23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX sent invoice dated XX/XX/XXXX. 
I notified XXXX in writing on XX/XX/XXXX to dispute the account, to ask for verification that it was authorized to be opened. 
XXXX replied with a form letter to call their office I notified XXXX in Writing on XX/XX/XXXX to communicate with me by mail and that I continued to dispute the account and that I did not authorize it. 
XXXX replied with the same form letter to call their office. 
I noticed XXXX in writing on XX/XX/XXXX informing them to communicate with me by mail and that XXXX disputing the account and not a customer of XXXX. 
XXXX replied with another form letter telling me to call them. 
I wrote to XXXX again on XX/XX/XXXX referring to the previous communication and that XXXX did not respond properly to my dispute. I again requested proof and verification that I authorized the charges. They did not respond. 
I notified XXXX in writing on XX/XX/XXXX to cease telephone communications with me and written correspondence will be responded to accordingly. 
XXXX replied with another form letter telling me to call them. 
I notified XXXX in writing on XX/XX/XXXX that they have not shown that I owe them any money or any agreement between us. I told them I would no longer respond to them without proper verification. 

Received collection notice from States Recovery Systems Inc datedXX/XX/XXXX. 
Responded by disputing the alleged debt and demand for verification, along with copy of agreement for my relationship with XXXX. 
Sent an additional letter on XX/XX/XXXX of notice to debt collector of default for not verifying alleged debt.

Received letter dated XX/XX/XXXX stating debt was verified and a print out of statement of account, with multiple contract account numbers, debit and credit amounts, with XXXX XXXX XXXX XXXX XXXX   payments, which I do not have a XXXX XXXX XXXX Account. 
On XX/XX/XXXX, wrote to States Recovery System that I received the letter but that the account has been in dispute and that XXXX failed to address the dispute. Also informed States Recovery Systems that they did not properly validate the debt. A simple statement is not validation. Anyone can make a statement. 
XX/XX/XXXX States Recovery Systems reported the collection to credit Report.
Product: Credit reporting or other personal consumer reports

This is in response to previously filed CFPB complaints ID # XXXX ID # XXXX ID # XXXX The response your Agency provided stated that " Experia/ XXXX has completed its investigation including contacting the Furnisher ... and that XXXX XXXX verified that the public information is reporting correctly '' consequently , I'd like to state that I contacted the XXXX XXXX XXXX XXXX in FL, where this bankrupcy XXXX  XXXX was filed and the court , the only reliable Furnisher in this instance, confirms that they DO NOT report to Experian or any other Bureau for that matter. Therefore, your initial response verifying the item is either in error or a lie. 
Either way, the reporting requirements DO NOT COMPLY with FCRA 611 ( 15 U.S.C. 16811 ) and the infomation must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed in a lengthy thorough dispute that went ignored by Experian, I also upload the same information using their uploading system. Since the law requires them to respond to muy claims and perform a investigation which never occurred, I will file a complaint with them. I have been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

MISLEADING AND FALSE INFORMATION. THIS IS AHIPPA VIOLATION YOU CAN NOT REPORT MEDICAL INFORMATION ON MY CREDIT REPORT PROFILE THIS A VOILATION. 

requesting validation of debt. They reponded with medical records, a DIRECT violation of HIPPA regulations. Not only did these documents have procedures and/or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed a HIPPAA form authorizing access to any such medical records. 

THESE ACCOUNT IS INACCURATE AND I AM SEEKING LITIGATION PLEASE DETELE AT ONCE XXXX XXXX XXXX XXXX XXXX # XXXX {$630.00} # XXXX {$2400.00} # XXXX {$1500.00} # XXXX {$1400.00} # XXXX {$92.00} # XXXX {$680.00} # XXXX {$520.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/XXXX, to Experian and XXXX regarding false information reporting on my credit report. XXXX has responded to the case ; Complaint ID : XXXX. I attached the document from XXXX regarding the bankruptcy that has been removed from my report since XX/XX/XXXX. 

Experian informed me in XX/XX/XXXX, they received verified information from XXXX and this is why they did not remove the bankruptcy reporting from my credit report. 

Experian has not provided any response to my other complaint ; COMPLAINT ID : XXXX. 

I am officially requesting XXXX to provide Experian with updated copies of my consumer report since Experian is falsely accusing XXXX to verify such information that does not exist. 

Per XXXX " Although XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ), a XXXX Company, sells public records in bulk to a variety of customers, including consumer reporting agencies such as XXXX, Experian, and XXXX, XXXX XXXX XXXX role is limited to providing its customers data it retrieves from courts, including updates to existing records. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute 5 times with Equifax so they remove a charge from a merchant that was not supposed to be there, but they have done nothing after 5 attempts. Every time I call they say ''dispute not found, try again '' or their fax machine is trash and they can not get a new one to be able to read documents they requested, so their final decision is that ''merchant is right '' because they could not read my supporting documents, and they never request information from the merchant. Their automated system is trash as well because to get to an agent you have to go through a 30 minutes interview asking the same exact thing over and over. Some of the agents are very incompetent. This company should be better than that since they are dealing with people 's credit information but is just like trash in all aspects.
Product: Mortgage

I have contacted both Nation Star Mtg. and XXXX on numerous occasions to get this rectified. I closed on a previous house that I owned on XX/XX/XXXX, with Nation Star as the mortgage holder and XXXX holding the flood insurance. I contacted XXXX and sent them documentation to show that the loan was closed in XX/XX/XXXX, because I received documentation saying that a bill was due for the year XX/XX/XXXX - XX/XX/XXXX. I was told that Nation Star made the payment in XX/XX/XXXX for the year XX/XX/XXXX - XX/XX/XXXX, who has changed their name to Mr. Cooper. Nation Star,  was notified in advanced from the attorney of the property and myself about the closing of the home. XXXX, advised me to send the closing statement to them again, which I did. I still received statements, showing that a payment needed for XXXX - XX/XX/XXXX. I called XXXX main number and I was told that there was not anything they could do, but the individual agent. I then called Nation Star and they said that once payment is made it is out of their hands. I am asking for help to have this rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

National credit systems inc at XXXX naturally XXXX XXXX XXXX Ga XXXX has been sending me collection notices in the amount of XXXX dollars XXXX cents the collection has been reported to all credit bureau as past do balance. I do not know this company. I have never done business this company. This company does not have a contract with my signature on it
Product: Checking or savings account

On XX/XX/2023 chase bank had closed my account due to fraud checks that were deposited in my account. The checks were officially seal checks from the controllers office because I am an XXXX XXXX XXXX XXXX XXXX XX/XX/2023 they were supposed to send a check with {$3000.00} from the account they closed but never did. They mentioned that they needed to verify that the checks were real and then they would release that hold and send over my money. Its been 2 months now and they still will not release that money to me. I have called multiple times and given them numbers from the controllers office to verify those checks and they claim they are not a business number. They still refuse to help me to get my money back to me. It is now XX/XX/2023 and they are still refusing even when I gave them numbers to call to verify those checks. This has been going on for too long and I just dont know what to do or my next step to get my funds back. They are still claiming that they can not get a hold of the state office or the number I have them is not a registered business number. I just want to get my hard work money back so I can pay bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance {$240.00}.
Product: Credit reporting or other personal consumer reports

To : XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Account Reporting and Request for Immediate Action Dear XXXX and Experian, has been classified as a charged-off debt, which qualifies as canceled income under IRC 6050P. 

According to federal tax law, when a creditor cancels or forgives a debt of {$600.00} or more, it is considered taxable income to the debtor, and the creditor is required to issue a Form 1099-C to both the debtor and the Internal Revenue Service ( IRS ). This form serves as documentation that the debt has been forgiven, meaning the debtor no longer owes the balance. 

If no Form 1099-C is issued, it indicates that the creditor has not treated the debt as canceled income, and thus, it should not continue to be reported as a delinquent charge-off on my credit report. The continued reporting of this account without the issuance of a 1099-C is not only inaccurate but also unfair. 

I am writing to formally dispute the reporting of a charged-off account from XXXX XXXXXXXX XXXX on my credit reports. This account, associated with account numbers XXXX and XXXX, is being reported inaccurately, violating the Internal Revenue Code ( IRC ) 6050P and raising significant compliance concerns under federal tax and credit reporting laws. 

Immediate Removal of the Account from My Credit Reports Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I have the right to dispute any inaccurate or incomplete information in my credit report. The charged-off debt qualifies as canceled income under IRC 6050P. However, no Form 1099-C was issued to me as required by law. Consequently, the reporting of this account as a delinquent charge-off on my credit reports is inaccurate and must be removed. 

Verification of Reporting Practices I invoke my rights under 15 U.S.C. 1681e ( b ), which mandates credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. The failure of XXXX XXXX XXXX  to issue a Form 1099-C raises questions about their compliance with federal tax regulations and the fairness of their reporting practices. 

Additionally, I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate whether XXXX XXXX XXXX has adhered to IRC 6050P and the FCRAs requirements to protect consumers from inaccurate or unfair reporting. 


Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if your investigation determines the information to be inaccurate or unverifiable, it must be promptly deleted or corrected. 

I have attached supporting documents, including copies of my credit reports and correspondence related to this matter, to assist in your investigation. Please provide written confirmation of the results of your investigation and the actions taken within 30 days, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Thank you for your prompt attention to this matter. I look forward to your resolution of this issue.
Product: Credit card

I applied for a Capital One Quicksilver card due to the 15 month 0 % APR offer they had. I was approved for the card and the app said I had no offers at that time due to needing to have the card for 10-15 days. This morning the offer was for 29.99 % apr and I called and they said there was nothing they can do. I offered to send screen shots and they declined and said there was nothing they can do. The only reason I applied was because of the introductory offer.
Product: Bank account or service

I just spent 2-1/2 HOURS on the Synchrony Bank website & spoke with XXXX different representatives on the phone, simply trying to change my password, as the Bank is requiring. It was a NIGHTMARE! The Bank makes it almost impossible to get access to my own money. The instructions to change the password are incomplete, and the representatives did n't seem to know what the problems were or how to correct them. XXXX of them tried to connect me with the Bank 's " IT '' representatives, and I was disconnected twice. The Bank required that my password be changed, yet they made it nearly impossible to do it, since the instructions were so unclear. I have decided to take my money out of Synchrony and put it into my XXXX money market accounts, so that I do n't have to deal with a confusing and unclear website every time I want to access my money. The XXXX website is much simpler and easier to use.
Product: Checking or savings account

As of Today Thursday XX/XX/2023, Ally Bank doesn't want me until : XX/XX/XXXX, of this Year, to have any recurring Transfers from my : Checking to my Savings Account, with : Ally Bank.
Product: Debt collection

Capital One Auto used different debt collector to attempt to force Consumer to pay a debt that was already paid. Consumer had attorney with regard to subject debt. Cap One was notified that Consumer 1 ) paid debt and 2 ) had attorney. Cap One ignored those facts and sought collection any way. 
Consumer : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. See attached documents.
Product: Credit reporting or other personal consumer reports

I require assistance with my equifax credit file. Its been THREE MONTHS that Ive been back and forth with guys, When I search it up I get error code NH. And another code that says XXXX and to call and provide that code, so I did. Then I was told by your phone support that I needed to send my information via mail to get verified and have my file created. I sent the documents to your XXXX XXXX but customer support says they dont have it and they want me to repeat this entire process again. iAM NOT please update, fix and remove whatever you did to my consumer report ASAP or litigation will happen, this has gone for too far too long and remove the two inquiries that I have on there for which I have provided a police report below for.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my XXXX report, I am in debt to XXXX XXXX XXXX a significant amount ( they are a collections company ), however, when I contacted XXXX XXXX XXXX, they were unable to send me verification of the debt for four months! Then sent me a letter stating that they would lower the debt by 50 % after not contacting me for four months. I then sent them a dispute letter asking for 3 documents of verification. They reported the debt to XXXX and I disputed with XXXX and attached the letter I sent to XXXX XXXX XXXX. After 20 days, XXXX XXXX XXXX puts that the account is mine yet sent no real proof or any of the verification I asked for. XXXX is aware of this yet they say all they can do is continue to dispute it or for me to ask XXXX XXXX XXXX to remove it from my report which they refuse to do and also refuse to verify the debt. XXXX already deleted the debt so why is XXXX siding with the wrongful collections company, when I as the consumer for XXXX, have more proof that the debt is incorrect?
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at SYNCB/HOME on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX MORTGAGES XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$8000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

Transunion had a glitch in their system that cause that reinserted previously delete information. They violated my rights unders section 6.11. I was never notified. As a result my credit score is suffering. i have contacted them twice but they have not taken any actions to correct. i am requesting all All inquiries be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a notification on XXXX by a letter dated XXXX to appear in the Magistrate Court of XXXX County for Civil Action Number : XXXX. - LVNV Funding vs. ******* ( Last Name is misspelled on action ) The letter states that I need to appear in court on XXXX. I do not owe LVNV Funding and do n't know what the debt is. Many years ago I closed several credit cards and in XXXX went through a personal bankruptcy where all debtors were paid in full from the proceeds of a major personal injury lawsuit recovery in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inaccurate and unauthorized accounts reporting on my credit report that were added wrongfully on my credit file and are fraudulent, therefore I filled a identity theft affidavit along with the Fair Trade Commission and submitted it to XXXX, TransUnion, and XXXX. XXXX  and TransUnion and XXXX  are not doing their job and are just verifying these accounts as accurate without really investigating.