23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

NCB management services, account number XXXX I have filed an identity theft report, I have asked this company to cease & desist all communications which they havent, I have asked this company to provide me with contract signed by all parties involved in this debt which they havent, this is a third party company I have no original contract with and my information have been sold to this third party company against my will and without my consent my consumer rights are knowingly violated by all parties involved in this account debt, this company also continues to contact me after I demand them to cease and desist all communications with me. 15 USC 1692 ( c ) ( a ), 15 USC 6802 ( B ) ( 1 ), 15 USC 1681 ( 4 ), 15 USC 1681 ( b ) ( 2 ), & 15 USC 1692 ( g ) ( b ) have been violated by this company. My last request for this company to cease & desist all communications with me and I demand this company to delete or request to delete this account from all 3 credit bureaus immediately and this account is under investigation and this company will be subpoenaed to civil court
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I mailed a letter to all 3 credit bureaus informing that the XXXX XXXX XXXX has expired and I would like all of the items included in the XXXX XXXX  deleted as well as the XXXX XXXX.
Product: Debt collection

XXXX client, XXXX XXXX is a victim of identity theft. She received a collection attempt from Credit Counsel , Inc on  behalf of XXXX XXXX XXXX for {$1400.00} dollars, an amount that she has advised is related to an issue of identity theft. This issue as well as other has been reported to the XXXX Police Dept for investigation. An official dispute of this account was sent to Credit Counsel Inc XX/XX/2018 ; as of this date Credit Counsel Inc has not provided any update as the status of the investigation of this issue which is a violation of the FCRA and FDCPA since this account was reported to my client ; s credit reports.
Product: Money transfer, virtual currency, or money service

For the record : On 2024 XX/XX/XXXX, I noticed after withdrawing funds from TD Bank to deposit into XXXX XXXX XXXX account I opened the envelope and my driver 's license wasn't provided. I finished the transaction with XXXX associate and went back to TD Bank and inquired about my missing driver 's license. The young lady proceeded to step aside to look for them and came back to tell me that they did not find them. So that's when I proceeded on to XXXX XXXX XXXX to replace the old id for a new one which I was charged {$58.00} for the replacement.
Product: Credit reporting or other personal consumer reports

I FILED AN FTC REPORT & SENT IT TO ALL XXXX CREDIT BUREAUS... I PUT ALL THE FRAUDULENT ACCOUNTS ON THERE & BELOW IS THE FTC REPORT I SENT .... I ALSO SENT THEM CERTIFIED MAIL, THEY REMOVED XXXX ACCOUNTS & RE-ADDED THEM..
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX Credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$360.00}
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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 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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX XXXX  XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. 
Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 
Supporting Case Law : In XXXX XXXX Trans Union, LLC ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit reporting

A credit report that I recently received indicated that I was in default of payments for what appears to be since the start of 2015. On my end, I made the final payment on the credit card and stopped using the card as the one I had expired. I never received a new card, so did not continue to use the credit card. Upon receiving this credit report, I see that I have been missing payments. Upon calling the company, they have been charging me a XXXX $ " minimum interest fee '', and then a XXXX $ late fee when that was not paid. Again, I was not receiving notifications of any bills or that the card was in any way active. The amount totaled to XXXX $ by the time I received the report, which I paid off immediately. Previous to this incident, I had been making timely payments to this credit card for approximately XXXX years. The company did not do a good job communicating that this was happening with me, and so I had no idea that they were still charging me even though I was not using the card. This has harmed my credit immensely and made it look like I do not make payments on time when this is not the case at all. I have paid the overdue balance and closed the account, and would like my credit score to be repaired.
Product: Vehicle loan or lease

Huntington National Bank, XXXX XXXX XXXX, Attn : XXXX, XXXX, Ohio XXXX Subject : Request for 1099 Statement Dear Huntington National Bank, I hope this letter finds you well. I am writing to request your assistance in obtaining a 1099 statement for the tax year XXXX. While reviewing my financial records, I discovered that there is an account with Huntington National Bank that has been charged off, and I need the corresponding 1099 statement to accurately report the taxable income. 

Based on my understanding, a charged-off account signifies that the bank has deemed the debt as uncollectible. However, as the account holder, I still need to report the charged-off amount as taxable income in accordance with the Internal Revenue Service ( IRS ) regulations. 

