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

According to the Fair Credit Reporting Act, Section 15. U.S.C 1681 ( E ) ( B ) Procurement of consumer report for resale, A person may not procure a consumer report for the purpose of reselling the report ( or any information in the report ) Unless the person disclosed to the consumer reporting agency the originally furnishes the report. Per the IRS web portal Once an account has been moved to Charge Off status the Lender has filed a discharged debt to Cancel or forgiven the debt and the debt is now considered canceled or forgiven a XXXX Form should be issued due to the date being paid. 

According to the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ), you are required by federal Law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could Fax, mail or email in a fraudulent account, According to the Fair Credit Reporting Act, Section 15 U.S.C 1681 ( A ) 2 Congressional Findings and statement of purpose. I did not give written permission to have these account furnished on my credit report, I demand to see verifiable proof An original consumer contract with my signature on it that you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, Unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove these accounts listed below. 


I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Acct # XXXX {$140.00} Charged off as of XXXX, XXXX  I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Acct # XXXX {$480.00} charged off as of XXXX, XXXX  I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX Acct # XXXX {$390.00} charged off as of XXXX, XXXX  I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Acct XXXX XXXX {$400.00} charged off as of XXXX, XXXX  I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Acct XXXX XXXX {$180.00} charged off as of XXXX, XXXX
Product: Debt collection

I was called repeatedly by AMCA in regards to an unpaid medical bill I was not aware of. The bill had been sent to an old address and my name was spelled incorrectly in their system, so the bills didn't make it to me. The only notification I got was that the bill was in collections. I then started receiving daily phone calls from strange numbers with no voicemail messages or identification. I ignored all of these calls, as I always do from strangers without a voicemail, even going so far as to block one of the numbers, only to have it replaced with a new one the next day. When I finally picked up the phone out of frustration, they explained my balance and said I had no option but to pay it ( despite the fact that I was in communication with the insurance company over re-billing ). I begrudgingly set up a payment plan to get the bill off my plate ASAP. Now almost 2 months later, I assume the bill is paid off and done, and I get ANOTHER call from AMCA saying their tech messed up while setting up my previous plan and asking me to set up a new one. So because of their error, my payment schedule has been extended and I had to take time out of my job to set it up. I understand they have a job to do, but one would think they could do it in a professional and timely manner. If there was an error with my payments or the plan I set up, AMCA should be required to alert me immediately so I can remedy the situation, not pass the baton to me 2 months later.
Product: Credit card or prepaid card

capital XXXX credit card has been given a deposit of {$1300.00} from my XXXX XXXX checking acct ending in XXXX, for some unknown reason capital 1 has collected my funds of {$1300.00}. 
but has blocked me from using my credit card to pay bills etc. This blockage may be some kind of harassment. I need my capital one credit card funds available immediately to pay bills etc. please have capital one credit card services unblock my credit card act. ending in XXXX, Can I seek any compensation for this unnecessary harassment, I am a XXXX yr iold senior citizen.on a fixed limited income. I talked to a number of employees on the phone at capital 1 credit cards but they insist they can do nothing. to unblock my credit card. my credit card with capital 1 is called aft union plus credit card.
Product: Credit reporting or other personal consumer reports

After numerous attempts to get the credit bureaus to remove these fraudulent accounts XXXX XXXX reporting on my credit reports I still have not have them removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above.
Product: Credit card or prepaid card

I am a victim of ideninity theft trying despertly to resolve unauthorized charges Statement of XX/XX/XXXX has 16 Adjustment Purchases XXXX that are UNIDENTIFIED and New Purchases UNIDENTIFIED in the same amounts XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX PLEASE IDENTIFY THESE who merchant why a new charge. I need to know what it is I am paying for Why does truth in lending statement say TOTAL PAYMENTS AND CREDITS FOR THIS PERIOD {$450.00} I made payment {$77.00} and Account Summary says other credits {$700.00} PLEASE IDENTIFY these {$700.00} credits. IF MORE THAN {$450.00} WAS CREDITED THIS IS NOT A TRUTHFUL TRUTH IN LENDING STATEMENT IF ONLY {$450.00} PAYMENTS AND CREDITS REALLY APPLIED THEN I Am owed more credits Consumers cheated. Is statement UNTRUTHFUL or was I cheated out of credits I deserve? ALL CREDITS. GIVEN WERE TAKEN BACK How could this produce two credits for one purchase to legally charge it back If credit taken back it was never given How can you take back what you did not give without CHEATING CONSUMERS?
Product: Mortgage

I applied for a modification and received a trial period. I paid the payments on time for 3 months, XXXX, XXXX, and XXXX. I received a letter about a balloon payment. I called and the gentleman i spoke to told me not to worry I would be receiving a new contract with new terms. I received the contract and the modification is only for three months with a balloon payment due XX/XX/XXXX. I called and asked about the modification covering this and was told no it doesn't. I was not told any of this before. I found out when i got the new contract for modification on XX/XX/XXXX. The balloon payment is {$32000.00}. I do not have this amount of money. Please advise
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian regarding several unauthorized hard inquiries on my credit report. According to the Fair Credit Reporting Act ( FCRA ), Experian is required to complete its investigation and respond within 30 days. However, my dispute has exceeded this timeframe, and I have not received a resolution. 

Details of Disputed Inquiries : XXXX XXXX Inquiry Date : XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX Inquiry Date : XXXX I have followed up with Experian multiple times and have not received an update regarding the status of my dispute. This delay is negatively impacting my credit profile and my ability to apply for financial opportunities. I am requesting CFPBs assistance in ensuring that Experian complies with FCRA regulations and completes my dispute investigation in a timely manner.
Product: Credit reporting or other personal consumer reports

in reference to COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX here is no debt with this company, and all records and communications were ordered to be MASKED and XXXX XXXX and XXXX XXXX, case XXXX, violated this order by reporting to leasing agency to XXXX ball my credit due to the fact I took them to court because they altered the payment ledger and tried to extort money from me. You are in violation of order by California Superior Court, please see attached court document signed by both parties. The sold my information illegally to you because they know they can not not pursue me, they have LIED to you to get money from you. Please be aware I am now preparing to sue them for damages, and I will add you to this litigation as well, for slander and harassment. This is why they have not placed this on my credit report because they legally can not, my lawyer XXXX XXXX had notified California XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Transunion currently has an open claim on a complaint through your company, but has already came to a resolution by not removed the inaccurate account that is reporting from XXXX XXXX. Since XX/XX/XXXX, I have informed Transunion several times that a charge off from a company is being reported as inaccurate. According to the FCRA if it has been proven that a company is providing inaccurate information to them, they are supposed to remove that information. I am coming in with clean hands and just am asking to be treated equitably. They said that the furnisher of the account said the information was verified as mine, but I sent them in my last dispute attempt on XX/XX/XXXX a copy of my identity iq report that supported that there are several inconsistencies with the charge off. They still didnt remove it. 

They are in clear violation. 

I have also reported to the XXXX.
Product: Credit reporting

I have XXXX unauthorized inquiry on my credit report XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been contacting all three credit bureaus since the year XXXX Regarding This account and all the inaccuracies they have been reporting since I have noticed since XXXX. I have disputed this account several times with all three credit bureaus and XXXX XXXX. I have requested debt validation, and I have never received that, I have requested a 1099C and notified them I have never received a 1099C. This account has been removed but also Violated the FRCA because I was not notified when it was reinstated. Over the years they have removed some of the inaccurate things but, continue to report inaccurate information. Some companies are reporting repeated charge-offs and repeated repossession. Each company always replies back to my disputes that, the account has been verified, and clearing it has not been verified, if they are reporting repeated charge-offs and repeated repossession on this account. They have not sought to get a 1099C from the company that is reporting the charge-offs. 
I have contacted all three credit bureaus, regarding the same issues and their reply would be, that they have verified the account as accurate. which having repeated charge-off and repossession on your credit file is illegal and damaging to my creditworthiness. According to the FCRA, all these companies that I have named above violate these laws. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Obligates furnishers of information ( such as creditors ) to report accurate information. 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy. 15 U.S.C. 1681i ( a ) ( 5 ) Expedited Dispute Resolution 15 U.S.C. 1681i : Governs the dispute process and requires CRAs to investigate disputes. 15 U.S.C. 1681n : Provides for statutory and punitive damages for willful violations of the FCRA. 26 U.S.C. 6050P : Governs how canceled debts must be reported to the IRS and indirectly affects credit reporting practices. 26 U.S.C. 6050P : This statute mandates that canceled debts of {$600.00} or more must be reported to the IRS, and I should be furnished with a 1099-C form as evidence of this.
Product: Credit card or prepaid card

Barclays has failed to Credit me for a return of Items to XXXX XXXX in XX/XX/XXXX. 
All ITems were returned to merchant XXXX an documented.

Barclay never issued the credit. Now accumulating fees etc. NOTE THE PROBLEM IS THE REFUND WAS ISSUED TO OUR ACCOUNT ENDING IN XXXX which was closed by XX/XX/XXXX. 
The replacement for the account was account XXXX so the credit never reached it. 
Dosent stop you from confirming with XXXX. 

Mastercard XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX
Product: Checking or savings account

Ive sent emails to Netspend and have called on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Ive called their Account Protect Team at XXXX. No one answers the line it puts you on hold for hours and eventually disconnects. Ive sent my proof of address and license via email. They approved the documents I sent and still say my account is restricted and I need to call XXXX to speak with someone. I have called XXXX, XXXX XXXX XXXX via email someone would call me today, XX/XX/XXXX. No one has called. Ive been emailing since early this morning and continues calling throughout the day, no one answers. They arent even responding to my emails anymore. This is maddening, they are holding my account hostage.
Product: Debt collection

I am XXXX military and as such receive XXXX % coverage of all medical and am void of any financial liability. I 'm protected by my federal military enlistment contract and the Soldiers and Sailors Act. I asked if they accepted tricare - they said yes. I told them that I would not approve any treatment not covered under my insurance. I was told it would be no problem. This is an issue that needs resolved between the medical biller and my insurance company. Whatever that end is, I should not be considered a responsible party.
Product: Credit reporting, credit repair services, 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 a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for XXXX  purpose. 
XXXX
Product: Debt collection

My XXXX and XXXX reports correctly indicate that this debt was not able to be verified. It dropped off my reports years ago and still remains on my XXXX report. It is a creditor or collection agencys responsibility to report accurate information to all three bureaus. In this case, they keep saying the debt is verified even though it has since been unverifiable. I need help getting IC Systems and XXXX XXXX off my XXXX report due to illegal reporting practices.
Product: Debt collection

In XX/XX/2020, I called LVNV FUNDING LLC Collections to discuss the account for the amount of {$710.00}. I asked if I can do a settlement of {$400.00}. I was told yes and when I could make the payment. I informed the representative I could pay it now. So I proceeded to make the payment of {$400.00}. 

2 weeks later I received a call from LVNV FUNDING LLC stating I had a debt and wanted to know how I wanted to pay the debt. I informed him I already paid a settlement amount for the amount of {$400.00}. I was informed by him, that I should not have had an option to settle the account. Informed the representative that I held up my end, and, I don't feel that the numerous calls are not fair or appropriate. I was threaten if I don't pay the remaining {$310.00} they will report it on to my credit report. Which they did. 

Since then I keep disputing this matter with LVNV FUNDING LLC on my credit report. I feel I have been threaten, mistreated and reported unfairly when I called them, to settle the account and do the right thing. 

My score has suffered a great deal because of LVNV FUNDING LLC company dishonest, tactics of being unfair, rude and disrespectful staff who kept calling every 30 minutes until I block them from my phone.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate and Unverified Information on Credit Report - FCRA Section 611 and 609. 

To Whom It May Concem : I formally request that the following Inaccurate, Unverified and Incomplete ( Information ) items be immediately investigated. They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting. Act ( FCRA ), section 611 - specifically 15 USC 1681i ( 5 ) ( A ) Treatment of inaccurate or unverifiable information ( A ) and Pursuant to the Fair Credit Reporting Act ( FCRA ), Section 609 - specifically 15 USC section 1681g. I will expect you to complete the verification withing 30 ( thirty ) days.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9100.00}, {$4700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account. 

-- CLOSED ACCOUNT -- 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.
Product: Mortgage

Wellsfargo wants me to pay to refinance or pay {$140.00} for the life of the loan. They said that when I signed the loan in XXXX of 2014, I knew I would have to pay $ XXXX/month for 360 payments. 
FHA help me get this mortgage. Thank You! But they let the insurance company profit from me for the life of the loan. Thank You, FHA.
Product: Debt collection

Lvnv funding llc has been charging interest closed credit card served court paper work to an old address stating I was served I have tried more than once to get this proof they say the served to an address I no longer live and the person refused service and left the docs away! Now the garnishing my wages and refuse to provide me proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

URGENT To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate information about a couple of bankruptcies that were filed. It's my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I'm confused as to why this information is still being reported by you to the credit bureaus. 

I have already confirmed with the courthouses that these bankruptcies were filed and i was informed that this information was not provided by them as the explicitly stated that they dont report information to anyone. My credit is being negatively impacted due to neglectful reporting and i demand XXXX to remove the bankruptcies from your system. You are in violation of my consumer rights under 15 usc 1681a ( 4 ) consumer right to privacy. These bankruptcies should not appear on my credit report. I have the right to deem and i deem these bankruptcy and misleading false reporting is giving me severe anxiety. You are liable for all damages and im seeking litigation. 

Remove Immediately