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

This is regarding CFPB complaint XXXX. Due to be Barclay 's negligence and incorrect reporting in accordance with FCRA regulations, I have moved forward with getting an attorney to sue your company. Your response to the aforementioned complaint was that you sold the account and then repurchased it due to it being out of the statute of limitations according to the third-party vendor. The complaint in itself was to make you aware that it was obvious that this debt is uncollectible due to the statute of limitations, and you still have a balance of {$1100.00} reporting on a closed account that has been uncollectible since XXXX. In your complaint you stated that in XXXX, the account was recalled. Even still, the statute of limitations is 4 years in the state of Texas, and you are still reporting inaccurate data and trying to collect this alleged debt. This complaint is to make your XXXX aware that I will be seeking litigation due to your clear and obvious gross misconduct. Furthermore, there was never notice sent to me years ago that this account was being sold. I never received a 1099c form which is illegal, and I was informed be the IRS to file form 3949a for illegal tax violations. The following account XXXX should be removed from my credit report IMMEDIATELY. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617 and I will be moving forward with the filing of form XXXX  as advised.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have been attempting to get a loan modification ( either in-house or through the XXXX ) on my mortgage loan since XXXX. My loan was originated with XXXX back in XXXX. Of course, XXXX took over the loan and began to service it. I requested a loan mod with XXXX in XXXX after I lost my job. They told me that I would not qualify for a loan mod because I would not meet the income requirements due to the fact that I was out of work. They suggested and I agreed to allow they to place me in a loan forebearance program. They stated that I could apply for the XXXX loan mod once I was back to work. I went back to work in XXXX after being out of work for 10 months. So I contacted XXXX to request a loan mod. They sent the paperwork to fill out. I completed the paperwork and sent it back. They would repeatedly send me change Asset Managers on me where I would restart the process. They finally sent me a letter stating that I did not qualify for the XXXX because my investor was not participating in XXXX. I requested that they send me documentation for my investor. They sent a letter stating that XXXX was my investor. I contacted XXXX about my loan and they stated that they were not the investor on the loan but the trustee for the security that my loan was in. When I asked who owned the security, they verbally stated that XXXX owned the security. In XXXX XXXX, while in the process of sending in another set of documents stating that they would be transferring my loan over to Bayview Loan Servicing , LLC . So in XXXX XXXX, I contacted Bayview to request a loan mod. They sent the paperwork. I completed it and sent it back. They are telling me that my investor has not given them authorization to modify the loan ( in-house or through HAMP ). They stated that I would be able to do a short sale, deed in lieu of foreclosure, or bring the loan current. I am not in a position to bring the loan current. I know that XXXX ( if they are indeed my investor ) is participating in XXXX. I am really frustrated with this unethical behavior of XXXX and Bayview. I believe that they are lying about what options are truly available to me. I need help to stay in my house.
Product: Debt collection

I was never notified that the alleged debt was going to be written off. The company is reporting inaccuracy payment history. If the debt is written off which means it was cancelled the company can not continue to collect on a debt that was written off. When a debt is written off/cancelled a 1099C form is to be filed with the IRS letting them know the debt is written off. I have not received any letter stating that this debt was written off nor have I received the debtors copy of 1099C. The company does not have my permission to sell the debt either if the allegedly have written/cancelled it. If this matter can not be resolved I will be contacting the IRS for failure to properly report that the debt was written off. I will also be making a report to the XXXX  XXXX police debt for fraud.
Product: Credit card or prepaid card

I have been a customer for over 25 years with multiple Citi credit cards and limits for those cards of up to over {$20000.00}. All cards were always paid full and on time automatically. All of a sudden all my Citi cards were canceled without warning and reason, throwing decades of payment arrangements into disarray. I have spent hours trying to get an explanation and have still not been given one. Unbelievable.
Product: Debt collection

I moved out of the apartment complex XXXX XXXX in XXXX of this year. They charged me XXXX when I moved out for termination fees. I paid the full amount of this on XX/XX/XXXX through their website. About a month and a half later, a collection agency contacts me saying I still owe this amount. I explained that it has already been paid to XXXX and also sent them a letter but they continue to call and send me bills threatening to damage my credit score if I don't pay. I need help dealing with these people.
Product: Credit card or prepaid card

About three months ago XXXX XXXX XXXX called me and stated that I owed them a balance on this Credit Card for XXXX XXXX XXXX. I stated that I dont have an account with this company. He asked me questions about the purchased items on the card which were to gaming stores. I told him I have never purchased these items. He then told meet I must have the person. Then about a week ago, another man called me about the same account, he was demanding payment so I went through the whole story again. I requested documents showing this information and sent a statement and a letter. The only thing that I can see is my name, the address is wrong it is stating I live in XXXX, I have never lived in XXXX. The one document that you need to see is the original application, which they did not send.
Product: Checking or savings account

Capital One has unilaterally decided to close the banking relationship that I have had with them for over 15 years. They are currently holding funds that I have hostage with no date on which they will release and no communication has to provided to me with the date or way of sending the funds. In addition, they are charging me phantom maintenance fees that I have never been charged before.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. D
Product: Debt collection

Received a call requesting payment for XXXX XXXX. I asked for verification of debt, was directed to a website that only had my name, the debt amount, and creditor info. No explanation of charges, no proof of validity. XX/XX/2022
Product: Credit reporting or other personal consumer reports

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

mislending information on credit report
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I had my car voluntarily repossessed due to the engine being bad, as I was sold a vehicle with a bad engine and was unaware of this issue. I have a balance of XXXX. This was reporting accurately up until XXXX of XXXX. As of XXXX of XXXX, it is reflecting that my car was voluntarily repossessed in XXXX of XXXX and that I have a balance of {$11000.00}. I have disputed this repeatedly through the credit bureaus, and my dispute has been closed repeatedly with no investigation. I have spoken with the original creditor ( XXXX XXXX ) who has advised me that they are unsure why the credit bureaus are reporting this inaccurate information, and that they never heard from the credit bureaus regarding the investigation. I have disputed it multiple times, and they have closed it with XXXX investigation multiple times. My last time disputing this was in XXXX of XXXX with all XXXX credit bureaus. 
Additionally, experian is the only one who sent me my results via mail, and I believe it XXXX have exceeded 30 days as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently purchased a car from a dealership. I went with a preapproval letter from XXXX XXXX with the intent of getting a loan from that credit provider. At no point did I authorize any other bank to run a credit inquiry. I did authorize the dealership to run my credit once on X/X/17, because they told me that I had to in order to purchase the car. Unfortunately the car dealership proceeded to allow several banks to run my credit resulting in over a 60 point drop in my credit score. The dealership told me that it would only be counted as one hard inquiry since it was within 14 days, but XXXX stated that in fact is not the case. Nothing else has changed on my ( XXXX ) credit report since my credit pulled a little over a week ago. As I plan on purchasing a new house within the next year, I am unable to wait for all of these inquiries to fall off of my credit report. So far I have contacted GM Financial who said that they would not be able to provide a letter for me to submit to the credit bureaus to have this inquiry removed. They stated that they got permission from the car dealership to run my credit and would not be able to assist me in removing this from my credit report. I did not authorize the car dealership to allow GM Financial to run my credit. Other banks that have run my credit without my authorization include : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GM financial, and XXXX XXXX via XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRIAD FINANCIAL SERVICES and XXXX regarding their practices which I believe are in violation of my consumer rights. Specifically, I am addressing the handling of account # XXXX, which I contend is a certificate of indebtedness and must be rectified immediately. On XX/XX/year>, I noticed that TRIAD FINANCIAL SERVICES continues to report the aforementioned account on my credit report. The account in question has been inaccurately categorized, leading to significant negative impacts on my creditworthiness and financial standing. I assert that the account # XXXX is indeed a certificate of indebtedness, and it should be treated as such. I demand that TRIAD FINANCIAL SERVICES promptly rectify this misrepresentation and REMOVE THIS ACCOUNT FROM MY CREDIT REPORT '' Furthermore, I am deeply concerned about the potential violation of my consumer rights in this matter. It is my understanding that as a consumer, I am entitled to accurate and fair reporting of my financial obligations. However, the actions of TRIAD FINANCIAL SERVICES and XXXX have resulted in a misrepresentation of my financial situation, which I believe constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action to ensure that TRIAD FINANCIAL SERVICES complies with all relevant consumer protection laws and regulations. I request that the Bureau intervene to rectify the inaccuracies on my credit report and hold TRIAD FINANCIAL SERVICES and XXXX accountable for any violations of my consumer rights. Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution. 

I want to emphasize that a charge off is considered a certificate of indebtedness which means it is income and must be removed. I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service ( IRS ) regulations. According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In light of this information, I kindly request your assistance in reviewing the status of this account. 

