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

Subject : Immediate Deletion or Validation of Discrepancies Across Credit Reports XXXX XXXX  Account I am filing this complaint to address significant and harmful discrepancies in the reporting of an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) across the three credit bureaus ( XXXX, XXXX, and Experian ). Despite prior disputes, the inaccuracies remain unresolved, and I am requesting proof of the previous investigation or immediate deletion of this account from my credit reports due to its unverifiable nature. 

Account Details : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Discrepancies Identified Across Credit Reports : 1. Account Balance : Reported as {$21000.00}, despite the account being closed since XXXX, with no verifiable explanation. 
2. Last Payment Date : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Experian : Not listed 3. Date of Last Activity : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX 4. Payment History : Ongoing late payments are reported in XXXX ( XXXX & Experian ), despite the account being charged off in XXXX. 
5. Dispute Status : XXXX : Account not disputed XXXX : Consumer disputes after resolution Request for Proof of Investigation : I am now requesting : 1. Proof of the previous investigation conducted by the credit bureaus and XXXX XXXX XXXX XXXX. 
2. A detailed method of the investigation, including : Records of who you spoke with. 
Their business address, name, and phone number.

3. Documentation proving the validity of the late payments and charge-off reporting.

If this information can not be provided within three ( 3 ) days, I am demanding the immediate deletion of this account from all three credit reports and an updated credit report reflecting the removal of the inaccurate information. 

Violations of the Fair Credit Reporting Act ( FCRA ) : The continued discrepancies and lack of verifiable documentation violate the FCRA by : 1. Reporting inaccurate and conflicting information.

2. Failing to validate disputed entries.

3. Manipulating the statute of limitations by updating old accounts with false late payments.

Resolution Requested : 1. Immediate deletion of the XXXX XXXX account from my credit reports if proper validation can not be provided. 
2. Updated credit reports reflecting the removal of this account or corrected information.

Supporting Documentation : I am attaching : 1. Copies of my credit reports from XXXX, XXXX, and Experian, highlighting the discrepancies. 
2. Previous dispute letters sent to the credit bureaus. 
3. Any correspondence related to the XXXX XXXX account. 

Impact on Me : The ongoing discrepancies have caused significant harm to my credit score, limiting my ability to access financial opportunities. This is unfair, misleading, and a violation of my rights under the FCRA.

Thank you for your immediate attention to this matter. I look forward to receiving proof of the investigation or an updated credit report reflecting the deletion of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Hello XXXX professional, This is the XXXX time I am disputing this issue with the below accounts. This is highly affecting my ability to buy a home for my XXXX kids and wife. I need justice as soon as you see this message. The data furnishers are reporting inaccurate information and they never sent me thier full method of verification. See my screenshots below. THEY ARE WRONG, please dont let them keep verifying things that dont pertain to me. If it does not have my full name : XXXX XXXX XXXX XXXX on the account then it is in accurate. IF it does not have XXXX XXXX XXXX XXXX, DE XXXX, or XXXX XX/XX/XXXX on the account it is in accurate. If it does not have the correct dates of activity it is inaccurate. By the FCRA it needs to be deleted. 

Delete the following accounts due to inaccuracies : XXXX XXXX ( XXXX : NOT REPORTED, XXXX : Last Payment XX/XX/XXXX, Equifax : Last payment XX/XX/XXXX ) XXXX XXXX ( XXXX [ NOT REPORTED ], XXXX Balance = {$11000.00}, Equifax XXXX = {$11000.00} ) XXXX XXXX XXXX XXXX  XXXX ( XXXX : Last payment XX/XX/XXXX, XXXX Last payment XX/XX/XXXX, Equifax [ NOT REPORTED ] )
Product: Debt collection

XXXX. Letter sent to XXXX  disputing the negative listing of alleged collection account # XXXX being reported in my credit file, dated XXXX, XXXX. ( Attached ) XXXX. Letter sent certified mail w/return receipt to collection agency Plusfour , Inc. requesting proof of the alleged debt. LETTER WAS REFUSED. ( Attached ) XX/XX/XXXX. Received letter from XXXX verifying the alleged item as accurate. ( Attached ) XXXX. Letter sent to XXXX   requesting Method of Verification. ( Attached ) XXXX. Letter sent XXXX XXXX " Signature Required '' w/Notarized Certificate to collection agency PlusFour, Inc. RECEIVER REFUSED DELIVERY, 3 attempts. ( Attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

I've just received my credit report and noticed unauthorized items that shouldnt be report to my credit profile. These have been rought times during the pandemic and its not fair the way my information was compromised
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX These XXXX ILLEGAL ACCOUNTS STILL HAVE NOT BEEN REMOVED OFF MY REPORT. I BEEN FIGHTING THIS SINCE THE BEGINNGING OF THIS YEAR WHEN I NOTICED THIS. CAN YOU REMOVE THESE ILLEGAL ITEMS OFF MY EXPERIAN ACCOUNT. THESE ARE FRAUDULENT ACCOUNTS ARE THEY ARE ATTEMPTING TO OBTAIN MORE FRAUDULENT ACCOUNTS IN MY NAME!!!!! I HAVE PLACED A SECURITY FREEZE ON MY EXPERIAN REPORT BUT THIS IS THE SAME THING THAT HAPPENED TO ME WITH THESE LAST XXXX ACCOUNTS YEARS AGO! THEY WERE OPENED AND OBTAINED ILLEGALLY IN MY NAME. THE ONYL THING I HAVE BEEN ADDING TO MY CREDPIT REPORT IS NOTHING BUT POSITIVE INFORMATION. CAN YOU GUYS PLEASE HELP ME AND REMOVE THESE ITEMS! 

XXXX XXXX XXXX  XXXX {$150.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX {$57.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX {$13.00} DATE OPENED XXXX, XXXX, XXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked PLEASE REMOVE THESE ABOVE ILLEGAL CHARGE OFF ACCOUNTS THAT WERE OPENED AT THE SAME TIME AND IM LOCKING ALL MY REPORTS TO STOP THIS FROM HAPPENING AGAIN. IM TRYING TO FIX MY CREDIT SCORE PLEASE REMOVE THESE ACCOUNTS OFF MY REPORT!!!!
Product: Debt collection

I received a notice on my credit report that I had a debit collection from I.C. System Inc. ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The account stem from XXXX XXXX XXXX on the amount of {$330.00}. Upon learning from the collection agent the email address on the user is XXXX this is not my email address. Secondly, the address of the user XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXthis not my address. I was never a resident of XXXX. The phone # for collection agency does is XXXX. The account # XXXX. Please help me rectify this issue. Thanks.
Product: Credit card

I lived with someone for a year and a half. The person I lived with used my social, date of birth, and all of my personal information, including applying from my laptop, to obtain several vpcredit cards.
Product: Money transfer, virtual currency, or money service

I am writing to complain about XXXX and their transactions. was sent a XXXX for over {$1000.00} that apparently was a fraudulent payment. I was fully unaware and assumed the money was mine because I am self employed, instead a few months go by and XXXX retracts the money leaving me with no money in my account. Chase ended up closing my entire checking account and sending me to collections due to this unauthorized payment. 
I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

Dispute ID : XXXX Date Amount Description XX/XX/2022 {$710.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX has XXXX their website that they will send a free return shipping label if merchandise is damaged or defective. XXXX refused to send me a return shipping label to send this item back. I sent pictures to CITI with the damaged item, I got a monitor that had a screen crack in it. I also sent pictures showing XXXX 's return policy. XXXX is violating their own return policy by not sending me a return label. Citi closed the dispute against me saying : We previously requested necessary information from you concerning this dispute. We did not receive proof you returned the merchandise and details of how the merchandise was defective or otherwise unsuitable. I sent in information showing XXXX 's policy is to send me a return label. THey never sent XXXX so I can't send it back. I sent in photos and the statement that the monitor was damaged. There is a large crack in the monitor screen. I did everything asked of me. I want my {$710.00} back. I am very unhappy with Citi who I have used for many years.
Product: Money transfer, virtual currency, or money service

I went to Union Bank  the XXXX XXXX XXXX XXXX location I was racially profiled by two employees XXXX XXXX Branch Service and Sales Officer I and the other representative refused to give me her information I presented my work check to them and Immediately I was told my check looks suspicious the rep called XXXX XXXX over to assist and he conducted another inspection from there he said it was fine and started to cash my check from and he said he was gon na charge me {$10.00} to cash my check so I asked why I just cashed a check at the riverside branch and I wasnt charge {$10.00} from there he stated those are his requirements to cash a check at his branch from there XXXX XXXX got upset from the questions I was asking and refused to cash my check he handed it back to me along with my license and told me to leave once I got to my car I called the customer service number for Union Bank and filed a complaint from there the representative reassured me the complaint will be address and told me to go to another location and said I will not be a issue at the other location moving forward from there I drove to the XXXX XXXX XXXX and was assisted by XXXX XXXX Assistant Branch Manager and XXXX XXXX Branch Service & Sales Officer and received horrible service I was told my check was already cashed they refused to give the location are any information concerning my check I was told to contact my job and they will speak with them and match the check numbers on the check to see if it was cashed on there end at XXXX XXXX XXXX XXXX the representative spoke with them and still refused to cash my check and said I must contact the fraud department or have my job reissue a new check but the whole day I was racially profiled I contacted union bank customer service again and filed another complaint this time I was yelled at from both representatives at the XXXX XXXX location and told my check was cashed and treated like a criminal once again
Product: Credit reporting, credit repair services, or other personal consumer reports

I had credit score of XXXX on XX/XX/XXXX and as of yesterday it drop to XXXX my statement came out on XX/XX/XXXX for capital one credit card. The payment is due on XX/XX/XXXX. I called them they say the report what is due on statement on XX/XX/XXXX the credit bureau change reports want to made by really now they said I need to wait 10 days To see if the credit bureau fix it Most card card company reports after the due date not on statement reporting day They did also to my husband his drop 87 point
Product: Credit reporting or other personal consumer reports

Ive contacted Equifax numerous times about a collection placed on my credit report by the name of XXXX XXXX  XXXX that not mines told me it would be removed but its still there continuously lying to me about being removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Also, I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$40.00}. Please update these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX Date of Inquiry XX/XX/2022 XXXX  Date of Inquiry XX/XX/2022 XXXX  Date of Inquiry XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive recently obtained my current consumer report and i noticed that there were incorrect spellings or variations of my name and as well as wrong addresses littered all over my report that needs to be removed, My name only has one correct spelling, and there should be no variations listed because my name has no variations once those changes are made i need to be sent an updated copy of the changes. I'm here hoping that the CFPB can get me some better results.to make it easier attached with this complaint is a Dispute letter of the changes that need to be removed and also my identification to prove my identity and also the correct spelling of my entire full name and my correct and current address.
Product: Checking or savings account

On XX/XX/XXXX, an UNAUTHORIZED POS was initiated and overdrew my account. This should have been kicked back by Discover due to insufficient funds. Unfortunately, that violates my rights as a banking customer. Here is the law : The Electronic Fund Transter Act ( EFTA ) ( 15 U.S.C. 1693 et seq. ) of XXXX is intended to protect individual consumers engaging in electronic fund transfers ( EFTs ) and remittance transfers. These services include : transfers through automated teller machines ( ATMs ) ; point-of-sale ( POS ) terminals ; automated clearinghouse ( ACH ) systems ; telephone bill-payment plans in which periodic or recurring transfers are contemplated ; remote banking programs ; and remittance transfers. 
The EFTA is implemented through Regulation E, which includes official interpretations. In XXXX, the Board of Governors of the Federal Reserve System ( Board ) amended Regulation E to prohibit institutions from charging overdraft fees for ATM and one-time debit card transactions, unless the consumer opts in or affirmatively consents to the institutions overdraft services ( 74 Fed. Reg. 59033 ( XXXX XXXX, XXXX ) and 75 Fed. Reg. 31665 ( XX/XX/XXXX ) ). The Board also amended Regulation E to implement provisions in the Credit Card Accountability Responsibility and Disclosure Act of XXXX that restricted fees and expiration dates on gift cards, and to require that gift card terms be stated clearly ( 75 Fed. Reg. 16580 ( XX/XX/XXXX ) ). XXXX XXXX XXXX XXXX XXXX XXXX and Consumer Protection Act of XXXX ( Dodd-Frank Act ) generally transferred rule-making authority under the EFTA from the Board to the Consumer Financial Protection Bureau ( CFPB or Bureau ) .2 3 The Dodd-Frank Act also amended the EFTA and created a new system of consumer protections for remittance transfers sent by consumers in the United States to individuals and businesses in foreign countries . In XX/XX/XXXX, the CFPB restated the Boards implementing Regulation E at 12 CFR Part 1005 ( 76 Fed. Reg. 81020 ) ( XXXX XXXX, XXXX ). In XX/XX/XXXX, the CFPB added subpart B ( Requirements for Remittance Transfers ) to Regulation E to implement the new remittance protections set forth. I am requesting those charges be reversed by discover since they are NOT authorized by myself the account owner.
Product: Prepaid card

I have tried to use this card three times at XXXX and once at XXXX. On all four occasions, American Express has declined the transactions. All purchases I have attempted to make have been equal to or less than {$75.00}. When I chatted with an XXXX rep, they said that it is an error with the card issuer as American Express declined the transactions. I have tried to contact american express via the number on the card ; however, it is only a recorded line with no option to speak with staff.
Product: Credit card

See the attached documents. I want the bureau to start investigating these accounts that I am never late for but are reporting me as late.
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX XXXX Failure to Provide 1099-C Form and Violation of FCRA I am filing a complaint against XXXX XXXX XXXX regarding their failure to provide a requested Form 1099-C ( Cancellation of Debt ) and their continued reporting of a charged-off account, which has been sold to XXXX XXXX XXXX. Per credit reports, it is indicated that the debt was {$1800.00} written off. 

Details of the Issue Request for 1099-C Form : On XX/XX/2024, I sent a certified mail request to XXXX XXXX XXXX for a Form 1099-C, which is required if the charged-off debt was canceled or discharged. XXXX XXXX XXXX responded by sending me past card statements that included the amount owed, interest rates, fees, and charges. However, they failed to provide the requested Form 1099-C. 

Violation of the Fair Credit Reporting Act ( FCRA ) : Accuracy of Reporting : Under the FCRA, credit bureaus are required to ensure the accuracy of the information on consumer credit reports. XXXX XXXX XXXX failure to provide the Form 1099-C and the continued reporting of the charged-off account, even though the debt has been sold, creates inaccurate and misleading information. 

I have contacted both XXXX XXXX XXXX and the credit bureaus, requesting that this account be removed from my credit reports, but no action has been taken. 

Harm to Consumer XXXX XXXX XXXX failure to provide the Form 1099-C has caused confusion regarding the status of the debt and my potential tax obligations. 

The continued reporting of the charged-off account has negatively impacted my credit score, despite the debt being sold to another entity. 



As per the law, since the XXXX XXXX XXXX has not responded to my request within the mandated time frame, the information regarding this account should be considered unverified and must be removed from my credit report. Under XXXX U.S.C. XXXX ( a ) ( 5 ) ( A ), when an item is found to be inaccurate or can not be verified, it must be deleted or corrected from my consumer file. 

Resolution Requested I respectfully request the CFPB to : Investigate XXXX XXXX XXXX failure to provide the requested Form 1099-C. 

Clarify whether the cancellation of debt was reported to the IRS, and if applicable, require XXXX XXXX XXXX to issue the Form 1099-C. 

XXXX XXXX XXXX XXXX to delete the charged-off account from my credit reports, as the debt has been sold and its reporting creates inaccurate and duplicative information. 

Ensure the credit bureaus fulfill their responsibility under the FCRA to maintain accurate consumer credit reports by removing the account. 

I request that XXXX XXXX XXXX be deleted from my credit report immediately as the creditor has failed to verify the accuracy of the reported information within the statutory period. 

Supporting Information I am willing to provide copies of : My certified mail request to XXXX XXXX XXXX 

Copy of my request 1099-C to XXXX XXXX XXXX XXXX 



Thank you for addressing this matter and ensuring compliance with consumer protection laws.
Product: Student loan

I went to XXXX and went through XXXX  to get my loan, now there saying I'm not in there system but they have destroyed my credit! 

Please help
Product: Money transfer, virtual currency, or money service

So, I just set up an app called Zelle to sell one of my XXXX purses on XXXX XXXX. A person named XXXX, however, I found a different name called XXXX XXXX after she fraudulently took money out of my bank account and it was unauthorized. I accidentally hit the send button instead of request for the money and now MY OWN money went to this scammer. My bank account, XXXX  bank, refuses to refund me the money or reverse the transaction and Zelle filed a dispute and flagged this person as a scammer, but they also refuse to give me my money back. Moral of the story, I want my money back, and I wont stop until I do. I dont get paid enough with a bachelors degree as it is and minimum wage is higher than what I am making. No one is giving me my money back, which is RIGHTFULLY AND EARNED FOR ME, MYSELF, AND I!!! If you guys want to pay all of my bills, please be my guest because I give up with this country, the prices of everything, not being able to live my life because all I do is work to make ends meet as it is, and Im sick of this state matter of fact. I did NOTTTT authorize this person to receive MYYY money. I was supposed to receive it from THE OTHER person. This is 510 % fraud and it was completely 110 % unauthorized. I will be glad to get my lawyer involved if no refund is issued to me for {$150.00}. I am negative in my account anyways and if I have to go even more negative in my account to PAY MY BILLS LIKE AN ADULT or since Im not getting refunded right now, Ill just treat myself finally to new clothes I cant afford because Im too busy paying all these bills for you guys, instead of paying bills as always because I dont get paid enough to care! Anyways, I promise I have no problem calling my lawyer right now. I am so tired of getting messed over by the government and speaking of government, where are my 3 stimulus checks I never got because my DOB does not match the IRS database system?! I want my entire {$150.00} back or I will be talking to my lawyer about XXXX Bank and Zelle the app tonight. Again, IT WAS AN ACCIDENT!!! THAT IS MY MONEY THAT I DID NOT AND NEVERRRRR AUTHORIZED THIS PERSON TO GET AND I WANT IT BACK, ALL OF IT, LIKE NOW. END OF STORY!!! Again, Im tired of this country messing with me, and due to that, I have been planning to move to XXXX. This is absolutely absurd, immature, and obnoxious. REVERSE THE TRANSACTION INSTEAD OF LETTING A SCAMMER TAKE MY MONEY. THANK YOU GOVERNMENT!!!! PLEASE BE A LITTLE CONSIDERATE ( maybe Im asking for too much but Ill get my {$150.00} back even if nothing is done, somehow and someway dont worry, I promise. THANKS!!!!!!!!