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

Numerous accounts i asked the company to give me a physical wet ink signed document that i had with them according to the law. They are reporting on my credit monthly that its charged off. An account can only be charged off once. Plus i never had any relations with said company.
Product: Debt collection

I received XXXX text messages to my cell phone : XXXXfrom " Halsted Financial, a debt collector regarding your XXXX XXXX XXXX issued by XXXX, XXXX account . Visit hfs.halstedfinancial.comXXXX XXXX XXXX XXXX Reply stop to opt-out or call XXXX. # of messages varies. California license Number : XXXX '' XXXX '' Visit XXXX XXXX XXXX  or call XXXX to take advantage of payment options on your outstanding balance of {$690.00} for your XXXX XXXX XXXX issued by XXXX XXXX account XXXX '' I have never had such an account. I called the number from my work phone and spoke with " XXXX '' who requested by SSN and phone number. I refused to give either. I told her I believed the text messages are part of a scam and I am reporting to the appropriate agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receieved an email stating I owed money for a payday loan in XX/XX/2017. This happened around the same time I was moving. The day we moved was maybe about 4-5 days before the trash was to be picked up by the city. Documents were thrown away, I am assuming my information could have some how been obtained from my trash. I called the payday loan company and I was skeptical due to the lack of professionalism from the representative. I searched the company and there we two websites under the same name with slight variations in name. I didnt want to give my information over the phone at first due that I felt it was a phishing trick to get my actual information. I also work at a bank which is what stopped me from providing too much information over the phone. I sent in the affidavit and the IC3 form as well. I thought going into a physical location I would be able to get the issue rectified and I was told they work on two different systems. After visiting the location on XXXX in XXXX XXXX OH I reached back out and heard nothing. I now have a collections item on my credit for over {$6000.00}. I believe the original amount of fraud was around {$570.00} XX/XX/17
Product: Credit reporting, credit repair services, or other personal consumer reports

Three accounts are showing the incorrect status & account balance after contacting the credit bureau. 

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

I have been trying to fix this inaccurate information for XXXX YEAR and still report wrong. I last sent a dispute on XXXX and nothing was verified or updated. I didnt receive any information from them about my dispute status or how this information is actually accurate. My XXXX XXXX name is the same as mine and this credit file has merged. Please help me get these consumer reporting agencies to fix this FALSE information on my credit. I can't even get them to respond within the 30 days.
Product: Credit reporting or other personal consumer reports

On the date I initially reached out to this agency via certified mail, I informed them of my identity theft victim status. However, as of todays date, this agency continues to include information in my credit report that stems from this identity theft incident. According to Section 605B, titled " Block of Information Resulting From Identity Theft, '' consumer reporting agencies are obligated to alert the sources of this information, such as financial institutions, about the potential origin of the information being identity theft, and to inform them that an identity theft report has been filed. I have provided this agency with FTC report numbers XXXX XXXX XXXX XXXX along with a formally requested block. Following such notification, Section 623 ( a ) ( 6 ) requires the sources of information to cease reporting any data in a consumers file that the consumer has identified as resulting from identity theft. This cessation must occur no later than 4 business days after the agency receives : ( 1 ) adequate proof of the consumer 's identity ; ( 2 ) a copy of the identity theft report ; ( 3 ) the consumer 's identification of the disputed information; and ( 4 ) a declaration by the consumer that the information is unrelated to any transactions made by them. 
I have satisfied all these stipulations, and evidence supporting this claim will accompany this complaint. Despite fulfilling these requirements, this agency has not adhered to the requirement set forth by the FCRA 15 U.S. Code 1681c2 to block the reporting of the information I identified as arising from identity theft within the specified 4 business days following your receipt of the necessary documentation. This failure constitutes a violation of the law and makes this agency civilly liable for willful non-compliance, including any actual damages I have suffered as a result of this failure, in accordance with 15 U.S. Code 1681n.
Product: Debt collection

XXXX apparently sent me to collections, however I have never ONCE received any info about this debt and or being sent to collections. If I would of know. I would of settled to hopefully join my house and car. LACK OF COMMUNICATION. Only to find out I AM in COLLECTIONS
Product: Checking or savings account

Ask for a bank statement with Banco Popular in Puerto Rico, they asked for XXXX , in junk fees, for giving you the statement in the bank plus another amount per page. Also their maintenace bank fee is XXXX $ and taking money out of another ATM is another {$8.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information reported on my credit report regarding my account with XXXX XXXX XXXX XXXX Specifically, I am challenging the claim that my credit card payment due in XX/XX/XXXX was late. According to your records, the alleged amount in question is a minimum payment of {$930.00}. 

