23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Jefferson Capital Systems XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for Original Purchase Agreement Hello,, I hear by dispute the validity of the alleged debt listed below entirely. I also request verification off all alleged debt, specifically a copy of the original Purchase Agreement. A n agreement must be with the original creditor and sign by all parties involved. I am requesting this because I have had different companies reach out to me regarding the same alleged debt. 

XXXX XXXX - XXXX - {$790.00} It is my priority that all such agreements and associated practices fully comply with applicable credit monitoring laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 
We value a transparent and compliant business relationship and believe that addressing these matters will ensure that both parties meet their regulatory obligations while safeguarding consumer rights. I am requesting IMMEDIATE Deletion of all prior reporting made to any consumer reporting agencies, XXXX, XXXX, XXXX, and XXXX. You MUST Cease Collection efforts until this alleged debt is validated. You MUST show proof that you legally own this alleged debt and that is accurate and complete. 

To ensure our mutual compliance and the protection of consumer information, we kindly request the following : Provision of Agreement Documents A complete copy of the proposed Purchase Agreement outlining the terms, conditions, and obligations of both parties. 
A detailed copy of the Forward Flow Agreement, including the volume, pricing structure, and scheduled transfer dates for the accounts involved. 
Compliance with Credit Monitoring Laws An explanation of how XXXX XXXXXXXX XXXX ensures compliance with the FCRA, FACTA, and any other applicable credit monitoring laws in its account reporting practices.
Product: Credit reporting or other personal consumer reports

XX/XX/year>2024,

I reached out via certified mail to dispute the account for the 2nd time. Since spring of 2024 this credit bureau has been violating my rights by continuously reporting an account negatively every month as a repossession even after I have provided them with proof that the car was paid for and redeemed from the finance company. They refuse to do their part and update the account accurately as current so It needs to be removed with no further delay.

The account in question would be XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was made on time. My records show that the payment was submitted in XXXX and XXXX, XXXX, well before the due date. I have attached bank statements and payment confirmation receipts as evidence of this timely payment. 
Additionally, I did not receive any prior notice or warning of a delinquency, further suggesting that there was an error in processing or crediting my payment. 
This inaccurate late payment entry has resulted in unjust negative consequences on my credit score, affecting my ability to secure favorable credit terms. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XXXX/XXXX/XXXX I contacted Wells Fargo because I initiated a XXXX transfer to a friend of mine. When my friend received the text confirmation, it was telling her that it was being sent to a XXXX XXXX that she didnt have anymore. When she contacted XXXX XXXX, she was told that her account was inactive and in order for her to open the account she had to make a deposit. XXXX XXXX is n't available in California, so she was unable to reactive her account. Her and I got on the phone with Wells Fargo, and we initiated a dispute due to the fact that the transfer was showing that it was going to a XXXX XXXX account ( apparently she had an old account that was attached to her phone number so when i entered hr phone number to send her money, it went to XXXX ) We opened the dispute and now we are being told that the dispute is n't in my favor because it shows that it was deposited. If Wells Fargo contacted XXXX XXXX they would of found out that the account the money is being sent to is n't active anymore and the dispute would go in our favor The amount of the transaction is XXXX made on XXXX. We resubmitted a second transaction of XXXX through XXXX ( due to the fact that it was a rent payment ) and it went through correctly the second time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here 's the list of inquiries which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

XX/XX/XXXX applied for XXXX XXXX by Chase Bank credit card. 
XX/XX/XXXX called in regarding for application status. 
The rep told me I was denied.
Product: Debt collection

I am a cosigner of student loans for my son, unfortunately he has XXXX  XXXX and therefore his student loans was discharged by bank, i have received from XXXX XXXX a proof of a letter that loans was discharged and no obligation to repay the loans. But unfortunately all three credit companies ( Transunion, XXXX  and XXXX  ) keeps an amount of {$26000.00} and {$25000.00} on my Credit Reports as a Balance. i was trying to Dispute on their websites a few times on XX/XX/2021 but always appear a message " '' We encountered an error when trying to access your credit history report '' '' '' ''
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Capitol one did a hard inquiry after sending me notice that I was pre-authorized to refinance my car. Webpage advertises no impact to credit. They did not advise that even though I was a current customer that they would be doing a hard pull on my credit, this resulting in an inquiry on my report. I would like it removed from all three credit bureaus. I did not authorize a hard pull nor was I advised
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX Phone : XXXX Email : XXXX Experian Dispute Resolution Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute the accuracy of the information on my credit report, as provided by Experian. My name is XXXX XXXX XXXX, and I have attached a copy of my credit report, along with documentation supporting my claims, for your reference. 

Despite my previous attempts to resolve this matter, Experian has failed to investigate and address my claims, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I filed for bankruptcy, and there are still accounts listed on my credit report that should have been removed in accordance with the bankruptcy discharge. These accounts continue to reflect inaccurately and are negatively impacting my creditworthiness. 

I respectfully request that Experian : 1. Conduct a thorough investigation of the accounts I have flagged as inaccurate.

2. Remove or update any accounts that were included in my bankruptcy filing and discharge.

3. Provide me with a corrected copy of my credit report reflecting these changes. 

For your convenience, I have included : A copy of my bankruptcy discharge notice. 
A list of the accounts included in my bankruptcy filing. 
A copy of my credit report with the disputed accounts highlighted. 

I expect a prompt response within the legally required 30-day period, as outlined under the FCRA. If Experian fails to take the appropriate action, I may escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal remedies.

