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

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX Account Number XXXX XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under -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 -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: Mortgage

My mortgage company cancelled my escrow account XX/XX/XXXX and didn't notify me. They are charging me for escrow though still and have taken out of my XXXX through XX/XX/XXXX payments. My home owners insurance was cancelled as they didn't pay it. They raised my inters from 4.5 to 5.5 effective with payment due XX/XX/XXXX. They still haven't been added to my credit report since XXXX of last year. I hold for hours to speak to an agent and just get the run around Gregory Funding
Product: Debt collection

I went online to start paying weekly payments to Portfolio Recovery here recently. I made one payment online at their website, and I disputed with the XXXX credit reporting companies to let them know that I was beginning to make payments to all my debt accounts listed on my credit reports. Well, apparently Portfolio Recovery is rhinking that I am disputing the debt. I am not. But, now, I can not log back in to their online payment website with my information, so therefore I am going to miss the next payment which THEY are now telling me is XX/XX/2017. Why ca n't I log in now and pay before this date? I do n't understand why they are giving me a certain date when I told them I will make weekly payments instead of monthly. I guess they did n't like my offer to pay the XXXX dollars back, which was my total XXXX credit limit. That 's fine their offer was a settle amount of {$440.00} or something like that. But, they have a total on the account of {$610.00}. I have made a {$10.00} weekly payment already and I have not received any positive reaction from Portfolio Recovery, and I since then have n't been able to log in their payment website with my information and make another payment since. Also, they have n't reported any payment from me to any of the XXXX credit bureaus. Maybe I should have reported a claim in that class action suit when I received that post card about them being sued.
Product: Mortgage

Wells Fargo - We purchased home with Wells Fargo in XXXX then refied in XXXX or XXXX. We may be damaged by the Wells Fargo lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a letter regarding unknown and inaccurate information on my credit report. As of XX/XX/XXXX, which is more than 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and disregarded. I feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove the items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately, or I will file for litigation due to the unjust due stress you have caused me. Furthermore, my personal information was impacted by the XXXX  data breach andmay have gotten into the hands of unauthorized individuals.
Product: Debt collection

They were very rude and hung up the phone on me. I have an alleged debt of {$260.00} ( XXXX ) and they were not doing all they could to help me resolve what was going on. They would not wait for me to transfer my insurance company representative ( XXXX ) into the call. They had hung up on me multiple times. This was done on XX/XX/XXXX/17 at around XXXX. The supervisor XXXX was getting loud and very unpleasant as she got ruder because she did not want to call my insurance supervisors direct line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and noticed several accounts that doesn't belong to me. Please remove them. They are messing up my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX   XXXX {$550.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$150.00} XXXX  XXXX XXXX {$1400.00} XXXX XXXX {$1300.00}
Product: Credit card or prepaid card

US Bank has ridiculously arbitrary credit issuance rules. Their ludicrous standards inhibit credit building and discriminate against those interested in credit education. I was denied because the obnoxious customer service representatives refused to pull my credit from a bureau with a comprehensive overview of my credit in favor of a moronic randomized bureau which discriminates against consumers new to building credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
2. Validate Account XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4 Validate Account XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5 Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit card

Card was closed XX/XX/XXXX. Reached out XX/XX/year>, was told I would have to reapply for card and they would not be able to reactivate account despite the phone tree and online information suggestion I would be able to request reinstatement on the same credit line. 

Ive had this credit line open for 8 years and it has a direct impact to credit score.
Product: Money transfer, virtual currency, or money service

I received a Cash App XXXX card in the mail, however it was sent to my brother 's address. I have never lived at this address. All that was included with the debit card was information on activating it. I did not sign up for a Cash App account or request a debit card. I called Cash App and was immediately disconnected. I then called XXXX and they deactivated the card and advised me to call XXXX XXXX, who issued the card. When I called XXXX XXXX, I got an automated greeting, and the first thing they said after stating their name was, " If you are a Cash App customer, please call them '' so the bank was of no help. I tried Cash App again and finally got a hold of someone. I provided him with the information on the card, my zip code, and my email address. He confirmed the account was suspended. I never received written confirmation that it was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX Balance : {$160.00} Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) Account Number : XXXX Balance : {$1900.00} Account Name : XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Balance : {$500.00} Account Name : XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Balance : {$480.00} Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Balance : {$1500.00} I am formally filing a complaint against Equifax, XXXX, and XXXX. I have been disputing these collection accounts with the credit bureaus since XX/XX/XXXX. I also have disputed this directly with the collectors XXXX XXXX and XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. I was asking these collection companies and credit bureaus to simply validate the reporting of these accounts. I'd like to exercise my rights as a consumer to ask for the validity of the accounts I have mentioned above. I am trying to get approved for credit and I am not able to do so because the number of collection accounts that are reported in my credit report. 

I have not received sufficient documents from both the credit bureaus and third party collectors proving that these collection accounts are valid and 100 % reporting compliant with the reporting regulations as mandated by FCRA and FTC.
Product: Credit card

On XX/XX/XXXX, I called Capital One to request a status update on my chargeback dispute for {$1900.00}. Capital Ones supervisor informed me the dispute had been permanently resolved and that the merchant had responded to the dispute after I had last called Capital One to check on its status ( XX/XX/XXXX ) to state that they were not disputing the charge further and that the chargeback was valid. This was the first time I had been informed by Capital One that the dispute was permanently resolved. Previously, Capital One had told me on XX/XX/XXXX that they were waiting for the merchant to respond before determining how to proceed with the dispute. I requested that Capital One provide me a letter document the resolution of the dispute, the reason why it was resolved, and documentation of what the merchant had sent Capital One ( e.g., the merchants statement that the chargeback was valid and they were not contesting the charge ). Capital One told me that they could not provide me any documentation and that letter they had sent me previously on XX/XX/XXXX and resent to me on XX/XX/XXXX was the only letter they could provide me. I informed them that this letter did not document the resolution of the dispute and that the letter stated that the dispute was ongoing and the credit ( chargeback ) to my account was temporary. I informed Capital One that I had a right under federal consumer law for documentation regarding my dispute and that it was not appropriate to refuse to provide me documentation of my legal chargeback dispute. I requested again documentation that the dispute was permanently resolved and records of what the merchant had provided Capital One. Capital One refused to provide me any of this documentation. I asked repeatedly for other options and was told no. I asked the supervisor why the information could be verbally communicated to me but not provided me in writing ( which is what is needed for legal documentation ). He just said " no, we don't do that ''. I was told that my concern would be documented for customer service improvement, but that this would not address my request for documentation. The supervisor then disconnected the call and hung up on me to avoid addressing my concern.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX, PORTFOLIO RECOVERY ASSOC continues to report and update a collection account my credit report. I have never had or ever opened an account with this company. I am disputing their 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 wet signed 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 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
Product: Mortgage

I do not understand how my mortgage payoff is {$100000.00} more than the original loan amount
Product: Debt collection

Im requesting that the collection agency.Please send me the original contract with my signatureI want the terms and conditions of the credit card account..I want the account History all statements. I have contacted the Attorney General.I will contact the XXXX XXXX XXXX Commission on Financial Regulation Debt Collection licensing debtI will be filing a federal lawsuitIf the information isnt sent to me in 30 daysThis company is very manipulative and full of deception.I will pay for the lawsuit to be removed from the District Court to US District CourtThey are in violation of the FCRA and FDPCA.Which is grounds for a Federal lawsuit I have disputed this before about 2 times The credit card company never gave an pandemic relief or care act reliefSo Im going to take the credit card company credit one and the collection agency to Court soon.I will bring up in federal court that I have disputed the account and they did nothing to acceptThey didnt properly investigate and verify my account..
Product: Debt collection

They call close to 8 times per day after missing XXXX payment.
Product: Credit card or prepaid card

On XX/XX/XXXX, by phone I reported my card as lost/stolen to USBank Reliacard, and XXXX and was told by USBank that they would deactivate the card and send me a replacement. They sent the replacement card, but did not deactivate the account. Instead, whoever stole the card was able to contact USBank and change the phone number and pin. The thief was then able to drain our account over {$4100.00} using various ATMs. They did this from XX/XX/XXXX to XX/XX/XXXX. We submitted a fraud/dispute of charges on XX/XX/XXXX. On XX/XX/XXXX we received a notice of denial of our dispute. When we called in to find out the reason for the denial, we were then told that the denial we had was not for our card -- and was for a claim for over {$11000.00}. XXXX from USBank told us that the denial had the wrong card number on it and we should disregard the denial. I called again on XXXX, and XXXX told me that they were still reviewing/investigating but no denial had been issued and it would be approximately 45 days before a decision would be made. Then, I called today ( XXXX ) and was told that they had again denied our claim on XX/XX/XXXX BEFORE we spoke with XXXX. 

On XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX I requested they send me the document used to determine the denial of my claim. I STILL do not have any documents although I have been assured they were mailed on each of those occasions. On each of those occasions I have been told our claim is for {$11000.00} when our claim is for approximately {$4200.00}. When I ask if I can speak with the Prepaid Dispute Resolution people who are denying my claim, I am told that no one can talk to them or call them. One can only fax them which I have done repeatedly and received NO RESPONSE. 

USBank also allowed the thief to change the phone number and pin associated with my card. When I called in on XX/XX/XXXX to find out the status of my card, my cell phone number was no longer associated with the card, and my pin no longer worked. I did not make those changes to my profile, so the thief must have done it with USBanks help and cooperation. 

As a consumer, I followed all directions and reported the card lost/stolen immediately upon discovering that the card was missing. I requested USBank to deactivate the card on XX/XX/XXXX. Apparently that did not happen. Instead, USBank changed the phone number on my card as well as the pin thus allowing the thief to abscond with my money. As a direct result of USBanks negligence, I have had over {$4200.00} stolen from me. 

I have been hounding USBank to help me with this situation. I am met with being told that there is nothing USBank can do. Only the Prepaid Dispute Resolution department can help me but there is no effective way to reach that department. I am frustrated beyond belief.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX REFUSES to accurately report to Transunion regarding regarding my car loan installment account # XXXXthat was paid off on XX/XX/2019. 
I want legally reported FCRA on Transunion " PAID/pays as agreed.
Product: Checking or savings account

Im not sure of all the dates, they closed my account. However I do know it was during the year of XXXX between XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple disputes, XXXX continues to willfully and wantonly violate the FCRA by refusing to report to every CRA that my account is DISPUTED BY CONSUMER and CLOSED BY CONSUMER. Moreover, XXXX has failed to timely report payments including my payment of {$100.00} received on XX/XX/XXXXXXXX22. Failing to comply with the requirements to report accurate and complete data and to mark my account as CLOSED and DISPUTED constitutes 3 separate willful violations entitling me to {$3000.00} in statutory damages. On XX/XX/XXXX/22, XXXX wrote stating We understand that you believe the bank is inaccurately reportingto the credit bureaus and you believe that the card should be reporting as closed per your request on or about XXXX4/22Lastly, during your XXXX/XXXX/22 call you requested to close the card. As a result, our agent restricted the cardhoweverthe account will not close until the balance is paid in full. I diligently made multiple demands to close my disputed account but XXXX has illegally refused to meet its obligation to report to every CRA documenting my account as both Closed and Disputed. Clearly, I closed my account, before the normal XX/XX/XXXX22 CRA dates but XXXX knows its obligations to report my account as closed and disputed but it nonetheless intentionally violated its statutory obligations. Attached are excepts from my XXXX and Equifax reports of XX/XX/XXXX and XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, I entered into a consumer transaction with TITLEMAX. On XXXX, I sent a cease and desist notice, TITLEMAX has failed to acknowledge. On XX/XX/2021, TITLEMAX STOLE MY VEHICLE. TITLEMAX HAVE FAILED TO NOTIFY ME IN WRITING. While looking over my contract, I see TITLEMAX has violated several laws. 
Please see attach letter for violations. 

TITLEMAX has stole my vehicle. Taking possession of something you do not own is thief. Having a lien of a vehicle does not mean you own it. TITLEMAX allow a XXXX ( third party ) to come and get my vehicle. This is a violation ; the XXXX ( third party ) was not their to witness the contract and is not apart of the contract. I want to know how did the XXXX ( third party ) get my address, location, and I did not give the XXXX permission to take my vehicle. This is an infringe of my right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. BANKRUPTCY CHAPER XXXX - DISMISSED with REF # XXXX Filed on XX/XX/XXXX with a amount of {$0.00} COURT - XXXX XXXX XXXX XXXX XXXX 2. BANKRUPTCY CHAPER XXXX - DISMISSED with REF # XXXX Filed on XX/XX/XXXX with a amount of {$0.00} COURT - XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1800.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX XXXXXXXX Balance : {$7800.00} ; XXXX Balance : {$680.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX