23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

HELLO IVE BEEN TRYING TO REACH OUT TO THE THREE CREDIT BUREAUS.

ABOUT THESE INACCURATE NEGATIVE ACCIOUNTS THAT I BELIEVE ARE NOT MINE. IVE ALWAYS HAD HEALTH INSURANCE AND THERE WAS AN ACCOUNT OF XXXX XXXX THAT I REPORTED TO THEM THAT I HAD BEEN A VICTIM OF IDENTITY THEFT. THEY HAVE NOT CONTACTED ME AND I HAVE A LAWYER WHO IS WORKING WITH ME.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of an alleged charge-off account from XXXX XXXX XXXX with a balance of {$2800.00} on my credit report. This account is being reported as a charge-off ; however, neither a 1099-C form nor any documentation of debt cancellation has been issued to me or the IRS, as required by law.

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, I am entitled to a fair and accurate report. The failure to provide a 1099-C for this charged-off account implies that this debt remains unresolved, yet its continued reporting as income violates the accuracy requirements set forth by the FCRA. Additionally, without the 1099-C form, there is no basis for reporting this balance as income, which makes this account invalid for reporting on my credit profile.

Under 15 USC 1692 ( k ), if this matter is not addressed and the account is not promptly removed, I reserve the right to pursue civil liability for these violations.

Please investigate this matter thoroughly and remove this account from my credit report to ensure compliance with federal laws.

Thank you for your prompt attention to this urgent matter. I look forward to your confirmation of the removal of this erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX Missouri is being reported on to the file that your company maintains up under my personal information. I have never had an account with XXXX XXXX XXXX. The document with the electronic signature does not belong to me and its not my signature. I've also asked that you provide Driver license or anything that was used when the person acting as me entered your bank. An electronic signature look as though it was obtained thru an online portal which I did not authorize or take part in. This account is a direct result of identity theft and I am requesting that it be removed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Product: Credit card

I applied for a credit line increase with AMEX during XXXX 2016. When they responded they did not give an exact reason why my credit was declined. I have contacted them several times by phone and in writing asking what specific reason my request was declined. They have never responded to any written letter ( XXXX letters ). I have asked for the name and address of the credit bureau that was used in this credit making decision. They have never reported this information to myself as required my U S Laws. please ask them to respond to my letters and give me the name and address of the credit bureau used in making this negative credit decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letter to each credit bureau against my rights being provoked unlawfully and I have sent prior messages through you as well. The bureau 's have not responded and it has been past 30 days from initial complain XX/XX/XXXX. The following still stands. 


In accordance with the Fair Credit Reporting Act : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX  ( acct # XXXX ) XXXX  ( acct # XXXX ), XXXX ( XXXX ), XXXX XXXX  ( XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ( acct 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. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. These fraudulent accounts and reporting methods. deemed illegal should be removed from my report this is illegal and the files should be removed from my credit report PER THE LAW STATES.
Product: Money transfer, virtual currency, or money service

I deposited two money orders in my account. My bank put the fund into my account. Western Union took the money back out of my account and issued a " Refer to Maker '' for both checks. Western Union stated that both of these checks were cashed and no further action is going to be done on their part. They have not provided documentation on who this money went to. Both money orders were issued by Western Union through their agent XXXX. 1st money order was serial number XXXX, 2nd money order was XXXX. I am requesting documentation of who cashed these money orders or the reason they failed to honor these money orders to my account. See attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX, and TransUnion have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Here is the list of erroneous account found in my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I can not get information about my loans because almost every time I try to access the website I get the message : " This site cant be reached. XXXX refused to connect. '' On the few occasions I could access the site, it only worked for a few minutes before I got the error message again. 

The phone lines are also overloaded, so with less than a month before my loan payments start again I : 1. Don't know my payment amount 2. Don't know my payment due date 3. Can not update my auto debit information 4. Can not complete my XXXX  application because my servicer is not accepting electronic signatures ( which I found out through studentaid.gov, NOT my servicer ) This is completely unacceptable. Today I was briefly able to access the site, but while I was trying to update my autopay, the site suddenly gave the message above and I continue to get that error every time I have tried for the past 12 hours.
Product: Student loan

I have the money to pay off in full my student loan ( over $ 90K ). I confirmed the entire payoff amount online and via telephone with Navient on XX/XX/2018. They cancelled my direct debit since I set up an electronic transfer which they said may take 3-4 business days. On XX/XX/2018 they sent me an email saying the loan was paid in full and my balance was XXXX. 

