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

Response ( XX/XX/2024 XXXX XXXX  ) Account Ending In : XXXX Dear XXXX XXXX, Thank you for your correspondence to XXXX XXXX. 

Our records indicate we did not send you a 1099-C form as your account is not eligible to receive one.

Our banking procedures regarding unsecured lines of credit have been designed to accommodate all our customers and protect our business. Please be assured that XXXX XXXX complies with all regulatory agencies governing our business.

The Cardmember Agreement states that using the Card serves as acceptance of the full terms and are bound to make all payments on time. If you do not make payments on time in accordance with our terms and conditions, the account may be subject to late fees and finance charges being assessed, suspension of charging privileges, a penalty Annual Percentage Rate ( APR ), along with reserving the right to report the account as delinquent to all credit reporting agencies. 

We hope this information has been helpful. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  Hello XXXX XXXX, It appears that I have one item ( 1 credit card ( XXXX ) ) on my credit report from your company that have been turned into a charge-off recently. I noticed that your company has never sent me any 1099 concerning the cancellation of the debts Would you be so kind as to send me a 1099 for a Cancellation of Debt of this item, due to my financial hardship. I would greatly appreciate it as Ive gone through a serious financial hardship. And this would greatly help me with my credit in the future.
Product: Credit reporting or other personal consumer reports

Credit report of XX/XX/2024 indicates a score drop of XXXX points over XXXX day period. I see no reason for this drastic change. Please advise
Product: Debt collection

I was checking my credit on the beginning of this month and I see a collection I call the original creditor to ask more information about it and to let them know that I was being victim of identity thief but they could not be able to help me because now a collection company is in charge I need proof of that show me how that account was open under my name but no one has an answer
Product: Credit card

From XX/XX/XXXX to XX/XX/XXXX Chase has made three credit inquiries with credit bureaus in furtherance of the issuance of a credit card. On all three occasions I contacted Chase and advised them I had not applied for or requested a credit card. On all three occasions Chase closed the application- although they mailed me a credit card on the first occasion ( which I destroyed ). On all three occasions Chase informed me that the applications originated with Amazon, in connection with their agreement with Amazon. 
On all three occasions Chase informed me that they would withdrew the inquiry and that the inquiry would not appear on my credit report. 
On all three occasions I subsequently contacted Amazon. On the first occasion Amazon believed that the application came from an account primarily used by my son. I spoke to my son and he denied making any application for a credit card. He subsequently closed that Amazon account. 
After the second incident on XX/XX/XXXX I requested a fraud block on my credit account. As mentioned earlier, I contacted Amazon and asked them to research the source of the application however they said unless I had the password to the account they could not reveal any additional information. 
During my telephone call to Chase regarding the most recent incident I informed Chase that although they had previously assured me that the credit inquiries would be withdrawn, they were still appearing on my credit report. Now there are three inquiries on my credit report from Chase. They could not explain why the inquiries have not been removed. 
During my last inquiry with Amazon they asked me to keep my account open so they could run " security checks ''. I subsequently received an email stating that no security problems were found. 
Since the credit card applications seemed to list my current mailing address I am assuming that it is not part of a credit or identity theft effort. I ca n't explain whey it originated but I am assuming that the reason it re-occurs is due to a system program that regenerates the application request when it notices that a credit card was not issued due to the original application. It seems that the system recognized this and that explains why the first two were exactly one month apart ( XX/XX/XXXX and XX/XX/XXXX ). 
The fact that I had a fraud block on my account might explain why subsequent attempts were foiled until the fraud block expired. 
I have asked Amazon to research this but do n't know if they will.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have disputed the inaccuracies on my credit reports XXXX XXXX and TransUnion XXXX. When I requested that they show the validated that the bankruptcy was accurate the credit bureaus said that they did validate. I personally went the XXXX XXXX where my bankruptcy was done and they wrote a statement saying that they don't validate any personal information to the credit bureaus. The credit bureaus allow these outside companies to lie and harm other people credit by stating that their information reporting is accurate which is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately
Product: Credit reporting or other personal consumer reports

