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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

Theres an account on my credit report called XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I please want to delete this account of my credit report because the credit bureaus are saying the amount of payments and late payments are not properly reported. They keep updating the payments and when they were made. The information isn't accurate and I believe that my credit is being wrongly impacted due to errors with this particular. I have called XXXX XXXX to try getting more information about what is going on with this account. I'm going to upload a Massachusetts ID card and Social Security to verify my identity to help get this deleted from my credit reports.
Product: Credit reporting or other personal consumer reports

I am urgently reaching out to inform you that I am a victim of identity theft, resulting in multiple unauthorized inquiries appearing on my credit report. These inquiries were made without my knowledge or consent, and I am requesting swift action to resolve this issue. 

INQUIRIES - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX OF XXXX XX/XX/XXXX I have filed an official identity theft report with the Federal Trade Commission ( FTC ) and am formally requesting the removal of these fraudulent inquiries to restore the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was repossessed and sold around XX/XX/2017. The bank has not sent me any information regarding the sale or the amount owed. The amount still has me in default for the whole amount. Under the laws of the State of California UCC Section 2983, I am required to receive any notification regarding this automobile. And I was not.
Product: Debt collection

PMAB LLC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX IS A DEBT COLLECTOR FOR XXXX XXXX XXXX, XXXX NC MY HOSPITAL BILL WAS PAID IN FULL VIA A CHARITY PROGRAM THAT I SIGNED UP FOR. WHEN I FIRST SAW THAT PMAB SUBMITTED A NEGATIVE FILE ON MY CREDIT REPORT I CONTACTED THE CHARITY THAT PAID MY BILL ON MY BEHALF, THEY IN TURN CONTACTED XXXX XXXX XXXX AND SUBMITTED THE RECEIPT AND DOCUMENTATION THAT THE BILL WAS PAID BY THEM. XXXX XXXX XXXX FAILED TO CONTACT PMAB TO HAVE THEM REMOVE THE NEGATIVE REPORT, SO I DISPUTED THE REPORT VIA XXXX. ACCORDING TO XXXX  PMAB IS REFUSING TO REMOVE THE CHARGE OFF WHICH WAS FALSELY REPORTED BY THEM AND THEY FAILED TO DO THEIR JOB AND CONTACT THE HOSPITAL TO VERIFY THE ACCOUNT WAS PAID IN FULL LONG BEFORE THIS DEBT COLLECTOR GOT INVOLVED IT HAS A NEGATIVE IMPACT ON ME AND MY CREDIT FILE
Product: Debt collection

ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX HAS BEEN DENYING OUR CLAIM-IT WAS REPORTED TO US AND REPRESENTED TO US BY OUR HEALTH PROVIDED THAT OUR INSURANCE COMPANY WOULD PAY FOR THE ABOVE MENTIONED ACCOUNT. THEY SAID THAT EVEN OUT OF SYSTEM HOSPITALS ARE COVERED ON XXXX XXXX- WE WERE TOLD THIS WAS BASED ON OUR CASE. 
ON XXXX XXXX AND WE WERE ASSURED THAT IT WOULD BE PAID. 
XXXX IS CONTINUINE TO DENY OUR CLAIM. 
WE DON'T FEEL IT IS A LEGITIMATE DENIAL ' SO WE ARE WITHOLDING PMT. UNTIL OUR INSURANCE CO. MAKES THE PAYMENT. AND MEETS IT S MORAL OBLIGATION FOR COVERAGE. 
BOTH THE HOSPITAL AND DR 'S TOLD US THAT THIS XXXX WOULD BE COVERED BY OUR INSURANCE BECAUSE IT WAS AN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending numerous sets of letters to Transunion so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let these fraud accounts affect my credit score. They are bound to comply with the FCRA regulation section 605b but I think they are inattentive about this matter. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Back in XXXX XXXX I was given a job offer to work as a graphic designer at wonder dynamics they gave me a whole interview, art test, and onboarding process for me to undergo. I soon received checks, from them, in large amounts to buy equipment like computers, monitors, etc. only yo have all that money go no where along with the job leading no where. I lost about XXXX in the process and was jobless for the next 6 months because I quit my job for this opportunity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX never gave me any type of notification to opt out per 15 usc 6802 and 16 CFR 313. In which I'm supposed to be notified every 30 days. Lastly, 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. I am opting out of ADVANCED COLLECTION BUREAU from reporting to EXPERIAN
Product: Checking or savings account

I have experienced fraudulent activity on my Cash App Account. I have tried to resolve the issues thru the app and emails, but have not received any result and it has been months of trying. I could not get any statements, but was able to go through and write down all the unauthorized transactions : XX/XX/2020 XXXX XXXX - {$74.00} XXXX XXXX - {$79.00} XXXX - {$79.00} XXXX XXXX - {$74.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a small loan for a used car {$5700.00} because the mortgage holder has not pursued their foreclosure action they said they would be taking. I informed XXXX of 2017 I was not able to redeem the amount owed and they should move forward with foreclosing. The company, Ditech Financial LLC, is falsely reporting I am in a payment agreement with them and this is adversely affecting my credit reporting.
Product: Debt collection

Discover card called my mother and left a voicemail on her phone which is not my phone number, and have never called me about the overdue payment before reaching out to her.
Product: Payday loan, title loan, or personal loan

I secured a loan with NetCredit with of my credit rating and potential high interest rates. Ive been making monthly payments in full and on time expecting some part it would be applied to the principal. To my complete shock, after t least 2 years, balance had significantly increased beyond the initial principal ( negative amortization ). In speaking with a representative, I was informed that nothing had been applied to the principal and random fees been attached. As no billing statement or account record is neither mailed or emailed to me and nor did any representative disclose that to me. Im a XXXX and XXXX struggling to make these payments only to get further in debt.
Product: Student loan

I paid Collage Ave the full amount of my loan. They dropped the last number on my account so that the payment did not go through then charged me extra interest. So I submitted again, They are doing the same thing again. This keeps happening. I asked for alternative payments methods. They do not have any. They keep saying I am not submitting the correct account information. I have photographic evidence of what I sent is accurate. They just keep messing up my payments and charging more interest. 

This is a big scam they are pulling.
Product: Debt collection

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within30 days gives a reason to immediately remove those items from my credit report it has been over 60 days a so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. Which causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts.
Product: Credit card

I have held a Discover Credit Card since the early XXXX. I no longer use this card and do not want it showing up on my Credit Report any longer. 

On XX/XX/XXXX I sent a signed letter via US mail to the address of : Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. In this letter I stated the following : I am writing to you to request that you close my Discovery Credit Card account. I already have other credit cards that I use regularly and am no longer interested in keeping an account open with Discover Card. My credit account number is : XXXX XXXX XXXX XXXX. Please close this account immediately. 

Of course I have replaced the XXXX above with the real card number in my letter. 

As of today, XX/XX/XXXX this account is still open with Discover Card.

I should not have to hound Discover to close my account. I expect a signed US mail letter to this company should be enough to close this account yet they have not honored my request. 

I am writing to complain about this and to see if you can recommend to me any further steps to take in order to have this account closed permanently? 

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

After looking over my credit report and looking into the consumer laws Ive found plenty of information that wasnt allowed and wasnt correct on my consumer report I seen that after looking over the laws set in place by congress to protect me none was followed by these different collections agencies the laws are as said 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. Account name is ( XXXX XXXX XXXX XXXX  in the amount of XXXX account number isnt even up on the site opened XX/XX/2022 is on my consumer report and are in violation of the law I would like to sue these persons for impunitive damages as I con not find a place to live do to this under all these laws including 15 usc 1692 and 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 agency can not furnish an account without my written instructions. 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 if the person knows or has reasonable cause to believe that the information is inaccurate. These laws protect me from being abused by the consumer reporting company which have assumed this responsibility of furnishing my consumer report and and it has to be 100 percent accurate. 15 U.S.C 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers This is the laws set in place by Congress to protect my rights. 15 U.S.C 1681 ( n ) ( b ) Civil liability for knowing non compliance. Any Person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to a consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater. The law states also 1692 I have the right to refuse payment on things that shouldnt be on my consumer report but being as they assumed a vital role and congress has set certain laws in place I would like to send over a XXXX XXXX also the form XXXX and XXXX XXXX XXXX also the XXXX and the XXXX as they are now banned from calling me or faxing me I am also sending them over a true bill under title 15 and they have now violated title 15 as if they are above congress and under title 15 you violate me any further I can sue you as I dont not owe third party debt collectors anything XXXX XXXX XXXX XXXX XXXX XXXX as what I thought was loans where actually deposits 15usc 1692 c ( c ) 1692 ( a ) and ( b ) 1692a ( 1-4 ) Please 1692f also states false representation.im also sending a tire bill immediately if this isnt resolved asap.
Product: Debt collection

In XX/XX/XXXX, I was contacted by XXXX XXXX/XXXX about a XXXX debt due. That month, I settled with them and paid my debt in full on XX/XX/XXXX for {$370.00}. In XX/XX/XXXX, another collection company called XXXX tried collecting on the same account. I emailed them informing that I already paid and to stop trying to collect. They immediately removed it from the credit agencies. In XX/XX/XXXX, another company called XXXX XXXX tries to collect on the same account. Now we are at XX/XX/XXXX and Credence Resource is trying to collect on this same account. I contacted XXXX  via email on XX/XX/XXXX and received a response from XXXX XXXX, Sr Specialist Executive Response, who said they show I still owe a balance, but do show that I made the payment to XXXX  in XXXX. I then call XXXX  on XX/XX/XXXX who confirms that I did settle and paid in full for that account in XXXX. They said they forwarded this documentation to XXXX. I asked if I could have documentation showing this information to prove I no longer owe the debt. They say they can not give me that because it is closed on their end and XXXX should have the information. I then email XXXX XXXX at XXXX and let him know this same information. He responds " You would have to consult the new collection agency as we have no way of enforcing them to remove the debt. Our records do not reflect that the account was settled in full with the previous agency. Have they provided you with any sort of documentation proving this? If so, you may present it to me and I can see if I can do something else. '' So if neither company can give me documentation rightfully due to me so I can get this nightmare to stop, what can I do? This is so unfair and keeps ruining my credit. The most recent collection agency, Credence Resource Management, says I need to speak with XXXX to get them to remove it because they cant do anything. If original creditor and every collection agency tells me I need to call the other person then how will I ever get this resolved? I have bank statements proving my payment and XXXX  recorded our phone call admitting that I paid in full. Please help with this nightmare.
Product: Credit reporting or other personal consumer reports

I was involved in several data breeches in the recent months including XXXX XXXX XXXX XXXX XXXX and had all of my personal information posted on the dark web. I have several hard inquiries that I did not authorize, have disputed them and they were not removed. The fraudulent inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXXXXXX, NY XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX  ( XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights
Product: Credit reporting or other personal consumer reports

I was a victim of ID theft and noticed several credit card accounts and auto loan account on my credit and I noticed some unauthorized accounts on my credit report. The following accounts are due to ID Theft. I have notified TransUnion several times with out results. 

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

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 15 days ago and have yet to receive an adequate resolution. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 
Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.

Even if you didnt receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 
The IRS clearly defines a charge off as gross income or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 
The IRS clearly says a Canceled or Charge Off is Income. The reporting of this account as a debt is inaccurate. 
15 USC 1681S-2 says XXXX is furnishing information to a consumer reporting agency. 
You are PROHIBITED BY LAW to furnish inaccurate information. I DEMAND you to Cease and Desist the reporting of incorrect/inaccurate information immediately and delete the account. 

15 USC 1681S-2 ( a ) ( 1 ) ( A ) ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

I 've been disputing this for 2 years now. I recently Pulled my credit and saw XXXX is still on my Credit report for $ XXXX. I do not recall this debit, I sent four different letters requesting investigations and re investigations from the credit bureaus to investigate this matter. After several attempts to find out any information about this alleged account. I Sent a Notice of pending litigation, Seeking relief and monetary damages under FCRA section 616 & section 617, giving them 10 days to verify this alleged account and send me proof of this account. Still No reply, no action. XXXX is Still on my credit report and reporting monthly late payments dropping my credit score drastically. I have rights and I plan to pursue them. They are impairing me from a fair chance with creditors and a quality of life.