Today, on XX/XX/XXXX they sent me an email that I owed {$1400.00}. There was no communication either by phone, email or regular mail until today. I called today and they refused to connect me to a supervisor and claimed many contradictory things. First, that the payment was refused by the bank ( not true ). Second, that they could not " accept '' any payment of more than $ 50k per day ( not true ). Third, that they can only accept a payoff in full via debit or credit care ( not true ). Fourth, that I owe an additional {$62.00} to payoff the loan which is ludicrous since they already sent me notice 11 days ago that the loan was " paid in full ''. 

Worse, when I called this morning, besides lying to me they now claim I can only payoff my loan by electronic transfer ( the original way it was set up ) and " it may take 10 business days ''.

Clearly, this is a scam to extract extra money from those choosing to get rid of their horrible service/company. I have set up the loan pay off ( AGAIN ) and hope that their illegal practices are uncovered so that more innocent people don't get fleeced of their money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  {$2200.00} charged off in XX/XX/2017 I disputed this account with experian because it didn't belong to me the account is unverified and possible result of identity thief my information was affected by the XXXX been dealing with this for months to no resolution they just keep reporting the same negative information without merit
Product: Credit reporting or other personal consumer reports

Please read my complaint thoroughly and take this seriously. There's an account with false and incorrect information being reported on my credit, which is not assured to be the maximum possible accuracy. This has caused me undue stress and has affected all aspects of my life negatively.
Product: Credit card or prepaid card

I have a Costco credit card that we had used for a recent vacation. My significant other made {$1300.00} in payments during that pay period already. He tried to utilize his XXXX account to make another {$120.00} payment on XX/XX/2021, but it returned saying he had insufficient funds ( which was not the case ). XXXX then continuously attempted to make the payment and my SO made multiple attempts to reach them XXXX they have horrible customer service ) to discontinue the payment attempts. My SO did attempt to make another payment on XX/XX/2021 ( because again, he had sufficient funds in his account ) but received the same message. I received an email regarding this and reached out to customer service to see what was going on. I notified the customer service representative I chatted with that this was going on. I later found out from someone else that they experienced something similar ( must have been some sort of online communication error with multiple financial institutions? ). I was told that I would have to wait until the end of the pay period to address any concerns. I then noticed on my CitiBank app a few days later that my account was closed and I would be receiving a new card in the mail. I called customer service who stated that I would need to wait to receive the letter in the mail regarding the closure and that I would not be receiving a new card in the mail. I was furious. I called another customer service rep the following morning who stated that I had a returned payment in XXXX ( due to switching banks, but paid from the correct account immediately once notified ) and then this current incident. Inquired if I could somehow send proof that my SO had sufficient funds in his account at the time of the " insufficient fund '' notice, which the customer service rep stated that would be fine. But of course, my SO has not been able to connect with XXXX customer service to inquire about such a document ... so we have received the letter and cut up our cards at this time.
Product: Mortgage

I live in Italy with my American military husband. I 'm not working because of this situation. The situation that I have is that in  XXXX  I communicate with the Santander Santander for a lost mitigation why I was left without the income of unemployment to complete the payment of my mortgage. I had the apartment rented. They proposed a shortsales for my tenants. But they did not accept. The difference in the payment of my mortgage with the rent was more than 300 . Plus the condo was asking for a spill for {$1400.00} upgrades. Then the bank proposed to me voluntarily. He asked my husband and mine for statements. Forms, evidence of non-payment student loan and my capitulations to process the grant. I fulfilled all your demands. Then they made me break contract with the tenant. And make them evict the apartment. After the process was completed, I was required to pay attorney fees for the grant. I reminded them that I have no income and that I have capitulations with my husband. Then I demanded original capitulations what I could not send because then I could not recover them. The lawyer who made them no longer lives in PR and can not do anything for me. The bank was harassed because it saw my husband 's income on the statement. I asked them to stop harassing and they closed the case for voluntary giving after I fulfilled all their requirements. They demand the original capitulations. They did not accept their certification or the affidavit that the Italian lawyer offered them. They only want to damage credit.
The tenants moved. The apartment was empty since I do not have the income of them. I have a chapter   XXXX   bankruptcy in  XX/XX/XXXX . The bank hurt my person when what I asked for was help to lower the payment. The keys were sent to the bank by mail in a certified manner   XXXX   XXXX    XXXX    XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Account number  XXXX  Santander Loss Mitigation Specialist Santander Puerto Rico Ave.   XXXX   XXXX     XXXX   XXXX   XXXX  , Puerto Rico  XXXX  Tel :   XXXX   XXXX   XXXX   XXXX   Ext.  XXXX  Fax :   XXXX   XXXX   XXXX   XXXX   e-mail  XXXX
Product: Credit reporting or other personal consumer reports

