23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/17, XXXX, hit my credit report as a hard inquiry. I contacted all three credit reporting bureaus to investigate and delete this hard inquiry from my credit reports. They have not responded back to me and I sent the certified letters through the United States postal service well over a year ago. This hard inquiry has caused me a great deal of hardship and stress I've been denied credit and my credit score as decreased drastically. According to the FCRA, the credit bureaus has a despot me the consumer, to respond in a timely manner and to report accurate, information.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Dispute of Inaccurate Credit Reporting by XXXX XXXX XXXX ( Account Number : XXXX ) Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off account on my credit reports by XXXX XXXX XXXX. The details of the account in question are as follows : - Original Creditor : XXXX XXXX XXXX - Account Number : XXXX - Account Type : Credit Line - Balance : {$500.00} - Date Opened : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX - Date Last Active : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) - Date of Last Payment : XX/XX/XXXX ( TransUnion & XXXX ) - Comments : Charged off as bad debt, Canceled by XXXX XXXX, Account has been closed due to inactivity, Unpaid balance reported as a loss by the XXXX XXXX. 

The issues with this account are as follows : 1. **No Contract with Collections Company : ** I have no contractual relationship with the collections company reporting this debt. According to the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1692e, debt collectors must report accurate information and must not use false, deceptive, or misleading representations. The absence of a direct contract with the collections company invalidates the reporting of this debt on my credit report. 

2. **Continuous Reporting of Charge-off : ** XXXX XXXXXXXX XXXX XXXX account has been reported as a charge-off every month for an extended period. According to IRS guidelines, an unpaid charge-off is considered income and should not be repeatedly reported. The continuous monthly reporting of this charge-off is misleading and does not accurately reflect the true status of the debt. Under the FCRA, information reported on my credit report must be accurate and not misleading. 

3. **Sale of Debt : ** The debt associated with this account has been sold to another company. The original creditor should have updated the account status to indicate this change. Reporting the debt as an active charge-off after it has been sold is inaccurate and misleading.

4. **Issuance of Form 1099-C : ** I have requested a Form 1099-C from the original creditor, which should have been issued to indicate the cancellation of the debt. The absence of this form suggests that the debt should no longer be reported as active.

I have previously disputed this matter with the credit bureaus ( TransUnion, XXXX, and XXXX ) and the original creditor, but the issue remains unresolved. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that my credit reports are corrected to reflect accurate information. 

Please find attached copies of relevant documentation, including my communications with the original creditor and the credit bureaus. 

I request that the CFPB intervenes to have this inaccurate charge-off removed from my credit reports promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I was contacted by portfolio recovery services in regards to an outstanding credit card debt. After trying to reach a resolution with the company that I felt was fair. They were unwilling to work with me on what I had to offer. 
I then told them that I was placing them on notice, not to contact myself, family members or businesses associated with my person, and to cease and desist all collection efforts on the account. The phone calls had stopped until recently when I received an additional phone call from portfolio recovery services and a collector ( I don't remember their name ) when I told them that they were violating a cease and desist notice they then told me that they had the right to contact me again after 60 days. I know for a fact that that is not true. This company and operations manager XXXX XXXX should be held accountable for the violations that they are committing against everyday consumers like myself.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX  sent a Visa credit/debit card to my home, addressed to an IDENTITY of a person I never heard of with a daily spend amount limit of {$3000.00}. 

I called their Customer Service phone # XXXX and was unable to get someone on the phone to speak to. 

I am very concerned about possible IDENTITY THEFT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I have been doing investigations about errors on my credit report and I looked up each credit company to see if they are licensed in my state. Upon discovery i noticed that midland is not licensed in my state of XXXX. I live in XXXX  and I want this removed from your credit score immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

The last complaint Ive made Westlake financial responded in XX/XX/XXXX to the CFPB with a letters that I will be attaching and said that they will contact XXXX to have the repossession remark remove off my credit report because its been over seven years from the time of the repossession the repossession date is XX/XX/XXXX and it is now XXXX XXXXThe account still appears on my credit report as a repossession. I have contacted XXXX and Westlake financial on numerous occasions after they said they would have this account removed off my report because it still appears and nobody is doing anything about it. I have been denied two different times by the dealerships because they still see a repossession on my credit report which is over 7 years old, which is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, benefit from or authorize any of the following Account XXXX XXXX XXXX  Account : - {$400.00} Vystar credit Union- Account - {$470.00} XXXX XXXX XXXX Account XXXX {$2500.00} XXXX XXXX XXXXAccount- {$420.00XXXX XXXX XXXX XXXXAccount- {$900.00}
Product: Credit card or prepaid card

I have a line of credit account with BBVA Compass. I make my payment every month on a recurring basis with XXXX XXXX. XXXX XXXX sends out these payments 12 days in advance and BBVA posted them correctly until XXXX of 2021. In XXXX the payment was lost and not credited to the account and a late fee was charged. I visited the banking center several times to show the proof that the payments were sent 12 days in advance. XXXX charged me three late fees, shut off my line of credit and demanded payment in full. I am an elderly man on social security that made my payments on time and did not deserve this treatment. I also tried to resolve the issue over the phone but the representative gave me an incorrect email address to send proof of payment.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of. Here are the inquiries that I've found : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove these inquiries from my credit report. I've also attached my identity theft report as well.
Product: Credit reporting or other personal consumer reports

XXXX Acct # XXXX company reporting as open account. 
XXXX Acct # XXXX company reporting as open accounts. 
Experian reporting these collections open account which is not under FCRA compliance. This is inaccurate reporting and needs to removed immediately.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX  XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXXXXXX, XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have requested for these fraudulent inquiries to be removed from my credit report and experian has failed to their job. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> showing as 3 inquiries. I demand these inquiries be removed. I never authorized these Experian to show my credit personal information to these fraudulent companies and this has caused me harm. For over 2 years being on my credit report. I demand they be removed immediately
Product: Checking or savings account

I am pursuing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings account. The company did not represent that the XXXX savings account had the MOST interest in the country and did not notify any users of it. The lack of transparency not only violated consumer trust but also resulted in significant financial loss for their users. Thus, resulting in the break of the Consumer Financial Protection Act as well as the Truth in Savings Act.
Product: Credit reporting or other personal consumer reports

There is Information that is on my consumer report that is a result of identity theft and are in VIOLATION!. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Under 15 USC 1681b Permissible purposes of consumer reports Subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates I NEVER gave ANY consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT The identified transactions are not information related to any transaction by me the consumer. DELETE IMMEDIATELY!!! 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per 15 USC 1681c-2 A Consumer reporting agency shall block the reporting of ANY information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft within ( 4 ) days from the receipt of this notice. I look forward to your prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit reporting agency about the account below and they have not investigated them for accuracy or legitimacy. This account is not mine.. The collection companies have provided no proof that these are mine. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  Account No. XXXX Original Creditor XXXX XXXX  XXXX  XXXX  XXXX  XXXX XXXX Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Letter was sent certified mail on XX/XX/XXXX, please see attached tracking into. Company has failed to respond to complain submitted. Please see attached letter sent. 
Company did not verify information as requested. 

I contacted the Court of Record you list on my credit file, and PACER. The information listed on my file with PACER, and your file are inaccurate. The Lexis report dated XX/XX/XXXX and the PACER report obtained by me XX/XX/XXXX report DO NOT MATCH and are inaccurate : Address
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some fraudulent inquiries on my credit report that I did not authorize. Please remove them immediately.
Product: Mortgage

in XXXX I had a loss in the home- a check from my insurance company was issue to me and mortgagee. I sent check to mortgagee for them to release funds. since XX/XX/2019 I been trying for them to release funds. I pay already a contractor and still no money has been sent out. If is not one thing is another. I paid out of pocket thinking I was getting the funds right away now I am struggling to pay the home to avoid foreclosure. Loss draft dept has all documentation inspections and still no payment out. 
The property is 70 % fix and still no payment for them to issue.
Product: Money transfer, virtual currency, or money service

I just want to be able to add my pnc account to my XXXX XXXX thats all
Product: Payday loan, title loan, or personal loan

Anytime I apply for credit using my social security number, the creditor will see on my credit report of extended fraud alert listed with my phone number, so they may contact me before credit is given to me. They usually ask me security questions to verify my identity. In this scenario, someone used my personal information and received credit line with XXXX XXXX. I was never notified by the creditor and was informed once the account was in collections. They have declined my requests for fraud, stating payments were made from bank account over the last couple of months. They verified payment funds came from XXXX XXXX, and I do my banking with XXXX XXXX XXXX. I have never held XXXX XXXX account. The name of the XXXX account, and my XXXX account do not match, and XXXX XXXX will not do anything to resolve issue. They have failed to take the necessary steps to verify my identity, extended credit without confirmation, and want police report stating I was victim of fraud before they could resolve issue.
Product: Debt collection

