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

I have already sent in complaints to CFPB about the  XXXX  credit bureaus. I submitted proof of identity theft and what items should be blocked on my credit reports.  XXXX  took care of the situation immediately. However, Equifax and   XXXX   has not. According to the law the items identified as products of identity theft were supposed to be blocked within 4 days. Instead, these companies are going through the normal dispute process and taking 30 days to do so.
Product: Debt collection

Over the telephone, I closed my several years ' long cell phone account with XXXX XXXX which I had been paying off in full monthly and for which I had no contract going forward. I paid the itemized bill that I received within a month 's time of the closing. Several months later having gotten no correspondence in the interim, I received a bill from XXXX XXXX for a single amount due approximately two month 's service, but with no itemization or explanation. When I attempted to review my account on-line it was no longer available. I took no action to pursue their charge, but XXXX has turning over what they perceived as a debt to a variety of debt collectors, the latest being Jefferson Capital Systems ( {$140.00} ). I went to buy a car about 10 days ago and while I did get the 0 % APR car loan, I was dismayed as to how low my credit score had dropped since I had last heard, about XXXX points. I requested my credit report today and while I do n't see XXXX XXXX, I do see Jefferson Capital Systems ( closed ) as another account citing the {$140.00} amount as a reported balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 accounts on my credit that are effecting my score that are not fine and need removed asap from all 3 credit agencies I am writing to dispute the items I have attached in this letter that are on my credit report. I have also included my drivers license to validate my identity. There are multiple items that do not belong on my credit report That I have disputed in the past and you have removed from my credit. Now they are appearing again and my credit has dropped 50 points. These need to be removed and my credit score be updated. This is very disturbing to me as I work very hard, I have insurance and these accounts are not mine that are on my credit. I am not sure why you have put them back on but the other 2 credit bureaus have removed them and I need this updated ASAP In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) Federal Law require your credit reporting agency to verify physical records on file of the original signed account or contract from any accounts you post on my credit report. 

I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on record. I have listed the accounts below, in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. 

I formally demand the following negative accounts be verified, and/or removed immediately. 
XXXX XXXX  XXXX First Federal Credit XXXX XXXX XXXX XXXX XXXX First Federal Credit XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending to formally dispute an entry on my credit report related to an account with a {$0.00} balance. The account in question is currently labeled as a charge-off, despite having been paid in full with no outstanding balance. I kindly request the complete removal of this erroneous entry from my credit report. 

The specifics of the disputed account are as follows : 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 I have observed that the inaccurate reporting of this account as a charge-off with a {$0.00} balance is negatively impacting my credit score and financial well-being. This misinformation is not only misleading but also has the potential to impede my access to credit and financial services when needed. 

Efforts have been made on my part to rectify this situation by ensuring the account is fully paid, with no remaining balance. Consequently, reporting this account as a charge-off is unjust and misleading. I am fully compliant with my financial obligations and am entitled to an accurate reflection of my creditworthiness. 

In accordance with the Fair Credit Reporting Act, I kindly request a prompt investigation into the accuracy and completeness of this entry. Additionally, I ask for the results of this investigation within the stipulated timeframe outlined by the Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX GEORGIA XXXXXXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU HAVE XXXX THE LAW. 
I notice that you placed incorrect information in my consumer report. Any late payments are considered a transaction and experience, which is prohibited from being reported on my consumer report. Also, if you are going to report payment history, being late starts at XXXX days and you have it starting at XXXX days late. There are only XXXX days in a month so how could I be current on payments XXXX month and XXXX days late the next month. 35 % of my calculated consumer score comes from Payment history and by you reporting incorrect information you are letting others know I am not creditworthy. 

Below is the law you have broken and violated my rights. 

Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER III - CREDIT REPORTING AGENCIES 1681a. Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. XXXX XXXX XXXX In general. The term consumer report means any written, oral, or other communica-tion of any information by a consumer reporting agency bearing on a consumer 's credit worthi-nessXXXX credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the pur-pose of serving as a factor in establishing the consumer 's eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 

( XXXX ) Exclusions. The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( I ) report containing information solely as to transactions or experiences between the con-sumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affil-iated by corporate control; or ( iii ) communication of other information among persons related by common ownership or af-filiated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; As you know, each violation is up to XXXX. Not including the actual damages done to me for not being able to get the house I wanted, paying high car notes because of the interest rates, and not being able to get other things. I want you to fix this immediately and compensate me for the damages you have done to my reputation.
Product: Credit reporting or other personal consumer reports

Date : XXXX Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by TRANSUNION. 
Despite my previous correspondence ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, TRANSUNION has not conducted a proper investigation nor provided the required documentation.

Reasons for Complaint : 1. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information.

o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information.

o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights.

2. Violation of the TILA : o Disclosure Requirements : [ TRANSUNION ] failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements.

3. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record. 

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : XXXX. Creditor Name : Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX below the inaccurate information persistently affecting my credit report.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the following accounts. XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Product: Credit card or prepaid card

last month I file a fraud charge to my credit card company about the charge, the fraud department said that they will take care everything to me but on this month they charge me another interest I call them and they said that because the purchase I said the payment I pay is enough to cover but they said that's no way they can do and the fraud department guy name XXXX yield on me say they won't do anything for me made me so up sad.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE BANK USA N XXXX Date Opened XX/XX/12 Balance {$0.00} I'm just concerned about the validity and consistency within your present research and the delayed payments pertaining to this particular account and also how it is reporting on my credit report. About 45 days ago I asked for an evaluation due to the fact I noticed the item seriously isn't being documented recently. To my big surprise I received a document announcing that your investigation was accomplished and that the item had been " determined as exact. Placed under Section 1681 ( g ) take the time to render me with a summary of the method employed to prove the account is " accurate '' and supply me the name and addresses of persons phoned in every regulatings in the FCRA.
Product: Debt collection

Ive disputed and reached out to this company for violating my consumer rights. As well as illegally reporting this negative item to all 3 bureaus, not validating alleged debt with ORIGINAL creditor, and trying to collect on a time barred collection. 
They are also not licensed to collect any debt in my state. 

XXXX XXXX XXXX violating my rights based on these laws : FCRA 605B ( 15 U.S.C. 1681c-2 ) I am contesting this entry as it was added without my authorization. According to FCRA 605B, they are required by law to obtain my consent before including any information on my credit report. 


Ive also sent in an invoice to have momentary damages paid out.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX  XXXX, PA XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX Transunion :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : Transunion : Validate Account XXXX Account Number : Please investigate and delete from my credit report. 


XXXX  XXXX XXXX  XXXX XXXX, TX XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX XXXX  :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : XXXX  : Validate Account XXXX Account Number : Please investigate and delete from my credit report. 


XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX XXXX  :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : XXXX  : Validate Account XXXX Account Number : Please investigate and delete from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ACCT # XXXX WORLD FINANCE CORPORTATION you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 


As defined by the IRS Even if you didnt receive a Form 1099-C, you must report canceled debt as a 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 Canceled debt or Charge off is Income. The reporting of this account as a debt is inaccurate.

15 U.S. Code 1681s2 Says you WORLD FINANCE CORPORATION are a furnisher of information to a consumer reporting agency.

You ARE PROHIBITED BY LAW to furnish accurate information. I demand you to Cease and Desist the reporting of incorrect/in accurate 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. 
You are hereby put on NOTICE that you are furnishing incorrect inaccurate information. 

The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1.

The above paragraph is taken directly from the IRS 2021 publication.

SEND ME FORM 1099-C that you should have sent when you Filed the account as a canceled debt.

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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 
Duty : a moral or legal obligation ; a responsibility. 
Accurate : correct in all details ; exact Prohibition : a law or regulation forbidding something. 

In conclusion I have shown you and you have been put on notice that you are reporting Inaccurate information. The information is, in fact, inaccurate. 

The continued reporting of this INACCURATE information is a clear violation of the XXXX XXXX XXXX XXXX XXXX of your responsibilities as a furnisher of information. 

You have caused me and my family severe harm due to your negligence and INACCURATE reporting. This is a final opportunity to Cure and DELETE this Erroneous, inaccurate account from my XXXX report.
Product: Checking or savings account

On the XX/XX/2019 a savings account was closed at Capital One 360 and the remaining amount to be mailed out is {$480.00}. The customer service representative stated that it should take between 5 to10 business until receipt of the check. It is now XX/XX/2019 and I have yet to receive the check from Capital One 360. I have called several times to check on the status to no avail. Customer service keeps bouncing me to another department that handles the account that is either never available, and never gets back to you when leaving a message. It is now close to a month of dealing with this bank with this issue, and yet nothing is being resolved. I just want my funds made available as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on my credit under a collection agency XXXX. I have never had XXXX XXXX  and this needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I disputed reference number XXXX and reference number XXXX Privacy Act of XXXX  Violations with XXXX, XXXX and TransUnion. I mailed my disputes by certified mail with the United States Postal Service. The results came back as Verified by the XXXX  XXXX XXXX XXXX XXXX Illinois. I then wrote a certified letter to the Bankruptcy Court asking to provide the procedure in which the Court verify records with the Credit bureaus. I received a response from the Bankruptcy Court on XX/XX/XXXX stating that they is not responsible for verifying or validating any information from Consumers credit files. I then proceeded to write a letter to XXXX, XXXX and TransUnion on XXXX XXXX requesting that the two accounts be deleted from my credit report. I also send a copy of the letter from the Bankruptcy Court. Today is XX/XX/XXXX. I have not heard anything from XXXX, XXXX and TransUnion regarding this matter.
Product: Debt collection

I received a letter from Allied International Credit Corp stating they were attempting to collect a debt from XXXX. The account number was starred out so I could not see it. When contacting XXXX, I was told that I had no outstanding invoices. When I called the company they simply insisted I pay the debt. I can not verify the information on the letter. I want to be sure this does not negatively effect my credit.
Product: Checking or savings account

I am writing to express my concern regarding several issues with my recently opened accounts at the Schwab bank. 

Firstly, my new accounts have been frozen, which has resulted in my inability to access my online account there or my funds, including approximately XXXX XXXX dollars in my checking account. I called the toll free number 5 times last week. I joined around XXXX. 

Secondly, a money transfer from my outside account by me was cancelled after I had already set up the transfer external bank using the standard two small test deposits required by banks.

Thirdly, ( while their website provides instructions for online bill-pay and account information, ) they cancelled a bill pay to my XXXX credit card. All the accounts are mine. 

Lastly, I have been unable to connect with their fraud department directly. Instead, according to the toll-free number representatives, I have been asked to wait for them to call me. Having unknown people call me and leaving messages on voicemail which I find concerning given the prevalence of TV news reports say caution when someone called for info to your cellphone. Calls involving unknown callers claiming to represent banks may or may not be real. Im XXXX years old.
Product: Credit reporting or other personal consumer reports

My credit report Experian have a 30 days late and XXXX XXXX account, wish XXXX have it reporting correctly pay a time I would like Experian to fix it under the fair credit Act.