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

Notice to Agent is notice to principal notice to principal is a notice to agent. 
I am contacting you because I have found some excluded information on my credit report. 

I noticed this account on my credit report has turned in a charge-off due to the financial problems Ive been going through. The account from XXXX XXXX in a balance of {$1300.00} has been " written off ''. I am referencing relevant sections of the FCRA, 15 USC 1681s-2 and IRS guidelines about reporting canceled debt. As per the law, those who provide information to Credit Reporting Agencies are obligated to ensure the information is accurate. I am cognizant of the requirement for you to report this canceled debt to the IRS.

15 U.S Code 1681 s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 inaccurate. 

You have reported to the credit reporting agencies that this is a written-off debt. A 1099-C, being non-debt in nature, should not be reflected on my consumer report. By law, the IRS demands you to include the 1099-C in your gross income for tax purposes. Additionally, I have not yet received my required copy of Form 1099-C for the canceled debt, and am now requesting it. The IRS states, " After a debt is canceled, a creditor will send you a Form 1099-C, Cancellation of Debt showing the amount canceled and date of cancellation ''. 
This omission has led to inaccurate reporting of this income on my consumer report. I believe it is important to rectify this matter to ensure proper documentation and reporting. Furthermore, you have substantially damaged my way of life, as Ive been denied credit. As of now, you are now notified about the harmful inaccurate information. It is imperative that you Delete and Block this illicit charge from my consumer report. I must emphasize that you are now aware of the importance I place on the proper handling of my consumer report in accordance with the Fair Credit Reporting Act. I trust that you will fulfill your obligations under the law ( 15 U.S.C 1681s-2 ) and ensure the accuracy and integrity of my private credit information Also, this account is incomplete, from XXXX to XXXX there are multiple missing data for the periods. This is an inaccurate account and must be removed immediately. I thank you consumer reporting agencies for fulfilling your jobs and following the FCRA regulations. 
I have provided proof of payment history inaccuracies below in case evidence is needed in court or otherwise. I've counted 39 periods that report the status of " no data ''. THIS ACCOUNT IS INCOMPLETE AND VIOLATES THE FCRA due to a lack of accuracy. Therefore I am requesting this account be removed and blocked from my consumer report due to FCRA and IRS guidelines and goodwill. 


Thank you for your attention to this matter. 
Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal XXXX XXXX XXXX  {$2600.00} XXXX XXXX  {$3900.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I began receiving payments from unemployment and on XX/XX/2021 PayPal without notice closed my account with limitation of not being able to withdraw or add money to my balancevwhich is a little over {$4000.00} I have contacted them and asked for a partial release they will not give it to me this is my car payment money and my rent money now that I have also become evicted for my home I have one small child that lives with me at three dogs what are we supposed to do where we supposed to live what are we supposed to eat if PayPal has all my money please help
Product: Credit reporting or other personal consumer reports

BOX 1 : I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contra
ct with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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

Default : Collection Agency Subtle Scam? 

What protection do we ( age XXXX ) have when a collection agency ( this XXXX in XXXX XXXX ) places us on 'default ' through their lawyers because they allegedly did not receive the check we sent? 

Our records show we have been diligently paying for a medical bill ( incurred during an emergency ) with this collection agency, in spite of the fact that the hospital kept sending us " 0 '' Amount You Owe -- then popped this Collection Agency ( Please see attached document ). 

Abruptly, half way sending our payments - during the tax refund season at that - we got a call a day after the 'default day ' that we are on default ; subtly informing us this would be forwarded to the credit bureau. 

We are buying a house, about to make the walk-through next month ; you could imagine how conscientious we are on every step of the way regarding credit issues. 

Can this collection agency simply claim, " Sorry, you defaulted, we did not receive the check ...? " We never lost any check we issued -- we make sure we mailed letters/checks directly with our post office. 

I wonder, as a XXXX, how many defaults are incurred due to non-receipt of check payments by this particular XXXX XXXX collection agency, or possibly other collection agencies? Would you happen to have data on this concern? 

