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

Dear Transunion, XXXX, and XXXX, I am writing to formally submit this notice of violation regarding the handling of my consumer credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically concerning your agencys negligence in ensuring maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). 
1. Violation of 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy Your agency has reported an account related to XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which was charged off by the creditor. However, this account has been inaccurately and misleadingly reported on a monthly basis as " charge off, '' despite the fact that a charge-off is a one-time accounting event. 
Under 15 U.S.C. 1681e ( b ), you are required to adopt and follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. The continued and repetitive monthly reporting of this charge-off fraudulently extends the negative effects of the event on my credit report and is materially misleading. 
2. Failure to Maintain Reasonable Procedures to Verify Information Provided by the Furnisher Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , are obligated to report only accurate and complete information. Your agency has failed to fulfill its legal responsibility to verify the accuracy of the information provided by XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The erroneous reporting of both the charged-off status and the continued reporting of a credit limit on a closed and charged-off account is a blatant violation of your statutory duty. 
Such reporting is inherently inaccurate, as a charged-off account should not reflect a remaining credit limit, thereby misleading future creditors regarding the availability of credit on a closed and written-off account. 
3. Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition Against Inaccurate Adverse Reporting The FCRA under 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information that is inaccurate or misleading. By continuing to report the charged-off status on a monthly basis, Transunion, XXXX, and XXXX is in violation of this provision, allowing misleading and inaccurate information to persist on my consumer report. 
4. Negligence in Addressing Disputes and Correcting Information Pursuant to 15 U.S.C. 
1681i ( a ) ( 1 ) ( A ) Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. Despite prior disputes regarding the accuracy of the charged-off account, Transunion, XXXX, and XXXX has XXXX to undertake any meaningful investigation or corrective action, resulting in the continuous reporting of inaccurate information.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX are reporting inquiries I did not authorize and they should not have given these companies access to my data without my written consent. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX Auto Financing XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX has violated 15 U.S. Code 6802, 15 U.S. Code 1681a, and 15 U.S. Code 1602.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX knowingly closed this account because they know it was fraudulent this is not my account and I contacted them numerous times about this
Product: Debt collection

Since I have attempted to get validation of debt from CAPITAL ONE BANK OF USA NA but no luck this error is really affecting me applying for new credit
Product: Credit reporting or other personal consumer reports

Dispute of Collection Account for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Dear Sir/Madam, I am writing to formally dispute the collection account listed on my credit report under account number [ XXXX, XXXX, XXXX ]. The purpose of this letter is to request validation of the debt as allowed under the Fair Debt Collection Practices Act ( FDCPA ). 



I dispute the validity of this debt and request that you provide the following information : 1. Verification of the debt amount and detailed breakdown of charges.

2. Proof of your legal authority to collect this debt.

3. Documentation establishing the original creditor and the nature of the debt.

4. Any agreements or contracts bearing my signature related to the debt.

Please note that until you provide the requested information, I consider this debt to be disputed. Pursuant to the FDCPA, please cease all collection activities until the verification process is complete.

I expect your prompt attention to this matter and a response within 30 days of receiving this letter. If you are unable to provide the requested information, please remove the collection account from my credit report.

Thank you for your cooperation in resolving this matter promptly. 



Sincerely, XXXX XXXX XXXX XXXX Note : It's advisable to send this letter via certified mail with a return receipt to have proof of delivery.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. 
I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX, P.A XXXX. 

Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs XXXX. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$920.00} XXXX. Account name : XXXX XXXX XXXX Account XXXX : XX/XX/XXXX Amount owed : {$0.00} Inquiries Account XXXX : XXXX XXXX XXXX XXXX  Account opened : XX/XX/XXXX Account name : XXXX XXXX Account opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account XXXX : XX/XX/XXXX XXXX name : XXXX XXXX Account XXXX : XX/XX/XXXX XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX. Account name : XXXX XXXX XXXX XXXX Account opened : XX/XX/XXXX
Product: Debt collection

I have on multiple attempted via certified mail requested that they send me the contract I signed with XXXX that agreed to the fees and services they are trying to collect. These fees and services are from over 7 years ago. The company refuses to provide anything but a company generated accounting log of charges and fees with no proof of an agreement between myself and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I worked with PROFESSIONAL DEBT MEDIATION to close a collection account. Together we negotiated a PAY for DELETE on this collection account as It was given permission from XXXX XXXX XXXX. On XX/XX/XXXX I made the payment of {$200.00} to satisfy the collection account and told PDM would reach out to all 3 credit bureaus and remove any trace from the collection account on my credit report. 

On XX/XX/XXXX, i reached out again to see why there were no changes to my credit report being as we negotiated a pay to delete. I was told that my inquiry would be sent over to XXXX XXXX at XXXX. XXXX would reach out to me regarding my concerns. 

I did not hear back from anyone nor did anyone from PDM call me. I then reached out 5 days later on XX/XX/XXXX and asked if there was someone else that could assist me. I was then sent a letter via email with the date of XX/XX/XXXX ( see attached ) That PDM send to the credit bureaus i'm assuming? 

I paid the account off on XX/XX/XXXX. Why does the letter being sent to the credit bureaus have a date of XX/XX/XXXX? This means they never sent the letter in the first place. They didn't do their job to close the account and give work to the credit bureaus. Why should i be emailing them over and over to have them do THEIR job? I should not have to do that. I
Product: Vehicle loan or lease

My truck loan has been paid off since XXXX 2018. Chase has refused to send the release electronically. I've called Chase Auto XXXX 4 times. They have lied to me. Stating they sent the release to the State of Virginia. This has affected my credit in a negative way. I did not release it was impacting my car insurance the last 3 years with Virginia thinking the loan was still active for my vehicle.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is AMERICOLLECT # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, AMERICOLLECT failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809.  Validations of date and Mini-Mirandi under Section807 ( 1 ) ARS AMERICOLLECT failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation AMERICOLLECT is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where AMERICOLLECT is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. AMERICOLLECT has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I spoke with XXXX of your representatives in XXXX, XXXX, and XX/XX/2024, and was informed that my account qualified for the XXXX, which is a cancellation of debt. Additionally, I faxed on XX/XX/XXXX requesting that a supervisor contact me regarding this matter. The fax number used was XXXX. It is now XX/XX/XXXX, and I have yet to receive any response from the Regional XXXX Department. This reporting is negatively impacting my credit. The lack of communication with the XXXX department is ridiculous.
Product: Credit reporting or other personal consumer reports

I sent a metro2 compliance letter to the credit reporting agency for the investigation of noncompliance and incorrect information on my consumer report and they refused to investigate.
Product: Debt collection

JPMCB CARD SERVICES - This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that XXXX XXXX XXXX  have placed an inquiry on my EXPERIAN credit file dated XX/XX/2021. On multiple occasions I requested XXXXXXXX XXXX XXXX and EXPERIAN to verify these inquiries. They have yet to do so.
Product: Credit card or prepaid card

Netspend I got a netspend reloadable debit card for XXXX. During registration, I was forced to give them my social security to have access to my money. I was very apprehensive about giving them my private information. When I initially given the card as a gift, no where did it say I would have to give them my social security number. But I did it anyway because it's a lot of money. Two days after the registration, I receive a a replacement card with my name on it. My first name is completely misspelled. I can't get a hold on any human and the auto system doesn't fix my problem. So now I'm stuck with a card I can't use because my name is wrong on it and I can talk to anyone to fix it and they have my social security number.
Product: Checking or savings account

This complaint is against the Executive Office of Wells Fargo. The Executive Office with Wells Fargo is a department which is used to seek a resolution agreeable between a Customer and Wells Fargo, when both are not in agreement. 
As I have been transferred throughout many departments within Wells Fargo since XXXX XXXX, due to my Identity Theft which I have been experiencing -- the Executive Office along with their many Executive Office Case Specialists, seem to care less about seeking a Resolution. They are not Customer Oriented, and tend to blame the Customer for everything. They will not take responsibility for any mismanagement of monies. However the record and history of Wells Fargo speaks differently, with their billions paid in Civil Penalties and Restitution. Wells Office should only utilize solution oriented staff in this department. With customers such as myself experiencing endless issues associated with identity theft, there is no time for arrogance, unprofessional behavior, and a nonchalant attitude!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX  account XXXX, XXXX  XXXX account XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX account XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX
Product: Mortgage

On XX/XX/2019 I sold my house and Freedom Mortgage loan number XXXX was paid off. On XX/XX/2019 Freedom Mortgage disbursed the balance of the escrow account to me. On XX/XX/2019 Freedom Mortgage received {$510.00} from XXXX XXXX company for the balance of the homeowners insurance that was disbursed to them prior to the sale of the home. 

The first week of XXXX I called Freedom Mortgage and asked them to release the funds to me. I called again the third week of XXXX as they had not released the funds though they had promised to cut a check on the XXXX. I called again on the XXXX and they assured me the check would be cut on the XXXX. It is now the XXXX of XXXX and they have still not released the funds.
Product: Credit card

Without any prior notice to me whatsoever, my AT & T Universal Credit Card account was closed. The reason was not for any other reason other than lack of use. What is disturbing is that this account has been in place since 1992, and closing an account with such a credit history has an adverse effect on my XXXX. When I called to get it re-established, I was given the normal run around to re-apply, waiting 10 days, etc. etc. Finally I agreed, gave my information to re-apply and was immediately informed by XXXX # XXXX that I was denied due to the card having a joint owner. They are refusing to reopen the card in spite of my XXXX Credit Score, more than adequate income and limited debt. Admittedly, this card is not often used as it is not my primary card. I reserve this card for international travel as the AT & T name is widely recognized. However, as the consumer I am being refused a service that has been in place since 1992. This was not an issue prior to CITI taking over the AT & T Universal account portfolio.
Product: Debt collection

This company has the wrong address on file for me. It was an attempt to collect a Co-pay from my insurer. They did not notify me appropriately of any debt owed. They did not send the bill to the address on file with my insurer. It alerted on my credit report and that is how I originally found out about the debt. When I called the company to resolve they admitted they sent the letter to an address that does not accept mail. It was returned to sender and there w as n further  attempt to contact me. Ive offered several times to pay the debt in full but they are refusing to delete the delinquency off of my credit report once ive paid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has sent several result letters stating that they've investigated the accuracy of the XXXX XXXX XXXX, and they're stating on the results letter that they've verified through third party Lexis Nexis which I don't understand how this is possible. I have a security freeze that was placed on my credit file since XXXX. Please explain how my information is being communicate without my knowledge as no one from XXXX XXXX has reached out to me for permission to release my information.
Product: Mortgage

XXXX  XXXX XXXX and shellpoint service and now XXXX are trying to charge XXXX me by increasing my monthly payment made up late fees and every way they can have to get my home their XXXX   goes to far as make allegations like I made a bankruptcy I did not but they claimed it all to make me pay for their extra fees and keep paying more but not proved on XXXX when they force me to signed their papers thought the court after paying my 3 payments in their called loan modification I notice that contract was not in my favor and by law their contract was supposed to be between the 2 parts agreed in their contract and they added so many made up charges so they increase it for more than the house was value their called help to keep your home was not good at all but they their loan modification was a fraud but I did not have more money and the lawyer I Got to help me did not helped me at all he side with them and told me that I got no options but go with it and after a year pay them they will be helped me more and I did not have to pay for any extra payment in the money they put extra more than XXXX they claimed my scrow my late fee lawyers fees and some many other extras made up expenses they claimed I owed them that money I was to pay it with 10 years and the original loan was not into it now XXXX XXXX XXXX fraudulent thinking of how to XXXX more money and keep the house they started to tell a XXXX about bankruptcy that my wife XXXX in XXXX and she was not even in the loan proved no other paper where into her name before XXXX but claimed she was even that she was I got my fraudulent Government helped on XXXX they sold my mortgage to who knows because 4 mounts ago shellpoint send me paper saying I owed them more than {$5000.00} dollars they don't know from where with out any proved but same papers that XXXX XXXX XXXX lawyers were harassing me dated from before XXXX they claimed I owed but not prove after few complaints to this shellpoint fraudalent company they send a paper saying that the new owner of my mortgage was XXXX another fraudulent bank all they got is XXXX not proveen that I owed any money because if they claimed it is for the scrow they adjust the scrow every time my insurance or taxes when up since XXXX when i was to start over my mortgage loan shellpoint costumer services told me Few mouth I owed them but when O send the proved they keep saying it is another mount but don't even know where or when they told me last time I talk to them every thing was fine but next statement come with late fees and extra charges now. XXXX ir XXXX XXXX XXXX or this company shellpoint want to charge late fee interest and all the charges they made up tha is called fraud
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching the proof that Equifax has admitted that I was in fact victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

REMOVE ALL THESES UNAUTHORIZED INQUIRIES ON MY REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 Afni responded to my complaint with the bbb saying they would delete their account from my credit reports. They deleted theit account from my XXXX credit report but have NOT on my XXXX report and XXXX report.
Product: Mortgage

My mortgage account # is XXXX. There is a pending foreclosure sale date of XX/XX/XXXX and I never received notification of a sale date. I have not been able to reach anyone on the phone regarding it. There are several payments made on my account. Some made by me and others I am not sure. It was proven back in XXXX when XXXX XXXX XXXX/Carrington Mortgage requested Relief from the automatic stay and was denied due to bad record keeping. No one could explain these payments nor has the mortgage company updated the balance to reflect the payments made on the account while I was making payments during my XXXX XXXX bankruptcy. I was told the balance would be corrected once the bankruptcy was complete. We were unable to keep making the bankruptcy payments and unsure if the payments were ever corrected. We were denied under XXXX and the mortgage company fast tracked a modification raising both the interest rate and the monthly mortgage payment. Unfortunately, I am illiterate when it comes to the legal jargon placed in front of to sign when I am desperate not to be placed on the street with a XXXX husband and XXXX children under XXXX. I have all of my documents. Even those from which I believe to be prior fraudulent loan modifications I signed for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several inquires was reported on my credit profile without authorized approval or request for said credit. The following credit companies reported negative and hard inquires on my credit profile which is impacting my XXXX XXXX to be eligible for any future credit increases and new credit. 
Inquires Reported are as follows : XXXX XXXX XXXX XXXX XXXX ; RESIDENT VERIFY ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX ;