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

XXXX XXXX XXXX XXXX misreported an account by charging it off after an agreement had been made. The debt was settled prior to XX/XX/2021. It was agreed that if the 1st of 3 instalment payments were made the account would not be charged off. I paid the account off in full on XX/XX/2021. I called the bank rep and reported the account paid in full. She apologized for the banks error and stated she would do whatever to help resolve this issue.
Product: Credit reporting or other personal consumer reports

My student loans have been discharged by the Department of Education via the Borrower Defense. My loans were sold by the Department of Education and is now serviced by AidVantage. The original loan was open on XX/XX/XXXX. However AidVantage reported to the credit bureau that the loan was opened in XX/XX/XXXX. I have called several times to have the loans removed from my credit. I was told today that it takes a year to remove the loans from my credit report. This is hindering me from making major purchases and getting approved for small things as well. I have uploaded the discharge letter. I feel I am being extorted.
Product: Mortgage

I received my mortgage loan XX/XX/XXXX and refinanced XX/XX/XXXX. The mortgage showed on my credit report until then but dropped off after the refi and I was n't told this was going to happen. I 've had over 4 years of on time payment history that is n't reflecting and I would like it back on my report. I called Chase who told me to call the XXXX reporting agencies. I called and they 're all telling me they can only report what 's given to them and if Chase does n't provide the info, then they can not report. Do I have any options at this point?
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b ) .And also all the accounts that need to be removed on my credit report because they're clearly not mine.
Product: Debt collection

THESE ACCOUNTS WERE OPEN BY THIEF AND NOT ME. There has been multiple collections placed on my account from XX/XX/19 for {$130.00} XXXX XXXX, XX/XX/19 for {$840.00} Ability Recovery, XX/XX/19 for {$760.00} ( XXXX XXXX XXXX  ), XX/XX/19 for {$1600.00} XXXX XXXX  ( XXXX XXXX XXXX ) with no valid documentation provided!!!. IVE REACHED OUT TO THE COMPANY TO INFORM THAT IM UNAWARE OF THE DEBT, IM FULLY INSURED AND HAVE NOT BEEN HOSPITALIZED TO OCCUR SUCH DEBT OR TREATMENT. IVE EVEN WENT AS FAR AS DISPUTING ON MY CREDIT REPORT TO NO RESPONSE..I AM PUNISHED WITH A LOW SCORE THAT HAS IMPACTED MY LIFE TREMENDOUSLY, I CANT EVEN GET MY FIRST CREDIT CARD BECAUSE OF THE MALICIOUS FRAUDULENT INFORMATION ON MY CREDIT REPORT! I HAVE REQUESTED ON NUMORUS OCCASIONS A PHYSICAL VERFICATION OF THE ORGINAL SIGNED CUSTOMER CONTRACT OF THE REPORTING ITEMS AFFECTING MY SCORE MY LIVELY HOOD IS IN SHAMBLES DEALING WITH THIS. VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT IS REQUESTED, I DEMAND TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A INK SIGNATURE ON IT. COPIES ARE NOT VALIDATION AND ARE NOT CONSIDERED PROOF THAT YOU HAVE PROOF I SIGNED AND CONSENT!
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED INQUIRIES DOES NOT BELONG TO ME, PLEASE INVESTIGATE AND HAVE THOSE UNAUTHORIZED INQUIRIES OFF MY REPORT.
Product: Credit card or prepaid card

I purchased an item from XXXX clothing company in XXXX. Due to very slow delivery I received the item the same time I got a statement from the store credit card. I immediately sent the item back to the company and did not pay the bill due to the fact that the item was returned and that was the only item on the statement. I recently received a new statement with the previous purchase amount and an additional fees. I only owe for current amount in XXXX which is {$40.00}. There should not be an additional {$50.00} in fees to the account. I also asked for account to be closed with proof. The company refuses to correct bill and close account.
Product: Mortgage

I received a letter from Ocwen dated XXXX XXXX, 2016 stating the property address in their records does not match our property. The property address listed in the letter is XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX and our property address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Ocwen also has lender paid mortgage insurance and the property address on the policy is XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I sent you a copy of the FTC report, it became clear that you are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending this complaint to help with organizing a legal response. I will turn over my records to my attorney so that a legal process can start if you choose not to stop the following items listed below from answering incorrectly due to fraud. If it's not too much difficulty, abide by the law because it's my intention to not pursue any legal activities. 
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 XXXX XXXX
Product: Debt collection

XXXX was paid by me and my insurance companIes. I had XXXX XXXX XXXX XXXX XXXX first  and a hospital indemnity secondary insurance. I reached my maximum out of pocket prior to being treated at XXXX. Which means my insurance would pay for 100 % of my medical bills because I had already spent {$4000.00} in medical bills. The lady at XXXX lied about verifying my insurance, because she informed me I needed to pay a {$1200.00} copay ( which was absolutely false ). I was given no other choice because I needed to be operated. XXXX was paid over {$50000.00} by XXXX XXXX XXXX XXXX XXXX  first. Eventually they even refunded me over {$700.00} because of the mistake they made in regards to my insurance. I also never received any information regarding this debt in writing nor from my surgeon during post op visits, he is affiliated to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXXXXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX  XXXX Account number : XXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account completely from my Credit Reports : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), as I have been a victim of a data breach. Please find the specific accounts and inquiries that need to be blocked and deleted from my credit report : Fraudulent Accounts : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Fraudulent Inquiries : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I alerted the consumer reporting agencies that I am a victim of identity theft. XXXX XXXX says that you must remove and block any information from the file of a consumer that the consumer says is a result of alleged identity theft within XXXX XXXX XXXX It has been well beyond XXXX XXXX and the accounts remain. Also XXXX XXXX and XXXX have charged the fraud accounts off and sold them to collection companies. It is illegal for a company to report a charge off. The XXXX considers this income. This is tax fraud. This is also a violation of XXXX XXXX XXXX XXXX b by not reporting accurate information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX says that you can not furnish an account without my written consent. I have not given anyone written permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

My CapitalOne card not showing up on my 3 credit reports and they are reporting in excellent standing. The last report date to the bureaus was XX/XX/XXXX. Account was open XX/XX/XXXX last card 4 are XXXX. All 3 bureaus said they didn't get the info, but CapitalOne said they're reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reply from PRA is a lie, I did not submit the attachment and if PRA did an investigation, then per the address on the attachment from their client it clearly shows that's not my address. If PRA continues to claim to have sent documentation to me on XX/XX/2018 and XX/XX/2018 please provide confirmation of the address it was sent to with verifiable mailing confirmation date with the dates above. Just because PRA claims to have sent out notifications to an address I don't live at for an account that I do not have a signed contract with PRA for the debt amount indicated in PRA 's response, does not confirm the authenticity of said debt nor authorize PRA to continue to make false claims that I owe PRA the debt indicated. I do not owe PRA the debt and I am requesting for this to be removed from all 3 credit reporting agencies immediately. 
I UNDERSTAND THE COMPANYS RESPO
Product: Debt collection

A garnishment was initiated for an unspecified debt. I never have received a notice to court to dispute or arrange payment. I have never received any phone call or message from the debt collector to discuss this with me in any way. The paper work I receive comes to me XXXX week after each wage garnishment is initiated, and contains no notary seal. They send a letter to my employer and tell him to begin taking money, and only after the XXXX deduction, I receive a letter telling me they are deducting money. I have looked at the paperwork my employer received and there is no notary seal or court seal. I have never received a court document of any kind saying that this was going to court in the XXXX place, but the letters I receive and the letters sent to my employer, say this has already went to court and I lost the case? My employer wage garnishment letter has no court seal or notary seal on it either. How do i know this is legit? The letters my employer received do n't even include his last name or title on the paperwork. These papers could have been printed off of any home computer by anyone, as there is no official raised stamp or raised seal of any kind on anything. The only debt I can think of is an unpaid medical loan almost XXXX years ago. This company started sending these letters to my employer to garnish my wages for " a debt '' never saying what debt about XXXX years ago. The attached copies of the form letters are the most recent I received ... and that was XXXX week after the deduction was made from my paychecks.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on Date opened XX/XX/XXXX under the account number ( XXXX ), And a student loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a student loan account opened at XXXX on XX/XX/XXXX, under the account number ( XXXX ), a collections account opened at XXXX XXXX XXXXXXXX XXXX opened on XXXX with a balance of $ ( XXXX ). A account at XXXX XXXX XXXX on XXXX XXXX with a balance of $ ( XXXX ). A account a XXXX XXXX, opened on XXXX XXXX with balance of $ ( XXXX ). A account at XXXX. XXXX, XXXX opened on XXXX XXXX with a balance of $ ( XXXX ). A account at XXXX XXXX XXXX opened on XXXX XXXX with a balance of $ ( XXXX ). account # ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( FTC Report Number : XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau, I am reaching out to you once again to express my concerns and dissatisfaction with the manner in which Discover Bank has handled my recent claim for fraudulent charges on my credit card account ending in XXXX. 

On XX/XX/2023, my phone was stolen, leading to multiple unauthorized transactions across my credit card accounts with several banks, including Discover Bank. The fraudulent transactions resulted in a total of {$450.00} unauthorized charges on my Discover account. This crime has been reported to the XXXX Police Department as part of a financial fraud investigation ( Case No : XXXX ), with the event being detailed in the attached police report authored by XXXX XXXX ( # XXXX ). 

Despite this, Discover Bank denied my claim, stating that the transactions were verified via my email and phone - both of which were in the hands of the thieves at the time. Furthermore, they insinuated that I should have reported the theft and fraudulent activity earlier, ignoring the fact that my ability to do so was compromised due to the loss of my phone. 

In stark contrast to Discover 's conclusion, other leading financial institutions such as XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, who also had my cards in the mobile Apple Pay wallet at the time of the theft, have conducted their investigations and unequivocally confirmed that the transactions in question were indeed fraudulent. This leads me to question the rigor and integrity of Discover 's investigation. Why does their conclusion deviate so markedly from those of these other major banks? 

Under the provisions of the Fair Credit Billing Act ( FCBA ), I am safeguarded from bearing liability for unauthorized charges on my credit card account beyond {$50.00}. Many credit card issuers, including Discover Bank, ostensibly operate under a zero-liability policy for fraudulent charges. It appears, however, that Discover Bank has chosen to ignore these protections in my case. 

I strongly request the CFPB to step in and conduct an impartial review of my case. Discover Bank 's refusal to acknowledge the evidence and honor their own zero-liability policy amounts to a violation of my rights as a consumer. Attached to this letter, you will find the police report, evidence of fraudulent transactions, and other related documents for your perusal. 

Thank you for your attention to this matter. I am hopeful that your intervention will bring about a just resolution to this matter. 

Yours sincerely, XXXX XXXX
Product: Debt collection

This letter is to advise that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Practices Act, 15 USC 1692g Sec.809 ( b ) that your claim is disputed and validation is requested. This is not a request for verification or proof of my mailing address, but a request for validation made pursuant to the above named title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

A computer printout from your company of the alleged debt does not constitute a copy of such verification and or judgment as required by the Fair Debt Collection Practices Act. You will authenticate the debt by providing me with copies of the original paperwork and or court ordered judgment that is valid. I am also requesting validation in the form of a copy of the original contract baring my signature made by me that states I have contractual obligation to pay you, At this time I will also inform you that if your office have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX, XXXX ) This action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on my credit reports by your company or the company you represent. I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or validated. You are also required by law to provide with a copy of the original signed contract. If your office fail receipt, all reference to this account must be deleted and completely removed from my credit file and a copy of such deletion request be sent to me immediately. 

Best Regards,
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of a charged-off account listed under XXXX XXXX  XXXX on my credit report. This account has been continuously verified without providing substantive evidence of its accuracy. This violates the Fair Credit Reporting Act ( FCRA ), and l am demanding immediate action to ensure compliance. Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation when a consumer disputes the accuracy of any information reported. To date, you have failed to provide evidence that the debt in question has been properly verified. Without such verification, this account should be removed from my credit file immediately.
Product: Mortgage

After contacing Stearns Lending Consumer Solutions Department through stearns.myloancare.com and by phone at XXXX 7 times to get them to pay my XXXX property, MUD, and school taxes they have failed to do so and my taxes are now 2 months late. I have called them 7 times since XX/XX/XXXX, it is now XX/XX/XXXX and each time they have told me my taxes would be paid. Each time I have asked for documentation to show that the taxes will be paid and each time they have been unable to do so. I have been told I would be called back twice, both times they did not call me back. I have made every effort possible to make sure my taxes would be paid and they have failed to do so. A professional mortgage servicer should at very least be able to provide documentation that they will pay my taxes on time. The whole point of setting up escrow is to make sure they handle paying my taxes which it has clearly failed to do, they can not even provide a date that I can expect the payment, I simply have to wait until they go late another month before I will know. This is an extremely unprofessional process which has provided no documentation or records, and has cause late payments and undue stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting with this written notice that the following inaccurate   XXXX   XXXX   XXXX    60-89 Da ys Late be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to remove them. If this final request does not prompt you to conduct to removal of the account and send proof to me of said investigation or removal, I will file a civil suit in  XXXX  Ky for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.
Product: Debt collection

On XXXX, I was contacted by an individual stating that his name was XXXX XXXX, claiming to be from XXXX XXXX with a phone number of XXXX. He stated that he worked in a law office and was reaching out before this complaint was filed in court ; he further stated that it was previously with a debt collection agency and that they had been contacting me and sent letters ( to an old address ). He said that he was trying to collect on a delinquent credit card account ( XXXX ) for {$590.00}. I told him that I never received any letter. 

I asked him for a copy of what was sent by the previous collection agency, along with the detailed account information including when and where it was opened and the detailed charges. He stated that he didn't have that, and I would be given everything once the civil suit is filed. 

I monitor my credit regularly and nothing for this account has ever been reported. Furthermore, I contacted XXXX, and they did not have an account on file ( current or past ) and I also spoke to their collections department, and they did not have anything reported on my account. 

I was looking things up online and it looks it is a scam. There was a live chat online for assisting in instances of potential scams and the agent told me that it sounded like scam. The phone number came back as a VOIP # when I reversed looked it up. 

XXXX XXXX, XXXX XXXX ( XXXX ) is a scam!
Product: Debt collection

Debt was settled in court via lawyers and was paid but it was added as a payment to the debt after all documentation was sent