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

CFPB ( Consumer Financial Protection Bureau ) complaint. 

Subject : Complaint Regarding Inaccurate Credit Reporting by TransUnion, XXXX, and XXXX Description of the Issue : I am filing this complaint to address inaccurate credit reporting by TransUnion, XXXX, and XXXX regarding accounts from XXXX XXXX XXXX, XXXX XXXX , and a student loan serviced by the Department of EducationXXXX XXXX 
1. XXXX XXXX XXXX I sent a Notice of Liability and Self-Executing Default to XXXX XXXX XXXX via certified mail on XX/XX/year>, delivered on XX/XX/year> ( Tracking Number : XXXX ). 
They were given 10 days to respond, but no response was received. Therefore, they are in default, and this account should no longer be reported. 
2. XXXX XXXX A Notice of Liability and Self-Executing Default was sent via certified mail on XX/XX/year>, and delivered on XX/XX/year> ( Tracking Number : XXXX ). 
Again, no response was received within 10 days, placing this account in default. This account should also be removed immediately. 
3. Student Loan ( Department of EducationXXXX ) I attempted to send a certified Notice of Liability and Self-Executing Default on XX/XX/year>, but the letter was returned as undeliverable on XX/XX/year>XXXX  ( Tracking Number : XXXX ). 
The address provided by the school was invalid, and I have been unable to properly serve notice. This loan contract was entered into under unconscionable terms and lacked full disclosure of its impact on credit reporting. 
Violations and Requests for Validation : I am requesting that TransUnion, XXXX, and XXXX provide the following : 1. Written Express Consent : Proof that I provided written express consent to XXXX XXXX XXXX, XXXX XXXX , or the Department of EducationXXXX to report this information to the credit bureaus. 
2. Court Orders : Records showing that XXXX XXXX XXXX XXXX XXXX XXXX , or the Department of EducationXXXX obtained a court order from a competent jurisdiction to communicate with me about these debts. 
3. GAAP Compliance : Documentation that XXXX XXXX XXXX, XXXX XXXX , and the Department of EducationXXXX are adhering to Generally Accepted Accounting Principles ( GAAP ) in verifying the validity of these debts. 
If this information can not be provided, the accounts should be deleted under the Fair Credit Reporting Act ( FCRA ) for failure to verify their accuracy. 
Impact on My Rights : The reporting of these accounts is depriving me of my life, liberty, and pursuit of happiness by negatively impacting my credit score without proper validation. 
Requested Resolution : I request the immediate removal of these accounts from my credit reports, including a rapid rescore by all three credit bureaus. If this is not resolved within 7 days, I will begin assessing damages at {$5000.00} per day per account that remains on my report. 
Thank you for addressing this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries, incorrect name spellings, addresses, employers on my credit report. I have been sending letter after letter for over one year with no help or progress. Recently XXXX responded to me and stated that no company needs permission to run my credit. Please help
Product: Credit reporting or other personal consumer reports

This account is paid in full and is still reporting negatively on my credit report.
Product: Mortgage

I had my mortgage with XXXX and they sold my loan to Fay Servicing out of XXXX. I sold my house and tried to get a payoff so we could close the deal. They would not give us a payoff in a timely fashion. They said it would take XXXX days and it would come by mail. We ask if they could fax it, email it, etc. and they said know. It 's been two weeks and we missed our closing deadline. They will not return phone calls. I 'm being blackmailed so they can earn more interest from us. They will not respond to our attorney or return her calls. You should be able to get a payoff on your mortgage or any loan in a day.
Product: Vehicle loan or lease

I purchased a vehicle XXXX of XXXX and was financed with First Tech Credit Union. I ran into a hardship and we called back in XX/XX/XXXX to ask for assistance. We were told that we didnt have our loan long enough, need 12 payments and that we need to maintain payments to keep reducing the days past due. We paid at the end of of XXXX, XXXX and had a payment set up on their portal for XX/XX/XXXX. They repossessed my car on XX/XX/XXXX. They stated a right to cure was sent back in XXXX and we didnt pay the total amount. Informed them we were told to keep making payments until we reached a year and then can revisit. I never received the right to cure and nothing was sent certified. How can they take my car if payments are pending/accepted and I was not properly notified of any issues? This is misleading and unacceptable. We have done our best to maintain monthly payments but can not catch up on all past due. I called to get my vehicle back and my wife made arrangements with other to have the total past due plus fees. We have gotten the run around and I am trying to avoid transport and more fees but I am getting now answers or returned calls. I do not understand this business practice and am trying to make this right but also, should not be in this situation as there was not indication my car was in jeopardy and payments still be ing sent and accepted.
Product: Credit reporting or other personal consumer reports

Did not do an investigation at all. My social security number was breached. All the negative items and inquiries need to be removed immediately. How can an account keep reporting charged off for XXXX, XXXX, etc? An account can only be charged off one time. This is clearly a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States on 2015, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payments listed on my credit report. Upon careful review of the information, there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. I understand the importance of accurate credit reporting, and I trust that your investigation will lead to a fair resolution. I appreciate your attention to this matter and request that you provide me with updates on the progress of the dispute. 


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

XXXX XXXX  account Acct # XXXX was charged off in ( XX/XX/2024 ) .I have requested the 1099c to support the charge off and it has not been sent. I have dispurted this account as well with the credit bureau and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a 1099-C can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. Attached is also the dispute filing in XXXX.
Product: Credit reporting or other personal consumer reports

This company is reporting an account that is charged off on my credit report but they have not sent me a 1099C. According to federal law they were to furnish a 1099C once they charged off the account but I have not received a 1099C. If I dont receive a 1099C within 15 days, I will be filing a 3949A with the IRS as this is considered tax fraud since I have not received a 1099C. 

I demand that XXXX XXXX XXXX XXXX furnish a 1099C and send a copy of the form to me OR remove the account from my credit report along with all other information related to it. 

If do not receive my copy of the 1099C within 15 days I will be filing a 3949A with the IRS, as that is considered tax fraud.

According to the Fair Credit Reporting Act ( 15 U.S.C. 1681, Section 602 ( a ) ), consumer reporting agencies must uphold their serious responsibilities with fairness, impartiality, and respect for consumer privacy. XXXX and Experian, as consumer reporting agencies, are required to adhere to these standards, while I, as the consumer, have the right to protect my private information. 

Under 15 U.S.C. 6801, Congress establishes that financial institutions have a continuous duty to respect customer privacy and safeguard the security and confidentiality of nonpublic personal information. XXXX XXXX XXXX XXXX qualifies as a financial institution under this definition. 

Further, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) dictates that consumer reporting agencies may only provide consumer reports when they have received the consumer 's explicit written consent. I did not grant such consent to XXXX, Experian, or XXXX XXXX XXXX XXXX. Any prior consent, whether verbal, implied, or written, is hereby revoked. 

Additionally, per 15 U.S.C. 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to unaffiliated third parties unless the consumer is informed of their right to opt-out of such disclosures. I was never notified of this right, violating these regulations. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ) prohibits any entity from furnishing inaccurate information to consumer reporting agencies if they know or have reasonable cause to believe it is incorrect. Furthermore, 15 U.S.C. 1681e mandates that consumer reporting agencies must maintain reasonable procedures to prevent violations of 1681c and to limit the furnishing of reports to those permissible under 1681b. XXXX and Experian have failed to uphold these standards. 

Lastly, 12 CFR 1016.7 affirms that a consumer retains the right to opt-out at any time. I am formally exercising my right to opt-out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I sent and been sending Debt Validation and QWR among others and have not received proof of validation. Only stories that can not be proven. 
Also I have sent a Notice of Rescission and they did not respond or file a lawsuit within the 20 days. The note and deed of trust are Void. As per the Unanimous Supreme Court decision in the XXXX XXXX 2015 decision. 
The latest notice of verification of alleged debt dated XXXX XXXX, 2015 and XXXX XXXX, 2015 were totally ignored by The XXXX ( the Trustee ). I did get a letter from SPS, Inc which in effect was a none response. Did not send the following 1. Copy of the original alleged note accompanies by an affidavit from alleged lender 2. Did not identify to what the debt pertains. 
3. Did not detail how the alleged debt was calculated 4. Provide copies of any papers that show that I/we agreed to pay alleged debt. 
5. Identify the original creditor. The Note and Deed of Trust is now Void due to rescission. 
6. Did not Provide the agreement between the creditor and both XXXX and SPS , Inc. which authorizes XXXX and SPS to collect funds.d 7. Did not provide evidence that they are licensed to collect debts in the State of California. 
8. Did not providtheir evidence of license numbers and then alleged lender 's registered agent. 
9. Did not provide evidence that the Statute of Limitations has not expired on this accounted. 
I am not in default. 
Please see attachment
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. I sent a letter credit bureaus with proof that they were reporting inaccurate information on my credit file. XXXX have since deleted this item off of my credit report. However, Equifax and XXXX continues to state that this item belongs on my report despite the proof that I have provided and worked for the other bureau. This inaccuracy is really stopping me from moving forward while hurting my credit rating. I am a victim of identity theft, I ask that the items be deleted to correct my credit report. I have also enclosed copies of the Federal Trade Commission 's Identity The Affidavit. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or mostly that item of information, as appropriate, based on the results of the reinvestigation, and ( I ) promptly notify the furnisher that information that the information has been modified or deleted from the file of the consumer.

