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

I have recently discovered that my income has been wrongly included in my credit report, which is a violation of the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). I would like to draw your attention to the Internal Revenue Service ( IRS ) guidelines regarding the reporting of cancelled debt as income. As per the instructions found in the 1099-C form for the debtor, cancelled debt is required to include the amount as my income.INCOME is not be reported by consumer reporting agencies. However, I have noticed that this incorrect reporting of my cancelled debt which is my income has occurred on my credit report. The account that is to be removed is XXXX XXXX XXXX {$4800.00}. This error made by the consumer reporting agencies not only misrepresents my financial situation, but it also has significant consequences for my creditworthiness and financial standing. I believe that this misinformation may lead to potential adverse effects, such as denial of credit, higher interest rates, or inability to secure loans or housing. In light of this issue, I kindly request your intervention to ensure the immediate removal of this inaccurate information from my credit report. I am aware of the rights and protections granted to me under the FCRA, and I trust that the Consumer Financial Protection Bureau will act accordingly to rectify this situation. I have attached copies of the relevant documentation, including the 1099-C form as per the IRS guidelines , to support my claim and provide evidence of the inaccurate reporting. I kindly request that you investigate this matter promptly and take appropriate action to correct the error.Please note that there is no federal law stating that I have to give my SSN to a consumer reporting agency to prove who I am. I have attached my ID.
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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and | XXXX financial loss, and I seek appropriate redress for these violations.
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. 

Account Name : XXXX FNBK XXXX Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX FCU Account Number : XXXX Account Name : XXXX FCU Account Number : XXXX Account Name : GRAIN TECHNO Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : 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 XXXX 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: Mortgage

My name is XXXX XXXX and Bank of America is trying to put an Escrow on the account for taxes. I sent the taxes and they sent them back because an period was n't right place on the check.They sent it back to me to fix it. I did but forgot to mail it back because my daughter was founded to have XXXX she was our first choice to see about she was very sick. when I did set down to read mail, I answer, called themt and paid the taxes. when I got ready to pay the mortgage they put and Escrow on the account. All the rest of the taxes is paid and insurance is paid up. We have never been late on mortgage, taxes behind in insurance, For fourteen years they left my wife off the contract, I mean the buyer contract. I want her name on our contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. 

XXXX {$1200.00} XXXX {$140.00} XXXX {$82.00} XXXX {$27000.00} XXXX {$420.00} XXXX {$2100.00} XXXX {$14000.00}
Product: Checking or savings account

On XXXX I received a text advising of fraudulent activity on my account. As this has never happened before when I was prompted yes or no I selected no and received an immediate response that Chime would contact me and my account would be restricted. I immediately checked my account and did not see a transaction so I assumed that it had been stopped by Chime. Around XXXX that night I received another text stating that my account would restricted to investigate the fraud from early. I immediately called the number on the card and was prompted to hit star to receive a call back due to high call volumes. I received a call almost as soon as I ended the call and they advised they were with Chime Fraud prevention. The caller was able to verify all of my info with me with me prompting or coaching the caller. He knew that my email that was linked to my account started with t and ended with XXXX  again without prompting and he was able to adv that he would send a temporary password while he secured my account. He verified my address with me asking if I was still associated with the XXXX address. He knew all of my information and proceeded to tell me that he needed to review the IP addresses that were not associated with me. Again, I have never dealt with fraud and this was scary for me. In the time of the call the scammer was able to clear out my bank account. He was able to cancel my debit cards and order new ones. At the end of the call he told me I could log back in. When I tried to log in I was not able to and the call disconnected. it was at that moment that I realized something was not right. I called Chime number on the back of the card again and this time I waited to speak with a rep. I told them of the fraud and they told me there was nothing that could be done until all the charges posted to my account over {$1300.00} worth of charges were taken from my account. They didnt place a stop to the charges or start an immediate investigation. I had to call back the next day to start what I was told was started the minute that incident happened. The scammers had changed my email again at that time and they had reset my password again. Chime did not start the official investigation until almost 24 hours after everything happened. I was told by the states attorney to call and report to FBI ( I did ) I also reported to the FDIC, XXXX  and now this dept. I attempted to call the numbers that were available to dispute the transactions and they were all disconnected or websites that led to nothing. Chime sent an email advising that the charges were not deemed fraud and refused to refund the money to me, they rebuttal was sent today XXXX.
Product: Credit reporting or other personal consumer reports

Disputed account with XXXX XXXX and Bank XXXX XXXX Experian and XXXX and never changed as procedural investigation was not done.
Product: Credit card or prepaid card

Dear American Express Bluebird : Please find the attached documents submitted and confirmed receipt on XX/XX/20 regarding my account was debited {$400.00} in error from a failed ATM transaction. As the account has not yet received a proper credit, I would appreciate a prompt resolution by issuing a credit of {$400.00} to the account. Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have previously filed a complaint regarding the negative accounts on my credit report. I have long requested for these to be removed by the three bureaus, but they have yet to take any action on this matter. These negative accounts are severely affecting me, so I am once again requesting their removal. This time, if the three bureaus still do not take action, I will file a lawsuit against them and seek compensation for the damages they have caused me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a department of veteran affairs account with Experian about inaccurate balance and improper payment status and they have consistently refused to update and/or remove this account. The original balance on my experian credit report states {$910.00}. The actual original balance was {$41.00}. This account was paid in full in XX/XX/XXXX yet experian gave me a negative payment status in XXXX of XXXX. I have contacted the Department of Veteran Affairs Debt Management Center and have verified this information and have received a letter stating these inaccuracies yet this account has never been corrected.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report :XX/XX/XXXXBalance : {$2100.00} XXXXXX/XX/XXXX XXXX XXXX : {$150.00} XX/XX/XXXX Balance : {$160.00} XX/XX/XXXX Balance : {$2100.00} XXXX XXXXXX/XX/XXXXXXXX Balance : {$150.00}
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had a car loan with XXXX XXXX XXXX I had auto payment so I had received a call from their internal collections department but the car actually came from a family members phone and it turns out they are employee use the app to make a phone call to me so I will pick up the phone I contacted XXXX XXXX XXXX they excepted responsibility and I end up talking to the president Call center we could not agree on a solution XXXX XXXX XXXX finally canceled the loan I still have the vehicle rXX/XX/XXXX set a XXXX form after several complaints not only to the CFPB but to the XX/XX/XXXX XX/XX/XXXX they updated my balance is XXXX but have failed to remove the account from my credit report they sent a letter to me stating they are no longer collecting on the debt but again they have not removed it from my report.
Product: Credit card

Good day, Comenity Bank can not help me to restore my ability to use their card on XXXX XXXX. 

I have tried making numerous calls ( spoke to 4 agents and wrote 5 emails on the app ). However, they are uninformed and can not help me with the simple task. 

I initially had their AAA Daily Advantage card on my XXXX XXXX. It worked great. However, I had to delete it at some point. After trying to add it later, I received an error message stating unable to add card. contact your bank. After being transferred back and forth, I finally made it to the Comenity Digital Wallet Department. They said, they couldnot do anything, that I must contact XXXX and XXXX. I contacted both. They did say that it was the bank blocking me adding the card. I called again. Comenity said to wait 10 days and try again. I waited 6 months and tried again. Same problem. Called them back and wasted time. I even requested a new card number to see if it would work. No success. Keep pointing fingers and not knowing what to do. The last recommendation is to just use your physical card as normal. What a brilliant response! Thank you Comenity. 

On the side note, I had the exact same issue with XXXXXXXX XXXX card. All it took was customer service, deleting my old digital token on their side. It then worked right away. Comenity needs to learn how to address a simple task.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account XXXX XXXX with XXXX, Experian and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX and the incorrect information is still there. 
This account was Never Late and never charged off however Experian has it marked as late and charged off. 

I disputed the account XXXX XXXX with XXXX, Experian and XXXX and the incorrect information is still there. 
This account was Never Late and never charged off however XXXX, Experian and XXXX have it marked as late and charged off. 

I disputed the account XXXX XXXX with Experian and the incorrect information is still there. 
This account was Never Late and is paid off however, Experian has it incorrectly marked as late with a balance I disputed the account XXXX XXXX with Experian and XXXX and the incorrect information is still there. 
This account was Never Late and never charged off however XXXX, Experian and XXXX have it marked as late and charged off. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I successfully disputed an address off of my credit report with Equifax about a month or two ago. I got a letter in the mail saying that the address was deleted but for some reason Equifax, acting as a consumer reporting agency, has given me the impression that 15 USC 1681 does not apply to them in any way, shape, or form. They have amazingly decided to break federal, especially the Fair Credit Reporting Act, and state laws because they think as a consumer, I am not smart enough to know they are functioning under their own set of rules when it comes to my credit file and my credit report, which I also detailed in another CFPB complaint, with the complaint number XXXX ; where in complaint number XXXX, they willingly and negligently decided to update and change inaccurate and incomplete information in my credit file and on my credit report whenever and however they pleased instead of deleting and removing information after having knowledge the information was inaccurate and incomplete. 

Equifax deleted an address off my credit report and took it upon themselves to reinsert that address back on as they have been doing for awhile now. I am sure they have done this many times to other consumers because they do not care about 15 USC 1681 or any other federal or state laws. Just as I have done with complaint XXXX, I am providing evidence such as the time and date stamped letter stating the deletion, a credit report before my dispute, a credit report showing the address information deleted, and a credit report after the information was willingly and negligently reinserted back on my credit report and in my credit file. I am lucky that I know exactly how they are violating the law and I have pulled my credit report almost every week over the past year in order to catch their violations. 

I will be forced to seek legal action in federal and/or state court for these negligent and willful violations of the law, if this address information and the information from complaint XXXX is not deleted and removed from my credit report and credit file as soon as possible and another new credit report reflecting those changes is not sent to me very soon.
Product: Credit reporting or other personal consumer reports

these unauthorized inquiries XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is violating my consumer rights to privacy according to 15 USC 1681b 2, and also has also NO permission to report ANYTHING using my information according to USC 1681 4. I need them delete this unauthorized inquiries off my credit report. 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 contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Mortgage

My wife has been unemployed now for 3 months and I am now self quarantine I have reached out to usbank home mortgage for a 90 day deferral and they said theres nothing they are doing to help on that and I feel with the current situation they should help I have now wasted over an hour on two different calls and they seem not to care
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I had agreed to make a payment with collections company, and provided payment information. The collector called me nearly 30 days later to report the payment was declined, although the funds were available at the time. He failed to state mini-miranda prior to disclosing account information. In addition, he stated he is only required to say it on one call, not any subsequent calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - {$1500.00} ( XXXX XXXX ) XXXX XXXXXXXX - {$810.00} ( XXXX XXXX ) XXXX XXXX {$150.00} ( XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX  ) None of these are my transactions, yet they are on my credit report.
Product: Debt collection

I tried to dispute the information with the company and also tried to speak to a representative to explain to them that this isn't me. Because I sign my name as XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Capital One Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 or other personal consumer reports

Today I checked my credit report and I seen fraudulent inquiries and inaccurate addresses that I want removed from Experian such as XXXX XXXX XXXX from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, And XXXX XX/XX/XXXXXXXX XXXX XXXX there are also two addresses reporting to Experian that I have never lied or have no connection to, that I would like to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX and have updated to my current address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY FRAUD SOMEONE STOLE MY IDENTITY PURCHASED SEVERAL CARS GOT CREDIT CARDS HOUSES AND LOANS. WHEN I CALL THE AUTHORITIES THE PERSON ( S ) FILED A BANKRUPTCY TO HIDE THE FACT THAT THEY HAD STOLE MY IDENTITY. IT WAS PROVEN THAT IT WAS NOT ME WHO OPEN THESE ACCOUNT. MOST OF THESE ACCOUNTS HAS BEEN REMOVE BUT I SEE THERE ARE SOME STILL LEFT AS WELL AS A BANKRUPTCY THAT SHOULD NOT BE ON MY REPORT I HAVE SENT IN PAPERWORK TO ALL THREE OF THE CREDIT AGENCY AND HAVE NOT GOTTEN A RESPONSE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive had these fraudulent accounts removed, and they are appearing on my reports again they do not belong to me