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

There are several addresses on my report which is incorrect also employer which is inaccurate please remove all old information
Product: Money transfer, virtual currency, or money service

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These transaction went through even when I told them to decline because it was fraudulent they still pushed it through. Because my phone would notify about transaction I wasnt making so anytime this happened I reached out to them immediately and asked them to not let it go through because its not me making the transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The specific information is not accurate. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX There are phone numbers that are not mine that I need removed ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

This company has charged off reported on my credit report but refusses to remove it off of my credit report.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 1681 I owe no debt this company is violating my consumer right to privacy pursuant 15 USC 1681 b They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 C ( C ), 15 USC 1681 S-2, 15 USC 1681 e ( b ), 15 USC 1681 ( n ) and 15 USC 1681 i ( 5 ).
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on XX/XX/2024 about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 



The following items need to be removed and blocked as they are fraudulent. 



1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy DEPTEDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account. 

9. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete this account. 

11. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Debt collection

On XX/XX/2019 i received a phone call asking me to pay a debt for a cable bill that i never had. I ask if they can state my whole name and my address. The customer service rep would not answer my question. The customer service rep was very rude telling me that they were going to take legal actions for the amount of {$340.00}. I continue to ask to provide any information and the rep would not. This is un professional and i need proof of this account. I have NO KNOWLEDGE!.
Product: Credit reporting or other personal consumer reports

My account wit these following companies were never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

These companies never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to 15 U.S. Code 1681i - Procedure in case of disputed accuracy, my personal information being reported is inaccurate My only name is XXXX XXXX, Date of birth XX/XX/1994 Address : XXXX XXXX XXXX XXXX Ga XXXX In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the rights 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.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Graves ( mo ) 281 Sw 715,719, I presume that no proof of the alleged debt, nor therefor any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

RE : Late payments reporting on my Equifax consumer credit report To whom it may concern, I, XXXX XXXX XXXX XXXX, am a natural person, and I am physically submitting this dispute letter. This dispute letter is NOT being submitted by a third party. I recently received an updated copy of my Equifax consumer credit report. I noticed some late payments posted on my consumer credit report related to the following accounts : ACCOUNTS ACCOUNT # XXXX/ XXXX ending. xxxxx XXXX Reporting violations XXXX day lates in XXXX of XXXX ; XXXX day lates in XXXX -March of XXXX ; XXXX day lates in XXXX of XXXX XXXX XXXX ending. xxxxx XXXX XXXX violations XXXX day lates in XXXX -March of XXXX XXXX XXXX ending. xxxxx XXXX XXXX violations XXXX day lates in XXXX of XXXX ; XXXX XXXX day lates in XXXX of XXXX Equifax is in clear violation of the law. Under 15 USC 1681b Permissible Purpose of Consumer Reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any credit reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS. Except as provided in paragraph ( XXXX ), the term credit report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer credit report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with the deletion of the above-referenced accounts and a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking damages of {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Credit Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 USC 1681n ] I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts listed by the credit reporting agency have violated my rights and privacy. 

XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX -Account XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX 15 USC 1681 section 602a states that I the consumer have a right to privacy and confidentiality. Additionally 15 USC 1681 section 602a clearly states that credit reporting agencies shall not report any consumer information that I, the consumer has NOT given express written consent to publish or furnish information about any accounts on my consumer report. Furthermore, the credit reporting agencies continue to add incorrect personal information such as other Social security Numbers, Addresses, phone numbers, and names that are not associated to me, any accounts I own, and/or my consumer report.

Names not associated with me or any accounts I own. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security XXXX not associated with me : XXXX
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX are violating my rights in numerus ways reporting inaccurate information on my reports month after month and I want this corrected. Here is the list of their violations that they fail to correct : - Reporting as a charge off month after month, purposely re aging the account which is a direct violation of the Fair Credit Reporting Act. Accounts can report this the first time only, as each time they re-report it starts the reaging process, which is a violation - Reporting a balance on a charge off they do NOT own, which is a violation of the Fair Credit Reporting act. 
- Reporting a credit line on a charge off, which is false, as the account was sold.

- Each company I have disputed is not reporting or indicating when and if this account was sold, purposely misrepresenting the status.

- Balance calculations are not being validated properly
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XXXX Last XXXX : XXXX TransUnion, XXXX, XXXX. 


Subject : Dispute of Inaccurate Information on Credit Report Dear TransUnion, I hope this letter finds you well. I am writing to formally dispute certain information on my credit report that I believe to be inaccurate, invasive and more importantly violations of my rights as a law-abiding citizen on the Federal Level . In Regards to the named accounts below : Collections Accounts : XXXX XXXX  Acct ( # XXXX ) {$490.00} Charge OFF : neither company provide a XXXX for any of these so called debt XXXX  Acct : ( XXXX ) {$1100.00} XXXX  XXXX Acct : ( XXXX ) {$2300.00} XXXX XXXX XXXX XXXX Acct : ( XXXX XXXX XXXX {$4500.00} XXXX XXXX Acct : ( XXXX ) {$5500.00} XXXX XXXX XXXX. 

Firstly, I would like to draw your attention to 15 US code 1681 A, B and 42 USC Sec. 48, which expressly state that I never provided verbal or written consent to ANYONE or ANY Agency to furnish my information or allow anyone else to obtain my information. Therefore, any information obtained without my consent is in violation of federal regulations. Additionally, I would like to reference 15 US code 1692 and 15 US code 1666B, which address abusive collections practices in which you continuously aide these collection agencies and financial institutions in these egregious practices that violate my Rights. I believe that the late payments and inaccuracies reported on my credit report are not only misleading but also preventing me from accessing funding to secure my family that I am entitled to as a responsible borrower.

Furthermore, if I am indeed the original creditor per consumer law, it is important to note that it is against the law to transfer any contract, as stated in 15 US 1692a ( 4 ) and Sec 1692e # 6 A and B. Any transfer of my contract without my knowledge or consent would be a violation of my rights. As you have continued to aide these companies in these practices, according to 18 US Code 1028A this is Aggravated Identity Theft because you share and use my personal information for credit reporting without my written or verbal permission.

I kindly request that you immediately remove these negative accounts and take appropriate action to rectify the inaccuracies and Federal Violations on my credit report. I also request that you immediately update my report and remove any negative reports within the legally required timeframe, as outlined in the Fair Credit Reporting Act. Thank you for your attention to this matter. I look forward to a prompt resolution.
Product: Debt collection

Over the past 2 weeks I have received repeated, harassing calls from representatives at XXXX XXXX XXXX asking me to settle with them on an account from their client Cash Time. 

Today 's call XX/XX/2021, came from XXXX who advised me that the calls would not stop and they would continue to call until a payment is made, after I advised that I knew of no debt that I had with this company. In addition, I have repeatedly asked for written documentation ( a signed contract showing that I indeed have business with this company to be mailed to me ), and they refuse and advise that they can email me documents. 

The email address is not mine and the one that they provide me with further proves that this is not my account and that it is a mistake. XXXX was extremely rude and I would like the calls to STOP. This company does not have accurate information and wanted me to provide them with my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

this was not sent in error i am a consumer by law and my informaton was misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Product: Money transfer, virtual currency, or money service

US Bank has my XXXX account and wouldn't transfer money for several days until they could collect their insufficient funds and then deposit my XX/XX/XXXX money, they did this 7 times! I closed all my accounts but I owe on a line of credit and they won't release my XXXX number or any XXXX funds until it is paid. I can't access my account ( locked so I can't pay ) or my XXXX funds. I tried several approaches and they are still withholding my money.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because XXXX, XXXX and Equifax are reporting charge-offs on my credit report. This reporting is both inaccurate and inconsistent with IRS regulations regarding charge-offs and income reporting. The charge-offs are also in violation of the FCRA. I have reached out to XXXX, Equifax XXXX XXXX to resolve the matter, but there has been no change to my consumer file. The following creditors need to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IRS Guidance on Charge-Offs as Income : According to the IRS, a charge-off is considered income to the consumer, as it reflects debt forgiveness. Income is not allowed to be reported on a credit report, as credit reports are designed to reflect credit and payment activity, not taxable income. The inclusion of this charge-off is a misrepresentation and is damaging to my credit profile.

2. Failure to Issue a Form 1099-C : Furthermore, the creditor has failed to issue a Form 1099-C for the alleged charge-off, which is required by the IRS to reflect forgiven debt as taxable income. The absence of a Form 1099-C indicates that the charge-off is not legally considered forgiven debt, further invalidating its inclusion on my credit report.

3. Impact on My Creditworthiness : The inaccurate reporting of this charge-off has had a significant negative impact on my credit score, affecting my ability to obtain credit and financial opportunities. This reporting is misleading and does not reflect accurate information. 

I have mailed out multiple letters to get this issue resolved, but have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I signed up for TransUnion credit monitoring services. When signing up, they requested a credit card, which I presume was to be used to verify my identity or look up my credit score. Instead, I was charged {$26.00} without my knowledge for services I presumed would be free ( such as free credit scores or credit related services ). No where during the signup process was it ever disclosed I would be charged {$24.00} plus tax.
Product: Credit reporting or other personal consumer reports

I looked at my credit report again on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act 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 relates. These accounts : XXXX XXXX XXXX  account number XXXX, and also XXXX XXXX XXXX  account number XXXX are not complete .open dates are not reporting correctly, date of last active, date of last payment is not correct, this account is not accurate.
Product: Credit card or prepaid card

Open a XXXX  card back in XX/XX/XXXX. Paid all monthly payments due. In XX/XX/XXXX our payment which the bank sends out was sent 6 days ahead of scheduled, and they put a late charge on account saying they never recieved our payment. When the bank posted the cash check it show that someone wrote an account number on the front of check where the amount of check is written out and was cashed by citibank. I is NOT our account number, this account is a Sears account number and not ours. When we spoke to XXXX  ( citibank ) they refuse to listen and say we must send payment to bring up our account up to current date. We call numerous times got no help, and they keep putting on late fees. XXXX of XXXX, they put a late fee, I called, told them this was there fault, they removed it, kept calling them to see if they put our XXXX on our account which they did not. XX/XX/XXXX they took off the late fee, and said give them time. On the XXXX of XXXX another late fee, and now its the banks fault and we must pay up. As of today, I once again gave them the account number that they put the XXXX on which is on the check and told them it is not ours which they have nothing to show for.