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

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Address : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request verifiable physical evidence to substantiate the account 's existence and permissible usage. Should this evidence be lacking, I expect the removal of said account from the report. I authorize you to send me physical documentation of your actions and an updated credit report.
Product: Debt collection

I am writing to formally file a complaint against XXXX XXXX XXXX XXXX. This company is trying to collect a debt on an old credit card for {$1700.00} the original creditor is Comenity Capital Bank. Comenity Capital Bank charged off the account. 

Background The account in question was charged off by the creditor, which legally classifies the balance as canceled debt and, therefore, taxable income under the Internal Revenue Code ( IRC ) 6050P. According to this provision, creditors must issue a 1099-C form for canceled debts exceeding {$600.00}, allowing the debtor to report it as income to the IRS. However, I have not received a 1099-C for this account, which I have requested and still am waiting to receive a 1099-C from the original creditor. 

I have verbally and written the consumer XXXX XXXX XXXX XXXX that I refuse to pay the debt as well as to stop all communication through phone, mail, text, and email. The reporting of this account without the issuance of a 1099-C form is both misleading and a violation of my rights under federal law. XXXX XXXX XXXX XXXX inquired this debt and is now reporting it on my credit report, which is causing a negative impact.

Ceasing communication Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1692c ( c ).

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except.to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account listed on my Experian credit report is not mine. I have tried using Experian 's online dispute process, but an error message appears. Furthermore, the toll-free number provided does not allow me to speak with an individual to explain the error. I would like the fraudulent account removed from my credit report immediately. I would also like to see Experian fix their online dispute process so that it is possible to submit a dispute online. Furthermore, it would be great if Experian did not so aggressively try to upsell to paid products. Right now it is difficult to find information about submitting a dispute because it is buried within their website and overshadowed by appeals to pay Experian for extra services. Experian should honor their obligation to the public to regulators by making it easy and free to correct inaccurate information.
Product: Debt collection

I received notice in the mail to my new address from a company named RBC on XXXX XXXX, XXXX saying my husband and I owed our previous landlord {$4500.00}. We sent a letter by mail on XXXX XXXX, XXXX by certified mail requesting they needed to verify this debt. They sent a letter back with copies of our old lease dated from XXXX to XXXX. and an itemized list of what the money was supposedly spent towards with old landlord 's information on the bottom, no other information. We just received another letter stated we needed to start monthly payments for this debt but we have not lived there in over a year. We didn't owe anything and he took our last month 's rent to the eviction court. We didn't even know we were evicted. We just saw the eviction on our record after receiving this letter. We are unsure what is going on or how to fix this man from trying to tarnish our credit and records with false information. We left because he told us he didn't want our rent anymore we received a three-day notice and moved.
Product: Bank account or service

I had a personal and business checking account with US Bank back in 2013. I switched to a credit union and thought I had closed all my US Bank accounts. I had transferred last {$30.00} out of the business and put in personal since I rarely used the business. Unbeknownst to me, an automatic debit came out of the business account for {$21.00} from XXXX a month or so after I thought I closed it. I was never notified by USBank of overdraft. They proceeded to charge initial {$36.00} overdraft fee and {$25.00} overdraft on a weekly basis for 6 more weeks and then closed the account with another {$30.00} charge. This {$21.00} overdraft then turned into {$230.00}. I had not moved or changed address, phone or email, but never received notice of this overdraft and fees. Given it was closed quickly after it occurred and they wrote it off, it just sat on my record until I finally went to open a new checking account when I recently moved. I worked and banked XXXX since that overdraft occurred. I attempted to resolve with US Bank, but was advised to go to XXXX which sent me a report but now referred me here. I am not disputing the initial overdraft and perhaps the initial fee, but a few hundred dollars of fees piled on in six weeks without attempts to reach me are bit rediculous. I am not sure how to proceed at this point. I am not stuck with getting a special restricted bank account because of this item on my XXXX report which does not tell the whole story. I can not seem to get any help with US Bank to resolve since it is now written off. I would like to negotiate a lower amount to resolve it, but can not seem to get anyone to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX.Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Amount owed : XXXX Date : XX/XX/2022 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

Equifax did not fix the problem and Equifax is reporting inaccurate information on my credit report. This XXXX XXXX  XXXX account is not mines and needs to be deleted of my credit report.
Product: Debt collection

The XXXX reporting agencies have stated that you never submitted the request to remove your account as you stated it was done ( i have proof ). I dont apprecite being lied too. please send the request and attached the proof. You have XXXX days.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and my email is XXXX. I didnt create a discover credit card that was fraud
Product: Debt collection

CREDIT COLL ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$220.00} which appears on my credit report. I believe this information to be inaccurate and potentially fraudulent, as I do not have any contractual relationship with CREDIT COLLECTION SERVICES. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that is incomplete or inaccurate on my credit report. 

To date, CREDIT COLLECTION SERVICES has failed to provide me with the original contract bearing my wet signature or proof of identity verification. Without these documents, they have not substantiated their claim that this debt belongs to me.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$9400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$800.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance XXXX XXXX {$2300.00}. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/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

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. (copied from the affidavit attached)******
Product: Debt collection

Around XX/XX/2017 I had a medical debt removed from my report by XXXX XXXX that did not belong to me. The debt was in the amount of XXXX. I have a credit monitoring service and the same collection has been placed back on my report by a different company called XXXX XXXX XXXX. 

I have no idea who this company is nor have they ever contacted me before placing this bogus unverified debt on my credit report, causing damage to my score.
Product: Vehicle loan or lease

well i had purchase a car from XXXX in XXXX it was XXXX ; XXXX dollars on the windshield of the car when i look at at and decide to purchase the car which the open date was XX/XX/XXXX and the last update XX/XX/XXXX which terms of this loans 64 months at payment i am paying XXXX which the car is not worth XXXX dollars by the terms of 64 months to pay off they told me my interest was 12 percent now i find out it 18 percent which they are a rip off company my balance today on my credit report state that XXXX which i have been pay this car off that are company over charging customers on a car loan need to be report which i have done threw my credit beareu company XXXX i am not happy at all with is because i know they are rip me off in a high interest charge my amount of payoff is not right everytime i call them they aint trying to explain or solve the issue on this problem they don't have no answer to what i be asking about the situation i have been dealing with them ever since i had this high rip interest with them the company name is XXXX there address XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Checking or savings account

On XX/XX/XXXX I tried to use my debit card in a store my card was declined and I received a email stating. 
this. 

Dear XXXX, We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. 

We may contact you to confirm this activity. Based on the results of our review, your account ( s ) may be closed and your balance - plus all interest earned - will be transferred to your linked external checking account. 

Questions? Give us a call at XXXX. We're available XXXX XXXX XXXX XX/XX/XXXX. ET. 

Thanks, Capital One XXXX XXXX XXXX XXXX.XX/XX/XXXX MN XXXX Products and services are offered by Capital One, N.A., Member FDIC. XXXX Capital One. All Rights Reserved. 



I contacted them right away to confirm my account activity and I was told someone would reach out to me and if I have any questions to email them at XXXX XXXX # XXXX I have been emailing them since then no one has made and y attempts to contact me either by phone or email. 

I called back a couple days later they said the correct email is XXXX Ever since then I dont know which one is the correct email abs which one is not the correct email as no one in there office gives the correct information when you call. I get the run around with every representative that answers the phone. One hand doesn't know what the other hand is doing.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a call from Nordstrom Card Services from a lady by the name of XXXX. I had reported several charges amounting to over {$27000.00} to them that I found on my statements from the same merchant over and over. I made it clear to them this is not a dispute for a charge I made but rather a completely fraudulent charge, she proceeded to tell me due to the time limit she could not find enough evidence that these were fraudulent. I asked why cant she directly call the company that made these charges to see why I was charged and find out who charged my card. She said she wasnt going to do that. She repeatedly told me untrue facts regarding the guidelines for fraudulent charges and then when I made her aware I knew what the guidelines were she changed her story, i did not make these charges they are 100 % Fraudulent and Im asking them to prove they are not fraudulent but instead shes wants to just say she cant label them fraudulent or credit my account. Every company has a way of going to the merchant to prove why these Charges were made Nordstrom has not even done that. Their policy is 0 % liability for fraudulent charges and that is false advertising. I demand a full investigation into these charges and want to be credited back my money I paid them. The same merchants have charges 6 other credit cards of mine and I have filed those as well, I offered to send her proof of that she said that wasnt good enough.
Product: Debt collection

i have contacted this company once i notice a negative remark on CR company has took no furhter actions on trying to assist me with this matter i have dipusted it company continues to call everyday and send invoices to family address i tired 1 last time reaching out to have them stop contacting me on XX/XX/21 @ XXXX i was adviced that calls will continue so basically i will continue to be harrassed regarding a debt that is not mine
Product: Credit reporting or other personal consumer reports

Agreed to cosign on a car loan for my sister through XXXX XXXX XXXX We made a payment on XX/XX/XXXX XXXX  and another payment on XX/XX/, which is a 14 day difference, however, XXXX is reporting that XXXX payment was more than 30 days late. 

XXXX is reporting that from XX/XX/ to XX/XX/ is a 39 day difference. My issue is that I have disputed this with all three credit bureaus, Equifax, XXXX, and XXXX XXXX, but because XXXX is verifying that the payment is more than 30 days late, the credit bureaus will not remove the derogatory remark. I have provided Equifax, XXXX and XXXX proof that the payment was not more than 30 days late by providing bank statements and screenshots of payment history from XXXX. 

I have provided clear evidence that XXXX is not providing or verifying accurate information yet XXXX, Equifax and XXXX are still honoring the inaccuracy as I have disputed the derogatory remarks multiple times and provided proof. 

The proof that I have provided should XXXX whatever XXXX is verifying via word of mouth. If I have the evidence and I can prove that there is a discrepancy, that should be enough for XXXX, Equifax and XXXX XXXX to remove the derogatory remark for my credit report but because XXXX, Equifax and XXXX will not remove the inaccuracy even after I have disputed the inaccuracy and provided proof, I have decided to file this complaint with the consumer, financial protection agency.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX A Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$100.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$960.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$960.00} Account Name : XXXX XXXX XXXX XXXX XXXXccount Number XXXX XXXX Open Date : XX/XX/XXXX Balance : {$2100.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$100.00} Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2100.00} Account Name : DIS XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1900.00} Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$830.00} These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Credit card or prepaid card

Purchased online and item from JCPenney 's and there was a promotional XXXX discount of 20 %. When I put the item in my cart at {$39.00} the {$6.00} was taken off at that time leaving a balance of {$33.00}. However when I chose to use my rewards is my payment method it took my discount from me. I used those rewards to pay for the item. via credit card or My Rewards it shouldn't have taken my {$6.00} discount. There is no mention in there that if you pay with rewards that the discount is not valid. Order number XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The creditor can longer treat this debt as a charge-off, Per the IRS reporting Rule Section 605A1.

The amount of the charge-off is also different from the verified amount of the debt per 1099c Copy B that was received.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer report. Yet XXXX is reporting information of transactions between the consumer. The reporting of excluded information pursuant to 15 USC 168a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before replying that this account has been validated, lets be very clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/charge-offs, late payments/other derogatory information on my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtness by the Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Payday loan, title loan, personal loan, or advance loan

I became unemployed and I had all the add-on 's added to my loan when taken out as I thought it was the only way to get approved. I was paying my loan installments and I ended up getting into a car accident. The Branch Manager ( XXXX at the XXXX XXXX ) did not inform me that I to file a claim for the deductible and when I went to pick up vehicle, I ended up paying additional monies to keep the rental for another week to allow me time to come up with the monies for the deductible. The manager was very nasty and unprofessional when I contacted him to inquire why he failed to provide me with information that instrumental. My loan was then transferred to another branch without being notified. The second branch has been even worse threatening me with repossession on 2 different occasions. They have charged fees even after I asked that the payment not be processed. The manager stated that I would not have to pay a stop payment fee but as you see, I did in fact have to pay a fee. I have asked that my loan be transferred to customer service, but the Branch manager has refused to transfer the loan. Customer service is now telling me they can not help me either. After XXXX weeks, Corporate sent an email that I have attached and after reaching out on 2 different occasions, I refuse to waste time trying to reach a live person as it has been impossible.