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

Subject : Dispute of Inaccurate Reporting and Request for Validation Failure to Issue 1099-C Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint to dispute the inaccurate reporting of a collection account on my credit reports from Experian, Equifax, and TransUnion. The collection agency has failed to comply with federal regulations, including the Fair Credit Reporting Act ( FCRA ) and the Internal Revenue Code ( IRC ) 6050P, regarding the reporting and validation of this debt. 

Key Issues : Failure to Provide Accurate and Complete Information : The collection account in question was purchased by a third-party debt collector. 
The reported status and balance are incorrect and misleading. 
The collection agency has not disclosed how much they paid for the debt, which affects the accuracy of the reported amount. 
The account was settled for less than the original balance, yet the reported amount does not reflect this. 
Failure to Issue IRS Form 1099-C ( Cancellation of Debt ) : If a debt is canceled or forgiven for an amount of {$600.00} or more, the collection agency is required by law to issue a 1099-C tax form to the debtor.

The absence of this form suggests that the debt may no longer be legally enforceable or has been misrepresented in the reporting. 
FCRA Violations Incomplete and Unverifiable Reporting : The FCRA mandates that all information reported to consumer reporting agencies must be accurate, complete, and verifiable. 
The collection agency has not provided adequate validation of the debt or proof of ownership. 
The discrepancies and inconsistencies across my credit reports raise concerns about potential identity theft and erroneous reporting.
Product: Debt collection

While my bankruptcy is not discharged yet, my attorney has provided ProCollect with letters stating that the information they are showing on my credit report is incorrect and needs to be removed yet it is still showing. I recently contacted them personally and was told by XXXX that while they show it is in bankruptcy status on their side, it is still showing on my credit because I keep disputing it. I find this odd since I have disputed other items to credit reporting agencies and they were removed. I also never received any sort of letter from them with my rights.
Product: Debt collection

A company called Capio Partners is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$370.00} but I have never done business with them and I have never received any letters or notices from them. The account number on my credit is : " XXXX ''. I only found out there was an account on my credit report when I checked my credit recently and it was pointed out that I had a collection. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Accounts : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute an inaccurate address listed on my credit file. The following address is not associated with me and needs to be corrected promptly. 

Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX The proper address : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, IL XXXX Please investigate and rectify this error at your earliest convenience. Kindly provide written confirmation once the correction is made. Thank you for your swift attention to this matter.
Product: Credit reporting or other personal consumer reports

Dear HUNTINGTON MORTGAGE CO ; I was shocked when I reviewed my credit report and found late payment on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or when i was facing some XXXX XXXX emergencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a request to investigate the following entities : XXXX, XXXX and XXXX for unfair and inaccurate and frivolous credit reporting methods and for lack of response ; and XXXX and Diversified Consultants, Inc. for reporting frivolous and inaccurate information with the intent to profit. 
On XX/XX/16, I disputed XXXX XXXX alleged " {$850.00} '' debt reported by Diversified Consultants to the 3 Credit Bureaus, and requested a " detail statement '' from XXXX in connection to the alleged debt. XXXX responded by saying that the XXXX XXXX debt was " reported correctly, '' by Diversified Consultants.

Diversified Consultants and XXXX have never provided a detail statement of the charges because the debt is frivolous with the intent to profit by using my credit record as a hostage until the frivolous debt is paid. 
The enclosed supporting documentation is proof that no monies are owed to XXXX/Diversified. It also shows that while XXXX was servicing my cells, XXXX continue to charge for a service not being provided. I contacted XXXX by certified mails, e-mails, phone conversation, in person without any success or response. 
It is my position that XXXX and Diversified Consultants, Inc. have not proved the alleged debt is valid. Therefore, I request that you investigate and have this frivolous debt removed from my credit history in the three ( 3 ) Credit Bureaus.
Product: Credit card

