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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Inaccurate Information in Credit Report Account Number : XXXX Dear XXXX XXXX XXXX I am writing to formally dispute the accuracy of certain information in my credit report, which I believe constitutes a violation of 15 U.S.C. 1681e ( b ). This provision requires credit reporting agencies to maintain reasonable procedures to ensure maximum accuracy of the information they report.

I noticed that the above account has been reported as a charge-off multiple times by the original creditor. A charge-off is a one-time event, and reporting it more than once is inaccurate and may violate the Fair Credit Reporting Act ( FCRA ), which requires information on credit reports to be accurate and not misleading. In addition to multiple charge-offs being reported, I also believe there may be other inaccuracies related to this account. 

The inaccuracies include reporting only 1 charge off on my XXXX in XX/XX/XXXX. You have reported over 10 charge offs on my XXXX since XX/XX/XXXX up until XX/XX/XXXX. And recently when I filed a report through the CFPB about the 1099C you refused to send me, you decided to report a charge off for the month of XX/XX/XXXX on my experian. My experian has a total of 17 charge offs from XXXX XXXX XXXX. This account has been charged off and closed since XX/XX/XXXX. 

XXXX Credit Reporting Standards : According to the Fair Credit Reporting Act ( FCRA ) and credit reporting guidelines, a creditor can report an account as charged off only once. After that, the account remains in charge-off status until it is resolved ( e.g., paid, settled, or transferred/sold to a collection agency ).

2. Impact on Credit Reporting : If the original creditor reports multiple charge-offs on the same account, it could unfairly damage your credit score by making it appear as if multiple charge-offs occurred. This would be considered inaccurate reporting under the FCRA. 

3. Possible Errors or Misinterpretations : Sometimes, creditors may update the charge-off status monthly ( e.g., Charge-Off - $ XXXX Past Due ) until the account is resolved. While this can be legal, it is not the same as reporting new charge-offs each time. If it appears as multiple charge-offs on your credit report, it may be a reporting error.

I am requesting that you investigate this matter and correct the inaccuracies on my credit report immediately. Please provide me with the following : 1. A detailed explanation of how the account is being reported, including the dates and statuses of each charge-off.

2. Verification of the accuracy of this account as it appears on my credit report.

3.Removal of any inaccuracies found during your investigation, including the removal of duplicate charge-offs or misleading information because this is illegal.

Please conduct your investigation within the 15-day timeframe required by the FCRA and provide me with a written response detailing your findings. If you find that the information is inaccurate or unverifiable, I request that it be removed accordingly. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I called XXXX  and equifax to verify who is reporting as Dept of the Treasury on my consumer reports. I have no knowledges of these creditors and furthermore they are reporting balances I have no knowledge of. The phone number attached to Dept of the Treasury is not a valid phone number so I cant verify who this creditor is and Im wondering how did they furnish such inaccurate information. Also these accounts are open but reporting as collections and its displaying I made payments to a creditor that I have no knowledge off. This information is in fact inaccurate which is violation of my FCRA rights. Furnishers of information have a DUTY to report information with maximum accuracy and these consumer agencies have failed which is a violation of a XXXX dollars each. 15 usc 1681q states Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies States that A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I sent a certified letter to transunion disputing inaccurate information in regards to a public record. I have filed chapter XXXX and it has been discharged. I sent copies of the court information proving that the public record item for XXXX XXXX was included in the discharged bankruptcy. I get back a credit report showing the amount owed of XXXX. It is to my understanding under the FCRA rule no amount should be showing. I also disputed this online. I am filing a complaint for them refusing to fix this error.
Product: Debt collection

Rushmore Services persistently contacted my employer 's office after I asked them repeatedly not too. I asked to be contacted by mail if they wish to discuss a matter with me. After some research on my own they were attempting to collect a debt that was paid off. Not only have they harassed me at my place of employment, but they have a debt that has been paid.
Product: Credit reporting or other personal consumer reports

Subject : Request for Address Update, Reissuance of Payment, and Damages for Equifax Settlement Dear Settlement Administrator, I am reaching out regarding my Equifax settlement payment, which I have not received due to a change in my address. I sold my previous home at XXXX XXXX XXXX, XXXX, GA XXXX, and no longer have access to the mail. I have been in contact with a representative named XXXX, who instructed me to send this email with the necessary information to update my address and request a reissuance of my settlement payment. 

Below is the updated information for my address : Full Name : XXXX XXXX Claim Number : XXXX Previous Address : XXXX XXXX XXXX, XXXX, GA XXXX Current Address : XXXX XXXX XXXX, XXXX, GA XXXX Additionally, I spoke with a representative named XXXX on XX/XX/XXXX, who confirmed my address had not yet been updated. Unfortunately, XXXX informed me that no supervisors were available to assist, and several questions I asked were not answered. She also confirmed that the settlement check was mailed to my old address on [ XX/XX/year> ], which I no longer have access to, as the property was foreclosed upon by the bank. 

I have received confirmation from the bank and the settlement administrator that the check was never cashed, which further supports my claim. 

I have been trying to update my address for over 60 days, and all my calls have been recorded. I have four calls where I confirmed the necessary steps to change my address. Despite this, I have received conflicting information from each representative. The most recent representative I spoke to today stated there is no set time frame for updating an address in your system.

This ongoing issue has caused significant stress and financial hardship. Due to the delays and mishandling, I am seeking {$58000.00} in damages for emotional distress and financial inconvenience. Additionally, if a resolution is not reached promptly, I am considering retaining XXXX XXXX XXXX out of XXXX, to pursue further legal action. 

I kindly request the reissuance of my payment and a resolution to the address update issue as soon as possible. Please advise on the next steps and let me know how we can move forward to settle this matter. 

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

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

XXXXXXXX XXXX is a third party that was never given written consent from me the consumer to have access to my reports or even report information. Further there is no written consent from me the consumer for them to have had communication with XXXX XXXX XXXX  This is a violation of 15 USC 1692c ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

XXXX XXXX  has committed identity theft and continues to do so as recent as XX/XX/2022. 
15 USC 1681c-2 ( a ) a consumer reporting agency must remove/block information alleging to be a result of id theft shall be removed no later than 4 business days
Product: Credit card

I purchased vacation package through XXXX XXXX both flight and hotel, flight cancelled do to incident happen with XXXX XXXX  on XX/XX/2024, all flight grounded do to FAA regulations, result NOT able to make it to hotel reservation, XXXX trip number # XXXX for XXXX adult traveling from XXXX and hotel reservation on XXXX with XXXX XXXX XXXX XXXX. Which I never received any service from, try to dispute this charge with my Bank ( Bank of America ) and was denied by the bank reason for used service. 
Please refund me the amount charged under XXXX XXXX {$870.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Portfolio Recovery added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA Portfolio Recovery has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Debt collection

I don't recall having a contractual relationship with this collection company JANA FERRELL AND ASSOC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit card or prepaid card

No I am not requesting a balance letter, I have clearly stated Pursuant to 12 USC 1431 banks are not allowed to lend money Per the law I am requesting 15 U.S. Code 1692g - Validation of debts ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

If these are credits from my credit card why do you keep attempting to collect a payment? When I ask these questions directly to go with me to Goldman Sachs they were unable to give me an answer. 

The representative XXXX supervisor at Goldman Sachs even Reminded at the end of the conversation to make sure I made payments to avoid interest charges and late fees All evidence is attached via photos to this case Along with my CFC complaint Along with the attorney general of New York and California
Product: Credit reporting or other personal consumer reports

I filed bankruptcy in XXXX, but it is still showing up XXXX years later as an account that should no longer affect me. I was also part of the XXXX data breach. This is affecting my chances of buying another mortgage or getting a future car loan. This has already been deleted from my XXXX and XXXX reports. Please remove this immediately!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law.

The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

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

I have no connection with the creditors mentioned, and these inquiries were not made by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion should not be reporting me as authorized user on the XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXTransunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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

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

I demand the late payment reported in XX/XX/year> 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 XXXX 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 XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX and XXXX Transunion Credit Report there is a derogatory mark on my account with reference to XXXX XXXX XXXX XXXX. I have explained that I closed my account with this organization in XX/XX/XXXX. My account was in good standing at that time. I believe that they are reporting on my mother 's account, XXXX XXXX. XXXX XXXX died XX/XX/XXXX. I have contacted XXXX XXXX XXXX and they are telling me to dispute the report which I have unsuccessfully. 

I am not personally responsible for the payments on this account and therefore, this should not be reporting on my credit account with Transunion. Any assistance in this matter would be appreciated.
Product: Debt collection

The company is indicating that interest is owed on the amount but no interest was mentioned in the original contract or copy of the contract the company sent.
Product: Credit reporting or other personal consumer reports

I received a letter in the mail from change healthcare stating my information was in a data breach. I then pulled my credit report and found an account and inquiries that I did not do or authorize and would like these things erased off my report and account closed due to being fraudulent the account is from XXXX XXXX with an amount of XXXX that was opened XX/XX/year> I never ordered this card I am only XXXX and only been on my parents credit cards I never had my own card
Product: Credit card or prepaid card

NetSpend has been getting my government XXXX check for years they've been very rude charging fees that was not discussed in their fine writing in terms and now they've kept {$5000.00} of my money. And now it's cold out and I'm homeless because of them I don't have friends or family they're all passed away and that's my XXXX check and they think it's funny they said that they close my account and I no longer qualified for it
Product: Checking or savings account

The bank reorders transactions in order to increase overdraft fees. High charges on account were not shown to be pending, and later these charges were suddenly posted when the account 's fund was at its lowest, triggering back to back {$35.00} overdraft fees on charges as low as 4 dollars.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX - Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is inaccurately reporting an alledged debt in the amount of XXXX on my credit report ( s ) which is false. 
The alledged creditor under the name ( XXXX ) is also false. XXXX XXXX continues to report this inaccurate, injurious information on my credit report ( s ) and are jeopardizing my credit rating and overall financial status. I sent this company a validation notice in accord with the Fair Debt Collection Practices Act ( FDCPA ) section 809.

This company has failed to provide proper validation which is a serious violation under FDCPA Section 809 in response to my validation request.

I disputed this information with the credit bureau and CCS verified in response to the disputes I submitted. This is a continued collection activity violation and a violation under both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act ( FCRA ) as well. 


I would like to take the opportunity to submit another validation request in the body of this very complaint shown below : " I DISPUTE YOUR CLAIMS IN THEIR ENTIRETY REGARDING THE ALLEDGED ACCOUNT # XXXX ''. 

I want full proper validation or this erroneous account or remove it immediately from my credit report ( s ).
Product: Mortgage

This is the third time I've had problems with this servicer I had nothing but problems when this was taken over by First Horizon They are the worse Now they'd trashing my credit again and sending me default notices They also still showing a balance of over {$10000.00} in deferment for some reason I owe these people nothing! 
This is exhausting I do not know why there is a deferment balance I do not know why they lose or misplace my payments I do know they owe me thousands of dollars because of them not applying my payments correctly
Product: Money transfer, virtual currency, or money service

I sent XXXX in XXXX  ( XXXX BTC ) to my Cashapp wallet ( $ XXXX / XXXX ) and the transaction was above XXXX by the time it got to my cashapp due to XXXX  fluctuation of price and cashapp limits XXXX  transactions at XXXX so it said deposit over limit and to reverse my deposit. Its been way longer than a XXXX transaction takes and I still havent received any word back from cashapp and am missing XXXX USD