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

The company removed the account and re added it 3.5 years later the issue was settled with the original lender the vehicle was not drivable I notified them them they allegedly had nothing else available and offered to redeem the car and whipe away my dent because i was current with every payment up until issues with the vehicle not starting the company had already sold my trade in that i used to purchase the vehicle so they decided to settle so i can by a more expensive car off there lot upon returning the vehicle i disclosed i wasnt interested in doing business with them again and in turn would just like to return their vehicle and go else where and they could keep what they owe me from my trade in in exchange of clearing my debt this was discussed in length now when it hit my credit i was shocked and reached out they disclosed the company was shut down / sold off and now i was there problem they removed the debt but now years later its reaapeard this has been XXXX years the loan should not even be on my report as its far too old it seems very coincidental that it just reappeared they keep trying to convince me to settle on a amount and i refused they have all the payments i made plus my trade in plus the vehicle they sold me if thats mot a rip off i have no idea what is i litterally got robbed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I disputed the following item on my credit report : XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax `` verified it to belong to me which I knew was impossible since this account is not mine. I tried to call and mail this company with the information provided by Equifax. The number is not connected and the mail was returned. Equifax is not investigating anything. They report negative items with little to no regard for the consumer beyond their interest ... I am filing this complaint as a matter of course. I intend to sue them for the damages to my credit ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 

- Account number XXXX Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Phone number ( XXXX ) XXXX Date opened XX/XX/XXXX - Account name XXXX  Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$340.00} written off. 

- Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

PLease help I am trying to save my home My husband very sick i been spending most of my time taking him in and out of the hospital this making my work and income slow. 
I want and need to catch up on my family home we have lived and made payments on this home since 2005. 

Please help me work with Mr Cooper and XXXX XXXX to save my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable accounts that are keeping to be established as correct. Be sure to generate a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

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

Hi, I have recently looked ATA copy of my credit report and noticed there was a few fraudulent accounts on my report. Iaskthat you please remove these accounts from my report because they are hurting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

My data was breached and I charges and inquiries that do not belong to me.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - XXXX - {$460.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT REPORTING AGENCIES ARE REPORTING ME LATE PAYMENTS IN AN ACCOUNT I HAVE OPEN WITH XXXX Loan # XXXX when all my payments have been punctual to date, Due to that information that is in my credit reports, my creditors have lowered the credit limit on my cards, which is directly affecting my credit history. I contacted XXXX and they state that the information that has been reported to the agencies credit has been positive and they have never reported a late payment since all payments have been made on time XX/XX/XXXX {$410.00} {$220.00} {$190.00} XXXX XXXX  XXXX XXXX... XXXX XX/XX/XXXX {$410.00} {$230.00} {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} {$210.00} {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} {$200.00} {$210.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$410.00} {$200.00} {$210.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$410.00} {$190.00} {$220.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} {$190.00} {$220.00} XXXX XXXX XXXX XXXX.. XXXX XX/XX/XXXX {$410.00} {$180.00} {$230.00} XXXX XXXX XXXX XXXX... XXXX XX/XX/XXXX {$410.00} {$180.00} {$230.00} XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX {$410.00} {$180.00} {$230.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$410.00} {$170.00} {$240.00} XXXX XXXX XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Idaho XXXX XXXX XXXX along side Action Collections, XXXX, XXXX and XXXX are all actively reporting incorrect information regarding a balance on an account. 

The balance is for {$6800.00}. This balance was paid in full, and has been for years. 

This needs to be removed, immediately, from my credit. 

This letter also serves as a letter of demand with intent to sue in accordance with the FCRA section 605. The aforementioned agencies will be receiving formal summons to appear in a civil court for violating the FCRA, FDCRA and consumer finance laws in accordance with state and federal guidelines. As such, the State Attorney Generals office and Department of Finance, along side state licensing board will receive complaints of illegal debt collection and reporting. 

You have until XX/XX/XXXX to comply with this lawful request for deletion of illegal debt reporting, no further communication will be sent, if this is not removed by the aforementioned date this will be seen in court for the before listed companies involved.
Product: Debt collection

on XX/XX/2018 I sent a letter with the following verbiage to Portfolio recovery to VALIDATE THE DEBT : below is the exact letter verbiage sent to XXXX XXXX XXXX XXXX Dept XXXX XXXX XXXX XXXX  XXXX XXXX ca XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --. 


This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 

Please attach copies of the following documents : 1 ) Agreement with your client that authorizes you to collect on this alleged debt.

2 ) Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 
3 ) Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 
-- -- -- -- -- -- -- -- -- -- -- - None of the above was provided the only thing that was sent a letter stating the debt was purchased by them from XXXX XXXX and several bills which is not validation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  ACCOUNT XXXX IS REPORTING THREE TIMES ON EXPERIAN, TWICE AS IN GOOD STANDING AND ONCE AS A CHARGE OFF {$4000.00}, THIS IS ONLY REPORTING ON EXPERIAN THIS WAY INCORRECTLY NONE OF THE OTHER BUREAUS I NEED THE CHARGE OFF DELETED SINCE THIS IS BEING REPORTED INCORRECT THIS IS AFFECTING MY SCORE AND NEEDS TO BE CORRECTED IMMEDIATELY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have file for a Visa card for Capital One and Capital One Administration and Management keeps denying my application because I filed various Discrimination and Retaliation complaints with Federal Government.I was denied on XXXX, XXXX, XXXX andXX/XX/XXXX.
I am requesting a Federal Investigation against Capital One for Retaliation and Discriminating against me as a XXXX XXXX XXXX and XXXX and XXXX Military Veteran.
I have credit scores of XXXX XXXX and XXXX XXXX as I checked with XXXX XXXX XXXX. My credit score with XXXX is in the XXXX in which it will rise once the hard inquiries be deleted from XXXX  credit report and XXXX and XXXX.
I have provided my California Cal Pers XXXX Lifetime Retirement Pension income of {$4400.00} a month.
I own a home that has a value of {$320000.00} and I get Denied for a Visa credit card with Capital One?
I am XXXX  and XXXX and Capital One has denied me a Visa card because I am XXXX in which my ADA XXXX Civil Rights has been violated by Capital One Administration.
XXXX XXXX and XXXX XXXX and other Capital One Management keeps sending Denials Letters.
Also, Capital One denies a Visa card because I have a Bankruptcy Chapter XXXX on my credit file in which it was filed because of circumstances.
Bankruptcy was filed on XX/XX/XXXX and Discharged by XXXX, Texas Federal Judge on XX/XX/XXXX.
Capital One makes billions of dollars every year why company retaliates and discriminates against minorities and military veterans?
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccuracy and unauthorized inquiry on my credit report. Upon reviewing my report, I found an inquiry on my Equifax credit report in error. I request that the inquiry for XXXX dated - XX/XX/2024, be removed from my profile. I did not open account nor do I recognize this inquiry. Please remove this inquiry from my report immediately. 

Prior to reaching out in writing, I attempted to resolve this issue via phone. Unfortunately, my calls were consistently routed to representatives outside of the United States, who were unable to assist me effectively. Despite my efforts, I was not afforded a fair opportunity to resolve this matter. As a result, I am now seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to ensure that my credit report is corrected. 

I would appreciate your prompt attention to this matter and request that you take immediate action to remove the disputed item from my credit report.
Product: Vehicle loan or lease

A lawsuit was won against Santander and I fall under the criteria for loan deletion off of my credit report based off of -the time frame I opened my account with Santander -credit score & income at the time of loan signing -falling delinquent and repossession under 12 months after signing - high interest rates I was a XXXX year old victim of predatory practices by Santander. I did not have my job for more than a month, not enough income, no down payment, bad/little to no credit, no drivers license, a trade in with no title. Etc talked into a contract with Santander because they were the only bank that would accept me. 

I have contacted Santander on multiple occasions to inform them of not completing my credit deletion despite mandatory order. They will not do it and wont tell me why they wont even though I fall under the judgment criteria. They wont send me any paperwork requested or provide me with my credit information at the time of signing. I disputed with XXXX  and spoke to XXXX. XXXX refereed me to Santander and Santander refereed me to AG Virginia. XXXX does not handle credit deleting only the restitution payments. I was told to file a complaint again. 

Account opened XX/XX/XXXX Behind on payments XX/XX/XXXX Repossessed XX/XX/XXXX On top of non quality consumer. 
Credit/income etc. 

I have all credit information showing I fit under the criteria for loan forgiveness
Product: Debt collection

I cancelled my membership with XXXX XXXX XXXX XXXX in XXXX  after discovering months of fraudulent activity related to my account at a location in XXXX  ( I lived in XXXX  at the time ). I had been a member for over a year at the time of cancellation and should have been able to cancel without issue. 

