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

I settled a XXXX account with XXXX XXXX XXXX for the balance of {$85.00}. This company should no longer be on my credit report.
Product: Debt collection

Trident Asset Management LLC Several Letters were sent to Trident and letters to XXXX  for a validation of debt for a XXXX bill. I called XXXX and they had no info on this account, I asked Trident for verification and they sent me a itemized bill with the wrong name. After I told them I want the original contract with my signature, I never heard from them. 
Certified letters were sent to Trident on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX also directly to the physical address c/o XXXX XXXX ( CEO ) and XXXX XXXX XXXX, compliance Manager, which came back return to sender ), and a final letter sent on XX/XX/XXXX. Im really upset that they had the audacity to send me a settlement letter from the XXXX. XXXX XXXX address and it was dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my information and I have fraudulent inquiries on my credit report. I have asked XXXX and XXXX and Equifax to remove these, and I have followed all procedures they have asked of me, and they refuse to help me. I have mailed in several times, the paperwork they asked for- and its the same lie of we didnt receive it. I have proof I did in fact send it many times!! 

These are the 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
Product: Money transfer, virtual currency, or money service

Between XX/XX/XXXX - XXXX, 2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX, XXXX USD from my CashApp account to fraudulent investment firm ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Real time resolution my second mortgage company has been reporting me as 30 days late every month since XX/XX/XXXX to date. I have been involved in a chapter XXXX since XX/XX/XXXX and have been paying the trustee every month and the trustee has been paying the mortgage every month. I believe that real time resolution loan is a scam. I was not disclosed that this was an adjustable rate that adjusts every month I was told the adjustment was every year. I think real time resolution is just trying to keep me from being able to refinance their loan which would save me XXXX per month. This is what I've heard called propriety lending. I have had issues with getting monthly statements from real time and just mail them payments in excess of what is owed and asking them to apply overage to principal which they are NOT doing either. Please help ... this is out of control.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. 

Under XXXX XXXX. XXXX, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information.

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 


XXXX XXXX XXXX XXXX XXXXXXXX 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 card or prepaid card

On XX/XX/XXXX I was charged for a service I did not receive in the amount of {$560.00}. I requested service from a mechanic company and they failed to provide it on 2 occasions. Even having failed to provide me the service they still charged me. I attempted to resolve it with the merchant and they refused. I disputed the charge with my credit card company and they required me to send a number of documents by specific deadlines with specific guidelines. The last deadline was for XX/XX/XXXX. Even though I met all of these guidelines the credit card company still charged me for what I didn't receive and did not chargeback the merchant like I was promised. I spoke with many different agents on the phone and they said that even though I provided all that they required that it was not sufficient enough. I have written documentation of what they required of me and I provided it however they voided their own policy by not sending the chargeback to the company. According to the Fair Credit Billing Act this would be categorized as a " Billing error '' or " charges for goods and services you didn't accept or that weren't delivered as agreed '' For me, the service was not delivered as agreed and I provided ample evidence to prove this and met every guideline in every letter that was sent to me.
Product: Debt collection

I have no knowledge of this account, and I would like for it to be removed off my credit report I have been a victim of identity theft.
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 {$2400.00}, {$39000.00}, {$21000.00}, {$19000.00}, {$6000.00}, {$2500.00}, {$500.00}, {$500.00}, {$20000.00}, {$73.00}, {$23000.00}. 
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 ) -- CLOSED ACCOUNTS -- 1. XXXX with ACCT # XXXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$2400.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$39000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$21000.00} -This is not my account. 

4. XXXX/XXXX with ACCT # XXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$19000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

8. XXXX/XXXX with ACCT # XXXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 


-- AUTO ACCOUNT -- 9. XXXX XXXX XXXX  with ACCT # XXXXXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX XXXX XXXX   with ACCT # XXXXXXX opened on XX/XX/XXXX with a credit limit of {$73.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # 545212XXXXXX opened on XX/XX/XXXX with a credit limit of {$23000.00} -This is not my account.
Product: Debt collection

I'm requesting that this collection be removed from the credit report. My credit limit was {$300.00} and I settled to pay XXXX. I attached my supportive documents. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed that my utilization rate is being reported on my XXXX account. Utilization rate is categorized as an " experience '' I have with that company so reporting it publicly to Experian, XXXX and XXXX is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a ( 2 ) ( a ) ( i )
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid for yearly subscription to Equifax, have disputed information as missing or inaccurate multiple times reference CFPB Case number XXXX, CFPB Case number XXXX, Reference CFPB Case XXXX. Tradeline being " XXXX '' is being suppressed on my credit report resulting in my credit worthiness and score to be lower. It's damaging and inaccurate. Missing information / account should be appearing on my personal credit report. Documents attached below state the lender " XXXX '' has reported this information to Equifax on XX/XX/2020. Still does not appear on my credit report.
Product: Student loan

