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

Dear Sir/Madam, I have reached out to all 3 credit bureaus multiple times to bring to their attention the presence of inaccurate charge-off accounts on my credit report, which are negatively impacting my credit profile and hindering my ability to secure financing for purchasing a home. I believe that these accounts have been improperly furnished onto my credit report, and I am now seeking assistance from the CFPB to rectify this matter. 

Firstly, I want to emphasize that according to the Internal Revenue Service ( IRS ), charge-off accounts are considered ordinary income and cancelled debt. As such, it is crucial that any charge-off accounts reported on my credit profile be accurate and compliant with applicable laws and regulations. However, I have discovered that the following accounts have been inaccurately reported as charge-off accounts 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 Account XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Furthermore, I would like to highlight that I have not received a Form 1099-C for any of the aforementioned accounts. The failure to provide a Form 1099-C, as required by U.S. Code 15 U.S.C. 1681eb, is a violation of my rights as a consumer. I firmly believe that the absence of this required documentation further invalidates the accuracy and legitimacy of these charge-off accounts on my credit report.

In light of these discrepancies and violations, I kindly request that immediate action be taken to investigate and rectify this situation. Specifically, I request that the CFPB promptly assist with removal of the aforementioned accounts from my credit report, as they have been inaccurately reported and are causing significant harm to my creditworthiness.

Thank you for your cooperation and assistance in resolving this dispute. I look forward to a favorable resolution and the removal of these inaccurate charge-off accounts from my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

Source Receivables MNG is requesting payment for a XXXX account worth {$10000.00}. The collection was opened on XX/XX/2019. I disputed the charge on both XXXX and XXXX, but both didn't find identity heft. I called Source Receivables MNG and was told to fill out a fraud packet. I have never had a XXXX Account. My whole family uses XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the beginning of this loan, we contacted XXXX because we were having difficulty paying this loan in XXXX and XXXX of 2021. My husband just switched jobs XX/XX/2021 and I was still looking for one because we relocated. XXXX told me to just pay when we can and we will figure it from there, they did not offer us the COVID relief program that they had in place which I later found out about. We had to switch jobs and relocate due to the lack of work available in our old home due to COVID.
Product: Credit reporting or other personal consumer reports

I have already attempted to resolve this issue directly with the creditor or financial institution, but I have not received a satisfactory resolution. I am now requesting assistance in addressing this matter to ensure that my rights as a consumer are protected during the bankruptcy process.
Product: Debt collection

Dear Nelnet Inc. 

You are representing XXXX in the aforementioned account XXXX listed under XXXX XXXX. Mr. XXXX has advised your company in previous complaints against XXXX XXXX that the accounts where in dispute prior to you receiving them for servicing. After reviewing the promissory note you claim that is verification of the deficiency balance. You also claim that you had sent Mr. XXXX copies of the payment history on this account. You ( Nelnet ) and XXXX have purposely devised misrepresentation of material facts. The documents I have been provided by MRXXXX XXXX clearly state that you are the student loan corporation using Nelnet systems. 

You claim this is a legitimate claim, however when you had sent the loan to XXXX XXXX they returned it back to you finding errors and your collection attempts and validation request was denied. You attempt to collect this debt although Mr. XXXX had disputed this account with XXXX XXXX violating provisions of the FDCPA. 

You are required by law to provide full validation, a promissory note is not sufficient for full validation request pursuant to section 623 of the FCRA. 

This debt is disputed and a request is made to notify the data furnisher of disputed information on XXXX XXXX XXXX XXXX. 

This claim is for the following creditors, servicers for a private student loan originating XXXX and XXXX from XXXX XXXX. A XXXX Assist student loan. Please verify with thXXXX National Student Loan data systems that this loan was dispersed to the institution attended.
Product: Credit card or prepaid card

On XX/XX/2021, at XXXX pm, I purchased a {$50.00} Netspend card # XXXX, from my local XXXX. I paid {$52.00}, the receipt indicates the following : XXXX # XXXX TRN # XXXX XXXX # XXXX STR # XXXX I made multiple attempts to activate the card, three times by using their phone number, XXXX, using their website, and attempting to email them. The phone number and website wouldnt let me do anything at all. The emails were an automated response full of indecipherable code. 

I just want my money back. Im recently widowed and spent half of my remaining cash on this. Its extremely frustrating.
Product: Mortgage

I spoke with Select Portfolio Service counselor back XX/XX/XXXX regarding my loan which was 60 days delinquent. I told them I was experiencing financial hardship and the SPS rep suggested I apply for a Loan Modification. That's when the nightmare really begins. After more than two months of back and forth, I was denied for modification and at that point, they referred my loan to a foreclosure attorney XXXX XXXX XXXX in XXXX. 
Serval times I offered to catch up payments however they would not agree to forbearance. I was advised by an attorney that my loan should have qualified for a modification because of my hardship and the type of loan rate ( 7.5 % ) and broken chain status on my title. I had informed about my hardship back in XX/XX/XXXX during the U.S. Government shutdown and my being a vendor pay was affected. SPS never helped me in this situation they accelerated their foreclosure process and dual tracked me while I sought their assistance. I want to keep my home and I need help.
Product: Credit reporting or other personal consumer reports

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


UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 convictions 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 to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Cash app the company every time I had a problem with sending money or getting a refund back I never had a live agent to talk to on cash app.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports in XX/XX/XXXX and noticed ( 2 ) XXXX XXXXXXXX account I did not give authorization and I also noticed multiple inaccuracies. The consumer reporting agencies have a responsibility to report consumer information to be accurate. I provided the certified mailing tracking documents and the credit report showing multiple inaccuracies- date opened has different dates, high credit has different amounts, date of last activity as well XXXX date of last payment. 15 USC 1681 eb states credit reporting agencies must be compliant shall maintain reasonable procedures designed to avoid violations and consumer report must be accurate or the account shall be deleted/removed. As you can see I also attached a recent report dates XX/XX/XXXX and the information- credit reports still have MULTIPLE INACCURACIES. PLEASE REMOVE THESE ( 2 ) XXXX XXXXXXXX ACCOUNTS. I attached my passport and utility bill.
Product: Mortgage

I am writing to you because I have no other alternative. I can not stand for my rights to continue being violated by Pennymac Loan Services LLC. 

The root of the situation is that Pennymac Loan Services is reporting my mortgage opened on XXXX XXXX, 2012 as Status - Account included in Bankruptcy. THIS ACCOUNT WAS NEVER INCLUDED IN BANKRUPTCY. 

The Chapter XXXX bankruptcy that I filed was a business bankruptcy and the discharge did not include any of my personal accounts. 

The credit bureaus keep telling me that they ca n't change the " Status - Included in Bankruptcy '' tag, because they say that it was reported to them by Pennymac. 

I have provided documentation to Pennymac for over a year, just to fall on deaf ears and not have any of my calls returned. 

Pennymac has treated me like a second class citizen and has completely disrespected me at every turn. Because of this experience, I feel like I have been maliciously violated and deeply wounded by Pennymac. 

Having this mortgage incorrectly say that it was included in bankruptcy is stopping me from getting a small business loan needed for my business to operate. This is like pouring salt into the wound. 

I am begging you to demand that Pennymac Loan Services send me a letter of apology for these violations of my Civil Rights. 

Additionally, please have them immediately remove any reference to Status - Included in bankruptcy from my consumer credit files with XXXX, XXXX, XXXX and XXXX credit bureaus. 

Thank you VERY much for existing to help the " little guy '' in this world. I very much wish that there were more of you. 

Please notify me immediately of the positive results of your investigation. 

It is my wish that you have a very safe and happy new year! 

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

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX CHAPTERXXXXBANRUPTCYDISMISSEDXXXX
Product: Credit reporting or other personal consumer reports

Discovering inaccurate accounts on my credit report has been an absolute shock, especially knowing how much theyve damaged my XXXX XXXX. Its frustrating to think that Ive been declined opportunities because of something that doesnt even belong to me.
Product: Bank account or service

Placed a call to customer service to learn why security questions were changed rapidly within 5 minutes of logging in/out. Upon return to www.FirstCitizens online.com to log on my security question was changed to request information where my mother was born. I did not authorize nor set this question myself.
Product: Debt collection

Midwest Recovery Systems has attempted to collect numerous debts over the years for accounts that were paid prior to being sold for collections. Each time, I have disputed the debt with the credit reporting agencies and requested debt validation from Midwest Recovery. Recently, they sold off my accounts to XXXX XXXX, who is also attempting to collect the same debt. Meanwhile, Midwest Recovery has listed a collection account with the credit reporting agencies ... again. 

I sent a letter to Midwest Recovery via Certified Mail to the address they have registered with the credit reporting agencies, but it is no longer valid. There is no longer any way for me to contact Midwest Recovery since they have failed to update their current address. See attached letter.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXXate of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX of XXXX XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX & XXXX XXXX Date of inquiry XX/XX/XXXX,
Product: Credit card or prepaid card

This account was removed. 
Then re inserted in into the XXXX credit reporting agencies. 

Account is statue of limitation. 
Opened on XX/XX/2015
Product: Credit reporting or other personal consumer reports

I sent a Complaint via CFPB on XX/XX/year> to the credit bureaus requesting that the XXXX  Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.
Product: Debt collection

GETTING FREQUENT PHONE CALLS EVEN TOLD THEM TO STOP CALLING
Product: Credit reporting

this is not mine # XXXX please remove from all XXXX reports
Product: Prepaid card

I am reopening this claim because it was not accurately addressed the first time.

I have included a screenshot this time ( with my personal information blurred out ) of a purchase I tried to make online with AMEX gift card. The card was declined multiple times. XXXX accepts AMEX cards. This is unacceptable. 

Wednesday, XX/XX/year>. 

The back fo the gift card states : " ( this " Card '' ) may be used at U.S. merchants that accept American Express Cards.

If I can not use this WHERE ANY U.S. merchant accepts AMEX cards, AMEX IS STEALING MONEY FROM ITS CUSTOMERS. I should not be forced to only use card where it will get through the system.

The company 's response also stated they were unable to reach me by phone. NO VOICEMAIL WAS LEFT. EVERYONE GETS THOUSANDS OF SPAM CALLS A DAY AND CALLING WITHOUT
LEAVING A VOICEMAIL IS LIKE DING DONG DITCHING.

Leave a voicemail and I will respond. I do not answer unsolicited calls.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, have been a victim of identity theft due to the XXXX  Data Breach ; as a XXXX resident, all of my personal information was impacted and exposed, including my name, social, dob, and more. This Data Breach made global news. The inquiries below are not mine ; they result from identity theft. As this is not mine, nor do I account with these companies. My credit report needs to reflect more accurate information and remove inaccurate inquiries. 

Identity theft Inquires below, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.
Product: Debt collection

I pulled a credit report and noticed a collection account. It is an amount of 120 dollars. I reached out via certified mail in an attempt to verify debt and even settle since it was a small amount. First Credit Services will not answer me with any information about debt and unfortunately I can barely understand their customer service when speaking over the phone with them. 

Back in XX/XX/XXXX spoke numerous times to trainer XXXX. Informed me only XXXX could help me. So after numerous attempts in XX/XX/XXXX turned my key fob in to XXXX as I was unable to reach XXXX.I have been charged up until XX/XX/XXXX. Even XXXX called me to get my new card security info, XXXX numbers on back of card, which I never gave out but they worked around that as I never gave consent to debit my new credit card. 
Emailed XX/XX/XXXX via online " email my club '' link asking for membership and contract info identifying myself. That email wentunanswered. 

XX/XX/XXXX called XXXX spoke with XXXX who tried to call the XXXX branch but like usual no one was in. XXXX said she would call me back when she heard back but would not give me her extension or direct line to reach her. She never called me back. Several calls later all with no answers I had to cancel credit/debit cards and get new account. Since then it appear as if penalty fees have been assessed. 
The cancellation letter and the amount to collect do not even match.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that th
is information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I know this dispute seems to be a duplication as you say but the reason, I'm address this issue again is because each party failed to resolve my issues. I know my rights when it comes to my credit report, and I have addressed my issues with Experian multiple of times because they won't make the necessary changes to my credit file upon my request and concerns now causing my future endeavors to suffer and be delayed as of now. This can result in a lawsuit. Again, Experian failed to act and to properly comprehend upon my pervious request, I requested the deletion of XXXX accounts on my consumer credit profile for privacy propose. This dispute is based upon my privacy not accuracy I have the right by Law to choose what I want to report on my credit file and what I choose not to share on my credit file for privacy proposes, in accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Names : XXXX XXXX XXXX XXXX Account Number : XXXX Complaint : Has Violated My Rights Account Names : XXXX XXXX Account Number : XXXX Complaint : Has Violated My Rights Account 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX 2016 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Debt collection

I spoke with representatives with Credit Management LP ( XXXX XXXX and XXXX XXXX ) about a debt reporting on my credit report. I had no idea what this was as I had not received any communication from them by mail or phone. I was told by a representative that they would request a removal once I paid it and even given a website to get this in writing. The website address they gave me is cm-resolve.com. All of this information turned out to be false. I called back and they told me they could not locate my account because it was paid. I have read about this collection agency doing this to several others, in fact there is a XXXX thread dedicated to it. It is mandated by law that I receive a letter from them notifying me of the debt and giving me 30 days to pay before it is reported. It is also against the law to tell me it will be removed, give me a bogus way to get it in writing and then lose my account information. This has harmed my score and prevented me from purchasing a home. I am responsible and pay my bills on time. I would have paid this had they notified me in writing and I tried to resolve this as soon as I found out. Their dishonesty and unlawful tactics have hurt me considerably.
Product: Vehicle loan or lease

My father and I purchased a used car that was financed through Wells Fargo in XXXX through XXXX. Throughout the life of the loan we were charged late fees that was attached to the high interest loan. The vehicle was eventually repossessed due to Wells Fargo inability to work with me and my father as some of the payments had ran behind along with the the all of the add on fees that came with the loan. I wanted to make sure that Wells Fargo correctly reviewed the loan and if there were any payments that were recorded incorrectly or if there were any refunds due that they would be returned to us.
Product: Student loan

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX with no successful resolution. XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.