Sincerely, XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

On XX/XX/year> i checked my credit report and experian removed 3 accounts that was inaccurate XXXX XXXX has two accounts and XXXXXXXX XXXX, Transunion decided instead of removing to close the account which is inaccurate. All XXXX credit bureaus reporting should be the exact same, these collections was proved to be inaccurate so transunion should be removing them not closing the accounts. I also have trouble disputing anything on the website with transunion, this is my credit report and i should have full access online to dispute inaccuracies. Please remove the following XXXX XXXX XXXX ( 2 ACCOUNTS ) AND XXXXXXXX XXXX ACCORDING TO fair credit reporting if you can not provide me with the proof i requested which is the original contract with my signature and or the description on how you found this accurate i am demanding removal and not closed accounts.
Product: Credit reporting or other personal consumer reports

N accourdance with The Fair Credit Reporting Act XXXX # XXXX has violated my rights. 15 USC 1681 section 602 ( a ) states i have the right to privacy. 15 USC 1681 section ( a ) It also states a consumer report agency can not furnish a account without written instructions.
Product: Debt collection

This company which I hold no contractual agreement with no have received services from has opened a collection against my SSN and have reported to the credit agencies that I owe a debt of {$990.00}. They have reported used XXXX XXXX and XXXX to damage my credit. 

Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party who you claim to have received services which has caused for you to seek a debt to be paid and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Considering there is no contractual agreement Nor have I received services from this company I am not binding nor obligated to pay any debt. 


I request that your services remove these infrastructions from my SSN. 
I demand this company remove the negative inquiries from my SSN from any credit agencies included but not limited to XXXX XXXX and XXXX I also request that my information be moved from this company 's data base.
Product: Debt collection

On XX/XX/XXXX, I had a life altering XXXX XXXX XXXX when the hood of XXXX XXXX XXXX XXXX truck came down on me in the XXXX. I have been on XXXX XXXX ever since and recently had a very XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  where I notified the company of the injury and requested that someone take me to the Hospital the company uses for on-the-job injuries. 

The Hospital XXXX took me to was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This was an on-the-job injury and has been treated as such since I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The Hospital was furnished with my XXXX XXXX XXXX XXXX  information ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ) and XXXX claim number ( XXXX ) multiple times under the assumption that my employer would pay for my medical treatment at the hospital they sent me to as they have paid for everything else in an attempt to get me better. 

On XX/XX/20XXXX XXXX XXXX XXXX  a collection agency ( XXXX ), reached out to me stating that I owed {$430.00} for a medical procedure done on the XXXX of XX/XX/2024 at XXXX XXXX XXXX. I have notified XXXX XXXX XXXX that this is a Workmans Comp. injury and provided the company 's information again and again to get this bill paid multiple times. I have now also provided the collection agency with this information twice on XX/XX/XXXX and the XXXXXXXX XXXX. I have also notified my Workmans Comp. Adjuster twice in writing ( XX/XX/XXXX and the XXXXXXXX XXXX  ) that I am being turned over to collections for a medical bill relating to treatment of my injury. I asked my Workmans Comp. adjuster twice if this bill was even paid so that I can fight this collection action. I have yet to receive a response from her and probably will not making this impossible to fight or understand without the company 's cooperation. I need to know if the company paid this to even know where I stand. The adjuster is not giving me any information about this bill which is now affecting my credit. It seems silly to obtain legal counsel for a {$400.00} bill because my adjuster does not feel compelled to be helpful in the least bit. I do not know what else to do. Without her cooperation, I am completely in the dark about this bill which is affecting my credit and is unequivocally the companys responsibility to pay.
Product: Debt collection

I received a letter from F.H. Cann & Associates claiming I owe {$3300.00}. I think they have been calling according to my wife, whom as asked them to stop on numerous occasions
Product: Student loan

My loan was put into forbearance for reasons unknown and I can not figure out why or get out of it. I already enrolled in a payment plan and autodebit.
Product: Credit reporting or other personal consumer reports

This morning, I discovered that incorrect accounts have appeared on my credit report, and I have no idea how they got there. When I reviewed my report, as I regularly do, I noticed unexpected discrepancies. I even refreshed my browser, hoping it was just a technical glitch, but the errors remained. Given this situation, I request a thorough review of the documents I have provided so I can put this concern behind me.
Product: Credit reporting or other personal consumer reports

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be.

available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters.

from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action against you.