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

XXXX XXXX is trying to collect debt for XXXX XXXX for a timeshare that I no longer own as of XXXX. That I do not have title to, timeshare not used and included in XXXX discharged chapter XXXX bankruptcy. 
I could not owe fees for XXXX and XXXX and any future years because it was included in bankruptcy and relinquished. Please assist what they are doing is breaking the law and billing me after my bankruptcy. I no longer own timeshare at XXXX XXXX, inquire with them if you don't believe me. Please assist and remove.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge off. The account in question is XXXX XXXX XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as charge-off should only be reported once, corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C 1681 e ( b ) ). Repeatedly reporting the charge-off each month result in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681 c ( a ) ( 4 ) ). Continuously reporting this charge off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter. -
Product: Credit reporting

When the information from XXXX first went on my credit report over one year ago my credit score dropped by over XXXX points. It was a voluntary surrender of a XXXX. I voluntarily assumed responsibility of the residual and have never missed a payment. It was reported as a charge off but also a repossession. I did not pursue having anything done with it until recently. Today I received a reply from Equifax. 

Supposedly the derogatory remark ( repossession ) was removed from the file and I now have no accounts with derogatory statements. However, they dropped my credit score XXXX more points. The only other change to my report by them was a credit card balance increase of {$740.00}. I have no accounts with late payments. I have no accounts with any type derogatory information. There is absolutely no justification for this drop except for retaliation. I filed a complaint with my bank concerning unauthorized charges having been placed on my credit card by Equifax. 
When I first became aware that my credit score had dropped ( thru XXXX ) I had gone on line to retrieve my free credit report to see what had caused the drop. I signed into Equifax '' s web site. I could not find any way of getting a free report on the site. They did however offer a report for {$1.00}. I decided that it was only {$1.00} so I gave them my credit card number. Apparently somewhere in some small print that request committed me to a monthly report that they would charge me {$29.00} a month for. I did not become aware until they had already charged me for two months. Although I never received or in any way accessed these so called monthly reports I was unable to get any part of the {$58.00} returned. In fact the only way I could prevent future charges was to cancel the credit card that they were using and have a new card issued. To make this matter worse, my bank informed me that this was a common complaint about Equifax and that they had encountered it many times. I wrote a letter to them telling them what I thought of their actions. 

If there is not going to be some type of regulation to cover this type activity then everyone needs to be made aware to never file a complaint to them or about them. Your credit score is very important. That they can arbitrarily drop it so drastically without repercussions and no recourse to the consumer is unacceptable. 

As stated before I only had those two changes to my report. The removal of it being a repossession was a positive. I had already been punished by a drop of over XXXX points for a simple voluntary surrender. In that case I did not have much option. I was ordered by divorce court to sell it. I was so upside down with the loan I could not do so. By turning it back to the bank they were able to get a big chunk of their money back when they sold it. I immediately started making payments on the residual and have not missed a payment on that in the past two years. That only leaves the additional charge to my credit card of the {$740.00}. So they dropped my score almost XXXX point for every {$10.00} that I charged. I see no justification whatsoever for this action.
Product: Credit reporting or other personal consumer reports

i got my XXXX XXXX permit. The XXXX  XXXX means XXXX XXXX to drive a 26000-pound truck. The XXXX XXXX means i need some training to get the required skill to drive a big truck. I opted for an apprenticeship program with the truck company XXXX ... I signed an agreement with XXXX to be train on 3 weeks, and pass my XXXX A license test, then work with them at least 9 months. I went for the training. After 7 days class training, XXXX decided to fire me from the training. This is their reason : XXXX XXXX  It is because of thaXXXX XXXX XXXX XXXX XXXX XXXX permit ) i opted to be train with them to get the required skill to move forward my truck career. They fired me means that i didn't receive their service and they didn't honor their part of the agreement we signed. I was surprised that them who didn't honor their part of the agreement charge me {$2000.00} and reported to collection agency. Now there is an derogatory mark on my credit report. Since XXXX year and half, my career is locked down because i can not get a loan to finance my truck driving school. My family is suffering for that situation, my dream career locked down because I was XXXX XXXX  with a company. Is that right for a company to mess up a career of an individual who didn't commit a crime but was only XXXX XXXX? 
I didn't receive their service, they don't have to charge me up to lock down my brilliant truck career.
Product: Credit reporting, credit repair services, or other personal consumer reports

Outsource Receivables is reporting accounts on my credit file that must be removed. I recently took a look at my credit file and noticed some accounts still reporting. I paid these accounts a very long time ago and am now asking that Outsource Receivables remove all the accounts from my credit file. First off, I never received a 30 day right to dispute notice before they ever reported on my credit which is a violation under the FCRA. Immediatley after I noticed this debt it was paid and it was all medical debt that I was under the assumption had been covered. However, Outsource Receivables continues to report negatively on my account despite this being settled. I am aware that since they are the original furnisher they can report to the bureaus as they deem fit and ask for a deletion letter to the bureaus stating the accounts should be removed from my credit file. If I do not receive a response in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under the law to enforce the removal.
Product: Credit card or prepaid card

In XX/XX/2020, contacted the card company to have minimim payment waived due to COVID-19 issues. Saks card services stated, no problem, payment would be taken care of. 
Then get an email for XXXX payment, that shows a double payment due and a late fee assessed to account. 
Contacted company ( XX/XX/XXXX ) to state account payment was communicated and that account payment due is incorrect. After various representatives went through account, acknowledging mishap by rep from XXXX, a late fee was waived but they were not trying to accomodate account properly but instead request payment and stated it was in/going to collections!!! 
Company purposely lied about XXXX payment, then set account up as delinquent, when it wasnt even 30 days past due! 
During these trying times in the country and worldwide, Saks Credit Services and Capital One should be ashamed of themselves. 
The account is being handled incorrectly and in a bias manner! They are trying to get over on my account and set it up negatively with credit bureaus, when that is completely inaccurate!!
Product: Credit reporting or other personal consumer reports

