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

I am writing to formally dispute the reporting of a charge-off on my credit report. According to the information provided by XXXX XXXX under account number XXXX this account was reported as a charge-off. However, I have not received a 1099-C form from the creditor indicating the cancellation of debt, which is required under IRS regulations when a debt is discharged.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is incomplete or inaccurate. I am requesting that you investigate this matter in compliance with 15 U.S.C. 1681i of the FCRA, which mandates reinvestigation of disputes, and that you remove this charge-off from my credit report if the creditor can not substantiate this entry with proper documentation, including a 1099-C form as required by IRS guidelines. 

Additionally, per the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), if a debt is reported as a charge-off, it should be verifiable. Given that I have not received a 1099-C form, there is no verification of the debt being canceled or discharged. Reporting this account as a charge-off without supporting documentation violates these regulations.

Please investigate this account and remove the charge-off notation if the creditor can not validate its accuracy. I have attached a copy of my identification and recent utility bill to verify my identity.

Thank you for your attention to this matter. I look forward to your prompt response to resolve this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX have a police report on file stating the XXXX account on my credit report was opened fraudulently. This account had been previously deleted already but is now reporting again.
Product: Debt collection

I requested validation twice. No validation is provided within 30 days. Rep said the email probably went to spam. I never agreed to have email as an acceptable form of communication. They should have had the chance to refuse this form of contact. Delete immediately not only have they exceeded the 30 ay validation request to prove i owe the debt to XXXXXXXX XXXX directly, i was never given the ability to properly dispute this form of initial contact. They responded by saying that the email was probably in my spam folder. That is not acceptable. Please delete it immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX ) XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX. 15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently made a report. I have spoken with the creditors and all three credit bureaus. In regards to this matter. On XX/XX/XXXX I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As I have XXXX XXXX XXXX. I was in the process of 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 in XX/XX/XXXX. In XX/XX/XXXX I was transferred to XXXX XXXX XXXX XXXX. In XXXX I was being XXXX to go home they were setting up my in XXXX XXXX XXXX and XXXX XXXX and found out my Medicare had been cut off. I contacted social security whom advised it was due to work credits. Well I hadn't worked so they did their investigation and sure enough someone had a job in my name. The company stated that it was a remote position was remote and all documents were sent to them via email. This made me check my credit and it also had been used. Not just mine but my husband and daughter. Im still trying to figure out my other kids. My husband believes it was the movers because my little red folder couldn't be found. My husband said he didn't have time to worry about it at the time he just obtained all new docs for everyone. This is hurting us my XXXX and insurance has been comprimised all because someone chose to use my identity. We have filled a police and FTC report. We are waiting on the police report to complete but. I will attach the FTC reports.
Product: Mortgage

I am delinquent on my mortgage and am trying to get approved for a loan modification. I have provided all the documents requested by my mortgage company in order to consider me but I have a foreclosure sale date scheduled on XXXX/XXXX/16. They are telling me they are unsure if the sale date will be pushed back. I need some assistance with this, please help in any way possible.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, several accounts listed on my credit report are fraudulent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be immediately blocked and deleted from my credit file : Accounts to be Blocked and Deleted : 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 fail to remove an inquiry off my credit report, the inquiry is by capital one .I want this inquiry removed its fraud, XXXX has caused numerous of problems when I been trying to dispute this information and has rejected from helping me, Im filing this complaint and will attach a screen shot and a FTC identity theft report to this complaint, DO NOT PUT NO FRAUD ALERT on my credit report, you do not have permission to add anything at all, XXXX has transferred me constantly and hung up on me .I want this inquiry removed off my report .I can dispute anything I do not recognize on my report and anything fraud
Product: Credit card or prepaid card

Capital One has a " shopping '' program, click on the store and Capital One will link you to that store for your x % cash back. 
On XX/XX/XXXX I went THROUGH Capital One 's site to XXXX - for a 4 % Cash Reward - and made my purchase. I was then returned to Capital One 's site and congratulated. 
Total {$83.00} Cash Rewards that were credited to me were {$1.00}. 1.25 % which my card gives me automatically - NOT the {$3.00}. 
I have called 3 times : 1st called got me nowhere. 
2nd sent me to the rewards department and I was told to write an E-MAIL! to help @ Capital One.com explaining the situation - a month ago and no answer ( surprise )!. 
3rd They " filed a complaint '' with their supervisor to review and get back with me, but could not give me a confirmation number. 
I've started looking back through my past " rewards '' and have noticed other discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fcra these inaccurate negative inquiries must be removed from my credit report asap Unrecognized inquiry on Transunion credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RELIANT CAPITAL SOLUTIONS , LLC Date Assigned -XXXX XXXX XXXX Original Amount Owed- {$8800.00} I asked for a validation of debt letter with my signature showing I have a contract with the company, and they have not provided this, this is violation of the FCRA and my rights.
Product: Credit card or prepaid card

