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

Im writing to you because I have been having issues with all 3 credit card reporting agencies. XXXX bank credit card erroneously put 2 late payments on my report. One for XXXX, 2021, and another for XXXX, 2021. I called XXXX toll-free number to let them know of this issue and they told me that they do not show any late payments for XXXX, and XXXX of 2021. My XXXX card was used fraudulently last year, so my credit card was replaced with a new number. My only guess is that maybe since my credit card number changed, only the old credit card number would show the late payments, but the XXXX representatives said that should not be an issue. 

I have been trying to get this straightened out with XXXX XXXX, XXXX, and Equifax since 2021 but they wont fix the issue. I have been filing dispute after dispute with all XXXX agencies, with the help of a XXXX XXXX XXXX representative that works for XXXX to no avail. XXXX is part of XXXX. I am trying to get credit for a balance transfer to pay off my large debt but the slow-acting, and unhelpful nature of all three credit reporting agencies is preventing me from doing so. The two erroneous late payments shown on my credit reports for XXXX, and XXXX of 2021 should not be there. Those two late payments are marring my otherwise perfect credit. 
If you need to contact the XXXX credit monitoring representative, his name is XXXX XXXX, and his number is XXXX, extension XXXX. The case number is : XXXX Can you please contact them and get them to fix the issue that has been going on since last year? At this point I dont know where to turn for help. I hope you are able to get this matter resolved. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX Credit Limit : {$5300.00} XXXX High Balance : {$7600.00} XXXX Balance is presently : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMEX Account # XXXX Subject : Request for 1099-C Form and Clarification of Debt Status Dear AMEX I am writing in regard to an account that you have reported as " charged off '' on my consumer report. According to the information you have provided to the credit reporting agencies, this debt has been classified as a charge-off. Under federal law, if this debt has been charged off and effectively cancelled, you are required to issue a 1099-C Cancellation of Debt form for tax purposes.

Request for 1099-C If the debt has indeed been charged off and cancelled, I formally request that you provide me with a copy of the 1099-C form that was sent to the IRS for my records and for tax reporting purposes. Under Internal Revenue Code, 26 U.S.C. 6050P, creditors are required to issue a 1099-C when a debt of {$600.00} or more is discharged or cancelled. 
Clarification of Reporting If you have not reported the cancellation of this debt to the IRS and no 1099-C form has been issued, this suggests that the debt may not actually be cancelled. In that case, your reporting to the credit bureaus is incorrect and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which prohibits the reporting of inaccurate or incomplete information on consumer credit reports.

Immediate Action Required I kindly request that you take the following actions : 1. Provide a copy of the 1099-C form for my records if the debt has indeed been charged off and reported as cancelled.

2. If no 1099-C has been issued, correct the inaccurate information on my consumer report and confirm that the account status has been updated accordingly.

Failure to provide the 1099-C form or correct the inaccurate reporting will leave me with no choice but to file a dispute with the credit reporting agencies and report this matter to the Consumer Financial Protection Bureau ( CFPB ), as well as pursue any legal remedies available to me under the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX there was a fraudulent credit card from XXXX taking out using my personal information for the amount of {$5900.00} i have filed a ftc report and have contacted the police there was also on XX/XX/XXXX another fraudulent credit card taking out using my personal information with XXXX for the amount of {$5600.00}. also on XX/XX/XXXX there was a fraudulent credit card from XXXX for the amount of {$10000.00} opened up using my personal information
Product: Debt collection

