23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have lived at my address since XXXX and never received any notice regarding the debt that appears on my credit report from ATTXXXX XXXX for {$440.00}. I became aware of this debt while reviewing my credit report in XXXX of XXXX. I have tried disputing this debt twice. We disconnected, settled and returned all XXXX XXXX equipment in XXXX. I called ICS Systems Inc and they could not give me any information other than it was a XXXX XXXX bill. I am happy to settle this debt but I believe this to be inaccurate. The account has always been in my husbands name as well. This doesnt make sense as to why it is on my report. XXXX also had a New York address for me and I have never lived in New York. Something just does not feel right with this debt or I would have already tried to settle it. I have had several fraudulent transactions against my name so I try to be very careful. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently receiving an updated copy of my credit report from Transunion credit reporting agency. Ive notice that an account has been reinserted onto my consumer profile without notification 5 business day prior to reinsertion. This is a violation of federal law Account : XXXX XXXX XXXX XXXX XXXX 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Original creditor : XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was trying to fixed my computer, and I XXXX it the question so there is a website coming up, I clicked on it, it looks just like a official XXXX website so I contacted them, they used an app kind of monitoring my screen and said that they gon na send me a code or something need go to my bank app and type in.They transferred all my money! I realized that was a fraud so I called my bank right away when the transaction is still pending. And the lady who picked up the phone told me that dont worry, shes going to report it and get my money back. So I was waiting for so long, finally I called again, somebody else picked up the phone telling me is because I am the one sent the money out so thats gon na be different situation, I said yes, because it was a fraud, they made me to do it, I dont even realized I was sending the money. And finally they said they were negotiating with the other persons bank. I dont understand why they need to negotiate, of course they are not gon na send my money back! THE AMOUNT was {$890.00} THE DATE was XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding inaccurate late payment information reported on two XXXX XXXX accounts on my credit report, which violates federal law and negatively impacts my credit standing. This dispute involves Experians failure to ensure the accuracy of the information they report, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ).

The two accounts in question are as follows : XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Reported Late : 30 days past due XXXX XXXX, 30 days past due XX/XX/XXXXXXXX XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Reported Late : 30 days past due XXXX XXXX XXXX days past due XX/XX/XXXX Upon reviewing my records, I believe the late payments reported on these accounts do not accurately reflect the timing of my payments, as outlined by the Truth in Lending Act ( 15 U.S.C. 1666b ). According to this law, a payment is considered timely if it was transmitted in a manner ensuring its delivery to the creditor by the due date. Based on my records, I made my payments within the allowed grace period. It seems the payments were incorrectly processed as late due to an error on XXXXXXXX XXXX part. 

Furthermore, the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) requires that consumer reporting agencies maintain procedures to ensure the maximum possible accuracy of information. The inaccurate reporting of these late payments violates that requirement and negatively affects my credit report.

I request the following actions : -Immediate correction of the late payments for the two XXXX XXXX accounts to reflect " on-time '' status. 
-Written confirmation that the inaccurate information has been updated. 
-Removal of any penalties, fees, or negative marks associated with this error. 

I have attached supporting documentation to verify my claim, including payment receipts and billing statements. I request that this matter be investigated promptly. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution.
Product: Debt collection

I do not recall having an account with this creditor. I have tried to get in contact with the creditor with no success. There is a debt on my account which I have not opened. I would like this removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have been a victim of identity theft. I just received my credit report and I noticed unauthorized items that shouldn't be in my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I need the following items to be deleted ASAP. Thank you. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off on my credit report by CIG FINANCIAL LLC . The charge-off in question is inaccurately reported and should be deleted. My complaint is supported by relevant case law that highlights the inequitable nature of the continued reporting of this charge-off.

Creditor Name : CIG FINANCIAL LLC Account Number : XXXX Amount : {$18000.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a ) : In this case, the court held that it is inequitable to allow a creditor to belatedly enforce an alleged debt after it received a tax benefit from the charge-off. The creditor 's continued reporting of this charge-off, after receiving a tax benefit, is similarly inequitable in my situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The issuance of Form 1099-C after the debt was written off is considered " prima facie evidence '' that the debt has been discharged by the creditor. This creates an issue of fact that should prevent the continued reporting of the charge-off on my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : The court ruled that it would be inequitable to require the defendant to report the discharge of a debt as income on his federal tax return while allowing the plaintiff to continue holding him liable for the debt. Similarly, it is inequitable for [ Creditor 's Name ] to continue reporting this debt as a charge-off on my credit report.

Based on the aforementioned case laws and the inequitable nature of the continued reporting of this charge-off, I respectfully request the following : Immediate deletion of the inaccurate charge-off from my credit report. 
Notification of the deletion to all major credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Written confirmation of the actions taken to resolve this matter. 
Supporting Documentation : I have attached my consumer credit report showing the inaccurate charge-off I trust that the CFPB will investigate this matter thoroughly and take appropriate action to ensure the deletion of this inaccurate charge-off from my credit report. The continued reporting of this charge-off is inequitable and unsupported by relevant case law. 
Thank you for your prompt attention to this matter. Please feel free to contact me if you require any additional information.
Product: Credit reporting or other personal consumer reports

CFPB Complaint Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX D.C. XXXX Subject : Complaint against TransUnion for XXXX Bankruptcy XXXX XXXX Credit Report Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding an inaccurate bankruptcy entry on my credit report that has not been resolved despite my attempts to have it corrected. Below are the details of the dispute : 1. Company Information : Company Name : TransUnion Company Address : XXXX XXXX XXXX XXXX, PA XXXX Phone Number : ( XXXX ) XXXX ( TransUnion ) 2. Nature of the Complaint : I am disputing the inclusion of a bankruptcy on my credit report that was filed with the { XXXX XXXX XXXXXXXX } XXXX The bankruptcy was reported under reference # { XXXX } and listed the date of filing as { XX/XX/XXXX } Court # ( XXXX ). I have received a memorandum from the original creditor confirming that they have not sent any information regarding this bankruptcy to the credit bureaus. 
According to the Fair Credit Reporting Act ( FCRA ), specifically Rule 623 ( a ) ( 5 ), the original creditor is required to submit accurate and verifiable information to the credit bureaus. The information regarding the bankruptcy is therefore incorrect and must be removed because the original creditor has stated they never reported it. This violates both the Fair Credit Reporting Act ( FCRA ) and the provisions of 15 U.S.C. 609 ( a ) ( 1 ) and ( 2 ).

3. Actions Taken : On XX/XX/XXXX, I sent a written dispute directly to TransUnion requesting the removal of the bankruptcy from my credit report, citing the memorandum from the original creditor confirming they did not report this bankruptcy. I attached the memorandum as supporting documentation. 
4. Impact on Me : The bankruptcy that appears on my credit report is erroneous, and it has negatively affected my credit score and my ability to obtain credit. The continued presence of this inaccurate information is causing harm to my financial well-being.

5. Desired Resolution : I request that TransUnion immediately remove the inaccurate bankruptcy entry from my credit report. The information has been confirmed by the original creditor as not having been reported to TransUnion, which makes its inclusion on my credit report a violation of the Fair Credit Reporting Act. 
I am attaching a copy of the memorandum from the original creditor as evidence of the inaccuracy. 
Please investigate this matter and take the necessary action to ensure the information is corrected or removed. I am looking forward to your prompt attention to this complaint and a resolution in my favor. 

Thank you for your time and assistance. 

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

XX/XX/year> Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Collection Account on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear Equifax Representatives, I am writing to formally dispute the accuracy of a collection account listed on my credit report. In accordance with 15 U.S.C. 1692g, under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of this collection account.

Legal Basis : 15 U.S.C. 1692g Validation of Debts The law clearly states : ( a ) Notice of debt ; contents.

Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Under this law, if the debt can not be verified, it must be removed from my credit report. Therefore, I respectfully request that this collection account be validated. If the collection agency can not provide adequate validation, Equifax must remove this account from my credit report as required by law. 

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you in advance for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

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

Hello : I want to submit a complain against Transunion, because they don`t care about those 3 inquiries that they put on my account without my concent. They got off their sistems and put this information in my credit report. The Seccion 610 of fair credit reporting act states that anything deleted from your credit report and is reincerted need to get a 5 day notification after this item is reinserted. Also I had contact the companies, sent them a c. Letter and never get answered.I call the boreou and they told me that they will not do nothing without the letters, they don`t care at all. I don1t gave any account with them and I don`t have any debit with them. 


XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/2016 Institution Information XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Please, I need your help to get it out of my transunion report, because it is a fraudulent act against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously reported some of these things but that was before Experian sent a credit report. There is incorrect information as well as fraudulent accounts. I also Called XXXX here in XXXX, MO and spoke to XXXX. He said the information about this XXXX account is wrong. I have no bill with them and he told me to call XXXX XXXX  and tell them they would not have sent or gave them anything anyway. Also the personal statement I have begged for them to remove it not keep it on there. I have written them over and over and it still remains on my credit report. There is an address I noted is not my address and I never changed it to successfully. One address is a XXXX XXXX XXXX XXXX  and I lived there from XX/XX/XXXX till XX/XX/XXXX. Then left and moved to XXXX, mo.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of
Id

entity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) U.S.C 1681 Section 602 The right to privacy 5. ) 15 US Code 5 Section 1681b : Permissible purposes of consumer reports 6. ) 15 U.S.C 1681 Section 604a, Section 2 : A consumer reporting agency can not furnish an account without your written instructions 7. ) TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) 8. ) United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online press release, including documentation of any potential small claims action.

Please see the attached file below.
Product: Credit reporting or other personal consumer reports

*Flagstar Bank decided to sell my loan without telling me in XX/XX/2024 *Flagstar Bank plotted to perform another escrow analysis on my mortgage of less than 6 months well-knowing they were selling my mortgage undenounced to me at the time.

*Flagstar Bank , as a result of their new unknown escrow analysis, increased my mortgage.

*Flagstar Bank never notified me of the mortgage increase.

*Flagstar Bank then sold my mortgage after notifying me of a late payment.

*Upon receipt of the late payment notice, I contacted Flagstar Bank and they notified me on the phone of the mortgage increase due to their new escrow analysis and the sale of my mortgage and could not help me any longer, stating that they no longer owned the mortgage.

*Flagstar Bank sold the mortgage to XXXX XXXX XXXX in the interim of the sale, Flagstar Bank would not take my phone calls or letters nor was XXXX XXXX due to the new mortgage company account being setup with XXXX XXXX XXXX 
*The terms of my mortgage sale states that for 60 days I shall not be penalized nor any credit bureau reporting in a negative fashion.

*Flagstar Bank notified the credit bureaus of a late mortgage payment while in parallel not giving me notice of the same mortgage increase or proof of same.

*I have no mail, email, written or otherwise any oral communication to me, with proof of service that Flagstar Bank increased my mortgage, while in parallel making my mortgage payments in full, plus adding an additional {$150.00} to my mortgage payment to my new loan servicer XXXX XXXX when after the fact I discovered due to a late notice that my mortgage increased without notification prior.

*Flagstar Bank charged me numerous late fees, interest and late charges plus notified the credit bureaus of a late payment, which was {$67.00} short, but not notified to me.

*Flagstar Bank shall be fined and reprimanded and further, Flagstar Bank should be made to correct the fraudulent credit bureau notice.
Product: Credit reporting or other personal consumer reports

am submitting a complaint regarding inaccurate personal information on my credit report. My correct address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX, and my correct date of birth is XX/XX/year>. However, my credit report contains incorrect personal information, including wrong addresses and incorrect dates of birth. The accounts that are charged off on my report have wrong DOB & streeXXXX address that are not mine. As senior citizen this violating my rights This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( a ), which requires credit reporting agencies to maintain accurate personal information. I request that any accounts or information associated with incorrect personal details be promptly removed or corrected. 



Please investigate and ensure that my credit report reflects accurate and up-to-date information, and that any false data is deleted immediately, in accordance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested each of the credit reporting agencies multiple times over the past year requesting a freeze on my credit reports. With each request, I have included name, social security number, and address verification. None of the CRA 's are following through with the freeze request, and have even prevented me from accessing any of my credit information. XXXX claims they do not have a credit file on me even though I have a copy of my credit report and include it with my requests as well. XXXX  won't provide me with any information either. 

I have also submitted police report regarding identity theft, which has also been disregarded and ignored. 

In an attempt to apply for a home improvement loan, none of the CRA 's were willing or " able '' to lift the security freeze as requested over the phone nor in writing - even with various documents proving identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery has failed to contact the XXXX police department to retrieve the police reports in regards to this fraudulent debt. Detective XXXX XXXX notified me that there are zero request from Portfolio Recovery for case #XXXX. It is their responsibility to obtain these police report documents! They continue to report this debt anyways to all 3 major credit bureaus as 100% complete and accurate under my name anyways which is a willful and direct violation under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has VIOLATED my Federally Protected Consumer Rights under the FCRA, by repeatedly reporting an inaccurate account on my consumer report. XXXX 's correspondence is sayin, the creditor has verified the information and the information was updated without sending me verifiable proof of names and addresses of whom they spoke to that's knowledgable of such information.
Product: Debt collection

I am XXXX XXXX I am submitting this complaint for myself. My XXXX credit report dated XX/XX/21 as well as my XXXX report dated XX/XX/21 shows a debt collector by the name of Simons Agency Inc. I have never had an account with this agency. On XX/XX/21 a request for validation of this alleged debt was sent. Pursuant to 1692g this agency under law has 5 days to furnish this information. This agency is in violation ( pursuant to law ) of my privacy. My written permission was never furnished and my request for validation was ignored. Correspondences were sent via certified mail XX/XX/21 & XX/XX/21.