Background and Request for Proof I request that you provide me with detailed internal records and documentation to substantiate your claim that my payment was indeed late. Please note that mere statements or summary reports are not sufficient evidence. I am specifically requesting : Internal Payment Records : Documentation showing the date when the payment was due, the date when it was received, and any relevant transaction details. 
Account Statements : Comprehensive statements for XX/XX/XXXX and the preceding and following months to demonstrate the payment history. 
Communication Records : Any correspondence or notices sent to me regarding the alleged late payment. 
Legal Reference In accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), which underscores the necessity for concrete evidence in disputes of this nature, I expect a thorough response to this request. 

Potential Financial Impact Please be aware that if this dispute is not resolved satisfactorily and if the false information remains on my credit report, I will consider initiating arbitration. The potential costs to XXXX XXXX XXXX could include : Arbitration Fees : Approximately XXXX XXXX {$5000.00}, depending on the complexity of the case. 
Legal Fees : Estimated between XXXX XXXXXXXX {$10000.00} for legal representation and related expenses. 
Potential Settlements or Judgments : Any resulting settlement or judgment could include damages for defamation and statutory penalties, potentially amounting to an additional XXXX XXXXXXXX {$20000.00}. 
Reputation Costs : Negative publicity and damage to your company 's reputation could lead to loss of business and customer trust. 
In total, the financial impact could exceed {$30000.00} if the matter is taken to arbitration and results in a settlement or judgment against your organization. 

Conclusion I request that you provide the requested proof within 30 days of this notice. If you are unable to provide sufficient documentation, please update my credit report to reflect accurate information and remove any erroneous late payment entries.
Product: Student loan

While trying to refinance my mortgage ( XXXXXX/XX/XXXX ), found out under liabilities-I have a Mohela account in the amount of : {$49000.00} and a XXXX XXXXXXXX XXXX account in the amount of : {$49000.00}, this is one in the same company reporting 2 separate accounts on my credit reports. Called Mohela, XX/XX/XXXX after seeing disclosure. They said they know some people have up to 4 incorrect reporting accounts. I should file a dispute. I told them to fix it. They are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX and XXXX credit report. I never authorized XXXX credit inquiries by XXXX  services in XXXX of XXXX. There should not be XXXX credit inquiries by XXXX XXXX XXXX within a 5 day window. Remove all XXXX of those inquires as there was never anything signed by me that proves that I signed any paperwork that states that I authorized XXXX inquiries by XXXX  mortgage services. I never signed anything to authorize such usage of my credit. 

Also Every account by Navient and XXXX should be completely updated to reflect there was never a time a late payment occurred in XXXX. I request that Navient provide documentation of a deferment and/or forbearance which was not justified ; in that all requirements were met that deferment or forbearance was applicable in my case for the FULL YEAR OF XXXX. Navient and XXXX needs to provide the documentation of income and every single source that states I was not eligible for those programsat that time. XXXX sure that they prove that all documentation is completely accurate that a forbearance and/or deferment was not applicable at that time. Lawsuits are currently pending against Navient and XXXX for not sending proper information to all XXXX bureaus.
Product: Credit card or prepaid card

XX/XX/2023 @ XXXX My husband received an email approval for a new credit card under my name. We contacted our credit card company. We then completed a credit report for a 1 year fraud alert on my account.
Product: Credit reporting

First I have XXXX inquiry 's on all my credit reports. And half of those are shown up to 12 times. I also did not authorize but XXXX people. To run my credit. I reported this month 's ago to all agency 's but nothing was removed and I never heard back from them. I also tried to get my XXXX reports at XXXX and I was refused why? Also I 'm supposed to have a fraud alert on all credit reports so why are the company 's. Allowing inquiry 's without checking with me first?
Product: Debt collection

Account number : XXXX Amount balance : {$410.00} To Whom It May Concern : I am writing in reference to the collection account reported on my credit file associated with the account number mentioned above. This account is negatively impacting my credit profile, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to demand that you cease all communication with me regarding this matter. Pursuant to 15 U.S.C. 1692g, I request that you provide the following information to validate this debt : 1. The name and address of the original creditor.

2. A copy of the signed agreement or contract that allegedly obligates me to pay this debt.

3. A complete account history, including all charges, payments, and credits applied to the alleged debt.

4. Documentation showing that you have the legal right to collect on this debt.

Until this information is provided, I demand that this collection account be removed from my credit report as reporting inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ). Additionally, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding this matter. Any further attempts to contact me will be considered a violation of federal law. 

I expect written confirmation that this collection account has been removed from my credit report and that you have ceased all collection efforts. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX.
Product: Debt collection

This letter is regarding account # XXXX, which you claim I owe {$940.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. 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 FCRA & FDCPA ; 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. 


I sent a letter responding to an item on my credit report that should not be there. I have no recollection of the amount this company says I owe to them. It seems to be an apartment building, but I have never lived here nor know anyone that has lived here. I submitted a dispute letter on XX/XX/2021 and they responded back telling me that I can settle the amount. I am not paying any amount because this is being reported inaccurately. There is no proof that I am obligated to this place. Please have them remove this from my credit report as it is impacting my ability to apply for a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed 3 letters on XXXX closed accounts with XXXX XXXX. One account for XXXX  and one for XXXX XXXX. Letters were dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All letters went unanswered from XXXX Bank and the XXXX XXXX XXXX Experian. 

XXXX Bank XXXX is a closed account showing the last payment XX/XX/XXXX. It has been 11 years and according to FCRA accounts should not report longer than XXXX years. FCRA also states any items disputed must be answered within 30 days or be removed and it has been over 90 days since my first letter with no response. How was this dispute validated if no response was given- a direct violation of FCRA. 

XXXX XXXX  XXXX XXXX is a closed account showing the last payment XX/XX/XXXX. It has been 8 years and according to FCRA accounts should not report longer than XXXX. FCRA also states any items disputed must be answered within 30 days or be removed and it has been over 90 days since my first letter with no response. How was this dispute validated if no response was given- a direct violation of FCRA.
Product: Credit reporting or other personal consumer reports

I discovered several violations of the Fair Credit Reporting Act ( FCRA ) and other related laws in how my personal information and credit report were handled. These violations include the failure of credit agencies and debt collectors to properly verify the accuracy of information before reporting it. For example, they accepted and reported inaccurate credit information without first verifying its correctness, which is in direct violation of FCRA Section 616. This section holds entities liable for willful noncompliance, which can result in civil penalties of up to {$1000.00} per violation.

Additionally, I found that my personal information was shared without my consent, in violation of FCRA Section 603 ( d ) ( 2 ) ( A ), which mandates that I be informed of my right to opt-out of sharing my information. Moreover, inaccurate debts and inquiries were reported without proper validation under 15 U.S. Code 1692g, which requires debt collectors to validate any alleged debt before pursuing collection or reporting it to credit bureaus. The failure to validate these debts, especially by providing signed contracts or agreements, means that they should not be listed on my credit report.

The reporting of " late payments '' also became an issue because these were inaccurately marked without clear definition of what constitutes a " late '' payment, which misrepresents my credit history. Furthermore, I was not provided with proper documentation or notification that would have allowed me to dispute these inaccuracies before they were reported.

As a result, I have requested that all incorrect personal information be deleted from my credit report, along with any unverified or inaccurately reported accounts. If these actions are not taken, I will be forced to pursue legal remedies under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ) to ensure my rights are upheld and the inaccurate reporting is corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is regarding account # XXXX, which you claim my account has 23 late payments with Ally Financial. Please update this account to CURRENT AND PAID on all 3 Credit Bureaus ( XXXX XXXX and XXXX ). I am in the United States XXXX and this account is affecting my ability to secure a Mortgage and could potentially mess with my XXXX XXXX. 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. My reason for disputing is : my contract was current. 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 ; 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 a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 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. P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX
Product: Debt collection

I do not owe anyone anything. All of my bills are paid and I left XXXX and switched to XXXX and I dont owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, have never had an account with XXXX XXXX XXXX. I have tried multiple times to have the item removed, and the bank refuses to do so. I have also submitted multiple FTC.GOV ID THEFT reports. Nothing has helped. 

I would like the item removed asap.
Product: Debt collection

My contract with XXXX was up. I was no longer able to view my account online, and after numerous attempts with customer service, I still could not view my account or see what I was being charged. 
I then switched accounts to XXXX and paid out the remaining days of the billing cycle that actually used the XXXX service. The day I switched to XXXX, I again contacted XXXX to cancel and they said when I ported my number over to XXXX, my account cancelled automatically. 
This amount this company is trying to collect on is for time AFTER my contract was over and cancelled. I DO NOT OWE THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting act XXXX, Account name- 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.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I am writing again in hopes you can keep a hard-working single mother and her son in their home. I have been battling to keep afloat and a house above our heads for some very stressful, heartbreaking months. I submitted a claim to you before and yet again, Ditech is not doing what they should. 
I am a XXXX, and like I said already, single mother in a situation I am trying desperately to work out of. We got behind on our mortgage, due in large part to a predatory loan and fees that were added but never really explained to me. I was switched between one agent and another, and thought I was finally getting ahead because my file for a modification was in review. 
But when I called most recently to check in with Ditech, I found out my house is still in foreclosure! I am very clear on the fact that they can not have me in active foreclosure and in active review, which is in violation of the dual-tracking law.
Product: Credit reporting

All of a sudden account appeared on my credit report on TransUnion from XXXX 2008. This account was part of the identity theft case that I was a victim of. Now they reported that account back on my credit report as closed, but shows that it has 3 late payments. I made a dispute with credit bureau but they do n't want to remove this off my credit. 

The account is XXXX # XXXX