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

I am writing to formally dispute the charge-off status that your agency has reported to my credit file, specifically regarding account : XXXX XXXX XXXX XXXXXXXX Account number XXXX. This dispute is based on violations of the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 6802 and 15 USC 6801, which outline responsibilities for accurate reporting and consumer rights. According to 15 USC 6801, consumer reporting agencies must maintain reasonable procedures to ensure the accuracy of the information they report. It is my contention that the charge-off reported on my credit report does not accurately reflect the status of the account in question. Furthermore, under 15 USC 6802, consumer reporting agencies must investigate disputes promptly and ensure that any information found to be inaccurate, incomplete, or unverifiable is promptly deleted or corrected. This account was charged off on the following date XX/XX/year>. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of this account. Additionally, I wish to point out that in the event of a charge-off, I should have received a Form 1099-C ( Cancellation of Debt ) from the original creditor, since the amount is over {$600.00}, which I have not received to date. The issuance of a 1099-C is required by the Internal Revenue Service ( IRS ) for canceled debts exceeding {$600.00}, and its absence raises concerns about the accuracy of the charge-off status reported by your agency. I request that you conduct a thorough investigation into the accuracy of the charge-off status of the account. Please provide the following information : 1. Validation of the charge-off, including documentation showing the date of charge-off, the original creditors information, and any supporting details. XXXX. Evidence that the charge-off was reported accurately and within the timeframe allowed by law. XXXX. Documentation proving that the reporting complies with the XXXX XXXX format guidelines. 4. Confirmation of whether a 1099-C was issued for this charge-off and, if so, the date of issuance and the amount reported. Until this matter is investigated and resolved in accordance with the FCRA, I request that you remove the charge-off from my credit report. Additionally, please confirm in writing that this dispute has been received and is being investigated. Please provide a written response within 30 days of receipt of this letter. Failure to comply with these requests will leave me no choice but to pursue legal remedies available to me under federal law. Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered several inaccuracies that are adversely affecting my credit score. These inaccuracies include accounts that I do not recognize or transactions that were incorrectly reported. Attached, you will find a detailed list of the accounts and entries in question. 

I am currently in the process of purchasing my first home for my family, and it is critical that my credit report accurately reflects my financial history to ensure fair and favorable mortgage terms. I urge you to review the attached documents thoroughly and remove the inaccurately reported accounts as required by the Fair Credit Reporting Act. 
Your prompt attention to this matter will not only help rectify errors on my credit report but also facilitate a significant life event like the purchase of our family home. I appreciate your immediate action in resolving these discrepancies.
Product: Credit reporting or other personal consumer reports

Hey Equifax, I was looking over my report XX/XX/year> and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 
XXXX XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) , the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXXXXXX XXXX XXXX  XXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate.

- Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX  XXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate.

- Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate.

- Delete Account Immediately for violation of 15 USC 1681e ( b ) Thank you for your time
Product: Checking or savings account

Chime restricted my account and said they will close it on XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their own grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Debt collection

The college is being sued and I got the email saying that the case was won. So the balance is not owed
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, a XXXX XXXX XXXX was purchased on my way in affirm financing the know. We made one payment and figured out that the bike was too small for her and returned it. The firm was supposed to have reported the loan has been paid in full and or closed. To this day they have not canceled. I have also taken the steps to dispute this with XXXX and to to no avail nothing has changed. XXXX responded back and told me that affirm confirmed that {$2800.00} was still owed on the account. This infuriates me seriously as it is affecting my credit score as if I still owe them money which I do not. I am asking that they fix this to zero balance or delete immediately!. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My Auto loan for my financed XXXX XXXX XXXX XXXX was sold outright and was paid-in-full on XX/XX/XXXX, and a paid-in-full letter was obtained by the lienholder ( XXXX XXXX ) on XX/XX/XXXX to evidence the payoff on this account. For background knowledge, I am the co-borrower on this account and my fiance is the borrower. Currently, this account is still showing a balance on my credit reports from XXXX, XXXX and Experian. This is in violation of the Federal Credit Reporting Act, because the information reported by all three bureaus is misleading by perception, supported by 15 U.S.C. 1681. 

