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

I have been disputing the validity of certain debts reported on my credit file since 2023. I submitted formal dispute letters to all three credit reporting bureaus ( Experian, XXXX, and XXXX ), as well as to the debt collectors ( XXXX XXXX, XXXX XXXX XXXX, etc. ), via certified mail. I paid for these mailings and have receipts to confirm delivery. 

Despite my disputes, the debts were " verified '' without any proof being provided to me as required under the Fair Credit Reporting Act ( FCRA ). I made numerous phone calls to the credit reporting bureaus requesting proper verification and documentation, but none was ever supplied. Instead, I was met with inadequate responses and no substantive resolution. 

As a result of these false and unverified debt reports : I was denied student loan funding. 
This denial forced me to take a semester off from school, delaying my graduation and disrupting my education and career timeline. 
I have attached evidence of my efforts, including : Certified mail receipts proving I sent dispute letters to the credit reporting bureaus and the debt collectors.

Copies of the dispute letters outlining my requests for validation and verification under FCRA.

Documentation showing no validation of the debts was ever provided.

The reporting bureaus have failed to fulfill their obligations under the FCRA by : Reporting inaccurate information without proper investigation. 
Failing to provide me with proof of the debts they claim to have verified. 
Continuing to allow inaccurate and unverified information to harm my credit report and financial stability. 
I request that the CFPB hold the credit reporting agencies accountable for their negligence, ensure the debts are removed from my credit report, and take action to prevent further harm to me and other consumers facing similar issues. 

The specific accounts I marked as inaccurate are the account with XXXX XXXX  ( Account Number : XXXX ) and the account with XXXX XXXX XXXX ( Account Number : XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having an ongoing issue with Transunion and not being able to access my credit report to complete Disputes online since XX/XX/2018. I have notified them of the issue via Telephone, customer service, and web support on multiple occasions. There has been no resolve. The advised that they created a ticket. The issue is not a login issue as I can login and I have a screenshot to prove it. I can login but I see system error and that they are experiencing technical difficulties after logging in. 

There is also an duplicate closed account that is reporting that needs to be deleted from The XXXX XXXX XXXX as I only have one current and open account. The closed account needs to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I had paid off my Nordstrom credit card. It was at a balance of {$360.00}. I'm trying to get my credit score up to get a car as soon as possible so I asked if they could update my information to " paid off '' I did that through XXXX  and they said my information is inaccurate and it stays the as it is. So I sent in documentation that showed that I did and they still refused to change and of course they sided with Nordstrom. Always quick to put negative things on your report but when it comes to positive things it's seems to be very difficult. So with that being said I didn't expect an update so quick but when I ask multiple times and they refused and said that what I'm saying is inaccurate is another thing. So Nordstrom is telling me I'm a liar and XXXX  doesn't even take the time to investigate just goes off by what they say. I don't think what I was asking for was out of line
Product: Debt collection

This company, Receivable Performance Management, keeps calling our company phone about a debt collection. They have no point of contact and keep asking for the owner of our company.

This company, Receivable Performance Management, will not provide any information about the debt or details from where there information came from. We have told them many times that we will not release any information from our company and this appears to be a fraudulent call. We have also informed them that the phone number they are calling is on the Federal Do Not Call list.

The person who made the most recent call was XXXX XXXX. We would request that someone follows up with Receivable Performance Management to stop harassing our firm.
Product: Credit card

I never opened these accts, I have tried disputing these for so long and has been no results from credit bureaus not taking it serious
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is trying to collect on an account which is paid with original or creditor XXXX I am in a open account with this is not closed which they are reporting
Product: Credit reporting or other personal consumer reports

XXXX and Experian credit Bureau both has been false reporting my credit for the last three -years in a row. They have been contact several times as the inaccuracy of the practice of reporting after my car accident they were paid and settled out and they continue to report well past the payoff and turning my account in to a charge-off creating a removal date of XX/XX/XXXX creating several denials for automotive applications as following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX, By turning account into a charge-off they are able to keep account on the credit report inaccurately I'm applauded after 3rd car accident in a roll of someone hitting me and founding these major errors, Finally, the default months are after settlement dates car accident on XX/XX/XXXX Pymt date of XXXX XXXX on XX/XX/XXXX Senior Rep at Chase name XXXX claims Payment came in sometime in XXXX XXXX. Hopefully someone there processed the payments ( investigate ) spoke w her on XX/XX/XXXX over a recorded line exactly at XXXX on Tuesday she stated that both payments are there but they continue to not report my credit properly causing me credit denials, higher interest rates, higher payments for cars and bad purchases for vehicles that breakdown quickly..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notify the credit breau experian regarding this information about fraud and nothing has been done
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched XXXX Report of XX/XX/XXXX ERRORS INVESTIGATED HAVE NOT BEEN FIXED. see attatched XXXX Letter of XX/XX/XXXX CONFIRMING XXXX mastercard credit card ending XXXX was settled XX/XX/XXXX AS DELIQUENT ACCOUNT. See attatched XXXX mastercard STATEMENT of XX/XX/XXXX ending XXXX OOOPPS HOW DID THIS POP OPEN AT THE SAME TIME XXXX SETTLED AND DELIQUENT ACCOUNT. XXXX WOULD NOT OPEN AN ACCOUNT WHEN DELIQUENT?? WOULD THEY?? I DID NOT OPEN THIS ACCOUNT. See attatched XXXX CREDIT CARD FRAUD CLAIM VISA card ending XXXX date XX/XX/XXXX UNAUTHORIZED TRANSACTIONS {$470.00}. I DID NOT OPEN THIS ACCOUNT EITHER. XXXX DID WHEN MCs became XXXX XXXX. I WAS UNAWARE UNTIL FRAUD NEVER RESOLVED ON ACCOUNTS I DID NOT OPEN BEGINNING XX/XX/XXXX. XXXX HAS NOT YET CREDITED THIS FRAUD OF TWO 1/2 YEARS. I DEMAND MY DRS LICENSE TO OPEN & ORIGINAL SIGNATURE OF WHO OPENED THE ACCOUNTS AFTER CARD XXXX Settled XX/XX/XXXX BE VERIFIED OR ACCOUNTS DELETED.
Product: Money transfer, virtual currency, or money service

I am XXXX ( XXXX XXXX  ) I have informed the bank manager of my disadvantages deposits at counter in person XXXX  deposit online ( upto 3 days delay ). I received my monthly XXXX payment, the bank controls posting it to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized PUBLIC FILINGS UI.S. BKPT CT XXXX not mine
Product: Debt collection

On the 3 CRA, Portfolio Recovery Associates is reporting incorrect information regarding a debt. According to their reporting, an account with. XXXX XXXX was opened XXXX. Considering I was experiencing homelessness without the ability to receive mail, it would be impossible for me to open a new credit card account. Also, they report that no payments have been made to this account yet under the recent payments tab it states {$54.00} was paid on the account. This incorrect information is negatively my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries on my credit report under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I have been a victim of a data breach and identity theft, which resulted in the unauthorized addition of the following accounts and inquiries to my credit file : Accounts to Be Blocked and Deleted : XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$32000.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1900.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$630.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$340.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$3700.00} Inquiries to Be Blocked and Deleted : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. XXXXXXXXL Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX
Product: Debt collection

Credence ( # XXXX ) is trying to collect payment on an ambulance service that allegedly occurred 7 YEARS and nearly 3 MONTHS ago. This issue was resolved 7 years ago when my insurance company, XXXX XXXX, paid the amount that I was legally responsible for and informed me and the vendor, XXXX XXXX XXXX, that no further payments were due. That was 7 YEARS ago. Now I receive a threatening letter and then tell me on the phone that if I pay a portion of the alleged debt that would resolve the claim.
Product: Debt collection

The underlying account, which is the subject of this dispute, was established pursuant to a Retail Installment Loan opened with Zebit, Inc on or around XX/XX/XXXX. 



For your records, please find the name and address of the original creditor below : Zebit, Inc XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX We have reviewed the records for your account and can confirm the following details : Obligor Social Security Number : XXXX Open date : XX/XX/XXXX Date of last payment : XX/XX/XXXX Amount of last payment : {$200.00} Charge off date : XX/XX/XXXX Charge off amount : {$610.00} Current balance : {$610.00}. 

I never received a 1099c since account has already received a tax credit and it reporting fraudulently on my credit bureaus. 
I responded to the credit bureaus and to also Zebit today via certified mail This isa follow-up to the letter I received about the charge off accounts number XXXX that I never received a 1099c 1. Account XXXX The account was settled and XXXX was written off. This account was changed from a receivable to a loss in Zebit, Inc accounting books. Zebit, Inc had to report this loss to the IRS to receive a tax credit.

The definition of a charge off is : The Creditor ( Zebit, Inc ) changes the account from a receivable account to a lost in capital one accounting books. This loss has to be reported to the IRS in Zebit, Inc Corporate Tax return to receive a tax credit for the lass. 
The IRS Definition of an 1099c is used to declare amounts of {$600.00} or more that is forgiven or canceled by a lender or creditor, including the abandonment of secured property or a foreclosure.

There is a reference guide used that describe the detail of the 1099c A. ( Bankruptcy ) B. Other Judicial Debt relief } C. ( Statute of limitation or expiration of deficiency ) D. ( Foreclosure Election ) E. ( Debt Relief from probate or similar Proceeding ) F. ( By Agreement ) G. ( Decision or policy to discontinue collection ) This triggered an issuing of a 1099c to the I RS and to the Debtor XXXX XXXX. I have not received a 1099c to apply to my income tax as income, as income as well should not be on a credit report and your organization is reporting that to the credit bureaus which is a violation of the FCRA. Furthermore. I also verified with the IRS if I have any 1099c that was issued to XXXX XXXX and the IRS said I have no 1099c that has been reported to the IRS. I have not received any 1099c from Zebit Inc. which brings into question why I have not received a 1099c on this charge-off account?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting credit act XXXX XXXX  account number 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 604 A - section 2 also states I consumer reported AC Can not report an account without my Written instruction or consent to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXXXXXX XXXX Balance : {$7.00} ; XXXX XXXX XXXX  XXXX Balance : {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/2022 Balance : {$320.00}
Product: Mortgage

I have tried to obtain the paper work needed for my mortgage and up to now SLS Mortgage services has not given all the paper work to XXXX. 
XXXX is telling me that page ( XXXX ) of the note is missing ( this is the page that shows the endorsement ) and they also need the updated assignment SLS sent the same papers previously and XXXX informed them then that there was paperwork missing. 
I really need help in this matter XXXX Loan # : XXXX XXXX Acct # : XXXX
Product: Debt collection

I was contacted by AFNI in early XXXX referencing a credit report entry from XX/XX/XXXX suggesting that I owed {$540.00}. I responded by sending a letter dated XX/XX/XXXX requesting to settle the debt. I requested that I received correspondence with 15 days of the offer to settle otherwise I would require a full verification of debt from the collection company. I did not receive a verification of debt at all. XX/XX/XXXX, I received a letter from AFNI stating that it was not handling the account and the entry on my credit report would be removed. I found that the collection was no longer on my credit report. A day or two later I received a letter from XXXX XXXX XXXX XXXX stating that the same account number was placed with them for collection and if I fail to pay the obligation a negative credit report may be submitted which feels very threatening. The letter also stated that I can dispute/ ask for verification but I could be sent a copy of a judgement or a verification. I will send the dispute regardless but the fact that I never received a verification from the first collection company doesn't give me evidence that I'll receive verification from the second one.
Product: Credit card or prepaid card

I have disputed a transaction on XX/XX/22 for {$32.00} from XXXX XXXX. I did not make this transaction with my capital one credit card. In fact, capital one admitted this was a fraudulent charge and sent an email alert. See attached for screenshot. However, after filing a dispute, Capital one refuses to reverse the charge and claims that the card was present. Yet, Capital One refused to provide any proof to me of the transaction. I am just suppose to take the " word '' of the representative from capital one as final. Also, there is no option from Capital One to appeal either. Well, that is NOT good enough according to federal laws regarding fair debt collection and fraud. I can tell you that I did not visit a grocery store of this name. My only suspicion is that while at the pool at XXXX resort, my card was in possession by the waitress. It is possible that someone went to a store, swiped a transaction under an fictious or alias store name, which then triggered the Capital One to identify the fraudulent transaction and alert me via email. It is possible since that is a large resort with many stands. Regardless, it is NOT possible that I made this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX 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.
Product: Credit reporting or other personal consumer reports

I am bewildered by the sluggish pace of your investigation, particularly when other credit bureaus have promptly resolved similar disputes. As a victim of inaccurate reporting, I have diligently followed the appropriate channels to rectify the situation. However, despite my persistent efforts, the inaccurate information persists on my credit report. I am entitled to have accurate and current information on my credit report. The delays in the investigation process are exacerbating the harm to my financial well-being and mental health. 

Regarding the accounts with identifiers are the following : XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX, Chase Bank unexpectedly closed my account without providing any reasons. As an XXXX XXXX I have relied on Chase for over eight years for routine banking needs, including XXXX XXXX XXXX XXXX XXXX XXXX. The account closure occurred following a standard transaction for my XXXX XXXX, a typical and recurring payment in my banking history. 

This unexplained action has caused significant inconvenience and concern. I have always adhered to the banking norms and am unaware of any actions from my end that might have led to this closure. Therefore, I request a detailed explanation from Chase regarding the specific reasons and circumstances that prompted this decision. 

I am prepared to cooperate fully and provide any necessary information to clarify this matter. However, I wish to ensure that my personal details, such as my name, account number, address, and Social Security number, remain confidential at this stage of the complaint. I am seeking the CFPBs assistance in resolving this issue promptly and transparently to understand and address any misunderstandings or errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXXL XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$610.00} MID FL XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Owed : {$2900.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Owed : {$720.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}