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

In XXXX XXXX XXXX I called Cavalry Portfolio Services to discuss a 1099-C ( discharge of debt ) form that was accepted by the IRS. Cavalry informed me that they have no knowledge of the 1099-C form and also that they are no longer responsible for the debt. 
I asked them to confirm that if i wanted to settle the debt with them, would they be able to accept payment and close out the debt, they said NO, I would no longer be able to settle debt with them because this debt has been transferred to another debt collection agency. 
I asked them why are they still reporting against my credit if they are no longer responsible for my account and they said they couldn't discuss the debt on my account because they no longer handle the account. 

I've never received a letter, email or phone call from the new creditor XXXX XXXX XXXX to this day and recently I recognized a credit inquiry from XXXX XXXX XXXX that I did not authorize. This violates 15 USC Code 6802 Obligations with respect to disclosure of personal information states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice. 

I emailed XXXX XXXX XXXX on XX/XX/XXXX and still have received no form of communication from them. Per FCRA 611 ( a ) ( 2 ) ( b ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer. 

I disputed the debt reported by Cavalry Portfolio Services to all 3 credit bureaus ( XXXX, XXXX, XXXX ) and Cavalry responded to all 3 bureaus validating the debt as valid and correct. The same debt that they will talk to me about over the phone or accept payment because they no longer " handle the account ''. 

Cavalry Portfolio Solutions XXXX XXXX XXXX XXXX are not only deceiving me but also the credit bureaus and directly destroying my credit score by reporting false negative debt. The negative information associated with this invalid debt is damaging my credit score and ability to obtain financing.

Cavalry Portfolio Solutions is actively reporting negative debt that they are no longer the collectors of. XXXX XXXX XXXX has not responded to my validation letter and is not the collection agency reporting the debt. I have 1 debt and am being tossed back and forth between 2 collectors. 

I never signed any agreement or promise to pay Cavalry Portfolio Solutions or XXXX XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter for an inaccurate account on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have this account updated ASAP : XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

" In early XX/XX/2024, GM Financial carried out the repossession of my vehicle under contentious circumstances that lacked proper legal justification and notice, contrary to the requirements set forth in UCC XXXX and XXXX. This action was not only surprising but also handled without the transparency and fair dealing required by law. Specifically, on XX/XX/2024, XXXX XXXX XXXX XXXX  induced by this sudden and unjust repossession led to significant health issues, resulting in my hospitalization. Despite multiple attempts to engage with GM Financial to clarify the alleged debts and to receive a detailed breakdown of any fees or charges applied, my requests were repeatedly ignored or inadequately addressed. This situation has continued to deteriorate, with GM Financial failing to provide essential documentation or rectify the inaccuracies reported to credit bureaus, further impacting my financial standing and credit history adversely. ''
Product: Debt collection

Dear CFPB, I am filing a complaint regarding Chrysler Capitals inaccurate reporting of repossession information. Specifically, Chrysler Capital has reported to all credit bureaus that my account was settled, when in fact it was not. I did not settle the account. The balance is zero because Chrysler Capital waived the amount owed due to an inaccuracy, but they continue to incorrectly report that the account was settled by me.

Despite my repeated attempts to resolve this issue, Chrysler Capital has failed to correct the inaccurate information. I have sent a certified mail request specifically asking Chrysler Capital to notify the credit bureaus that the account was not settled by me and to correct the record. However, they have not responded or taken corrective action. 

Additionally, Chrysler Capital has been unable to verify my address on file, further complicating the situation and preventing any resolution. I have made multiple attempts to obtain the requested information, but Chrysler Capital has not provided the documentation or corrected the inaccurate reports. 

I am requesting the immediate removal of the inaccurate information from my credit report, as Chrysler Capital continues to report that the account was settled when it was not. This ongoing error has been reported multiple times and has not been corrected despite my consistent efforts. 

I am asking for your assistance in ensuring Chrysler Capital : Corrects the inaccurate reporting to all credit bureaus, specifically that the account was not settled by me. 
Provides a statement clarifying the waiver of the amount owed, including the reasons for the adjustment, and confirms that the balance is XXXX. 
Removes the inaccurate reporting of " settled '' from my credit report. 
I appreciate your help in resolving this matter and ensuring that Chrysler Capital corrects their reporting. Below attached documents are : XXXX stating they can not confirm me when I sent all information to verify me through certified mail. I am currently homeless with this matter, and sent in documentation proving that do to me not having a lease. Confirmation of Chrysler Capital not having my incorrect information in on file for me to receive any documentation and a copy from all bureaus with current showings. XXXX removes information from previous disputes with incorrect purchase date, balance amount, address and amount owed. Company also lies that I settled when I did not, only to waive balance to " XXXX '', but refuses to delete report. 
Also, the customer ID is not accurate. 
Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX ( Do not consent to Chrysler capital email correspondence ) Account # : XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Product: Debt collection

collection account MRSBPO LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$60.00} STATEMENT THIS IS NOT MINE. I WAS NOTIFIED BY XXXX BECAUSE I AM A VICTIM OF ID THEFT SO MY CREDIT IS SUPPOSED TO BE LOCK FOR A YEAR BUT SOMEHOW IT IS NOT. I NEVER RECEIVE A STATEMENT IN THE MAIL OF THIS COLLECTION. 
I HAVE ONLY DISPUTED THIS COLLECTION WITH XXXX SINCE THEY ARE REPORTING IT. 
XXXX MAIL STATEMENT TO ME STATING THAT THEY CAN'T PROVE THAT THIS ISNT MINE SO THEY ARE LEAVING COLLECTIONS ON MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX Im writing because your company has a few items that are incorrect XXXX XXXX does not belong to me XXXX XXXX XXXX is not late also XXXX is not late
Product: Checking or savings account

This is a very general complaint that covers a variety of businesses and financial institutions, specifically : Late Fees and Overdraft charges on all types of accounts. 

Banks ( XXXX ) have charged me {$16.00} and ( up to {$32.00} ) for an insufficient funds charge. One rent check was posted early and caused multiple other checks to bounce with 10 charges totaling {$160.00} even when I requested them to deny the {$900.00} rent check so that the others could clear. 

This also includes credit card companies ; Chase charges a {$39.00} late payment fee in addition to the exorbitant interest on their card, and same for others, XXXX XXXX, XXXX, etc. 

Additionally this is a practice by every service provider business model out there from Internet Services to Cell Phones. The amount they charge for a 1 day infraction is ridiculous and MUST BE STOPPED!!!
Product: Checking or savings account

Navy federal has charged me an absurd amount in over draft fees since i opened a bank account with them. They never responded or reimbursed for the fees taken
Product: Debt collection

On about XXXX XX/XX/XXXX, I left XXXX XXXX apartments in XXXX Wa. On about XXXX XXXX I received a bill for approximately XXXX dollars for final move out expenses. I paid this amount in full on the apartments online payment portal on XXXX XX/XX/XXXX. 
On approximately XXXX XX/XX/XXXX, I received a call from IQ data, a debt collection agency, that I had an outstanding debt of XXXX dollars, and with their processing fees the owed amount was XXXX. The call seemed to be a scam, and I was confident the bill was paid so I told the caller I would not pay the amount until I did some research and reached out to the apartment company to validate that the debt was not paid. The caller immediately shifted to high pressure tactics and threatened action on my credit report if I did not pay. I told them I would not pay until I resolved it with the apartment. 
I then called the apartment and determined a debt had been sent to collection, however the apartment employee did not have access to my account, so was unable to access any of my online portal payments. The next day the collection agency called me and again pressured me that if I did not pay my credit score may be adversely impacted and pushed further on high pressure tactics. I was confident that the agency was not a scammer and the caller told me that I could pay the amount under a dispute, where the agency was required to follow up with resolution on my dispute. I payed under protest with the intention if the debt was reported incorrectly I would dispute it with reasonable resolution. 
On the XXXX of XXXX, XXXX XXXX was able to access my file, and through my banking statements I was able to cite the day I payed the XXXX dollar bill and they were able to prove I payed the bill on the XXXX of XX/XX/XXXX and they incorrectly contracted my paid debt. They emailed me and IQ data the XXXX balance receipt and reported that I was paid up. 
After a month, and reaching out to IQ data on a status, I received no follow up and called IQ data to get status on my dispute. The operator was rude, indignant, disrespectful and refused to give me any status on my claim or point me to any direction on how to resolve the issue. His approach was similar in bullying high pressure tactics used to collect the debt. I have objective evidence the debt was paid properly and never should have gone to collections. Additionally I have email correspondence from XXXX XXXX to me and IQ data stating this. I have email correspondence of me reaching out to IQ data for follow up with no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you as a concerned individual regarding several inquiries that have appeared on my credit report without my authorization. I kindly request that you take immediate action to remove the following unauthorized inquiries from my credit report within four business days : 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 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  Additionally, I request that you thoroughly review my credit report and remove any inquiries that are not attached to active accounts. It is essential to maintain the accuracy and integrity of my credit history by removing irrelevant inquiries that may affect my creditworthiness unfairly.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information on my credit report, including inquiries that are not associated with active accounts. I have enclosed copies of my credit report highlighting the aforementioned unauthorized inquiries for your reference and convenience. I trust that you will thoroughly investigate this matter and take the necessary steps to rectify the situation promptly. 

Furthermore, please provide me with a written confirmation of the removal of both the unauthorized inquiries and the inquiries not attached to active accounts from my credit report. This confirmation should be sent to the address mentioned above or emailed to the provided email address within ten business days of receiving this letter. 

Thank you for your immediate attention to this matter. I have faith in your commitment to upholding fair credit reporting practices and trust that you will address this issue in a timely and efficient manner. Your cooperation and prompt response will be greatly appreciated. 

Should you require any additional information or documentation from me, please do not hesitate to contact me at the phone number or email address provided above. I look forward to a swift resolution of this matter. 

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

XX/XX/XXXX I sent this letter to XXXX XXXX Dear : XXXX XXXX XXXX As I was reviewing my credit report I became aware of a collections account reporting by your company. What I find strange is your attempt to collect on a debt thats non-existence. Why would I pay for something I do not owe? Again, I dont owe you any money? 
With that being said, please see this letter as me disputing this alleged debt with your company as well as requesting debt validation. 
Thirty days, is more than enough time for you to send me legal supporting documents bearing that this account belongs to me, hence owing you any money. 

Regards, Experian XX/XX/XXXX Report # XXXX Dispute Results : * XXXX XXXX XXXX XXXX-Verified as accurate *XXXX XXXX XXXX XXXX XXXX- Verified as accurate Experian XX/XX/XXXX Report # XXXX Dispute Results : *XXXX XXXX XXXX XXXX Deleted *XXXX XXXX XXXX XXXX XXXX-Updated If XXXX XXXX sold this account to XXXX XXXX XXXX why were they both reporting as open? Once I sent the debt validation letter to XXXX XXXX XXXX it was finally removed. Attached below is the letter that I sent the credit bureaus. 

Dear Credit Bureau I am writing to dispute this account that is reporting inaccurately. I contacted XXXX XXXX XXXX at the telephone number XXXX on XX/XX/XXXX at XXXX XXXX and was advised to contact another number XXXX. What I find strange is XXXX XXXX XXXX sold this account to XXXX XXXX XXXX, but XXXX XXXX XXXX has removed this from my credit file as of XX/XX/XXXX after my dispute with them. Both XXXX XXXX XXXX  and XXXX XXXX XXXX, with the same partial account number XXXX were both reporting on this same debt. IMPOSSIBLE!! This is not a valid debt so how are you reporting it if its non-existence? I demand that you provide me with legal proof. Why would I pay for something I do not owe? Again, I dont owe XXXX XXXX XXXX any money? I demand this information be deleted from my report. Send me an updated copy of my report once this has been deleted. 
Thirty days, is more than enough time for you/XXXX XXXX XXXX  to send me legal supporting documents bearing that this account belongs to me, hence owing XXXX XXXX XXXX  any money. Im demanding that this is removed from my credit report immediately if XXXX XXXX XXXX cant provide proper information/documentation that I owe their company. Continuing to report this inaccurate, unverifiable information on my report is illegal and I will file a complaint with CFPB, FTC, XXXX and whoever else I need to get this resolved. 

Regards, THE IS UNFAIR TO MYSELF AS A CONSUMER AND I WOULD LIKE FOR BOTH ITEMS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. All types of credit cards and loans were applied for in my name without my knowledge. I talked to the credit bureau companies, they told me I needed to file a police report. I can't believe someone would do this to me or that the credit bureaus are making me file a police report when they normally handle things like this. I want these accounts removed off my credit. I listed the accounts that needs to be removed since I did not apply for these accounts. Transunion FRAUDULENT ACCOUNTS TO BE DELETED : 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 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, credit repair services, or other personal consumer reports

I HAVE A LOT OF INACCURATE INFORMATION ON MY CREDIT REPORT. SOMEONE ELSE IS USING MY IDENTY TO OBTAIN CREDIT. 
THIS INQUIRIES ARE UNAURTHORIZED AND CAUSING ME GREAT HARM AND ANXIETY TO SAY THE LEAST. 
XXXX XXXX XXXX XXXX ON THERE TWICE XXXX XXXXXXXX THESE ARE THE CREDIT ITEMS THAT HAVE BEEN OBVIOUSLY ISSUED AND USED UNDER MY SS # CAPITAL XXXX XXXX XXXX XXXX ACCOUNT # XXXX ANOTHER : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX IXXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX THIS IS AN ACCOUNT THAT BELONGS TO ME FOR A CAR THAT WAS TOTALED BUT THE GAP INSURANCE PAID IT OFF. THEY ALSO SENT THIS TO A COLLECTION AGENGY THAT REPORTING NEGATIVELY ON ME. 
XXXX ACCOUNT # XXXX THIS IS NOT MY ACCOUNT XXXX XXXX ACCOUNT # XXXX IS REPORTING THAT THIS ACCOUNT WAS PAID LATE AND THIS IS INACCURATE I JUST GOT THE CAR.
Product: Credit reporting or other personal consumer reports

Company/date - Midland Credit Manag XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The fraudulent accounts listed above is not mine.

I have not supplied proof under the doctrine of estoppel silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX 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 XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax , Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders were able to access names, Social Security numbers, birth dates, addresses, driver 's licenses, and possibly credit card numbers. Equifax 's records indicate that my information was at risk. When I checked with Equifax 's records, I was asked to opt into an agreement whereby Equifax would offer free credit-file monitoring and identity-theft protection in exchange for my waiver of a right to file a lawsuit ( whether individually or as a member of a collective or class action ) against them. I declined to accept those terms. I am concerned that Equifax 's lack of proper security may have allowed bad actors to acquire my personal information, and as such, my information may now effectively be public data. I am also concerned that Equifax did not announce this data breach until just  recently, and the company has not taken steps to contact affected individuals like myself directly.