Therefore, I kindly request that you provide me with a 1099 statement for the charged-off account, detailing the necessary information to properly report the taxable income. This statement should include the charged-off amount, any applicable interest, and other relevant details as required for tax reporting purposes. 

I understand that obtaining the 1099 statement for a charged-off account may involve a different process or require specific documentation. If there are any forms, declarations, or procedures that I need to complete to facilitate this request, please provide me with the necessary instructions or guidance. I am more than willing to provide any additional information or documentation that may be required to expedite this process. 

As the tax filing deadline is approaching, I kindly request your prompt attention to this matter. Ensuring accurate tax reporting is essential to me, and I greatly appreciate your cooperation in providing the necessary documentation in a timely manner. 

If you require any further information or have any questions regarding this request, please do not hesitate to contact me at your earliest convenience. I am available to provide any additional details or clarification that may be necessary. 

Thank you for your understanding and prompt attention to this matter. I value the services provided by Huntington National Bank and look forward to resolving this issue so that I can fulfill my tax obligations accurately. 

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

XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

I submitted an online dispute to Equifax as instructed by their website and phone system for a fraudulent credit inquiry. That dispute was concluded and the results they found were that the inquiry was accurate so I followed the next steps on the dispute instructions by contacting the lender who made the inquiry. Upon contacting the lender they informed me their system had a security breach and they provided me a letter confirming the inquiry was indeed fraudulent. I then submitted another dispute through the Equifax website as instructed this time with the letter from the lender attached and Equifax once again concluded the inquiry was accurate so I followed the next steps on the dispute which is to call in to their customer service. Upon reaching their customer service it was clear the individual was over seas and very difficult to understand. The representative I spoke with XXXX refused to help me with the situation and said I would just need to mail the information in. Then when I asked what's the point of the online dispute and having an account with Equifax if they require mail in disputes he responded by saying " I don't know why you made the account, that's your problem ''. I then asked to speak to the manager and XXXX stated " I don't know why you want to talk to the manager they are just going to tell you the same thing I did '' after asking XXXX more times he finally agreed to place me on a brief 2-3 minute hold for his manager. After 15 minutes his manager, XXXX, got on the line and was able to resolve my dispute in less than 5 minutes. XXXX should not be handling calls like this with users who are already in a sensitive mind frame dealing with fraud on the credit report.
Product: Credit reporting or other personal consumer reports

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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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. Delete the accounts below : Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/year>, Equifax Creditor Name : XXXX XXXX Date of inquiry : XX/XX/year>, Equifax Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/year>, Equifax Creditor Name : XXXX XXXX Date of inquiry : XX/XX/year>, Equifax Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/year>, Equifax
Product: Debt collection

I first was notified I was being sued on behalf of a credit card debt that was accumulated during Covid and the lawyers that XXXX XXXX ( XXXX  the credit card was through ) sent a summons to appear in court. The first appearance I asked for PROOF of the debt because it was almost double the initial amount borrowed! Therefore another court date was set about four weeks later and at that time I was persuaded to negotiate a payment plan to adhere to in which I did until one day I checked my bank account and it was XXXX. They levied over $ XXXX out of my account even though I was making payments! I never agreed on a judgment and have been continuing to try and fight this as they refused to settle for anything less than the doubled amount!
Product: Debt collection

Galaxy International Purchasing continue to report inaccurate and illegal account on my credit report. In my last dispute with this inaccurate and illegal account a agency from Galaxy International Purchasing name XXXX XXXX responded with a letter stating that Galaxy International Purchasing dont and have not reported to any credit bureau XXXX I have attached supporting proof documentation from my credit report clearly showing that this inaccurate and illegal account is on my credit reporting. The statement by XXXX XXXX XXXX is subterfuge and not truthful as you can see by the supporting documentation I have attached. Galaxy International Purchasing is violating the FCRA requirements by continuing to report this inaccurate and illegal account after I have stated to them I am not the rightful owner of this inaccurate account. This is not right or fair to me and this inaccurate account being reported by Galaxy International Purchasing has caused serious injury and harm to me.

Please see attached copy of credit report showing this inaccurate and illegal account being reported after Galaxy International Purchasing stated that it wasnt being reported.
Product: Checking or savings account

Attempting to enroll in an online fee negotiating service that requires access to my online banking information on a " view-only '' basis, and Capital One will not grant access.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX Account # 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: Debt collection

I receive calls every day from XXXX along with messages stating they are calling me about a debt. I have never received a notice in the mail stating I owe money to anyone. When I researched the telephone number online I found that they call to collect a student loan. Our student loan payment comes out of our checking account religiously every month so there should be no reason for a student loan collector to be contacting me. Also, as I have already stated, I have never received any paper notice in the mail and I check my mail every day. So I believe this is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In correspondence dated  XXXX   XXXX ,  2017  I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
Product: Credit reporting or other personal consumer reports

I checked my credit report recently and discovered that there where accounts I was not aware of please remove these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report for the first time in years, I noticed I have a collection. I have no knowledge of this account. I am demanding the removal of the collection as well as everything else attached to the account that is negatively impacting my score from all three major credit reporting agencies, XXXX, XXXX, and XXXX. I would also like to note that regardless of the validity of the debt, The collection agency is breaking H.I.P.P.A. laws by sharing medical information. Here is Subsection ( d ) ( 3 ) From the revised XX/XX/2018 Fair Credit Reporting Act. 

Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 604 ( g ) ( 3 ), the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
Product: Mortgage

I contacted XXXX, a company who provide services to mortgage lenders and mortgage companies, on Monday, XXXX XXXX, XXXX regarding their unauthorized hard hit inquiry on my credit report. XXXX stated that they received authorization on XXXX XXXX, XXXX to pull my credit from Academy Mortgage Corporation. I did not authorize or give my consent for either company to pull my credit. I did not apply for a mortgage with either company.
Product: Credit card or prepaid card

The company is Synchrony Bank. I just had a mix of store cards and open loop cards across XXXX plus accounts, closed today. On the phone with them I wasnt given a reason. I have XXXX late payments, every single payment has been on time across all accounts. All accounts, save one, just received limit increases. If this is an algorithm, then why give an increase and then close the account? I have less than XXXX XXXX dollars combined I just put on a few cards, so its not a utilization or payment history issue. Ultimately, I would love to have the accounts reinstated at their current limits, with no more company interference on these accounts until an actual issue arises. Paying off the accounts should not be penalized by closing the accounts, especially after receiving increases across the board. I am good enough for an increase with high limits but not good enough to keep the accounts??? This has happened to several people, good and poor Credit scores alike, high and low limits alike and is a very predatory tactic, poor algorithm logic and not a single person to actually check the computer on its logic is insanity. The only reason there is a arbitration clause in their contract is to protect them from a class action lawsuit they would most certainly get if otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an Eviction showing that first appeared on my credit file between XXXX, for amount of {$4700.00}, it has changed from one reporting Bureau to another. The company is XXXX XXXX. I disputed this item and address of XXXX XXXX XXXX XXXX that appears as well. We noticed that a real investigation never took place, but repeatedly placed back onto my report. The amount is different on different Bureau, the date continues to be updated to appear it's new, when we hired Credit repair company to help, dates went from XXXX to XXXX, now XXXX. I submitted a document from Transunion that shows the original debtor, XXXX XXXX, paid debt off. The other Bureaus continue to replace it into my credit stating I should pay said amount of {$4700.00} which is an attempt to gain another payment for same debt that was reported and paid by XXXX XXXX. I informed them that this will be filed with IRS, to make them aware of additional attempt to gain Payment from me for a debt that I disputed several times, that the original debtor paid. I never gave any supporting information that this belongs to me, or that any of my own personal information be shared or sold. It is clear that something wrong is happening with my credit, there are several spellings that are incorrect, several addresses over twenty that I've been made aware of recently, along with numbers that are not mine.
Product: Debt collection

I am disputing an unpaid collection of {$880.00} on behalf of XXXX. The company that is charged to collecting the debt is Convergent Outsourcing last reported XX/XX/XXXX. The debt is showing on my credit report and the debt has been duplicated with another agency as well reporting to the credit bureau on XX/XX/XXXX. XXXX XX/XX/XXXX I made successful payment arrangements with XXXX XXXX the other agency also charged with settling the unpaid collection of {$1600.00} on behalf of XXXX to resolve the debt. I have only XXXX with XXXX. The account was opened in XXXX to XXXX. I do not understand why this collection is showing on my credit report from XXXX companies, different account balances, and both companies representing XXXX.
Product: Credit reporting or other personal consumer reports

TD/Target stated they did have permissible purpose to pull my consumer report leaving an unautorized inquiry. I will need XXXX XXXX to provide me with my written instruction stating that I authorized these transactions and the IP address matching to the IP address of my device that is registered under my name at the time of this unauthorized transaction.