Email address : XXXX Mailing address : XXXX XXXX  XXXX XXXX, XXXX, FL XXXX
Product: Checking or savings account

There was a fraud claim between two people neither of which are my wife or I. It was settled and the money was taken out of our account wrongly causing us to be overdrafted and black marks on our credit report. The fraud case between these people took place prior to us ever having an account with Bank of America. The multiple times weve contacted them all they do is pass us around and tell us its been settled. I understand mistakes happen but their unwillingness to correct this mistake in my opinion has become criminal theft
Product: Student loan

My school has received their tuition and it's been paid in full since XX/XX/XXXX when my first disbursement for financial aid should have came out and now we're here in XX/XX/XXXX and his coming gone and the school has been paid off in full for some recession when the summer session XXXX and yet I've never received any financial aid and now they're claiming that they might review it and I may not receive any financial aid because I stop attending class due to a accident that I was in getting struck by a vehicle on my bicycle on XX/XX/XXXX so I want to know if I owe Nelnet this money and I pulled a loan from them why is it that the school gets a dictate the remainder of that money which is to be given to me is financial aid why is it they get to dictate how much it is I get when I got the loan in my name and I have to repay that and I have a repayment date and everything so that doesn't make sense that sounds pretty shady to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I had too many attempts at logging into my Experian account. The website gave me a number to call to address this. I called, and was put through a series of prompts, finally to have a voice recording advise me to use the website to access my account, then hung up. No option to speak with a live agent, and certainly no assistance with my problem. I have sent several emails with customer service only to receive a form letter email instructing me to use the website to access my account. Back to the original issue, with no resolution.
Product: Credit card

DISCRIMINATION ON THE BASIS OF MY XXXX. THEY ARE ALSO REFUSING TO GIVE ME EQUAL SERVICE TO ME ON THE BASIS OF MY XXXX. I DO NOT KNOW WHAT IS WRONG WITH THE XXXX PEOPLE AT THIS CREDIT UNION. THEY ARE XXXX AND XXXX. IM NOT RECEIVING EQUAL SERVICE ARE EQUAL PROTECTION. I CAN NOT RECEIVE ANY HELP OVER THE PHONE AND WAS BANNED. THEY AFTER FIVE YEARS HAVE A SECURITY NOTICE ABOUT MY SOFT VOICE CALLING ME XXXX. BUT COULD NOT DO THIS PRIOR AND LOCKED MY ACCOUNT SEVERALTIMES. I WAS STRANDED ON VACATION AND ALL MY CREDIT CARDS AND CHECKING WERE FROZEN.THEY CAN DO THIS BUT NOT
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus XXXX XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Mortgage

I sent this email to Mr. Cooper and XXXX : Im writing to plead my case on my modification. Our situation is different in that our servicer admittedly made the mistake and causing us to move our case to the XXXX and Attorney General should we not be able to resolve this with Mr. Cooper. Which we really dont want to have to pursue as we both work and our family is extremely busy as most are these days. 

The situation is this, my family and I are attempting to take cash out of our second home and we were approved to do so. We were approved based on the fact that I completed the modification process with Mr. Cooper and complied with all of the guidelines that XXXX XXXX  Required, ( see attached email from your office to Mr. Cooper ). We in fact did that on my loan, only to find out that Mr. Cooper had dragged their feet and the modification documents had expired. This caused my loan to have to go through the modification process again. 

After numerous calls to the Servicer, they admitted that I needed to quit claim the property out of an LLC for that modification to be completed, but Mr. Cooper admitted that they had forgotten to tell me to do this ( which I have on a recorded call ), hence this caused the documents/process to expire forcing me into another modification process and three more trial payments.

Here is the impact, rates have gone up, the modification process is starting over again and now my current lender is stating that I need to make three payments and the modification has to be completed ( again ).

With interest rates going up, My fear is that Im going to now have to pay more to obtain this loan and may be forced out of qualification for the XXXX XXXX  Loan which we have been approved for.
Product: Student loan

A telephone conversation with a representative of Ed Financial Services was made by me at XXXX to ( XXXX ) XXXX explaining that I received PSLF forgiveness after my accounts had been transferred to XXXX XXXX but that my credit report still showed active accounts with Ed Financial to the sum of $ XXXX. When I provided my information ( SS.number ) they had no record of any debt. 

In speaking to XXXX, the PSLF servicer, I was told that Ed Financial had not reported the loans closed in turning them over to XXXX and the recorded debt remains. I asked to speak to supervisor and was refused. I was told to contact the 3 credit bureaus and dispute the records there. I was told that a " ticket '' would be issued on the account if information surfaced. I asked for a reference number and was told there wouldn't be one. 
I asked if I would be contacted in the event an error was found and told, " I might be '' Only my name was asked. I was not asked for any other contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly a collection/chargeoff in the amount of {$1100.00} on the XXXX XXXX   XXXX/XXXX XXXX XXXX partial account number XXXX. XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge in the amount of {$840.00} on the XXXX XXXX XXXX/XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I was in an automobile accident and the accident was not my fault. The other driver was at fault and their insurance company, XXXX, covered all monetary responsibilities for the accident, including all of my medical bills. ( I have attached a copy of the police report for reference. ) The accounts referenced above should have been paid and therefore no outstanding balances are due. I was not aware there were medical collections until I obtained a most recent copy of my credit report. I never received any letters or any communication of any kind and consequently I had no idea there were any outstanding bills associated with the automobile accident. Continuing to report a collection/chargeoff on my credit report is a violation of the Fair Debt Collection Practices Act. This false reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these line items from my credit report however, I have not been successful.
Product: Credit card

My Victoria Secret credit card had a small balance on it and I was unaware of my balance as I was not using the card and I was not receiving any statements at my new address. Then, I was told that the account was closed and a new card was issued to me. My balance which was around {$2.00} is now {$300.00} in the time frame of 5 months. I had updated my new address and telephone number with the company but, this was not done properly and they had my old contact details on file which they were still sending mail to. My due process has been violated and my credit score has been impacted. This is also a violation of the Fair Credit Reporting Act. If I had known that there was a balance, I would have paid it long ago but, I was not informed by the company and my account was going to be sold off to someone else. The credit card number is XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Dispute of Inaccurate Information on My Consumer Report Dear Sir/Madam, I am writing to formally dispute the inclusion of certain accounts in my consumer report, which I believe to be in violation of my rights under the provisions of 15 USC 1681b and 15 USC 1681c-2 . The accounts in question should not be furnished on my consumer report for the following reasons : Violation of 15 USC 1681b - Permissible Purpose of Consumer Report : Under 15 USC 1681b ( a ) ( 2 ), it is specified that a consumer reporting agency may furnish a consumer report only in accordance with the written instruction of the consumer to whom it relates. I wish to emphasize that I have never provided any written consent to any consumer reporting agency to report the information associated with the accounts in question in my consumer report. This constitutes a clear violation of my rights as a consumer. 

Alleged Identity Theft and 15 USC 1681c-2 : I have reason to believe that the accounts listed on my consumer report may be a result of alleged identity theft. Pursuant to 15 USC 1681c-2 , a consumer reporting agency is required to block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft. I have already taken appropriate action by filing an Identity Theft Report with the Federal Trade Commission ( FTC ) and have been assigned a reference number for my case. 

Considering the above, I kindly request the immediate deletion of the following accounts from my consumer report within the statutory time frame as required by law. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 would like to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

The account balance was paid in full and closed. Thus far, they refuse to update the account showing as much. Despite multiple disputes with Experian, the account has not been updated and according to Experian, XXXX continues to report an account balance. This is impacting me financially and my ability to secure another loan for a house. In addition, XXXX listed a non-working contact number ( XXXX ) on the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has " charged-off '' my balance for purchases that were committed under fraud by the managing member of the business we sold to him on XX/XX/XXXX. On XX/XX/XXXX our card had a zero balance. After the sale, this individual made purchases on this account from XX/XX/XXXX through XX/XX/XXXX and accumulated late fees and interest charges on this until XXXX just " charged-off '' the {$1300.00} balance and it is reported on my personal guarantee. All of the credit card statements were going to the buyer of my business and XXXX XXXX never notified me prior to the " charge-off ''. I noticed the problem on the Experian website on XX/XX/XXXX. I spent well over an hour on XX/XX/XXXX & XX/XX/XXXX phone calls with XXXX XXXX but they continued to tell me that they can not provide me with any details due to their information policies. Since this was on my personal guarantee, I should be supplied with all attempts to collect on this account from the buyer of he business and any other pertinent details. The XXXX representatives forwarded me to their XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX. That just allowed me to waste more time on hold and talking to people who could not give me a single detail about my situation.