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

Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. Therefore, we are declining your request to block one or more of the items of information. If you have additional relevant information that indicates that the disputed item ( s ) resulted from identity theft, please contact us again and provide this information. 

This statement was submitted by Experian in response to my submission of a Police Report as Experian requested as a prerequisite to remove an erroneous address on my credit report. They accused me of purposely blocking information when you can clearly see that is the way the Police Department submits their reports. The Police Department was kind enough to provide me with their copy that shows all of my pertinent identifying information. I resubmitted this information to Experian on or around XX/XX/2022. Experian received this information on or around XX/XX/2022. Proof of this is attached, Experian now needs to remove the erroneous address because they have exceeded their timeframe for investigation and did not follow up or respond to my dispute. In addition, I have provided the proper documentation from the Police Department with all identifying information as requested by Experian. This is around the XXXX request.
Product: Debt collection

XXXX XXXX XXXX XXXX charged me for a service that did not result in any vaccines or support. The person who I met with at XXXX XXXX XXXX  XXXX was intended for a vaccine visit. That did not happen. Instead, XXXX XXXX XXXX XXXXXXXX had me meet with someone who could not provide me with any medical advice or vaccines. She was actively utilizing the XXXX XXXX XXXX when I asked whether the vaccines were safe for XXXX. When I requested a visit with this provider, I expected medical advice from a professional. Not someone who was utilizing XXXX and XXXX when I had questions. I called and disputed this charge. I am now receiving a letter from a debt collector called PFC.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically under section 15 USC 1681s-2 ( a ) ( 1 ) ( A ), regarding the reporting of taxable income related to Form 1099-C.

I have recently encountered an issue with Possible Finance, a creditor who has reported a cancellation of debt on my behalf, resulting in the issuance of Form 1099-C for the taxable year [ Year ]. The cancellation of debt reported by the creditor has inaccurately represented my taxable income, leading to potential discrepancies in my tax filings.

Upon reviewing the information provided by Possible Finance, I have found that there are discrepancies in the amount of cancelled debt reported and the corresponding taxable income. This inaccurate reporting has the potential to significantly impact my financial standing and tax obligations. As per FCRA regulations, creditors are required to furnish accurate information to consumer reporting agencies, which in turn affects individuals ' credit reports and financial well-being. 

I have made several attempts to rectify this issue directly with Possible Finance, but unfortunately, these efforts have been unsuccessful in resolving the matter. Therefore, I am reaching out to the Consumer Financial Protection Bureau to seek assistance in addressing this violation and ensuring that the creditor adheres to the provisions outlined in the FCRA. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccurate reporting of taxable income related to Form 1099-C. Additionally, I would appreciate any guidance or support you can offer to help resolve this issue efficiently. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Charged XXXX  to XXXX  dollars a month still even though I used my debit card for everything. Other problems too.
Product: Debt collection

XX/XX/year> I received a major derogatory through XXXX remarks alert from my XXXX  send by this collector SUNRISE CREDIT SERVICE opened XXXX Status Date : XXXX Payment Status : XXXX XXXX XXXX ( Collections ). Which I'm not aware of any owned debts. I XXXX THEM. CALLED THEM TO REPORT THIS WAS FRAUDULENTLY SPOKE TO THEIR FIRST REPRESENTATIVE THAT HANDS UP I MY FACE BECAUSE I WAS ASKING HER TO VERIFY WHOM THEY WERE COLLECTING THE DEBT FOR. CALL BACK AGAIN ASK TO SPEAK TO THE MANAGEMENT AND ASK AGAIN WHO THEY WERE COLLECTING FOR WHICH SECOND REPRESENTATIVE TOLD ME IT WAS FOR XXXX XXXX XXXX I TOLD THEM THAT THIS WAS A FRAUDULENTLY DEBT I LIKE TO SPEAK TO A MANAGEMENT WHICH THEY REFUSES TO TRANSFER ME. THEY TOLD ME THAT SHE WAS BUSY I TOLD THEM I'LL WAIT THEY HAND UP ON ME THE SECOND TIME. THIS DEBT IS FRAUDULENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This involves a case where the use of my identity was used by someone unknown to create credit accounts and create debt which were not mine. I had contacted the CRAs and Portfolio Recovery in order to get the issues cleared up. Portfolio recovery Did Not advise that the debt was voided because it was a case of ID theft. They simply indicated that at that specific time they were closing a case, but offered no actual resolution as to the disposition of the accounts they were collecting on the bahalf of XXXX XXXX. The accounts they were collecting were a result of ID theft and as I did not incur these debts or ever personally enter into any contract extending credit to me with this bank I feel I have been put under distress from Portfolio Recovery. Yet in spite of me filing a police report and repeatedly attempting to have these issues addressed, Portfolio Recovery seems to be ignoring these pleas from me to correct the issues in a manner which lets me know these accounts were permanently removed and never to come back again. I have no choice but to file my grievances here as well as filing suit against them. Their erroneous reporting has caused me anxiety and undue stress and hardship to me emotionally and financially. I have gone through hours of my time sending letters, filing reports and doing anything I could to correct this. Yet Portfolio Recovery ignores me and continues to leave the situation, as I interpret it, quite open to these debts returning since they are still showing under the creditor 's pursuits. They have attempted to call and harass me in the past and I have told them that these collection accounts are a result of fraud, yet they do not do anything to help resolve the issues in a manner which is final and absolute. This is not acceptable. I have suffered on many levels due to their inability to correct these issues!
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : DOE XXXX Account Number : XXXX Account Name : DOE XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

Subject : Formal Complaint Against EQUIANT FINANCIAL SERVICES for Violations of Consumer Rights Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against EQUIANT FINANCIAL SERVICES for multiple violations of my consumer rights under federal law. Below are the specific issues and corresponding legal references regarding EQUIANT FINANCIAL SERVICES ' unlawful actions : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) : EQUIANT FINANCIAL SERVICES has placed a collection account on my consumer report without providing the necessary validation information as required by law. This failure to provide validation information impedes my ability to verify the legitimacy of the debt and constitutes a clear violation of my consumer rights. 



2. Denial of Dispute Rights ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the opportunity to dispute the account, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of opportunity to dispute the account violates my right to challenge and verify any alleged debt. 



XXXX. False, Misleading, and Deceptive Practices : EQUIANT FINANCIAL SERVICES has employed false, misleading, and deceptive means in their collection practices. They have misrepresented the status and validity of the alleged debt on my consumer report, which constitutes a violation of my consumer rights. 



4. Unauthorized Furnishing of Account Information ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) : EQUIANT FINANCIAL SERVICES has no authority to furnish any account information to consumer reporting agencies without providing all required disclosures by law. Their actions are in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). 



Given these violations, I am formally disputing any and all debts claimed by EQUIANT FINANCIAL SERVICES. Additionally, I am exercising my right to revoke all communication permissions, including email, text, and phone calls. 



In my previous correspondence with EQUIANT FINANCIAL SERVICES, I have requested the following without receiving any satisfactory response : 1. Debt validation. 

2. The purchase agreement between EQUIANT FINANCIAL SERVICES and the original creditor. 

XXXX. Proof that EQUIANT FINANCIAL SERVICES is licensed and bonded. 



I respectfully request that the Consumer Financial Protection Bureau take immediate action to investigate these violations and ensure that EQUIANT FINANCIAL SERVICES complies with all applicable laws and regulations. Furthermore, I request proof of mail receipt for my records. 



Thank you for your attention to this matter. Please contact me if you require any additional information. 



Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I would never go back on the fair I had so many problems with that company stole {$700.00} from me it was very difficult to go back into the app to pay the car note it was so many errors hit speed bump all the time then try to get insurance with them insurance company told me this car was registered to a business XXXX  XXXX stay away from this company you still like your money or your credit I'm going in for a XXXX page on this almost lost my license for life because the police told me it was no insurance on the car XXXX  told me that I have full coverage insurance on the car that was a lie
Product: Money transfer, virtual currency, or money service

This is the third time I have put this forward as it has not been resolved. I really have doubts about whether Mr XXXX actually exists. I have the second letter from XXXX but it is impossible to contact him. I have phoned from XXXX many times and left messages. No-one ever answers the phone.I have even emailed XXXX XXXX ( CEO ) twice but had no response. Why does this bank not wish to communicate with its customers?
Product: Credit reporting or other personal consumer reports

I sent XXXX, equifax, and XXXX  a debt validation letter XX/XX/year> for all closed accounts, collection, late payments and charge offs. It's been 30 days and i didnt receive a response.
Product: Debt collection

I have an account on my credit report for XXXX XXXX. I don't remember ever having an account from this company. 

I want the company from XXXX XXXX to mail me my original contract that I signed proving this account actually belongs to me. 

They need to produce a copy to me or remove this account from my credit reports and stop all collections.
Product: Debt collection

I have formally complained about bad debt in my name due to fraud. Also, I have several incorrect addresses in which I have never resided. The following companies have not taken any action or provided any communication : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX 2000 XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting that i missed a payment in XXXX on my XXXX XXXX account XXXX. That not possible, my due date on the XXXX of XXXX and I submitted 2 payments according to their ( XXXX XXXX ) billing statement which is provided. 

XXXX is incorrectly reporting 2 fraudulent accounts ( XXXX, Opened XX/XX/XXXX Acct : XXXX XXXX XXXX, Opened XX/XX/XXXX Acct : XXXX ). I notified XXXX multiple times and was told the accounts were deleted on multiple occasions. 

These infraction are gravely harming me financially and is stopping me from advancing in life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Care Credit provides financing for health care, patient 's request financing for XXXX   services, I provide the XXXX services, Care Credit dont want to pay me for my services because my credit history. This practice of discriminating because my credit history is wrong, because I'm not the person who's requesting credit, I'm only an intermediary who provide the service, what does the services I provide has to do with my credit history? 
Also I think this practice violate interstate commerce because is limiting the number of patients I can give treatment, on a basis of my credit history. 
They are also limiting their client decision to be treated to whoever they want, the right to chose his doctor, because they are only going to pay doctors for their services who have good credit, and not paying the ones who have bad credit, again the provider of services is not the person requesting credit from CareCredit is the patient who is requesting financing to pay for the services I provide and is the patient who Care credit give the financing and is the patient who pays to Care Credit, so the services I provide don't have to do anything with my credit history, this is a bad way to use my credit hystory and interfere with the right of the customer to chose his doctor, and the doctor to provide his treatment, and a bad way to use credit history against myself
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to seek assistance regarding an ongoing issue with a charged-off account reported by XXXX on my credit reports maintained by TransUnion and XXXX. Over the past several months, I have repeatedly disputed the accuracy of this charge-off, as it appears to be misrepresented on my credit report and I have not received the necessary IRS Form 1099-C from XXXX. Despite my efforts, each dispute has been concluded by XXXX, TransUnion, and XXXX with the determination that the account status is " accurate. '' However, the evidence or detailed findings supporting these conclusions have not been provided to me, raising concerns about the thoroughness and validity of the investigations conducted by these entities. The lack of transparency and failure to provide substantial evidence for their determinations have left me in a precarious position, affecting my financial integrity and credit standing. It seems there is a disconnect between the reported information and the actual investigative processes that are supposed to ensure the accuracy of credit reporting. I believe that the handling of my disputes by XXXX, TransUnion, and XXXX may not be in full compliance with the Fair Credit Reporting Act ( FCRA ), specifically concerning the accuracy of information and the investigation of disputed data. Therefore, I am seeking the intervention of the CFPB to ensure that a fair and thorough investigation is conducted and that I am provided with the necessary documentation and justification for the charged-off account 's status on my credit reports. I appreciate the CFPBs attention to this matter and look forward to your support in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX continue to report inaccurate information. Per the IRS any cancelled debt is considered a certificate of indebtedness which is income and can not be reported. 

