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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX, IA XXXX Subject : Dispute Regarding XXXX XXXX Account # XXXX Dear Sir/Madam, I am writing to formally dispute the reporting of an account with XXXXXXXX XXXX XXXX Account # XXXX XXXX on my credit report. I believe the information being reported is inaccurate and requires immediate correction and/or removal. 

Details of the Dispute : Charge-Off and Balance Reporting : The account is reported as " charged off '' with a balance of {$830.00}. However, it is my understanding that once an account is charged off, the balance should no longer be reported as due. The fact that the charge-off is recorded and the balance remains listed appears to be contradictory and misleading. 

Failure to Provide IRS Form 1099-C : To my knowledge, I have not received an IRS Form 1099-C from XXXXXXXX XXXX to indicate that the debt was canceled or written off. If the debt has been charged off and canceled, the appropriate documentation should have been issued. 

Account Age and Statute of Limitations : This account was opened on XX/XX/XXXX and is now over seven ( 7 ) years old. According to the Fair Credit Reporting Act ( FCRA ), negative accounts such as this should no longer appear on my credit report once they are past the reporting period allowed by law. 

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

I sent a validation cease and desist to the collections company 's ( XXXX XXXX XXXX XXXX XXXX XXXX  ) providing them with the dispute letters asking for a validation letter as well as an ASSIGNMENT CONTRACT which I have not received. I filled a CFPB complaint however nothing was done about it. This unfortunate situation is keeping me from living my life it's creating a strain on my everyday life and mental health.
Product: Debt collection

Incident : A friend borrowed my vehicle, got in a high-speed chase with the cops, and abandoned the vehicle. It was then towed and stored at a tow yard. My boyfriend of fifteen years literally passed away two hours prior to me getting a call from the police department. I went to the tow yard, retrieved items from the car, and told the tow yard they can have the car. They assured me there would not be fees. On XX/XX/2020, I was contacted by a representative from Pacific Retrieval Debt. Collector. Upon speaking with the first rep. I explained the situation and informed him that I did not owe what they thought I owed. I informed him that I was going to call the tow yard and speak to them. He then transferred me to a " Supervisor '' who I do not believe is a supervisor as he presented to have the maturity of a fowl mouth immature XXXX-year-old boy. However, that is what this man claimed to be. When I repeated the same thing I said to the first rep, that I was calling the tow yard. He literally threw a fit. Yelled at me stating, " We are going to sure the ***** out of you, you loser, white trash. '' Now, I am not a lawyer. But, I do attend paralegal school and even if I didn't everyone knows that abuse is against the law under the FDCPA Act. And I intend on pressing the issue. I called back and was laughed at by a rep who answered the phone. I am not sure where this company gains their employees. But, I can assure none of them have an education or experience in customer service. I will be contacting an attorney friend to see if he can contact other victims of abuse from this company and file a class-action lawsuit and hopefully put them out of business. The reviews on XXXX re : this company backs my claim.
Product: Student loan

I first noticed 90-day delinquency on my credit report- reported on XX/XX/XXXX for XX/XX/XXXX. I paid the past due balance on XX/XX/XXXX to quickly remedy the issue and prevent any more delinquency reporting to my credit. I called customer service several times after making the payment to understand how this was the case. After a couple weeks of reviewing email communication ( they never mail me anything ) and comparing it to the correspondence uploaded onto my online Navient account. There are SEVERAL documents that they are claiming that they have sent to my address, but I can assure these documents were neither mailed, nor emailed to me. The uploaded documents only show that a letter was generated, but does not show any proof that it was truly mailed. One document I was specifically looking for was a notice that my deferment was ending. My deferment was approved until XXXX, I did not receive any correspondence stating the deferment has ended sooner than XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit Cards Ending In : XXXX & XXXX XXXX XXXX XXXX Cards Ending In : XXXX & XXXX XXXX XXXXXXXX XXXX Card Ending In : XXXX There is no balance owed on any of my credit cards by any bank as showing by Credit Bureaus
Product: Credit card or prepaid card

hi im XXXX XXXX discover charge me unnecessary fee on my credit card i try to make a payment the payment was successful after they charge me unknown fee now i need to take a loan i cant because they make bad report on my credit i need help soon as possible my number is XXXX
Product: Credit reporting or other personal consumer reports

I continue to ask for proof as part of the dispute process of late payments that are being reported on credit profile. Instead of sending the proof, the disputed months become " unknown '' while other months that were report without incident " ok '' then receives late comments.
Product: Debt collection

I am requesting that AMSHER COLLECTION SERVICES immediately remove the inaccurate entry associated with account number XXXX from my credit report. The information regarding the highest balance of {$480.00} is incorrect, and I was never notified of any updates, changes, or overdue payments as required by the Fair Credit Reporting Act ( FCRA ). 