I received a card through the mail completely unsolicited. I phoned the company intending to inquire as to why. It was computerized so was tricked into activating to be able to speak with someone. Never was able to on 3 occasions. Waited on phone one time for over 45 minutes. Now I have a card activated that I dont want and I dont want to create an account online to cancel anything. Why are they allowed to put my name on any kind of a financial instrument without my knowledge or consent and send it through the mail? That happened yesterday. Received one from another company today. Whats going on? This isnt right. Cant get through to them either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am rewriting to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX  with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX with account number XXXX, XXXX XXXX  with account number XXXX, XXXX XXXX  with account number XXXX, XXXX XXXX with account number XXXX and XXXX XXXX with account number XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. Thank you for your attention to this matter. Attached here is the Identity Theft report filled.
Product: Money transfer, virtual currency, or money service

I was trying to deposit XXXX dollars into a capital one ATM but the ATM ate my money
Product: Consumer Loan

I financed an auto loan with UAC/CARHOP I filed a complaint with the BBB for inaccurate information being reported to the Credit bureaus. I was contacted by corporate saying it would report in 30-60 days. I was informed that upon the completion of the investigation due to filing XXXX disputes each time the information would reflect the update immediately. Each time the investigation showed no change. I paid the vehicle off XX/XX/XXXX. UAC is reporting that the account was closed as of XX/XX/XXXX and the last payment was made in XX/XX/XXXX. It is against the law to report inaccurate information. Payment history as well as paying a vehicle off affects you credit life tremendously, I reaffirmed this high interest loan in order to better my credit, and the inaccurate information affects my credit life a great deal. I have filed yet another dispute, and I have n't been provided with the correspondence between UAC/CARHOP. Only letters from the credit bureaus saying no change has been made following the disputes
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, i was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB finding against navy federal for similar practices, where transitions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I been with Lexington law for 2 years they charge me {$250.00} a month for alone period of time and they never removed or repaired my credit I lost my money out of my pocket They never fix my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer repeatedly and its defamation of my character. 

UNKNOWN ACCOUNTS : XXXX XXXXXXXX XXXX XXXX Account # XXXX {$5000.00} XXXX XXXX Account # XXXX {$2100.00} XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX {$350.00} XXXX Account # XXXX {$2800.00} XXXXXXXX XXXX Account # XXXX {$25000.00} UNKNOWN INQUIRIES : XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXXXX/XX/2021, XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of the fraudulent account ( XXXX XXXX XXXXXXXX ) from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

This account was opened without my consent and is negatively impacting my credit. Please investigate and remove it promptly, as required by FCRA Section 611 ( a ) ( 1 ) ( A ).

Additionally, I have attached my FTC fraud report to this message.

Provide written confirmation of removal, as stipulated by FCRA Section 611 ( a ) ( 2 ).

I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is filed against XXXX, Espirian, and XXXX for reporting incorrect/wrong information and incomplete information on my credit reports relating to the said account of XXXX XXXX under account number XXXX that all show a high balance of XXXX. This account was disputed with all three bureaus and all three bureaus verified the account as accurate and correct. Said errors are : XXXX. XXXX s report reports this account as open.This is a closed account and in collections. XXXX. XXXX report also shows this account as open. This account is closed and in collections. XXXX. Both Espirian and XXXX reports are missing date account opened. XXXX. Both Espirian and XXXX reports are missing date last verified. XXXX. XXXX reports date of last activity as XXXX. Espirian reports date of last activity as XXXX. XXXX reports date of last activity as XXXX. All three differ and all can't be verified as correct. XXXX. Both XXXX and Espirian are missing date of last payment. XXXX. XXXX report under dispute status shows account not disputed. Contrary on same report under Creditor 's Remarks, it shows account disputed by consumer. Both can't be correct. XXXX. XXXX report under Creditor 's Remarks says account disputed by consumer. Said account was disputed and verified. Once dispute is done, the credit bureau is obligated to delete dispute code on account which XXXX failed to do. Account is not under dispute anymore and dispute remarks or codes are to be deleted from report. 9. Espirian report says under Dispute status that account not disputed. Contrary on same report under Creditor 's Remarks it says account disputed. Both can't be correct. 10. Espirian reportsays account disputed under Creditor 's Remarks. This account has been disputed and verified as correct. Dispute is over and once over any dispute remarks or dispute codes are to be immediately deleted from account. Espirian failed to remove the dispute remarks/codes from account. This violates the FCRA. and due process of federal law. A copy of consumers smart credit 3 bureau report is included in this complaint to verify al errors and discrepancies.once all 3 reports are side by side there is no way all 3 bureaus verified different information from same account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 certified letters to get inaccurate inquiries, addresses and collection account removed. I have sent in my ids and police reports yet they claim they never received ANY of my certified letters. I have over 20 inquiries that resulted from the fraud and had incorrect addresses on my report too last certified letter was sent XX/XX/XXXX. 2022, I have called over 11 times to get this corrected. Months later and still not done.
Product: Credit card

