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

Subject : Urgent Request to Update Credit Report Charge-Off Status** To Whom It May Concern, I am writing to address an urgent issue regarding the reporting of an account on my credit report. The account in question has been **charged off** by the creditor. I am in the process of reporting the canceled debt as income to the IRS. However, I have not received a **Form 1099-C** from the creditor, which is necessary for accurate tax reporting. Please note this has been Charged off for 3 years! 

Account Details : - Creditor Name : XXXX - Account Number : XXXX - Charge-Off Date : XX/XX/year> - Amount of Debt : {$2400.00} Immediate Action Required : Update Credit Report : - Given that the debt has been canceled, I request that this account be : - Removed from my credit report, or - Updated to reflect that the debt has been settled or canceled. 

Accurate reporting is critical to avoid complications with my credit profile and tax filings. 

2. Lack of Power of Attorney : - The creditor does not have any Power of Attorney to act or report on my behalf. Sole POA belongs to ES RVOC LIVING TRUST. This lack of authorization further complicates the accuracy of the reporting.If this matter is not resolved promptly, I may consider pursuing legal action to enforce my rights and ensure accurate reporting.

Additionally, as a credit reporting agency, you are obligated to comply with the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and completeness of information reported. The continued inaccuracy of this account may constitute a violation of these standards.The incorrect reporting has significant personal and financial implications, making it imperative that this issue be addressed immediately. 

3. IRS Reporting : - Should this matter not be resolved within **15 days** from the date of this letter, I will proceed with filing **IRS Form 3949-A ( Information Referral ) ** to report non-compliance by the creditor. Please note that the creditors willful neglect to report this account as required by IRS statutes since XXXX  further exacerbates the issue. 

4. Legal Implications : - This letter may serve as evidence should legal action be necessary. It demonstrates the reporting agencys awareness of the issue ( inaccurate reporting, Assuming POA, and potential tax implications ). 

Thank you for your prompt attention to this matter.
Product: Credit reporting

Equifax is reporting items on my file that do not belong to me. Someone opened a Citi card in my name and charged up {$3000.00} as well as went to get medical care. I have sent them the identity theft report as well as police report all they do is say verified without sending me any contract or anything with my signature. They are also reporting a Judgement that does not belong to me. I told them these items do not belong to me. Equifax continues to ignore me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : YOU ARE BREAKING THE LAW According 15 U.S. Code 1605- Finance Charge ( a ) Finance charge defined Pursuant to subsection ( A ) Finance Charge Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.

The finance charge is the sum of all charges which is equal to ANY and ALL payments. So when I, XXXX XXXX XXXX, entered into a consumer credit transaction for these accounts, they were paid off at that moment. 

I demand the late payments on the account ( s ) listed below be removed from the immediately. 


XXXX XXXX XXXX to the timing of payments
Product: Credit reporting

Statement from Transunion in the first complaint We have reviewed your complaint along with the information you previously provided regarding this issue. As a result of our research, our records show that your security freeze was placed on your TransUnion credit report on XX/XX/XXXX, in response to your request via the internet. If you would like the security freeze permanently removed from your TransUnion credit report, please submit your request in writing along with the PIN that was provided to you on XX/XX/XXXX. 
In order to verify the accuracy and completeness of the item, we have contacted the source of the information and provided them with any additional relevant data as it relates to your complaint. XXXX # XXXX verified your name, address, date of birth, and social security number as being accurately reported. The current balance was updated from {$1100.00} to {$1500.00} and the credit limit from {$2200.00} to {$1700.00}. The account currently reflects as an open charge account in good standing. 

From Transunion 's Website - what is a Freeze? 

" Placing a freeze on your credit report will prevent lenders and others from accessing your TransUnion Credit Report entirely, which will prevent them from extending credit. With a Security Freeze in place, even you will need to take special steps when you wish to apply for any type of credit. '' First issue - Trans Union says that a Freeze was placed on my file in XX/XX/XXXX. The file has been open and unfrozen since at least XX/XX/XXXX, and that is evidenced by the many inquiries to my file, and the lack of activity from me since and through XX/XX/XXXX, to remove/add back the same. TU has also stated, that I need to lift the freeze permanently, when this was already done by me - in XX/XX/XXXX. 

I attest that my record is corrupted, as even TU 's " FREEZE '' site - says I have no FREEZE, yet the Member Site -- - says there is. In speaking with the reps at TU - they could neither explain the issue, nor recommend a fix to this data issue. 

If - there was a freeze, than TU is now asserting, it has allowed access to my file 40 times, in the last 2 years with absolutely no approval or, written or traceable action by me. 

The attached screen shots, show - a " Freeze '' state and then -- -- a " No Freeze '' state from its systems, in the same day. 

The record is corrupted, please simply fix the state of FREEZE/UNFREEZE. 

Secondly - with the update from XXXX ;, the REQUIRED pay history remains incomplete - allowing this Tradeline to be incomplete and inaccurate. The account was opened in XX/XX/XXXX, and NO history exists until the recently inserted " XX/XX/XXXX OK '' status. 

Please either update this record to be complete - or delete the tradeline for it has been left incomplete and now wholly inaccurate. 

Please share a printed, and mailed credit report as I do not agree to online results or reports.
Product: Credit reporting or other personal consumer reports

There are 3 items on my credit report that are not mine. I did not open accounts with XXXX. ive never had an american express XXXX XXXX
Product: Credit reporting or other personal consumer reports

I never gave any written consent to furnish any private information to any corporation. 
As of XXXX XXXX XXXX has reported an account to my credit report of {$8100.00} with XXXX consent from myself. 
Account # XXXX They have violated my rights and have humilated me in front of friends, family and work place. 
My credit went from XXXX to XXXX in the matter of a month do to this fraudulent activity. 
I can not apply for any of my own credit do to this fraudulent activity. 
I exercise my rights using the federal codes and demand these accounts be removed from my report immediately. 
15 US Code 1681c 15 US Code 1692
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting information on me I requested my file which they said they could not verify me and list items on my account which is impossible cant get the file im requesting the new file ref XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Pinnacle Credit Service is attempting to collect a debt from me of XXXX and XXXX and I never establish a contract with this company. And they are reporting negative items on both my XXXX and XXXX credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation RequestAccount Number : XXXX To Whom It May Concern, I am writing to formally request validation of the debt referenced above as required by the Fair Debt Collection Practices Act ( FDCPA ). I have received communication regarding this debt, but I am requesting that you provide written proof to substantiate its validity. 
Please provide the following information : XXXX. The name and address of the original creditor. 
XXXX. A copy of the original contract or agreement showing I am responsible for this debt. 
XXXX. An itemized account of the debt, including how the balance of {$1000.00} was calculated. 
XXXX. Proof that you are authorized to collect this debt. 
XXXX. A complete payment history, including all charges and credits applied to the account. 
In accordance with the FDCPA, I am requesting that all collection efforts on this debt cease until you provide the requested information. 
Additionally, please note that I am aware of my rights under the FDCPA. This letter is not an acknowledgment of liability for this debt. I request that you communicate with me in writing only and that no phone calls are made to me regarding this matter. 
Please send all correspondence to the address listed above. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I got my wallet stolen and my social security number was in there. My identity was stolen and did not make these inquiries .I need these inquires removed off my credit as soon as possible. 

The accounts names and dates of the unauthorized inquires are listed below. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

The creditor known as Continental Finance, XXXX, and/or XXXX has reported inaccurate information on my credit reports. The creditor mentioned above reported my account with them as being 30 days past due in the month of XXXX XXXX. This information is incorrect because I made a payment of {$250.00} on XXXX for recent charges to my account that were not yet due. The only charge on my account that was due on the XXXX due date was a {$10.00} fee " MONTHLY MAINT FEE XXXX DE ''. This is confusing because I pay an annual fee to cover the servicing of my account already. In any event, the {$250.00} payment should have covered this fee. This payment was withdrawn from my checking account by XXXX XXXX on XXXX, but was not applied to my account with them. It is also worth noting that I also made a payment in the month of XXXX. I 've contacted them via phone about the 30 day late on my account and was given a mailing address. I sent correspondence via certified mail on XXXX XXXX, XXXX, XXXX, but got no response. USPS Tracking Results show the package as being delivered on XXXX XXXX, XXXX, XXXX. On XXXX/XXXX/XXXX I sent letters out to the credit bureaus disputing the 30 day late. The creditor " validated '' the accuracy of the 30 day late with the credit bureaus. The creditor then sent me a letter requesting proof that I made the payment. I then got a print-out from my bank showing the debit from my account by XXXX XXXX confirming what I told them previously. I mailed it to them on XXXX/XXXX/XXXX, XXXX. USPS Tracking Results show the package as being delivered on XXXX XXXX, XXXX, XXXX. I 've received no correspondence from them as of today. I am reaching out to the Consumer Financial Protection Bureau to assist me in getting this issue rectified. I am most appreciative of your services and look forward to working with the creditor to get this matter resolved.
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. 

XXXX  Account # XXXX XXXXXXXX XXXX XXXX  and Account # XXXX XXXXXXXX XXXX XXXX, and Account # XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

This is one of my numerous 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. XXXXXXXX XXXX XXXX XXXX. Please remove this account immediately.
Product: Debt collection

Stenger and Stenger is the alleged lawfirm representing XXXX XXXX XXXX  an entity I do not know of. I tried contacting lawfirm at XXXX. I was prompted that conversation was being recorded and this was an attempt to collect a debt. The rep I spoke with named XXXX refused to give me the following information : who I owed, the amount, and when I incurred the debt. She only wanted to know my employment status and where I worked. After accidentally providing her with some information I declined answering anymore of her questions until she answered mine. She refused to answer my questions as I repeated them. She eventually hung up on me.
Product: Credit card or prepaid card

A collection agency ( Jefferson Capital ) says I owe money from an account I never had. They say I had a card from XXXX XXXX  XXXX XXXX. I live in Virginia and have never been to Delaware. I checked online and this " bank '' was shut down by the Feds for fraud and money laundering. Apparently, they stole my info and opened a line of credit in my name. Now they no longer exist and Jefferson Capital says they bought the debt and want their money. This is all a big scam. How can I fix this?
Product: Student loan

I looked at my statement and noticed that the beginning balance is $ XXXX less than the current balance. I called MOHELA to find out why and they said it was due to my forbearances. After 30 minutes of math on the phone we found out that for each month 's forbearance, they are capitalizing 2 months of interest. Not good. This might be a broader problem than just a problem for me, but it is costing me $ XXXX because they are capitalizing double the interest on my account and the accounts of others.
Product: Credit reporting or other personal consumer reports

I am filing to have EXPERIAN reinvestigate inaccurate accounts on my consumer reports. I want to ensure that the receive my disputes and comply with my request.
Product: Credit reporting or other personal consumer reports

while looking into my credit credit report XXXX XXXX I noticed some accounts weren't accurate nd incomplete. According to the FCRA when a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the person who the report relates this account : XXXX XXXX XXXX XXXX # XXXX I never had an account with this company, also the dates and amounts are different on my credit reports. 

XXXX XXXX XXXX Account # XXXX The dates and amounts reporting are incorrect XXXX XXXX XXXX ACT # XXXX the dates and amounts are incorrect. 

XXXX acct # XXXX dates and payments are incorrect and this is too old to be on my credit report. 

I've sent letters to these companies asking them to reinvestigate these accounts. I got response back but notice nothing was modified which is a violation of 15 USC 1681i ( 7 ).

They also violated 15 USC 1681i ( 5 ). 

I also have incorrect personal information like my home address and last name attached is my ID with my correct address and name.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request to Remove and Block Fraudulent Information Under Section 605B of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to inform you that I have been a victim of identity theft. This letter is a formal request pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, to remove and block all information from my credit report that resulted from fraudulent activities conducted by an identity thief. 

Please note that some of the fraudulent accounts or inquiries may list names and addresses that differ from my own. These discrepancies are a direct result of identity theft. The name and address deliverable to me by the United States Postal Service ( USPS ) are as listed at the beginning of this letter. For verification purposes, I have included copies of documents that prove my current residence, such as a utility bill and a government-issued identification card. 


To assist you in identifying the fraudulent information that needs to be blocked from my credit report, I have provided below the details of the accounts and inquiries that were not authorized by me : Enclosed with this letter are copies of the following documents, which support my claim of identity theft : XXXX. XXXX XXXX a. Account Number - No Account Number -Theft XXXX b and account number Not fully listed or accurate Violates FCRA Please Block and Remove b. Date Opened - XX/XX/XXXX XXXX Balance- {$20000.00} XXXX. XXXX a. Account Number - -Theft 605 b and account number Not fully listed or accurate Violates FCRA Please Block and Remove b. Date Opened - XX/XX/XXXX XXXX Balance- {$3000.00} A copy of my identity theft report or a police report indicating that I have been a victim of identity theft. 

Proof of my identity, which includes a copy of my government-issued ID and a utility bill showing my current address. 

A list of the fraudulent accounts and inquiries ( listed on the other Letter ), as mentioned above.

Under Section 605B of the FCRA, I request that you remove and block the aforementioned fraudulent information from my credit report within four business days of receiving this documentation, as mandated by the Act. Furthermore, please cease reporting the blocked information to any other credit reporting agencies.

I also request a written confirmation from your agency once the fraudulent information has been removed and blocked from my credit report. This confirmation will help ensure that the integrity of my credit information is restored and maintained.

Thank you for your prompt attention to this serious matter. I trust that your agency will take the necessary actions as required by law to assist me in resolving the issues caused by identity theft.

Should you require any additional information or documentation from my end, please do not hesitate to contact me at [ Your Phone Number ] or via email at [ Your Email ].

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

In XX/XX/2018 after reviewing my credit file I noticed an account from XXXX XXXX XXXX {$550.00} that was opened up fraudulently. I contacted XXXX XXXX XXXX XXXX times over two weeks about this account. XXXX XXXX XXXX informed me that they notified XXXX, XXXX, and Transunion on XX/XX/2018 to remove this fraudulent account from my credit file. This account is still on my credit file as of XX/XX/2018.