I have previously requested my late payments to be investigated and to update these payments to paid on time immediately. I am now requesting proof of the previous investigations. I am asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this accounts was late, if you can not provide me with this information in XXXX  days update the account to PAID/NEVER late and send me a copy of my updated credit report.
Product: Debt collection

ON XX/XX/2020 A CABLE BILL WAS OPENED UP IN MY NAME WITHOUT MY CONSENT. THE BILL IS {$980.00} DOLLARS. ORIGINAL BILL IS XXXX BUT NOW THIS COMPANY IS TRYING TO SAY ITS MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

FEDLOAN Account Number : XXXX {$110000.00} I have had my rights violated in regards to the Validation of Debt and Identity theft where my information was provided to the governing bodies of XXXX  XXXX XXXX  XXXX XXXX. 

As a consumer by law this account must be deleted immediately. 15 U.S. Code 1692g - Validation of debts U.S. Code ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; You Violated The United States Code Law 15 U.S. Code 1681b- Permissible Purpose of Consumer Reports ( a ) In general, Subject to subsection ( c ). any consumer reporting agency, may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible Purpose of Consumer Reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. I never gave you any written consent to report anything on my consumer report no consent is Identity Theft. I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Data Breach Dear Equifax, I am writing to formally request the blocking and deletion of my accounts listed below, as I am a victim of the recent data breach. Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have these accounts blocked WITHIN FOUR DAYS to protect my personal information. 

The accounts I wish to address are as follows : XXXX XXXX XXXX XXXX XXXX XXXX  {$11000.00} This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. **15 USC 1681e ( b ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. **15 USC 1681g ( a ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. **15 USC 1681m** : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. **15 USC 1681n** : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts.

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing some fraudulent accounts and information with equifax for two years now. I have sent in two police reports filed with the Wyoming police department and yet they still have not removed the information off of my credit report. I have been told multiple times by the company that I can dispute the fraudulent information 100 times over but they are still not going to remove the information. I am a victim of fraud but I am being treated like a criminal and I am very fed up with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible
Product: Credit reporting or other personal consumer reports

I have explicitly notified your organization of the egregious violations you are perpetrating against my consumer report. Despite ample time, exceeding the statutory 30-day period, you have callously ignored my correspondence. Enclosed are copies of every communication sent to your attention for your awareness.

Your blatant disregard for my consumer rights is utterly unacceptable. Your failure to address these violations is a clear violation of federal regulations, constituting an egregious breach of trust and legal duty.

Your deliberate negligence in responding to these concerns has caused irreparable harm to my financial standing and reputation. Your inaction demonstrates a flagrant disrespect for consumer protection laws and exhibits a willful disregard for ethical business practices.

I demand immediate and decisive action to rectify these transgressions. Failure to do so will result in further legal action and public exposure of your unethical behavior.
Product: Debt collection

I had been emailing the collector and informed him that I was not responsible for the debt because management of the company had been changed and I gave them the name of the person who was. 

This debt collector used my sons phone number to call me with. My son, who is stationed in the XXXX XXXX and I hadnt talked to in a very long time and it was his birthday. So I thought my son got the chance to call me and it was the collector. He proceeded to be very insulting and I finally had to hang up with him. He called me names and was abusive.
Product: Credit reporting or other personal consumer reports

15 U.S.C. XXXX is part of the Fair Credit Reporting Act ( FCRA ) .It establishes the purpose and findings of the FCRA , which governs how consumer credit reports are accessed and used.The FCRA also aims to protect consumers ' privacy and ensure that credit reporting is fair and accurate. 

Purpose The FCRA 's purpose is to ensure that consumer reporting agencies ( CRAs ) are fair and impartial in their use of consumer information. 

The FCRA also aims to protect consumers ' privacy and ensure that credit reporting is fair and accurate. 

Findings The FCRA states that fair and accurate credit reporting is essential to the banking system. 

The FCRA also states that unfair credit reporting methods can undermine public confidence. 

Definitions A consumer report is any communication from a CRA about a consumer 's credit worthiness, credit standing, or other information. 

A CRA is any entity that assembles and sells consumer credit and financial information. 
Here are there accounts : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX