23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX : {$61.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX {$480.00} XXXX. XXXX Account Number : XXXXXXXX XXXX : {$510.00} XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX : {$1800.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Debt collection

I was out of work for about 4-5 months after we had a suicide in our family. An account was compromised, we have an enormous amount of grief regarding a young family member and One Main Financial repeatedly calls me all day long thru different numbers! It has added to my already increased stress level and I want it to stop as I head back to work and figure out how to pay them off. I lived off what I had made in the previous months. I have a daughter in therapy due to XXXX XXXX XXXXy over the event and am headed to therapy myself. I am sick of the ROBO calls. I advise anyone never use them for a home improvement loan or any type of loan. You will regret it. When I get out of this debt to them : I will be an advocate of why not to incur this type of debt. It's just not worth it.
Product: Mortgage

Servicing of the mortgage transferred from XXXX to Rushmore effective XXXX XXXX, 2022. As of XXXX XXXX, 2022, borrower had not been informed of the servicign transfer so borrower made a regular monthly payment of {$540.00} to XXXX. XXXX put that payment into suspense, then on XXXX XXXX, 2022 XXXX transferred that payment to Rushmore. Rushmore did not apply that payment to the loan account, but instead applied it to the escrow account. There was no justification for Rushmore to apply this payment to the escrow account which was not short. The wrongful application of this payment put the loan into default and triggered the imposition of late fees and letters from Rushmore to the borrower wrongfully asserting that the loan was in default.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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: Credit card or prepaid card

I opened a XXXX XXXX credit card with Bank of America in XXXX XXXX, which I 've never used. The card has a annual fee of {$20.00}. Between XXXX XXXX and XXXX XXXX I moved apartments, my official move in date was XXXX XXXX, XXXX. From XXXX XXXX XXXX Bank of America sent annual fee statements to the incorrect address. Finally, once I noticed the late payment on my credit report I contacted BOA and updated my address and immediately made a payment. I was originally told there should not be an issue getting this removed, but I 've made countless attempts to dispute this both through BOA and the credit bureaus to no avail. About 1-2 months ago I was told by a BOA representative that there was nothing they could do about this and I needed to directly contact each credit bureau. After speaking to a customer service rep at one of the credit bureaus I was notified that I should have never been directed to them and this is an issue that needs to be handled thru BOA. After several disputes, including one through XXXX which has an option to dispute via XXXX XXXX for statement sent to incorrect address please remove late payment, the only thing BOA continues to do is verify that the late payment is correct and no removal is made.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a 609 letter the the 3 main credit bureaus ( XXXX, Equifax & XXXX ) and didn't not receive an reply. Its been over 30 days and still haven't received anything nor got any updates.
Product: Debt collection

I have sent two affidavits DEMANDING that they Verify the debt that I allegedly owe them. They CLAIMED they did but it wasn't done properly Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via an affidavit of fact under penalty of perjury ; I DO NOT CONSENT TO ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION METHOD.

and if they can't, they must CLOSE the account and IMMEDIATE REMOVAL OF THE NEGATIVE REMARKS they've made against me on my credit report pursuant to THE FAIR CREDIT REPORTING ACT 15 U.S. CODE 1681 1681i.

Unauthorized Use Pursuant to 15 U.S. CODE 1602 ( p )
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX that ends in account number XXXX is Fraudulent and has been reporting on my reports for the past 6 years. 

I have zero knowledge of this account and I even spoke with a representative from XXXX and informed them of this fraudulent information. 

Multiple violations and inconsistencies is showing on my reports and according to 15 USC 1681s-2 ( a ) ( 1 ) ( a ) states this information needs to be accurate, and 15 USC 1681c-2 states the information of any Fraudulent account needs to be blocked in 4 business days. 

Experian and XXXX must remove this account from my reports immediately.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Federal Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses, and failing to notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am aware that, in spite of the precise data that customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly.

Everyone can use the accessible software that I used to write and generate my letters. Should you decide not to respond to or handle my correspondence, you are in violation of 15 U.S. Code 5 1681i. Furthermore, it is illegal to postpone answering customer letters on the grounds that help from a third party might be possible. There isn't a legal exemption to this. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.

Heres the list of the questionable items : XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX  {$240.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX Charge-off {$0.00} XXXX XXXX XXXX XXXXXXXX Charge-off {$10000.00} XXXX XXXX Charge-off {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On receview of my credit report, I noticed unfamiliar companies requesting copies of my credit report. 
These companies are : XXXX XXXX  XX/XX/XXXX Capital on Finance XX/XX/XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I received a credit card statement with two fraudulent transactions made on XX/XX/2019 for a total of {$270.00} by " XXXX XXXX XXXX GA '' and " XXXX XXXX OH '' and I haven't used my card since XX/XX/2019. 
I called customer service XXXX on XX/XX/2019 to report it and they gave me a Reference # XXXX where they told me that I will receive an answer on 7-10 days and that they can't cancel the account until the case is solved but I didn't receive any answer. 
I called back today XX/XX/2019 for an update on the fraud committed and the customer service at the fraud department told me that this fraud was sent to be " disputed '' not to be treated as a fraud. Now, this fraud is starting to be investigated and I ask to cancel this account because I do not want to be impacted by any other fraud-related transaction. 
This is the second fraud situation that I am facing in the last 4 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX  XXXX Balance : {$160.00} ; XXXX XXXX  XXXX Balance : {$160.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX  XXXX Balance : {$970.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX  XXXX XXXX, NC XXXX
Product: Credit reporting

A year ago I filed Bankruptcy. All of my debt was discharged trough it in 2015. 

