23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear CFPB Representative, I am writing to formally dispute fraudulent activity and inaccuracies on my credit report that have negatively impacted my financial standing. 

In XX/XX/XXXX, I discovered that someone had fraudulently opened a Capital One credit card in my name. This account was used to charge {$720.00} at a Walmart Supercenter in XXXX. I became aware of this discrepancy while reviewing my credit report in preparation for building a home. 

Additionally, my credit report shows two addresses where I have never lived : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX, XXXX, AZ XXXX After retiring from the military in XX/XX/XXXX, I moved from XXXX, MO, to my current address at XXXX XXXX XXXX XXXX, XXXX  XXXX, MO XXXX, where I have resided for six years. These incorrect addresses should be removed from my credit history. 

I contacted Capital One about the fraudulent account, and they informed me that the card and statements were sent to my current address. However, I never received any notifications about this account or debt over the past year. Had I been aware, I would have immediately disputed it. 

This situation has impacted my ability to move forward with my financial goals, and I request your assistance in rectifying this matter. Please advise on the steps I need to take and any documentation required to resolve these issues. 

Thank you for your attention to this matter. I look forward to your guidance in resolving these inaccuracies and protecting my credit. You can reach me at XXXX or via email at XXXX. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

ARStrat , LLC, mailed me a collection notice dated XX/XX/XXXX, for an outstanding {$20.00} medical debt. 
On XX/XX/XXXX, I mailed to XXXX XXXX, customer support agent at ARStrat , LLC, via certified first-class mail, return receipt requested, a letter notifying them to cease all communication with me in connection with the account associated with the above matter, that if they failed to heed such notice, I would file a formal complaint against them with the Federal Trade Commission, the state attorney general 's office, and the XXXX XXXX XXXX, and that I would contact the original creditor directly to resolve the matter. The return receipt that I received indicated that this letter was delivered on XX/XX/XXXX, and signed for by RS XXXX, whose " printed name '' was XXXX. 
On XX/XX/XXXX, I paid the outstanding {$20.00} balance directly to the original creditor. 
Following receipt by ARStrat , LLC, of my letter described above and my payment of the outstanding balance to the original creditor, ARStrat , LLC, mailed me another collection notice dated XX/XX/XXXX, for the same outstanding balance. 
ARStrat , LLC, then mailed me a further collection notice dated XX/XX/XXXX, for the same outstanding balance.
Product: Credit reporting or other personal consumer reports

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


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed a tradeline held by the collection agency XXXX for the creditor XXXX/XXXX in the amount of {$300.00} on my Experian report on XX/XX/XXXX. On or around XX/XX/XXXX the results were completed and the tradeline was properly removed as inaccurate credit reporting. On XX/XX/XXXX, the XXXX/XXXX  account was transferred to XXXX XXXX XXXX who reported the same XXXX/XXXX  collection account for {$300.00} on my Experian report, which I disputed. However, Experian refused to remove the same tradeline after the dispute was completed on XX/XX/XXXX. Pursuant to XXXX U.S.C. XXXX of the FCRA, Experian is required to immediately remove the tradeline or face civil liability for willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts ( XXXX credit card and XXXX loan ) on my Experian credit report that popped up around XX/XX/2019. I did not apply for these accounts, these are fraudulent accounts and my bank account was takeover and I had to change all of my bank information. Someone changed all of my login credentials on XXXX website which was a red flag for me. I submitted a police report, FTC report, and a Identity theft cover letter. Experian did not block this information because of the information they got from XXXX, however I have not received anything from XXXX with proof these accounts were mine. This is drastically damaging all of my financials for my freight brokerage and it needs to be resolved as soon as possible.
Product: Mortgage

On XX/XX/2019 Carrington Mortgage called my wife at work " needing to talk to her about our loan ''. After a lengthy back and forth with the company she came to realize they were just calling to have us make our monthly payment sooner. As per our loan agreement, payments are due on the first but not late until the 15. We are not delinquent in our payments and make our payment on or before the 15 via electronic payment EVERY month. They called acting like we were behind on our payments and asked if we would " like to make arrangements to pay on the first ''. We have had loans serviced by multiple companies and have never had them call us asking to make payments sooner than our loan agreement states and this includes Carrington as they have serviced our loan for many years now. We made our payment as usual but this time it " failed to process '' on time and coincidentally were charged a late fee for the first time in years ( only 1 time in 10 years did we have a late fee which was legitimate ). We called customer service and they reversed the charge and processed our payment over the phone on XX/XX/XXXX assuring us this wouldn't happen again. 
Today, XX/XX/2019 we got a call from Carrington at XXXX XXXX  asking us to verify our loan info. When we refused until we knew what the call was about the caller said that was against policy until they could verify our identity. We asked to speak to a manager and were also told that that was against policy and we were unable to get more info on what the call was about. Concerned that this was a scam we called the company back and they verified they had called us again wanting to " make arrangements for payment '' of our loan still not late for 10 more days. We told them directly to take us off their call list and not contact us unless there was a problem or emergency with our account. We have never had harassing calls from a creditor when we were NOT delinquent in payments and this seems to be a new practice for Carrington as of XX/XX/2019. Our loan agreement is fixed and has not changed so we would like them to respect the terms of our agreement without complaint as long as we continue to do our part. Thank you.
Product: Credit card

I did not get the replacement card on the account when it was sold to Continental Finance, and then I got a text that I owed money on the card, which had been paid off. I couldn't go online to pay because I didn't have the new card to set up the online billpay. So, I got the phone number and paid the amount due ( {$10.00} ) plus a penalty for paying by phone ( {$5.00} ). I asked the person to cancel the card at that point since it was then paid off and she said she did. 

Now I got another text that I have a payment due. I reached out to see why I have a payment due when I paid it off and canceled it and they said I will continue to have maintenance fees due, even though I canceled the card. 

This is what the person keeps repeating in the chat : " No. Terms of your cardholder agreement remain in effect until the balance is paid in full such as making the minimum due payment each month. Interest and monthly maintenance fees will be billed on the account until the balance is satisfied. '' This is a circular argument that means I will never be able to cancel the card if they can just add another " maintenance fee '' on a card that had a XXXX balance and then claim that I can't cancel it since there's a {$10.00} payment due. On top of that, they tack on a {$5.00} fee to pay by phone ( since I don't have the card to make an online account to pay it ). 

This was an excellent card until Continental Finance bought it. Now it is garbage.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which is involved with the theft & a copy of a completed & submitted XXXX identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

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

Twice in XX/XX/2021 XXXX on XX/XX/XXXX AND XX/XX/XXXX ), Equifax reported my XXXX XXXX with XXXX XXXX as being closed. This caused my credit score to drop not once, but TWICE this month. They now corrected the issue, but failed to correct my credit points that dropped as a result of their incorrect reporting. I contacted XXXX XXXX on two occasions and they stated that my auto loan has been reported as open with all 3 credit bureaus monthly and this mistake was not on their end, but on Equifax end. When I called Equifax to get this matter resolved, the rep said " Im so sorry for your trouble. Let me get you the necessary information to remove a hard inquiry ''. I said " Sir, this isn't a hard inquiry. As I stated, this is an open report that is being inaccurately reported as closed! ". I need Equifax to correct their mistake and adjust my credit points that was taken away from me due to their error! This is very unfair as I am working extremely hard on keeping my credit score above XXXX. My score is now a XXXX! I'm attaching each days of the discrepancy to show how they removed and added on two occasions causing my score to drop on multiple occasions.
Product: Debt collection

DEAR CFPB, this complaint is in response to a correspondance from the OCC 's XXXX dept. case # XXXX concerning what I assume is some credit card debt that does not belong to I, XXXX XXXX XXXX and a judgment is in the public record that is erronously appearing on XXXX XXXX credit file unjustly. Please refer to case # XXXX. The agency Resurgent Capital Services is the entity who responded to my complaint against XXXX XXXX or XXXX
Product: Credit reporting or other personal consumer reports

I am REWRITING to EXPERIAN to dispute inaccurate information on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, AL XXXX. My date of birth is XX/XX/1976. The FTC report numbers related to this complaint are XXXX, XXXX, and XXXX. 

I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX XXXX Account number : XXXX I am writing to formally dispute the charge-off status that your agency has reported to my credit file, specifically regarding account number XXXX. This dispute is based on violations of the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 6802 and 15 USC 6801, which outline responsibilities for accurate reporting and consumer rights. 

According to 15 USC 6801, consumer reporting agencies must maintain reasonable procedures to ensure the accuracy of the information they report. It is my contention that the charge-off reported on my credit report does not accurately reflect the status of the account in question. 

Furthermore, under 15 USC 6802, consumer reporting agencies must investigate disputes promptly and ensure that any information found to be inaccurate, incomplete, or unverifiable is promptly deleted or corrected. 

Additionally, I wish to point out that in the event of a charge-off, I should have received a Form 1099-C ( Cancellation of Debt ) from the original creditor, since the amount is over {$600.00}, which I have not received to date. The issuance of a 1099-C is required by the Internal Revenue Service XXXX IRS ) for canceled debts exceeding {$600.00}, and its absence raises concerns about the accuracy of the charge-off status reported by your agency. 

I request that you conduct a thorough investigation into the accuracy of the charge-off status of the account. Please provide the following information : 1. Validation of the charge-off, including documentation showing the date of charge-off, the original creditors information, and any supporting details. 

2. Evidence that the charge-off was reported accurately and within the timeframe allowed by law.

3. Documentation proving that the reporting complies with the XXXX XXXX format guidelines. 

4. Confirmation of whether a 1099-C was issued for this charge-off and, if so, the date of issuance and the amount reported. 

Until this matter is investigated and resolved in accordance with the FCRA, I request that you remove the charge-off from my credit report. Additionally, please confirm in writing that this dispute has been received and is being investigated. 

Please provide a written response within XXXX XXXX of receipt of this letter. Failure to comply with these requests will leave me no choice but to pursue legal remedies available to me under federal law. 

Sincerely XXXX XXXX
Product: Debt collection

I have wrote them 5 times tell them to stop and quit. They said they removed me. They have not. Received another call today to a family members phone trying to get in touch. they left a vm. They called a CHILDS phone. 

Stop notices/no contact sent : XXXX XXXX XX/XX/21 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Phoenix Financial Services, LLC 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
Product: Checking or savings account

Dear Truist Customer Service Team, I am reaching out with a matter of utmost urgency and concern. I have contacted Truist on multiple occasions regarding unauthorized withdrawals from my account by XXXXXXXX XXXX, a company with which I do not have an account nor have I authorized any transactions. To date, these unauthorized withdrawals have totaled over {$1200.00}. 

Despite my repeated requests, I have been informed by Truist representatives that the bank is unable to block these unauthorized withdrawals. I am aware that financial institutions often have measures available to protect account holders from unauthorized transactions. I am therefore asking again for Truist to implement any available security measures to prevent further unauthorized access to my funds. 

Please treat this matter with the seriousness it requires and provide a solution that safeguards my account. I look forward to your prompt response and a swift resolution. 

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

I am reaching out to bring attention to the fact that incorrect information is still being reported on my credit file, despite prior disputes. This matter has not been resolved, and the errors continue to appear on my report. 

As this situation violates the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( b ), I expect that you take prompt corrective action to address the inaccuracies, which I have detailed in the attached letter. 

I trust that this issue will be handled urgently and that the necessary adjustments will be made to ensure accuracy in my credit report. 

Thank you for your immediate attention.
Product: Mortgage

On a few occasions, I have been late with a 2nd mortgage payment with Springleaf ( now One Main ). The online portal will represent that I owe for two months. When I pay for two months, they always credit the first month and then apply the rest to additional principal. This results in harassing phone calls about overdue account and a lengthy phone call with them where they have to go back and research payments for a year to finally agree that they misapplied the payment. Sometimes it takes several calls and several different people making several attempts to adjust this payment. Are n't these institutions held to some sort of standard to apply payments to outstanding balances before applying payments to additional principal?
Product: Checking or savings account

Im a victim of identity theft and Ive reported these claims its my bank and filed a police report. My account was compromised and my money was stolen. The bank has denied my claim and refused to give me my money back.
Product: Credit card

I called the phone payment system like I do every month to pay this was in XX/XX/XXXX. My husband and I decided to pay our Citi bank card off the phone payment system asks you if you want to pay the min payment or the balance. We opted for the balance it was over {$5000.00} dollars. We paid it off. Several months went by and just this week we started getting phone calls a out a past due balance? I was shocked. I told them we paid this off in XX/XX/XXXX there should not be any bal left they said the amount the phone system gave me was not the total due there was a {$36.00} dollar charge and interest and late fees now added for 3 months worth of non payment adding up to {$250.00}. I told them I have no problem at all paying a XXXX charge and interest if I owe it but the late charges are not my fault I had no idea. The customer service person said you need to log in and check your statement I told her I had no reason to we paid it off. I do n't think this is fair at least the automated system when it asks you if you want to pay the total balance due should be accurate. I closed the account and we will never do buisness with citi bank again!
Product: Credit reporting or other personal consumer reports

When I sent the 1st letter they replied and told me that all information is accurate totally disregarding the information I requested. I sent a second letter to the response and they again sent me the same letter back the 2nd time around. So now I am looking for help because I am getting no luck and this is affecting my credit worthiness.
Product: Credit card

Dear CFPB I am writing to file a formal complaint against CAPITALONE for repeatedly sharing inaccurate information with credit agencies, despite numerous attempts on my part to rectify this issue. Pursuant to 15 USC 6801-6805 and the Privacy Act of 1974, I have explicitly exercised my right to opt out of the sharing of my personal and confidential information with credit agencies. 

Despite my clear instructions, CAPTIALONE has continued to furnish incorrect information to credit agencies, resulting in significant inconvenience, financial losses, and wasted time on my part. As a consumer, I have the right to ensure the accuracy of information contained within my credit report, as outlined in 15 USC 1681. 

I have made multiple efforts to address this matter directly with CAPTIALONE, to no avail. Therefore, I am now seeking intervention from the Consumer Financial Protection Bureau to resolve this issue effectively. I request that CAPITAL ONE be prohibited from reporting any further information and to delete all currently furnished information to credit agencies without my explicit written consent. 

I have enclosed copies of all relevant correspondence and documentation supporting my complaint for your review and investigation. I appreciate your prompt attention to this matter and look forward to a resolution that upholds my rights as a federally protected consumer. 

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

I have disputed XXXX through multiple sources. After much work the XXXX account was removed from my XXXX credit file. The XXXX account also needs to be removed from equifax and XXXX credit files as well. The collections account for XXXX, XXXX XXXX, needs to be removed as well. If the XXXX account is not valid neither is the collections account.
Product: Student loan

I was told to get a forbearance, I dont want a Forbearance I work with the XXXX XXXX and can only afford a small monthly payment, they wouldnt let me get a payment that I can afford and forced me to stay in forbearance
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 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 in months that are reported late 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 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 XXXX 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