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

In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my request. All the data is still the same and not even the same per bureau. My attorney suggested I file this complaint. 

Account items in question. XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX & XXXX
Product: Vehicle loan or lease

Car was total loss on XX/XX/2020 and the insurance company sent a payoff check on XX/XX/2020 for {$11000.00}. The payoff has not been applied and I tried to contact them and they dont know when it will applied and they have hang up on me and provided little to no information. In the meantime they raise the amount due to almost {$1000.00} and keep milking the fees and interest instead of applying the payment. I been denied car loans because the car is not paid off yet due to their incompetence. This issue is with Ally Auto.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.When I check my credit report there was 2 late payment. 
In the case of XXXX XXXX XXXX, I never late over 6years.

Actually, my mon passed away because of XXXX XXXX, I had to be out of state, I didn't know late payment. ( XX/XX/2020 ) When I call XXXX XXXX XXXX, I canceled the arrears caused by Covid 19.

But I found this late payment wasn't removed. 

2.I found 1 late payment of XXXX account almost over 10 years ago. 
In my opinion, any record over 7 years ago should be removed. 
I paid off this account. 

And these 2 accounts remain on my credit report as hard delinquency.

One of the records was waived, the other record was over 10years paid off the account. These accounts that were saved by information and covid 10 years ago still remain on the record.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX text received from number ( XXXX ) XXXX Alerts- chase fraud : did you make a wire transfer for {$5300.00} from online access account on XX/XX/XXXX? if no, visit https : XXXX for further assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not remove 2 collection accounts that do not belong to me. 

XXXX XXXX XXXX XXXX was reported on XX/XX/2021 of {$1900.00}. I contacted this creditor and they told me that this account does not belong to my name, social security number or birthdate. They said they do not know why this is showing on my credit report, I disputed this collection twice. Nothing has been removed. 

XXXX XXXX XXXX was reported on XX/XX/2021 of {$490.00}. I also contacted this creditor and they told me that this account does not belong to my name, social security number or birthdate. They also stated they do not know why this is showing on my credit report, I disputed this collection twice. Nothing has been removed. 

XXXX XXXX XXXX stated they would launch an investigation and the general manager XXXX XXXX XXXX XXXX extension XXXX ) told me that this account belonged to someone else and they reported that to equifax but nothing has changed! 

My credit score dropped, if I want to use my credit to purchase anything, my interest rate will increase due to open collection accounts that are not mine and I may even be denied for a loan because of equifaxs negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to request the removal of accounts from my credit file as an authorized user. The reported information associated with these accounts are no longer accurate or relevant. Upon reviewing my credit report, I have discovered that the aforementioned accounts continues to be reported, despite the outdated nature of the information. As an authorized user, it is crucial for me to ensure that my credit file accurately represents my current creditworthiness. Therefore, I kindly request your assistance in thoroughly investigating these matter and promptly removing the outdated accounts information from my credit file : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}. I have taken the time to review my credit report and gather supporting evidence that clearly demonstrates the inaccurate and irrelevant nature of the reported information. I have attached these supporting documents for your reference and evaluation.
Product: Vehicle loan or lease

XXXX of 2023 I had a truck I volunteer to turn the truck in because I loss my job they sold the truck at auction and now I have a remaining balance on the truck
Product: Credit reporting or other personal consumer reports

I have unathurized inquires on my Transunion credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received a response from the credit reporting agencies on any of my disputes. 

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 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Fair Resolution To this Issue?

Delete These Accounts Immediately
Product: Debt collection

XXXX XXXX had a prior collection account with XXXX XXXX XXXX for attorney fees that was then transferred to XXXX XXXX XXXX. Payment arrangements had been set up with XXXX XXXX including an agreement to hold interest. The account was then sold, when the original debt collection agency went out of business, without our knowledge. We had no idea who XXXX XXXX XXXX was or that they had assumed responsibility for the debt. Prior to their communications, a check in the amount of {$1000.00} was sent to and cashed by XXXX XXXX XXXX. 

XXXX XXXX XXXX has now contacted us on multiple occasions. Their most recent communications include contacting XXXX XXXX at XXXX on the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and three times on XX/XX/XXXX. During each of these phone calls and voice mails they failed to notify us that this was an attempt to collect a debt. When returning their call to learn more about why they were contacting us, we became aware that an additional {$600.00} had been added on in " interest and fees ''. The gentleman on the phone stated he was " doing us a favor '' by applying our {$1000.00} payment to principal. We asked for an explanation regarding how the additional fees had been assessed stating that they could not just add fees without justification. The gentleman on the phone at that time stated " Actually we can and we will ''. We asked XXXX XXXX XXXX how we could arrange to pay on the account, what they were willing to do to work with us, and were told that we would have to make them an offer, then they would decide if they would accept. 

They failed to notify us in writing of the debt until XX/XX/XXXX. Further, on their statement they allege that the last payment received was XX/XX/XXXX although multiple payments have been made since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX, PA XXXX. I am contacting the bureaus ( Experian ) today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and unfrozen my credit report I waited to ask advance Americanet for a installment loan the following at and was denied because XXXX credit was frozen I called and it was.. I did it again happened three times finally got past it then they denied me because suspect fraud... back and forth phone tag getting me happy.I really needed some help but no one would in my credit report is froze because of data breach my information got all over the web few years ago and still just going farther in the hole they just really didn't treat me fairly and can't get myself out of this financial bind please help me
Product: Debt collection

Gold Key Credit Inc is attempting to collect a debit of {$710.00} from me that is not mine or owed, I will keep fighting until this is off my credit.Its against my rights and illegal my name is being slandered for something that is not mine remove it.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says we must erase wrong accounts from my credit report. Can you look at the papers? Some listed accounts have wrong info about payments, amounts, and dates.
Product: Credit reporting or other personal consumer reports

Hi. These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Experian and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Product: Credit reporting or other personal consumer reports

I noticed this collection on my credit report that I did not authorize, it was fraudulently and inaccurate reported..Account name XXXX XXXX account XXXX XXXX. I also asked for a thorough investigation for this matter and to send me original documents with my signature signed by me stating I own this collection from the original creditor.. NOTHING WAS DONE OR CHANGED ON MY CREDIT REPORT BUT NOTED IT WAS ACCURATE WHICH CAN NOT BE. I DON'T PERMIT THIS ACCOUNT ON MY CREDIT REPORT AND I WANT THIS ACCOUNT XXXX XXXX Account Number # XXXX DELETED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a copy of Form 1099-C ( Cancellation of Debt ) for my secured card account, which has been inaccurately reported as charged-off on my credit report. Below are the relevant details regarding the account : Account Holder Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Date of Charge-Off : XX/XX/XXXX ( as reported, though disputed as inaccurate ) Charged-Off Amount : {$200.00} Credit Limit : Not Provided Highest Balance : {$500.00} Last XXXX Digits of XXXX : XXXX Per IRS regulations ( Section 6050P ), you must issue Form 1099-C for canceled debts of {$600.00} or more. I need this form for my records and tax compliance, as the reported charge-off of {$200.00} may have tax implications, particularly if aggregated with other canceled debts or if IRS rules apply differently. 

However, I am actively disputing this accounts status with credit bureaus and the CFPB, as the charge-off and past-due status ( reported as {$200.00} written off and past due as of XX/XX/XXXX ) are false. I made consistent, on-time payments until XX/XX/XXXX, and the sudden reporting of delinquencies ( XXXX  days past due ) and a charge-off is a blatant misrepresentation. This has devastated my credit score, denied me credit opportunities, and caused financial hardship, which I am addressing through ongoing disputes.

If Form 1099-C has not been issued, provide a written explanation detailing why, with supporting documentation for the charge-off. Clarify any outstanding balance, whether the debt was sold or assigned, and if further action is required. I am concerned that failing to issue this form, if applicable, violates IRS requirements and complicates my tax filings. 

Please send the requested documentation to the address above promptly, no later than 15 business days from receipt. Contact me at XXXX or XXXX if needed. I expect your immediate and thorough response to resolve this critical issue. 

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

Im opening this complaint because Im having an issue with my XXXX XXXX XXXX. Please see the following details : - Approximately a month ago Id learned the somehow XXXX  XXXX XXXX was given a dispute letter which was intended for and submitted to XXXX XXXX. 
- First, I dont know how XXXX  XXXX XXXX receives a copy of a letter pertaining to a loan that does not belong to them. 
- Secondly, I dont know why representatives at XXXX  XXXX XXXX did not thoroughly read the letter upon its receipt as it named a private lender who it was intended for who is not XXXX  XXXX - Instead, XXXX  XXXX XXXX has removed my Student Loan Information from my credit as of to date - That means Im now not getting fair credit reporting on students belong to me as I am still responsible for paying the bill each month - Ive now contacted XXXX  XXXX twice regarding this issue. Once approximately in XX/XX/2019 and the other on today XX/XX/2019 - I dont remember who I spoke with in XX/XX/2019. The person I spoke with today is named XXXX. His ID is XXXX. 
- The reason has become a XXXX XXXX XXXX issue now is because XXXX XXXX XXXX didnt read the letter for XXXX when they first mistakenly received it. 
- Even after I called them about the mistake in XX/XX/2019, they still didnt get the manner handled properly This was so very simple and could have been avoided. All the original area /representative who received the letter needed to do is realize the letter was meant for another company ( private ) and not meant for XXXX  XXXX XXXX XXXX Instead, all or portions on My student loan information got removed from my credit report ( s )  which is very damaging as it has caused a major drop to my credit score right during my home search and buying process. XXXX XXXX is now showing as a closed account when it is not. This is not fair to me as a consumer making payments on my XXXX  XXXX accounts. Im not happy about this as Im sure no one else would be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fact : XXXX XXXX XXXX ( Original creditor : XXXX ) reported A Derogatory on XX/XX/XXXX of a collection/chargeoff in the amount of {$420.00} Account # XXXX (? ) to XXXX. ( I discovered this by running my personal credit report with scores on XX/XX/XXXX using XXXX ) Fact : I had used XXXX as my auto insurance carrier for many years and was in good standing fully paid when my most recent policy ended XX/XX/XXXX. Several phone calls to XXXX Accounting Department XX/XX/XXXX and XX/XX/XXXX showed no collection reported against my personal name and no collection ever pursued against my company who purchased auto policies these last few years. they searched by name, drivers license, phone numbers, social security, and business name. 
Fact : XXXX provided a contact number for XXXX XXXX XXXX XXXX which I called and XXXX XXXX XXXX could not find me in their records by personal name ( I have a very uncommon and long last name ), phone numbers, social security or by my company name which held several years of auto policy history with XXXX.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining. The following inquiries must be removed from my credit report IMMEDIATELY : - XXXX XXXX || DATE OF INQUIRY : XX/XX/year> - XXXX XXXX || DATE OF INQUIRY : XX/XX/year> - XXXX XXXX XXXX XXXX || DATE OF INQUIRY : XX/XX/year> - XXXX XXXX || DATE OF INQUIRY : XX/XX/year> - XXXX XXXX  XXXX XXXX DATE OF INQUIRY : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request corrections for inaccurate information present on my TransUnion credit report. On XX/XX/XXXX, I initiated contact with TransUnion regarding the following discrepancies, and as of the present date, I have not received any response. I hereby provide the relevant details of these inaccuracies, along with my requested corrections : Account with XXXX XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$560.00} ) : This account was never late. 
Please update this inaccurate information on my credit report. 

Account with XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) : This account is not mine. 
Please remove it from my credit report. 

Account with XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$25.00} ) : The reported balance of {$25.00} is inaccurate. 
The Past Due amount should not be presented, as this account is closed and charged-off. 
Please mark this account as disputed while I resolve my dispute with the creditor. 
Verify the Date Opened, Date of Status, and First Reported. 

Account with XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} ) : This account is not mine. 
Please remove it from my credit report. 

Account with XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00}, Original Creditor : XXXX  ) : This account is not mine. 
Please remove it from my credit report. 

Account with XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) : This account is not mine. 
Please remove it from my credit report. 

Account with XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} ) : This account is not mine. 
Please remove it from my credit report.
Product: Debt collection

My brother XXXX XXXX had a lease with this property. I stayed with him for a couple months so he had to put me on the lease. Before XXXX XXXX lease was up i moved out of this apartment. I have tried several times to advise creditor that XXXX XXXX is taking full responsibility in this debt as he was the one living there. I was suppose to be removed from the lease as i did not live there. For whatever reason this company did n't get a termination letter so still want to keep this is my name when clearly I had a lease with real estate XXXX in XX/XX/XXXX till XX/XX/XXXX. At the beginning I called them trying to work something out thinking that for the time I was there I owed something. Shortly after I investigated the entire situation and realized they 've made a mistake. I want this company investigated and shut down I already filed a complaint with them before plus with the credit bureau having them investigate 6 times but they just try to send it back to them. I want someone to be done. XX/XX/XXXX they are accusing me and its XX/XX/XXXX??? Really they are that thirsty for commision bc their scams are n't working so they attack the ones that actually calls them trying to resolve thinking that they will talk them into paying whatever they say. Please review closely and this time you have my permission to shut them down. This account is in my name in error and needs to be removed. I have investigated this for a couple years now and have found my lease on where i lived at in this pro
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vunerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Kindly ensure the unauthorized accounts are blocked and removed from my credit report promptly. I did not authorize or open these accounts and have no knowledge of their origin. Under USC 1681g, I formally request their removal within 15 days. I have included all relevant documents for your review and reference.