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

TRANSWORLD SYSTEMS INC has yet to provide requested documentation. A statement isnt valid debt validation. I am requesting again 1. Purchase agreement between TRANSWORLD SYSTEMS INC and XXXX XXXX 2. I also have yet to see any signature of my name on paper with XXXX  or TRANSWORLD SYSTEMS INC If unable to provide this information I demand this account be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home and the VA lender I am working with shared with me all of the information that was reporting on my credit report. Accounts both new and old are appearing on my report. Some accounts are negative, and some appear to be positive, but they do not belong to me. I am a victim of fraud! At the VA 's advisement I reported the crime to the police and filed an FTC report. I am sure the credit bureaus will investigate but I want all of these items removed from my report immediately. I have sent in dispute letters via certified mail, and I have called several times, but they ( XXXX, XXXX, and Equifax ) refuse to remove the accounts and inquiries from my report. According to the Federal Trade Commission, negative items shall be removed in 4 days. Additionally, after sending in the dispute letters with the FTC report attached, the credit bureaus have added on a collection account which is not mine which is severely hurting my chances of closing on this house. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

According to the FCRA and Consumer Protection Act and Privacy act and also IRS publication 4681 IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX XXXX for the cancelled debt of { {$10000.00} } XXXX XXXX XXXX XXXX for the cancelled debt of { {$750.00} } XXXX XXXX XXXX XXXXXXXX XXXX for the cancelled debt of { {$900.00} } XXXX XXXX XXXX XXXX for the cancelled debt of { {$6500.00} } in order to file as ordinary income. Where is my 1099-C XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { XXXX {$600.00} } }. This is unsatisfactoryXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. TRANSUNION, XXXX, and XXXX, etc. is not an affiliate of XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal Pursuant to 5 USC 552a, Pursuant to FCRA, pursuant to 15 USC 6802. The Fair Credit Reporting Act ( FCRA ) prohibits creditors from making adverse reports on a consumer 's credit standing if the consumer disputes an amount or account. However, creditors can report that the account or amount is in dispute. It is illegal for a financial institution to report a consumer 's transaction history without their written consent. This is because Congress has mandated that financial institutions protect the privacy and confidentiality of their customers ' non-public information. For these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX to inform them that the date of delinquency in this account was the first day after I missed a payment which was XXXX XXXX 2009 and should have been reported within 90 days .this account should be in default After I did n't make a scheduled payment for a period of 270 Days from last payment according to federal Regulation. I included documentation for payments schedule and proof that XXXX got no payment past the date stated above yet ... They included fraudulent information on my credit report to default the loan at a later date so the status of limitations can be manipulated. XXXX should remove all negative information from all credit bureaus since the delinquency date was more than 7 years and no payment have been made since. Legal action will follow for this fraud.
Product: Credit reporting or other personal consumer reports

Filed and attempted multiple disputes on XX/XX/ hence no reply or action by company. I have filed dispute over inaccurate personal information listed on my credit report. I have waited over 30 days and tried to give XXXX, XXXX and Equifax a chance to resolve this issue pursuant to 15 USC 1681s-2-b ( ii ). I filed a re-investigation, and still no lawful response XXXX, XXXX and Equifax has chosen to violate and ignore the statues of the Fair Credit Reporting Act. I have legal documentation of my attempts to have this inaccurate and false information updated and corrected.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 credit cards XXXX # XXXX Opened on XXXX XXXX, XXXX, XXXX  # XXXX Opened on XXXX XXXX, XXXX, XXXX XXXX # XXXX Opened on XX/XX/XXXX, XXXX XXXX # XXXX Opened on XXXX XXXX, XXXX, XXXX XXXX  # XXXX Opened on XX/XX/XXXX, XXXX # XXXX Opened on XX/XX/XXXX, XXXX XXXX # XXXX Opened on XX/XX/XXXX, XXXX XXXX # XXXX Opened on XX/XX/XXXX, XXXX # XXXX Opened on XX/XX/XXXX, XXXX # XXXX Opened on XX/XX/XXXX, XXXX XXXX  # XXXX Opened on XX/XX/XXXX, XXXX  # XXXX Opened on XX/XX/XXXX, and unauthorized Inquiries XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX- Account Name : XXXX PERSONAL LOANS # XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Mortgage