Portfolio Recovery Associates is reporting to XXXX and XXXX and XXXX that the balance on the debt is {$570.00}, The original balance was {$570.00} I paid {$70.00}. I am attaching the last notification I received from them verifying that the remainder on the debt is {$500.00}. I either want my {$70.00} refunded or my XXXX and XXXX and XXXX account corrected to reflect the appropriate amount, I have called them 3 times and sent them 5 e-mail inquiring about this and they keep telling me they have no record of me making any payments. I am attaching a record from their company that shows the balance is only {$500.00}. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. I have filed a FTC report and contacted my local police department. I'm doing this on my own behalf. XXXX XXXX XXXXXXXX, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint regarding late payments on my credit record. Upon reviewing my records, I discovered these late payments. I sent inquiries over 30 days ago but have received no response or adequate validation. I'm seeking your help to resolve this issue quickly and effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom it May Concern, This is about the inaccuracy that is inequitably furnished by your organization on my Consumer Report. I came to know about this inaccuracy on XX/XX/22. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following ; XXXX ) Extended Credit XXXX ) Car Loan According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 
There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 
Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must expertise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I request you to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide me with the details of the procedures that meet the need of commerce for the consumer credit. As result, I hereby demand the following ; Please delete XXXX ) XXXX XXXXXXXX XXXX ) XXXXT XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ALL INQUIRIES XXXX XXXX ALL LATE PAYMENT Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C . 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681c. ( 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.

15 U.S.C. 1681s-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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a foreclosure with a company but it is showing up as 2 separate accounts on my credit report. It is damaging my credit because it appears as though i had 2 foreclosures when i actually only had 1. I've tried correcting the reporting with the company and the bureaus but have been unable to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did NOT do proper investigations into the charged off XXXX XXXX account on my credit report. Equifax states they did an investigation from XXXX to completion on XXXX ; Equifax Case confirmation number : XXXX ( myequifax ). 

According to the FCRA they did not do this. 

Equifax states they did an investigation but how if the service address associated with this XXXX account is inaccurate and fraudulent? 

Equifax also needs to explain why XXXX has completed an investigation on this very same XXXX XXXX account and they have since removed it from my XXXX credit report. 

How does XXXX do an investigation and remove this inaccurate/fraudulent XXXX account but Equifax does an investigation stating it's accurate?

If Equifax had completed an actual investigation into this matter they would have had the same outcome as XXXX. 

Not only does EVERYTHING on my credit report have to be 100 % accurate according to the law Equifax has to have " my written consent to furnish accounts on my consumer report. '' I have contacted the FTC and the GA Attorney General on this issue with Equifax. 

Please see attachments. 

The last attachment shows Equifax did nothing concerning this issue after the first CFPB Complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has just dinged my score, due to a fake debt & has done nothing to actually help customer
Product: Debt collection

I explained to company and all XXXX Credit Agencies that this does n't belong to me. They refuse to move it or send me proof that I should pay it.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Have Some Fruad Accounts Appearing On My Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went over my credit and noticed there are a few accounts that I did not authorize
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : XXXX XXXX LAST NAME : XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX is blocking XXXX from accessing my CapitalOne account. So, effectively, pushing me to use other banks. XXXX is a legitimate financial institution with all appropriate permits and licenses. It is NOT a CapitalOne360 business how I use MY money, as long as it's lawful. Please stop CapitalOne360 discriminating millions of customers!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the credit bureaus. I submitted a complaint to the credit bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, the credit bureaus are legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from the credit bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the credit bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Debt collection

Briefly describe your complaint : On XX/XX/XXXX/19 I had noticed there was {$27.00} from my XXXX account from XXXX XXXX XXXX XXXX. I then contacted them at XXXX. I asked to speak with a manager regarding a transaction that was debited from my bank account without my authorization. The person transferred to a Mrs. XXXX and statred to give her my information on what happen. I then stated that I changed my account back in XXXX and then in XXXX I called to cancel all my payments. I asked to speak to the person that I tooked to but she stated she no longer worked there.Then she  started to talk over me and I asked if she was a manager and she stated SHE WAS NOT. So then I asked to speak to a legal manager and what was his or her name. She then stated it was XXXX and then she transferred my call. HOWEVER SHE NEVER DISCLOSED THE MINI MERANDA. 
I then spoke to XXXX XXXX and I stated to him why I was calling. He then verified who I was but he had my wrong address on the account and stated the MINI MERANDA. I advised him that Mrs. XXXX stated she was a manager and she never disclosed the mini meranda. We then went over my account and I again asked for the person I spoke to last year and he also stated that she no longer was working there. He then stated that his company tried to debit my account 3 times -XXXX, XXXX, and XXXX but there were no funds in the account and also he stated THAT THEY DID NOT DEBIT IT IN XXXX BUT THEN ON XX/XX/XXXX/2019 .AND HE ALSO STATED THAT NOT ONCE DID ANYONE CALL ME TO VERIFY ANY OF THOSE TRANSACTION TO BE APPLIED. I THEN ADVSIED HIM THAT YOUR COMPANY SHOULD HAVE PLACED THE ACCOUNT IN NSF STATUS THE FIRST TIME AND I SHOULD HAVE BEEN NOTIFIED THE FIRST TIME WHEN THERE WAS NO FUNDS TO COVER THAT ACCOUNT BECAUSE I CANCELLED THE PAYMENTS. HE STATED HE WOULD REVERSE THE CHARGES. HOW EVER I ADVISED HIM THAT I WOULD BE FILING A COMPLAINT FOR EACH VIOLATION OF THE FDCPA THAT HIS COMPANY VIOLATED INCLUDING CONSIDER MY ACCOUT PAID IN FULL AND TO REMOVE THIS FROM THE CREDIT REPORTING AGENCIES.
Product: Debt collection