The creditor account listed as XXXX Account # : XXXX has several inaccuracies. 

Account Type - Detail : Secured credit card XXXX line secured Secured credit card Account Status : Derogatory Open Derogatory Monthly Payment : {$0.00} {$90.00} {$0.00} Balance : {$15.00} {$100.00} {$15.00} High Credit : {$200.00} {$200.00} {$120.00} Credit Limit : {$170.00} {$170.00} {$0.00} Past Due : {$15.00} {$75.00} {$15.00} Payment Status : Collection/Chargeoff Late 150 Days Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Experian and XXXX are reporting late payments from XX/XX/XXXX - XX/XX/XXXX & XX/XX/XXXX - XX/XX/XXXX. XXXX is not reporting any late payments. 

This means this account has not been properly verified and this information needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX  XXXX XXXX Account number XXXX
Product: Credit card

In XX/XX/2023 I obtained my balance amount for pay off on an " Avant '' credit card. I paid that amount immediately, & was then charged an additional {$40.00} dollars.
Product: Bank account or service

On XXXX XXXX 2016 I closed out my checking account Commerce Bank on XXXX and XXXX downtown XXXX MO with the manager XXXX XXXX bringing my account to a XXXX balance this concluded my business with the bank of 7 years on good terms. XXXX the XXXX Commerce Bank took it upon themselves to reopen my account and honor several auto payments with merchants without my permission. Now the bank is trying to come after me with overdraft fees and what is now in negative balance of over {$200.00}. I did not intend to pay the merchants which was my reason for closing my account. By reopening my account without my permission is fraud on a very high level. Upon trying to speak to them about the situation I was met with a rude condescending and gangster like mentality please help. Clearly the bank made a mistake and how they closed out the account causing it to be able to be reopened and funds taken out that did not exist. Now they expect me to pay for their mistakes. Please help thank you.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice I had fraudulent account on my credit report. Please remove fraudulent account from my credit report, its hurting my ability to obtain credit Thanks
Product: Credit card or prepaid card

Vanilla visa charges {$2.00} per month after 7 months for a maintenance fee. I had a {$100.00} gift card for my XXXX birthday in XX/XX/2018 which now has only {$50.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate removal of fraudulent items from my credit report. Upon reviewing my credit report, I discovered several unauthorized and fraudulent entries that are negatively impacting my credit score and financial reputation.

The fraudulent items in question include such as unauthorized accounts, inquiries. I can assure you that I have not initiated or authorized any of these activities, and they are clearly the result of fraudulent behavior.

I have taken the necessary steps to protect my personal information and have reported this matter to the appropriate authorities. However, I am deeply concerned about the potential consequences of these fraudulent entries on my financial well-being and reputation.

As a consumer, I rely on your agency to maintain accurate and reliable credit reports that reflect my creditworthiness accurately. The presence of fraudulent items not only undermines the integrity of your reporting system but also poses a significant risk to my financial stability.

I kindly request that you conduct a thorough investigation into these fraudulent entries and take immediate action to remove them from my credit report. Furthermore, I urge you to implement additional measures to prevent similar instances of fraud in the future and to enhance the security of your reporting systems.

Please provide me with a written confirmation once the fraudulent items have been removed from my credit report. Additionally, I would appreciate any assistance or guidance you can offer to help me mitigate the potential impact of this fraudulent activity on my credit standing. I am asking for your assisstance to remove these fraud items in my credit file : 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 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 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 never opened up any accounts other than XXXX XXXX XXXX. I have been XXXX  for many years and was unable to open ANY account while I was in XXXX. XXXX XXXX is the only bank I have given permission to my personal information. 
I have NEVER opened or requested an account from XXXX or any other bank to give me a line of credit or insurance. 

Items on my current up-to-date credit report are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 's XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX 

I want all these accounts validated and removed under 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER