23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There are alleged accounts being reported on my consumer report. I have not authorized and I do not consent or validate these accounts as mines. I do request that they be removed. My rights and the consumer law has been violated. I am a federally protected consumer and know that and this issue has caused extreme stress on me.
Product: Vehicle loan or lease

Cig financial is still reporting a vehicle that was a total loss on my report. They picked the vehicle up back XX/XX/2022 and sold the vehicle to another person.
Product: Credit reporting

Had car loan with XXXX XXXX XXXX, surrendered car voluntarily in XX/XX/XXXX, item was to have been removed from my credit file from XXXX XXXXand it is now XXXX and it is not removed.
Product: Credit reporting or other personal consumer reports

I recently reviewed my XXXX XXXX and noticed several late payments still appearing on an account for which I was never late. 

The account is for XXXX  XXXX XXXX and the account number is XXXX. 

Consumer reporting agencies have assumed a vital role in our financial system and are responsible for reporting consumer information to the best of their ability with maximum accuracy. 

Again, I have never been late on payments for this account. 

Please investigate this matter immediately and provide proof with statements showing that these payments were late. If evidence can't be provided, I demand that these payments be updated to " On Time '' as they should be. 

Thank you for your time and attention to this matter.
Product: Student loan

Navient reported my accounts as late and no payment received on my credit report for years while I was in school or supposedly had my loans in forbearance. I have been trying to get my report corrected for years including personal phone calls to Navient and letters sent by two separate credit repair services ( XXXX XXXX XXXX and XXXX XXXX ). These inaccuracies have kept my scores lower than they should be. This has caused significantly higher rates when purchasing cars and renting my homes. It has prevented me from getting mortgage loans to buy a house. I have continued to have to pay higher housing costs because renting is so much more expensive than owning. I have also had to deal with getting rejected for credit cards and having way higher APR for the couple I have managed to get.
Product: Credit reporting or other personal consumer reports

The late payment remark on my credit report is negatively impacting my XXXX score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately XXXX  % of my XXXX score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record. 

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on XXXX  scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications. 

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite two written requests, I still have unverified items listed on my credit report in violation of Federal Law. CRAs are required under the FCRA to have properly verified that an account listed on my credit file is mine by having a copy of the original credit application on file. In the results of the first investigation and subsequent reinvestigation, CRAs stated in writing that they verified that these items are being reported correctly. 

I have NOT been provided : * The name of the person who verified these accounts are mine? 
* How did they verify them? 
* The name of the individual, business address, and telephone number of the person or *business contacted during the re-investigation. 
* Copy of ANY original documentation ( credit application with my signature on it ) as required under Section 609 & Section 611 ( a ) ( 1 ) ( A ).

* Method of verification as required under Section 611 ( a ) ( 7 ).

Under Section 611 ( 5 ) ( A ) of the FCRA-CRAs are required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6000.00}, {$1100.00}, {$1200.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616,  and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- CLOSED ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 


-- AUTO ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, SC XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/2022.
Product: Credit card or prepaid card

UMB Bank approved me for a credit card last a month ago and 1 month later they had hard pulled my credit with out Permission a second time 1 month later with out permission out of nowhere and I spoke with them on the phone and they told me they had also checked something called Visa clearing house on my XXXX  which I also Never gave them Permission to do. ( they checked that to see any other recent credit applications that i had ) I have made my Payment on time and I have a perfect Payment History so they had no right to do this. They had also over verified me when i first got the card they wanted all kinds of additional information. They lowered my credit limit for no reason which is going to hurt my credit score, I am having adverse action taken for something i did not even do anything wrong. The woman openly admited on the phone that they had hard pulled my credit and that they lowered because my score had dropped. My score dropped because their credit card was reporting as a New account and because of their hard inquires so Yes because they reported a new card it's going to temporarily drop my score so and then they lower my credit limit for having their New credit card as Being reported as a New account which doesnt seem FAIR TO ME. I dont want a XXXX credit card because I make XXXX in one paycheck from my job and I have a Business. I am no longer interested in having the card anymore. MY CREDIT score is going to hurt because they lowered my credit limit and hard pulled me a second time with out permission. DAMAGE has been done to my credit report and score because of them. This does not help me at all because I have credit cards with XXXX on them, so I don't truly care to keep an account open with a XXXX limit anyways. It is useless to me. I want them to fix this issue of the damage of my credit limit being lowered which will lower my score. They can not just hard pull my credit once a month or just look at my information anytime they want to.
Product: Debt collection