Radius Global Solutions LLC is attempting to collect {$1400.00} for a debt I do NOT owe. This is a SCAM.
Product: Debt collection

This is the following complaints ( XXXX, XXXX ) because none of my questions were answered which means did not investigate. 
I will answer the discover statement too why it is a false accusation in the first place before I take legal action. 

XXXX*1. Discover stated " Additionally, our records confirm that we attempted to contact you by phone 99 times from XX/XX/2020 to present to assist in the repayment of your account. Please see the details to my investigation below '' => I closed my Discover card on XXXX XXXX. so your accusation is false which is fraud too. ( I attached the e-mail of closure that you guys sent me for the complaints before ) => I told you guys I can not be reached any longer from XX/XX/XXXX that is why I wanted to pay ahead. If you guys investigated, you are supposed to have that in the file as well XXXX XXXX asked million times that I want to see all the transactions of {$220.00}. please show me and tell me what are the transactions because I was not even in the United States and closed the account. so I really want to know what are the transactions. ****************************************** Please refer this from Discover statement. 

" I wanted to see the transactions On XX/XX/2020, your above-referenced payment in the amount of {$220.00} was returned unpaid as your external financial institution advised that the account was closed. ''
Product: Debt collection

I am not liable for this debt with RISE XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as i requested
Product: Vehicle loan or lease

The novel coronavirus pandemic has changed everything for my beloved wife XXXX and me! 

My beloved wife XXXX and I are senior citizens of advancing years with XXXX XXXX XXXX and so WE ARE IN THE HIGH RISK CATEGORY AND THUS ARE UNABLE TO WORK. 

Yet the Bank of America has yet to answer my request to lower the payments on our car loan to {$500.00} per month! The last payment due was in XX/XX/2020! CRUEL!
Product: Credit reporting or other personal consumer reports

Heres a formal dispute letter you can use to address **Synchrony Bank** regarding incorrect delinquent reports on your credit file.

-- - **Synchrony Bank** [ c/o XXXX XXXX XXXX ] XXXX XXXX XXXX **Subject : Urgent Dispute of Incorrect Delinquency Reports on My Account** To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of late payments on my account with Synchrony Bank. Despite making my payments **in full and on time**, I have repeatedly noticed that my account has been **wrongfully marked delinquent**. I also opted to **settle the account properly**, yet these errors persist. 

This incorrect reporting is severely affecting my **livelihood**, causing undue hardship in my ability to secure financial stability. I have worked diligently to ensure my financial obligations are met, and I find it unacceptable that these errors continue to impact my credit standing. 

I am requesting that you **immediately investigate and correct** these discrepancies. Enclosed, I have included **proof of my timely payments**, which clearly show that these bills were settled **before the threshold time**. Given this evidence, I demand that all inaccurate late payments be **removed** from my credit report. 

Failure to rectify this matter promptly will leave me with no choice but to escalate my dispute to the **Consumer Financial Protection Bureau ( CFPB ) ** and other relevant authorities. I trust that you will take the necessary steps to resolve this issue swiftly and accurately. 

Please provide written confirmation of the corrections made to my credit report. If further information is needed, do not hesitate to contact me at or ** I appreciate your urgent attention to this matter. 



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

I opened an American Express Gold Account back in XXXX and have paid that card off at LEAST ten times yet AmEx just now reported that card as being opened on XX/XX/XXXX! SHAME! I will be closing this card out TODAY!
Product: Debt collection

Hello, I 've had a XXXX XXXX XXXX loan in default for a few years. I was never contacted about this specific loan ( all of my other loans are in good standing since they stayed in close contact with me ). I had successfully defered my other loans since I 've been abroad and unemployed, but somehow I never once heard about this XXXX loan until I applied for financial aid again to finish my last year of school and was rejected. So I contacted the collection agency that my loan was sent to : Delta Management Associates. I tried to set up a rehabilitation program but they only withdrew money from my account once. After around two months, I was asked for the same documents again without any explanation ( and I sent them without ever hearing from them again XXXX and then no more payments were ever taken from my account and they never contacted me again. I 've emailed the manager and XXXX employees there several time to ask what happened ( I have proof of these emails and it 's how they corresponded with me before because I am abroad ) and I have n't been able to get in touch with anyone there. I asked several times to send it back to the original lender so I could pay it off IN FULL without he collection agency 's very high interest rates ( I can afford to pay the loan but not the interest they tacked on ) or I asked for the loan rehabilitation to continue and asked why it stopped. In total, I 've sent about XXXX emails without zero response and I tried contacting default resolution at XXXX but was given different phone numbers and sent in circles. It seems no one is willing to help me. 

I have been trying to go back to school to finish my last year since XXXX 2014, but it 's impossible to get financial aid without this issue resolved. I 'm very desperate to complete school and I would like to go to grad school abroad. I ca n't get a hold of the collection agency Delta Management and they have not bothered to respond to me once. I 've asked XXXX for their advice and they said to lodge complaint and see if I can get the loan sent to the original lender or different agency to pay off immediately ( as long as I do n't have to pay high rates for agency 's fee since they are about an additional {$1000.00} ). They said it was also possible that the loan already went to another agency. So I tried to track it and was told to contact XXXX XXXX XXXX XXXX in XXXX as the XXXX XXXX. So I tried to look up their information to find out that they are permanently closed. 

Besides this, I was never once contacted about this loan for years until it was too late. I found other students that attended XXXX XXXX XXXX who had this same exact problem with this same exact loan ( zero contact and then defaulted ). So I am obviously very concerned about this and do n't know what my next step should be. I was thinking of getting a lawyer but I thought that could prove to be difficult as I am abroad and if it would really be worth it in the end. I 'm just looking for better solutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted All three credit bureaus regarding miss information on my credit report someone has tampered into my credit report and change my information including my name my last name date of birth address is in Social Security numbers. Having a copy of my credit report from four years ago and none of this information was on my credit report this is been recently done and I believe I know who is involved. I have put a freeze on my credit report and it seems to be unlocked several times and I have locked it again. Someone is repeatedly putting several addresses changing the names the numbers on my credit report and Ive asked a credit with bureau by certified mail to change my information to the correct information including my name date of birth social security number and phone numbers including my address. This is fraud and unacceptable
Product: Debt collection

I have several hospital debts that have been referred to Optimum Outcomes. Unfortunately, this debts were billed and made known to me after I filed for Chapter XXXX bankruptcy in XX/XX/2015. My Chapter XXXX was confirmed around XXXX 2015. I keep receiving letters from Optimum Outcomes for accounts related to XXXX XXXX and XXXX XXXX XXXX XXXX - XXXX XXXX for lab work. 

Currently, I am in XXXX XXXX bankruptcy and under law, they can not threaten to sue me or put a judgement on me while I am in Bankruptcy. Prior to filing for Bankruptcy, I attempted to obtain financial assistance from XXXX XXXX and they refused to provide any charity assistance. This puts XXXX XXXX 's non-profit status into question. Perhaps the IRS should look into their qualifications for having a non-profit status.