According to FCRA Section 605B it is illegal to report information on my credit report without my permission Please remove the following items from my credit report, immediately : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hard Inquiries that do not belong to me reporting recently on my report - XXXX  XXXX / XXXX XXXX, 2024 - XXXX XXXX XXXX/ XXXX XXXX, 2024 - XXXX XXXX XXXX / XXXX XXXX, 2024 - XXXX XXXX XXXX XXXX XXXX, 2024
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act # numbers US bank 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 states a consumer reporting agency can not furnish a account without my written instructions. I have informed the credit bureaus to remove this but I keep getting a generic letter. I demand a proper investigation or I will take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently reviewing my Equifax Credit Report and there is a fraudulent account report on my credit report that is not mine. This is my first time checking my credit report in years. 
Below is the fraudulent account that I would like to have permanently deleted : 1. XXXX
Product: Prepaid card

In fall of XXXX  I received a {$100.00} gift card. I tried to register it online and saw that only {$15.00} was available fore use. There had been an attempt to spend {$85.00} at a store in another state, but it was declined, so it showed an {$85.00} deficit, than a credit in the same amount. In trying to find out if I could get the full {$100.00} restored there was no normal customer service option ; instead I was prompted to open a " case '' and explain this. The company said to wait 90 days for a decision, and when I tried to check in periodically I couldn't see any evidence of things happening. This year I got an email that just said, your claim is denied. For more information look at your account. ( All I could see there was that my claim was denied. No explanation, and now no ability to look up a balance on the card. ) I checked back a few times to see if eventually the card would be listed again, but finally got frustrated and wrote a letter to InComm Inc. asking what their reasoning was. Shockingly, the day I mailed my letter a letter came from them. I was prepared to apologize profusely, but what they sent was a {$15.00} gift card and no explanation of why the {$85.00} was now gone. I appreciate the gesture but this feels like a lot of money flowing to them when the attempt to scan or skim this card was in fact denied! And they made things much worse by not allowing me to communicate with them or hear what their process was.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank ran an unauthorized credit check on my credit report on XX/XX/XXXX XX/XX/XXXX. I sent a letter to XXXX, Equifax as well as XXXX XXXX XXXX asking for removal of the unauthorized inquiry. XXXX, and Equifax said I needed to reach out to XXXX XXXX XXXX  ( which I did in writing ) and the inquiries are still reporting. 

I did not apply for a line of credit from XXXX XXXX XXXX. I would like the inquires to be deleted NOW. It is against the law to run an unauthorized credit check without my permission.
Product: Debt collection

I discontinued insurance with XXXX and ended my policy. I was told by XXXX  that the policy amount was prorated and I paid for the amount of service i retained. I told this CCS company that this was settled and please stop sending harassing letters because I don't owe XXXX. Company has not responded to the requests I have made for proof and to please close and remove for my credit reports. I have also contacted the three credit bureaus for an  investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/2022. I believe that you and the credit bureaus missed understood what my complaint was about as a CONSUMER I should have rights under the Fair Credit Reporting Act. 

The credit bureau stated that XXXXXXXX XXXX XXXXXXXX was verified. 
The problem that I am having is that the credit bureau is reporting inaccurate information and XXXX XXXX XXXXXXXX and the credit bureau doesn't XXXX the FCRA requirement. This is account is hurting my credit report by having a bunch of inaccuracies which you and the credit bureau not helping resolving this issues. 

XXXXXXXX XXXX XXXXXXXX DATE OF LAST ACTIVITY is incorrect but you say it verified but not correcting the information and investigating this account. Also, the BUREAU is REPORTING A PAYMENT HISTORY ON THIS ACCOUNT WHICH FROM MY UNDERSTAND YOU CAN NOT REPORT A PAYMENT HISTORY ON THIS ACCOUNT YOU ARE MANUILCATING THE STATUE OF LIMITATION XXXX THIS ACCOUNT MUST BE DELETED.
Product: Credit reporting or other personal consumer reports

I have lived at the same address for XXXX  years. I should only have one name, one address, and one job showing on my credit report. All other information is false and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off to XXXX on XX/XX/2022. My tracking number is XXXX XXXX XXXX XXXX XXXX. I also sent a letter to Equifax on XX/XX/2022. My tracking is XXXX XXXX XXXX XXXX XXXX. I have contacted them to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act XXXX2 USC 1681, I have the right to privacy. According to 15 USC 6802, no financial institution is supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit card or prepaid card

I have tried getting a preapproval with capital one for a credit card. However, I am not getting preapproved and the reason says its due to a prior account I had with capital one. However, I have always paid my credit card balances in the past.
Product: Payday loan, title loan, or personal loan

I struggled to pay back this loan due to financial difficulties. On top of that, they kept adding fees and late charges to my loan. 

Today i received the emails i attach. XXXX XXXX who claims to work at speedycash demanded immediate payment using prepaid XXXX cards. 

When i didnt do what she asked she send another aggresive email claiming they had issue a warrant for my arrest. I wasnt even served any papers and they are already claiming they will have me arrested. Please help.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint that I am a victim of erroneous reporting and I submit to dispute these inquiries and inaccurate address in my file resulting from the inaccurate reporting. The inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these inquiries in my credit file that resulted from an alleged inaccurate reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -TRANSUNION XXXX XXXX XXXX XXXX These inquiries are unknown to me. Also, the information you provided on these inquiries was DELETED from other bureaus and I have doubts about their accuracy and the reported history date on these inquiries are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Payday loan, title loan, or personal loan

My loan was paid off XXXX XXXX, XXXX. The company is trying to say that I owe another payment and XXXX and something in interest. They pulled XXXX out of my bank account on XXXX/XXXX/XXXX. I never received any notice that I owed any extra money.