23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$740.00} XXXX XXXXXXXX XXXX Balance : {$780.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX  XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$740.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX A ) XXXX Balance : {$1800.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX # XXXX *XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Tx. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX Kikoff Inc Account Services XXXX XXXX XXXX XXXX, NV XXXX Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Cease and Desist & Demand for Immediate Correction of Credit Reporting Error To Whom It May Concern, I am writing to formally demand immediate corrective action regarding the inaccurate reporting of my Kikoff Lending LLC account to the credit bureaus, despite written confirmation from your representativesXXXX XXXX XXXXthat my account was closed, settled, and up-to-date as of XX/XX/XXXX. 

Despite this assurance, my credit report continues to reflect a past-due status and negative reporting, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Your misrepresentation of my account status is not only damaging but also constitutes false and misleading credit reporting, subjecting you to potential legal action.

Immediate Actions Required : 1. Cease and desist all further inaccurate reporting of this account to the credit bureaus immediately.

2. Update my credit report within 15 days of receipt of this letterto accurately reflect the account as closed and settled in full with no delinquencies.

3. Provide written confirmation of these corrections, including documentation verifying the corrections have been transmitted to all major credit bureaus ( XXXX, XXXX, and XXXX ). 

Failure to comply with this demand within 15 days will result in formal complaints with the CFPB, the Federal Trade Commission ( FTC ), and state regulatory agencies, as well as the pursuit of all available legal remedies, including but not limited to monetary damages and injunctive relief under the FCRA and other applicable laws. 

I expect your immediate attention to this matter and a written response confirming the corrective actions taken. Failure to comply will result in escalated legal action without further notice. 

Sincerely, XXXX XXXX
Product: Credit card

On XXXX, I called TJ MAXX to authorize the opening of my new card. When they mentioned my limit was {$600.00}, I questioned why my credit was lowered. The representative stated on a recorded call, " On XX/XX/2023, the bank made their decision based on your XXXX XXXX credit report. '' I am writing to express my deep shock and profound disappointment regarding an unauthorized credit limit reduction on my TJ Maxx credit card account. Upon opening the account, my approved credit limit was {$1500.00}, a limit I was content with. However, to my utter surprise and dismay, on XX/XX/2023, I discovered that the bank had unilaterally reduced my credit limit to {$600.00} without my consent. 

This reduction was purportedly based on the bank 's inquiry into my XXXX credit report. It is crucial to emphasize that I did not authorize such an inquiry, nor was I informed or consulted about it beforehand. This unilateral action by the bank not only violates the terms of our agreement but also flagrantly infringes upon my civil rights, a violation that I find deeply troubling. 

According to the Fair Credit Reporting Act ( FCRA ), creditors are required to obtain explicit consent from consumers before accessing their credit reports for any purpose. By conducting an unauthorized inquiry and subsequently using it as a basis for reducing my credit limit, the bank has blatantly disregarded my rights under the FCRA. 

I request immediate action to rectify this matter. Specifically, I urge you to reinstate my original approved credit limit of {$1500.00} and ensure that such unauthorized inquiries are only conducted with proper authorization in the future. 

I am prepared to pursue further action to address this issue and uphold my rights under the law. Therefore, I trust that you will take this matter seriously and respond promptly with a resolution. 

Thank you for your attention to this urgent matter. 

XXXX XXXX XXXX CARD # XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Vehicle loan or lease

I have set up payment arrangements twice via phone. Neither time has it been corrected on my account. 

XXXX I got on chat and was told in order to make payment arrangements, I'd have to call so I called. I asked if my current amount due could be put on the end of the loan, as I'd done once before, and payments resume in XXXX. I was told yes - and to call back at the beginning of XXXX to confirm I'd be making XXXX 's payment. I asked for email confirmation and never received it. 

XXXX XXXX XXXX XXXX ET I spoke with XXXX and the agreement she made with me is as follows : {$260.00} by XXXX of XXXX will bring me current with balance of {$28.00} and {$290.00} due XX/XX/XXXX will bring me up to date with remaining past due balance transferring to the end of loan. I paid the {$260.00} on XX/XX/XXXX and still none of the confirmations I requested, nor the correction of my account. 

XXXX MESSAGE I SENT TO SANTANDER - " I called in XXXX and again in XXXX and spoke with representatives that ASSURRED me that my request to put the next two payments on the end of my loan so I could get caught up due to divorce was approved. So far that has not happened. I've paid what I can but it still shows past due. Now I will be able to resume payment in XXXX but I need the {$720.00} balance to NOT be overdue and put on end. DON'T TELL ME TO CALL BECAUSE I KEEP DOING THAT. I WANT THE AGREEMENT IN WRITING! '' Today, XX/XX/2019, I check and now the past due amount is {$1000.00}. 
I contacted them via chat because I am getting nothing in writing ONLY verbal and when it doesn't get done, my account is being affected - AND AGAIN THEY SAY CALL but all my efforts are going unattended.
Product: Debt collection

