23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Within a short span of time ( e.g., between 3 to 4 months ), I have had the following accounts either closed ( or credit lines significantly lowered ) by the creditor : CARECREDIT, XXXX, XXXX, and JCPenney, just to name a few, which has subsequently caused my credit score to  plummet! 

It has now become apparent that I need to address the root cause the problem of my falling FICO score, which is XXXX XXXX and the almost ceremonial approach the bank has used in the closing of my credit accounts ; all of which were in good standing! Everyone knows that the closing of a credit account is NOT recommend by the consumer, let alone the creditor ( especially if the accounts are in good standing ), as this can have a devastating effect on a consumers credit score and FICO. 

Nevertheless, XXXX XXXX appears to have done this, with no consideration being made with regards to the devastating effects this could have on the consumers financial overall financial health, which can cause the consumer to lose out on obtaining favorable rates on home financing, auto loans, signature loans, and a host of other important financial products. Further, requiring that the consumer reapply for credit under these circumstances seems grossly unfair and does not appear to reflect best business practices. 

Incidentally, after reading all the complaints filed on Consumer Reports, FTC, as well as on the XXXX XXXX XXXX online forums ( just to name a few ), it is apparent that HUNDREDS ( if not THOUSANDS ) of consumers are either currently experiencing or have in the past experienced the same exact problem with XXXX XXXX that I am addressing in this complaint. This problem is so disturbing, it suggests that it may be necessary that federal regulators step in, to provide better control over this large financial entity ( that seems to have a monopoly over several consumer retail credit cards ) in order to better protect consumers from financial ruin by artificially causing their credit scores to plummet as a result of these successive credit account closings ( and I repeat, on accounts that are in good standing )!
Product: Debt collection

They started texting yesterday, XX/XX/2023 and I called to see what it was about and XXXX XXXX got verbal abusive and smart mouthed with me. I told him that I do not want to be contacted about this matter again. He stated he would be calling me everyday. Today, I received a call from him and I stated again do not contact me about this matter again. An hour later I received a text message from them. I stated stop to end the text messages. At XXXX today, I received another phone call from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my XXXX loan in XX/XX/XXXX. XXXX XXXX XXXX said that I owed {$500.00} dollars for fees and charges. Not car payments. I referred them to XXXX and XXXX of XXXX when I paid those charges. They have reported late payments to all XXXX bureaus. ( Experian, XXXX, and XXXX ) I told XXXX that I was going to take legal action, and they sent my account in as a Charge off / Collection without the account ever being late. Even in their fraudulent reporting, they have me 60 days late in XXXX Then XXXX. no XXXX, XXXX, XXXX, or 180 days late. Then the charge-off. ALL TOTALLY WRONG. 
I have proof. XXXX sent me the letter of " PAID IN FULL '', and the Cars title, with the lien released. I sent letters to all three bureaus in XXXX and XXXX with copies of the account payoff letter and the car 's title. With a demand to delete this account if full, because it is wrong all 6 of the months at the end of the loan. I can supply the paid in full letter. And a copy of the title that XXXX sent me on XX/XX/XXXX. I wrote all three bureaus ' letters to delete. They are in the ATTACHMENTS.
Product: Debt collection

In XX/XX/XXXX, I requested XXXX XXXX XXXX XXXX to refund the unauthorized electronic transfer that they took from my checking account. At that time, they told me that they have written off the debt and it was sold to a debt collection agency. XXXX XXXX XXXX XXXX removed the tradeline that they had on my consumer report. 

Absolute Resolution did not contact me until they appeared on my consumer report in XX/XX/XXXX. They failed to follow the guidelines of the Fair Debt Collection Practices Act. Absolute Resolution has exhibited an abundance of abusive, deceptive, and unfair debt collection practices. 
The FDCPAs purpose is to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices. 
I was never given any written notice, or validation notice and it was not within the five days that is required according to the FDCPA. I never gave Absolute Resolutions consent to this debt collector nor did they receive any express permission of the court of competent jurisdiction. Absolute Resolution has used unfair practices, by communicating false and inaccurate information on my consumer report. 
I have attached the consumer report that shows that Absolute Resolution started reporting on my consumer report on XX/XX/XXXX. 

