23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was compromised and a fraudulent charge was included on my account without my consent or authorization. 
I sent this company my dispute letter on XX/XX/XXXX18 with a detail explanation on the above mention case. I even attached the following documents as proof for their smooth investigation on this matter : 1.Identity Theft Report 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act But to my surprise, this company still kept reporting this fraudulent account. This letter is a written proof of my intent to resolve this matter and have the fraudulent account expunged from my report before pursuing legal action.

For yet one last time, the following account had a fraudulent charge : XXXX XXXX XXXX ACC # XXXX, Date Opened XX/XX/ 2018, Original Balance {$280.00} I have attached herewith the letter I sent to this company and my identity theft report for reference.
Product: Checking or savings account

Charge to XXXX XXXX posted on my Discover Bank checking account on XX/XX/year>. Transaction was not made by myself, does not reflect on my XXXX XXXX transaction record ; yet Discover Bank find the charge valid giving the reason that other transactions have been made with no prior disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion LLC, has been providing false information that public record XXXX XXXX bankruptcy was verified by XXXX XXXX XXXX GEORGIA when courthouses do not verify public records with credit reporting agencies, credit bureaus, third parties, and vendors via the FCRA. Transunion LLC, has been falsely verifying a public record XXXX XXXX bankruptcy with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX who is not the original data furnisher of the information as required under the FCRA and could not verify the public record being reported. Because XXXX does not have this public record on file and could not verify it, I have requested for Transunion LLC to stop reporting the public record and delete the public record for false reporting under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$630.00} ; CAPITAL XXXX XXXX Balance Owed : {$890.00} ; XXXX XXXX XXXX XXXX Owed : {$500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  XXXX XXXX Owed : {$0.00} ; XXXX  XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ( XXXX in bankruptcy ) ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016
Product: Credit reporting or other personal consumer reports

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) : for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

I requested the removal of these two addresses over 30 days ago. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX
Product: Debt collection

The following debts have been paid and nothing is owed to Heathcare Collections d/b/a XXXX Acct # XXXX - {$180.00} paid in full - see attached documents Acct # XXXX - {$180.00} paid in full - see attached Acct # XXXX - {$140.00} paid in full - see attached All of these accounts have been paid off through my bank account ACH
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 90 days past due on XXXX XXXX  XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX XXXX XXXX  when they were under XXXX XXXX a settlement of {$10000.00} to stop harassment and calls to me and my co-signer XXXX XXXX. Basically XXXX XXXX ( XXXX ) was already close so my money went unknown, All XXXX credit agencies still report the amount that I owe student loan and it is from XXXX XXXX. XXXX XXXX then became XXXX who have a settlement of all debts to be cleared but this is still reflecting on all XXXX credit reports. I have also asked for the agencies to remove all address except XXXX. I was also in the class action for XXXX and XXXX XXXX for my information/identity leak. I worked for XXXX and was an XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has my credit card debt much higher than what it is. Equifax and XXXX XXXX also has my credit card debt higher than what it should be. These Three companies all have me with late payments to my mortgage company which I am not late or have I ever been late in the last six months.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX XXXX XXXX XXXX continues to furnish a series of late payments on credit profile. According to accounts XXXX which is displayed eleven times as nine late payments. The accounts are the same and with the reporting being calculated by FICO the inaccuracies of reporting are compromising my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have all three credit bureaus reporting judgements, tax lien from XXXX XXXX and XXXX XXXX on my credit report, they are reporting time barred debt on my credit debt that does not belong to me, tax lien in the amount of {$17000.00} Theses items were removed before through a prior complaint in XXXX, since then they re-inserted the debt which is a violation of the FCRA, they are not supposed to re insert debt. they have told me over recorded conversation that they have once again processed the removal of the tax lien for XXXX XXXX, XXXX XXXX, XXXX XXXX 2 accounts, they informed me they were going to correct my credit card information removing the 6 months late payments, they also told me they are not reporting the tax liens, the eviction which is deemed public records, they informed me they do not report judgements, tax liens, and public records, when I pulled my report, XXXX surprise they are still there, the credit bureaus have not done one thing to correct it, the they say they need verification of identity,. After I submitted nothing has been done to remedy my complaint, Equifax continues to report old time barred debt, and old collection accounts that are past 8 to 13 yrs past credit reporting statute of limitations past 10 yrs, I have now hired a Consumer Protection Attorney to remedy the situation, if they do their jobs and fix the errors on my report, a remove the judgments, tax lien, and public records, then I will not have to push forward in a lawsuit. The CFPB needs to monitor these bureaus, and collect data from other consumers to file another class action lawsuit. Equifax, XXXX, and XXXX  needs to remove these items my scores are supposed to XXXX in the 700s.
Product: Credit reporting, credit repair services, or other personal consumer reports

US BKPT Court XXXX Atlanta... I have previously disputed U.S. Bankruptcy Court XXXX Atlanta XXXX XX/XX/2016 with you and in response you verified the item as accurate stating that you have verified the information with the Court. I contacted the Court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 115 U.S.C. 1681l ) and the information must be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX Dear Sir or Madam : As of XX/XX/XXXX TransUnion has displayed several fraudulent accusations assuming I have inquiries made on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I am writing to dispute the following information in my credit report file. I have attached documents that shows evidence of it not reported on the other credit bureaus reports. 
the items I dispute on the attached copy of the report I received.The information on ONEMAIN reporting number XXXX is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt.Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Debt collection

I found out that on my credit report I owned XXXX idk for what i never had this amount or this creditor
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$83.00} Account Name : XXXX Account Number : XXXX Balance : {$200.00} Account Name : XXXX Account Number : XXXX Balance : {$290.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$2500.00}
Product: Checking or savings account

On XX/XX/2019 an unauthorized debit was made to our checking account in the amount of {$8500.00} The only information I have is that it was a credit card payment by phine to a company named Certegy Check Services telephone # XXXX I tried reaching out to company and no one picks up phone or returns my calls when messages are left. My bank which is XXXX tells me there is nothing they can do. This is very frustrating because it may just be a matter of someone entering wrong account number but I can't seem to get any information at all. 
This is a business checking account
Product: Mortgage

WHITE COLLAR CRIME complaint against QUALITY LOAN Service Corporation - illegal foreclosure auction against our home tomorrow, XXXX XXXX, 2017 at XXXX. Please see attached for details. Exhibits to be sent via fax shortly. 

Thank you for your investigation and enforcement of the applicable laws for consumer protection.
Product: Consumer Loan

PORTFOLIO RECOVERY SERVICES OUT OF GEORGIA CALLED MY WORKPLACE TRYING TO COLLECT ON A SEVERAL YEAR OLD DEBT FROM XXXX XXXX CREDIT CARD. I DEMANDED THAT THEY NEVER CALL ME AT WORK, AND THEY SAID THEY WILL CALL WHENEVER THEY WANT. THIS CALL CAUSED ME GREAT EMBARRASSMENT WITH MY STAFF DISCLOSING THAT I HAVE A DEBT IN COLLECTIONS.
Product: Debt collection

This company ( Jefferson Capital ) is trying to collect a debt and they are not the original creditor of the debt. They have reported the debt as a collections account to all credit bureaus and has damaged my credit tremendously. I am writing to dispute the validity of the debt you have reported on my credit report and request validation of said debt. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 809 ( b ), which requires debt collectors to provide verification of debts upon the consumers written request. I dispute the entirety of this alleged debt, and I request that you provide the following information : 1. The original signed contract or agreement bearing my signature. 2. The complete account history, including all statements and details of the alleged debt. 3. Verification and proof of your authority to collect this debt on behalf of the original creditor. Please consider this letter as a formal notice pursuant to the FDCPA that I dispute the validity of the debt, and I request that you provide the aforementioned information within 30 days of receiving this letter. If you are unable to provide the requested information within the given time frame, I expect that you will cease collection activities on this account and promptly remove any negative reporting from my credit reports. Your cooperation in this matter is essential to ensuring compliance with the FDCPA and protecting my rights as a consumer. I expect a thorough and timely response to this dispute. 
Sincerely, XXXX XXXX
Product: Student loan

Great Day I launched a dispute with all credit bureaus for the last 60 days about my closed Navient account trying to understanding all the inaccurate information that has been placed on my credit report. According to : XXXX : my account was opened XX/XX/XXXX closed XX/XX/XXXX i was reported 120 days past due, but all the previous months is showing paid as agreed ok. there was no indication of 30 days, 60 days, 90 days noted on another report it indicated i was 90 days past due XX/XX/XXXX and XX/XX/XXXX XXXX : my account was opened XX/XX/XXXX closed XX/XX/XXXX i was reported XXXX past due with no indication the previous month of a 30, 60, 90 days late pay and on the report it indicated i was 90 days past due XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX : my account was open XX/XX/XXXX closed ( nothing reported as if its still open ) this particular report indicated that i was 180 days past due and again on the report the previous month indicated ok paying as agreed. and only show a XXXX past due XX/XX/XXXX All Disputes I have reported replied back to me accurate and nothing changed on my report nor was there an explanation. When I call Navient there was a discrepancy in what she explained and what has been reported on the late pays. I noted that my students loans appear to change hands often and by the time information is reported to me and payment information is determined I am thinking this is where the discrepancies are happening. to much selling of loans and not notifying the consumer sooner would eliminate this kind of frustration.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Case Number : XXXX
Product: Mortgage

My mother passed away on & XXXX. She had a reverse Mortgage with Novad. Sent them a registered mail to them on XX/XX/XXXX. Certified rec 'd to Novad on XX/XX/XXXX. when I didn't hear from them I sent a fax onXXXXXXXX, it was sent conformation confirmed. This was stated both times " Please initiate Deed-In-Leau of Foreclose ''. I am not on my mom 's title for home. I have called the number for XXXX and one for HUD. I have sat on hold for over 4hours on both numbers only to be disconnected! This is for XXXX XXXX XXXX property address XXXX XXXX XXXX XXXX MN XXXX.
Product: Debt collection

I have no clue what XXXX XXXX XXXX is trying to get, I have no knowledge of it and have no proof but letters and calls saying I owe.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX XXXX Dear CFPB, I am writing to formally file a complaint against 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 COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX XXXX . Under the CARES Act, 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 XXXX XXXX XXXX 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 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: Mortgage

1st Call : on XXXX/XXXX/2016 at XXXX - I received a call from Wells Fargo Mortgage Company, at which time I identified myself and advised that I will be making a payment on Friday XXXX/XXXX/2016, for my past due of {$760.00}. 
2nd Call : on XXXX/XXXX/2016 at XXXX - I received a 2nd call from Wells Fargo Mortgage Company, at which time I identified myself again " This is ... .... '', I advised that I had already spoke with someone, and that the Representative had a right party contact. I told the representative not to call back, she then stated " we 're going to call you back again '' I said what did you stay and she repeated her threat " we 're going to call you back again '' I told her she had better not. I hung up ... 
3rd Call ... 
On XXXX/XXXX/2016 at XXXX - I received a 3rd call from Wells Fargo Home Mortgage I identified myself again " This is ... .. '', I asked to Representative to let me speak with a Supervisor. The Representative put " XXXX XXXX " on the line, she identified herself as a Supervisor. I told her that this is the 3rd call and advised her of what the last representative threaten the Well Fargo would be calling me back a 3rd time. The representative did not remove me from the dialing system to discontinue calls for that day. I told the Supervisor, this is Harassment, they should have not called me back after they had spoken with me on the 1st call. I advise the Supervisor that I would be filing a complaint for Harassment.
Product: Money transfer, virtual currency, or money service

I am trying to link the XXXX  application and called pnc bank. Pnc bank is stating that since they sent me a code via text that its not their error. The pnc agent gave me a number to call and a automated message comes on about XXXX  stating to go to the XXXX  application follow some steps but the issue has nothing to do with XXXX. Also the after the automated system gives you the information about XXXX  it hangs up. The issues has not been resolved. I need to be able to link my XXXX  application to pnc and so far its not fixed.
Product: Credit reporting or other personal consumer reports

Dear CFPB. 

Please advise these credit bureaus to remove this inaccurate accounts they keep furnishing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported this some time ago and even recently. TU seems to be making more errors than even XXXX does! That's saying something because XXXX is an error gaff machine that never fails to keep making errors. TU used to be better than all of these bureaus at correcting mistakes. Not anymore they're now the worst! Problems I've asked them to correct yet still remain in error as below that need to be fixed once and for all! Why is this complicated? I don't get it! Shame on them for not correcting their own errors! Frequent problem with this particular bureau! 

1. I do not work at XXXX and haven't for going on 4 yrs. It needs to be removed! They claim they removed it yet when I ran my report on XX/XX/XXXXit still appears! 

2. XXXX XXXX XXXX # XXXX - states I've disputed this account which I did not. It's in good standing, remove the false comments! I never disputed this account. 

3. XXXXXXXX XXXX XXXX # XXXX- Same as # 2 XXXX. XXXX XXXX XXXX # XXXX- Same as # 2
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened in XXXX and is still reappearing on my credit report. Please remove this Auto Loan from  credit report. Thank you. 
Unfortunately, I do not have any documentation and/or billing statements and receipts at this time. 



XXXX XXXX XXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeAuto Lease ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. 
Status UpdatedXX/XX/XXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Original Balance {$15000.00} Highest Balance {$0.00} Terms NA On Record UntilXX/XX/XXXX