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

I am writing to formally dispute several fraudulent accounts that have appeared on my credit report. It has come to my attention that these erroneous entries are tarnishing my creditworthiness and standing, posing a grave injustice to my financial integrity. These accounts are blatantly false and do not reflect any financial transactions or agreements made by me. I have duly submitted the required FTC report complaint I filed at XXXX XXXX XXXX and the banks have removed the accounts from other credit bureaus upon receiving my complaint. Furthermore, other credit bureaus have already deleted the accounts from their records and now I am questioning myself on waht kind of investigation have you made to still post those fraudulent accounts. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, Aidvantage account ending in XXXX {$3800.00} 15 USC 1681 section 604 " states rights to consumer privacy '' Reporting agency 's can not furnish an account WITHOUT my WRITTEN consent!!
Product: Credit card

I received a phone call from XXXX. It was from Card Services. I waited on the line to speak to someone to tell them to remove me from the list. A man answered,. so I told asked him to remove me and not to not call back. He proceeded to say, I dot want to. I said again, remove me or I will report you. He said, I do n't feel like it, Give me {$10.00} and I will then remove you. So I told him I would report him, again, and hung up. I am on the National DO NOT CALL LIST! When you try to call the number above back, it goes to an automated recording, saying the person you are trying to reach is unavailable!
Product: Credit reporting or other personal consumer reports

I mailed a letter to the agency on XX/XX/2024. They responded with a letter stating they won't look into it because the letter didn't come from me, which isn't true.
Product: Student loan

I was on IDR prior to my loan being transferred to MOHELA. I received an email from my prior servicer that there was no need to recertify and that my payment was approximately {$860.00} a month. 

After transferring to MOHELA they said I needed to pay about {$2000.00} a month which I can not afford. I tried to fill out an application to switch to another plan with lower payments on XX/XX/. They have still not processed it. They put only some of my loans on administrative forbearance and I still had to make monthly payments of about {$370.00} for two months then they put the remaining loans on forbearance and it was showing a {$0.00} payment due. Just now I checked and it is showing {$2000.00} due on XXXX. I can not afford this but I can not afford to miss a payment because I am only a few months done from PSLF. 

Anything you can do to either reinstate the forbearance or get them to process the RePAYE application would be appreciated. Thank you so much.
Product: Credit reporting or other personal consumer reports

Somebody used my information and opened a phone line in my name. Not 1 did they show me my signature to where I signed my named or a verified proof of my identity
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am writing to lodge a formal complaint against American Express in relation to a matter concerning my account, initiated approximately between XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Specifically, I requested a XXXX XXXX of said account and subsequently received a communication containing a list of transactions associated with the account. Regrettably, despite statutory mandates outlined within the Fair Debt Collection Practices Act ( 15 USC 1601 - 1693 ), I did not receive the complete array of disclosures, service agreements, and signed instruments pertinent to the purported debt, nor was a signed copy of the promissory note provided. 

I have diligently pursued resolution of this matter through direct communication with representatives of American Express, including engagements with their collection department at XXXX XXXX XXXX. However, notwithstanding these efforts, I have been informed that the promissory note remains unattainable. It is imperative to note that pursuant to pertinent legal statutes, particularly the XXXX of XXXX XXXX and Negotiable Instrument Act, the conversion of the promissory note into a negotiable instrument would signify satisfaction of the alleged obligation. 

Furthermore, a review of my credit report reveals that the purported debt has been charged off. In light of this, I am compelled to inquire as to the absence of any documentation, specifically a copy of the XXXX form, indicating the discharge of indebtedness filed with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The actions, or lack thereof, undertaken by American Express have resulted in considerable uncertainty and distress. It is my firm belief that such conduct may contravene provisions established within various consumer protection statutes, warranting regulatory scrutiny and intervention. 

In light of the foregoing, I respectfully request that the Consumer Financial Protection Bureau undertake a thorough investigation into the practices of American Express with regard to this matter. Additionally, I seek redress commensurate with any identified breaches of consumer protection statutes, as well as clarification and resolution of the outstanding issues surrounding my account. 
Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

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: Credit reporting or other personal consumer reports

I am reaching out to follow up on my previous complaint, dated XX/XX/XXXX, regarding the inaccurate addresses listed on my credit report. I am seeking an update on the status of the removal of these addresses, as outlined in my previous communication. As a reminder, FCRA Section 605b mandates Credit Reporting Agencies to promptly remove any items identified on an identity theft report, in my case under reference number # XXXX. The addresses in question that I wish to have removed from my credit report per bureau are as follows : -- -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

Ive spoken with XXXX XXXX XXXX XXXX throughout the year XXXX  recently about a charge off they were reporting on my credit. A vehicle was taken from me from a dealership that I entered contract with to purchase. XXXX requested the dealership to buyback this loan. They did not. Thats why this is on my credit XXXX XXXX told me. However, through all of my digging its been verified through XXXX XXXX that they never acquired the title from the dealership, therefore shouldve never been placed as XXXX holder on this contract, per XXXX law. This agreement was never fulfilled at the start. Therefore the contract is null and void. Nothing about this account is right. The car was repossessed and never sold even after I asked for the car to be sold. The dealership is no longer in business. They basically stole the car and now theyre making me responsible for a shady business practice.
Product: Mortgage

In XX/XX/XXXX, the world was placed on a mandatory shut down, the lender offered a forbearance to help, my income was affected by the mandatory lockdown. once the forbearance expired, I was advised I qualified for a loan mod. I applied in XX/XX/XXXX, after multiple document rejections my status went into under review, on XX/XX/XXXX I saw that I was no longer under review and it had full balance due. I didn't receive a denial letter and or communication explaining why I was denied. I like many others didn't expect or want to be in this situation, I do not want to lose my home. XXXX XXXX XXXXXXXX XXXX XXXX. It was my understanding that a forbearance is in place to help the borrower and the past due would go to the end of my loan. I was mislead about what a forbearance was and now I am suppose to pay a large lump sum I don't have. we are still in a pandemic I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and XXXX are falsely reporting a collection on my credit report from southwest recovery services. Southwest recovery. services don't have a license to collect in illinois which is illegal to reach out to me and illegal to contact me and illegal to attempt to collect from me. Southwest recovery services, XXXX, and XXXX need to. be sued and shut down by attorney genreral.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now
Product: Mortgage

My mother 's reverse mortgage had come due, and the mortgage company asked me what I wanted to do to settle the debt. I told them and sent them documentation I was selling to a buyer, the buyer needed more time to get bank approval and the mortgage company asked for proof of funds, which was given to them, but they went ahead and foreclosed anyway.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Possible Financial Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Possible Financial Inc : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.

Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed to experian that the company " XXXX XXXX XXXX '' was not opened by me it was a fraud and it will not remove the debt from my credit report this is not the first time my identity was stolen I did not open that account and would like to have it removed off my credit report.
Product: Debt collection

I was notified by an alert on my credit report that a company sent me to collections. I was not notified once by the company or the collection agency about this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

The ONLY way Im able to access PPP funds is to link my PNC account to my XXXX  account I keep getting the same error that XXXX  wont let me connect to PNC due to whatever security block you have Ive tried manually linking my accounts and it doesnt work either PLEASE explain how Im supposed to be able to get my PPP loan money from XXXX  to you so I can access it.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2018 I submitted a complaint to CFPB in regards to incorrect reporting of my student loans by all of the 3 credit reporting agencies. XXXX responded to the CFPB, investigated and made a number of corrections, deletions etc to my credit report. It is not 100 % accurate but it is closer to the truth.

Experian and XXXX sent the standard " we will investigate and get back to you responses '' That was almost 120 days ago. They did not add any additional information to the CFPB complaint nor did they investigate or they would have found that the same thing that XXXX did.
Product: Credit reporting or other personal consumer reports

I'm contacting you regarding fraudulent personal information linked to my identity. Several accounts and transactions have been wrongly attributed to me without my awareness or approval, causing me considerable XXXX. I've been a victim of identity theft and have already reported this incident. This situation urgently needs addressing, as it's negatively affecting my financial status and reputation. I request your help in swiftly removing all fraudulent data from my credit report and thoroughly investigating this issue. I'm ready to provide any required evidence and, if necessary, take legal steps to protect my rights and seek appropriate redress. Your immediate attention to this pressing matter is greatly valued.
Product: Debt collection

There is a Bank of America account on my credit report that opened back in XXXX and updated in XXXX that I am not aware of at all. There is a credit limit of XXXX and now a balance on that account of XXXX. It has been affecting my credit score for months now. Ive called BOA to find out information on this account and theyve told me there is no account under my name or SSN
Product: Credit reporting or other personal consumer reports

Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The alleged collection agency states I owe a XXXX  bill in the amount of XXXX. However, this is false. I paid my entire XXXX  bill in full before switching cell phone companies. This is in fact accurate because XXXX would not unlock my SIM card so that I may switch carriers WITHOUT paying my cell phone balance down to XXXX. This additional charge does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt collector has re-aged a older account, Date of delinquency from original creditor who reported the date of first delinquency by years account was from 2015 they reported new open account for XXXX XXXX able to have removed of XXXX an XXXX but not XXXX, not sure if I should upload files here because it contains personal information Name of creditor is XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX number ( XXXX ) XXXX
Product: Debt collection

I am filing a complaint for requesting unnecessary documentation to validate a debt for the accounts with reference # XXXX. 

Requesting : Original Creditor : [ Provide the name of the original creditor ] Debt Collector : Date Opened : [ Date ] Date Closed : [ Date, if applicable ] Date Account Sold : [ Date, if applicable ] Date Charged-Off : [ Date ] Date of First Delinquency : [ Date ] Date of Last Payment : [ Date ] Balance : [ Current Balance ] Also requesting payment ledger ( statements, etc. ) and records of communication if applicable and the agreement/contract with original creditor
Product: Payday loan, title loan, or personal loan

It started with my XXXX they hacked my XXXX from my XXXX they hacked my XXXX XXXX XXXX XXXX they hack well my phone otherwise I changed my phone number I change my XXXX XXXX and they still was taking everything for me I didnt know what To do
Product: Credit card or prepaid card

In XXXX of XXXX, I paid off my entire account balance of my XXXX XXXX Comenity Bank account. There was a residual interest charge added after that unknown to me. I have never been late on this account and again thought it was paid off. I was in the middle of a move and never received any notification of this very small charge. The first I heard of it was from XXXX when I received notification that my account had fallen 60 days behind and was reported negatively. After all the late fees and interest, the " late '' balance that knocked my very high credit score down XXXX points was only {$48.00}. I disputed it with XXXX, but it was immediately denied by Comenity Bank for removal. There is no phone number available for Comenity Bank to dispute or explain what happened. When I called the card company, they were no help at all and offered me an address to possibly address by snail mail. Again - this account was paid off and in years of having this account has never been late. I don't feel like they are giving me a chance to even make a case or consider these extenuating circumstances. Thank you so much. 

XXXX XXXX