I am a single mom XXXX years old, for XXXX kids I work so hard to fix my credit card 2 years before that and it was great, but after my mom being so sick and her XXXX get worse, I started to lose my focus and my job started to complain, I left my first job and little by little I started to freak out and I wasnt able to do anything right, even watching my kids I cant keep up pay my won bills and off course cant pay for my credit I was looking for credit consultants to help me out for more organized but after 2 months I was almost work part time to be with my mom most the time my friends in church was help me with the kids but finincialy I felt apart, and it was 12 credit cards, I really dont remember the amounts 1XXXX 2-XXXX  XXXX 3-XXXX 4-XXXX  5-XXXX XXXX 6- XXXX XXXX 7-XXXX XXXX 8-XXXX XXXX 9-XXXX 10-XXXX 11-XXXX  XXXX 12-XXXX After my mom passed I full apart and I been hospitalized 3 times in one month in XX/XX/2018 And I figured out that after all the health assessment that I have XXXX/ XXXX and that was explained why I was so attached like that to my mother and why I was so XXXX  and full in deep XXXX since I sow her going Down to death. 
But now I start to get my life together now I started to study back to get my certificate as XXXX XXXX XXXX  ( XXXX ) exam and I hope I can fix this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing due to noncompliance with the CRA, Experian. 

They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation with FCRA and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

These collections were illegally obtained in my name and nonetheless inaccurate and illegal. I have already disputed these items. Please remove these collections and inquiries listed below as soon as possible. 

XXXX XXXX {$3300.00} XX/XX/XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX  {$690.00} XX/XX/XXXX XXXX XXXX XXXX {$590.00} XX/XX/XXXX XXXX XXXX  {$4900.00} XX/XX/XXXX XXXX XXXX {$840.00} XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX agreed to remove late payments reported to the credit bureaus. The late payment was corrected with XXXX credit bureau but XXXX and Equifax still reflect the late payment.
Product: Mortgage

In regards to my earlier complaint # XXXX I was told by XXXX XXXX, XXXX Office Case XXXX, on XXXX XXXX, that I was to receive a refund check of {$XXXX} delivered to my mailing address. As of XXXX, XXXX  I have yet to receive my refund despite my last mortagage statement of XXXX XXXX showing a escrow refund of {$XXXX} on XXXX XXXX. This is the same delay I had with Wells Fargo applying my additional escrow payment ; they're slow in processing actions that are beneifical to me, yet are quick with late payments, escrow shortages or anything eles that benefits them and their bottom line. In our computer data driven age with information being spit out in nano seconds I would think XXXX  days is, exceedingly, enough time to issue a freund check,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX  XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/2008 Balance : {$7100.00} Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accountings XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right. 15USC 1681 Section 602 States that I have right to privacy. 15USC 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

This letter is a dispute of the completeness and/or accuracy of an item of information contained in the consumer file that you maintain about me, pursuant to the provisions of 15 U.S.C. 1681i. The item of information below that you maintain in a consumer file about me and report is inaccurate and/or incomplete and I request that you promptly delete the late payments from the file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant to 15 U.S.C. 1681g ( a ), I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ). I have enclosed proof of my identity and current mailing address. Please be advised, this dispute letter contains sufficient information for you to legally act on it. Any delay tactics or needless requests for information will not avoid your legal obligations to me. If you fail to comply, I will seek damages, costs, and attorneys fees. See 15 U.S.C. 1681n-o
Product: Mortgage

I am a XXXX XXXX XXXX Veteran. The State of Florida has made totally XXXX veterans 100 % exempt from property taxes. Freedom Mortgage is escrowing for property taxes and wo n't stop! I moved in on XXXX/XXXX/XXXX and have made 3 payments to Freedom Mortgage. I have called them over 10 times and sent in proof of my tax exempt status 5 times! Everyone says they will fix it and they do n't. I ca n't afford this extra burden and my XXXX is making it difficult to go thru each day. 

Freedom Mortgage was caught by DOJ scamming before. 

Please help me!