Request a debt validation Attention to Professional Debt Mediation I would like to request a copy of the oroginal contract or original Purchase agreement that created the alleged debt. If the original contract is sent, it must be with the original signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including addendums and riders. 
Please send me proof of the chain of ownership of the alleged debt and include proof of assignment for each charge of ownership. 
if any interest or fees have accrued or been added on the balance, please send me proof that such fees are lawful and agreed upon in the original purchase agreement. 
Proof if you legally allow to collect on alleged debts in the state of Florida, including your third party debt collection Bond. 
Please send me proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting Agencies, including copies of the original notice and any letter tracking your Firm maintains.

the credit Reporting Act makes clear that it " debt parking 'without proper notices is a violation of consumers rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the Online Collections, the account number on my credit report is XXXX directly to XXXX XXXX, account number XXXX, in the amount of {$1100.00}. I am not sure why this account is still on my credit report
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX -BALANCE {$7200.00} Account Name : XXXX XXXX XXXXXXXX -BALANCE {$25000.00} Account Name : XXXX XXXX XXXX -BALANCE {$1000.00}
Product: Debt collection

I checked my credit report and was notified that Oliphant USA , LLC, the original creditor for XXXX, had indicated on my credit report that I had an open collection. This account was paid off over a year ago. It says that this collection was added to my file between XX/XX/XXXX and XX/XX/XXXXXX/XX/XXXX This was on both my XXXX and XXXX accounts. I would like this to be removed from my credit report. The tactics this company is using are illegal. They are placing an account on my credit report, saying it was open when it wasn't. This has caused my credit to have a significant decrease in my score.
Product: Debt collection

I recently received a notification from my bank that my credit had dropped significantly by XXXX points. I freaked out and checked my credit report. I saw that L J ROSS ASSOCIATES had placed a collection notice on my profile for the amount of {$260.00}. 

I called them to find out the details of the amount. The associate on the phone asked for my name, birthday, address, phone number, social security number, AND THEN he asked for my credit card number " in order to verify my identity. '' They assured me it would only cost {$1.00} from the company XXXX XXXX and it was solely to confirm that I am indeed the owner of the debt. 

My husband was sitting next to me, and he nodded yes, so I provided the information. 

Long story short, the associate told me that I owe XXXX XXXX {$260.00}, which is untrue because I have had my account set up for automatic withdrawal since 2021!!!! He said not to worry because companies mistake identities all the time. He sounded very hurried and told me not to wait as having a bad credit score can affect me a lot. He proposed a solution to immediately address the charge to clean my record for a total of {$350.00}!!!! 

I said no. 

I told him I would have to confirm with XXXX XXXX. He told me that would not be possible because once the debt had been sold, the company that sold it wouldn't be able to track it. 

XXXX! That is not how things work. 

First of all, any collection company is required to contact me if I were to owe something. The contact must be either by mail or phone call or both! 

SECONDLY, if I indeed owed {$260.00} to XXXX XXXX and they sold the debt to L J Ross, XXXX would have it written in my record that I owe the money! 

I contacted XXXX XXXX, and they agreed with my statements. XXXX told me : XXXX ) I have paid all my bills, and I don't owe them any balance. 

XXXX ) If they sold my debt to a collection company, they would have made a note in my record. 

I asked L J Ross to provide me with an email or letter indicating the debt. They specifically told me that they can not and they won't do it. 

After I threatened to contact the FTC, I checked my credit report, and the debt was marked " Closed. '' So they closed a debt that doesn't belong to me, and now it's on my report, dragging down my score. 

What XXXX XXXX XXXX did was absolutely cunning and illegal. They wanted to scam me by promoting their " credit cleaning '' service FOR A DEBT THAT DOESN'T BELONG TO ME! 

So I'm making this report to the FTC and after this, I'm contacting the FBI. 

XXXX : I received an email from this company called XXXX XXXX, the one that L J Ross signed me up for using my credit card to " verify my identity '' for {$1.00}. The email said my XXXX trial began and will be renewed for {$24.00}. 

I AM CONTACTING THE FBI ABOUT THIS CASE
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a XXXX XXXX XXXX account on my credit that is reporting as 90 days past due but the account has been paid in full and closed since XX/XX/2017. Please have this delinquent status removed from my credit report.
Product: Credit reporting

Along with disputing a certain negative item I wanted removed from my report, I also asked that all the prior negative PRE-Bankruptcy ( as it was discharged ) things removed as well. There are still many items killing my score, that should have been rightfully removed as of discharge. This is with all bureaus. My score dropped over XXXX points, marking an account closed ( XXXX-I do not have an issue with them-just the bureau ) that was never added in the 1st place, now it 's a HUGE negative factor killing me. I have explained to these bureaus that I am trying to buy a home not long from now and want the bad stuff removed, and all these bureaus are doing is making everything worse, they are so quick to report all the bad stuff, but take forever reporting the positive. This is ruining my, and many other peoples financial futures. I was forced to buy a car-and because of these XXXX companies, my interest rate is XXXX!! I do not believe they have ANY right to be able to control a persons future. I also have a paid off loan, made payments more than early every time, and even a bit more than the amount due, but because of my bankruptcy, they allowed XXXX to remove all this from my reports, even though I " Reaffirmed '' the vehicle, also dropping my score another XXXX points. How in the heck is a person supposed to get anywhere in life if these XXXX companies have all this control. I should be well over XXXX at this point ( only this low for now, as I 'm still 4 months from my 1 yr discharge date ), now I 'm back to where I was right before I filed for Ch XXXX, and I pay my bills! I was just at XXXX little over a month ago, got a couple small credit cards, everything going great-now it 's falling faster than XXXX.
Product: Debt collection

DEPARTMENT OF JUSTICE XXXX XXXX Order No. XXXX ] Privacy Act of 1974 ; System of Records Pursuant to the provisions of the Privacy Act of 1974 ( 5 U.S.C. 552a ), notice is given that the Department of Justice proposes to establish a new Department-wide system of records entitled Correspondence Management systems ( CMS ) for the Department of Justice ( DOJ ), DOJ/003. Most components of the Department maintain and operate their own correspondence tracking systems. There has been no change in the operation of component systems. Rather, this notice of a new system of records replaces most Privacy Act notices already published by components for existing systems, and it also provides notice for components that have not yet published a notice for such records. Because this is a Department-wide systems notice, it is broader than most correspondence tracking systems operated by individual
Product: Credit reporting or other personal consumer reports

Freedom mortgage has taken over as servicer of a mortgage according to them in XXXX of 2024. We never received any information. Ive requested copies of what they sent and have not received said copies. 

We continued making payments to old mortgage servicer. I received my first notice in email to change my password from XXXX XXXX on XX/XX/year>. I ignored it as I had no other correspondence from XXXX mortgage and determined it was spam. On XX/XX/XXXX I received a notice from XXXX XXXX via email that a letter regarding my loan was available, again, I had no knowledge or notification that my load was ever transferred. We continued making payments to the old mortgage servicing company. On XX/XX/XXXX, we received a notification that a mark had been out against my wifes credit. We also noticed at that point that the XXXX payment only was returned to our bank from the old mortgage servicer. We called them, learned what happened and made payment in full same day. I also contacted XXXX XXXX to try and learn more about how we were notified. All they could tell me is that we had been notified. Ive provided bank statements to show this was an error and that payments were made. Theyve determined the the report to our credit must stand. This is wrong and to this day, they will not confirm when or how I would have received a notification for something as important as needing to send our payments to an entirely new servicer. 

Thank you for your consideration, XXXX XXXX & XXXX XXXX
Product: Debt collection

I am writing to express my extreme dissatisfaction and frustration regarding the presence of fraudulent/negative accounts on my credit report under your bureau. It has come to my attention that these accounts, which have already been deleted by other credit bureaus, still persist on your records. This situation is not only unacceptable but also damaging to my financial standing and reputation. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

I find it perplexing that while other credit bureaus have taken swift action to rectify this issue, your bureau has failed to do so. It is crucial for you to understand the urgency and gravity of this matter. I demand immediate and aggressive action to remove these erroneous entries from my credit report. 

XXXX XXXX XXXX - XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

These discrepancies are not only inaccurate but also tarnish my creditworthiness and financial integrity. I expect your bureau to uphold the same standards as your counterparts and promptly address and rectify this situation. Any further delay in resolving this matter will be considered a gross negligence of your duty and a blatant disregard for consumer rights. 

I have attached supporting documentation, including letters from the other credit bureaus acknowledging the removal of these accounts. I demand that you treat this matter with the urgency and seriousness it deserves, ensuring that my credit report accurately reflects my true financial standing. 

If these issues are not addressed promptly and satisfactorily, I will have no choice but to escalate this matter through legal channels and file complaints with the appropriate regulatory bodies. I trust that it will not come to that, and you will take immediate steps to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to remove two collections that do not belong to me on my credit report In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 setion602 states I have a right to my privacy 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15B creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been reporting an account inaccurately. I have requested this information be removed several times, but they have failed to permanently remove it from my consumer reports. They also keep reporting this information as correct and accurate to other credit bureaus when it is not. This account contains multiple violation of the Fair Credit Reporting Act and I am requesting an immediate investigation into their reporting practices. This account is in violation of FCRA-609 ( a ) ( 1 ) Failure to provide verification. They have failed to provide proper verification of the debt including but not limited to the original signed contract, a complete payment history to confirm the accuracy of the balance, documentation proving legal authority to report this account FCRA 623 ( a ) ( 3 ) - Reporting Inaccurate Information ; XXXX XXXX is reporting this account with incorrect details which constitutes a violation of their obligation to report only accurate and complete information. 
IRS Requirement - Failure to provide 1099C for charged off debt. XXXX XXXX has listed this account as a charge-off but has not provided me with a 1099C ( Cancellation of Debt ) form as required by IRS regulations when a debt of {$600.00} or more is canceled. If they have truly charged off the debt, they must provide a 1099C to reflect the amount as income for tax purposes. Their failure to do so suggest that the charge-off status is inaccurately reported and misleading to creditors. 

I request immediate removal of this inaccurate and unverified account from my credit report. I ask CFPB to investigate