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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CAPITAL ONE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off and Request for XXXX Documentation Dear CAPITAL ONE, I am writing to formally dispute the charge-off reported on my credit file under account number XXXX XXXX  XXXX CREDIT CARD. I recently discovered that this debt was written off without my consent, yet I have not received a XXXX Cancellation of Debt Form as required by the IRS. If the debt has indeed been canceled, I am requesting immediate confirmation and removal of this account from my credit report. 

Under IRS guidelines, a creditor must issue a XXXX form when a debt of {$600.00} or more is canceled or forgiven. If you have officially XXXX this debt, I request that you : XXXX. Provide a copy of the XXXX form that should have been sent to me for tax reporting purposes. 
XXXX. Confirm in writing that this debt has been canceled and is no longer being pursued for collection.

3. Update my credit report to reflect a {$0.00} balance and remove any negative reporting associated with this charge-off, as I no longer owe this amount.

If this charge-off remains on my credit report despite the debt being written off, it may be a violation of credit reporting regulations and IRS reporting requirements. I request that this matter be addressed promptly. If I do not receive a response within 30 days, I may escalate this dispute to the IRS, Consumer Financial Protection Bureau ( CFPB ), and credit bureaus for further investigation. 

Please send your response and any supporting documentation to the address listed above. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I urge you to swiftly rectify this error on my credit report. I confirm that I did not consent to the existence or utilization of this account and have enclosed supporting documentation.

I formally request the removal of this inaccurate account from my credit report, as I did not authorize its establishment or utilization.
Product: Credit reporting or other personal consumer reports

Transunion is reporting late payments for an account that I was never late on. The most recent late payment that they are reporting is in XX/XX/2023 for the account XXXX XXXXXXXX. No other credit bureau is reporting this erroneous error. I am requesting that the late payment is removed from my credit report due to incorrect reporting.
Product: Checking or savings account

Simple Bank corp merged with BBVA and they said our accounts would be trasnfered over the weekend. I followed all their instructions to use their online service and have access to my account but they locked my account and have no access to my funds or can deposit my check. Their phone lines are not working and I can not get in touch with anyone. I am not the only one, there are tons of people on XXXX XXXX that are in the same situation.
Product: Credit reporting or other personal consumer reports

I have sent these companies on multiple occasions my new mailing address as well as physical address. They refuse to remove any other addresses associated with my account. I've attached a copy of my license and my current utility bill below.
Product: Credit reporting, credit repair services, or other personal consumer reports

please review the following accounts, which were reported on my credit, without ever having been authorized XXXX Account Number : XXXX This is not mine. 
CAPITAL ONE Account Number : XXXX This is not mine. 
XXXX XXXX XXXX Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine. 
XXXX XXXX  XXXX  Account Number : XXXX This is not mine. 
XXXX XXXX Account Number : XXXX This is not mine. 
CAPITAL ONE Account Number : XXXX This is not mine. 
XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

XXXX XXXX XXXX XXXX is suing me in Superior Court of California for {$3600.00} on behalf of Capital One Without producing a copy of intial credit card application and any account number related to that account. On XX/XX/XXXX  I sent a certified letter with tracking number # XXXX to XXXX XXXX XXXX XXXX demanding a copy of that initial credit card application with my signature and an account number related to that account, and they have started to play cat and mouse game and not responding to our lette
Product: Credit card

Hi! My name is XXXX XXXX. I got a British Airway visa card in XXXX, XXXX. When I opened my account, I thought I would get a travel together ticket if I spent more than USD XXXX within a year. And I have already spent more than USD XXXX now. But I did n't receive my travel together voucher, so I checked the website and found out that the requirement was within a " calendar year '' instead of " a year ''. But I opened my card in XX/XX/XXXX, there were only less than three months left in XXXX. And I spent more than USD XXXX before XXXX XXXX, XXXX. I think it was very close to the requirement, USD XXXX. 
So I think the rule is very unfair for a new user. Like me, just because I opened my card in XX/XX/XXXX, I lost my deserved reward from spending more than USD XXXX in less than 3 months. If I opened my card in XX/XX/XXXX, absolutely I would be qualified to get the voucher. Also, the other thing I want to address is the rules are very confusing. There are XXXX types of rewards. XXXX is open card bonus, the other is travel together ticket. For open card bonus, the requirement is " within your first year '', however, the requirement for the travel together ticket is " in a calendar year ''. I believe it is misleading and trying to confuse customers. 
Thank you for your time and help. I look forward to hearing from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter via certified usps mail and it was received XX/XX/2022 @ XXXX I received a email on XX/XX/2022 @ XXXX stating it was received and they will not process my dispute. I called on XX/XX/2022 to inquire why and they told me they have no record of receiving my letter and do not know why i received that email. According to 15 usc 1681i- procedure of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

Excessive phone calls and text messages. 
XX/XX/XXXX - I was called 3 times in a row XX/XX/XXXX - I was called 2 times XX/XX/XXXX - I was called XX/XX/XXXX - I was called 2 times XX/XX/XXXX all together was 28 phone calls and 6 text messages. When I block a number, they just call from a different one. I have asked them to stop but nothing changes. I paid the very small bill they are trying to collect, directly to who it was owed to before they even started calling me.
Product: Debt collection

Frivolous and misrepresentation of informations sent to three credit bureaus causing me financial injury and economic harm. The information reported by Coast Professional inc to three credit bureaus for {$47000.00} is at 40 % as delinquent is in accurate and violation of Federal Truth In Lending Act and FTC Law.
Product: Mortgage

I made a complaint with the CFPB after close to a year now of trying to get this resolved with Shellpoint. They bought XXXX XXXX XXXX after my first trial payment was made on my modification. I continued to make trial payments and was eventually told to stop. Each month I contacted customer service, explained the entire situation, and they were crediting my account as a partial payment instead of as a trial payment. They promised multiple times that they were escalating the situation. My point of contact even once told me she had submitted it to closing for the final and nothing happened since. I finally made a complaint with the CFPB. The company responded stating they would honor my modification since all trial payments were made and correct how my account was credited, as well as not charge me interest for the months nothing was happening. They stated I would receive the final modification and my payments would start in XXXX. I have received nothing, my account online no longer states its processing the modification. And calling customer service is a complete waste of time since my point of contact doesn't return my calls and they just keep telling me they are escalating it. This is affecting me repairing my credit and I am out of options at this point for a resolution beyond hiring a lawyer. They continue to call me about late payments, but know nothing about this modification. I will attach the previous complaint and response.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$7.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$580.00} This complaint is my follow-up in line with my prior complaints
Product: Credit reporting 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 USC 1681XXXX the late payment information is incorrect and is causing hardship Account type : credit card Account name : XXXX  XXXX XXXX Account XXXX : XXXX  XXXX XXXX XXXX XXXX XXXX Account type : Credit Card Account name : XXXX XXXX XXXX  XXXX XXXX Account number : account ending XXXX. Has Violated my rights. and this Company wouldn't accept or post my payments.

15 U.S.C. 1681 SECTION 602A States I have a right to privacy 15 U.S.C. 1681 SECTION 604 A section 2 : It also States a consumer reporting agency can not furnish an account without my written instructions.

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 Reporting Agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccuracies are stopping me from getting new credit cards, financing an Auto and purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX - XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX Balance : {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Accounts Appearing On Credit Report. 

1. XXXX XXXX XXXX {$4600.00} 2. XXXX {$520.00}
Product: Credit reporting or other personal consumer reports

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 Contract 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 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: Mortgage

My mortgage loan was in a default and I received a forbearance plan due to COVID-19. I have informed them that I had contract the virus and they did suspend payment. However, I was unable to return to work and is no longer with the company which gave the opportunity to pull down my 401k money. So, on XX/XX/XXXX the funds in the amount of {$180000.00} was bank wired to account XXXX XXXX XXXX XXXX per payoff instructions. 

As, of today XX/XX/XXXX they are not showing my loan payoff of payment received. I have called daily and provided proof of wire completed on XX/XX/XXXX to research dept. In calling in on today I was told that they see I have been calling but process has not began for resolution of this issue. I am so afraid that they are scamming me. They are asking me to send information again now by email. This does make sense to me. 

I really need help in getting this issue resolve immediately. 

The mortgage company/ servicer PHH Mortgage gmla # XXXX nils # XXXX XXXX XXXX XXXX # XXXX. address XXXX XXXX XXXX XXXX , IL XXXX XXXX. XXXX cell
Product: Debt collection

I got a derogatory mark on my XXXX, XXXX and XXXX credit report stating this account got sent to collections. However, I don't have no knowledge of this debt and, that it doesn't belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. LVNV FUNDING LLC
Product: Debt collection

I sold a XXXX XXXX to XXXX XXXX, his XXXX, and his XXXX, XXXX XXXX, using XXXX on XX/XX/2022 for {$650.00} in XXXX, OK. On XX/XX/2022, about a month after the transaction had been finalized, the buyer then notified their bank that the purchase was an unauthorized charge. XXXX also has blocked me on XXXX, which most normal buyers don't do unless they are up to no good. XXXX was unable/unwilling to help me and their sole purpose was recouping the amount owed, and sought to have me pay a total of {$660.00} to settle my account. I consider myself a victim of fraud/theft as I have logs from XXXX stating XXXX XXXX, his XXXX, and himself were on board with the purchase, so I reported an XXXX form. I have not heard anything back regarding my filing of the XXXX form. I have also filed a complaint with XXXX XXXX. I have video footage of the meetup with the XXXX who came to pick it up, and pictures of the chat logs. I am on limited income and XXXX due to having a XXXX and a chronic XXXX. I was trying to earn a little extra money to pay for my expensive medicine, I don't have the income to take a {$660.00} hit to my finances and pay for their fraudulent actions. I tried to attach the video but the file exceeds the XXXX limit, if it is required I am more than happy to show that as evidence as well. I have attached the relevant chat logs. 

Reference # XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a personal loan with Upstart as recommended on XXXX XXXX as having outstanding odds of approval. 

I already have an existing loan with Upstart for at least 1 year. I paid off a loan over 5 years ago with same company. 

Upstart sent my loan request to a 3rd party called XXXX which declined my application due to not being able to verify my ID. 

I'm the victim of Real ID theft and have a 7 yr extended fraud alert and request to contact me at my phone number prior to approving any credit requests. 

They failed to verify my ID by contacting me. This was their sole reason for declining my application. 

I provided them with all necessary information to process the loan. Furthermore, I already have an existing loan with Upstart. Upstart verified my ID for that loan and a prior loan by calling me per the instructions on my credit report. 

This company they sent my application to failed to do their job. Now my credit score is dinged and I got declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit line on pg  XXXX  shows   XXXX   XXXX   XXXX   in collection of  XXXX  past due with original creditor being   XXXX   XXXX   XXXX   XXXX   XXXX   and then on page  XXXX  it shows the same account   XXXX   XXXX   XXXX   closed and written off so its a duplicate acct I have sent a letter ove r 3 m oths and no reponse and the duplicate line is still there
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

" XXXX_ XXXX '' continues to report inaccuracies about past debtors and/or fraudelent creditor collectors on each credit report. My credit score remains drastically low. I had disputed many erroneous credit items including personal information such as name/address/telephone numbers via telephone. Now, there are these follow-up mailed documents from other third party collectors on bearing of XXXX XXXX namely, " XXXX XXXX XXXX, XXXX among the multiple debtors whom I had previously disputed via FTC/FRCA. 

" XXXX XXXX XXXX '' " XXXX XXXX XXXX XXXX XXXX '' is another creditor whom I have been issued a unsecured card ; now appearing as a secure card. However, this credit solutions agent if XXXX XXXX is committing fraud. The scam is that while my card remains open ; it accumulates a " monthly late fee '' without any activities and I must pay that outstanding balance to remain in good standing. My last payment on a blocked card was on XX/XX/XXXX and my account was {$0.00}. In XX/XX/XXXX, I reactivated a new replacement card ; only to be faced with a balance of {$180.00} which includes next cycle of late fees. I have made a full payment of {$180.00} on XX/XX/XXXX. 


" ACS EDUCATION SERVICES '' has been erroneously listing my account status as ND=NO DATA and OK since the year XX/XX/XXXX. I had completed payment of my student loans and this account was closed in XX/XX/XXXX following a full year in good standing. I had contacted student consolidation loan center " ACS '' and spoke with a manager in upstate, NY on last year ( XX/XX/XXXX ) requesting that they should he should follow through on reporting the correct CLOSED date. He had not done so and XXXX reflects payment history and CLS=closure in XX/XX/XXXX as a result. I had not been utilizing education services with ACS as of XX/XX/XXXX.