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

Discover Card XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Subject : Urgent Request to Review and Correct Reporting under FCRA Section 623, Truth in Lending Act, and IRS 1099-C Guidelines Dear XXXX XXXX XXXX I am writing to urgently request that you review the reporting of my account with Account Number XXXX in accordance with the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ), the Truth in Lending Act ( TILA ), and IRS regulations regarding the cancellation of debt. 

I have identified inaccuracies and potentially fraudulent activity associated with this account. As per the Truth in Lending Act, I am entitled to accurate and fair reporting, and I am currently in the process of reporting this entire transaction as fraud. I also intend to report this matter to the IRS, as the nature of the transaction may have further implications for both tax reporting and compliance. 

According to IRS Publication 1099-C , creditors are required to file Form 1099-C with the IRS when they cancel a debt of {$600.00} or more, as this canceled debt is generally considered taxable income for the debtor. The publication specifies : A debt is deemed canceled when a creditor decides to stop trying to collect on it or reports it as a loss on their books. This may include a charge-off on their financial records.

If you have reported this account as a charge-off or have ceased collection efforts, you may be required to issue a Form 1099-C to both the IRS and myself, indicating that the debt has been canceled. Failure to align your reporting practices with IRS, FCRA, and TILA guidelines not only results in inaccuracies on my credit report but also causes harm to me by putting me at risk with the IRS, as this is considered taxable income. I am trying to stay in honor by ensuring my records are accurate and compliant. In light of these concerns, I request that you : 1. Review, verify and delete the current reporting status of this account on my credit report.

2. Provide documentation clarifying whether this account has been considered a canceled debt under IRS guidelines.

3. Issue Form 1099-C if applicable, or correct any inaccurate information reported to credit bureaus.

4. Respond to my claim of fraud under the Truth in Lending Act, providing a thorough review and documentation of the accounts legitimacy.

Please respond within 10 days to confirm your receipt of this request and to inform me of the actions you will take to address these issues. If this matter remains unresolved, I will continue reporting these concerns to the relevant regulatory authorities, including the IRS. 

Thank you for your immediate attention to this request. 

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

I am filing a formal complaint against Experian, XXXX, XXXX, and XXXX, Inc. ( commonly known as XXXX XXXX ) for failing to properly investigate my disputes regarding inaccuracies in my credit report and the refund of my money. Despite my detailed submissions, XXXX XXXX. repeatedly responds within 24 hours claiming the account is accurate, without providing any refund or evidence of a thorough investigation. Similarly, Experian, XXXX, and XXXX have failed to conduct reasonable investigations into my disputes, violating their obligations under federal law. 

This practice is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of consumer disputes. Additionally, Experians actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced by the Consumer Financial Protection Bureaus ( CFPB ) recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations.

I respectfully request that the CFPB take immediate action to ensure that all parties involvedExperian, XXXX, XXXX, and XXXX, XXXX.comply with federal law. They must provide clear proof of a reasonable investigation into my disputes and rectify the issues promptly.
Product: Credit reporting or other personal consumer reports

Im responding to the response the company sent me. They said the account XXXX XXXX XXXX was acquired on XX/XX/2024. But it was reported to the credit bureaus as an account opened on XX/XX/2024. Theycannot report the date that the collection agency acquired an account to my credit report as the date the account was opened. That is an inaccuracy, and should be removed from my credit reports immediately. They are deliberately goingagainst the FCRA laws just to defame my name. They decided to be untruthful in their response. I have attached a screenshot for proof that they indeed reported this account as opened on XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

My equifax file is blank it has been blank for months comes up for 1 day then disappears I have called 26 times I have sent 35 emails I have faxed my license and ss card 8 times these people are destroying my life I have been waiting to buy a house for 6 months all because equifax file is blank
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to adjust this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Like today at XXXX they called my cell phone and 2 minutes later they called the XXXX while my elderly parents are home taking there medication. I never gave them my that number.
Product: Credit reporting or other personal consumer reports

I reached out to the credit XXXX and Experian regarding this identity theft Acct being added back to my account. I was told by an manager at Experian that XXXX provided them with evidence that the account is mine. When I asked to be supplied with the same information I was told that the information could not be provided to me and that the account would remain on my credit profile. On Tuesday XX/XX/XXXX I was given a number by the Experian manager to call XXXX at XXXX. I spoke with a manager there who informed me that the account was actually not mine and the information that had not matched. The manager at XXXX stated that this was a business account I am not a business owner. Mailing, Phone or email. I was told that they would reach out to the bureaus to have this information removed from my account. Yet it has been added back again today. I have been a victim of Identity theft back in 2020. I have had an Identity alert on my account for $ years now. And all of sudden an account that is XXXX XXXX XXXX from an business is reflecting on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian about a late payment from my XXXX account on my consumer report that according to the laws should not be reporting being that it was not properly investigated by Experian and proven to be late.
Product: Debt collection

I was first contacted by Diversified Adjustment Service , Inc. on XX/XX/XXXX by email concerning an alleged debt owed to telecommunications company XXXX for {$25.00}. I responded to them by XXXX mail and email on XX/XX/XXXX asking for validation pursuant to FDCPA. I wanted to know why they thought I owed this amount and was legally obligated to pay it. They responded on XX/XX/XXXX with an " XXXXtemized Statement '' that simply listed an " Unpaid Balance '' of {$25.00}. I responded to them on XX/XX/XXXX, again via XXXX mail and email, and stated their response was insufficient. I again asked for validation pursuant to FDCPA and further explained that I paid my account with XXXX in full on XX/XX/XXXX so there was no reason for them to send a bill on XX/XX/XXXX stating an " Unpaid Balance ''. Pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA I demanded they provide me with competent evidence that I am indeed the party that owes the debt and that I have any contractual obligation that is binding on me to pay this alleged debt. Per the FDCPA, I also asked them for the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Proof that, as you stated in your in email to me, that I gave you permission to contact me via email. 
Proof that your agency is licensed to conduct business in the state of Tennessee.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims that have been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt Commission for debt collector if collection efforts are successful. 

They responded to my letter on XX/XX/XXXX with yet another " Itemized Statement '' and none of the information I have repeatedly asked for. They also continue to harass me by telephone even though I asked them not to. I sent them another letter today, XX/XX/XXXX asking them once again to send me the information that I have asked for and to stop contacting me by telephone. I also informed them that I would be filing this complaint. I am attaching copies of all of the correspondence with them to this complaint. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX  ) as supporting evidence of my identity theft claim.

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX / XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent. 

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file. 

Requested Actions Immediate blocking and removal of the fraudulent account listed above. 
Written confirmation of the removal of the fraudulent information. 
Assurance that the deleted information will not be reinserted into my credit report in the future.

Several times, I have contacted the credit bureau reporting this fraudulent account on my report, yet XXXX XXXX has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, this account has already been deleted and not verified by other bureaus, which raises concerns as to why it remains on my report. 

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete this account immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case. 

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.
Product: Student loan

About my classification at XXXX, at aidvantage it shows i'm a XXXX. but i never taken XXXX courses. Only XXXX course. So under the loan forgiveness it has me paying 25 years ( as a XXXX ) and not 20 years ( as a XXXX )
Product: Mortgage

Our original loan was a 15 year mortgage. The end date was XXXX. All payments were made on that loan. Why is this account still open and taking payments through XXXX? 
Spoke to Huntington to no avail. They are allegedly investigating. This mortgage was never refinanced. We are seeking a refund of monies paid in excess, and a dissolution of a single repeated XXXX charge that they can not explain, but never removed. 
Sincere thanks, XXXX XXXX
Product: Debt collection

So I make a payment on on XX/XX/XXXX to XXXX XXXX in XXXX California the XXXX office my account is in however they also have it with AWA collections From XXXX to XXXX of XXXX and XXXX to XX/XX/XXXX the balance was {$2400.00} XX/XX/XXXX XXXX XXXX checked my credit it was {$2400.00} I spoke to a representative at Awa collection and she stated my balance was {$2400.00} Representative told me to send the receipt of the payment I claim to make and she gave me a direct line and told me she would call me to remind me to make a payment for the month of XXXX So today XX/XX/XXXX I check my experience to see the balance was XXXX instead of {$2200.00} So $ XXXX XXXX XXXX They couldnt give me answer they told me interested is added but thats a lie because the doctor office stated no interest is added So I want AWA colllection to report my medical bills correctly and stop lying to me They also threatened we can remove the interest that was magicalled added when you said to make unless you pay it right now
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I submitted a wire transfer request for {$33000.00} from my CHASE BANK account to XXXX XXXX XXXX. The wire was sent to account XXXX to the recipient XXXX XXXX. The receiving bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ILLINOIS XXXX. 
I asked my Chase bank to recall it because the recipient stated that he did not receive the money. The XXXX XXXX did receive the transfer and they said the recipient had recipient did get the money and that they could not recall the funds unless the recipient gave them permission to withdraw the amount from his account which he would not do.
Product: Credit reporting or other personal consumer reports

I'm following up on the unresolved issue of fraudulent inquiries on my consumer report. Despite multiple attempts to address this, these unauthorized inquiries remain, causing significant mental and financial distress. As a victim of identity theft, I bear no responsibility for these entries. 