In addition to removing the incorrect information, I request that AMSHER COLLECTION SERVICES provide written confirmation that this information has been corrected and removed from my credit file. If the account can not be verified as accurate, I expect that it be deleted entirely from my credit report. 

Please note that this resolution aligns with my rights under the Fair Credit Reporting Act, which mandates that only accurate information be reported, and proper notification be provided in case of any updates. I look forward to a prompt and fair resolution to this matter.
Product: Credit reporting or other personal consumer reports

This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inaccurate accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX Balance : {$8600.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$5700.00} XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Debt collection

ARS collections purchased a debt without my implicit authorization or my knowledge. They also illegally remanufactured and repackaged said debt under various accounts advertised against me on my credit reports without my consent. Even after execution of cease and desist order they continued to enforce the collection of debt by mailing notifications and releasing my data to credit bureaus. This attempt to collect a debt without a valid court order is illegal.
Product: Credit card

Recieved a letter in the mail today about my Lowes card closing, I called because I was concerned the letter stated it was closed due to Restriction placed on the account for suspected unauthorized activity and Subsequent inactivity on the account. The first rep I spoke to told me that my account was closed because of info they recieved from the credit bureaus. I asked if it was closed due to inactivity also because the letter stated so and she said no and I replied ok that would be odd if you closed my account in under a year as I used my card almost a year ago XX/XX/2023 and planned to make a purchase at lowes in the next 2 weeks. I asked if I could have more info on the suspected unauthorized use. I was transfered to a senior account rep and was told it wasnt for that it was for inactivity. I asked for the accoun to be reinstated and was told I would have to reapply lowing my credit score. Even though there is no offical rule stating they have to wait a year, and nothing will probably come from this complaint I just want it noted by the CFPB. This may be credit card giants reducing their customers due to the recent " CFPB Bans Excessive Credit Card Late Fees, Lowers Typical Fee from {$32.00} to {$8.00} for issuer over a XXXX accounts. '' Complaint filed mainly to document for CFPB future investigations and or fines for like issues. I have excellent credit XXXX and make over $ XXXX a year
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my bill online every month with a the company and they always show that they receive my payment however, one time I received notice 30 days after i paid them that they never received the payment even when the website says they did. This has caused a 30 day late pay to show up on my report by no fault of my own.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf regarding late payments on my credit record. Upon reviewing my credit report, I discovered the presence of these late payments. Despite sending letters over 30 days ago, I have not received a response, and the creditor has failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. have/ has violated my rights. 

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 Also states a consumer reporting agency can not furnish my account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I notified the 3 credit bureaus of fraudulent activities on my credit report and have been ignored. I've complied with what they asked of me. I consulted an Attorney that advised me, if I find a discrepancy and the credit bureaus willfully ignores your request to delete the error, you can recover the greater of your damages or {$2500.00}. My next step in filing for damages.
Product: Credit reporting

XXXX XXXX XXXX is not being reported correctly again. The date the account allegedly was opened is confusing and looks to be in error. The application was signed XXXX/XXXX/XXXX however they are alleging the account was opened XXXX/XXXX/XXXX. The full payment history including all of the credit card statements were not submitted as per XXXX XXXX. The billing practices are in question now, due to not giving full disclosure on the biling and the payment history which was also requested with Case XXXX.Where is the proof that they confirmed the open date of the account. There all sorts of inaccuracies and incomplete items regarding the reporting. The credit bureau indicates the account was opened on XXXX/XXXX/XXXX. For all of XXXX up to XXXX XXXX how can I assume the reporting was done properly and correctly. 
Experian is not PROPERLY reporting the date the account was opened
Product: Credit reporting or other personal consumer reports

Prior Investigation XXXX CFPB COMPLAINT XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPLE you Equifax have violated me once again i pulled my credit report this week, and seen that you ( equifax ) have reported again charge offs, which is that has been discharged, and you did a tax write-off. 
These are again the accounts that are Charged off and hindering my financial health are listed below, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Companies violating any of the U.S. codes in the FCRA are entitled to actual damages and monetary compensation. 
I have seen No action on your end Equifax of removing these accounts nor even responding to my CFPB complaint it has been more than 30 days. A considerably long time. I am seeking counsel in the matters of you violating my consumer rights including violated FCRA 15 USC 1681eb on top of commiting tax fraud Thank you XXXX
Product: Credit reporting or other personal consumer reports

This is my formal notice of dispute for this item that is not 100 % accurate and also is incomplete. My information has been misused and has led to this item appearing on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION.
Product: Credit reporting or other personal consumer reports

Accurate Reporting ( 15 U.S.C. 1681s-2 ) : The FCRA requires that all information reported to credit bureaus be accurate and complete. If a charge-off shows an incorrect balance or omits critical information ( such as ongoing litigation ), this may be a violation of the FCRA. Creditors and debt collectors must update credit reports to reflect any changes, including account status due to litigation.

Duty to Correct Inaccuracies ( 15 U.S.C. 1681i ) : Once an inaccuracy is disputed, the credit reporting agency and the furnisher ( creditor or collector ) are required to investigate and correct any inaccurate or incomplete information. Failing to do so violates the FCRA.

2. Fair Debt Collection Practices Act ( FDCPA ) False or Misleading Representation ( 15 U.S.C. 1692e ) : If the account is under litigation, reporting a balance without disclosing the status or inaccurately inflating the balance could be considered a misleading representation under the FDCPA. The law prohibits debt collectors from providing false or misleading information about the status or amount of a debt.

Unfair Practices ( 15 U.S.C. 1692f ) : Reporting a debt inaccurately or misleadingly during ongoing litigation can be seen as an unfair practice, as it may harm your credit score and make the debt appear worse than it is. 


XXXX XXXX  and XXXX XXXX are reporting account open and with a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently found out someone broke into my mom 's house early last year and stole all my personal information along with my sisters and brothers. my information along with XXXX of my sisters is being used and we don't know who it is but they have gotten loans and other items under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXXL XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance XXXX : {$10000.00} XXXX XXXX Balance Owed : {$580.00} XXXX XXXX  XXXX Balance Owed : {$6500.00} XXXX  XXXX Balance Owed : {$380.00} XXXX XXXX Balance Owed : {$460.00} XXXX-XXXX XXXX XXXX Owed : {$880.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Consumer Loan

I defaulted on a loan with OMNI Financial around 2013. It was a military loan where they take out a monthly allotment. The value of the loan was probably around {$4000.00} at the time of default. Now they charge me an unfair late fee of {$180.00} a month which over 3 years has now become over a {$13000.00} debt. I believe this is ridiculous and unfair for the service member to even attempt to repay. I would be more than happy to settle the loan at the original amount but I m not willing to give into this crazy markup of late fee 's. I Do not know if it is even legal for them to charge an 80 % interest rate on the loan and than add a 50 % mark up on the payment. Thank you for your time and assistance.
Product: Credit card or prepaid card

On XX/XX/2019 my bank issued two checks to pay off two credit cards to Sears Mastercard. They were over nighted and received by the company on XX/XX/XXXX, they checked cleared my bank on XX/XX/2019. These are cashiers checks issued from my bank from a home equity loan I was approved for. The bank sent a letter and the checks together in one envelope. I started to enquirer on XX/XX/XXXX as to why I still getting calls that Im delinquent in my payment for these credit cards. On XX/XX/XXXX I was finally told that not enough information to identify my account number was put in the checks. I then faxed over a payment stub for the one account with my full 16 credit card number. This check is for XXXX and I was told it should take 3 to 5 business days for this case. On XX/XX/XXXX I faxed over the other payment stub for my other account in the amount of {$4600.00}. I then called again that Thursday and still nothing and then Friday XX/XX/XXXX I was told I needed the endorsed part of the cashiers check to be faxed over to them so they can see that they did cash the checks. My bank did fax over that information on XX/XX/XXXX. I called today XX/XX/XXXX and the billing person said that she saw the case open on the XXXX. I questioned her because I was told it was open on the XXXX. And then she asked if it was one check for XXXX and I told her no it was 2 different checks equaling over XXXX dollars. I feel that no one has taken responsibility of my case. I get a different person all the time with no direct line to call to ask how things are going. They keep calling me wanting a payment so obviously they are not reading my notes or notifying them that I have a pending payment case. And I am adding up interest fees and late charges and its hurting my credit score. This isnt a small amount of money we are dealing with. I dont understand why they cant see the amounts of the checks to the penny that was cashed in the XXXX and credit my accounts. I am frustrated and feel I am getting the run around. This is sears MasterCard that is backed by citi bank the cashier check # XXXX for amount of XXXX for card number XXXX cashier check # XXXX for {$6200.00} for card number XXXX
Product: Credit reporting or other personal consumer reports

Hello, I just ran my credit report and found that there are XXXX XXXX on my TransUnion credit report that do not belong to me. The personal information doesn't even match. I don't have these XXXX 's on my XXXX or XXXX credit report. Please remove them from my credit report. I prefer to send this letter to have them removed, if they are not then I will hire legal counsel and have them take this up with TransUnion.
Product: Mortgage

A letter mailed from XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, VA dated XX/XX/2022, indicated my mortgage loan was being transferred to Carrington Mortgage Services, XXXX, IN as of XX/XX/2022. I have not received any communications from Carrington Mortgage Services on my transferred loan, nor has my automated payment been paid. 

As I understand, I should have been given a 30 day notice of the sold loan and Carrington Mortgage should have communicated with me on about my payment options. With all the junk mail I receive to refinance my mortgage, I am leery of sending a mortgage payment to a company I have had not communications with or a valid account number. 

Doesn't the new mortgage servicing provider have requirements to notify me of my mortgage rights and responsibility for payment? 

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

Dear Equifax : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.