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

Dear CFPB, I am writing to formally submit a complaint regarding unauthorized inquiries on my credit report violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681b.

Upon reviewing my credit report, I discovered several inquiries that were made without my authorization, which include : [ XXXX XXXX XXXX ] : Inquiry date ( XX/XX/year> ) [ XXXX XXXX XXXX XXXX ] : ( XX/XX/year> ) [ XXXX XXXX ] : Inquiry date ( XX/XX/year> ) [ XXXX XXXX XXXX ] : Inquiry date ( XX/XX/year> ) [ XXXX XXXX ] : Inquiry date : ( XX/XX/year> ) [ XXXX XXXX XXXX XXXX ] : Inquiry date ( XX/XX/year> ) [ XXXX XXXX ] : Inquiry date ( XX/XX/year> ) [ XXXX XXXX XXXX ] : Inquiry date ( XX/XX/year> ) [ XXXX XXXX XXXXXXXX XXXX ] : Inquiry date ( XX/XX/year> ) [ XXXX XXXX ] : Inquiry date : ( XX/XX/year> ) [ XXXX XXXX XXXX XXXX XXXX : Inquiry date ( XX/XX/year> ) [ XXXX XXXX ] : XXXX date ( XX/XX/year> ) [ XXXX XXXX XXXX ] XXXX Inquiry date ( XX/XX/year> ) [ XXXX XXXX XXXX ] : Inquiry XXXX XXXX XX/XX/year> ) [ XXXX XXXX XXXX ] : Inquiry date XXXX XX/XX/year> ) According to 15 U.S.C. 1681b, a credit inquiry may only be made with the consumer 's authorization or for permissible purposes, such as credit. employment, or insurance applications. As I did not grant permission for these inquiries, they are in direct violation of the FCRA.

I have previously contacted the relevant credit reporting agency to request the removal of these unauthorized inquiries However, if these inquiries are not removed within 30 days, I am prepared to take further action, including pursuing legal remedies.I kindly ask for your assistance in addressing this matter and ensuring that my rights as a consumer are upheld.I would appreciate any guidance you can provide regarding the resolution of this issue and the enforcement of the FCRA. 
Thank you for your attention to this important matter. I look forward to your prompt response. 
Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

The status of these accounts reporting is an inaccurate account, from dates when the account was open, reported dates, dates of last active, date of last payment, and reporting charged off which is a violation of 15 U.S. Code 1681e ( b ).

If your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.

Also, 1099-C must be mailed to consumers. I did not receive anything which is a violation. 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, according to the IRS. For an account to be Charged Off, the debt had to have been Canceled. Canceled Debt must be reported as Gross Income on a tax return. Its illegal to report income to my consumer report.

Companies that mark accounts as charged off take advantage of 1099c forms and deem it a profit loss, meaning they collect from the IRS. It is illegal to collect from the IRS and still attempt to collect from the consumer/individual. The reported balance of these accounts is inaccurate, and the agency is to comply by blocking and deleting these accounts from my reports as they do not, and never have had my written consent to report these listings ( Violation of 15 USC 1681b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Experian, XXXX, and XXXX has been violating my rights : 15 USC 1681 sec 602b I have a right to my privacy 15 USC 1681 sec 604a communication. reporting agency can not furnish my information without my written consent XXXX XXXX XXXX  I don't know of this account that is paid - Experian XXXX XXXX XXXX XXXX XXXX don't know of this account that is paid - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX Account # XXXX  Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX XXXX  XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I was a victim of equifax data breach, please remove and block all information immediately
Product: Debt collection

I have reached out to Resurgent about several accounts the claim on their website. I received an initial response requesting more information. I immediately responded and have sent several follow ups. One of theres items is being reported to credit reporting companies by another company.
Product: Credit card or prepaid card

On XX/XX/2022 I authorized a charge for {$1000.00} over the phone for a reservation deposit/partial payment on my cousin 's XXXX  bill ( XXXX for her XXXX  dog ). I specifically stated that I was only authorizing {$1000.00} and that any balance would remain my cousins responsibility and was between her and the merchant. The merchant agreed and confirmed this over the phone. The {$1000.00} was billed to my card. 

However, later that day there was a dispute between my cousin and the practice. My cousin felt the XXXX  was negligent and caused her whole litter of puppies  to XXXX  at birth. Accordingly she refused to pay the balance and informed the merchant to sue her and she would counterclaim negligence. 

The merchant instead charged the outstanding balance to my card ( it appears they saved my card number without authorization ). 

I did not authorize the merchant to charge any amount in excess of the initial {$1000.00}. I did not authorize the merchant to make additional charges to my account. I did not authorize the merchant to store my card as a " back up '' payment method. 

Chase advised me that I am responsible for the additional {$2500.00} charge since I did business with the merchant by authorizing the initial {$1000.00} deposit and the matter is between me and my cousin. This is incorrect. I am only responsible for the {$1000.00} that I authorized to the merchant. The outstanding balance is between her and the merchant because I did authorize such charge. 

Just because I authorized one transaction with a merchant ( aka did business with such merchant ) does not give the merchant the right to continue to charge my card as they please and without further authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax froze my account without authorization, or request for a lock or freeze. Then when I call them to get fixed, they want me to share so much information on an open cellular line that anybody could get a new credit card in my name. Literally even my Full SS, DOB, and too much other info. It's the opposite of security. 
It would be pathetic if it wasn't so wrong.
Product: Debt collection

I looked at my credit report back on XX/XX/year>, and noticed something is incomplete and not accurate According to the. Fair Credit Report Act. Whenever a consumer reporting agency prepares a consumer report, it reasonably procedures these accounts. 
TRANSUNION. 
1-Account Name : XXXX XXXX XXXX : Account Numer : XXXX XXXXAccount Name : XXXX XXXX 
Account Number : XXXX. 
3-Account Name : XXXX Account number : XXXX. 
I sent a letter on XX/XX/year> to investigate the completeness and accuracy of the account with Transunion, which is making it hard for me to submit my dispute,
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair reporting act XXXX  account XXXX has violated my right 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 it also says the account is still open which is inaccurate
Product: Debt collection

This company is a 3rd debt collector trying to collect the same debt. That is not the problem, how ever they are calling me every other day and up to 5 times a week at different times a day and night. Every day, every week, every month since XXXX XXXX. Its a recording of the same information, " This is XXXX XXXX of MRS Assois, calling about a debt, please call XXXX '' then it hangs up. Since XXXX of this year. 

Before that, The XXXX debt collector was XXXX XXXX XXXX, XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX back on XXXX XXXX, XXXX then the debt was giving or sold to XXXX, XXXX XXXX, XXXX, XXXX XXXX which was on XXXX XXXX XXXX Then again the debt was sold or given to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX as of XXXX XXXX XXXX and now this NEW debt collector now has the debt. The debt has been sold, charge off, or given to other debt collectors for the past XXXX-3 years and i do not know who really is the REAL collector of said debt.
Product: Credit reporting or other personal consumer reports

I applied for a XXXX XXXX XXXX credit card through XXXX. Upon approval, XXXX automatically set this credit card as my default payment method without my explicit consent or clear disclosure. I was never made aware that this card had replaced my existing payment method for XXXX purchases. 

Additionally, I never received the physical credit card in the mail and had no way of knowing the account details, billing cycle, or payment obligations. As a result, I unknowingly accumulated a balance on this card for purchases I believed were being charged to my usual payment method. Since I was unaware of the charges, I missed payments, leading to a delinquency on my credit report. 

This delinquency has severely damaged my credit score, impacting my ability to secure a favorable mortgage interest rate and increasing my financial burden. 

Upon discovering this issue, I contacted XXXX to explain that I had never received the card, had no knowledge that it was set as my default payment method, and did not knowingly authorize these charges. Despite my explanation, XXXX refused to remove the delinquency from my credit report. 

I have spoken with an attorney, who has advised me that this situation may violate several consumer protection laws, including : Truth in Lending Act ( TILA ) Lack of clear disclosure regarding the automatic default payment setting.

Fair Credit Billing Act ( FCBA ) Billing errors due to non-receipt of the card and unauthorized charges. 
Fair Credit Reporting Act ( FCRA ) Chases refusal to correct an inaccurate delinquency that resulted from their misleading process. 
Unfair or Deceptive Acts and Practices ( UDAP/UDAAP ) XXXX and XXXX undisclosed default payment setting led to significant financial harm. 

I am filing this complaint because XXXX actions have caused severe financial consequences, and they have refused to take accountability despite clear evidence that I did not knowingly authorize these charges.
Product: Debt collection

The debt was charged off by XXXX XXXX XXXX in XXXX and now there suing me for something that according to the IRS a 1099C must be filed and send a copy when they do so for a debt of {$600.00} or more as a canceled debt. This came from the IRS Publication XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian added a late payment to my account. This payment was late in XX/XX/2011. Every time I try to obtain information on my account I am being told I need to submit proof of who I am, which I have done multiple time. Why is it that the credit reporting agencies don't request proof before putting negative information on consumers ' reports, but the consumers need to provide a wealth of information and proof to have these information removed. I need this negative information removed from my credit report. 
Yet, this is the same companies that is selling consumer information, and don't have protection on their system with the massive data breeches.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report, which I believe are negatively affecting my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and report a thorough investigation into these inaccuracies, required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit Experian for failure to properly investigate consumers dispute citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB includes : Conducting inadequate investigation that failed to address consumer disputes properly. 
Reinserting previous dispute and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegation highlights systematic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on the credit reports. I am deeply concerned that my dispute may be mishandled in the similar manner.

Please review the inaccurate information being report : Under the FCRA, you are required to : Conduct a proper investigation into my dispute. Inform me of the results of yoru investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the dispute information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from any credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of these information from my credit report. 

Furthermore, I request written confirmation of the action you taken in response to this dispute if you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB or other appropriate agencies. 

Thank for addressing this matter promptly, I look forward to your response with the legally mandated 30 days timeframe. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

Applied for and received a US Bank XXXX XXXX approximately XXXX months ago. 

For this same amount of time the US Bank XXXX XXXX Banking website has been inoperable. This is the message that has been posted when you log-in : Our system is currently " Read Only '' due to a technical issue that we are working to quickly fix. To avoid confusion, we are only showing you options that you are able to do. Youll see all the usual options once the issue is resolved. 

What does this mean to you? 

No data has been lost. 
You can view limited account balance information. 
Account balances shown reflect the balance at the time of your last visit to XXXX or XXXX Banking, or the last time we processed your activity ( nightly M-F except holidays ). 
You cant transfer money, make payments or advances, or send money to a person. 
For urgent concerns, such as payments or transfers that cant wait, call XXXX BANKS XXXX XXXX ). Thank you for your patience. 

US Bank indicates in this message that " Our system is currently " Read Only '' due to a technical issue that we are working to quickly fix. '' This is not an accurate statement, as this system has been inoperable for at least XXXX months. 

Credit Card customers can only make payments by sending in a check or calling the US Bank Customer Service phone number to make a payment. 

I believe this is a deliberate attempt on US Bank to make paying your account balance difficult and charging late fees or having customers miss payments.
Product: Debt collection

AARGON ORDERED EXPERIAN TO COMMIT CREDIT COLLECTION AND REPORTING FRAUD AND REFUSES TO REMOVE SAID ACCOUNT AFTER PROVING THAT THE ORIGINAL CREDITOR IS ACCEPTING PAYMENTS IN VIOLATION OF FDCPA, FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated me federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. section 602A states I have a right to privacy.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Checking or savings account

I established XXXX distinct retirement accounts with SoFi Bank, enticed by the promise of a temporary promotion : a {$100.00} bonus to be allocated to each account, coupled with assurances of reimbursing any incurred fees from my previous financial IRAs, up to {$100.00}. Unfortunately, SoFi Bank failed to honor these commitments. Not only did they neglect to reimburse the fees as promised, but they also mishandled the rollover process with the IRS, resulting in erroneous investments. 

Over the span of XXXX years, I diligently sought resolution to these issues to no avail. While SoFi Bank begrudgingly disbursed partial payments {$50.00} last XXXX and {$25.00} most recentlyI remain owed a substantial amount. This protracted ordeal has cast a shadow over the integrity of their operations, leaving my retirement accounts, cultivated by my hard work for over XXXX decades, in disarray. 

I implore an investigation into SoFi Bank 's practices, as their actions border on fraudulent. Their negligence has not only compromised my financial security but also eroded the trust I once placed in their institution. Regrettably, the lack of remorse or assistance from SoFi Bank further exacerbates the distressing situation.
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act convergent account 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My complaint is with equifax. Equifax is reporting a collections a time barred collections over seven years old. The reason I know it is time barred is because Ive been disputing this throughout the years same debt amount different collection agencies always being displayed as new collection in fact its very old.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my Transunion consumer report that listed a balance with XXXX with all my student loans XXXX Account # XXXX. This information is not correct because this debt has been officially canceled per IRS acceptance and declaration of rights order that all debt are forgiven. See Attached. All of these account ( s ) should reflect as paid in full.

Regarding the 1099-C courts have ruled that this information return along with an additional identifiable event establishes a discharge. See In re Reed, 492 B.R. 261 ( 2013 ). Here you have public record XXXX which is a order and language as it pertains debts involving the taxpayer. See Attached. See Claim of Title ( 2 )
Product: Debt collection

Reps call and pretend to be someone else. They refuse to give information about who they really are and try to get me to tell them who I am without verifying who they are when asked. Once I keep asking who they are and where they are calling from, they hang up in my face. Last rep was XXXX