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

I am writing to formally dispute the inaccurate reporting of a collection account from XXXX XXXX XXXX on my credit report with Experian. This account, allegedly associated with the original creditor XXXX XXXX XXXX XXXXI, is entirely fraudulent and erroneous. I have never had any financial relationship or account with XXXX XXXX XXXX XXXX that could validate the {$1000.00} balance reported by XXXX XXXX XXXX. Fully dispute this entire collection by XXXX XXXX XXXX being reported and the XX/XX/year>, updated balance, all transaction history, and account activities. The collection account lists a balance of {$1000.00}, which is entirely baseless, as there is no corresponding charge-off, closed, or open account on my credit report that could justify this balance. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. The presence of this inaccurate information on my credit report constitutes a direct violation of this statute. Furthermore, 15 U.S.C. 1681i ( a ) mandates that upon notice of a dispute, the consumer reporting agency must conduct a reasonable investigation to determine whether the disputed information is inaccurate. Given that this account is not mine and has no factual basis, its continued presence on my credit report represents a willful disregard for these legal obligations. Additionally, under 15 U.S.C. 1692e of the Fair Debt Collection Practices Act ( FDCPA ), it is prohibited to use any false, deceptive, or misleading representation in connection with the collection of any debt. XXXX XXXX XXXX ' reporting of this account constitutes a violation of this provision. The fact that this inaccurate information is still on my credit report also raises concerns under 15 U.S.C. 1681s-2 ( b ), which requires furnishers of information to promptly correct and update inaccurate information they have provided to credit reporting agencies. By failing to correct this erroneous information, both the furnisher and the credit reporting agency are in violation of the law. Furthermore, 15 U.S.C. 1681n and 1681o allow for civil liability in cases where there has been a willful or negligent noncompliance with the FCRA. This includes the possibility of recovering damages for actual harm, statutory damages, and even punitive damages in cases of willful violations. I demand the immediate deletion of this inaccurate and unverifiable account from my credit report, as required by law. The continued reporting of this false information is not only illegal but damaging to my credit standing. I expect confirmation of the removal of this erroneous account immediately, as mandated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Please consider this dispute urgent and address it with the seriousness it demands.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account XXXX Creditor Name : XXXX XXXX XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX XXXX XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the XXXX pandemic, I applied for and was approved for a financial relief program provided by XXXXXXXX XXXX XXXX XXXX XXXX Under the XXXX XXXX, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by [ Creditor Name ] about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXXXXXX XXXX XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

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

I just speeded both of this with XXXX as well as TransUnion they're showing for folio management company that is still as I open collection amount with a XXXX balance I've requested them to remove it because it was paid in full and satisfied now they're telling me that the company responded back saying this company this is a correct amount and it will stay in your credit report if it's paid in full and no longer active it should no longer be reported on my credit to hurt my credit in order to obtain other items cuz it's showing as an open collection or if it shows other clothes collection is still needs to be removed from my collection credit report for both Transunion and Equifax
Product: Prepaid card

I was given two American Express gift cards, the expiration was XX/XX/20. Law states that gift cards are valid for a period of 5 years. I called American Express and the say that since the cards are expired, they are no longer valid. I asked them how they could basically steal money from the person that gifted me the cards, and they had no answer.
Product: Credit reporting or other personal consumer reports

I never authorized inquires 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
Product: Credit reporting, credit repair services, or other personal consumer reports

More than a year ago I started with the company Accurate Financial Solutions Telephone XXXX / XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX where they commit to documents sent that repair credit and negotiate with XXXX, XXXX and XXXX, within a period of 12 months or less to do This is possible, I already paid them {$5600.00} dollars in 10 months, this amount was agreed for the entire process and so far there has been no progress and they are saying that I should start after a year with another process and for which I also have to pay when they did not inform at first, I think that unfortunately I fell into a company that only seeks to defraud the consumer.
Product: Debt collection

I have no knowledge of ever owing this company money. I never received a notice of any kind about this debt. To my knowledge and my best memory I dont owe this company any money nor the original creditor. I have tried calling this company with no success.
Product: Debt collection

Disputed : XXXX/XXXX/XXXX CFPB : Lending Club Corp & XXXX XXXX XXXX XXXX Account : XXXX In XX/XX/XXXX I contracted the services of XXXX XXXX XXXX, XXXX a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for health reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is : Lending Corp with an  balance of {$15000.00}. 
I have just completed my accounting for tax purposes and found that I have paid {$600.00} to the creditor via the consolidation program and my balance now due is {$15000.00}.

