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

I am submitting this complaint against Experian, XXXX, and XXXX for egregiously failing to remove inaccurate information from my credit report, despite being provided with official documentation ( 1099-C forms ) showing that the debt in question has been canceled. Under the Internal Revenue Code ( IRC ) 108, canceled debt is considered taxable income, and reporting it as an outstanding obligation is not only false but also misleading. I have submitted the appropriate 1099-C forms to each of the credit bureaus, yet they have continued to report the canceled debt as an active liability. This failure to update the information and remove the erroneous entry has caused significant harm to my creditworthiness, damaged my financial reputation, and subjected me to emotional distress. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) : Under the FCRA, credit reporting agencies are legally required to investigate and correct inaccurate or incomplete information in consumer credit reports. The agencies failed to remove the canceled debt despite my providing irrefutable evidence that the debt was canceled and considered taxable income. Internal Revenue Code ( IRC ) 108 : The IRC defines canceled debt as taxable income, and once the debt is canceled, it no longer exists as a liability in the consumers financial obligations. Failing to reflect this change in my credit report is not only unlawful, but it is also misleading and harmful. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) The Supreme Court ruled that " inaccurate information that harms a consumers credit standing is a concrete injury, '' and recognized that the risk of harm caused by inaccurate information on credit reports is sufficient to establish standing for claims under the FCRA. The continued reporting of this canceled debt constitutes harm to my reputation, creditworthiness, and financial standing, as well as emotional distress. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) The Court reaffirmed that consumers suffer concrete harm when inaccurate credit information is disseminated to third parties, such as potential creditors. The ongoing reporting of this canceled debt by the credit bureaus has caused irreparable damage to my ability to obtain credit and has subjected me to financial disadvantage. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) This case held that credit reporting agencies have a duty to ensure the accuracy of information they report, and failure to update or remove inaccurate information, such as canceled debt, violates consumer protection laws.
Product: Credit reporting or other personal consumer reports

I did not authorize these fraudulent inquiries on my consumer report and according to the FCRA I would like to be removed or deleted immediately Thanks XXXX XXXX Bank, credit cards, XX/XX/XXXX XXXX XXXX Bank credit cards, XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I received a collection notice about a month ago and I responded to advise the collection agency that the debt was not mine and is a result of identity theft. The debt is disputed, not owed and stop collection attempts. The agency sent me another collection notice dated XXXX XXXX, 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX/XXXX XXXX {$310.00} XXXX XXXX {$680.00} XXXX/XXXX   XXXX {$75.00} XXXX XXXX XXXX {$3600.00} XXXX XXXX   XXXX {$3600.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX   XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX   XXXX XXXX {$960.00} XXXX XXXX {$94000.00} XXXX/XXXX   XXXX {$700.00} XXXX/XXXX XXXX {$2300.00} XXXX/XXXX XXXX {$2600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

Between XXXX and XXXX I was lured into invest approximately XXXX XXXX equivalent ~ {$380000.00} as of today ( XX/XX/year> ). The Website called XXXX, it was part of XXXX XXXX which is a XXXX subsidiary. The scammers baked a browser into the XXXX XXXX and asked me to use the browser to invest. I did XXXX transactions and I was allowed to withdrew money twice, total {$2000.00}. My investments grew substantially and wanted to withdrew again but this time the so called customer service told me that I have to invest 20 % more to withdraw, the FBI calls this " XXXX XXXX '' or advanced fee scam. I filed complaint with the FBI, filed IC3 Form back in XXXX, I contacted the District Attorney Office and I filed complaint with the FTC along with the SEC and the Secret Service. We traced the investments and found out some of the funds converted into USDC and USDT coins. We contacted to XXXX and XXXX and asked them to freeze these funds. We sent them the Asset Tracing Intel report. They both refused to cooperate. We summoned them with a court order but both Company told us that they are not going to comply with our request even though we provided enough evidence that they are holding illicit funds. Circle mints USDC and it is a US Company, Thether is not located in the US. As of today ( XX/XX/year> ) we see fraudsters have {>= $1,000,000} XXXX in the account we identified via the Asset Tracing Intel Report.
Product: Credit reporting

I am in bankruptcy since XX/XX/2015. I have been utilizing XXXX to monitor my credit and score since then. With this week 's XXXX update my scores ( XXXX and XXXX ) were finally high enough to pursue a business opportunity. The company I was working with pulled a hard credit report through Kroll and much to my dismay one of my scores ( XXXX ) was no where near what XXXX had reported, the XXXX score ( XXXX ) was nearly the same and the XXXX score was super low. All XXXX reporting various negative information post bankruptcy petition filing. Also as part of being in bankruptcy we should be offered all bankruptcy protections including the automatic stay which prevents negative credit information from being reported from the time of bankruptcy filing, i.e. XX/XX/2015. Kroll had XXXX different accounts reporting both being included in bankruptcy and reporting late payments post petition filing. These reporting of late payments are illegal, as well as hitting my credit score two times each. Once for being in bankruptcy and another for being late thus killing my credit score.
Product: Payday loan, title loan, or personal loan

I am trying to cancel ACH from my account from this company. I dont want them to auto debit my checking account for membership fees or loan payments. They will not cancel the ACH saying that I must payoff the loan before the membership ACH can be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letters to all three credit Bureaus and Commerce Bank but no actions nor response up yet, Unverified account and inquiries what do not belong to me are listed below is still reporting on my credit report which is a violation of Federal Law. The 3 Credit Bureaus failed to comply with the Federal Credit Reporting Act. I am sending this complaint to ask for your help to remove/update the concerned account listed below that I found inaccurate and unauthorized. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I submitted complaint - XXXX and it was resolved last XXXX. The company erroneously flagged my mortgage with bankruptcy. They have since resolved and apologized however they still list a fee related to bankruptcy on my account. I have asked repeatedly that it be removed and the customer service reps say a 'VP ' will call me to resolve. No one ever calls me back. The fee is a Recoverable Corporate advance balance of {$350.00}. The customer service rep said this was a bankruptcy fee. We have never filed for bankruptcy and have all paid on time. This needs to be removed from our account and I wish to have written notification that this was taken care of.
Product: Credit reporting or other personal consumer reports

Mohela has consistently failed to respond to emails since taking over my student loans. After applying for forgiveness, I spent nearly a month last year attempting to make contact with the vendor. PSLF was ultimately processed on XX/XX/year> ; however, the company never sent updated information to the credit bureaus. I've made numerous attempts to request that Mohela update this information, but they have failed to respond. I'm made some progress by disputing each of the loans directly with the credit bureaus, but this is an unnecessary burden that could easy be resolved if Mohela would respond to my emails.
Product: Credit reporting or other personal consumer reports

I have been in a long battle with my XXXX who was stealing my mail, and inevitably apparently stealing my identity in the process. After reporting the incident to the US Postal XXXX XXXX, Office of Inspector General, and XXXX Police Department I then alerted the credit bureaus of my change of address AND information that was incorrect on the report and needed to be blocked pursuant to 15 U.S. Code 1681c2. 

I attempted to upload the documents to TransUnion but their online system gave a generic error that I wasnt eligible to upload documents. I then called their Consumer Relations department on XX/XX/2024 and spoke with representative who insisted that I send in a cover letter, Proof of ID, Social Security Card, Bank Statement, and Utility Bill to change the address. I was also told to send an FTC Report as well as Police Report in order to remove the fraudulent accounts. 

These documents were sent at my expense- despite the fact that any other consumer could upload the documents for free - via Priority Mail with Tracking XXXX and delivered XX/XX/2024 at XXXX. On XX/XX/2024 at XXXX a secure email came from TransUnion telling me the documents were unacceptable and to send the same documents I already sent. On XX/XX/2024 I contacted Consumer Relations again and spoke to a supervisor, XXXX, to inquire as to what was incorrect with these documents AND why the items were not blocked per federal law. XXXX proceeded to tell me that I didnt know the law and TransUnion had its own policies. When I forced him to review the documents he proceeded to make up excuses including that the official Pennsylvania Department of Transportation Change of Address card wasnt sufficient as ID along side my actual printed ID ( its worth noting TransUnion is a Pennsylvania based entity, not that Id expect their call centers in XXXX to understand American or even Pennsylvania XXXX ), that because my utility bill noted Floor 1 it couldve been deemed unacceptable, and that they sent their reason for NOT blocking the information to my OLD address which is clearly noted in the police report as where mail was being stolen for quite some time. 

XXXX was rude and combative and I finally disconnected the call because it was clear that my legal rights were violated and action should be taken against TransUnion LLC. Shortly after the call I received an email from XXXX showing me that they had taken the position to block and delete all the same referenced accounts as fraudulent. 

Attachments included are all documents referenced in this narrative.
Product: Debt collection

I paid off XXXX past owned credit cards that were placed in collections. I was not aware they would n't delete the items.
Product: Debt collection

I was contacted by a company called Ability Recovery Service fora medical debt that they say I owe from several years ago to a hospital here called XXXX XXXX. I contacted XXXX XXXX and talked to someone named XXXX in patient services or billing. She told me that I don't owe the hospital anything. I believe this company is fake and bought my address from another company. They are calling me from XXXX PA from this number. ( XXXX ) XXXX. The lady will not give me her name. They are abusive. She gave me the wrong address when she called. And the phone number goes straight to her not to an operator. The bill said {$150.00} at first and now it says {$150.00}. I want to report Ability Recovery Services for fraudulent collection activity. They put this as debt on my credit report from XX/XX/2017 and I want it removed now. They brought my credit report down 20 pts and the lady that keeps calling me said I need to pay it to get it removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute incorrect personal information on my credit report. Please find below my correct personal details : Full Name : XXXX XXXX ( There should be no variation to this name ) Current Address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, WI XXXX ( There should be no other address listed on my report ) Phone Number : ( XXXX ) XXXX ( There should be no other phone number listed ) Employer : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX ( There should be no other employment listed ) I do not acknowledge any other name, address, phone number, or employer beyond what I have provided above. Any other variations or additional information should be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