Ive been calling equifax credit bureau for the last three weeks. This has been from XXXX. I have been disputing inaccurate information. I was told recently as of XX/XX/year> to continuously send them my ID, a selfie and social security card via a link. Very reluctant due to their breach, I eventually sent them all the information they needed and still was not granted access online or through the XXXX XXXX XXXX  due to fraudulent information reporting on my credit report. I called them again to have it mailed because equifax told me they are now experiencing some type of internal credit lockdown. They didnt say another breach. They just said an internal credit lockdown. The gentleman who says he was in the consumer department was rude and uncooperative as I stated I was uncomfortable with several departments looking for my information. I was unsettled that they couldnt verify my correct data on file or initially tell me why they needed this information all of a sudden. When I log on it says give them a call with a code XXXX  ( XXXX ). I gave them this code and they transfer me to another consumer department as was advised by their representative. They didnt know what the code meant at first. They said I wouldnt have access without sending a copy of my ID and social security card. I sent it, but was very uncomfortable with this process, but I called them. They confirmed receipt of it, but I have attached the screenshot of the block that is still on my credit report. All I see is my XXXX credit score with no additional details. There are fraudulent accounts, one being a company called XXXX who I also submitted an FTC report on who I submitted to equifax and they still have not removed it. Neither has XXXX. Please assist me with finding out why Im not allowed to get my credit report and why, after receiving the information I still havent received access of my credit report.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I checked my credit report on XXXX and XXXX XXXX and noticed a debt of {$2100.00} listed from Capstone Credit & Collections LLC for XXXX XXXX XXXX XXXXXXXX XXXX. I disputed this debt through a letter dated XXXX XXXX requesting Capstone to remove the remark indicating I no longer disputed the debt and to notify the credit reporting agencies. XXXX received my letter on XX/XX/year> at XXXX, via certified postal mail XXXX but they failed to remove the remark or inform the credit agencies as requested. 

Despite my clear instructions, Capstone Credit & Collections LLC did not take any action to update my credit report or notify the credit reporting agencies that I no longer disputed the debt. This inaction has negatively impacted my credit score and caused me significant emotional distress, including feelings of humiliation and mental anguish.

Capstone Credit & Collections LLC violated the Fair Debt Collection Practices Act ( FDCPA ), specifically under section 15 U.S.C 1692e ( 8 ), by not informing the credit agencies that the debt was no longer in dispute. Because of this violation, I am seeking compensation for the damages and costs I have incurred as a result of their failure to act appropriately.

I am willing to pursue all legal remedies available to me, up to and including litigation, to hold Capstone Credit & Collections LLC accountable for these violations and to ensure they are required to compensate me for the harm caused to my credit standing and personal well-being. I am committed to seeking a fair resolution to correct these issues and prevent further damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion, and XXXX agencies has been advised by my disputing Inaccurate information on my credit report Bankruptcy Chapter XXXX XXXX TN XXXX Court. File dates, XX/XX/XXXX dismissed XXXX, File date XX/XX/XXXX dismissed XXXX. I have submitted documentation from the US Bankruptcy Court in XXXX, TN stating that they do not report to ANY CREDIT REPORTING AGENCIES OR THIRD PARTIES. PLEASE DELETE. Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third party source such as PACER or XXXX XXXX.ALL 3 Credit Agencies have not removed this information nor provided me a Method of Verification. I have disputed the Bankruptcy inaccuracy 's in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. And it is remains on my credit report as of XX/XX/XXXX. XXXX has two accounts the same XXXX XXXX XXXX Account Number XXXX, Date Opened XX/XX/XXXX, StatusChapter XXXX Bankruptcy Dismissed.Status Updated XX/XX/XXXX, Original Balance {$430.00} Account Name XXXX XXXX XXXX Account Number XXXX, Date Opened XX/XX/XXXX, Status Paid, Closed/Never late. Status Updated XX/XX/XXXX Original Balance, {$430.00} Chapter XXXX bankruptcy dismissed Two different date opened dates, no information that has my dob, ssn, or original signature documentation. These items I have disputed since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are reporting the correct information however Equifax has been retaliating ever since the Equifax data breach and is purposefully not reporting correct information- they even removed my military service information from my credit report. I have filed several CFPB ( e.g. XXXX with supporting documentation ) report regarding my address. I have a right to dispute inaccurate information in my credit report and have contacted Equifax several times via phone and email. 

