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

This is the letter I sent on XX/XX/XXXX to XXXX XXXX XXXX : My account opened XX/XX/XXXX is a charge off showing an amount past due {$2500.00} on my credit reports. This inaccuracy alone means you must remove it from my credit reports immediately. In addition, this account is indeed charged off, so why did I never receive a copy of the 1099 C which you are required by law to provide me for my taxes? I did not receive either of the 1099 C. You received a tax write off for these debts, and I should not have this debt reported on my credit profile. It is now a certificate of indebtedness and income to be reported by me to the IRS. 
Please send me any and all forms or documentation proving you have the right to report this as a debt to my credit report. If you can not provide this documentation, please remove these debts from my report immediately. 
This is also a letter I sent to XXXX XXXX on XX/XX/XXXX : Dear XXXX XXXX, I have been receiving numerous harassing emails since XXXX demanding payment for a charged off account. There are XXXX accounts that have been charged off, XXXX for {$600.00} opened XX/XX/XXXX and {$10000.00} on XX/XX/XXXX. These accounts are indeed charged off, so why did I never receive a copy of the 1099 C which you are required by law to provide me for my taxes? I did not receive either of the 1099 C. You received a tax write off for these debts, and I should not have this debt reported on my credit profile. 
Please send me any and all forms or documentation proving you have the right to report this as a debt to my credit report. If you can not provide this documentation, please remove these debts from my report immediately. 
Please cease and desist all attempts to contact and harass me through email or mail, unless it is to provide me with documentation for which I have asked. Remove these account from all three credit reporting agencies immediately. 
There are lates being reported on my now closed long standing XXXX XXXX account, It is illegal to report transaction history. P
Product: Credit reporting or other personal consumer reports

Today, I'm submitting a formal complaint to address fraudulent activity that has impacted my credit report. Upon discovering unauthorized entries, I conducted research on the necessary steps for resolution. It became evident that filing an identity theft report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov is essential. As per FCRA Section 605B, Credit Reporting Agencies ( CRAs ) are mandated to remove any items listed in an identity theft report, referencing numbers XXXX & XXXX. Attached, you'll find documents supporting the removal of erroneous accounts and inquiries from my credit report. The following items were opened without my authorization : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX. Per FCRA Section 605B ( a ), I request the immediate removal of these accounts and inquiries attributed to identity theft. Furthermore, I ask for necessary warnings to be sent to all data furnishers.
Product: Debt collection

Send debt validation letter and company has yet to respond stating this ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA [ XXXX ] XX/XX/2022 CAPITAL ONE BANK XXXX XXXX  XXXX XXXX, XXXX, VA XXXX To who it may concern, Be advised that this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 Sec. 809 ( b ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act Violation of the Fair Credit Reporting Act Defamation of Character XXXX : XXXX XXXX Agent/Beneficiary ] Done in good faith Without Prejudice, All Natural Inalienable Rights Reserved
Product: Debt collection

A collection agency, Calvary Portfolio Service, fraudulently re-aged a past due debt, making it look like the account became delinquent later than it did. The account has actually been past due in excess of seven years and is also required to be removed from my credit report by law. I have filed disputes with the respective credit repositories -- but the continue to be listed as negative / outstanding item on my credit report due to the collection agency fraudulently re-aging the debt.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

During the month of XX/XX/XXXX, Key Bank misapplied my payment to another individual 's account. When I inquired with Key Bank they said they did not receive my payment. I told Key Bank to check their records again because the money order ( attached ) was in fact cashed by Key Bank. Due to Key Bank not locating my payment they counted it as a late payment ( Key Bank reported that to the 3 credit bureaus ) and that caused a financial hardship at that time. Therefore, I had to make a double payment. I have called Key Bank on numerous/several occasions to get this resolved, but as of XX/XX/XXXX, nothing. Key Bank continues to give me the run around. I was referred to a representative name XXXX ( who has no supervisor per Key Bank employee name Trivia ) to work on resolving this issue. XXXX asked me to give her a week to find out the details. It has been a month and still no call from XXXX. I wrote to XXXX XXXX XXXX, Key Bank CEO, and again no response other than receiving my return receipt green card ( attached ) back. This is defamation of character and this has caused me to miss out on business opportunities because of the late payment Key Bank has placed on my credit report with all 3 credit bureaus. Key Bank needs to be held accountable for this, which has caused problems for me as the consumer.
Product: Credit reporting or other personal consumer reports

I have recently been working on my credit, when I got an alert from Credit monitoring service that I had an account with a company I had never heard of and a XXXX  account that I have never had. 

XXXX XXXX XXXX OPEN DATE : XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A {$2.00} dollar increase in one installment loan from interest decreased my overall credit score by XXXX points. 

The reporting agencies have put me into a stricter category for assessment of the credit profile and I believe that it is a conspiracy that your going to rare XXXX that crosses the XXXX XXXX instead of me. ( 4-6 months later )
Product: Checking or savings account

I currently work for XXXX and they recently changed custodians for the XXXX XXXX XXXX from UMB Bank over to XXXX. I requested my funds be transferred from UMB to XXXX. The funds never arrived to XXXX and they do not see any pending amounts. When I called UMB, they have no record of me ever having an account, they don't see the amount, the request of the transfer and it is all completely missing. I discovered this when I was looking for tax form 5498-SA and UMB bank did not issue it ( as they claim I never held an account here ). Every document shows my account number which UMB claims does not exist. 

I have had the UMB account since XXXX ( have previous years tax documents to show this in form of 5498-SA, 1099-SA and directly on W2 forms. The transfer was requested on XX/XX/XXXX ( documents to show this ). The amount to be transferred was approximately {$9600.00}.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized inquiries from my credit report. 
Upon reviewing my credit report, I noticed several inquiries that I did not authorize or recognize. These inquiries have negatively impacted my credit score and financial standing. Below are the details of the unauthorized inquiries : Inquiry Date : XX/XX/XXXX Creditor : XXXX Account Number : XXXX Inquiry Date : XX/XX/XXXX Creditor XXXX XXXX Account Number : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Account Number : XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX Account Number : XXXX I have not applied for credit with the aforementioned creditors or authorized anyone else to inquire on my behalf. These unauthorized inquiries are inaccurate and unjustly affecting my creditworthiness. I kindly request that these inquiries be promptly investigated and removed from my credit report. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. 

Enclosed are copies of documents supporting my identity, such as a driver 's license, passport, or utility bill, as well as any additional information you may require to assist with this investigation.

Please provide a written response confirming the removal of these unauthorized inquiries from my credit report as soon as possible. Additionally, I request that you send an updated copy of my credit report reflecting the removal of these inquiries. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute. 

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

GM Financial continues to report inaccurate information on my credit report. I have filed disputes, left messages, faxed over credit reports as well as bank statements, but to no avail. I continue to get the run around from the credit and customer service dept.
Product: Credit reporting

Hello, I have a history of on time payments, my percentage is at 99.4 %, for some reason my re-occurring minimum payment was not being taken out of my account. I would like for this XXXX late payment to be removed because it is affected my score in a negative way.
Product: Debt collection

We have received multiple calls to voicemail ( about seven so far in a span of about three minutes ) from Synchrony Bank regarding a debt collection. We do not now, nor have we ever, done any business with Synchrony Bank. I've blocked their number ( XXXX ) XXXX using my phone service but am concerned that they will harass others using similar tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Payments with Regions credit line in XXXX was late, and was paid in XXXX. Although I paid account to {$0.00}. Regions did not accurately display my payments as they said both months were late. 

I contacted Regions and told them the reason I missed was because of bills not being accurately sent to my address due to me moving, and I also did not get correspondence from Regions that I owed. I thought account was at {$0.00}.
Product: Credit card

I was out of town in XXXX paid minimum balance like also {$32.00}, then paid minimum in XXXX. Received a text stating make a payment, which I already made payments both months to find out I had accumulated {$41.00} late fee in XXXX due to fact credit card people started charging {$1.00} for paper statement which I wasnt aware, then accumulated another {$41.00} in XXXX cause I havent paid in full the late fees from XXXX. I havent received the other statement with fees yet, I spoke with representative about it.
Product: Credit card

Received the attached email stating important changes to your account-rate and fee summary. Interest rates have increased to 35 % on unpaid balance. How can interest rates increase past 29 percent?
Product: Checking or savings account

Regions is sending me a code to get into my account, but never shows up. appears to be the only way they are able to identify me, therefore they just keep my acount?
Product: Credit reporting or other personal consumer reports

XXXX XXXX has sold the alleged debt to Credit Control LLC. XXXX XXXX XXXX XXXX is still harassing, reporting and attempting to collect on this debt. This is violation of FCRA, and Privacy Act. However it is still showing on my report. The accounts ending in XXXX, XXXX, XXXX. This data is inaccurate and illegal.
Product: Debt collection

This company has 3 different amounts I owe. Ive explained to them that I no knowledge of these amounts and I needed proof. They told me, they are not required to show me proof. I told the woman on the phone. Why couldnt I have proof of something Im required to pay. I was told the only thing they can do is send me an itemized bill. Which is still not proof. And I still havent received that information yet. I never received the bills in the mail before it went to collections. Ive disputed this multiple times. They havent put any of my response on file. I want these removed from account. Please help me.
Product: Checking or savings account

So I guess an outage over 2 days ago caused Huntington 's servers. I looked on XXXX to see if they had done a notice and it already had been XXXX hrs of not having access to my money. No online website. No app. Local bank system was down and they couldn't do anything for me. Phone system is down. ATMs are down. They didn't make a notice until the next morning long after many people had complained about them not saying a word and being vague about it. It was around XXXX pm on XX/XX/XXXX when the online website came back up. Was able to move some money over for my rent and what not and was able to pay my rent in the morning. My debit card was working fine until about XXXX am of XX/XX/XXXX. Local bank can not help me. I can't sit here and wait for XXXX he's on the phone. Can't use the ATM still as mine aren't working. And my best way to get an answer is social media. No answers. Nothing. No time estimate. No help. No notice. No new information besides the continued repsonse of they're working on it. How am I suppose to pay for food and gas if I can't get to my money? They're being sketchy and somehow this takes a couple of days to fix? I want my debit card working. I have a baby to feed but they don't care.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report that is being reported by Specialized Loan Servicing is showing that I owe them over 2 million dollars. This is incorrect. They are also showing many, many late payments. I was not late on my mortgage. 
I need this corrected and I need to start receiving mortgage statements. I do not receive any mortgage statements. 

Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit account was in collections I was XXXX and they listed it as 30 days late for 12 month while I was away. I disputed this account as inaccurate and should be closed because I paid the balance once I was back and they reported it as paid and closed. My recent dispute with Equifax to have the account closed since it has been well over seven years XXXX listed my account as collection for the past 2 plus years when it was reported as paid on the report months prior that is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

All paid as agreed upon.
Product: Credit reporting or other personal consumer reports

I never opened any accounts with company. The data is clearly an identity theft and I am requesting investigative procedures to take place and removal of fraudulent accounts from credit reporting effectively. Legal proceedings will follow in XXXX days if such falsification of data isn't cleared. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Late Payment Entry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a late payment entry that appears on my credit report. According to 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including late payment entries, must be removed from a consumers credit report after a specific period of time.

The late payment in question may be outdated or inaccurately reported. Therefore, I am requesting that you investigate and, if necessary, remove this entry from my credit report. 

Under 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from reporting certain types of adverse information after the following timeframes : Late payments and other delinquencies must be removed after 7 years from the date of the original delinquency. 
Other adverse information, such as collections or charge-offs, must also be removed after 7 years. 
The presence of this late payment on my credit report is damaging to my creditworthiness. If it can not be verified or if it exceeds the permissible reporting period, I request that it be promptly removed. 

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681c ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Late payments and other delinquencies must be removed from the credit report after 7 years from the date of the original delinquency. 
Bankruptcy cases under XXXX XXXX must be removed after 10 years from the date of filing. 
XXXX XXXX  bankruptcies must be removed after 7 years from the date of discharge. 
This law ensures that outdated and damaging information does not remain on a consumers credit report indefinitely, protecting consumers from undue harm to their creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX