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

Dear CFPB, I am writing to dispute the accuracy of XXXX charge-off entries on my credit report, as required under 15 USC 1681 ( e ) ( B ) of the Fair Credit Reporting Act ( FCRA ). The following accounts are listed as charged off : XXXX. XXXX XXXXXXXX XXXX Reported on XX/XX/XXXX, in the amount of {$2200.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, in the amount of {$2200.00} XXXX. XXXXXXXX XXXX XXXX  Reported on XX/XX/XXXX, in the amount of {$3000.00} The respective lenders have written off these accounts. The lenders have determined that they will not pursue collection of these debts and have classified them as canceled or forgiven. My tax records will reflect this status through a 1099-C form, indicating that these debts have been officially forgiven and are considered resolved. 

These accounts were charged off, but should not be reported as derogatory items. The lenders have acknowledged that they will not collect the debt and have classified it as canceled or forgiven. This means that the debts will be reported to the IRS as discharged, and I have received three 1099-C forms for tax purposes as proof. Consequently, the debt is considered canceled or forgiven and has been reported as income on my taxes. 

Since canceled or forgiven debt is reported as income and not as a derogatory mark on a credit report, having these accounts listed as charge-offs is incorrect. These listings inaccurately affect my credit profile and should be updated to reflect that the debts have been resolved or forgiven. 

Including this information on my credit report as derogatory violates the FCRA, which mandates that credit reports must not include income or tax-related data. Therefore, reporting these forgiven debts as charge-offs not only misrepresents their status, but also constitutes an inaccurate and unlawful entry on my credit report. 

According to the FCRA, credit reports must accurately reflect a consumers credit history and should not include income or tax-related information. Since these debts are no longer collectible and has been reported as canceled on my tax records, they should not be listed as charge-offs or derogatory items on my credit report. Reporting them in this manner violates the FCRA and inaccurately affects my credit profile. As such, since these debts are canceled or forgiven and has been reported to the IRS as discharged, they should not appear as derogatory items on my credit report. Reporting these debts as charged off is incorrect and misleading. I request that these entries be corrected or removed from my credit report to reflect their status as written off and forgiven accurately. Enclosed are copies of the relevant documentation, including the 1099-C forms or other proof of debt discharge.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Experian is improperly reporting a debt without knowing if XXXX XXXX has met their obligations under the Fair Debt Collection Practices Act ( FDCPA ) Federal law prohibits debt collectors from reporting a debt to a credit reporting agency without first speaking to the consumer or sending a debt validation notice. I never once spoke to this company or got a letter about this debt before they started illegally reporting and experian just allowed this to happen without checking if they abided by federal laws. They are damaging my credit unlawfully!
Product: Money transfer, virtual currency, or money service

I am writing because error message not allowing me login access. XX/XX/2021 I emailed cash app support seeking help with a password reset. CashApp failed resolving my login issue. I know about technology. CashApp does not provide the level of customer service I am looking for. I specifically told the company about what my login issue was that my phone was stolen connected with number XXXX and that I am accessing my cashapp with number XXXX. CashApp gave impossible instructions stating " Scroll down and tap Sign Out ''. Why would CashApp tell me to update my phone number on my account when the very reason I contacted their customer service was because I could not log in? This unacceptable technical support is frustrating my plans because I need my money added immediately! I live on skid row DTLA. I get {$100.00} a month from California General Relief " GR ''. I can't afford paying the bank fee on a checking account with XXXX XXXX because of XXXX capitalism in XXXX " economic genocide ''. I am poor financially because of my XXXX XXXX. Four times I reached out to cashapp. I have attached three email attempts that specifically stated the login issue. my failure conversation phone call was with XXXX from XXXX XXXX competed my efforts of resolving my login issue directly with CashApp. XXXX stated that if I dont create a new account then their is nothing that can be done on their in regarding recovering my login. I explained that already new accounts have been created and that is not what I want to do every time I have trouble logging in and that I disagree that the only solution is creating a new account. Further CashApp should not be in business if they can not support the existing customers they have. I specifically stated my account recovery on my app and website was asking to verify the credit card connected with number XXXX stating " please verify card ending in XXXX '', I emailed customer service stating that my phone number XXXX activated with a Mastercard ending in XXXX via email and telephone I asked CashApp why their system would ask me to verify an old credit card on file that is not active? Cashapp 's phone support couldn't answer and agreed that was strange however provided no solutions. CashApps system does not provide specific internal error code messages that would help their phone IT support know which field of information is triggering a lockout on their end. I then began demanding to speak with a developer regarding their technology and account login lock out. Supervisor XXXX disconnected my phone call because I refused her advice of creating a new account.
Product: Money transfer, virtual currency, or money service

My account is negative because of an XXXX and I need to add money and XXXX XXXX wo n't let me
Product: Student loan

I have private loans through Navient. They are non stop harassing me for payment. I have been struggling to make these payments for years. The loans were originally from a school that closed due to fraud and predatory loan servicing. 
I was misinformed/misled about loans while in school and was told only way to continue education was to get a private loan. This was mid semester within the first year of attending after I already applied for federal loans I had been approved for. I believe this was a discriminatory act from the school and took advantage of me because I was a first generation XXXX  speaking student. 
This school had a class action suit against it from similar stories from other students in regards to loans needed to continue education. I would like help getting these loans canceled.
Product: Credit card

While on XXXX an American Express card was cloned. 
Part of an identity theft. I tried to work with Amex they refused to assist. On a weekly basis my bank pays Amex. Amex refuses to speak to me. They say there is a collection agency handling. I have never received anything in writing from anyone other than Amex after the fact saying the account was closed. After I complained that my credit report was not reflecting my payments in accordance with Amex 's agreement Amex charged off the card. Essentially, they accepted a plan due to the complex situation and then acted as if it never was agreed. I 'm continuing to do exactly as agreed. Amex receives money weekly, but I can not log in and have no proof other than I get a balance email from Amex. I 've written over and over and called Amex over and over they refuse to speak with me. The only organization worse is XXXX that essentially did the same thing minus the charge off. Every 6 months a person from the collection agency will call and try to get me to pay a lesser amount and " close the account ''. Today they called offering me another Amex card if I paid off the {$1700.00} or so owed. I 've paid over {$3000.00} just as agreed. However, this alleged collection agency will not send anything in writing. On my credit reports it shows no payments being made. I really do n't know what to do other than to keep sending weekly payments to Amex as agreed. It 's the honorable thing to do. This fraud situation has destroyed our lives. We have no rights these banks can do whatever they want. If you think it can not happen to you I am living proof that is not true. So we will keep paying just as we promised Amex until we execute our agreement with Amex. I 've filed a congressional investigation seeking to expose Amex and the puppet credit bureaus that are tools keeping people enslaved to debt. I know nothing will happen, but the offer of a " new '' card today was more than I can take. We just keep paying just as agreed. Just look at the date closed and date charged off. We never missed a payment. Amex just got angry that I filed a dispute as my payments were not showing up and punished me by charging off the card. Vindictive hubris. XXXX
Product: Mortgage

Hello, Re : XXXX Hello, In late XXXX, my wife and I reached out to Guaranteed Rate to refinance our current house, as rates were great and want to take an advantage of that. Initial conversation were ok, as I quickly collected all required documents to start this process, and within a few days we had everything ready. At that time I was advise that this should not take long. On XX/XX/XXXX we got an email from Guaranteed Rate that our loan was conditionally approved, and conditions were : subject to accept by Guaranteed Rate, and for them to obtain clear title report. With only two small items we were further advise that we will close the loan by XX/XX/XXXX, felt long time but I accepted that information. Around XX/XX/XXXX I have emailed Guaranteed Rate and followed up with a phone call asking for status. Again around XX/XX/XXXX I did the same, email and phone call, both time leaving messages to call me back, still no respond from Guaranteed Rate. Now almost every few days I do the same with no response .... 






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

I was checking my credit report and i found out that there are many information which doesn't belong to me. I checked all details from credit report, and i saw, that you have wrong Date of birth XXXX, CORRECT DOB is XX/XX/1988. 
So i believe, that someone used my personal information to apply for these accounts, please, make sure You will inform all 3 bureaus about this mistake. 
Because these accounts my credit score is very low, i'm not able to apply for any credit cards or loan, and You know, the situation with Covid-19 is very difficult and now is very hard to survive.
Product: Debt collection

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) oversee this process to ensure full transparency and compliance with all applicable regulations. I trust this will foster a fair and thorough resolution between all parties involved. 

I am writing to formally dispute the accuracy of a collection account reported by TRANSWORLD SYSTEMS , INC. on my credit file. Please find the account details below : Creditor Name : TRANSWORLD SYSTEMS, INC Account Number : [ XXXX ] BALANCE- {$1300.00} Under the Fair Credit Reporting Act ( 15 U.S.C . 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that XXXX initiate an investigation into the accuracy and completeness of this account. I also request that TRANSWORLD SYSTEMS, INC provide validation of this debt, including : Verification of the Debt : Details on the amount owed, the name of the original creditor, and an itemized breakdown of how the debt was calculated. 

Proof of Ownership : Documentation showing that TRANSWORLD SYSTEMS , INC has the legal right to collect this debt, including the original agreement with the creditor. 

Notification : A copy of the notice sent to me within XXXX days of the initial communication from TRANSWORLD SYSTEMS, INC, as required by 12 CFR 1006.34. I request proof that this notice was delivered to me with my signature confirming receipt. This proof would demonstrate that I was made aware of the debt and given an opportunity to dispute it.

Under 12 CFR 1006.34 and 15 U.S.C. 1681s-2, TRANSWORLD SYSTEMS , INC is obligated to provide this notice and validate the debt before continuing collection efforts or reporting the debt to credit bureaus.

If TRANSWORLD SYSTEMS, INC can not provide the requested documentation, I request that this account be removed from my credit report immediately. Please provide me with a written response confirming the results of your investigation and any actions taken. I expect your prompt attention to this matter, as it affects my financial standing and creditworthiness. Thank you for your timely response. I look forward to hearing from you within XXXX  days.
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 U.S.C 1681. 

Accounts Has violated my rights, XXXX # XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, 15 U.S.C 1681 section 602 A state I have the rights 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and received a XXXX card in XXXX. XXXX initially reported it as fraud and it was removed from my credit, but in XXXX they recanted and began reporting the debt again as valid which is 3 years after the dispute period and the period for providing proof under the fair credit reporting act. I have had a XXXX XXXX  from being stressed over this fraudulent account. It is reporting on my Experian credit report. This is drastically affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX  Date of inquiry XX/XX/XXXX
Product: Debt collection

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly. Otherwise, remove it from my personal credit file. Thank you.
Product: Checking or savings account

Complaint Filed : Account XXXX Ending in XXXX Direct Deposit Form attached. 

Please return direct deposit {$2000.00} from the US Treasury Department today by XXXX XXXX XXXX I need to retrieve my funds via paper check from The Social Security Administration Field Office by XXXX XXXX Today as instructed by the Social Security Administrator. 

Pleas call XXXX XXXX XXXX for further assistance verifying and retuning the deposit back to originator immediately. 

I am not willing to wait 3 days. I have immediate, urgent, and emergency billing and healthcare needs. Do not withhold my funds. 

Additionally, I would like to process an ID Theft Rebuttal for my Closed and Denied Chime Account Claims. Please provide account statements for XXXX and an accurate dispute resolution process and form XXXX. 

XXXX, XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number Attached Below XXXX Chime Checking. 


Please Reply To : XXXX Business Reply To : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPLAINT FOR : Citibank Na, XXXX XXXX XXXX, XXXX XXXX SD XXXX Phone : ( XXXX ) XXXX An inquiry has been made at a Sears store in the town of XXXX, Puerto Rico without prior authorization. We had seen a sign informing us that we could take articles " without credit inquiry '' because Im interest in " leasing ''. The employee took the data and strategically inquired using the social security numbers of my wife and me. That is against the law and it has been reviewed in XXXX XXXX credit reports. We ordered the elimination of this inquiry as we understand there was " trickery and deception '' of the Sears employee who attended us, we await your prompt attention. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Puerto Rico XXXX Phone : XXXX SS : XXXX Email : XXXX Inquiry details Sears/CBNA Inquiry from  XXXX XXXX, XXXX - Complete Dept. Stores This inquiry could stay on your report until XX/XX/XXXX. See an error? Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Puerto Rico XXXX Phone : XXXX SS : XXXX Email : XXXX Inquiry details Sears/CBNA Inquiry from XXXX XXXX, XXXX - Complete Dept. Stores This inquiry could stay on your report until XX/XX/XXXX. See an error? Find out how to dispute a hard inquiry XXXXnstitution Information No contact information has been reported by this creditor. ** In addition, there are no important data such as address, telephone, institution information, data that are extremely important in these inquiries. 
This is the second advice.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Name RESURGENT/LVNV FUNDING Account Number XXXX The collection agency in question has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), however, they placed a collection on my consumer report. As a result, I am unable to secure much needed credit.

Additionally, I have not been afforded my right as a consumer to dispute this account according to 12 CFR CFR 1006.34 ( c ) ( 4 ) ( I ).

Furthermore, the information provided to the credit agencies is a violation of my consumer rights by using misrepresentation and deceptive means.

Lastly, this collection agency has no authority to furnish any account to the consumer reporting agencies without providing any and all disclosures required by law. The collection agency is in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681S ( 2 ) ( 7 ) ( a ).

I am disputing owing any and all debts and demanding that you cease all communication with me or any other party regarding me.

Additionally, I need a copy of the purchase agreement between you and the original creditor as well as proof that you are licensed and bonded. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

LETTER OF INTENT TO SUE EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XXXX Effective Date : XX/XX/2023 RE : Notice of Intent to File Lawsuit To whom it concerns, This letter of intent to sue shall serve as formal notice that XXXX XXXX XXXX intends to commence a lawsuit against you due to the following : 1. Unauthorized use of personal information 15 U.S. Code 1681b. 
2. Redundant inaccurate reporting, after numerous certified mail disputes 15 U.S. Code 1681n - Civil liability for willful noncompliance/ U.S. Code 1681s-2 ( b ) Reporting information after notice and confirmation of errors 3. There are multiple references of dated, late and missed payments which are a part of transaction history the listing of such is illegal see 15 U.S. Code 1681 ( A ). 4. Inaccurate, unfair and Noncompliant reporting has ruined my image during background checks for security clearances, and the option to rent. Ive personally missed 3 job opportunities over XXXX each due to negative credit shown on my consumer report. Ive also had to consult with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX after XXXX and financial hardship. 
. 
I. The Plaintiff. XXXX XXXX XXXX XXXX. The Defendant. Equifax III. Settlement Demand. 
Equifax Data breach Settlement Claim Number : XXXX As a result of your actions, the Plaintiff seeks relief in the form of a payment in the amount of XXXX XXXX XXXX XXXX ( {$220000.00} ) for psychological, financial, reputational damage. 
This offer to cure and/or settle this matter outside of court and avoid a lawsuit is valid for 30 days from the Effective Date. 
V. Governing Law. This Letter of Intent shall be governed under the laws of the State of North Carolina.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX in the amount of $ XXXX should no longer appear on my EXPERIAN CREDIT REPORT. Last payment date ( date of first missed payment ) reported is XX/XX/2016 which exceeds the ( 7 ) year statue of limitation. Additionally I disputed this account through Experian and contacted the creditor directly requesting removal to no avail.