I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last ( 6 ) months and have not been able to receive a response to any of my communication. 
On XX/XX/XXXX I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC and it has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed. 
My direct offer of installments payments to the creditor made on XX/XX/XXXX for the remaining balance was declined by the creditor of which I am grateful,, my financial accounts highlights that the reporting balance is incorrect and if it were accepted at that time, I would be liable for paying far more that what is actually owed. 
Please see attached signed Agreement page for debt consolidation program and the date of the agreement.
Product: Mortgage

I was contacted about a request for a mortgage pre-qualification that I made via email on the website XXXX. I was replied to by a XXXX XXXX, who works at The Mortgage Firm in XXXX XXXX, FL. He sent a very disturbingly-worded email to me. I told him he was upsetting me and asked that he not send any further emails. He ignored this and proceeded to send me an email that listed the name " XXXX XXXX '' as the subject line. I had recently contacted a XXXX XXXX, as he is a broker from whom I requested information on a property for sale ... and XXXX XXXX should have had no knowledge of my correspondence with XXXX XXXX. In my mind, there is no possibility that XXXX XXXX ' name could have been mentioned as mere coincidence, as XXXX XXXX and I had never discussed brokers or specific properties in any capacity. This leads me to believe that XXXX XXXX somehow gained access to my email inbox - the only other explanation is that the XXXX men may know each other, and happened to discuss me prior to this second email being sent to me ( this is not professional behavior on their part, if so ). Following my receipt of this second email, I blocked XXXX XXXX from contacting me, but I am still shaken by his knowledge of my personal contacts, and by his disturbing first letter to me. I filed a complaint with the XXXX, but The Mortgage Firm failed to respond to my complaint - they are behaving as if I never filed a complaint at all. I wrote to The Mortgage Firm directly, and also received no response ... I then attempted to call, and they put me on hold in order to hang up on me the moment I gave my name. The attempt I made to call back after this happened was not answered.
Product: Debt collection

I 've sent a letter to Williams & Fudge explaining that the debt they have reported I owe, I do not. I requested a validation of debt owed, and that information was not provided to me as requested. I also have asked previously through harassing phone calls attempting to collect this debt for validation, and nothing has been sent to me. I have yet to see acceptable proof that this debt is owed. By law, they are required to provide this information within 30 days, that was not done.
Product: Credit reporting or other personal consumer reports

According to Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to request that credit reporting agencies ( CRA ) block the reporting of information on their credit report that was the result of identity theft. Because of the Data Breach, my information has been found on the dark web causing several FRAUDULENT ACCOUNTS on my consumer report. 
XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX. ) XXXX XXXX XXXX XXXX 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 are due to the Data Breach, therefore they should be removed immediately from my consumer report.

15 U.S.C 1681... PROMOTES THE ACCURACY, FAIRNESS AND PRIVACY OF PERSONAL INFORMATION..
Product: Credit card or prepaid card

For the last year or so PayPal Credit/XXXX has been charging me interest on deferred interest charges. I pay my charges that are not interest deferred along with my interest deferred balance due on time and all together on one payment and do this online. PayPal Credit is not applying the payments correctly and they do not offer an online solution for allocating where my payment goes towards on the statement charges. I have called in several times to complain and get the interest charges off my statement but only get someone with dogs barking or kids crying in the background who have no clue how to help me. They keep telling me to call in and make my payment over the phone so it can be allocated correctly. Ive tried this several times and have no options via phone to get this done. It is a painful process and in the meantime Im paying interest charges for no reason as Im paying ahead on my deferred charges. Its a scam they are getting away with and Im furious! I feel I have no way to stop this and they continue to get money from me that is not theres to have. Please do something about this ASAP as they owe me money back from interest charges that should never have been applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing in response to the closed CFPB complaint : XXXX. 
I received the mailed results however the evidence is not sufficient to verify and validate that this account is mine, As I have NOT received the original contract bearing my signature. 

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. SEARS/CBNA XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the ORIGINAL CONTRACT the information should be removed from my credit report within 30 days.I have attached a drivers license as proof of my identity.
Product: Student loan

Navient Private Loans is an absolute abhorrent organization. Not only was the school I attended under investigation by the united states senate for fraudulent job placement numbers, and high pressure sales tactics, Navient failed to explain forbearance laws, or offer me any substantial assistance in making payments other than " Pay or default. '' They would harass me, calling upwards of XXXX times a day, disrupting my work and nearly getting me fired.
Product: Debt collection

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under SUNRISE CREDIT SERVICES and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the accounts continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Debt collection

This company has been continually calling my father informing him of an inaccurate charge that I'm currently disputing because the charge is incorrect. They inform him of the details and the amount that I owe but they don't call me. They started calling last week almost on a daily basis and they started back up this week its ridiculous.
Product: Credit card or prepaid card

Account was closed through the Capital One website on XX/XX/2021, the account was closed with a XXXX balance. The account should report to the credit bureaus as " account closed by consumer ''. Further, Capital One owes me a refund for the security deposit in which they held on this account.
Product: Credit reporting or other personal consumer reports

You Violated the United States XXXXode Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.

A FAIR RESOLUTION TO THIS TRAGIC INCIDENT WOULD BE FOR THE CREDIT REPORTING AGENCIES TO UPDATE THESE LATEPAYMENT ACCOUNTS FROM MY CONSUMER REPORT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I have sent numerous of letters to LVNV because they have been reporting XXXX accounts that are a result of identity, theft and fraud. This company continues to report false information on my credit report despite being sent. They continue to violate my rights as a consumer by reporting in accurate information, despite being sent the proof. Rent recovery solutions is another account that is reporting false information to an address that I never lived at. They had also been sent a letter as well and they refuse to remove this account instead they keep removing this account and re-adding this fraud account to my credit report. 

XXXX XXXX XXXX XXXX LVNV {$1100.00} LVNV {$580.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I cant access my credit file. 

Unfortunately, like many other people who come from disadvantaged backgrounds like myself, with out the means of financial education on interest and time. I incurred some pay day loans to get out of an abusive living situation. 
I know through my personal desperation, I probably put my information at risk. Now two years later I have settled all of my pay day loans. ( bar one new one ). On multiple times when checking my credit report, I havent been able to access, with security questions about having a mortgage which I clearly do not have. A few months ago I was contacted by creditor, on a dispute where someone had used my Information for the wrong address, incurring debt passed on to a debt advisor. I was told because it was not me they could give me any more information, or discuss the matter further. I am keen to improve my life, and credit score and want to make sure all my information is correct so I can take the correct procedures to improve my score
Product: Credit card or prepaid card

Received letter dated XX/XX/2023 From Wells Fargo NA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Subject : Decision about your credit card application # XXXX. Person was applying for XXXX XXXX XXXX credit account. Application was denied : unable to authenticate identity of applicant. After reviewing my credit report hard inquiry was done on XX/XX/2023. This was not me and I am concerned that my identity was used.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have written XXXX equifax XXXX to remove my private information of my bankrupcty from my reports and they lied and wrote back the court gave them the information in which i filed the same letter to the courts in which wrote back they didnt give them my private info... this is a huge disrespectful violation of the laws 15 u, s code 6801 i have consumer protection sections 15 u, s code 6801 @ ( a ) has been violated also ( b ) also sec ( XXXX ) states to insure the security and confidentiality of customer records of information section ( XXXX ) and ( XXXX ) another violation of u, s code 6801 to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer... 

all three credit reporting agencies keeps responding with eoscar automated letters and refuse to obey my privacy rights they do not have any hand written information from me i have been battling this since XXXX and each reponse tells me they verified with courts the courts wrote they dont share my info and are not affilated please have them remove bankruptcy enclosed is prof the court systems the provider isnt lawfully listed this is identity thef on their end..
Product: Debt collection

I had a account with XXXX  XXXX XXXX and had a XXXX dollar credit limit I spoke to a manager named XXXX from XXXX XXXX who disrespected me and threatened me that I will end up in jail and stated he knows my type.next I know it went to collections and it jumped about XXXX dollars during covid I did receive a letter that I was being sued and that they will try and seize my property on the day I received the notice the court date had already past about XXXX weeks prior they also took money from my XXXX XXXX account without permission which never even showed on the debt which is rising a few dollars ever month I did research on Midland credit and found many people report that they have had there rights violated which I believe mine have also been taken advantage of.
Product: Credit reporting or other personal consumer reports

I have been going through a financial hardship including job loss along with taking care of my father who was in the ICU unit. This creditor wasnt willing to work with me. I also had to get a new bank account as well. in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

XXXX IS REPORTING INACCURATE INFORMATION ON MY REPORT. XXXX IS NOT THE OWNER OF THIS ACCOUNT AND THEY ARE FRAUDULENTLY TRYING TO COLLECT, SEC FILINGS PROVE THAT CREDIT ACCOUNTS ARE TRANSFERRED INTO A TRUST AND ARE SECURITIZED THE DATE OF THE ACCOUNT OPENING DATE THE ACCOUNTS ARE TRANSFERRED/ASSIGNED INTO A TRUST, SECURITIZED AND TRADED AND NEVER TRANSFERRED/ASSIGNED BACK TO XXXX IF XXXX CAN NOT PROVIDE A CHAIN OT TITLE PROVING THAT THE DEBT WASN'T SECURITIZED THEY DO NOT HAVE THE AUTHORITY TO COLLECT AND REPORTING IT TO XXXX EXPERIAN XXXX IS VIOLATING MY RIGHTS. DELETE THIS ACCOUNT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Bureau 's has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts I believe it was reporting in error. 
XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$32000.00}