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

Subject : Formal Complaint of Inaccurate Reporting Under the FDCPA and FCRA To Whom It May Concern, I am writing to file a formal complaint regarding the inaccurate reporting of my [ Creditors Name ] account, which violates provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Below, I have outlined the specific discrepancies and issues with the reported information : RE : XXXXXXXX XXXX Account Information : Credit Limit : {$200.00} Date Opened : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Account Closed : XX/XX/XXXX Reported Balance : {$0.00} Payment History Discrepancies : For the year XXXX, XXXX payments were made and posted. 

For the year XXXX, XXXX payments were made and posted. 

For the year XXXX, only one payment was posted in XXXX, but no payments were reflected for the first 11 months. 

This account was a secured account, and despite making timely payments, the secured funds were never returned upon the accounts closure. Additionally, the reported information lacks consistency with my payment history and financial records. 

FCRA Violations : Under the FCRA, credit reporting agencies and data furnishers are required to ensure the accuracy and completeness of information included in consumer reports. Specifically : Section 611 of the FCRA requires credit reporting agencies to reinvestigate disputed information to determine its accuracy or delete it if it can not be verified. 

Section 623 obligates furnishers of information to provide accurate and complete data and correct any identified inaccuracies. 

The reported XXXX balance, coupled with inconsistencies in payment posting, creates a misleading record of my creditworthiness, which has directly impacted my financial standing. 

FDCPA Concerns : Furthermore, the FDCPA prohibits deceptive and unfair practices by creditors and collectors. Failing to reflect accurate payment information and withholding secured funds upon account closure may constitute deceptive practices under the Act.

Requested Action : I am requesting the following : A thorough investigation into the accuracy of the reported account information.

Immediate correction or removal of the inaccurate data from my credit report.

A written explanation of the results of your investigation, as required by law.

I am attaching supporting documentation, including my payment records and account statements, for your review. Please confirm receipt of this complaint and provide a response within the timeframe prescribed under the FCRA and FDCPA.

Thank you for your prompt attention to this matter.
Product: Checking or savings account

I received a call the information was needed on my accounts. I send them copy of my working permit social card and letter with my address. My debit card got blocked. I try to call couple times no one can give information on why I cant get a new debit card and I suppose to wait for someone on vacation and I need access to my account and Funds as a consumer I should have a debit car. I think this is an unfair practice of not communicating to me why i cant have a debit card and more deceptive on how the are prohibiting me to get information about my account. Why A big institution like Bank of America that been having having their system down a lot of their time its not letting me get a debit card to take money out when ever I want from my account and investigation needs to be completed and fine this company for causing pain and suffering by not letting me have direct access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the XXXX, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

To Delete any and all accounts that do not have Verifiable physical proof including the ones below : XXXX XXXX XXXX  Account Number - XXXX Amount - {$2100.00} XXXX XXXX XXXX Account Number - # # # # # # # XXXX Amount - {$920.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount - {$1000.00} XXXX XXXX XXXX Account Number - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount - {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX, I was call to a nation wide emergency because of the COVID19 pan. I was in the military when the world went into a state of emergency, Due to the nature of being in the military and and the duties that i had to do in the emergency of the world cause me to missed a payment on my XXXX XXXX credit card in XXXX XXXX XXXX. I didn't know i was penalized on my credit report for this late, I tried calling XXXX XXXX today to have this removed and they refused to help me.
Product: Debt collection

I was cleared of a debt by XXXX XXXX through court. The other party that was on the loan took me to court and ended up being responsible for the debt. I sent Equifax a letter from XXXX showing that I no longer owe the debt and Equifax will nt remove it. There are a lot of things that do not belong to me on my Equifax report and it is ruining me from purchacing a home for my kids and I I have done all I can and even file a ID theft report and sent in to Equifax and they still will not remove that and several other things from my report. 

Also all 3 credit bureaus are reporting lower scores than I actually have and that is another thing that is stopping me from a home purchase I am a single parent and I worked hard to get my cerdit on track for this home purchase and now I an being denied due to inaccuries on my credit reports
Product: Payday loan, title loan, personal loan, or advance loan

Dear all, I took out a loan with Moneykey XXXX XXXX XXXX  and have realised the bi-monthly payments are too high and unaffordable for me. 
I have made payments already. 

