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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. Please remove the following fraudulent accounts from my credit report : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX As required by XXXX5 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts on my credit report do not appear to be mine
Product: Credit reporting or other personal consumer reports

Inaccuracy of Reporting** : The primary reason for my dispute is that multiple charge-offs for the same debt are inaccurate. According to the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate information. Once an account is charged off, it can not be charged off again for the same debt.

2. **Violation of the Fair Credit Reporting Act** : Under Section 623 ( a ) ( 1 ) ( A ) of the FCRA, creditors must provide accurate information to credit reporting agencies. Reporting multiple charge-offs for the same debt misrepresents my credit history and can unfairly impact my credit score
Product: Debt collection

The company keeps calling my cellphone and home phone at least oncea day, despite me telling them they have the wrong number. I am fully aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ), Omnipoint has blatantly disregarded these regulations by engaging in relentless and unwarranted communication tactics. I believe that Omnipoint 's actions constitute a clear violation of my rights under the FDCPA, which prohibits debt collectors from engaging in abusive, deceptive, or unfair practices. Their relentless pursuit of contact despite my explicit instructions demonstrates a blatant disregard for the law and a lack of respect for consumer rights.
Product: Debt collection

I switched internet and cable television providers and ended up having a final bill that was owed to XXXX XXXX XXXX. After transitioning to the new service provider and automating the payments for the new account the outstanding bill for XXXX XXXX XXXX was no longer set up for payment. 

I was not made aware of the outstanding balance until I recently began looking at my credit report for a home purchase that we're trying to make and it showed a collections account for {$91.00} from XXXX XXXX XXXX and is reporting negatively on my report. 

I contacted Diversified Consultant to see what was going on. I asked them if they could provide some proof of attempts to contact me regarding the debt but they were unwilling to help repeating there company line " it was an attempt to collect a debt and they could only take payment for the debt ''. I requested a supervisor asking them to please remove the reporting to the bureaus because they had not adequately done their due diligence in trying to collect the debt before hand. 

I am happy to resolve this but I am not happy about {$90.00} effecting my credit score and the arbitrary practices of XXXX XXXX XXXX and Diversified that are preventing me from securing the financial benefits that I need to help build my financial future. Please help anyway you can to get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Consumer Statements on these credit files I have requested for them to be removed along with the fraud alerts from my credit file in XXXX XXXX with XXXX, Experian and XXXX. and they have never been removed. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING ANACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT XXXX XXXX XXXX XXXX INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. XXXX XXXX ALERT : I AM CURRENTLY ON XXXX XXXX XXXX  DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS ALERT WILL BE MAINTAINED ON FILE FOR 1 YEAR BEGINNING XXXX. 

XXXX : XXXX XXXX ALERT. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CELLULAR XXXX CELLULAR XXXX
Product: Checking or savings account

On XX/XX/2023 I requested a ACH money transfer to a outside bank account but the money was never deposited into the outside bank account and every time I call about the transaction I am told that the money was transferred but my outside bank account said that they never received the ACH deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX credit card XXXX to report a Fraud on my account. After reporting fraud and requesting a new card, I noticed on their website that they updated my balance to zero. 

They closed my account, deleted all credit statements from my online profile, and reported, without my knowledge, a high balance on my card to three credit bureaus. 

The negligent and incorrect reporting affected my credit score and damaged my credit reputation. This erroneous action and the confusing online portal harmed my credit. 

This message serves as a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 Sec. 809 ( b ) that your reporting to credit bureaus is disputed validation, before reporting you MUST validate charges. 

The law is clear regarding the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA. 

I demand the immediate correction of the information posted in three credit bureaus.
Product: Debt collection

Debit is listed under my dads name. XXXX XXXX 1- XXXX was my dad 2. XXXX died on XX/XX/XXXX 3 notification from national recovery advises XXXX that he owes XXXX  as of XX/XX/XXXX. He died on XX/XX/XXXX. 
4- national recovery reported on my credit report. My name is XXXX XXXX. I am not XXXX XXXX 5- as his daughter I dont inherit his debt. Although Ive tried to clear it up, but national recovery must submit reliable documentation of correct amount of debt. They have failed to do so. 
6- national recovery reports on credit report that XXXX owes {$440.00} 7- Ive asked national recovery to justify the amount owed, to no avail. 
8- I dont quite understand how the credit reporting agencies can place such a derogatory action on a consumers file without verifying the validity of the debt and the person that owes the debt. This is a serious abuse of power on the credit reporting agencies. 
Once again, my name is XXXX XXXX XXXX XXXX. XXXX Please advise. I have all documents available to substantiate my claim.
Product: Bank account or service

Bank of America closed my accounts without my knowledge and has not sent out my money as promised. It has been since XXXX 2014. I had a business account : XXXX XXXX XXXX and a personal account. They owe me {$500.00} of my money which was never returned. I keep getting the run around from this bank. They claimed they sent out cashiers checks on XXXX occasions. It does n't take 6 months to receive a cashiers check. Please help me get my {$500.00} back! It was closed because of XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

While My wife and I were trying to make an offer to buy a XXXX at XXXX XXXX of South Carolina. Our realtor advised us to get a mortgage pre-qualification letter from a lender. He recommended United bank to get the mortgage from so weve filled an application on XX/XX/2022. The bank sent us an email to inform that our loan was denied due to low credit score of XXXX. 
I asked for the credit report to see our overall score which were XXXX, XXXX, XXXX for my wife and XXXX. XXXX for myself. 
I communicated with XXXX XXXX and XXXX XXXX from United bank to explain that my XXXX refused to pay some of my medical lab bills therefore the small debit amount appeared on my credit report. I informed the bank that I am willing to pay that debit if the bank will reconsider evaluating my loan application accordingly. For fairness the lender shouldnt take the lowest score out of five scores as a reason to deny our loan and kill our dream to buy the condo. 
We believe the Gentlemen did not promote the equal lending opportunity act. 
Attached some of our correspondence email
Product: Credit reporting or other personal consumer reports

Subject : Request for 1099-C for Canceled Debt I am requesting a 1099-C ( Cancellation of Debt ) form for an account that was charged off. The XXXX XXXX account in question was written off as uncollectible, but I have not received the 1099-C form, which I need for tax purposes and to address an ongoing legal issue. 

Account Information : The XXXX XXXX account was charged off and written off as of XX/XX/year>. The balance at the time of charge-off was approximately {$5100.00} Actions Taken : I have reviewed my records and confirmed that I did not receive the 1099-C form from the creditor. I am currently involved in a third-party lawsuit related to this account and require the 1099-C for tax reporting and legal purposes.I request that the 1099-C be provided as soon as possible so I can address the legal and financial implications of this matter.
Product: Vehicle loan or lease

I purchased a new XXXX XXXXXXXX XXXX XXXX in XX/XX/2017. The credit union I was going to use for financing can not lend on new cars out of dealerships in AZ, I live in CA. So, I essentially had to use Toyota Financial as my lender. 

I love the car and intend to keep it for years to come. I am also happy with the terms of the loan for the most part and planned to pay it until it was paid off. 

For reference, I have a perfect credit history including paying a XXXX mortgage on time each month plus XXXXmonth extra towards principal. I actually own a mortgage bank called XXXX XXXX and understand the importance of credit very well. I love helping educate people on improving their credit. 

In XX/XX/XXXX, out of the blue, Toyota Financial reported a 30 day late on my account to all 3 credit bureaus. Up to that time, I had been trying to setup an automatic payment draft for this account. I talked to Toyota about this many, many times. I kept raising my hand asking how to do this and was never properly shown. At many points, I actually was under the impression that I'd set it up correctly while on phone with Toyota. During the time in which I was under the impression that I was on the auto pay, my due payment was not drafted and I was then charged with a 30 day late. 

As soon as I was alerted of this ( by XXXX XXXX ), I immediately made the payment and called Toyota. 

Toyota essentially admits no fault or responsibility on their end. I pleaded with them for almost an hour trying understand their perspective in the manner, while trying to explain mine. 

My credit history confirms that I consistently pay my bills. Why would I choose not to pay this one? All of my accounts are on auto draft, why wouldn't I want this one on auto draft? 

I wish for Toyota to admit that they didn't adequately help me get into auto draft, when I called asked them to do this many, many times. Their customer service was so poor, that I actually thought I was in auto draft when I wasn't. That is why I have a 30 day late. 

I have since successfully enrolled in auto draft finally and continue to pay the account on time, just like all of my other accounts. 

I am so frustrated and feel like they won't listen to me. 

Please help get this 30 day late off my credit. My wife and I were going to refinance our home this fall, but if this 30 day late is still on my credit, we won't be able to. This is literally freaking me out and affecting my family - because Toyota didn't properly help me when I was asking for it. 

Please help. 

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

My rights under the FCRA are being violated. Not only are these accounts not mine. I have not supplied proof under the doctrine of estopple by silence Englehardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Not only that but section 15 UCS 1681 ( 2 ) excludes the reporting of the transactions with corporations.

as my right under federal law.

Under 15 USC 1681 ( a ) congress defines a consumer report as the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for.. 
Understand that by this law, XXXX is included because you provide this consumer report and you are a consumer reporting agency! Under 15 USC 1681 ( 2 ), it also mentions exclusions pertaining to consumer reporting. I am quoting directly from congress so understand that your reporting is a federal violation based on laws put in place by congress.

15 USC 1681 ( 2 ) i excludes the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report. 
The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
All of the companies listed below are CORPORATIONS as defined by congress as a person Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW! You are in direct breach of the federal laws put in place to protect the consumer.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. And You are violating my rights! by reporting these accounts on my report I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose.
Product: Checking or savings account

On XX/XX/XXXX, I opened Key XXXX XXXX  account # XXXX. KeyBank was offering a bonus of {$200.00} when you open a new eligible XXXX account and complete the following requirements : Use offer code XXXX Receive a single direct deposit of $ XXXX On XX/XX/XXXX, I received a qualifying direct deposit from my employer. 

In early XXXX, I reached out via online chat and I was informed that I would need to wait 90 days for the bonus to post. 

On XX/XX/XXXX, I reached out again via chat because the bonus did not post in XXXX as promised. I spoke with XXXX who offered to put in a request to the back office, but I never heard from the company after that. 


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

XXXX, Transunion and XXXX have failed to respond to my disputes about accounts that are reporting on my credit report that does not belong. I WROTE THESE COMPANIES ON 3 DIFFERENT OCCASION. THEY ARE VIOLATING MY RIGHTS BY REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX  | XX/XX/XXXX : Account number : XXXX Update this account quickly. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX : Account number : Name, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX  | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX  | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX  | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX  : Account number : XXXX, Update this account quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX  | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX XX/XX/XXXX : Account number : XXXX U

pdate this account quickly. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I tried to get a personal loan with XXXX XXXX they cant pull my report, I called eguilfax says they need to use middle initial still didnt work called again 6 times all differnt answers no fraud alert no block tou have 2 credit files another says three give them pic my drivers license ss and made report XXXX semp and faxed documents said fixed and still isnt I cant get a loan a mortgage nothing send another fax today please help me
Product: Mortgage

I 'm in a 30 year fixed rate loan with Nationstar mortgage. For the last few years the payments have been relatively similar. Suddenly my statement indicates that my monthly payment will be going up by almost {$400.00} per month. I called them to see if I could get some explanation and was told that my escrow was short due to an increase in my property taxes or insurance. I asked them to tell me what had gone up and was told I would be transferred to the escrow department. I waited on hold for 45 minutes to an hour and just got the same recorded message over and over ; " they are experiencing a high volume of calls at this time, please continue to hold ''. I believe I was deliberately blown off so that I would hang up in frustration as it appears there are many people who have had a similar experience with Nationstar. I just want to talk to somebody in the escrow department to find out the reason for the sudden increase in my monthly payment, and to talk about other options for my home owners insurance ( if it turns out that this is the reason, as I suspect it is ), but I do not feel that they are being honest with me. I find it ironic that while I was on " hold " with the escrow department and never able to talk to anyone, Nationstar was still able to leave an automated message on my cell phone to let me know that they " urgently need to talk to me about my account ''. I would really appreciate any help I can get to deal with these clowns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BKPT CT XXXX XXXX XXXX US BKPT CT XXXX XXXX XXXX
Product: Prepaid card

I bought my Amex Gift Card, Loaded it {$500.00}, Activated it and kept it save, not until its time to make use of my card for online purchase and it kept declining, not until I spoke with an Amex customer care representative and I was confirmed that the card has been charged for {$490.00} without my consent. Please I need help with my money cuz Amex is not really Helping, thanks