In XXXX 2015 my husband went on XXXX, the year before we had a modification, we were not prepared and 3 months went by when i called Suntrust they said we no longer offer repayment plans you have to pay it all. Well, we did not have all the arrears then since my husband was in XXXX. His process lasted until end XXXX and in XXXX they dismissed his case and went back to normal pay by then i had already submitted a workout package to Suntrust. They went ahead and recorded and XXXX and by XXXX NOT even do we were under review, telling we will postpone. Then mod gets denied and they tell me that we no longer aqualify for any workout because of our previous mod ( which was never explained that if we got that mod and there was a change of circumstance we will not qualify ) Everytime i call i get told we have a sale date but send a package for review, then i get told no you dont qualify, i feel there is dual tracking and nobody really knows what to tell us anymore. All i have been asking since last summer is for a repayment plan since we are back to normal and im making enough money to cover the payment and the arrears in a repayment plan i even offer them to add to back of the loan and do a balloon payment. our goal was never to loose home, in XXXX when we got the XXXX my wife lost her dad which put my family at more stress. We have worked with Suntrust and provided all the documents required 3 times already and honestly not sure why. I am a XXXX from XXXX XXXX with 20 years in and i have proposed several solutions to them to help and now the only solution is {$28000.00} or foreclosure, to my understanding CFPB is her to help and at this point i have no other than to ask for help. My family loves our home i did not get sick on purpose life happened and now i am trying to take my house out of foreclosure, when Suntrust can clearly see i can afford it and will repay them. We pay the home insurance on time all the time and keep up the house and take care of the home, we have {$7000.00} saved to start repaying all we need is a chance to get cought up. 
Thanks for your help XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX AV XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX, Fraudulent accounts : XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX  XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Open XX/XX/XXXX XXXX {$0.00}, XXXX XXXX Date Open XXXX XXXX, XXXX XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Checking or savings account

Hi, Hope all is well. 

My family and I have been Bank of America customers for over 20 years. 

Unfortunately, I'm writing about the unprofessional behavior of representative XXXX XXXX. 

My account was charged foreign transaction fees in XXXX. 

The amount of money is very small ( {$160.00} ) and I genuinely believe that this is a small misunderstanding. 

In the previous CFPB response, Representative XXXX XXXX then states that they can only be reversed if XXXX XXXX is in my account. However, on the phone, he said there was no way to determine this and to call after every transaction. This has caused a huge level of inconvenience. I'm kindly asking if it is possible to have someone investigate XXXX XXXX. 

XXXX had even threatened me that I was wasting my time as all complaints would go through him. He stated the Bank of America OCC is a team of 10 people and I would not be allowed to talk to any other member. 

As mentioned, we have been a customer for over 20 years. I don't understand the difficulty of going through this for {$160.00}. 

Thank you in advance, XXXXXXXX XXXX XXXX XXXX
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 {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

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

3. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Looking over my documents I notice that I do not have a copy of the contract that I have with Equifax the debt collections that is on credit profile. Under the FCRA it is the Responsibility of Equifax to ensure that they proper documentation from me stating that I gave them some form of permission or to show proof of some contract to report these accounts on my credit profile.. May  Equifax provide copy of the written documents or some form of agreement to where I gave them permission to report these account on my credit profile. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information had been breach in recent and pass data breaches, accounts, inquiries, collections and public records had been placed on my credit report. 
An FTC complaint has been filed with all this fraudulent items that do not belong to me, please remove all this items from my credit report. 
These event has prevented me from getting finance as well as a better jobt to better my life.
Product: Credit reporting or other personal consumer reports

Capital One reported to lates on my credit account and none are correct. I have asked them to provide proof or remove and I have not received any proof nor have they removed.
Product: Vehicle loan or lease

I contacted Audi Financial XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, XXXX to request a lien release letter. My vehicle has been paid off for more than 5 years. I discovered I was only mailed the title with the lien attached when I tried to sell my vehicle. Each conversation with an Audi Financial employee stated the lien release letter would be/was in the mail. Today is XX/XX/XXXX and I still haven't received the lien release letter or title.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires do not belong to me and are fraud. I have included the identity theft report. 

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

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

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

I AM A CONSUMER & Equifax is in violation of Consumer Protection Laws, including : 1. ) 15 U.S Code 1681 ( a ) ( 4 ) - " Infringed upon a consumer 's right to privacy '' 2. ) 15 U.S Code 1681 ( a ) ( 2 ) - " No permissible purpose/no written instruction '' 3. ) 15 U.S Code 1681 ( a ) ( e ) - " Improper investigative consumer report '' 4. ) 15 U.S Code 6802 ( a ) - " Disclosed consumer information received from a third party '' 5. ) 18 U.S Code 1028 ( a ) - " Unlawful possession of another person 's identity '' After several calls & letters, I sent them correspondence in XX/XX/2021 and they refused to make the necessary changes so attached is an invoice for each violation. Further action will be taken.
Product: Credit card

On XXXX XXXX I HAD multiple failed attempts to a remove a 30 day late payment due to a financial hardship and also a mistake with customer service in which they waived the late payment fee however failed to explain that it will be included in the next month 's minimum payment caused me to fall behind. I decided to open a XXXX dispute. I was contacted almost immediately by someone I believe in the executive office who said she expected to get back to me the following Monday and if not way before XX/XX/XXXX. I am still in the same situation and today is XXXX XXXX, 2016 and I have yet to receive a call or response at all. 

I recently applied for an apartment because I have to move urgently however was denied because of a 30 day late payment from you guys I would like have it removed I have tried to always keep my account up date and it is negatively affecting me emotional and physically because i do n't want to end up in the street with a XXXX year old due to not being approved to no apartment. I have disputed it many times and I have been told by different representatives that yes it would be removed and nothing. I had a financial hardship but since then have always made payments. I 'm very disappointed that you would rather see a customer go and its seems as the customer is not important all that is important is the money to be made.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 : XXXX XXXX  XXXX Balance : {$83000.00} XXXX XXXX  XXXX Balance : {$83000.00} XXXX XXXX  XXXX Balance : {$83000.00}