I called Moneykey today ( XX/XX/year> ) to explain the situation and asked if I can make monthly payments instead of bi-weekly to help with the affordability issue and they refused. 
They advised they can not or will not reduce the frequency nor the payment amount until Ive paid off several months. The other option they have is to not pay and go into a past due status which will lead to credit score being affected and eventually collection. 
I spoke to both an advisor on the phone and their manager who both refused to assist. 

Please could you advise what options I have? 
Surely as Im not in arrears and trying to make a more affordable payment, they should be willing to assist? 

Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have two accounts with XXXX XXXX XXXXXXXX that I have judgements. There are multiple inaccuracies on these accounts. 

In addition I have come up with a payment plan for these accounts. 

{$50.00} a month for the account with the XXXX balance {$100.00} a month for the acount with the XXXX balance. 

XXXX  XXXX XXXX has not recorded these payments on the credit reports. 

Also, XXXX  XXXX XXXX has continued to report a past due balance on a charge off. 

I have made every payment on time there should be no past due balance. 

Due to multiple inaccuracies please delete these accounts ASAP, as they are in severe violation of the FCRA Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( XXXX ), it is plainly stated that a failure to investigate these items within XXXXdays gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to file a second complaint regarding the ongoing reporting of fraudulent items on my credit report, despite my previous dispute and request for removal. It is deeply concerning that these issues persist, and I urgently request your immediate and thorough investigation to rectify these persistent inaccuracies. My credit report continues to include multiple inaccurate addresses that I have never resided at or had any association with. Despite my previous dispute, these inaccuracies persist and are causing confusion and potentially affecting my creditworthiness. I demand the immediate removal of these inaccurate addresses to maintain the accuracy of my credit profile. I have previously disputed several accounts that were inaccurately reported as late closed, charge-offs, or repossessions and a collections. Despite my prior efforts to rectify these issues. I urgently request a comprehensive review of these accounts and the correction of their statuses to accurately reflect their current standing. I have identified inquiries made by companies or institutions that I have not authorized or initiated. Despite my previous dispute, these inquiries continue to negatively affect my credit report. I demand the immediate removal of these fraudulent inquiries to prevent further damage to my creditworthiness and protect against potential identity theft. 

I understand that the Fair Credit Reporting Act ( FCRA ) mandates credit reporting agencies to ensure the accuracy of the information they report. Therefore, I expect your bureau to address these issues promptly and in strict compliance with the FCRA. 

Please provide me with a detailed, written response outlining the results of your investigation and a free copy of my updated and accurate credit report once the necessary corrections have been made. Additionally, I request an explanation for the delay in resolving these matters, as they have persisted despite my initial dispute. These following fraudulent items should be removed right away : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} 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, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$16000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Ditech applied my loan payment to escrow. I did not ask them to do this, nor did I authorize this. The payment was posted XXXX XXXX, 2016 in the amount of {$720.00}. I contacted them on XXXX XXXX, 2016 because they are showing me as past due, which I am not. They show me as next payment due XXXX XXXX, 2016 which is incorrect. They were to have " reallocated '' this misapplied payment and as of this writing they have not. By tem making this error they affect my pay for performance ( timely payments ) incentive ( which to date they have never fixed, despite responded XXXX XXXX admitting they owe me this ). Regarding my current issue they need to fix this immediately and correct the misapplied payment and show my account as current. Also, they have yet to notify me of my new and correct monthly payment since having the lender based forced flood insurance requirement removed. They muddle what my actual payment is so that nobody can make sense of it. I do not know what I am supposed to pay these people every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Credence Resource Management for committing identity theft. On XX/XX/2022 I checked my credit and seen that a collection was placed on my credit. I have never given CREDENCE RESOURCE MANAGEMENT ANY permission to use any of my identifying information to commit fraud. I have never received any correspondence from CREDENCE RESOURCE MANAGEMENT about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDENCE RESOURCE MANAGEMENT can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDENCE RESOURCE MANAGEMENT continues its collection efforts, I will file for litigation for actual damages caused and CREDENCE RESOURCE MANAGEMENT will be held criminally liable for aggravated identity theft pursuant 18 USC 1028A, extortion, theft by deception and securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # XXXX
Product: Credit reporting or other personal consumer reports

On XXXX/XXXX/24 a hard inquiry was not authorized with permissible purpose by XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request to inform you that after I review my report, I have identified such erroneous inquiries on my credit file. This is unacceptable as I found out some inaccurate inquiries. Honestly, I'd like it all to remove in my credit file imediately. These inquiries are all unuthorized so please remove it all : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX XXXX ( Acc Number:XXXX ) Experian - XXXX XXXX ( Acc Number : XXXX ) XXXX XXXX XXXX -XX/XX/XXXX XXXX - XXXX XXXX -XX/XX/XXXX I have contacted the credit bureaus to let them know that I am a victim of identity theft and that someone has been using my personal information without my consent. I have placed a fraud alert on my credit report and asked that the fraud items be removed.
Product: Debt collection

I demand the immediate removal of fraudulent accounts from my credit report. The associated banks confirmed identity theft and assured removal. Compliance with the law mandates their removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Charge off accounts are considered, certificates of indebtedness, pursuant to I.R.S publication 4681 and it is now considered income and income can not be reporting on my consumer credit report, pursuant to Privacy act of 1974.

The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act 's main goals are to balance the government 's need for information with the rights of individuals to privacy. 
The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. 
Requires notice : Agencies must notify the public of their record systems. 
Requires consent : Agencies can not disclose an individual 's record without their written consent. 
Provides access : Individuals can request access to and changes to their records.

Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records.

IRS Publication 4681 Canceled debt : If the abandoned property secures a debt for which you are personally liable and the debt is canceled, you will realize ordinary income equal to the canceled debt. This income is separate from any amount realized from abandonment of the property. You must report this income on your return unless one of the exceptions or exclusions described in chapter XXXX applies.
Product: Student loan

I spoke to a customer service manager about a Rate Reduction Plan. After going over my financials she said that the loan would go up higher. Unfortunately, I can not afford the increase and when I asked to speak to a manager and I told her that if the loan was any higher I wouldn't be able to afford to buy groceries or gas and she said to me WELL YOU JUST GOING TO HAVE TO DO PROVISIONS WITH YOUR FOOD. Then I tell her unless I go to a women 's shelter I won't be able to afford any of that. Then I got upset and I said that unless I go to the street and start CHARGING for services she says WELL I CANT TELL YOU WHAT TO DO BUT YOU HAVE TO DO WHAT YOU HAVE TO DO.
Product: Mortgage

I have reason to believe that my deaseased husband XXXX XXXX XXXX SS # XXXX, committed mortgage fraud and tax fraud in my name or my name that has been hidden from me until now because I was XXXX. I think that he forged my name on documents and included me on a bankruptcy without my knowledge. I believe that my credit report is also not disclosing this. I 'm currently working with XXXX to restore my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In order to submit my application for a lease, the landlord required I use TransUnion XXXX platform to enable the landlord and her property managers to review my credit and background check. When signing up with TransUnion XXXX on XX/XX/17 I had to pay a small fee of {$1.00}. Without realizing, upon payment of the fee I was then automatically enrolled into a monthly subscription for an unrelated credit reporting product. It was not made plain to me that this {$1.00} fee was merely a placeholder for the subsequent {$19.00} to be paid XX/XX/17. After my confirmation e-mail regarding my successful set-up of my TransUnion XXXX account, I received an additional e-mail from TransUnion with no reference to the " XXXX '' application/account. I assumed this e-mail was spam, advertising TransUnion 's additional products since it did not include any reference to " XXXX '' and because it arrived in my inbox so quickly after the initial confirmation e-mail. TransUnion XXXX should be marketed as simply TransUnion credit reporting so that consumers can clearly understand what they are signing up for when merely trying to complete an application and have the necessary parties review their credit history. It should be made clear that when you are signing up to share your credit report with a landlord or property manager that you are not also being automatically enrolled in an expensive subscription service for products that should otherwise be free ( access to credit score is available for free on other platforms ). Notably, there is no mention of this subscription on TransUnion XXXX 's FAQ page : XXXX XXXX XXXX This is my fault but as my e-mail filtered out Transunion 's e-mails as spam and because I did not carefully review my credit card statement, I did not realize I was being billed for a product I did not want for over 18 months. I am still working on trying to cancel my account with TransUnion. It is not straightforward to do so online so I will likely call tomorrow to finalize my account closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act on my current credit report from the three credit agencies, XXXX, Experian and XXXX, Reference # XXXX and XXXX has violated my rights.

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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out for company 's help several times I've asked for proof of Debt and haven't received anything. 
XX/XX/2022 XX/XX/2022 2022