23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : Correct in all details ; exact.

As defined by the IRS Even if you didnt receive a form 1099-c you must report canceled debt as gross income on your tax return.

The IRS clearly defines a charge off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition the IRS Clearly says a Cancelled debt or charge off is income. The reporting of this account as a debt is inaccurate 15 U.S. Code 1681s2 Says you XXXX XXXX are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to cease and desist the reporting of incorrect/ inaccurate information immediately. 
15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) 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

Ive been reaching out to XXXX regarding their incorrect reporting to my consumers report. They have yet to cease reporting this inaccurate information. I have no filed a FTC report against the company being that they are committing identity theft. I have not provided XXXX with my consent to Furnish anything on my credit report. I am also in the process of suing for XXXX each violation. I would demand this account be removed from my credit report within 4 days of receiving this complaint
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

Subject : Discrepancy Regarding Account Status and Request for Clarification Dear Republic Finance, I am writing to formally address a discrepancy I have identified regarding my account with Republic Finance. Specifically, the status of this account is being inaccurately reported as " charged off '' on my credit reports from XXXX and XXXX. However, when I contacted Republic Finance directly, I was informed that this account was not charged off.

Additionally, I have been advised by Republic Finance that no IRS Form 1099-C was filed for this account. Yet, I am being contacted by a collection agency and receiving phone calls regarding this matter. I find this situation confusing and concerning, as it appears to conflict with the information provided by your company. For reference, I have included copies of my credit reports and the notifications I have received from the collection agency. 
I respectfully request the following actions and clarifications : Confirmation in writing of the current status of my account with Republic Finance.

A clear explanation of why my credit reports reflect a " charged off '' status if this is not accurate.

Confirmation that no Form 1099-C was filed with the IRS, as stated by your representative.

Correction to my credit report If there has been an error in reporting this account to XXXX and XXXX, I request that you promptly correct the information with both credit bureaus and provide me with written confirmation of the correction. 
Should you require additional information to resolve this matter, please do not hesitate to contact me in me writing. 
Thank you for your immediate attention to this matter. I look forward to your response within 30 days of receiving this letter, as per the Fair Credit Reporting Act ( FCRA ). 
Sincerely, XXXX XXXX XXXX Enclosures : Notifications received from the collection agency
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. 
. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
Ramirez v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

There is a judgment listed on my Equifax credit report that is not mine. The case number listed is XXXX and this does not exist in XXXX XXXX Court records. I have gone up to the XXXX XXXX Courthouse now 3 different times in person to try to get this incorrect information removed as well as calling. I have disputed this twice through Equifax , yet it still remains. I spoke directly to multiple people who stat that the case number XXXX does not exist in their system. I have also done a statewide search through our online inquiry database for this case number and each time it comes back with nothing. I originally disputed this on XXXX/XXXX/16 and again on XXXX/XXXX/16. They state that this has been verified by XXXX XXXX and when I have gone up there to speak with someone at XXXX XXXX they have given me phone number to have Equifax directly contact them as well as stated that they would not have confirmed this case number as the format of the case number itself is not XXXX used in their systems. I am a XXXX minute drive from this courthouse each way so in total I have driven XXXX mile attempting to correct this as well as missed 3 days of work. I am upset at being denied a mortgage wrongly and at the out of pocket cost of correcting this error and I am not able to get anywhere with Equifax. This case number simply does not exist according to XXXX XXXX. Equifax claims they received verification electronically and do not have a specific contact person at XXXX XXXX that they received this incorrect information from. I would like this incorrect information removed from my report immediately and would like to be reimbursed for my lost wages, time and gas to pursue correction of this matter in the amount of {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 1XXXX XXXX XXXX Acct # XXXX -has violated my rights 2. XXXX XXXX acct # XXXX -has violated my rights 3.XXXX XXXX XXXX acct # XXXX -has violated my rights 4.XXXX XXXX  XXXX act # 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 an account without my written consent.
Product: Credit card or prepaid card

So Ive been using Cashapp for years and never ran into an issue until I started depositing large amounts and direct deposit from job. XXXX charges to XXXX are being doubled charged with voided dates and completed payments. XX/XX/XXXX I was charge {$110.00} and XX/XX/XXXX {$260.00} completed and voided by cash app. Its XX/XX/XXXX last week I was charged yet another {$110.00} and Today charged {$260.00}. I called spoke with 2 customer service agents and they both overlook the voided payments and say cash app has been having technical issues from XXXX until XXXX Ive added cash from my bank to make the completed payments. I really feel robbed cause their using my deposits I upload as them sending me money to account and after looking at statements I feel this isnt all they took but what I was able to witness
Product: Credit card or prepaid card

I misplaced my XXXX XXXX card I continuously called XXXX XXXX for three days and got no answer. I even tried to send an email to the company  asking them to cancel my card and still no response. Finally I reached them on the third day, up until the third day my money was still on the card. At that time I had only XXXX left on the card that previously had XXXX on it. I was furious I called the police to get to the bottom of this and was given a police report number which I sent to the company along with the disputes of transactions on my cord. I later received a letter in the mail from XXXX XXXX saying no fraudulent activities had been done on this card. I couldn't believe it. What happen was my grandchildren ages XXXX and XXXX was playing XXXX on the telephone that I previously used to place an order on and the last 4 numbers to my card was still on the phone. The kids used those four number to log into the game and every time they hit the coin on the game it charged my debit card. Not knowing they was using my money on XXXX XXXX. I called XXXX and they was willing to word with me but XXXX XXXX refused to give me the information needed for XXXX to stop payment. This is a card that is used for my XXXX grandson and I would never authorize kids to use it to play games, that is just out of the question and I don't know anything about those games. I have custody of XXXX grandchildren and all monies received is for the car of the children. I can't find the police report number but I sent it with the report to XXXX XXXX. I can get it later from the police department and send it later.
Product: Vehicle loan or lease

In XX/XX/XXXX, I bought a XXXX XXXX XXXX truck from XXXX XXXX valued at about {$97000.00}. I deposited the sum of {$67000.00} cash towards down payment and financed the balance of about {$30000.00} through the BB & T bank. The car note was {$640.00} monthly. I regularly paid my car note until XX/XX/XXXX when I had an auto accident wherein I suffered a sprained back injury. As a result of the accident I was unable to work and delayed in making my car note payments. However, I was able to make my payments and keep my account current until XX/XX/XXXX when the covid-19 pandemic caused a shutdown of businesses. I lost my job due to cover-19 pandemic and was unable to pay my car note. In XX/XX/XXXX, I made a {$2000.00} payment which was returned due to insufficiency of funds. I informed BB & T about my job loss, but they were not cooperative with me and refused to give me a break. Hence, in XX/XX/XXXX, they repossessed my car and removed it from my apartment. Later in XX/XX/XXXX, I contacted BB & T through my attorney to pay my arrears of about {$6000.00} to bring my account current, however, BB & T refused to accept my money insisting that I must repay the entire balance of the car note ( about {$32000.00} ) prior to release of my car. BB & T gave me till XX/XX/XXXX to make the full payment of about {$32000.00} else the car will be sold after XX/XX/XXXX.
Product: Credit card

Received a call from a person identifying himself as a representative of JP Morgan Chase who asked about an attempted credit card purchase. We did not attempt this purchase. 

He said that someone had obtained my wifes XXXX and was using this in conjunction with the credit card to attempt purchases. 

He gave us a case number ( XXXX XXXXXXXX ), and said that the CFPB would have to lock down her SSN so that this fraudulent activity could not continue. He offered to transfer our call saying that we could not call directly! 

At that point, I hung up. I feared phishing. Ive never before received a call about fraudulent transactions. I assume that the CFPB does not know anything about this.
Product: Credit reporting or other personal consumer reports

I tried to opt out of the sale of my information with Transunion, however their website does not allow me to do so - it gives me an error. It suggested I call a phone #. 

When I called, the rep had no idea what I was talking about. She just kept asking if I wanted to place a freeze on my credit, which is not the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX, Account # XXXX 15 U.S.C 1681 section 602 A. States that 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following have violated my rights ; XXXXXXXX XXXX XXXX acct # XXXX XXXX & XXXX acct # XXXX XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX acct # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent several letters to Senex and XXXX stating that I did not owe Senex or XXXX   XXXX Hospital XXXX dollars. I disputed the debt and I requested that Senex and XXXX   investigate the matter and remove off my credit. I requested a copy of the application and any documents with my signature to validate the debt. I have sent letters but did not get any responses to my request. NOTHING. This has been going on for more the 5 months. 

1 ) They failed to respond within 30 days ( it has been more than 5 months ) 2 ) They failed to provide any documentation ; 3 ) Senex gave me at of Service date of XX/XX/XXXX ( 6 ) yrs old beyond the state of Louisiana ( 3 ) year statue of limitation 4 ) XXXX XXXX Parish Hospital is closed down since XXXX 5 ) Senex does not Respect the Law
Product: Money transfer, virtual currency, or money service

I lost a lot of money to scammers over the years. {$20000.00} in total but honestly it could be over {$40000.00} by now. I withdrew my savings and put money into fake bank accounts but I have all the receipts and all the proof of transactions with me. 

I am over XXXX XXXX XXXX and my son XXXX is my caregiver and he is assisting me with this. 

Please help me get my money back. 

I have described what has happened to me in more detail in the attached document along with proof with the names of different people at the end of the document.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX submitted a credit screening on XX/XX/XXXX with Equifax , where on the XXXX I submitted the despite in question # XXXX and provided by fax myself on XX/XX/XXXX legitimate information regarding payment in full on XXXX XXXX in XXXX Washington which reflected on my credit report thus effectively holding up on a rental unit I amply for. Stagnant along with foot dragging with continuous disregard to my inquiry by Equifax has put my future and kids at risk and has caused great heartache and frustration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Georgia Departmen t of Revenue had  a tax lien on my property in  XXXX  and this lien was satisfied on  XXXX   XXXX ,  XXXX  in the amount of {$1100.00}. This is an error which should not be on my TransUnion or  XXXX  credit reports.
Product: Credit reporting or other personal consumer reports

I am writing this to bring attention to a concerning experience I had with Carmax, which has left me dissatisfied with both the initial sale and subsequent customer service. 

Upon purchasing a vehicle from Carmax, I discovered undisclosed damages to both the front and rear bumpers. Despite having to incur repair expenses myself, I chose to resolve the matter independently to avoid further complications. Subsequently, I faced financial challenges, leading to occasional delays in my payments. It's crucial to note that I maintained an impressive XXXX XXXX  on-time payment record. 

In my attempt to rectify the situation, I reached out to Carmax, requesting the removal of late payment records as a one-time courtesy. Unfortunately, the company has been uncooperative, despite acknowledging the deception during the initial sale. 

This situation highlights not only the lack of transparency in their sales practices but also a refusal to accommodate a loyal customer facing genuine hardships. I am reaching out to the XXXX XXXX XXXX  in the hope that you can facilitate a resolution and ensure fair treatment for consumers.
Product: Credit reporting or other personal consumer reports

I am disputing unauthorized hard inquiries on my credit report that I did not approve. Under the Fair Credit Reporting Act ( FCRA ), all hard inquiries require my written authorization. The following companies placed inquiries on my report without my explicit consent. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX these inquiries were not authorized, I request their immediate removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX XXXX US DEPT ED XXXX, DEPTEDXXXXT XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX DEPTEDXXXXT XXXX accounts do not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I have a student loan but they are not the one.. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX  Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. Experian, XXXX and XXXX   reporting me 30 days late on XX/XX/2018. There was an error on their part. I was never late.
Product: Debt collection

Statring in XX/XX/XXXX when I notified CITIBank that I did not authroized tranfering {$2000.00} to one of their fake accounts at with time I canceled my card! From then until YOU stop them ; Administrative Proceeding File No. XXXX, CITI BANK charged my CANCLED account over {$20000.00}. The took me to court a years ago! New Case # XXXX XXXX and tryed to push it through court with out notitfing me! the courts fismissed the case. On SundayXX/XX/XXXX I recieved a summens from their local lawyers : XXXX XXXX XXXX and XXXX XXXX XXXX Phone # XXXX! 
I was never paid by CITIBank as per your orders, back in XX/XX/XXXXI was NOT a card holder. 

I paid CITIBank what I own them, BUT not the money that the illegally charged my CANCELED account from XX/XX/XXXX to XX/XX/XXXX.