I have attached the first communication that Absolute Resolution had with me, which is the consumer report.
Product: Credit card

I am being charged for baggage fees. We did not authorize baggage fees in any way. Spoke to the XXXX XXXX  and she assured me there would be no fee ( or bags were small enough to be considered a personal item ) however the charges came through. They have responded to the dispute with Barclays and taken the position that the terms and conditions for the account state that these fees are non-refundable. Just because the terms and conditions state that fees are non-refundable in general does not mean they can charge for anything they would like regardless of if you authorized the service. I spoke to XXXX XXXX badge number XXXX ) this evening and he understood what I was saying but the only way they would reconsider the dispute is if I would draft another letter ( sent through XXXX Mail ) and they would reconsider the dispute. They are making it intentionally difficult to solve an issue. There is no documented authorization for this fee. They are just assuming if they make it difficult enough the consumer will pay and give up. 

The case ID is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX, XXXX Financial Account # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, Bankruptcy Reference # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am XXXX  XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX - XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Accounts & Late Payment Reporting FCRA Violations Dear EQUIFAX, EXPERIAN & TRANSUNION I am formally disputing the accuracy of certain accounts on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). The accounts listed below contain incorrect or unverifiable information. You are required to ensure the maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and conduct a reasonable reinvestigation ( 15 U.S.C. 1681i ). If you can not verify these accounts with complete, detailed evidence, you must delete them from my credit report.

I am requesting the method of verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ), a debt validation under 15 U.S.C. 1692g, and a full, complete, and detailed description of the investigation conducted, including : The name and contact information of each party you spoke to. 
Time and date of communication. 
Documents reviewed to verify the accuracy of these accounts. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Incorrect late payment ( s ) recorded. 
I have never been late on this account. 
I demand an update to Paid as Agreed and removal of the late payments unless you provide proof of lateness, the method of verification, and specific details of your investigation. 

FCRA Violations & Legal Demand If you fail to provide a complete, detailed response with supporting documentation, I will : File a FTC REPORT.

Pursue litigation under FCRA 15 U.S.C. 1681n & 1681o, seeking {$1000.00} per violation plus actual and punitive damages.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if you can not verify the accuracy of these accounts, you must delete them from my credit report immediately. 

Please send me a written response within 30 days of receiving this dispute, confirming the results of your investigation. Failure to comply will result in further legal action. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Hello, I am writing to you to try to clear up some late payments that have been erroneously reported to the credit agencies. 

We were on a forbearance plan with Carrington until we signed loan modification documents at the end of XX/XX/2021. After the documents were signed and notarized we were given a new payment amount and terms and started making the new payments through the website. 

The website showed the new terms and payment amounts. We paid XXXX, XXXX and when logging in to pay the XXXX payment the website said there is a problem with this loan. 

I contacted carrington mortgage company and after much research I was informed at that time that the loan modification had failed in quality control. This was the first time we were given this information. After many phone calls and going through multiple channels it was determined that the we needed to reapply for the modification which we moved forward with and submitted the application. 

That process took almost 3 months. During these months I spoke with carrington on multiple occasions, I was advised in those calls not to pay the mortgage payment as it would just be applied to the balance ( which would be rolled into the modification ) In the meantime we were able to go another Avenue and pay off our balance and get current. 

We are now on track but our credit was negatively affected due to missed payments but I feel our loan should never have been taken out of forbearance if the loan modification was not complete. I think there was a breakdown in communication. 

Could you please look into this and see if we are able to get those late payments removed from our credit report? 

Thank you so much I have copies of all documents for the modifications and the notary info. Its just too much to attach here.
Product: Student loan

I was under the impression that the government was wiping out all loans from XXXX XXXX as they closed a few years ago. I've ready many articles on a bill that was passed last month that forgives the debt 100 %. I spoke to navient who still demanded a payment.
Product: Mortgage

An appraisal was done on my property on XX/XX/XXXX. The value was way lower than it should have been and therefor no loan was provided. I paid XXXX dollars of my money for that appraisal and just found out it was just submitted to HUD on XX/XX/XXXX? This is ridiculous and not only am I stuck with a low ball value on my house for 6 months I am also out XXXX dollars because some XXXX  lender sold me and told me my house was worth XXXX! The appraiser is also wrong! It should have come in around 360k but im being XXXX  on both sides and as a consumer this is XXXX! I called HUD and they told me that the XXXX that I paid didnt even goto the appraiser because he hasnt even gotten paid? At this point I want my refund for my appraisal and I want this XXXX value erased from the HUD system. This whole thing is a bunch of XXXX!
Product: Student loan

I fall under thecurrent lawsuit I was only offered a forebearance, late fees, and misapplication of funds. I took out an XXXX loan that has costs me over XXXX. I have complained and nothing.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$380.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$8300.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$180.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

Caine Weiner Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # account number. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Midland credit managem XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

This is a complaint to XXXX XXXX , XXXX for violating multiple laws in regards to the following account # XXXX. I had filed a cfpb complaint against this company to which they had responded that I had sign the contract. However, in XXXX XXXX , XXXX terms and conditions they agreed not to share my information with non affiliates to which they stated the the credit bureaus is an affiliate. XXXX, Equifax, and XXXX is not an affiliate of XXXX XXXX , XXXX because they are NOT " credit bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. If they believe otherwise, I demand that they send me proof that those consumer reporting agencies are indeed bureaus and it must be written in federal law. Additionally, I demand to be sent the book entries security of this account to validate this information. If they can not provide this, then they must remove this account from all consumer reporting agencies such as XXXX, equifax, and XXXX, and any and all other 3rd party agencies. Further more, this company is violating the fair credit reporting act, to be more specific, 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX, XXXX ) making the report. Pursuant to 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX, XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, Equifax ) if the person knows or has reasonable cause to believe that the information is inaccurate. There are two inaccuracies with this account. The first is both Equifax and XXXX are reporting two completely different information which is already grounds for removal. The second inaccuracy is that this account is marked as a charge off / cancelled debt and that can not be reported due to the fact that the IRS considers charge off as income. So in addition to validating this debt by sending me the book entries security, I am now requesting a copy of my 1099c that was filed when this debt was canceled/ charged off on XX/XX/2021 as I never received it. Lastly pursuant to the fair credit reporting act, to be more specific 15 USC 1681b, This also serves as my consumer instruction to remove this account from my consumer reporting a.k.a credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

For each of the last three days ( XXXX XXXX -XXXX, 2017 ) I have attempted to place a credit freeze with Equifax due to its security breach. After I entered my information on the Equifax 's website, I reach a screen that says the credit freeze service is unavailable at this time. I attempted to call Equifax to try to achieve resolution, but got only recorded messages that provided no help. I would like you take action on the behalf of myself and others to require Equifax to make credit freezes available when people ask for them. That 's the very least Equifax should be expected to do to prevent damage resulting from the security breach.
Product: Credit reporting or other personal consumer reports

Always mail your disputes with two forms of ID in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Ive recently been Disputing inaccurate information that is being reported on my credit report by all 3 credit bureaus XXXX, XXXX, and TransUnion and I truly believe that my disputes were not investigated properly, even with providing proof with pictures of inaccurate reporting and also requesting for theses companies to provide me with proof that the alleged debt belongs to me. After these accounts have been verified over and over by all 3 credit bureaus, I still have not received any proof of these alleged debits belonging to me the only thing Ive received is a letter saying that these accounts have been verified and are reporting accurately. Ive asked for several reinvestigations and information on how these accounts are being verified and investigated and still nothing but these accounts have been verified and are being reported accurately. These credit bureaus are allowing companies to verify accounts without providing proof or documentation and my consumer rights have been violated over and over again. I have attached all my documentation, proof and pictures to this complaint and I am also aware of the CFPB lawsuit against both XXXX and XXXX for Improper Investigations of Credit Reporting Errors, which I truly believe I have been a victim of. If a proper investigation was preformed, I believe the inaccurate information would have been removed from my credit report. These accounts should be removed from my credit due to inaccurate reporting, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX. Ive also noticed every time I disputed these accounts, they get updated with different information so that they can be verified as accurate. I have attached supporting documents to my complaint.
Product: Debt collection

Despite Multiple written requests, the unverified Collections still remain on my credit report. It's my understanding that under the FCRA they have to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of the investigations, they stated in writing that they " verified '' that these items are being " reported correctly ''? No one has provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). of the FCRA. Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). And Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " ... promptly DELETE all information which can not be verified. '' I have no idea who they are and I do not believe I owe this alleged medical debt. They are also reporting that I made payments on this account to XXXX? WHERE?! SHOW ME WHEN, HOW, WHERE! They have not provided Proof it belongs to me. And they continue to report this erroneous information.