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

Dear Sir/Madam, I am writing to dispute a charge-off entry on my credit report and to request a copy of the XXXX ( Cancellation of Debt ) form related to the debt in question. I have noticed that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has reported a charge-off for the account numbers XXXX, XXXX which appears on my credit report. And all the accounts in orders also. As per IRS guidelines, a XXXX form must be issued for canceled debts of {$600.00} or more. I believe that this debt has been canceled, and I am entitled to receive a XXXX form for tax purposes. I respectfully request that you provide me with a copy of the XXXX form for this debt, if applicable, and update my credit report accordingly. If this charge-off is not valid, I kindly ask that you investigate and remove it from my credit file. Thank you for your attention to this matter. I look forward to receiving the necessary documentation and an update on my credit report. Sincerely, XXXX XXXX XXXX of Birth : XXXX XXXX
Product: Debt collection

This is a debt from professional debt med they are constantly reporting on my credit report and I dont know who they are and what they are looking for. I DID NOT GIVE THE PERMISSION TO REPORT ANYTHING ON MY CREDIT REPORT. 
The amount reporting is {$5000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX 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 rights 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.

15 U.S.C. 1681 c. ( 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 convictions of crimes which antedates the report more than seven years.

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

I am submitting this complaint regarding the failure of Equifax to remove fraudulent collection accounts from my credit report despite multiple disputes. 


I have disputed a fraudulent collection account with Equifax several times, accompanied by supporting documentation, including emails from the original creditor, a police report, and an FTC report. These documents demonstrate that I do not owe the debt listed. 

This collection account has been removed from two other credit bureaus but remains on my Equifax report, negatively impacting my credit score. I am concerned about the lack of action taken by Equifax to investigate and resolve this matter. 


I request that Equifax conduct a thorough investigation into this matter and remove the fraudulent collection account from my credit report. I appreciate your prompt attention to this issue.
Product: Credit reporting or other personal consumer reports

I have attempted to resolve this issue by reporting the incorrect information, which is negatively impacting my personal life and causing significant mental distress. Due to these false and fraudulent entries on my credit report, I have been unable to purchase my dream car or support my family. These items do not belong to me, and I did not authorize any of this information to be included in my report. I am a victim of identity theft. I have included my letter and the FTC report for your reference. If this matter is not addressed appropriately, I will pursue legal action.
Product: Debt collection

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. EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$3900.00} has violated my right. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$9300.00} has violated my right. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Amount : {$27000.00} has violated my right. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Amount : {$27000.00} has violated my right. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 then records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I had open this Capital One account in XXXX of XXXX. The interest was set at a 7.90 % fixed rate. However, in XXXX of XXXX, I noticed on one of my statements that my interest rate had increased. Not only had it increased then but my rate started increasing around XXXX. In XXXX of XXXX, Id sent a request to Capital One asking to receive a copy of my original application documentation. They sent my original application with a current fee agreement document. Which I didnt quite understand because I requested for my original documentations. I sent this request two additional times, with my most recent request being sent around the beginning of this month. They continue to respond with the current interest rate document that Im being charged and not my original fixed rate agreement form from XXXX of XXXX. Capital One have not fulfilled my request by sending my original interest rate and fee agreement. They continue to increase my interest rate since my initial request that was sent to them. I havent signed anything from Capital One in regards to this account since XXXX. This is unacceptable and I believe is a breach of my contract agreement.
Product: Mortgage

My husband and I are trying to pay off our mortgage. We made a payment XXXX in XX/XX/XXXX to go to principal only. They only applied XXXX to principal and the rest on insurance which makes no sense because our insurance is through the payment and is up to date. I called and the representative said that was a mistake and it was fixed and would show up on the account in five days. So when I called back in five days it was not fixed. She told us that the request was put in but never completed and she would put in another request and would take another five days! We have been trying to pay this off since XX/XX/2016! We have gotten the run around for months and we have been lied to over and over. We have had this loan for over twenty years so we sent in a offer to pay the loan to see if they would take less. We were told they approved this offer then they ordered XXXX appraisals of the property. After some digging we found out that they only do appraisals in a foreclosure. We called back only to find out that not only was the pay off request not sent in also the lady we talked to does n't work there any more. We are at our wits end and need help. Thank you
Product: Credit card

On XXXX XXXX, XXXX I contacted Citibank XXXX to inquire about a closed credit card account I have been paying on. I have been on a special program under Citi since XXXX XXXX. At that time Citibank offered me a retiree on a fixed income ( which the bank has no respect towards ) a ludicrous settlement offer of paying {$170.00} a month. That was it! I started paying but later could not. Citi then offered me a plan ( which they could have at first ) of paying {$70.00} between XXXX XXXX to XXXX XXXX. In XXXX of XXXX another settlement arrangement was agreed where I had to pay {$70.00}. This still holds true today. 

In XXXX XXXX I requested an interest to settle the account, but was informed a settlement option was not available because the account is enrolled in a Balance in Full payment arrangement program. These programs are suppose to be offered at a discounted amount on the balance, but Citi has created their own policy and would rather dry your pocket of every cent.Fast forward to XXXX XXXX, XXXX inquiry about the account. I was informed that the account is 169 days past due. A closed account past due? The banking rep stated that the account though technically closed, really is no, t according to Citibank policy. No laughing matter but I see why Citi gets into trouble due to their malfeasant banking polices of " soaking '' as much money out of the consumer as they can!
Product: Debt collection

I was contacted by  Stallings Financial Group o n Friday,   XXXX   XXXX    2017 at  my place of employment concerning a claim that I owed {$180.00} to   XXXX   XXXX   XXXX   XXXX   XXXX  . I spoke with  XXXX   XXXX  and explained to her that the debt had been paid previously. She stated I would have to have the practice contact her and confirm this. The practice was closed for lunch when I contacted them so I logged onto their patient portal and made the request. This payment had been made on Monday,   XXXX   XXXX    2017 by  means of my  XXXX   XXXX  for which the payment information had been dropped off in-person at the practice.     This amount had gone overdue due to the practice sending the invoice to the wrong mailing address. They had the correct mailing address but did not use it. I had not been informed of the debt until the current resident at my old address had provided me with some pieces of mail that they had received for me.     I contacted  XXXX   XXXX  by  telephone  a second time on Friday,   XXXX   XXXX    2017 an d told her that I had a copy of the   XXXX   XXXX   statement showing the payment had been made a full month earlier. I asked how I could email this to her and was told to email the scanned copy to   XXXX  , include the Item number and that they would take it from there.     On Saturday,   XXXX   XXXX    2017, I r eceived a letter from  Stallings Financial Group  demanding payment for this same debt. On Monday,   XXXX   XXXX    2017 I co ntacted  Stallings Financial Group  and again spoke with  XXXX   XXXX . She stated that they had not received the email and to resend it. I told her that I wanted a fax number to send the information to as emailing this information had not been effective previously. I called her back 2 hours later and she stated she had received the fax and that it was being " reviewed '' by her manager. I asked when I would receive a call back or when I should call them back to confirm that the issue was closed. She informed me that I should " give it a week ''.
Product: Credit card

CAPITAL ONE violated my rights In accordance with the Fair Credit Reporting Act, under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. CAPITAL ONE has also violated the Minnesota Commerce Department ( PCFA ) by violating my right to delete, my right to opt out, and my right to limit. I provided CAPITAL ONE two ( 2 ) notices exercising my rights under FCRA, FDCPA, and PCFA and they continue to recklessly and negligently violate my rights. CAPITAL ONE also has also violated my rights to privacy under the 1974 privacy act by sharing my personal information with the credit reporting agencies : namely, XXXX and XXXX. CAPITAL ONE has also committed securities fraud by using my personal information and the note attached to the installment agreement, as receivables to put into their trust and continue to make profit by continuously trading those notes on the primary and secondary markets. This is all according to their own company 's 424B prospectus. However, CAPITAL ONE failed to remit the equitable interest to me as a silent investor and bonafide purchaser into their company. Lastly, I sent to CAPITAL ONE a properly indorsed and endorsed note, giving it value, for CAPITAL ONE to satisfy any outstanding financial obligations but remit to me the equity to which I am claiming all rights, titles, and interests and revoking the same from CAPITAL ONE. CAPITAL ONE is also in violation of 15 USC 1692g ( a ) as they have not communicated any debt owed in writing.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove a fraudulents accounts from my report, they are hurting my ability to obtain credit.
Product: Debt collection

I was a victim of identity theft in XX/XX/XXXX. I have requested all credit bureaus place fraud alerts on my credit report since the identity theft took place in. As a result of my identity being stolen the scammer/fraudster successfully created an account with XXXX XXXX XXXX XX/XX/XXXX. I was contacted by the company regarding the new account and was informed that I owed them {$170.00} ; I sent multiple emails regarding the account being fraudulent and explained in detail that my identity had been stolen and that I did not own a business or have a need for a square account. It was my understanding that XXXX XXXX canceled the account and cleared the {$170.00} charge linked to my name. 

On XX/XX/XXXX I received a debt collection letter from the following company : XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX Email : XXXX Phone : XXXX The letter Stated : XX/XX/XXXX Hello, XXXX XXXX. We're TrueAccord Corp, a debt collector. We are trying to collect debt that you owe XXXX. We will use any information you give us to help collect the debt. Our information shows you have an account with XXXX. The address on file for you is XXXX XXXX XXXX, XXXX, OH XXXX. As of XX/XX/XXXX you owed {$170.00}. Total amount of the debt now- {$170.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

540
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 items ( A ). It is not permissible to fail to validate these reporting items 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 updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Don't recognize the account never applied
Product: Credit reporting

I have disputed several times that the frontier account was not mine. You guys keep saying that you are verifying with XXXX that the account is mine. I spent over an hour on the phone with XXXX today and they could not find me by name, address or social. XXXX from frontier sent an email of the call stating that i do n't have an account nor have I ever had an account with XXXX. He also put a copy of the escalation in the email that shows he requested for me to get a copy of this information on XXXX letter head. Im asking that with attached documentation that this account be removed immediately considering that this account is seriously affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I closed my account with XXXX XXXX Bank. The bank then about a week later sent me a confirmation email about me closing my account. A month later, the bank then placed a late payment on my credit report, which is inaccurate. I have disputed this late payment with them to no avail. I contacted TransUnion and mailed in all of the documents showing that I could not have been late, as I no longer had an account. The only thing TransUnion said it could do is open a new dispute. I am sick and tired of disputing, they need to just remove this from my account before I take them to court! The information is simply inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account that i paid on time every month without ever missing a payment. I recently tried to get qualified for a home loan and i noticed that i had a 30 day late payment from this account. I was never notified and i never fell behind on any payments. when i call no one can really give me a straight answer as to how it was late and honestly i don't have the records of it but i know i was never late because i had it set up on automatic payments from my account. Please assist me in getting this removed from my account and show my account as paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX {$2400.00} not mine, no knowledge of accounts hippa violations
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : XXXX, 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 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 XXXX personal credit card accounts opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) and ( XXXX ), an energy/electric account opened at XXXX XXXXXXXX attached to XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a fraudulent Rental of Apartment at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) that is attached to a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$990.00} that appears related to the aforementioned Rental Apartment rented at XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 # ( XXXX ) 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: Student loan

I submitted a Federal Consolidation Application for all of my loans, however, Navient only consolidated some loans making the consolidation ONLY benefit the bank, Navient. 

They consolidated only my oldest loans, from XXXX they only ones I also had payment history on. They did not combine any other loans and so the recent loans with higher rates were not included. 

There was no benefit at all for me the borrower, despite the offer that consolidation would benefit me. Here 's what happened instead, benefitting just Navient, the bank : they capitalized {$22000.00} in interest to the principal of the loan, lowering my credit score instantly, and they changed the loan date from XX/XX/XXXX to XX/XX/XXXX thereby ensuring I will be dead before any loan is paid off. 

US Dept of Education sent me this consolidation under the guise I 'd have lower interest, one payment, more options to pay it off but instead this has benefitted ONLY the bank! Finally, when I 'm on the Federal Student Aid clearinghouse website there is no appication to review and loans from XX/XX/XXXX prior have no MPN. How could the application just dissappear? 

I appreciate your investigation into why borrowers are being scammed by US Dept of Ed and Navient into consolidation that harms the borrower. I 've mostly been unemployed so this truly hurts me multiple ways.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/24 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Prepaid card

Please help me with a refund for card ending in XXXX from XXXX for {$97.00}. Because XXXX XXXX XXXX XXXX charged me {$120.00} on the same card for a one night stay on XX/XX/XXXX and the people at XXXX sounded confused this time.
Product: Debt collection

From XX/XX/XXXX - XX/XX/XXXX. Phones at six and seven times a day.