It seems like there have been some unauthorized inquiries reporting on my file so please thoroughly check the documents I've sent
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently going over my report noticed XXXX XXXX XXXX from XX/XX/2019. This was done without my consent. As I have no knowledge of this. Did not sign anything with XXXX or call up and request anything. I am unsure how this happened. Was not authorized by me and is fraud. I was told I should come on here so that this can all be cleared up.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am not liable for this debt Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Our mortgage was transferred to XXXX then XXXX, and now Seterus inc after experiencing a financial hardshipp a few years ago ; since then our lives have been full of surprises, every time we turn around we finding out different problems. Our most recent was in XXXX XXXX XXXX I schedule a payment thru their web portal however we noticed that the funds had not been withdrawn from our bank account my husband, and my self have been in touch with the bank, XXXX XXXX, and of course this so call company. It is now XXXX XXXX and our issue has not been resolved. We are hopping that this is not an other trick to cause a late payment this way we are not going to be able to apply to remove the PMI that we have been paying since we bought our house back in XXXX. Due to the financial crisis the value of our home is low. And this is just the most recent problem back in XXXX I filled for bankruptcy however the mortgage was not included up to now I am still trying to make understand that this was not included in the bankruptcy. They keep asking me for a reaffirm letter from my lawyer I have discussed with my lawyer, and I was told that I do not need to reaffirm. During the time that the bankruptcy was in process they had increased our escrow, but we were never notified so every time we were making payments they did not post them and as result we end up having several miss payments because according to them the amount sent was not wright. In the mean time they never made a call to let us know. They also send someone to inspect the house and of course we were not aware, and there was a charge of {$15.00}, but because we did not know we did not added to our mortgage payment. I also changed my last name and I sent a written request to have this changes made. I do n't think any XXXX had the courtesy to look at my request. I have been reading many complaints about this company, and I can assure you that everyone is describing the horror they are living with this so call company. Please someone MUST have some compassion, and should try to help investigate the issues that many of us are going thru. I hope my complaint is not just XXXX more for the collection of this living hell situation, I also forgot to mention that when I requested to speak to a supervisor I was never transferred to no body. Please who ever is in charge to make sure that customers are treated with dignity, and respect needs to reenforce, and advocate for all of us and definitely take this crooks from continuing ruining peoples lives. We have already enough stress in our lives to worry about what is being done to our finances. I must also say that banks are so cruel to give your loan to people that do not know what their doing. Life is very strange on day your up the next day you maybe down. And when things like this happen is very frustrated. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the accounts on my credit report were incorrect when I reviewed them. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected XXXX XXXX XXXX XXXX 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: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding the actions of [ Debt Collector 's Name ], which I believe constitute violations of the Fair Debt Collection Practices Act ( XXXX  ) and other relevant consumer protection laws. 
XXXX. Breach of XXXX and XXXX : The debt collector has repeatedly made aggressive attempts to contact me at unreasonable hours, including early mornings and late evenings. They have also made repeated calls to my workplace, despite being told not to. Their behavior is harassing, causing me distress and interference with my daily life. 
XXXX. Inaccurate Information : The debt collector has provided inaccurate information regarding the debt they are attempting to collect. Specifically, they have stated amounts owed that do not match the records I have, and I have reason to believe they are misrepresenting the total balance. I have requested clarification and documentation for the debt but have received no satisfactory response. 
XXXX. Failure to XXXX XXXX : Despite my request for verification of the debt, including the date the debt was incurred, LVNV funding llc has failed to provide appropriate documentation. They have not validated the debt or provided evidence that it is indeed owed by me, nor have they clarified the exact date the debt was created. 
Lvnv funding llc XXXX XXXX I am requesting that the CFPB investigate this matter to ensure that Lvnv funding llc Is held accountable for their actions. I also request that they provide proper validation of the debt, including accurate and complete information, in accordance with the FDCPA. Furthermore, I request that any incorrect information regarding this debt be removed from my credit report if it is determined to be inaccurate. 
Thank you for your attention to this matter. 


Ive also attached the letter that Ive mailed to them with no response yet.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : FOR XXXX TIMES CONSECUTIVE XXXX AND EXPERIAN PERSISTENT WITH THIS PROBLEM AND THEY DONT WAN NA HELP ME, PLEASE I NEED YOU HELP WITH THIS ACCOUNT : XXXX account number : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ). please I request a reinvestigation under Dispute of Inaccurate Information on Credit Report FCRA Section 611 and demand deletion for incomplete unverified informacion the last XXXX days This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidat
Product: Debt collection

I do not have a signed contract nor any contract with Enhanced Recovery Corporation. I have never done business with this company. I am not liable for collection from this debt from  XXXX   XXXX   XXXX . I am not responsible for this debt with Enhanced Recovery Corporation. I called and spoke to a very rude representative and I requested to speak to a manager. I informed them that I do not owe this debt and asked for removal from all of my credit reports immediately. I was told that they would send me a fraud packet and I would need to send that back before they remove this unauthorized, unverified account that has no validation.   They are reporting this account opening as  XXXX   XXXX ,   XXXX  . I was not aware of this attempt to collect a debt before now, I have not received any notifications from them. They had an address that does not and has never belonged to me in their database. I informed  Enhanced Recovery Corp.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed 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
Product: Credit reporting or other personal consumer reports

Complaint Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 Your Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Credit Reporting Agency Name TRANSUNION : XXXX XXXX XXXX Account Number : XXXX Complaint Details : I am filing this complaint because there is a charge-off on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). 
Specifically, the charge-off listed under XXXX XXXX XXXXXXXX is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : XXXX. Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth. 
XXXX. Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification. 
XXXX. Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within XXXX  days of my dispute. 
I believe the charge-off is inaccurate for the following reason ( XXXX ) : This information must be verified and evidence of the investigation sent. 
I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor can not substantiate its accuracy, that it be removed from my credit report. 
Action Requested : Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611. 
Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a .consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate of unverified information.

( A ) In general, after any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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.