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Regarding Addresses where I have lived : # 1 XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX XXXX XXXX ) # 2 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX XXXX ) # 3 XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX ( XXXX XXXX ) # 4 XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX ( XXXX XXXX ) # 5 XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX XXXX ) # 6 XXXX XXXX XXXX, XXXX, XXXX XXXX, CA XXXX ( XXXX XXXX XXXX ) Occupation : United States XXXX Veteran - also update my Military Star Account Licensed CA Real Estate Investor My credit report must be accurate because it has an impact on my livelihood. USPS just stole my pacakge- this false imprisonment illegal acts have no place in government.
Product: Student loan

I had applied for the XXXX income based repayment plan ( now XXXX ) for my student loans in relation to PSLF ( Public Service Loan Forgiveness ) in XXXXXXXX XXXX XXXX. As of XX/XX/2023 the application is still not processed by MOHELA and states that it is under review still. Loan payments are restarting and the payment amount does not reflect what it should be on the income based repayment. I have been on hold hours with MOHELA numerous times and not been able to speak with anyone!
Product: Credit card or prepaid card

Credit card company close my visa credit card out of nowhere when I have excellent credit and I always make my payments on time there is no reason to have my account closed and if so I would like to exclamation as to why my account was closed not just bank policy I also owe a balance on this credit card that would negatively hurt my credit score that ive really been working so hard to be good now that they closed my account my credit scores are going to plunge and I would not be able to get into collage / obtain credit for a student loan on my own ... 
my credit card account was working perfectly until they put a block on my account however they requested documentation I sent them the documentation and it was already verified by the credit card risk department so why is there a need to close my account?
Product: Debt collection

XXXX XXXX of Greenberg , Grant & Richards Inc. contacted my family members ( specifically my father ) and provided information regarding the amount of the debt. I had previously told her to not contact my family member and she is still harassing them
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX, I sent a letter to Equifax, XXXX XXXX and XXXX XXXX regarding numerous violations of the Fair Credit Reporting Act in which the aforementioned Credit Reporting Agencies failed in their grave responsibilities to exercise fairness, impartiality, and respect for the consumer 's right to privacy.

Per 15 USC 1681b the CRA may furnish a consumer report in accordance with written instructions of the consumer to whom it relates. As the consumer, I did not give them written. Also, I believe that they have also violated the Privacy Act of 1974 by disclosing a record without my written consent.

I requested that the CRAs mentioned above discontinue reporting account status, payment history, and derogatory remarks as it is a violation according to 15 USC 1681a ( 2 ) ( A ) ( I ) but they failed to abide by my request or abide by my request to opt out of this reporting per 12 CFR 1016.7.

These violations have caused me irreparable harm, and adverse actions, and have affected my livelihood. Congress has put into place legislation to protect the consumer from these inaccuracies and methods to undermine public confidence in the banking system. My privacy has been breached by these aforementioned CRAs and they must be held accountable for their willful noncompliance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX Experian XXXXXXXX XXXX XXXX Dispute of Inaccurate Information on Credit Report ( Account : XXXX XXXX XXXX XXXX Account Number : XXXX ) I am writing to formally dispute the inaccurate information on my Experian credit report concerning the XXXX XXXX XXXX account, Account Number : XXXX. Experian 's verification and validation of this account in XX/XX/year>, following a reinvestigation, have failed to address and correct the persistent inaccuracies despite my providing evidence of these discrepancies. 

**Details of Discrepancy : ** - **Account Details : ** XXXX XXXX XXXX XXXX Account Number : XXXX - **Verification Date : ** XX/XX/year> - **Current Status : ** Verified and validated inaccurately - **Issues Raised : ** Experian failed to provide documentation of investigation and contacts for follow-up, violating USC 1681 ( c ) ( 1 ), ( c ) ( 2 ), and 1681i. 
- **Persistence of Inaccuracies : ** The account continues to report fraudulent inaccuracies affecting my credit score and access to credit. 