When I checked my credit with XXXX I noticed a fraudulent collection charge. From this, I disputed the collection through XXXX   Seeing as I submitted it incorrectly XXXX  told me to contact the collection agency directly to retrieve accurate information. Once I contacted the collection agency a woman by the name of XXXX XXXX, phone number XXXX XXXX XXXX XXXX ext. XXXX, was kind to be of assistance. She informed me that the debt stemmed from an apartment complex in XXXX. Furthermore, she noticed several red flags in the file, the biggest being the initial lease application only had my name and no evidence of Identification ; copy of drivers license or social security card missing. This lease and debt are both fraudulent activities. Her advice was to submit a complaint via the Consumer Financial Protection Bureau. XXXX insisted I do this in order to have this removed from all credit bureau reporting agencies. To this day, I have never signed a lease in XXXX and aside from a signature on this so called lease, there is no direct evidence that this debt belongs to me. Please advise at your earliest convenience on solutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I talked to a realtor about the process of buying a house so the man ran my credit, and told me that my child support payment is taking a dip on my credit really bad. I was very confused because i have been paying child support since they started it and the realtor said nothing has been reported in and apparently i havent paid child support since XXXX of 2021. I have pay stubs from my work of them taking {$150.00} a week out of my checks since 2021. The realtor said it was very odd because its only on my transunion account and im behind {$6000.00} when just this past year i paid $ XXXX in child support and i have the docs to prove it.
Product: Payday loan, title loan, or personal loan

I never applied or received a loan from them, someone else did. I don't know anything about it. When they sent me the information it was not me everything was wrong on the copy of the check. It didn't have my correct driving license number, it doesn't have my signature on it, it has my old child hood phone number that has been disconnected over 20 years. I don't know why the place would cash a check with none of the right information. I did not do this and I want it off my credit report.
Product: Debt collection

I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Account Number : XXXX Account XXXX Account XXXX I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly.

Please send the 1099-C form to the address listed below or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know.Thank you for your attention to this matter. 

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

I am writing to demand the immediate deletion of inaccuracies listed on my credit report, as the data persistently fails to meet the accuracy requirements set forth by the Fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681i ( a ) ( 5 ) ,15 USC 1681 ( n ) 15 USC 1692 ( c ) and 15 USC 1681s-2. This demand for deletion stems from your failure to accurately report my consumer credit information following a previous notice of these discrepancies. Given the clear and repeated violations of the FCRA, I am not requesting a reinvestigation but rather the immediate deletion of this account from my credit file. I expect you to comply with this request swiftly and to confirm in writing the deletion of these entries. 
Enclosed are copies of documents supporting my assertions. Failure to delete these inaccuracies will lead me to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal actions. 
I appreciate your immediate attention to this urgent matter and expect a response within the statutory 30-day period as prescribed by the FCRA. Please note that failure to satisfactorily resolve this matter within 30 days of receiving this certified letter may prompt me to initiate a small claims action against your company, seeking {$1000.00} per violation for : Defamation Negligent Enablement of Identity Fraud Violations of the Fair Credit Renorting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy chapter XXXX was filed on XX/XX/2020 and discharged on XX/XX/2020. Equifax is showing account status as Derogatory and payment status of Collection/ Chargeoff and Derogatory for all accounts. Accounts are being reaged to a current date which is against Fair Credit Reporting Act.I have tried multiple times to dispute all Derogatory accounts.
Product: Mortgage

Specialized Loan Servicing is taking my home unfairly and collecting proceeds while suing me to collect more. I am a victim of dual tracking since the pandemic, qualified for loss mitigation assistance and then had a major property loss due to hurricane Ian. Lender placed insurance through XXXX has fraudulently undervalued my claim and while fighting for a fair amount Sls has continued the foreclosure process. The insurance has paid out a lesser amount that what I owe and even though the policy was prchased through my escrow account they claim they purchased the policy on my behalf while also entitling them selfs as the insured beneficiaries, my self as the claimant. They want me to deposit the insurance checks even though they have forclosed and I also have a separate as is cash sales contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Has made to derogatory reporting on my report. I called to try and resolve the issue when I was told this I from accounts in XXXX. The account was recently purchased by XXXX XXXX and was reported on XX/XX/XXXX and XX/XX/XXXX as derogatory. I was told the original account was with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act Convergent Accounts DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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: Debt collection

My complaint is with XXXX XXXX service. I was under contract with them to pay {$120.00} per month for bundled service ( TV, internet, phone ) through XXXX/XXXX/15. This past XXXX, XXXX changed their billing system and, because of a " glitch '' in the new system, I began to be charged {$210.00} per month. I have made repeated attempts to resolve this issue by phone ( over XXXX hours on the phone ) and in person but have not been able to get it resolved. I grew so frustrated that I cancelled the service and tried to calculate what I thought I should pay. I forgot that the monthly bill is paid in advance so I actually have overpaid XXXX by more than {$100.00}. However, because of the billing system problem, XXXX continues to send me a bill for {$25.00} and just sent this amount to a collection agency. I have continued to call XXXX to resolve this issue ( ticket # is XXXX ) and been told several times that a supervisor will fix the issue and/or call me but none of their promises have been kept. Meanwhile, my credit will be affected by this since the bill is now in collection.
Product: Credit reporting or other personal consumer reports

Dear Sir/Maam I am writing to formally request the deletion of my credit account information from your records, in accordance with permissible purposes as outlined in relevant privacy regulations. 

XXXXXXXX XXXX XXXX Permissible Purpose Justification : I am invoking my right to request the removal of my credit account information based on permissible purposes, as provided for in [ relevant privacy regulation or law, e.g., Fair Credit Reporting Act ( FCRA ) ]. The grounds for this request are [ briefly describe the specific permissible purpose, such as the closure of the account, completion of the credit reporting purpose, or other relevant justification ]. 

Please find attached any necessary identification or documentation to facilitate the efficient processing of this request. I anticipate that the removal of my credit account information will be completed within the timeframe specified by the applicable regulations. 

I appreciate your prompt attention to this matter and trust that the removal of my credit account information will be conducted in accordance with the relevant privacy laws. 

Thank you, so much for your time.
Product: Debt collection

This letter is to formally demand that you immediately cease and desist all further communication with me regarding the alleged debt identified as account number XXXX. 
I am writing to you under my rights protected by the Fair Debt Collection Practices Act ( FDCPA ). 

I do not owe the debt to this company. I do not know this debt and believe it is not mine. I have never had an account with this company or related to this account number. Please provide me with verification of the alleged debt, the date of the account, and the amount owed. 

Furthermore, if this account is alleged to be related to the account that has BEEN SOLD, then you are admitting to a pooling and servicing agreement also known as securitization. I, XXXX XXXX, DID NOT DISCLOSE, NOR AGREE verbally, electronically, or through written consent with a wet ink signature, that I wanted this course of action with MIDLAND CREDIT MANAGEMENT OR ANY RELATED THIRD PARTIES. MIDLAND CREDIT MANAGEMENT contracted with an additional party without my consent, making me VOID to pay ANY ALLEGED DEBT. 

To add upon this, I wanted to provide VALIDATION OF THIS ALLEGED DEBT, with the production of this account and the general ledger statement!
Product: Vehicle loan or lease

I attempted to secure auto financing from JP Morgan Chase Bank through a dealership. They said they required an unexpired XXXX XXXX in order to do this as I am a XXXX XXXX XXXX of the united states but as part of the XXXX process my expired XXXX XXXX was taken by the USCIS when they issued me with a passport stamp ( not just ink, physical indentations that make up the USCIS logo that would be very hard to reproduce ) in my Non-US passport that is considered the same thing as a XXXX XXXX which is good for a year. This same lender was willing to give me finance a year earlier in the same circumstances but with 14 days left until my XXXX XXXX 's expiry date ( I had a letter from the USCIS informing of a 1 year extension ) and gave me finance for longer than the term of my letter but in dealing with me this time they refused to give me financing terms for any time longer than the current stamp was valid. I believe it to be the case that they did not want to accept a valid form of the XXXX ( the exact name of a XXXX XXXX ) because they do not understand it and refused to work with me. As an XXXX trying to work and live in the US, how am I supposed to get to work and support my family if nobody will give me financing on a vehicle? I have been living in the US for 3 years now and this is the first time anybody has given me any kind of difficulty or discrimination based on their unwillingness to understand the XXXX process.
Product: Bank account or service

I have been receiving emails about ATM receipts and Store transaction records from Wells Fargo ( WF ) but I do not have an account with them. This has been happening for about 3 years, I went to a WF office in XXXX, Virginia with printed emails to ask about these but they said there were no accounts under my name. I used to have a home mortgage and I believe a checking account that only lived for a short period. I do n't believe my credit report shows any accounts currently open with Wells Fargo but since I just found out about a scheme at WF were they were opening fake accounts for customers I have decided to report this since I do n't want my name associated to money laundering of whatever that scheme could be called.
Product: Student loan

i have a loan servicing company NAVIENT who bought our or service for XXXX XXXX on my credit showing negative. When my loan was in good standing wiith XXXX XXXX.I am on XXXX and going back to school but to my knowledge my loan with XXXX XXXX was in forbarrance. I made my last XXXX payments with XXXX XXXX before Navient bought them. WHen I spoke to Navient that said, that issue is with XXXX XXXX not us. So I said well if you are taking over XXXX XXXX debt you taking everything with you, including any arrangements consumers had with the prior loan company. I feel that once I go back to work or any work in the future is doomed because its showing negative on my credit report.
Product: Checking or savings account

Someone opened an account in my name with Chase bank and XXXX XXXX  and I didnt authorize or know of it being opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft ... this has been a rough time during the covid attack. Someone broke into my car and stole all my information