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

Dear CFPB, I am writing to dispute the reporting of an account by Experian Credit Bureau that is a direct violation of the Fair Credit Reporting Act ( FCRA ) as mandated by Congress. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute any inaccuracies in my credit report. The case of *Morris v. AFS & Associates , Inc.* XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) established that consumers have the ability to challenge the legitimacy of debt accounts that are not accurately reported. In my situation, the charge-off listed on my report does not accurately represent my current obligations. 

Additionally, according to the Fair Credit Reporting Act ( FCRA ), information that is inaccurate, incomplete, or can not be verified must be removed from consumer reports. 

The account in question are XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, account ending in XXXX The account is listed as charged off and in collections on my credit report, which In fact is inaccurate and misleading. 

According to 26 CFR 1.6050P-1, any applicable entity that discharges an indebtedness must file an information return on Form 1099-C with the Internal Revenue Service when certain criteria are met. Specifically, I have enclosed copies of Form 1099-C that were issued to me by the creditor, indicating that the debt associated with these account has been canceled or forgiven and additionally reflecting a zero balance in the section titled : Fair Market Value .The documents 1099c is the physical proof of my claim The issuance of a Form 1099-C is considered prima facie evidence that the debt has been discharged by the creditor, as established in case law such as XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX ) and XXXXXXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX ( App. XXXX ) ). It would be inequitable to allow the creditor to then subsequently attempt to enforce the same debt after receiving the tax benefit of the " charge-off. '' This is illegal and reporting the status as such IS ERRONEOUS. 

Despite the issuance of the Form 1099-C, Experian Credit Bureau continues to report this account as charged off, which is inaccurate and misleading. This reporting is in direct violation of the FCRA, which mandates that credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as stated in 15 U.S. Code 1681e ( b ).

I hereby request that Experian Credit Bureau promptly update its records to reflect that this account has been paid in full and have a balance of {$0.00}, in accordance with the evidence provided by the Form 1099-C. Failure to do so would constitute a violation of the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to complaint submitted to the CFPB : XXXX. This company has failed to provide specific documents and is still within violation of the federal law that governs them as a debt collector. As a natural living person and consumer I am writing in regards to the alleged debt associated with Convergent Outsourcing account number ending in : XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide evidence of a forward flow agreement between your agency and the original creditor, and not merely a bill of sale, to establish the validity and legality of the debt in question. This includes documentation that clearly demonstrates that I have knowingly and willingly entered into a contractual agreement with your agency, outlining the terms and conditions of the debt. I have sent multiple complaints about this company violation of federal law. This company is complicit at this point in the federal law that governs and regulate them. They responded with false documents and did not provide proper proof per the law and regulations. As per the Uniform Commercial Code ( UCC ), a credit card is not a negotiable instrument that can be used to collect on a debt. Furthermore, the charge-off of a debt is considered income and reporting it as a debt is a violation of the FDCPA. I am also aware if there is a 1099-C for this alleged debt, it will be illegal for you to continue collecting on it. Therefore, I demand that you delete the account from my credit report and cease all collection efforts immediately. Please provide documentation to confirm that you have ceased all collection efforts and have deleted the account from my credit report. Please note that any failure to comply with this request may result in legal action being taken against your agency. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesAccording to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports.With that said! I found some mistakes and inaccuracies in your report and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer.I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting.The following claims about me were not reported correctly and do not meet federal requirements. I am challenging these claims and asking for proof that the proper reporting standards
Product: Debt collection

My credit report lists XXXX XXXX XXXX ( XXXX ) as the original company with my XXXX XXXX Credit card. However, multiple other companies have reached out to me to collect a debt I settled. In XXXX, AllTran was the first company to is seek to collect the {$820.00} on behalf of XXXX. I searched online for XXXX and the website directed me to XXXX. Then, I got emails from XXXX, to settle this account for {$280.00}, I took that offer and paid that amount around XX/XX/XXXX, and received an email stating my account was now settled. After making the payment, XXXX, emailed me back to tell me, they no longer handling to account, that XXXX  is. So, I replied and told them I will take back my payment as that's not what was agreed upon. They replied stating the account was settled. 
I received a call from AllTran in regards to this account. I am not sure who exactly is responsible for this account as I have settled this account and should no longer be responsible. XXXX  should not be able to keep trying to collect any more money from me. I agreed to pay XXXX as agreed and this is also who is listed as the company that debited my bank account. I'm frustrated and confused as to why multiple companies on behalf of XXXX is still trying to collect this debt.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Name XXXX XXXX XXXX Account XXXX ) ( Name XXXX XXXX XXXX Account XXXX ) ( Name XXXX XXXX XXXX Account XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit card or prepaid card

I have a new Citi credit card. Initially the card didn't work because Citi wanted to verify my social security number. I submitted the documents they required and within a few weeks the card began working. Shortly though, the card began declining charges again. This is a new problem with the same credit card. THIS IS NOT ABOUT THE SAME ISSUE AS MY PREVIOUS COMPLAINT.
Product: Credit reporting or other personal consumer reports

My information has been used in a data breech And incorrect inquiries have been added XXXX my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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

Please reference Complaint # XXXX -- -- -- I have attached additional errors found on my credit file regarding ( XXXX XXXX XXXX XXXX - Account # XXXX XXXX ) as shown on the attached documents, the available credit is currently reported as $ XXXX when in all actuality it should have been reported as {$0.00} available. Going by this notion, this would indicate that the sum {$400.00} dollars is available ; however, this is incorrect since the charge off balance is currently reported as {$10000.00}. This is an unmistakable error that warrants a full account deletion, not to mention there are missing data for high credit, date of last activity, and the date of last payment which is reported as XX/XX/XXXX but as you can see by my credit report/credit summary that reports no data and referencing the document I've attached which was provided by EQUIFAX online. In addition to having missing data reported, the previous months of reporting are not entered correctly are are out of sequence, whereas, XXXX thru XX/XX/XXXX they are all reported as 60 days late which can not be possible. These and similar reporting errors by Equifax are a consistent issue which I have faced over many decades and still continues to violate the Fair Credit Reporting Act. I ask that the Consumer Financial Protection Bureau intervene having been given broad powers by the the United States Congress and other governing body to oversee the accuracy of information and fair trade pertaining to all American consumers. Having said that, I formally ask that this account be DELETED and removed from Equifax credit reporting database and any other credit repository which they may have or or potentially share data with. Thank you for your help concerning this matter. Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccuracies and incorrect information on my credit report in XX/XX/2022. I noticed these changes on that same day. Section 611 ( a ), clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 45 days. These items should be removed promptly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Credit Karma has a guarantee type program whereby if they guarantee you will be approved for certain products such as a loan, credit card, or other financial type services and if you are not approved with this guarantee then they will turn around and pay you {$50.00} for that denial. The last two denials I received happened in XXXX, yes that long ago. The first denial was a loan that I was guaranteed to be approved for but subsequently was not and the second being a credit card that I was also guaranteed to be approved for and subsequently again was not approved. For these two very different denials I have only paid for one I am still waiting for payment for the other one to which I've already proven to Credit karma that this denial did in fact occur and ended up being written back by Credit karma that they would be sending an email on how to get paid the second {$50.00} payout. Again they owe me for two separate incidents and I have only been paid for one. The only time I received payment for either of these two incidents occurred on XX/XX/XXXX and that's it I'm still waiting for the second payment of which I have not received. The only thing left to do after notifying Credit karma through the cfpb is to go ahead and file a lawsuit for promising products and services that affect our credit score and end up not even being approved they are just straight out lying to us and in the end not even paying us for the guaranteed approval unfortunately it seems that I am going to have to sue them
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. I did not authorize these inquiries, and they are negatively impacting my credit score and overall financial health. I respectfully request that these inquiries be removed from my credit report immediately. 

The hard inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), a credit reporting agency may only include hard inquiries on a consumer report if they were made for a permissible purpose, such as an application for credit initiated by the consumer. Since I did not authorize these inquiries, they do not meet the criteria set forth by the FCRA. 

Additionally, 15 U.S.C. 1681i ( a ) obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of any information on their credit report. I am formally requesting that you conduct such an investigation to verify the legitimacy of these inquiries.
Product: Credit reporting or other personal consumer reports

I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING
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 privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX  XXXX. 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 an 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 reporting, credit repair services, or other personal consumer reports

Hello I have been contacting this company XXXX EXPERIAN AND XXXX for the past 7 months about this account on my credit report. 7 months and NOONE has gotten back to me. The reporting of those accounts violates USC 15 1681 b ( g ) 3. Medical information being released is violating my consumer rights. Please investigate this and remove it from my credit report asap im tired of waiting on responses in the mail that NEVER COME. The accounts are as follows below. They violated MULTIPLE laws thats I can sue for and I have the proof. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I do not recognize the following findings XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
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 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately
Product: Checking or savings account

I found out that someone had been committing fraud on my bank of America small business checking account. They had cloned my debit card with chip and stolen my pin as well. They ran up charges all over XXXXXXXX XXXX XXXX XXXX in XXXX and XXXX XXXX. I filed a police report. I talked to XXXXXXXX XXXX and I filed the claim with the bank. Bank of America refused to pay out and make my small business whole for the fraud issue and now im faced with possibly losing my business because of it. Its XXXX in working capital for jobs that we need to keep moving. This cripples us. I might lose everything because of this and Bank of America has done nothing to support my company or help us. They are covering their XXXX and not doing their responsibility to their consumers. Small business Owners need EVERY DOLLAR AND EVERY PENNY THEY EARN. This might make me lose everything. I need your help to get my money back so i can stay open. This is the worst time of the year for XXXX. We are barely keeping the lights on right now and this type of body blow will ruin everything I've worked so hard for. I filed the police report. I talked to the XXXX XXXX. I talked to the bank multiple times and I begged for them to help me. They're refusing to do the right thing by their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 


-- AUTO LOANS OR LEASES 2. XXXX XXXX CREDIT with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove an account that was not mine. I have sent paper work to them, XXXX and XXXX  and all but Experian refuses to remove the account. I have now sent in 3 sets of paperwork, 4 times and they refuse.