CFR 1026.11 ( a ) ( 2 ) states " Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer '' I requested a positive balance of {$7800.00} refund on my XXXX credit card on XX/XX/23 and as of today, XX/XX/23, I have not received it. 

On XX/XX/23, I called and confirmed with the representative that the balance can be refunded to my checking account ending in XXXX in 8-10 business days. On XX/XX/23 I called again since it has been past the 8-10 business day window and was told it is still being worked on. On XX/XX/23, the balance was still not refunded. I spoke to a manager and said the case will be escalated and I should expect a communication by end of day XX/XX/23. Today is XX/XX/23 and I still have no received a response nor a refund of my positive balance.
Product: Payday loan, title loan, or personal loan

In XX/XX/2022, I struggled to pay the payday loan due to the high interest on the loan. I made my payment on the day of the due date, but the payday organization stated I should have paid my loan on time and reported it as late on my credit report. I spoke to them via phone numerous times, but they said there was nothing they could do. The following payment due date arrived, and I stated I needed additional time to pay the loan of about an additional seven days. The payday loan company continued calling me every other day despite giving them a day I could pay. The company stated they must call me every three days even though I gave them a day I could pay. When I couldn't answer my phone, they would call my Mom, Sister, and distant family member. My family members stated that a loan company ( XXXX ) called them asking if they had heard from me and that I had a past-due balance with them. The loan company called my job as well, and I asked them not to call the job phone again because it is for critical patient care, and they are tying up the phone. The loan representative stated they called multiple departments looking for me and needed help locating me within the hospital where I work. I never permitted them to call the job number they called because I work with critical patients. The harassment from this company is a very unprofessional practice, and my family or job should have never known that I was past due ( several days late ) on my loan.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. CXXXXe XXXXe ( b ) and 15 U.S. CXXXXe XXXXi ( XXXX ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.
Product: Payday loan, title loan, or personal loan

I was reviewing my credit report & noticed this account reporting on my file. I dont recall ever taking out a loan with this company & it is my understanding that proper debt validation should include a copy of a signed contract between myself & this company. If this information can not be provided then according to the FDCPA this account must come off of all 3 reports. It is also my understanding that computer printouts do not suffice as proper debt validation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 602 A. States I have the right to privacy.

15 U.SC. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

We are currently under chapter XXXX bankruptcy and have our mortgage withOcwen. I received a phone call from Ocwen on a Sunday, XXXX, andwas told we owe them over {$9000.00}. I 've since been told by Ocwen that ourpayment went up from {$1200.00} to {$1500.00} XX/XX/XXXX and they have also told methat I was not notified of this increase, nor was our attorney or the chapterXXXX trustee. How can you indebt us for something that we were never notifiedof in the first place? I also received documentation stating my payment wasgoing to increase XX/XX/XXXX from {$1200.00} to {$1300.00}. I spoke withOcwen yesterday and was told my payment is supposed to be {$1500.00}. Also, we are under a loan modification which lowered our payments to somethingwe could afford, so why do they keep raising our payments?? In addition, when I go onto Ocwens website, it does n't show any increase XX/XX/XXXX and itshows the current amount due as {$1000.00} with a due date XX/XX/XXXX. 
How can I be liable for Ocwens mistake especially since their website is n't evencorrect??? Additionally, is n't it illegal to try and collect a debt from me while I'I 'm under chapter XXXX bankruptcy?
Product: Debt collection

I am writing to you regarding this debt with XXXX associated with my name. I am a member of the XXXX XXXX XXXX XXXX XXXX  I have recently become aware that this debt is appearing on my credit file from Schools First Credit Union, which does not belong to me I have not by any chance, obtain or utilize any services or goods pertaining to this debt. I am here by demanding immediate deletion of this fraudulent Debt thats reported to my credit profile of in accurate information USC section 15 reporting to my credit profile it it is a defamation of inaccurate, information
Product: Mortgage

I am still waiting my updated/correct loan modification contract that to be expedited to me from the CFPB response dated XX/XX/2022 Also, I am waiting my full copy of my contract. I was only given 11 pages from my previous request Also, I have added an additional request for a copy of the Transfer of loan agreement to Freedom Mortgage from my original loan company