23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Upon receiving a notification of an attempt to collect this debt ( which is invalid ), I wrote a letter within the 30 day time period to the collector ( Central Credit Services LLC ) and sent it certified mail to confirm receipt to indicate this debt was not valid, including that I had detailed notes of my conversations with the original creditor. Within the letter sent to me, it clearly states the following : " If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. '' Months later after never receiving any notification, I noticed when doing a refinance of my mortgage that the collections company had reported this debt to my credit report. When I contacted them to ask about this, the first individual acknowledged that they should have sent me a letter and that it should not have been reported based on that letter. The manager ( XXXX XXXX ) then stated that it was done properly, and that despite the fact that the letter clearly states that " their office '' will furnish a copy of that letter to me, that it was the creditor 's responsibility. I never received any notifications from either, but the main point for purposes of this case is that the debt collector is ultimately responsible for providing that copy in accordance with their letter ( and I presume legally ), and they did not. This complaint is being filed due to the amount of time and energy I have had to spend fighting this inaccurate collection and their violation of procedure, with the net result being the damage to my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I applied for a HARP loan with Bank of America. I was told that my loan was approved, but the day of closing they stated that the loan was denied I have not foreclosed on the home, and Bank of America refuses to assist with turning the water service over to the new owner that purchased the property. This should have been done when the new buyer purchased the home. Bank of America has terrible customer service and I am not sure how anyone does business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft ; Im writing to you to inform you that someone stole my information and opened a credit card under my name. Im requesting you to remove the account from my credit report ASAP. This is a fraudulent account in my credit report. Here are the details. 

XXXX XXXX XXXX XXXX XXXXXX/XX/2022 2022
Product: Debt collection

Back in XXXX XXXX I was involved in a major car accident that resulted in serious medical attention, all of this was ruled in my favor as NOT AT FAULT. 

XX/XX/XXXX, XXXX I filed a lawsuit with XXXX XXXX XXXX to make sure all of he medical bills where paid. 

My lawyer has stated that a Power of Attorney letter was sent to all medical personnel to protect me from this debt. I have had called the creditor many of times to let them know that the bill was to be sent to my lawyer. To this day no bill was ever been received by myself or my lawyer. I get this notification that a {$210.00} debt was placed on my credit reports, seriously damaging my scores over a debt that is legally being litigated. The original creditor XXXX XXXX made notes months ago and promised me because I had a power of attorney that this debt would not be turned over to a collection. 


XX/XX/XXXX, XXXX XXXX XXXX sent the debt that is out of my hands to a collection bureau and seriously damaging my credit scores. I have tried to address the situation with both companies ( collections, creditor ) and they both refuse to do anything my case.
Product: Credit card or prepaid card

Hi, I have a close Capital One Card starting with XXXX that was opened in XX/XX/XXXX. I had a 30-day late payment of only around {$150.00} but forgot to pay it by 2 days. I called and apologized and asked that it not be reported as a late payment. Capital One still reported it in XX/XX/XXXX. I have been trying to get this removed for the last 4 years with no success. I have 2 other cards with Capital One with limits of {$22000.00} that were opened in XX/XX/XXXX and another with a {$4500.00} limit opened in XX/XX/XXXX. Both have never been late. The late on the original was a fluke started using autopay after that incident but Capital One won't remove the late reporting. It's only XXXX which is the most check report by lenders, and has affected my getting proper credit. I have talked to numerous people and written the letters explaining everything and pretty much begging to take it off XXXX 's report, but they won't. Is there anything you can do to help?
Product: Money transfer, virtual currency, or money service

I am the victim of identify theft, which I reported the theft of my social security number and personal info to the FTC on XX/XX/2021. The thief opened an account at Robinhood. Robinhood is the subject of this complaint. I began notifying Robinhood on XX/XX/2021 -- a week ago -- that a criminal identity thief used my stolen information to create an account on the platform. I've sent emails to various departments at the company over the last seven days. Not once have they responded with substantive information. Meanwhile, a criminal is on the platform using my personal information to make trades. The account is linked to various fraudulent bank accounts. I can not access the account, Robinhood will not shut it down or even respond to me. There is no phone number for Robinhood. I went as far as to create a different Robinhood account to find a customer service number. The person on the phone refused to help, wouldn't let me speak, and hung up on me. I have no idea how else to stop the criminal ID theif from continuing to use the Robinhood platform -- with the company 's consent at this point -- from using the account. Robinhood has an utter disregard for criminal activity on the platform. The company refuses to assist a law-abiding person in protecting her name and identity from criminal misuse. In short, this company is aware of and complicit in criminal activity occurring on the platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX.

3 XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX 8. XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were transferred from XXXX to XXXX and some credit bureaus were counting the loans twice on my debt to income ratio. XXXX and XXXX corrected this mistake but Experian has not. 

I opened the account dispute on XXXX XXXX, XXXX and Experian completed its dispute on XXXX XXXX, XXXX. 

The amount of the account is {$42000.00} from XXXX XXXX XXXX XXXX
Product: Debt collection

During the pandemic, our household finances were negatively impacted by job loss. Unfortunately, we defaulted on a credit card causing it to go into collections with Midland Credit Management. Midland made attempts to collect from me using an address I have never resided at. This led to them taking me to court to garnish my wages. I didn't learn of any of this until the first garnishment from my paycheck was made. 

In XXXX of XXXX, the last garnishment payment was made. To this date ( XX/XX/year> ), Midland has not claimed the funds from the court. Additionally, they continue to add monthly service fees to the account and will report the account as an open collection to all 3 credit bureaus. 

I have called many times and have been told to " just wait ''. No one you speak to has any idea of how their processes work nor do they care that their abysmal business practices are impacting peoples ' lives. You can only speak to someone in their call center in XXXX, which explains why they have no idea what laws apply to US consumers.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$810.00} ; XXXX XX/XX/XXXX.
Product: Debt collection

My Name is XXXX XXXX. My father ( XXXX XXXX ) is helping me with this letter. Beginning in mid XXXX I developed XXXX. Both XXXX XXXX  XXXX, and XXXX  XXXX which prevented me from returning to XXXX XXXX University in Arizona. I am working with my doctor to find a medication that will allow me a normal life. But upon leaving XXXX they sent me a {$550.00} bill with no breakdown of what the fee was for. 

I sent them the following correspondence. 

RE ; XXXX XX/XX/XXXX To Whom It May Concern : I dispute the validity of this debt. XXXX XXXX University ( XXXX ) automatically enrolled me without explaining the significance, or expense of not returning to XXXX. 
Please send me my written contract making me liable for this specific charge, ************************ They send me my initial enrollment package with no explanation of the details of this bill. 

XXXX assigned it to RMS Collection. RMS was given a 3rd party authorization to speak to my parents. They refused. They refused to send me a breakdown of the charges. 

I did not want to have this {$550.00} collections hit my credit report and there was nothing I could do.. I had to pay it. But I still do not know what it was for. 

The balance was paid. 

But I would like specific details why I am being billed {$550.00}, and a specific complaint against XXXX XXXX ( Employee of RMS -  Recovery Management Services )
Product: Debt collection

Sunrise Credit Services Inc. states I owe XXXX {$110.00}. I have never had XXXX and do not owe this debt. I had XXXX Internet and XXXX through XXXX which I paid on time and do not any money to. I called XXXX at least ten different times to question what they are erroneously charging me and I kept on being transferred to XXXX stating claiming that I owe XXXX for XXXX. In fact, I had credit with XXXX and do not owe {$110.00} to XXXX or XXXX at all. None of my attempts with XXXX were ever resolved and ended in calls being disconnected, being on hold for over an hour and being transferred numerous times without the charges being dropped as promised by an XXXX representative. I was told the charges would be dropped and to call back the following week to see that the charges were cleared and it ended up in going to a debt collector. Please Help since Sunrise Credit Services nor XXXX is willing to resolve the issue which is affecting my credit. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a request form to annual credit report via postal service and I also certified mail to ensure they received my request. Only XXXX  responded within the 15 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> TransUnion LLC, Subject : TransUnion Complaint Regarding Violation of 15 U.S. Code 1681a Dear TransUnion Customer Service, I am writing to formally express my outrage and dissatisfaction regarding your blatant violation of 15 U.S. Code 1681a, which defines important terms and responsibilities for consumer reporting agencies like yours. 

As you are undoubtedly aware, the Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies provide accurate and fair information about consumers. The definition of a " consumer report '' clearly states that any communication of information regarding a consumers creditworthiness must be used appropriately and ethically. However, it has come to my attention that TransUnion has failed to uphold these standards, impacting my credit report and subsequently my financial standing. 

The inaccuracies in my credit report, which I have previously brought to your attention, are not just mere clerical errors. They reflect a serious disregard for the responsibilities outlined in Section 1681a. Such negligence is not only unacceptable but also potentially damaging to my creditworthiness and personal reputation. The consequences of these inaccuracies extend beyond mere inconvenience ; they affect my ability to secure loans, obtain housing, and manage my finances effectively. 

I demand immediate corrective action to rectify the erroneous information in my credit report. Additionally, I expect a written explanation outlining the steps you will take to ensure that such violations do not occur in the future. Failure to address this issue promptly will leave me with no choice but to pursue all legal remedies. 

I expect a response within 5 days of this letter. This situation requires urgent attention, and I trust that you will handle this matter with the seriousness it deserves.
Product: Checking or savings account

On the XXXX XXXX XXXX XXXX around XXXXXXXX XXXX XXXX  XXXX experienced a national wide outage or internet errors, at that time i was transfering my money from my XXXX XXXX  XXXX XXXXhecking account to a linked savings account at an online banking company called SoFi , due to the internet. The money being transfered initially was XXXX, XXXX grands, which is all my balance at XXXX XXXX XXXX checking account, but the XXXX XXXX XXXX system was glitching and the money didnt appear to go through at XX/XX/XXXX around XXXX. However, i didnt know that XXXX XXXX  XXXX was having internet issues so that i did the same money-transfer action again for totally 3 times, 2 times on XX/XX/XXXX and XXXX time on the XXXX, However, after 2 days my XXXX XXXX XXXX XXXXXXXX account was showing a negative balance around XXXX grands. So the actions i did at XXXX XX/XX/XXXX and XXXX were all effective but i didn't know. The XXXX goes to my sofi and it was soon being denied and reversed. Soon my sofi checking and savings account were restricted and Sofi wished me to dial them for more information, which i did, XXXX, in the following 2 weeks. However, all the responses i got was telling me to keep waiting for information, i just contacted with them last night and the telephone operator was telling me that their security team wasn't following up my escalation request that filed 1-2 weeks ago, which was quite frustrating. I had provided every pieces of information they required for potential inspections.
Product: Debt collection

I am writing to express my profound frustration and disappointment regarding the continued presence of fraudulent accounts on my credit report, which have not been adequately addressed despite multiple previous disputes. It is with great annoyance that I must once again bring to your attention the following fraudulent accounts that persistently tarnish my credit history : XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX PLEASE DELETE!!! 
These fraudulent accounts were reported without my consent and have caused severe damage to my financial standing. Despite my numerous attempts to dispute and have them removed from my credit report, your bureau has failed to investigate and rectify this issue adequately. 
It is astonishing that despite the overwhelming evidence provided, your bureau continues to overlook the severity of this matter and has failed to carry out its responsibility to maintain accurate and fair credit reporting. The continued presence of these fraudulent accounts is not only damaging my creditworthiness but also causing significant emotional distress and inconvenience.
Product: Mortgage

My mortgage ( started as a construction loan turned permanent mortgage ) still had almost {$35000.00} left in a final draw when the mortgage was sold to XXXX, serviced by Fay Loan Servicing on XX/XX/year>. Fay will not acknowledge they are in possession of that final draw let alone give a process for receiving it. They also claim my loan transferred to them with over {$800.00} in late fees due. I have spoken with my previous bank and they provided me with documentation verifying this was inaccurate which I sent to Fay, as well as my previous bank has confirmed they have sent over all supporting documentation regarding the draw and the erroneous fees. I have been calling Fay for the last 4 months and they will not fix the fees nor will they acknowledge the draw. They will not provide me with a point of contact for these issues but only will take my questions and send them to be investigated promising me a call back with answers, they never respond back. They have refused to deal via email, stating its against their company policy.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Chase Bank XXXX XXXX XXXX ONLINE APPLICATION on XXXX/XXXX/XXXX ; per email response additional information would be requested or additional review was to be completed within 30 days. 

Never received letter of denial or additional review from Chase. 

I called Chase today and after 30 minutes on the phone, I was told that the application based on the fact that no card was issued. They are able to provide additional information since it was already archived. 

I want Chase to reverse the credit report ding since they not meet the timely communication and/or approved my application.
Product: Credit reporting or other personal consumer reports

I reached out to this company multiple times asking if they can please provide me with accurate information validating the debt, which they did not provide, but the credit company is still verifying this debt as mine, which it is not I did not sign a contract with this company. I also asked if they can show me proof regarding this contract with the company and they can not provide it, and I noticed that you guys sued Experian and a couple of the credit agencies for not accurately investigating! I would like to inform you that they are inaccurately investigating items on my credit file! I made a dispute with them and XXXX to XXXX days later they say its verified!
Product: Credit reporting or other personal consumer reports

I called Nelnet and informed them that I had recently filed an IRS Tax form 1099c for the cancellation of my student loan debt which has since been accepted. After informing Nelnet of this acceptance, I then proceeded to ask the supervisor to update my account and credit report to the appropriate status ( closed with a status of " settled '' ) in which Neltnet responded that they no longer honor tax form 1099c and she was unable to help. She suggested that I emailed in corresponding documents, which i have done, yet Neltnet has failed to correct my account status.

26 U.S.C. 61 ( a ) ( 12 ) establishes that income includes any discharge of indebtedness, meaning when a creditor forgives or cancels a debt, the forgiven amount is generally treated as taxable income. Once a debt is canceled and reported on Form 1099-C, it signifies that the creditor has officially written off the debt for tax purposes. Under the Fair Credit Reporting Act ( FCRA ) and guidance from the Consumer Financial Protection Bureau ( CFPB ), creditors and debt collectors should not continue reporting a canceled debt as delinquent, as it no longer legally exists as an enforceable obligation. Continuing to report a discharged debt as due or collectible may constitute inaccurate credit reporting, which could be grounds for a dispute or legal action.