I spoke with XXXX XXXX who identified herself as the Manager via Phone and email and she confirmed that our memberships were cancelled. 

XXXX then sold this debt to a collections agency called Aldous and Associates who then reported this information to a credit reporting agency.
Product: Debt collection

I am writing to formally request the issuance of IRS Form 1099-C in relation to the cancellation of debt that has occurred with my account. After a thorough review of my records, it is clear that a significant portion of the debt has been forgiven or canceled, yet I have not received the corresponding Form 1099-C, as required by the IRS.

According to IRS guidelines, creditors are obligated to issue a 1099-C form when a debt is canceled or forgiven in an amount of {$600.00} or more. The timely issuance of this form is essential for tax reporting purposes, and failure to provide it could lead to inaccuracies in my tax filings, potentially subjecting me to penalties or additional liabilities.

I respectfully dispute the lack of compliance with this legal requirement and request that the 1099-C form be sent to me promptly. Please respond to this request within 30 days, as required by federal law, to avoid further escalation of this matter. I hope to resolve this issue amicably and without the need for additional action. 

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

Sincerely, XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX - I canceled Amex XXXX Platinum card. My account has been in good standing before that. As shown in the attached screenshot, the agent didn't notify my any reward removal consequence. 
XX/XX/XXXX - Amex removed XXXX reward points from my account.
Product: Mortgage

Around XX/XX/XXXX I was in negotiating a loan Modification with then Bank of America who claims to be the refinancing junior lender. However, Bank of America was alleged to be a predatory lender in XXXX by another Mortgage lender. At the time I was currently already on a loan Modification with the senior lender in XX/XX/XXXX. The senior lender Payments was about a thousand dollars a month. Bank of America loan Modification would have been about a thousand dollars which was too much, being that I was already underwater on the house and I'm on a fixed Income. However while in negotiations with Bank of America, who continued to give me the runaround regarding the loan Modification. I spoke to 7 different people at Bank Of America who  just wanted me to send all my personal information, but never returned my phone calls and letters regarding the loan Modification. Then on XX/XX/XXXX a foreclosure was filed on the home. But the plaintiff that filed foreclosure on XX/XX/XXXX was another bank not Bank of America. On XX/XX/XXXX foreclosure stated that I received a SUMMONS SERVED BY SPECIAL. PROCESS SERVER which was false. The XXXX was served to my father in New Orleans in XX/XX/XXXX not XX/XX/XXXX. I found out about the summons when I visited New Orleans during XXXX XXXX from my father. My first court appearance was in XX/XX/XXXX almost a year later after the foreclosure was filed. I continued to go to court on the case as I was still surprised by the whole ordeal being that I was still in negotiations with Bank of America a year prior regarding the loan Modification. On XX/XX/XXXX I went to court and the Judge alleged to have sign off on the Order Of Possession that day, the judge told me that I had 30 days to move out. I was shocked by this as I asked the Judge to give me sometime to figure this out. Plus I'm was a XXXX Veteran. So the judge said 60 days. Now I come to find out that Bank of America does not own the home. This was confirmed on or around XX/XX/XXXX. I still occupy my single family home as the current owner. Bank of America has continued to avoid answering any of my complaints after several attempts, and has not given an answer to any of my complaint as well. However Bank Of America keep sending unknown people to harass me and my family to fraudulently take my home.
Product: Debt collection

On  XXXX   XXXX ,  2017 my  employer 's payroll department notified me that my wages were to be garnished by court order. The law firm responsible,  XXXX    XXXX   XXXX   XXXX  , did not notify me of the lawsuit and I did not receive any court summons. Furthermore, the action was not brought in a jurisdiction where I resided at the time, nor in the jurisdiction where I signed the contract sued upon.  <P/> I attempted to resolve this debt and put a stop to the garnishment by furnishing payment to the firm. I called them and was told to send guaranteed funds to  XXXX   XXXX   XXXX ,  XXXX , MA  XXXX  by overnight shipping. I did this, and tracked the shipment.   XXXX   indicates that it was signed for by one  XXXX   XXXX . In spite of the fact that they have received payment, they are continuing with their attempt to garnish my wages, and are actively ignoring all of my attempts to communicate with them.