01 XXXX XXXX XXXX XXXX {$190.00} XX/XX/19 Inquiries : XXXX  XXXX XXXX  XXXX
Product: Checking or savings account

I opened a Citi Checking & Savings account using their promotional offer where I needed to deposit {$15000.00} in Checking & Savings account and keep the money for 60 days. They were supposed to then process the bonus and pay me {$400.00} within the 90 days. However, a while back I received an email from them saying that I did not qualify for the offer when I never took a single penny out of my account. I still have {$15000.00} in the account since the day I opened the account. I have tried to contact them several times but their staff is very robotic and says the same thing over and over again instead of looking into the issue. They opened a case for me and it has been over two weeks but I have not heard anything back from them. Please help me so I can get my {$400.00} from them that they would not give me as promised. Very disappointing experience with them. Terrible customer service. 
https : //banking.citi.com/cbol/18/checking/400/default.htm? BT_TX=1 & ProspectID=E550C0FED0F6464BB8C1799FCD23A72D " Dear XXXX, Thank you for choosing Citi for your banking needs, and for your enrollment in the Citibank {$400.00} Checking Offer ( `` Checking Offer '' ). Unfortunately, we have determined you have not fulfilled the Offers required activities for the following reason : The required deposit balances were not maintained during the offer period ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked XXXX XXXX to remove closed paid in full account, the account was XXXX XXXX. XXXX recieved letter and sent a notice to both equifax and XXXX that they closed the account and dropped my credit score by XXXX  points in both cases, XXXX XX/XX/XXXX and equifax XX/XX/XXXX. i called equifax they said that couldnt happen from a closed account, tryed to get documention they would not give it or any info on why my score went down. Your help in this matter would be greatly appreciated. 

Sincerely XXXX XXXX
Product: Credit card or prepaid card

I called Barclays earlier this month to at least, change the credit card from Wyndham to a different card they offer like XXXX XXXX XXXX or the XXXX XXXX XXXX they offered, but was told no my the representative. This contradicts what I was told by XXXX XXXX in early XXXX, when this all started. 

I asked, at least, if im stuck with a credit card I was lied about apply for, could I change it to some other credit card barclays offers. I was told yes to some degree. 

Then I recieve ANOTHER response today, of Barclays telling me that I'm XXXX because I already added a bill to said credit card, so I clearly didn't want it removed and would not honor my request. 

The only reason I gave up on even getting the card removed ( by barclays, on their end, not by me ) because I was told by reps that wasn't possible. THEN i tried to make it better for my whole situation by at least using the line of credit to help my own score by adding a small bill to pay off every month. 

Only for this to some how be used as evidence for all the more reason for mt complaint to be ignored. 

My complaint is now, that customer service will lie to you. That people from the " Office of the President '' will ignore your emails and also lie to you, and then use your responses to lies against you. 

That timeshare reps will lie to you, and tell you, you need to sign these documents to prove that you will not come to Wyndham time shares anymore, and then pull your credit. Then tell people at the Offfice of the President that they actually don't say that, when I know several people who have had the same thing happen to them. 

My boyfriend and I saved up a lot of money for a trip to XXXX. We got covid tests, isolated and were excited to go. We didn't expect to come home and a week later for our credit scores to plummet, and ruin ( his more than mine ) our chances at making any big purchases any time soon.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has engaged in multiple violations that have negatively impacted my credit, emotional and mental health, and placed me and my young child in a compromising position.

Despite my account being in good standing, they shut off my access to my line of credit without prior notice, leaving me unable to rent a car while traveling. Subsequently, they closed my account without my request or consent and falsely reported it as " closed at consumer 's request. '' Even after I issued a cease-and-desist request, XXXX  continued to call me daily during work hours and send frequent emails, disrupting my ability to work.

These actions are unfair, misleading, and have caused significant harm. I am seeking {$4000.00} in damages for these violations, plus removal of any and all late fees from this account, as well the removal of negative reporting from my credit reports and request an immediate resolution.
Product: Credit reporting or other personal consumer reports

Unauthorized Credit Inquiry I am writing to dispute an unauthorized credit inquiry on my credit report. I did not authorize these inquiries and it does not reflect any application for credit or service made by me. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal XXXX : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date XXXX XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XXXX XXXX, XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Removal Date : XX/XX/XXXX According to the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report and request its removal. 

I kindly request that you investigate this matter with the creditor and remove these unauthorized inquiry from my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit Card Account Status Account is still delinquent status XXXX   XXXX XXXX XXXX is Joint contractual liability I have asked to be deleted from this contract they have not done it yes. XXXX XXXX XXXX Consumer disputes after resolution auto. XXXX XXXX XXXX open account still payments are being made by financial counseling program still showing delinquent. XXXX XXXX XXXX is showing open debt was closed The have put this account into collection original Creditor XXXX XXXX. Wells Fargo DLR SVC XXXX XXXX this account was discharged in bankruptcy XX/XX/XXXX Consumer disputes after resolution re-affirmation of debt. XXXX XXXX Credit Card delinquencies XXXX XXXX XXXX XXXX account was delinquent 90 days account was in dispute now resolved reported by provider account was paid off XX/XX/XXXX needs to be deleted Credit Bureau dispute.