These inaccurate items have severely impacted my financial well-being, hindering my ability to purchase a home and provide for my family. I've attached a copy of my previous letter to the Federal Trade Commission ( FTC ) detailing this issue for your reference.
Product: Payday loan, title loan, or personal loan

On  XXXX / XXXX /  XXXX   I sought information online from my current  bank ( Wells Fargo ) regarding terms of a personal loan. The information on their website offered a screen to enter the amount of loan and term ( years ) of the loan to identify an  interest rate based upon my input. The rate provided for a my {$10000.00} 48 month loan returned 7.992 %. It displayed a caveat that it was subject to " excellent credit history and ability to repay the loan. ". I then applied online for the loan. Within a hour I received an email response saying the loan was approved ; however the interest rate for the loan was 12.004 %. I then called  Wells Fargo  at  XXXX  ( number on the loan application response ), to talk with a service agent as to why there was a 33 % increase regarding in the interest rate when I have an excellent credit rating ( based upon all  XXXX  major credit bureaus [ in fact, I have never defaulted on any payment in 52 years ] ), there is absolutely no indication on any of my credit reports showing past due, late, or any other credit issues. I have had two authorized inquiries in 4 yea rs ( to pu rchase a used car, and refi my home for a lower interest rate - which is good financial practice ). I also asked if my ability to repay the loan appeared to be an issue. The service agent stated that she could not provide any information other than that the interest rate is computer generated. I asked to speak with someone else that could tell how the interest was calculated and increased 33 % since obviously some " person '' approved it. I was transferred to a gentleman who ultimately gave me the same answer - it 's computer generated. I then called my local bank  ( Wells Fargo  -  XXXX , NC  )  and spoke with the branch manager. I asked her the same questions. What in my financial information justifies a 33 % increase in your advertised rate? I asked if she saw anything in my credit history that was an issue - she advised no. I then asked if there was an issue with my debt to income ratio, or my ability to repay the loan, and she stated it is currently 21 % and that they do n't have concerns unless it 's above 40 %. She then, like the other agents of  Wells Fargo, stated  that she can not explain the 4  % ( 8 % to 12 % ) increase  other than it is computer generated. I advised her further that I have never been unemployed ( ever ) since age  XXXX , I make almost {$90000.00} a year, I only have a house payment of {$1200.00} and a car payment of {$220.00}, and I 've never missed ANY payments on ANY loans EVER, and I have an " excellent ''  credit score bas ed upon the credit reports ( I 've ran all  XXXX  reports to confirm ). Why then, is there a 33 % increase in your loan offer versus the advertised rate on your website. She only stated, it was computer generated ... and no other explanation provided. If I ca n't get an 8 % loan ( as advertised ), I would like to see who can.     I am willing to provide to CFPB my financial records for review.
Product: Prepaid card

I am trying to use an American Express prepaid gift card that was given to me. I have tried to use the card online at both XXXX and XXXX. However, the transaction does not go through at either vendor. I have searched online for a solution and found this to be a common problem with this type of gift card. 

See here : XXXX XXXX XXXX I have tried to check the balance of the gift card at the website listed on the back of the card, " XXXX '' However, this doesn't work. I also called the number on the back of the card to confirm the balance and was able to confirm that the card has a balance of {$50.00} on it ( the same as the starting balance listed on the front of the card ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my report from XXXX XXXX  XXXX XXXX and Equifax Mortgage XX/XX/2018. I contacted the company and they had no information and dont know why the inquiry is on my account. I been going back and forth with XXXX. They wont even put in. Dispute or help me with this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi ... 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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, all have violated my rights. 

15U.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 an account without my written instructions. 15 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # xxxxx XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. Statis 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 15 U.S.C 1666 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Debt collection

In

Accordance with the Fair Credit Reporting Act Cover gent Account number unknown, has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S code 6802 A financial institution may not directly nor Through a third-party affiliate Disclosed to a non-affiliate Or third-party any personal informa
tion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear team, I took a loan of rs XXXX from XXXX indibulls on XXXX XX/XX/XXXX. All XXXX  going regularly till XX/XX/XXXX. 
Now I received a call and offer mail ( attached same ) from XXXX for precloser that if loan will be preclose today than special discount and said for pay XXXX XXXX I paid XXXX and it will be precloser not settlement. I have paid this amount through online link. 
second day XXXX XXXX more demanded from me but I have not paid and My loan showing settled in cibil and dhani afraid me about cibil. 

I have paid all XXXX on time and paid advance than how loan could be settled this Arbitrary of company. 

Now company demanding Rs XXXX for correction cibil. 

Nodel and support also not helping me they saying only payment. 

I am unable to pay this amount because company made false promise with me. 

This is totally cheating and I clearly tell you foreclose my loan as per quotation. 
Request you please take necessary action against XXXX and help me. 

I am following thius case from XX/XX/XXXX but nobody ready to listen. 

All evidence attached the same.