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

XXXX XXXX XXXX is being reported inaccurately on my report. I contacted XXXX XXXX to advise the about a hardship due to covid 19 and that I would be paying the car off within 2 months ... .They agreed not to report late payments due to this hardship due to the pandemic. and I in part held up my end of the bargain and paid the car off last month. I need them to delete the late payments that they reported as we had an agreement and this was cause by a pandemic. also they are still reporting a balance on my report and have not updated since XX/XX/2020 ... please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent XXXX XXXX a certified letter with return receipt in order to dispute the derogatory remark the company placed on my credit and is visible on my credit report. I requested that XXXX XXXX, immediately delete this derogatory remark. The last reported activity on this account was reported when it was closed on XX/XX/XXXX, 4 years ago. I requested that your company send me a response to which the remark will be removed or not to my address listed above within 30 days. Please keep in mind that derogatory credit accounts are defined as the following : disputed accounts with late payments in the last 24 months however my account has been closed for 50 months now. The 30 days have passed and I have not received a response from the company. However the return receipt proves that they did receive the letter I sent.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a charged-off account on my credit report. I believe there are inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681eb. 
I have reviewed my credit report, and the aforementioned account is adversely affecting my creditworthiness. I am disputing the accuracy of this information for the following reasons : 1. Lack of Verification : I request that creditor provide verification of the charged-off account in question, including the date of first delinquency, and any other relevant information supporting the accuracy of this entry.

2. Non-Receipt of XXXX  Form : As of XX/XX/2024 I have not received a Form XXXX  (
Cancellation of Debt ) from the creditor for the charged-off debt. According to IRS guidelines, creditors are required to provide this form when a debt is cancelled or forgiven. Failure to do so may violate tax regulations. 
3. Violation of 15 USC 1681eb : I believe that the reporting of this charged-off account without proper verification and documentation may be a violation of the Fair Credit Reporting Act, specifically 15 USC 1681eb . I request that the creditor investigate this matter thoroughly.

Please provide a detailed investigation into the accuracy of the reported charged-off account, and if it is found to be inaccurate or incomplete, I request its prompt removal from my credit report. 
Additionally, I request that you investigate the failure of this Creditor to provide the Form XXXX, as this may have tax implications for which I am not currently informed. 
I appreciate your attention to this matter and expect a timely response within the 30-day period stipulated by the FCRA. If you are unable to complete the investigation within this timeframe, I request that you inform me of the delay.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. 
They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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 appreciate you making the effort to update and remove some of the data on my credit report, but there are still items that need to be fixed and deleted. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX, 2021 I mailed in a full XXXX XXXX Compliant Challenge Complaint on the credit profile under my name that is listed with the Credit Reporting Agency. I did not receive any response to my Challenge from the Agency and it has been over the allotted 30 day investigation period.
Product: Credit card or prepaid card

On XX/XX/18 my Husband called me at XXXX ( EST ) and stated Kohl 's was on the other line and stated that I had a payment due. My husband proceeded to tell me the exact amount that was due and even how the bill was sent to me. My husband stated to Kohl 's that he is the only one that pays the bill and that something must be wrong. That is when a rep from Kohl 's advised of the amount to him and that the statement is emailed to XXXX. I hung up with my husband and immediately called Kohl 's as my privacy was violated. I am the ONLY one on the credit card and he has no right to any kind of information on the account. I called Kohl 's at XXXX ( EST ) on XX/XX/18 to address this issue. I was on the phone for 28 minutes. I spoke with " XXXX '' ( employee # XXXX ) who piddled around answering my question as to who is entitled to have information on MY account. She finally stated only I was able to have information. I asked to speak with a manager. I believe someone by the name of " XXXX '' got on the line and I did not trust he was a manager. Finally someone by the name of " XXXX '' ( employee # XXXX ) got on the line. He stated he was the " site manager ''. I explained by story and that I needed this corrected as my privacy was violated by providing out personal information to someone not even titled on the account. I advised I needed a call back with a resolution to this issue and requested a call back by XX/XX/18. I was reassured that I would have a call back. I even verified my cell phone number as the number of contact. I have yet to hear back from Kohl 's in regards to my violation of privacy and failure to protect my information.
Product: Checking or savings account

Starting on XX/XX/2021. Someone went into a Chase Bank in or near the suburb of XXXX to deposit for checks of XXXX and made a withdraw of XXXX. The checks were not written to anyone on the account and were not endorsed properly. We contacted Chase and file a dispute which was supposed to get settled because of the mistake of Chase Bank and potentially an employee ( s ) of theirs.I did not request nor was involved in that transaction and when Chase was informed, based on my experience, failed to investigate and remedy this situation. 

Next, according to the XXXX police department they came to my parents and sister place asking about this transaction and inferred we stolen or committed a crime. I am alleging that an employee or Chase bank gave my families and my personal information to the XXXX police department. The police did not have a warrant or any type of court order. How did the police get this type of information. I am requesting an investigation into all employees of Chase Bank who have access my account information and all information of my family connected to this account. Furthermore, Chase has not reached or mailed any type of information. The police departments have been targeting certain groups unfairly and this type of behavior from Chase, allegedly, is uncalled for.
Product: Debt collection

XXXX disregard for the Fair Debt Collection Practices Law
Product: Debt collection

I received a letter from XXXX XXXX on or about XX/XX/XXXX. They offered me a " reduced balance opportunity '' for a XXXX  debt. However I contacted XXXX and I do not nor have I have ever had a debt owed to them. I called the number listed on the letter and it just disconnects after being placed on hold. <P/>The date of the letter is XXXX17 The sender is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX, WA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Made several attempts via mail to obtain debt verification however the company has failed to respond within the XXXX days as requested per the FCRA, companies failure to comply with the FCRA with the requested information is in violation ahd is damaging my credit as well as my reputation.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX
Product: Credit card

Missed Payments- Due to financial hardship and Covid 19, I was unable to work during these periods. 

XX/XX/2022 XX/XX/2022 XX/XX/2022 Late Payments- Due to financial hardship and Covid 19. 
XX/XX/2022 XX/XX/2022 XX/XX/2022 I have disputed these remarks but to no avail.
Product: Credit reporting or other personal consumer reports

I noticed something on my credit report that I have no knowledge of I noticed it in 2022
Product: Checking or savings account

I have been a customer and client of SunTrust bank for a very long time. The bank has been very professional and communicative having competent staff and brilliant workers. I have been very satisfied with the services of your bank until now. I am very disappointed with the recent discrepancy of your team regarding a matter of the unauthorized transaction. 
On XX/XX/2021, at XXXX Someone impersonated myself drafting {$1000.00} from my account. It seems very odd that this transaction was preformed just a couple days after receiving the stimulus check from the government, not only that, I also did not receive any paper statement on the month of XXXX or XXXX, but previously I have been receiving the paper statement without any issues. When checked with the teller. she explained that somehow, I was switched to receive electronic statements, which I had never done either, since I need the statement provided for my HUD low-income renting apartment manager. So, after not receiving the paper statement on these months, my son and daughter in law helped me to signed up to online banking and I found out about the {$1000.00} withdrawn on XX/XX/2021. Them, I immediately disputed the charges on XX/XX/2021, the banker that assisted me to open a new account and to do the claim for the unauthorized charges. 
On XX/XX/XXXX I received a letter from the fraud assistant center stating that after careful consideration they were unable to honor the claim, talking about the rules and regulations of 30 days which are totally wrong. The rules and regulations are 60 days as its stated on the own SunTrust Bank page 22. The letter is also saying that the bank should be not liable for any unauthorized items of your statement unless you are giving notice within 30 days after receiving the statement, but the XXXX statement was never received otherwise I will be reporting this earlier. Fortunately, I was able to catch it online and reported before the required 60 days, for that I am entitled to receive my stolen money back. 
I returned to the bank Yesterday trying to solve this issue. I was received by a banker she was very professional but said that there was nothing that the bank could do to solve this matter. 
I really appreciate any help you could offered. thanks
Product: Money transfers

On XXXX XXXX, I received a request for funds from a relative in XXXX who needed it for an emergency on the following day. I had not sent money to this relative in many years, so I had to fill out a form with Western Union to be able to send the money. When my relative tried to cash the money transfer, he was denied the funds, but not given a reason why. When I got involved, a representative told me that either he submitted an official ID through e-mail to western union ( XXXXXXXXXXXX ), fax it, OR we had to send a letter of explanation to Western Union with a picture of my signature. There were problems with both options : my relatives in XXXX do not have the technology or the know how to e-mail the picture ID, and the letter of explanation had to be accompanied with many details I do not know about my relative, and that I know well he would n't be willing to give me. These were facts such as date and place of birth, occupation, address, etc. I must mention here that while I have a moral obligation to assist this relative, our relationship is not the best. So I decided to cancel the money transfer, with the intention to re-send it to another mutual relative who is in my Western Union profile and receives money transfers without any difficulty. She could in turn deliver the funds to the original intended recipient. This is the part with which I have a problem : Western Union stated that that was n't an option at all. How is that possible? Either my estranged relative submitted an ID, which I was not even sure he had, and he stated that it would be too difficult for him, or I submitted the letter of explanation. Else, according to Western Union, they would keep the funds for a year and then submit it to the Treasury Department. 
This defied any sense of logic. It was my money and I simply wanted to cancel the transaction. I called back to seek an explanation ( was it a regulatory requirement or simply an internal policy? What gave them the power to simply keep my money? ) I was NOT given a reasonable explanation. Their explanation was basically " that is the process. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I'm a senior citizen and a victim of identity theft. XXXX Experian has posted a Bankruptcy on my credit that isn't mines. I need this updated on their report and verified
Product: Debt collection

I was notified by email that I owed {$1700.00} on XX/XX/23 for an apartment complex named XXXX XXXX. I asked for the validity of the charges, dates, and proof of agreement and never received it.
Product: Mortgage

Newrez and Shellpoint acquired XXXX home loan in XX/XX/XXXX and began to service my mortgage. Unfortunately they are using the same illegal practices as XXXX. False claims of late fees, escrow deficits, unapplied funds and non payment. I have requested a detailed transaction analysis of the life of the loan and they have refused to provide this. The Newrez/Shellpoint website does not facilitate mortgage payment unless false claims of late fees and 'unapplied funds ' are paid. These servicers make it almost impossible to make a payment over the phone. I did so In XXXX and recorded the call to prove the payment was made. I later received emails claiming no payment was made.I also attempted to use bill pay and requested the servicers account number which they refused to provide. Today I received a registered mail letter from Shellpoint threatening foreclosue and reporting me to a credit agency to harm my credit score. My loan is current, there is no escrow deficit and payments are on time. The XXXX mortgage payment was made XXXX XXXX. The XXXX payment was made to Shellpoint over the phone to a representative after not being able to pay via their website. The XXXX payment was made on XX/XX/XXXX to Newrez via Bill Pay from XXXX  XXXX XXXX and the XXXX payment was made XX/XX/XXXX via Bill pay tfrom XXXX XXXX XXXX to Newrez. Newrez and Shellpoint are sister companies and both are complicit.
Product: Credit reporting or other personal consumer reports

As of XX/XX/year> upon reviewing all three of my credit reports they reflect that the disputed accounts are closed and negative on my credit reports. I never gave any consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am, XXXX XXXX XXXX, a natural-born life breathing consumer submitting this complaint to TELETRACK and there is no third party involved. TELETRACK has violated 15 U.S. Code 1681b ( 2 ) by furnishing these inaccurate items on my consumer credit report WITHOUT MY WRITTEN INSTRUCTIONS OF I, THE NATURAL-BORN CONSUMER. I DEMAND REMOVAL/DELETION effective immediately and I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. These items are inaccurate and different among all three credit reporting agencies. I ALSO DEMAND THE TELETRACK VERIFICATION METHOD. WITHOUT RECOURSE. 
I HAVE WRITTEN YOU ONCE, AND YOU FAILED TO REPLY CLOSING THE CLAIM FRAUDULENTLY, IF YOU DO SO AGAIN I WILL FILE LITIGATION.
Product: Prepaid card

Edd issued XXXX relief which I applied and wasngranted. Someone had without my consent changed information on my edd account and locked me out. Bank of American wouldn't help me either so I filed a fraud case with edd. Took them almost 7 months to close everything down. Boa will not refund money that I didn't have access to that was taken. When I requested paperwork for it they only gave me bits and pieces of what I asked for. Plus when they did finally shut it down the last XXXX + charges are from edd but they have no record of these transactions. After XXXX long years of fighting to regain my name, verify in my accounts, and after hours of phone calls I've been told to kick rocks by bank of america. this whole experience while XXXX was happening ruined me, my business, my relationship, my cars gone and I've lost my house. Unable to regain any footing has even left me homeless the past two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were all in default w ith 120+ l ates -- transferred and closed ... I disputed with the credit bureaus and told them that there are multiple duplicate student loan accounts on my credit report and if they ca n't determine which ones are duplicate and original, that they must delete them all ...  .Yet,  I have duplicate student loans on my report and it looks as if I had multiple loans and I had originally borrowerd {$3500.00} now my loans are totaling {$7500.00}. Now it looks like I have numerous loans and I do n't.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

My mother works for the Federal Government and she noticed a lot of inquiries so we pulled my report and I have 19 inquiries that I didn't authorize. She received a letter at the beginning of the year saying that our data had been breached. She has insurance on me and my sister, so our information was also part of that breech. I have not authorized anyone to run my credit. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2023
Product: Debt collection

Hello, Recently I have noticed several new negative accounts added to my credit report. The accounts are listed as " Trident Asset Management ''. The address listed on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA ( see attached ). I am unaware of these accounts and mailed a letter directly to them requesting validation. Today I received notice that " My item is undeliverable and will be returned '' ( see attached ). Please let me know if there is any additional information you need in order to process this request. Additionally, I will upload a photo of the returned letter when it arrives at my address. Thank you for your help in this matter. 


Additionally, I was never informed of these alleged debts and never received a notice of right to dispute.