23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020, United revenue Corp added a derogatory mark on my credit report for the amount of {$840.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection, Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA, United Revenue Corp has violated my rights as a consumer and I'm requesting legal action to remove this account immediately from all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company points out in a prior complaint a settlement and the details of the settlement but fails to acknowledge that the account turns to income once charged off. The account was charged off on XX/XX/XXXX. After the settlement balance was paid there was a XXXX issued XX/XX/XXXX with a discharged balance of XXXX that is required by law to be reported to the IRS as income by the consumer. The account status is no longer debt but INCOME. Reporting this account as anything other than income after the the company has charged off the account is inaccurate and income DOES NOT get reported on a consumer report which is why the account needs to be deleted. XXXX XXXX was relieved of the tax burden with this account and the tax burden then placed on the consumer when charged off. There's also case law to back up what I've just stated. XXXX XXXX XXXX v. Nicholas, Amtrust Bank v. Fossett. I've been very direct in pointing out how the company has violated the FCRA. At this point the company is willfully non compliant given I have put them on notice prior to this complaint. Under 15 usc 1681n XXXX XXXX can be held for civil liability for willful non compliance. Delete the account from my consumer report.
Product: Debt collection

I am writing to dispute a fraudulent account that is being reported by XXXX XXXX XXXX for Comenity Bank on my credit report. I have no knowledge of this account, and I did not open or authorize it. I believe this account is the result of identity theft. I request that XXXX XXXX XXXX and Comenity Bank cease reporting this account and remove it from my credit report as soon as possible. 

There are multiple accounts for Comenity Bank/Victoria Secret and Comenity Bank NY & CO There are two accounts listed on my credit for XXXX XXXX XXXX XXXX and XXXX I am currently taking steps to protect myself by completing the identity theft report and a police report. Please provide confirmation that this account will be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged Identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to removed/block any accounts not later than 4 business days after the date of the previous letter. Ive already included this report in my previous letter & I am including them again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The account XXXX XXXX Bank on my credit report was paid in full and I was told by XXXX XXXX XXXX XXXX who owns and bought the account that it would be deleted off my credit report and it hasnt and its been paid in full since XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

The inaccurate Accounts Include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

As usual experian is closing another complaint without addressing the problem which still is experian stole NOW XXXX  months of on time never late payments to XXXX and refuse to give them back but give ridiculous explanations for things that don't have anything to do with the problem
Product: Credit reporting or other personal consumer reports

These accounts contain information that is both incomplete and inaccurate, thus violating my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, FCRA Section 611 ( a ) ( 1 ) ( A ) stipulates that consumer reporting agencies must provide accurate and complete information in credit reports. Furthermore, FCRA Section 623 ( a ) ( 2 ) mandates that if a consumer disputes the completeness or accuracy of any information in their credit file, the consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate or incomplete. 

In addition to FCRA violations, I refer to specific consumer laws that reinforce the importance of accurate credit reporting. The Consumer Credit Reporting Reform Act of 1996 ( Public Law 104-208 ) and the Consumer Financial Protection Act of 2010 ( Public Law 111-203 ) both underscore the necessity for accurate and fair credit reporting practices. These laws were established to protect consumers from inaccurate information impacting their creditworthiness. 

Furthermore, the Fair and Accurate Credit Transactions Act of 2003 ( FACTA ) amended the FCRA to include provisions for the accurate reporting of consumer information and the removal of inaccurate information from credit reports. Under FACTA Section 312, consumers have the right to dispute inaccurate information on their credit reports and have it corrected or removed. 

The accounts on my credit report are inaccurate and incomplete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : 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 card

To whom it may concern I am writing this letter again to get this issue taken care of I dont know what the problem is with the people that work at apple card support in Goldman Sachs I dont know if theres youre XXXX or XXXX XXXXXXXX and ignorant but again for the {$180.00} XXXX charge that is on my account that you say that no credit is due for about the zillion time Im telling you that last XXXX of 2023 I had placed an order with XXXX XXXX and put the order on my apple card the order was cancelled understand me listen again the order was cancelled and it was never delivered to my address I never received the merchandise I never received any merchandise understand and listen to this again never received any merchandise the order was cancelled and I was promised a refund by XXXX XXXX I disputed this charge because I never received the refund from XXXX XXXX XXXX have submitted documentation over and over and over and over and over again to apple card and you keep spewing out the same garbage like you have before now Im going to report this again to the XXXX XXXX XXXX and to the consumer complaint to get this issue addressed because this is ridiculous and Im tired of arguing with apple cart you do not know what you are doing the order was never delivered to me it was cancelled by XXXX XXXX because items were out of stock and they promised me a refund and never did give me a refund and I am entitled to that money I need to get that {$180.00} refunded to me and I need to get that issue taken care of again Im going to be complaining to whoever will listen and Im going to be sending this documentation back over to you yet again.
Product: Mortgage

RE : Violation of RESPA and the 2010 financial regulation act by a mortgage servicer. 

FAY Servicing ( XXXX XXXX XXXX XXXX ) charging me a {$480.00} ( corporate advance ) fee on a payoff I ordered this month on Loan number XXXX on property XXXX XXXX XXXX XXXX # XXXX XXXX, CO. XXXX. Fay servicing said this fee was transferred to them from a prior servicer named XXXX XXXX ( XXXX XXXX XXXX XXXX ) who had a loan number of XXXX and was transferred from from XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX. This fee showed up on my statements in XXXX with XXXX and I questioned it. They sent me a very general letter form XXXX XXXX XXXX but no specifics on exactly what this fee was for or who it originated from. I called XXXX XXXX XXXX and spoke to a XXXX in the fee department and she confirmed it was NOT from XXXX XXXX XXXX. I believe XXXX XXXX XXXX is out of business now. It looks like per my file and research the only thing I can think of is they are assessing this fee for an inspection or an appraisal in the middle of my servicing? The issue I have is I was NEVER disclosed verbally or in writing by anyone or signed any docs relating to this fee nor received a copy of an inspection or appraisal if one was done. I believe this fee was created to take advantage of a borrower and to charge them a " junk '' fee for a service never performed and ignored the disclosure laws which were put in law in 2010 namely the Financial Regulation Act and RESPA. I believe Fay Servicing is in violation of these Federal Laws. They ignored my request to research this and to get me answers and talked down to me and basically wanted me to pay it and accept it for its on my payoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have trying to get information regarding disputes from Experian. When I do it electronically and via mail. EXPERIAN tells me, the consumer, they will not investigate the matter again. And they will not share the information on how they investigated it.
Product: Credit reporting or other personal consumer reports

XX/XX/year> After getting my free Annual Credit Report from Experian, the Experian website said I did not have a " credit lock '' on my account, I turned it on thinking I was renewing my security freeze which I have had on for years. 

XX/XX/year> I was billed for Experian Premium membership. 

XX/XX/year> I cancelled the membership which I had never used because I didn't realize I had a membership. 
I was unable to contact Experian because I could find no contact info on their website ( no phone number, no email, no chat ) and categories under XXXXelp did not fit my situation. 
I have been trying to dispute this charge through my credit card company. 

XX/XX/year> XXXX Experian Premium membership was again charged to my credit card.

MY MAIN COMPLAINT IS THAT THE EXPERIAN WEBSITE IS DECEPTIVE AND DIFFICULT TO NAVIGATE.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX XXXX payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXXXXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided. I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit card

Im requesting a copy of the 1099c for this account to verify with the Internal Revenue Service that the amount that SYNCB/PAYPAL Credit Card is what their reporting. This debt is considered a charge off However, this actually considered income because I should have received a 1099c in order to account for this as income. This is not charged off. Im requesting that this is removed because it is not debt. This is considered income according to the IRS canceled debt income and INCOME SHOULD NOT BE REPORTING ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.
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 XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to remove any items not later than XXXX 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, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$66.00} ; XXXX XXXX XXXX : {$73.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, NV XXXX Dear XXXX XXXX I am writing to you regarding my [ credit card/account number ] XXXX XXXX XXXX XXXX with your company. I recently discovered that there is a late payment recorded on my credit report for the month of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ]. I am writing to request that this late payment be removed from my credit report. 

The reason for the late payment was due to unexpected financial hardship. 
I understand that maintaining a positive credit history is essential, and I have been a loyal and responsible customer with your company since XXXX XXXX. I sincerely hope you will consider removing this late payment from my credit report as a gesture of goodwill. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Mortgage

XX/XX/XXXX - Took a {$240000.00} mortgage with XXXX XXXX to consolidate mortgage, home equity line of credit and other debt. Interest rate 8.775 %. Poor credit caused the rate to be high. Payments {$2200.00} ( principal, interest, real estate and home owners insurance ) XX/XX/XXXX - after XXXX months of consideration process with then mortgage holder Selene Finance, XXXX and streamline modification granted taking the payments of {$2200.00} to {$2600.00} First payment due XX/XX/XXXX The new payment included all of the interest, fees assessed, et al. Contacted Selene to explain the purpose of the modification request was to lower the payments. Could not afford the {$2200.00} how was {$2600.00} or 17 % increase plausible? 

XX/XX/XXXX - enlisted the services of XXXX XXXX XXXX to mediate on my behalf ( {$800.00} monthly fee. The original package supplied a Notice of Demand as to the predatory lending practices of Selene. The demand letter stated ( in part ) " ... have concluded that { we } can successfully plead cause of actions for legal violations under truth-in-lending act is associated Reg Z the consumer fraud protection act, common law fraud, unjust enrichment and the covenant of good faith and fair dealing ... '' in closing Intel order or verdict rescinding the transactions, award of any attorney fees, costs, return of all paid interest and closing costs. Statutory damages ; lawful interest ; compensatory and/or punitive damages ; cost of suit ; any other relief as the Court may deem equitable and just. Separate letter Qualified Written Request under the Federal servicer act. 
Both attempts- with Selene LP and XXXX - needed to submit a Hardship Letter. Both entities were made well aware of my mental health disability.

Was self-employed. ( as an LLC which has been dissolved ) Cleaning service for summer rental was halved in XXXX. Did not work during the COVID summer season and was eligible to receive monthly benefits by means of the CARE Act and XXXX program XX/XX/XXXX - my doctor placed me on temporary disability currently no determinable return ( if at all ) date. 

XX/XX/XXXX - spoke with XXXX as to why I would be getting the affidavit of intent to foreclosure. THEN it was communicated the letter or qualified written request were filed with Selene. No communication in any manner has been made with Selene and there are no attorneys at XXXX XX/XX/XXXX -Served by the Superior Court of New Jersey Chancery Division XXXX Foreclosure complaint The Court needs a reply within XXXX days
Product: Credit card

Late last year ( XX/XX/XXXX ) I experienced what I believe is Identify theft. I discovered that someone had applied & received multiple credit cards in my name. So, I called experian to explain that this was not my doing & to please take it off my credit report & do a security freeze & fraud alert, so that no one could do it again. I took notes only during some of the calls I had to make to get this sorted out but here is all the info I have. Just recently my credit score suffered damage due to the same account I thought had long been taken off my credit account. 
The rep. I spoke with recently gave me this info : Reference ID # - XXXX Opened date Origination date - XX/XX/XXXX XXXX XXXX is the credit companys new name originally it was XXXX XXXX Proof that I spoke w/ someone at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Name XXXX XXXX Employee XXXX XXXX XXXX = last time I called now its a collection XX/XX/XXXX up to XXXX  days investigate The fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX  XXXX {$2100.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

Mr cooper has a partial payment option and additional payment options. I use the partial payment option every month. I am usually paid ahead a XXXX  or XXXX. Website says partial payments will not be added until a full payment is reached. Well my funds are always applied as additional principal by mr cooper. As i stated there is a different option for that. I call every month and ask them to correct this and to reapply my funds to the payment. This past XXXX  was no different. I called XXXX  and chatted and see they reversed my payment back to additional principal and I was not credited for my payemnt due XX/XX/XXXX. I made enough payments by mid XXXX. Well On XX/XX/16 because of misapplied funds and a website and customer service that do not function correctly. I was hit with a late fee for a payment that I made a XXXX  ago and also asked to have it correct on multiple times. Please have this institution correct this payment error not just this XXXX time but whatever makes them apply my funds differently than i request.
Product: Credit reporting or other personal consumer reports

The bank reported a deliquent account which they were supposed to close. I went into the bank to close all accounts and paid to have the accounts closed. Before leaving the bank I was told that all accounts were closed. However, I received a 30 day delinquent notice on the credit line which was supposed to be closed. I worked with their team to discover what caused the issue and learned that the staff did not know how to navigate and properly close the accounts. They acknowledged their error, with their credit team ( on the phone line, i walked to the bank with the bank 's credit person on the line ) on the line and and was told that they would resolve the issue. This was over a year ago and I'm still trying to get help to resolve the issue. I've contacted credit buearus, multiple contacts at Citizens and have missed work trying to resolve this. Although I received letters from the bank stating that they would remove the delinquent marks, they continue to report the account as having been past due XXXX and XXXX  days. It's been a vicious cycle and I'm tried to resolve this amicably but have had no success. The issues has also delayed me from move forward with other personal matters such as relocation and job advancement.