I set up a repayment plan for my student loans. When I talked to a representative, in the beginning, they reassured me that all my loans were out of default and into the repayment program. I received a letter in the mail later that month letting me know that my biggest loan was about to be delinquent. I called Sallie Mae right away to resolve the matter and a lady representative reassured me that all of my loans were up to date and that my loan was n't in the negative. 2 months pass and I receive a third letter letting me know that my loan was in default and that I would have to put XXXX down to get my loan back in good graces. Needless to say, since the lawsuit, they have n't called me about the matter but they were very disrespectful about having me repay. Also, they told me that an income based payment plan did n't exist and that I would have to put at least XXXX down to fix my loan.
Product: Credit reporting or other personal consumer reports

Experian is furnishing information on my consumer report after I opted out of any LATE PAYMENT, CREDIT UTILIZATION, INQUIRIES, INCORRECT ADDRESSES, and INCORRECT NAMES per Per 15 U.S Code 6802 ( b ) They are violating my rights to privacy as a Consumer and affecting my ability to obtain Credit. 

I sent my initial requests on XX/XX/XXXX through mail to the CEO, but I have not had my requests acknowledged.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted XXXX about removing accounts from my consumer report. I made several calls to the company. On my last call I was told that the XXXX XXXX XXXX  account would be removed from my consumer report within the week. It has now been a month and the account is still there. I was a given a confirmation number XXXX. I let them know they are violating 15 U.S. Code 1681.
Product: Debt collection

Person said he was law official ready to pick me up tomorrow, papers have been filed with XXXX county and will be arrested at my work place. I called back the number and asked why the phone calls to my parents, my work and myself today. Person on phone was rude and put me on hold, I waited 5 minutes and no one return. It looks to be a scam for debt collections, if so I was willing to pay as for I am in process of clearing all my debt and have 2 left on my account. I am not sure if its the account, but they would not even give me a choice to ask why they are calling me. They threaten my dad that if I don't call by XXXX today, all prosecution will take place. I have the recording they sent to my work too.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage insurance payment was due on XX/XX/2023, but Newrez, XXXX XXXX Shellpoint Mortgage didn't mail the payment until XX/XX/XXXX. They stated that they didn't received the renewal notice until XX/XX/XXXX. I received my renewal notice approximately XX/XX/XXXX or XX/XX/XXXX. They also stated they reach out to my agent XXXX XXXX at XXXX to get a physical address to mail the payment but didn't receive an answer. However, XXXX XXXX XXXX phone number XXXX is listed on the renewal notice. 
My agent mailed a letter dated XX/XX/XXXX stating the payment had not been received, but I was working out of town and didn't received until I returned home on XX/XX/XXXX. No one never reached out to me via phone regarding the matter, as mail can get caught up or lost frequently. The payment wasn't received by XXXX  XXXX  ( XXXX XXXX ) until XX/XX/XXXX resulting in my policy being cancelled. However, the check was cashed by XXXX XXXX  ( XXXX XXXX ). I received a check for the payment reimbursement dated XX/XX/XXXX. 
On XX/XX/XXXX, I reached out to Newrez, XXXX XXXX and XXXX XXXX but I was told by all agencies there is nothing that they can be done. XXXX XXXX has stop writing policies in my parish and state. Trying to get homeowners coverage in my area is like trying to find a needle in a haystack. 
I am being penalized for an error that is beyond my control. My question would be why are we ( consumers ) need an escrow account if payments are not going to be made on time and it ends up costing us more money. 
This is unfair on all levels and this type of practice needs to be swiftly dealt with. 
Thank you in advance for your help, it's greatly appreciated! 

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

The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX, NJ XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the attached dispute letter to Equifax dated XX/XX/XXXX listed inaccuracies such as a late payment and account information. As a result of the dispute inaccuracies, Equifax deleted the entire accounts in error. Since, I fax to XXXX on XX/XX/XXXX to reinsert the open and active accounts without action or communication. On XX/XX/XXXX, I fax again to Equifax at XXXX, and to date, no action to correct this error, nor have I hear from them to have the open and active accounts reinserted. Since, I called XXXX XXXX XXXX  XXXX and spoke with XXXX and was informed they reported to Equifax on XX/XX/XXXX, XXXX XXXX and XXXX of XXXX. I caleed XXXX XXXX XXXX  an spoke with XXXX and was informed they report to Equifax every Friday. I called and spoke with XXXX at XXXX XXXX XXXX and they last report to Equifax on XX/XX/XXXX. My XXXX  XXXX Auto Financial was not disputed as this is open and active, yet Equifax deleetd the account in error, and XXXX from XXXX XXXX stated they report to Equifax on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX. To date, no action has been taken to correct and reinsert the above listed accounts that are open and active.
Product: Debt collection

Portfolio Recovery constantly contacted me about debt owed to XXXX XXXX and XXXX although I told them not to. Also they reaged the debt and rudely informed me that I would have to pay or else. They said they would continue to ruin my credit. I was coerced to pay it and was promised that the items would be deleted from my report. The items are still listed on there although I have disputed them. One of the supervisors was also really nasty to me over the phone.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Inaccurate Information on Credit Report - Request for Removal of Charge-Offs under 15 USC 1681e ( b ) Dear Sir/Madam, I am writing to formally lodge a complaint regarding the presence of inaccurate charge-off entries on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in a consumers credit report. Unfortunately, this has not been adhered to in my case. Upon reviewing my credit report from Annual Credit Report, I have identified the following erroneous late payments : XXXX. Creditor : XXXX XXXX Account XXXX and Account Number : XXXX XXXX. Creditor : XXXXXXXX XXXX Account Number : XXXX. XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX These entries are incorrect and have negatively impacted my credit score and overall financial health. I have previously contacted the credit reporting agency to dispute these inaccuracies, but the issue remains unresolved. According to 15 USC 1681e ( b ), consumer reporting agencies must ensure that they follow reasonable procedures to guarantee that the information they provide is accurate. The continued presence of these inaccurate charge-off entries suggests that the credit reporting agency has failed in its duty to uphold this standard. Furthermore, it is essential to highlight what the IRS classifies as a charge-off. According to the IRS, a charge-off occurs when a creditor writes off a debt as a loss for tax purposes, indicating that the creditor does not expect to collect the outstanding amount. However, this accounting action does not relieve the debtor of the obligation to repay the debt. The IRS 's classification underscores that a charge-off is more about a creditors accounting practices rather than a definitive statement on the status of the debt itself. Therefore, the continued reporting of these charge-offs as unresolved debts on my credit report is misleading and detrimental. I am requesting that the Consumer Financial Protection Bureau intervene in this matter to ensure that the credit reporting agency in question complies with its legal obligations under the FCRA. Specifically, I request the following actions : 1. A thorough investigation into the procedures used by the credit reporting agency to verify the accuracy of the reported charge-offs. 2. The immediate removal of the erroneous charge-off entries from my credit report. 3. Confirmation in writing that these charge-offs have been removed and will not reappear on my credit report in the future. I appreciate your attention to this urgent matter and look forward to your prompt resolution. Should you require any further information, please do not hesitate to contact me. Thank you for your assistance. Sincerely, XXXX XXXX
Product: Debt collection

received a letter from XXXX XXXX XXXX XXXX concerning a debt from XXXX XXXX XXXX for XXXX i spoke to them on 3 occasions concerning the issue. i informed them that this was do to fraudulent transactions. the debt collector was only concerned with getting a settlement of XXXX regardless of the issue. i also asked them for everything they had from XXXX XXXX but received nothing from them. they have ignored my request to dispute this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contested the following information included on the attached files with TransUnion and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much XXXX XXXX XXXX XXXX because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. TransUnion has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Product: Debt collection

The drop-down menu does not have an option that would be on point with my complaint which is trifold:1 ) During negotiations of the settlement of balance on my credit cards, Amex repeatedly represented and promised that if I entered into a repayment agreement and made all payments on time pursuant to it, my accounts with Amex would be reopened based only on the repayment history. However, when I contacted Amex upon making all XXXX payments on time, Amex refused to reopen my, accounts. 

2 ) During the repayment period of 36 months, neither Amex nor their debt collector - XXXX - provided periodic account statements as required by law. In that period of time, I received only XXXX random statements out of the minimum of XXXX which they should have provided to comply with the law ( quarterly frequency is the lowest permissible under the law ). 

3 ) I believe that my payments were misapplied, and that as a result, the amount I paid exceeded what was owed to Amex. Of course, timely statements, had they been provided, would have allowed me to verify the application of my payments, but I was deprived of the opportunity of such timely verification. Through other sources of information including my credit report, I was able to confirm that in XXXX 2015, Amex reported XXXX of my cards as paid off in full. Giving Amex the benefit of the doubt ( and assuming that they report such information timely ) that card might have been paid off in XXXX 2015 ( if not earlier ). However, Amex continued to collect and apply towards that account a portion of my payment for the months of XXXX and XXXX. Those payments amounted to {$140.00}, and I believe that that is the amount of overpayment which should have been returned to me.