I applied for Bank of America XXXX XXXX XXXX XXXX in XX/XX/year>. During the process, Bank of America requested me to remove the freeze I placed on my Credit File with XXXX XXXX XXXX XXXX. I called Bank of America and spoke to Bank Representative to inform her that I removed the freeze as requested. She informed me to hold until she gets my credit report to review and to make a decision. She did and then came back to inform me that my application was approved and a credit limit of $ XXXX was established under my account and I should be receiving my New XXXX within XXXX days. 
The New Credit Card never came and then, I received a letter from Bank of America ( See Attachment ) that they needed additional information from me to finish the review of my application. 
That is not a Fair Credit Process nor an Acceptable Business Practice that after approving an application and setting the credit limit and then, informing me that my application was approved for a $ XXXX credit limit, for Bank of America to unfairly add additional hardship on me as a XXXX XXXX and request additional information which they did not even communicated to me at the time of approving my application. 
This act from Bank of America is not right and it is not in accordance with the Equal Credit Opportunity Act and especially, for XXXX XXXX. Bank of America should not put additional hardships on XXXX XXXX. As of today, I have not received my Approved New XXXX from Bank of America.
Product: Student loan

Over the course of the last year and a half, I have made multiple requests with instructions of how I want my payments to be applied. They continually disregarded these requests, resulting in me paying more in interest. 

In addition, the website is constantly being updated, I receive notifications with little explanation of what they mean and they are constantly changing the process.
Product: Checking or savings account

Hello, I contacted Huntington bank about closing my account and I am told I need to go into a branch to close the account. However the nearest branch is over 70 miles away which is an unreasonable distance to go just to close a checking account.
Product: Credit reporting or other personal consumer reports

I can't the web sute t take a password. i have change it multiple times. 

i can't get anyone in customer service, repeatedmy info numerous times. 
went on social media, keep wnting my info go in circles. can't get customer service, phone system not working, no call back, going on for weeks., keep blaming me, i put the code in right, its the system. very XXXX  seervice, impossilbe phone system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Debt collection

After sending a Notarized Affidavit of Validity, Midland Funding failed to verify this alleged debt. This company is furnishing deceptive information and forms pursuant to 15 U.S.C 1692j on me a Natural Person whos Federally Protected. I am a Consumer whos never authorized nor autographed any agreements with midland funding, Which is a clear indication of Aggravated Identity Theft according to 18 U.S.C. 1028A. This company is violating my consumer rights and reporting false and misleading information and representation 15 U.S.C. 1692e of an alleged debt.
Product: Mortgage

Truist can not properly process loan payments made to accounts formerly originated by Suntrust bank after merging the accounts when the acquisition of Suntrust was complete. Truist created XXXX loan numbers for a single HELOC after the conversion. I have made payments to the published address and account number per Truist 's monthly account statements. The balance of this loan is being tracked on the subordinate account number, but Truist can not apply payments properly. I have called every month for the past XXXX months to correct the billing statements. 

Each month a different Truist representative has given me different instructions on how to get their system to properly apply my payments. Each month payments are applied differently even if the check is identical to the previous month. Now, I am receiving letters stating my account is past due even though I have the cashed/cancelled checks proving the payments were made on time. Truist 's collection department is calling my home after business hours demending payment even though I expressly prohibited the bank from calling my home or cell phone after the sixth call attempting to fix the payment processing issue. The collection agents are not verifying my credentials and are demanding payment creating a concern of identity theft. The debt XXXX are from overseas locations, and they will not address my issue, refuse to acknowledge my cancelled checks, and state the payments have been voided by Truist. 

I have made my {$390.00} payment due on the twelve of every month per the terms of the loan agreement. Truist typically cashes the checks which clear my checking account on or before the XXXX of each month. I must call the customer service number on the statement to address the issue after it is received around the XXXX of each month. 

Truist is violating the FCRA by not properly providing accurate balance information on monthly statements, and refusing to address the issue causing the payments from being applied to my principal is its conversion from Suntrust 's loan accounting system to Truist 's. 

For the record, I have made every payment per the loan agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

See attachment detailing fraudulent accounts on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  Account number XXXX XXXX  Account XXXX Closed Date opened XX/XX/XXXX has violated rights of privacy. 15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting agency can not furnish an account without my written instructions. 

This account is also reporting as revolving. It is more than 7 years on my reports.
Product: Debt collection

XXXX XXXX keeps calling me about a debt to landlord, claiming it was damage to a house beyond the deposit amount. I never had this person as a landlord, nor lived at the address they said I lived at, at any point in my life. I can prove this using signed lease agreements, utility bills and account records, and IRS records. They are also more than welcome to call my previous landlords to confirm I was renting their house during the time I was supposedly living in this made-up house. I keep telling them this, but they either hang up on me when I fight back, or threaten to sue me for this money that I do not owe or threaten to report me to credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, MI XXXX XXXX XXXX Balance : {$730.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$2600.00}, MI XXXX XXXX XXXX Balance : {$6500.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I Looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit.it is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item Im asking you to verify as accurate : Account XXXX : XXXX Account XXXX XXXX
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 Date opened XX/XX/XXXX Balance {$0.00} late XXXX days XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX XXXXChargeoff XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance XXXX XXXXChargeoff XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance XXXX XXXX-Chargeoff XXXX XXXX  Date opened XX/XX/XXXX Balance -Chargeoff XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX XXXXChargeoff XXXX XXXX XXXX Original creditor : XXXX XXXX. XXXX Date opened XXXX XXXX, XXXX Balance {$4300.00}
Product: Checking or savings account

I opened an account with Wells Fargo 2 weeks ago using MY DRIVERS LICENSE and they used my physical address on there to open the account. I asked my mail to be forwarded to a PO BOX on a military base and they discriminated against me and lied to their bosses and told them I never had a physical address. ATTACHED is my DRIVERS LICENSE that proves they in fact did receive but chose to ignore it in order to deny me membership at their bank. Also attached is the letter they sent to lie and try to confuse me from the fact that they did lie and ignore my DRIVERS License address. The rep said it with his own mouth. I can use your physical address for the account and your P.O. Box on the base as your mailing address while you are temporarily here. He then told the XXXX woman something entirely different and they refused to fix it when I went into the branch and told them the mistake they made. The woman with XXXX was XXXX XXXX XXXX and tried to insult me for no reason telling me that I didnt belong at their bank.
Product: Credit reporting or other personal consumer reports

I requested an investigation regarding this XXXX account in the amount of {$640.00} and informed the company that I did not open this account and it was not mine. But they instead sent to collections and reported the fraudulent account it again on my credit report.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that XXXX XXXX XXXX XXXX added a collection charge off account on my credit report in the amount of {$4300.00}. The company stated the original creditor is XXXX XXXX XXXX. I immediately contacted the company and told them I never was allowed to secure a lease and this account should not be on my credit report. Upon contacting XXXX XXXX XXXX XXXX I was told that they would investigate this matter and remove it from my credit report. However XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX refuse to remove this fraudulent account from my credit report even though I provided them the e-mail denying me a lease.This fraudulent information is causing irreparable damage to my credit file and will affect my ability to obtain credit in the future. Im asking that this account be blocked from my credit file until a proper investigation is done to prove the validity of this account in accordance with FCRA 605B ( 15U.S.C. 1681c-2 ). Failure to do so will leave me with no other choice than to report your agency to the state attorney general and seek civil penalties for not being in compliance with consumer protection laws. I have also uploaded a copy of my FTC identity theft report. I sincerely thank you for your prompt attention to this matter. I filed a fraud dispute with Experian and XXXX who has refused to block this account from my credit file even though XXXX did so within 24 hours of receiving my dispute. I also tried to contact Experian over the phone and their telephonic process makes it impossible to speak with a person. After submitting my dispute electronically through their website I received a response in 24 hours that the account would remain on my credit report with no explanation. Experian also did not provide me with a signed contract or proof of this account. According to 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.