Back in XXXX I checked my credit report to make sure that there was no more debt. I noticed that the reports showed {$0.00} balance on the accounts but that the accounts were still opened.I disputed the status of the accounts and both XXXX and XXXX corrected the status to show as closed but Trans Union did not. 

After receiving the results dated XXXX XXXX from Trans Union, the accounts still showed as open. I then re-disputed the accounts and waited for more results. As of today, my credit monitoring service shows Trans Union still reporting them as open. 

I know that what Trans Union is doing is illegal. They are supposed to investigate the accounts and correct and update them. How can they update an account as open if it is included in bankruptcy and they have the records to show Bankruptcy is filed and all the accounts are included in it? That is either laziness or willful negligence. 

Now that they have had XXXX chances to correct my records and have failed to do so, I am imploring you to look into their practices. If this does not get corrected I will be forced to take more drastic measures as I wo n't allow them to misreport my information.
Product: Mortgage

Here is an overview of my ongoing issue with Fay Servicing. 





I filed for XXXX XXXX XXXX XXXX XXXX and here are the situations chronologically that led to this foreclosure. 

( 1 ). On or around XXXX Fay servicing started servicing the '' alleged " loan from XXXX XXXX. The exact time has yet to be determined. 

( XXXX ) XXXX They claimed I was behind, my Bankruptcy case was reopened and they were threatened to be sanctioned by the judge for their errors. 

( XXXX ). Payments were made. However, the account did reflect rearages that were assumed to be from balance pre bankruptcy ( 4 ) payments were made over the next 3 years with no attempt to resolve " Alleged '' Default. 

( XXXX ). XX/XX/XXXX Bankruptcy was Discharged ( 6. ) XX/XX/XXXX Fay servicing refused to accept payment and attempted foreclosure action began ( 7 ). XX/XX/XXXX CFPB was contacted and swift action was taken ( 8 ). They sent me modification papers. I assured them their accounting was off and I was not in financial distress for a modification ( 9 ) A final accounting validation of debt was never confirmed by Fay servicing ( XXXX ) XXXX XXXX My bankruptcy attorney was able to intervene and through their recommendation I was given a stream line offer that was {$800.00} more than my original note. To begin XXXX XXXX XXXX XXXX XXXX  ). I made the payments and After the trial period- Mod Documentation was sent to me for a loan that's 2.5 % higher. That was too much for me to continue to bare I instructed the rep That I need better terms but i will continue to pay. 

( 12 ) The only option given was sign new agreement or foreclosure ( 13 ). Payments for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX payment was Refused. SEE ATTACHED ( 14 ) XX/XX/XXXX received foreclosure complaint - Indicates I haven't made a payment since XX/XX/XXXX SEE ATTACHED In addition to the above referenced situations. I have no record of a mortgage on my credit report which has prevented me from refinancing. It's almost as if I don't exist.
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 Honesty And Confidentiality Under 15 USC 1681. 

XXXX XXXX Acct # XXXX XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX XXXX XXXX  XXXX 15 USC 1681 Section 602 ( a ) I have the right to privacy.

15 USC 1681 Section 604 ( a ) ( 2 ) Consumer reporting agency can not furnish account information without consumers written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately : 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 XXXXXXXX
Product: Debt collection

I shopped with XXXX one day and the salesperson asked me to apply for a credit card with them but I have never received a credit card from the company. I can't remember the date I shopped with XXXXXXXX XXXX and the stuff I shopped with is about {$20.00} the most. I did not receive any credit card billing statements and so I do not know how I suppose to pay the {$20.00} credit. 
I attached a copy of the letter that I received from Radius Global Solutions. The letter says the XXXX XXXX XXXX XXXX authorized Radius Global Solutions to collet this debt on their behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lender continues to report " open '' status on mortgage that was paid off XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I was online and I applied for a XXXX  XXXX XXXX XXXX and I got denied due to a low credit card score. I wondered for days how was this possible if I have always had good credit. I got my credit pulled and saw I was a victim of identity theft. Most of these accounts that were open under my name are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX XXXX  XXXX {$350.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for 1099-C Form Dear NAVY FEDERAL CREDIT UNION I am writing to formally request the issuance of a 1099-C ( Cancellation of Debt ) form for the debt associated with my account number [ insert account number or reference number ]. According to 15 U.S. Code 1635, I understand that I have specific rights regarding the cancellation of debt and the proper documentation associated with such transactions.

As you are aware, a 1099-C form is essential for tax reporting purposes when a debt of {$600.00} or more is canceled or forgiven. I kindly request that you provide me with this form for the tax year [ insert relevant tax year ], as I need to ensure my financial records are accurate and compliant with IRS regulations. 

Please also include any relevant information regarding the cancellation of the debt, including the amount that was canceled and the date of cancellation. 

I appreciate your prompt attention to this request. If you require any further information or documentation from my side to process this request, please let me know. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Student loan

Good afternoon, I have XXXX kids I put thought college, currently my son is still in XXXX, unfortuately my husband passed away in XX/XX/2010. So a few years later i was contacted by Ameri Tech financial and i applied it sounded good and it helped me alot. they took {$99.00} every month out of my checking. But now i'm reading they are out of business and any money i paid has not applied to the student loans. Now I have paid over 2 years worth payments. i would like to file a claim or be advised how to move forward. 

thank you for your time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Product: Debt collection

ARS LLC offered a settlement and agreed to remove the account from my credit report which I accepted and paid. The best was removed. ARS LLC waited two years to add the debt back to my credit report as the balance that was deducted from the original amount by them as art of the settlement. Original debt was from XXXX XXXX XXXX Settled and removed for XXXX. 
ARS new debt reporting from XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXXXXXX XXXX  Account number : XXXX