**Legal Basis for Dispute : ** - **15 U.S.C. 1681i : ** Mandates credit reporting agencies to conduct a reasonable reinvestigation of disputed information and document results. 
- **15 U.S.C. 1681e ( b ) : ** Requires credit reporting agencies to maintain accurate information and follow reasonable procedures. 
- **15 U.S.C. 1681s-2 : ** Requires furnishers of information to provide accurate and verifiable data, correcting or deleting inaccurate information. 

Experian 's failure to correct these inaccuracies, despite multiple requests and the provision of evidence, has unfairly impacted my credit standing and ability to secure credit opportunities. 

**Requested Actions : ** 1 Provide a copy of my consumer file 2. Provide documentation of the reinvestigation process, including details of the entities contacted and responses received. 
3. Delete the inaccurate information related to this account from my Experian credit report. 
4. Provide a revised copy of my credit report reflecting the accurate status of the XXXX XXXX XXXX account. 



Thank you for your prompt attention to this matter. Should you require additional information or documentation to facilitate this investigation, please contact me at the phone number or email address provided. 




Enclosures : - Copy of relevant sections of my credit report from Experian highlighting the inaccuracies. 
- Supporting documentation proving the inaccuracies ( if applicable ). 

-- - Make sure to adjust the details, such as your personal information, account number, and any supporting documents you wish to include, before sending the letter. This format ensures clarity and emphasizes your rights under the FCRA while requesting swift action from Experian.
Product: Student loan

Navient is still servicing two of my XXXX student loans. I had t pay fXXXX XXXX and XXXX. They want me to reapply for IDR program with them, but they are no longer listed as a federal loan service as of the end of XX/XX/XXXX. If that is the case, why was I charged for two months into XXXX?
Product: Debt collection

Citi bank sold debt to XXXX XXXX who has attorney XXXX XXXX XXXX filed judgement on my house I never received the debt information I email attorney to settled for amount on lien they want to double amount I also ask them to sent me copies of debt I owe and my signature they dont have it need help selling my house and they trying to get XXXX and I suppose to owe XXXX please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Called and submitted documents via fax and certified mail. I've asked how were these documents verified to be mine and reported correctly. The rep said it wad done electronically with short codes, and there is no such thing as a manually investigation, on top of that the representative wasn't even located in the USA. I'm not understanding how this could be, for one there are so many breaches and hack on the regular, and come to find out, someone outside the country whos not even a citizen has all of my personal information. I received a notice in XX/XX/2017 from one the credit reporting agencies that all of my personal information that they had on me was exposed to XXXX  knows how. I am not at the point of trying to seek legal assistance.
Product: Prepaid card

I received an AMEX gift card for the total amount of {$1500.00} however have been having issues attempting to use the card for the past month. No online retailers such as XXXX or XXXX would accept this card saying that it is on behalf of the credit card company declining the charge. I was able to use small amounts and got it down to {$1400.00} however I am still unable to purchase items online or in store. XXXX XXXX also refuses the card as well. I am stuck with a gift card that is basically unusable.
Product: Credit reporting or other personal consumer reports

Below are inaccuracies that I would like to dispute and remove from my credit profile. 

Employment Information : XXXX XXXX, XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX Phone Numbers : Please be advised that any phone number listed on my credit report, other than XXXX is inaccurate and does not correspond to my contact information. I request the immediate removal of any erroneously reported phone numbers that are not associated with the provided correct number. Please remove all other numbers other than the one listed here. 

Please update my current employment to " XXXX XXXX '' I request a comprehensive investigation into these inaccuracies and the subsequent removal of the disputed information from my credit report. I understand the importance of accurate reporting for maintaining the integrity of credit profiles, and I am committed to ensuring the correctness of my personal information. 

To facilitate the investigation I have attached supporting documentation that verifies the accurate details of my employment residence, and contact information. I kindly request that you promptly review this dispute and provide written documentation for the corrections made to my credit report I appreciate y our attention to this matter and anticipate a timely resolution. Please provide a written response with the statutory period, as per the Fair Credit Reporting Act, Confirming the removal of the inaccuracies from my credit report. Thank You for your prompt attention to this matter.