Please confirm receipt of this dispute and provide updates on the status of your investigation at the email address or phone number listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Prepaid card

Got a {$20.00} gift card sponsored by XXXX XXXX  for XXXX. Went to XXXX 's and tried to use it. It was denied. Called the number on the card. Was disconnected XXXX and the XXXX time on hold XXXX minutes while representative tried to get the card to work or approved by someone. First was told to try another XXXX 's, then another store all together. After close to XXXX minutes, gave up. XXXX  # XXXX XXXX XXXX XXXX through XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

During application of home loan process, I was informed my credit scored has been hit by certain potential fraud actions someone took using my personal information. I do not recognize the hard hits that were made on my credit score and it appears somebody provided my details to those lenders/credit card companies. 
I want to remove these transactions that are hitting my credit score as these unauthorized hits are impacting my score and potential home loan rate. I have not been late on payments for credit cards bills and do not have any significant debt that could impact my score. I am in a permanent job as well and make good money. So, I request to take into consideration for removing these fraudulent activities that are impacting my credit score for no reason. Thanks so much.
Product: Vehicle loan or lease

I was served again on XX/XX/XXXX from XXXX XXXX Sheriff 's office - stating I had a balance due of {$2600.00} to Lobel Financial Corp. This is supposed to be remaining balance on a debt from XX/XX/XXXX. 

Original Levy was entered on XX/XX/XXXX against me at my prior Employer - Then was XXXX XXXX XXXX XXXX XXXX- The total due then was {$5300.00}. I paid a total on that levy thru garnishment/payroll a total of {$2300.00} In XXXX of XXXX, I changed to a new job with XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX i was served again for Collection via Lobel Financial Corp thru the XXXX Sheriff 's office for a total of {$5600.00} - I made payments every payday, and paid off the total balance of of XX/XX/XXXX. 

Now, out of nowhere XX/XX/XXXX they served me yet again, for a total now of {$2600.00}. I went down to the XXXX XXXX Sheriff 's office, and was advised I would need to deal with Lobel Financial Corp as they were just the " Bookkeepers '' Attempting to collect the debt. I asked what the debt was for, and they stated " Daily interest '' from the balance that I already paid off. This is Horrible. I contacted Lobel FInancial, and asked for the date of my original Repo which was XXXX of XXXX. 

They would not give me any further information. I do not feel it is within their legal right to pursue any further debt for this 11yr old balance. Especially because I was garnished at 2 jobs, and paid over $ XXXX total which more than clears the original balance owed. 

i Feel it is harrasment at this point, and they are not following the legal law, and how can they collect interest on a debt 11yrs old that was sent to a collector and paid as agreed including the fees by the XXXX Sheriff office . 

Let 's not even mention, the vehicle sold was a lemon, and I voluntarily gave the repo as the vehicle was unsafe and not running. I have moved on in life, and I want them to be forced to leave me alone and close the case.
Product: Debt collection

i noticed a collection on my credit report that does not belong to me and i tried to communicate with the agency but unable to resolve it because of their extortion tactics
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXXXXXX XXXX  : ACCT # XXXX, XXXX  ACCT # XXXX, XXXX XXXX ACCT # 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 instruction 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating a to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My TransUnion account shows a collection account for XXXX XXXX XXXX XXXX I contacted XXXX. The account was closed and charged off in 2013. I filed a dispute with TransUnion and the contacted the current owner of the collection, XXXX  and XXXX XXXX They verified the account as accurate but, they did not check into the charge off date and date of last payment. I have tried to contact XXXX and XXXX but they will not provide me with any information but continue to make harassing and threatening phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States that 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 instruction.

I am a victim of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$9700.00} XXXX  XXXX Balance : {$3900.00} XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$3900.00}
Product: Credit card or prepaid card

I am writing to file a complaint against Comenity Bank for engaging in predatory lending practices. In XX/XX/, I made a jewelry purchase at a store where I was coerced by the sales representative to sign up for a credit account with Comenity Bank. 

The sales representative promised me a XXXX interest-free financing plan for the purchase, which I agreed to and signed the contract. However, I recently found out that interest started accruing after XXXX months of financing, which has resulted in me owing XXXX times the original amount that I borrowed. This is an utterly unacceptable practice, and I am in a state of shock that Comenity Bank has been allowed to engage in such practices. 

I strongly believe that the sales representative from the jewelry store deliberately misled me into signing up for the credit account by misrepresenting the terms of the financing plan. I had no idea that interest would start accruing before the XXXX period was over. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigates this matter and takes appropriate action against Comenity Bank and the jewelry store for engaging in predatory lending practices. Additionally, I request that Comenity Bank rectifies this situation and reverses any accrued interest and fees that were wrongly applied to my account. 

I appreciate your attention to this matter and look forward to hearing back from you regarding the steps that will be taken to rectify this situation. 

Sincerely,
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized and i am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALLY FINANCIAL 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

I have written the bureaus and they have not corrected the issues. I have multiple inquiries and have asked to to show proof of my signature requesting inquiry. If not they must remove from my report. 

here are the inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Discover Bank {$3000.00} This account has been charged off as a bad debt which is now considered income for me that is required that I file on my taxes according to the IRS and the FCRA income should not be reported on my consumer report The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate.Duty : a moral or legal obligation ; a responsibilityAccurate : correct in all details ; exact.Prohibition : a law or regulation forbidding something. As Defined by The IRS. Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 15 USC 1681 s-2 says a furnisher of information to a consumer reporting agency is PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS 2021 publication. SEND ME MY FORM 1099-C that you should have sent when you Filled the account as a canceled debt.