In addition, is it the practice of collection agency NOT to send bill or payment confirmation? This collection agency said, " We do n't do that. " This is an alert I would like to share. 

I would be happy to send you the details. 

Have a wonderful day.
Product: Debt collection

Never have been a XXXX XXXX customer. I was at ahelter during the time they provided the servive in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX attempts to inform you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$770.00} XXXX Date of Inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

I am disputing unauthorized inquiries on my TransUnionXXXX credit report. Upon reviewing my credit report, I discovered the below inquiries that I did not authorize or recognize. These inquiries are damaging to my credit score and financial well-being. These inquiries are : " Trans Union ''. 

I request that these inquiries be investigated and removed from my credit report as soon as possible. I understand that unauthorized inquiries can be a sign of potential identity theft or fraud. I have taken steps to protect my identity, including monitoring my accounts for any suspicious activity. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX Dear ( XXXX ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : Octavious Tatum 2. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, Texas XXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXX XXXX. MY ONLY EMPLOYER IS : N/A I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy.

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA.

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.

Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 



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

15 USC 1681 Section 602 States i have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions..

15 USC 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card

My identity from my bank account had been jeopardized causing issues of payments. I do believe somehow information was used for some else purchasing unauthorized transactions
Product: Mortgage

I was doublecharged an appraisal fee of {$320.00} several in XXXX. I have been trying to resolve the issue since then. I was told over 45 days ago that it would be resolved within 30 days, but it has not. They said it was an issue affecting a lot of customers, so I assume that I am not the only one. I've spent over 4 hours of my time trying to resolve this with them. I am currently on the phone with them. They told me most recently on XX/XX/XXXX that it would be off when I called on Friday, but it is still there. I suspect they are defrauding every customer who has had an appraisal to remove PMI using their systems. The company is Mr. Cooper ( dba ) - their full company name is Nationstar Mortgage LLC. If there is a law firm specializing in class actions, there might be a case here, but given that it's {$320.00} for me, it doesn't make sense for me to hire an attorney for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from  XXXX   XXXX  on  XXXX  saying that they would remove all  XXXX  accounts from my credit. It is now  XXXX  and they are still on there. i have enclosed the letter they sent me.
Product: Debt collection

On XX/XX/XXXX, I opened a line of credit through NetCredit, which was originally backed by XXXX XXXX XXXX XXXXXXXX XXXX The account was later transferred to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

Due to a system error on NetCredit 's part, my account did not progress through the appropriate collection servicing flow, which ultimately led to the waiver of my outstanding balance and the closure of the account by XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. NetCredit confirmed this through their response to my CFPB complaint on XX/XX/XXXX. 

While I appreciate the confirmation that the account has been closed and that the balance has been waived, NetCredit has failed to take appropriate action to remove all negative credit reporting tied to this account from the major credit reporting agencies. The company has stated that the process of reflecting the accounts closure in credit reporting may take 30 days, but they have not committed to removing all negative information, which continues to appear on my credit report. 

Actions Taken : XX/XX/XXXX : The line of credit was opened through NetCredit, backed by XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX : The account was transferred to XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX : XXXX XXXX requested the account be returned and closed. 
XX/XX/XXXX : NetCredit confirmed the account was repurchased, the balance waived, and the account closed. 
XX/XX/XXXX : NetCredit confirmed the balance waiver and account closure but refused to commit to the removal of negative credit reporting. 
Amounts Involved : Original Credit Line : {$2800.00} ( Line of credit opened in XXXX ). 
Balance Waived : Full outstanding balance waived due to NetCredits error as of XX/XX/XXXX. 
Requested Resolution : Under the Fair Credit Reporting Act ( FCRA ), all information furnished to credit reporting agencies must be accurate and complete. Since the balance has been waived and the account was closed due to a system error, any negative information remaining on my credit report related to this account is now inaccurate and misleading. 

I am requesting the immediate removal of all negative information tied to this account from the three major credit bureaus ( XXXX, XXXX, and XXXX ) to ensure compliance with FCRA 1681s-2 ( b ) and FCRA 611 ( a ). This includes any late payments, delinquencies, or other negative remarks associated with the account from XX/XX/XXXX to its closure on XX/XX/XXXX. 

I expect this matter to be resolved within 30 days, with written confirmation that all negative credit reporting has been fully removed. 

Failure to comply with the FCRA and remove this inaccurate information will result in further escalation through legal and regulatory channels.
Product: Credit reporting or other personal consumer reports

To whom it may concern : This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 
XXXX XXXX XXXX TransUnion Account # : XXXX Account Status : Open The information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter about how the information was mine and verified to be mine, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. 
Once again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. Also, this account is reporting as open when it should be reported as closed Sincerely XXXX XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2015 there were 2 XXXX XXXX credit cards opened fraudulently in my name. I alerted XXXX XXXX and they removed one of the credit cards for fraud, however they left the other credit card account with a balance of XXXX dollars on my credit report. I have disputed nonstop, weekly and monthly, I have filed XXXX complaints, filed FTC reports and XXXX XXXXXXXX refuses to do the right thing and delete this account stating it is linking me to this account by the address XXXXXXXX XXXX XXXXXXXX XXXX XXXX PA XXXX- I find this interesting as I called each of the 3 credit bureaus and they all told me I am NOT associated with the address XXXXXXXX XXXX XXXXXXXX XXXX and that it has been deleted from all of my files for fraud. I will be attaching the letter XXXX XXXX wrote stating the account is being linked to me by that address so that you can see they are reporting wrongful and inaccurate information to my credit file. This will be the last time I try to resolve this with XXXX XXXX before I file a lawsuit as this account is causing me issues with financing and living my life because of this being on my credit.
Product: Checking or savings account

I had an account before and my account was closed for some reason. I got my money in the mail a few weeks later no problem. I have a credit card in good standing, and Im trying to reopen a new savings account and checking that way I can use this bank as primary for all my funds/credit but it gives me a error anytime I try to open a new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on my report is not correct and needs to be deleted. I did not do these things ... I want them removed
Product: Debt collection

I faxed a debt validation letter to AR Resources on XXXX XXXX, 2016, asking to confirm XXXX has n't been violated. As of today 's date, I have yet to receive any information from AR Resources nor is this account denoted on my credit report as " CONSUMER DISPUTES ACCOUNT '', and both accounts are still listed on all XXXX credit reports. AR Resources has now violated both the FDCPA and FCRA. I contacted them today, XXXX XXXX, 2016 to see I could speak with the have these accounts removed from my credit as I have n't heard from them and their multiple violations in which I encountered XXXX of the representatives and I explained the reason for my call. She went off on me and hung up the phone. All before I was able to get her name. I called back over 12 times where the phone was deliberately hung up each time I guess they could recognize that it was my phone number. I believe this is in such bad practice as well as unprofessional.
Product: Credit reporting or other personal consumer reports

I recently visited a local bank to open a checking account, but was recently denied because from their words I have a report of identity theft on my credit that I don't know about. I did my research from all three credit bureaus but none were successful at finding where this problem arose from. I do know that in XXXX of XXXX, American Express had closed my savings account due to " security reasons '' and there was no way for them to verify my identity and solve the issue. I still had money in my account and they never explained why they could not send a check in the mail for my money. That whole thing was never resolved til this day and they may be the reason why I have been denied of all bank accounts I've tried to open these past years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have personally disputing information on my credit report since XX/XX/XXXX. There have been items where I have specifically asked Equifax, XXXX, and XXXX to perform an investigation with verifiable results. On the XXXX dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and the XXXX dates of XX/XX/XXXX and XX/XX/XXXX, I asked all three credit bureaus to perform these investigations. As of today, those questionable items remain, with nothing in the comments section stating that there is an investigation or reinvestigation. Nothing has been verified and I have received nothing in the mail or electronic correspondence that shows the contrary. I have copies of all letters and they were sent certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has my address in correct I have called ma d provided the correct information my address is 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

This company ( XXXX XXXX ) Ive conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Arizona Department of Financial Institutions ( AZDFI ) is  statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX XXXX : House of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX  XXXX  XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.