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

I am writing to express my dissatisfaction and frustration regarding the numerous unsuccessful attempts to remove late closed and charge-off entries from my credit file. I have made several requests to address these issues, but despite my efforts, the negative entries persist on my credit report. 

I have attached supporting documentation, including evidence of the resolutions and settlements reached with the respective creditors, as well as any relevant correspondence confirming the closure of these accounts. Despite providing this information on multiple occasions, the late closed and charge-off entries remain on my credit report, negatively impacting my creditworthiness. 

I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to maintain accurate and up-to-date information on consumer credit reports. The persistence of these inaccurate entries is a violation of my rights as a consumer, and I request immediate action to rectify this situation. 

I kindly request the following actions be taken : Thoroughly investigate the inaccuracies in my credit report related to the late closed and charge-off entries mentioned above. 

Promptly update my credit report to reflect the accurate and resolved status of the accounts in question. 

Provide me with a written confirmation of the corrections made to my credit report. 

I appreciate your attention to this matter and expect a timely resolution. Failure to address and rectify these inaccuracies within the stipulated timeframe may compel me to escalate this matter to regulatory authorities. I am asking for your assistance to remove these late closed and charge off accounts in my credit file:1. XXXX XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
2. XXXX XXXX XXXX XXXX Owed : {$3000.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
3. XXXX XXXX Balance Owed : {$160.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 
4. XXXX XXXX** Balance Owed : {$560.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Debt collection

My name is ( XXXX XXXX XXXX federally protected consumer, and I am making this complaint against ( ProCollect ) for committing identity theft. I have never given ( ProCollect ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from ( ProCollect ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( ProCollect ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( ProCollect ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( ProCollect ) continues its collection efforts, I will file for litigation for actual damages caused and ( ProCollect ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. My information has been exposed in the XXXX data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I, On XX/XX/XXXX, received confirmation that my account from capital one ending in XXXX has officially been paid off in full. I also have received notice that the account will be resolved, however, I have yet to see any changes occur.
Product: Mortgage

I purchased a brand new home in XX/XX/1996. I made a {$20000.00} down payment mortgage balance was {$72000.00}. The loan has been transferd from XXXX, XXXX XXXX, XXXX, Ditech, NewRez, Shellpoint. 
XXXX forced me into Making Homes Affordable when the XXXX  Oil Spill hit. I lost my {$80000.00} job and was only 2 months behind. When I tried to call in my 3 months worth of payments they would not accept the money. I have no idea how much money was added to the principal including interest during this time period ... because no one can produce it. Then when I recovered I stared making additional principal payments to Ditech ... XXXXthey really socked it to me by putting the payments in an " UNAPPLIED BALANCE '' account in the amount of {$13000.00} +. After 1 year of telephone calls to Ditech to correct their mistake they file bankruptcy. Now NewRez says they can't correct previous service providers mistakes and I still owe another 40 years worth of payments at $ XXXX. 
I have been dealing with this for 15 years ... the house should be paid off by now. I will be XXXX in XXXX, no one will correct this mistake. PLEASE HELP!
Product: Credit card

I am writing to file a dispute on my credit card ending in XXXX. This charge was filed in the amount of {$9100.00} on XX/XX/XXXX. 
Details : XXXX. On XX/XX/year>, I submitted a request to make a reservation for stay at a property via XXXX. 
XXXX. The host/merchant responded to my request via secure chat giving details on the property. We had an exchange of a few messages. All messages are copied and pasted below. Per this conversation, we came to an understanding that given details of the property, I did not want to make this reservation. The host acknowledged that I was not interested in this booking. It is reflected in her reply at the end of the chat, you never booked it so no worries. Best of luck to you XXXX. Based upon the above, I understood that I am not proceeding with this reservation and my credit card should not be charged. 
XXXX. In the meanwhile, the host accepted this reservation on her end. I am not sure how and why she accepted it even after we had a clear understanding of not proceeding with this. Per XXXX policy, only host can decline a request after it has been submitted and a full transaction takes place based upon mutual understanding between the host and the customer. 
XXXX. Based upon above, my understanding was that the host will not accept my request because we both decided not to proceed further. I asked her to cancel the reservation but she did not. 
XXXX. In the meanwhile, Chase bank sent me an alert on my phone about a possible fraud activity. I acknowledged that this is fraud because my understanding was that I did not accept the reservation and if any one is attempting to charge the credit card despite a mutual understanding between host and myself that we are not proceeding with this reservation, it should be classified as fraud. 
XXXX. Chase bank also classified this as fraud. I was informed that this charge will not stay on my card. 
XXXX. However, a few weeks later, on XX/XX/XXXX, I received a letter from Chase that the fraud claim was reversed after Chase fraud department investigated this. They classified this as a valid transaction. 
XXXX. I called and was advised to contact dispute department for filing a dispute. 
XXXX. I would respectfully state that I would like this entire charge to be reversed from my credit card on the basis that, a. Both myself and the host/merchant ( XXXX in this case ) had a clear understanding that we are not proceeding with this reservation. 
XXXX Host/Merchant did not provide this service to me AND I did not use this service. 
XXXX The host/merchant acted unilaterally and without my consent by charging my card on AirBnB site. 
d. I was notified by Chase bank that a fraud alert was in place and that I was not going to be charged this amount. This reassured me that I did not need to take any further action to contact AirBnB or the host for the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX via its toll free phone number on XXXX XX/XX/2022 to first inquire about an adverse notification from XXXX, Division of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, PR XXXX. Since I know nothing about this financial institution and do not conduct business with it, it will be necessary to report it for fraudulent activity. XXXX did nothing to resolve the issue during the call ; instead, the customer service representative stated they could only sign up customers for a paid monthly credit monitoring service.
Product: Credit card or prepaid card

In XXXX XXXX, I purchased a {$1200.00} vacuum from XXXX XXXX in XXXX. XXXX XXXX XXXXXXXX, Home Design Division financed it with a 24 -month zero interest promotion and gave me a monthly payment of {$25.00} which I assumed was the correct amount needed for pay off. However, the monthly payment to get zero interest promotion was {$49.00}. which, of course, we could have paid. 

I 'm a senior and I do all banking and payments online, so I was never late. Synchrony failed to inform me by email that the promotion was expiring, as PayPal does. Suddenly in XXXX XXXX, {$790.00} in interest was added to my balance. So, for a {$1200.00} item I now owe {$1100.00}! The interest abuse comes in two forms. Usually, when a promotion ends, you start paying interest at that time on the next statement. They added two years of back interest onto my bill. Secondly, the interest rate is 29 %, so my now $ XXXX  monthly payment has {$30.00} in interest charged. The statements on their website can only be viewed. No link to download them. 

Once I realized this had happened, I contacted XXXX XXXX three times speaking not only to customer overseas service reps but also to U.S. based managers. No one would help me. I called XXXX at XXXX XXXX who was appalled. She gave me her merchant telephone number, but it was the same one I had. I tried to file a " concern '' at the bank website, but the concern field always was always " invalid. '' There is no number for a corporate customer relations representative at Synchrony headquarters in Utah. I hope you can help me. I dont know where else to turn.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>, Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX 
XXXX ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax stored my information insecurely, putting myself and family at risk. Furthermore, they are currently unavailable for " XXXX '' requests as of XXXX/XXXX/17.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple written request and several request with cfpb and nothing is being done by XXXX  Transunion or XXXX. According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and all credit bureaus have refused me that right. I have disputed inaccurate items and yet the credit bureaus have said these items belong to me without providing proof. My Identity has been compromised reports have been provided to the credit bureaus so they are well advised as to what is going on. I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that CFPB steps in and ensure that the credit bureaus does what's is right under the law. This Bankruptcy does not belong to me please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached you'll find the identity theft report I filled out with XXXX XXXX. You will see the accounts listed on the report. 
XXXX XXXX {$850.00} opened in XX/XX/XXXX XXXX XXXX {$13000.00} opened in XX/XX/XXXX XXXX XXXX XXXX {$2700.00} opened in XX/XX/XXXXXXXX XXXX XXXX  {$13000.00} opened in XX/XX/XXXXXXXX XXXX  {$580.00} opened in XX/XX/XXXX The credit bureaus are reporting inaccurate information that doesn't pertain to me under 15 USC 1681. I am in the process of buying a house and it's also a defamation to my character and livelihood
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts appearing on my credit report. I have been a victim of identity theft and unauthorized access to my personal information as a result of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have information resulting from identity theft blocked and removed from my credit file. 
Below is a list of the accounts I have identified as fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$160.00}
Product: Credit reporting or other personal consumer reports

Complaint Summary : Failure to Block Fraudulent Information as Required by FCRA Section 605B, & Potential Pattern of Illegal Practices by XXXX XXXX Complaint Details : I submitted an identity theft report to Transunion on requesting that they block the fraudulent information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B. This section requires credit bureaus to block the disputed information within four business days upon receipt of an identity theft report while they conduct their investigation. 
Instead of following the required procedure, TransUnion treated my submission as a standard dispute and began a 30-day investigation process. They did not block the fraudulent items from my report as required within the four-day window. 

Furthermore, the fraudulent accounts in question are associated with XXXX XXXX ( XXXX ). It is important to note that XXXX XXXX has a documented history of engaging in illegal and deceptive practices, as demonstrated by a Consumer Financial Protection Bureau ( CFPB ) enforcement action that ordered XXXX to refund {$59.00} XXXX to over XXXX consumers due to illegal credit card practices. The CFPB found that XXXX used misleading and deceptive marketing tactics and imposed an additional {$9.00} XXXX in civil penalties. This history of fraudulent practices may suggest that the identity theft on my credit report could be part of their ongoing illegal behavior. 

As a result of the credit bureau 's failure to block the fraudulent information and the potential involvement of XXXX XXXX in deceptive activities, I have suffered financial harm, including [ describe the financial impacts, such as denied credit applications, higher interest rates, loss of opportunity, etc. ]. I am requesting that the CFPB ensure that the credit bureau complies with FCRA Section 605B by blocking the fraudulent information immediately.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had inadvertently pre-paid outstanding credit card loan in the month of XX/XX/XXXX, however the term would be expiring in XX/XX/XXXX, the amount is considerable. When I realized this error I immediately contacted Bank of America and the associate assured me that it will be credited in the next statement cycle i.e. in XX/XX/XXXX. When this did not happen I again contacted and was assured that by XXXX XXXX, it will be credited. Today I find it has not been done. 
The last associate today i.e. XX/XX/XXXX advised me that " bank is investigating ' in this matter and can not tell me when it will be refunded, that I was misinformed by the previous associate over phone! Sir, they have to ascertain if amount was debited from my checking and credited to respective credit card account and then make good the whole process. I repeatedly told this and asked what is the 'investigation. ' He did not say anything. The fact is bank is sitting over not only my money but on millions belonging to people like me. If I fail to pay bill late even by one day, the system charges {$35.00} and only one transaction during 18 months ( previously it was 12 months ) could be refunded. Whereas these people are shamelessly not paying my money. The banks have become modern day shylocks and we can neither protect our blood or flesh. This is most unfortunate for an average American citizen who has to bear the evil! The reference number given to me is XXXX. Please help me. Kindly also ascertain if such delaying methods are justified morally, socially and legally-although I am aware the word 'morality ' does not apply to banking, it is a policy not a virtue subject to fine prints! Thank you..there is someone to hear in wilderness..
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover account was removed and replaced. Between XX/XX/2022, and XX/XX/2022, the following remark and account were removed from my Discover account, Account information was disputed by me, and met the FCRA requirement PLEASE REMOVED THIS ACCOUNT IMMEDLY, ONCE AGAIN PLEASE REMOVE THIS ACCOUNT OOF MY CREDIT REPORT, THIS ACCOUNT IS DAMAGING MY CREDIT SCORE AND BEING USED TO BRING DOWN AND DISCREDIT ME AS A CONMUSER AND THIS IS AGAINST THE LAW, IF NOT REMOVED I WILL BE FILING CHARGES. SEE BELOW FOR PROOF OF THE ACCOUNT WAS REMOVED. tHIS ACCOUNT HAS COST ME AND MY KIDS A HOUSE WHICH i HAD UNDER CONTRACT WITH A REALTOR, PLEASE REMOVE NOW OR A LAW WILL FOLLOW
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian have not properly investigated disputes and have correct information on my credit with everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance {$270.00}.