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

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U. S. C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFRPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXXXXXX for discrepancies in the way they have reported my account information to credit bureaus. I have encountered issues with two accounts, and despite my best efforts to rectify the situation with XXXX XXXX XXXXXXXX directly, the matter remains unresolved. 

Account Details : Account 1 : XXXX XXXX XXXXXXXX Charged Off Account Account Balance : {$810.00} XXXX XXXX : {$500.00} Additional Fees : {$310.00} ( Junk Fees ) Discrepancy : I contest the validity of the imposed junk fees, and I believe they have been unfairly assessed. 
Account 2 : XXXX XXXX XXXXXXXX Paid in Full, Closed Account Account Balance : {$0.00} XXXX XXXX : {$6500.00} Payment History : 30-Day Late Payment reported in XX/XX/2021 Discrepancy : I have never missed a payment, and I have substantial evidence to verify that I paid the account in full. 
Consumer Banking Laws and Codes ( New Jersey ) : In accordance with New Jersey consumer banking laws and codes, including the recent legislation signed by Governor XXXX XXXX : New Jersey Statutes Annotated, Title 17 - Corporations and Institutions for Finance and Insurance New Jersey Administrative Code, Title 3 - Banking and Insurance XXXX XXXX XXXX XXXX to Safeguard New Jersey Consumers Against Unfair Credit Card XXXX ( XXXX ), which prohibits sellers from imposing certain surcharges for credit card transactions Issue : Despite my attempts to resolve this matter directly with XXXX XXXX XXXX , they have not corrected the inaccurate reporting. As per the Fair Credit Reporting Act ( FCRA ) and the New Jersey consumer banking laws, I have the right to accurate and up-to-date information on my credit report. XXXX XXXX XXXX XXXX failure to update my payment history is a direct violation of my rights under these regulations. 

CC : New Jersey Attorney General 's Office
Product: Credit card

I logged into my bank and noticed one of my cards was no longer on my dashboard, i called PNC bank and they told me that they closed my card due to inactivity. I asked why no notice was given beforehand or else I would have used the card for a small purchase but they said they didnt give a notice. Only notice was sent out two days that the card was now closed. I asked them to reopen it and they said they could not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge off on my account that IS NOT a charge off. 

Payment to Lien/Lease holder ( if applicable ) {$11000.00} - XXXX XXXX XXXX XXXX XXXX to You {$3400.00} - XXXX XXXX XXXX XXXX XXXX has not verified the payment received for the 10 day payoff that my insurer paid to this lender in full. This is very unsettling as I have been attempting to resolve this but it just keeps going after evidence is presented. I am not sure where to go from here but I do know I will continue my dispute for this account as it is inaccurate. 

My vehicle was declared a total loss with my insurer, XXXX XXXX in XX/XX/2020. At that point, XXXX XXXX contacted my auto lender, XXXX XXXX XXXX. XXXX XXXX then in turn received a payoff in the full amount of which was valid for 10 days via whatever portal these companies utilize. XXXX XXXX issued the payment and it was cleared. I even received {$3500.00} AFTER this account was paid in full as per the documents attached. I have been trying to get this off my credit fill and been in contact with XXXX who has been unwilling to assist and hung up on me multiple times nor responded to my e-mails. XXXX is not even affiliated with the XXXX  and I have filed a report with them as well. I did contact State Farm who paid off XXXX for this loan IN FULL and they were kind enough to provide me with secured e-mail transcripts showing where a loan insurer with XXXX DID receive the payoff AND released the title to the vehicle. Documentation is attached showing the communication between XXXX and XXXX XXXX ( who paid this off IN FULL with a 10 day payoff they received ). 

ALL of this account is inaccurate with payment history not reflecting from my insurer, etc..it shows the last payment was on XX/XX/2020 HOWEVER, a payment in full for a 10 day payoff quote was made on XX/XX/2020. 

This account needs to be removed immediately due to XXXX reporting from the furnisher.
Product: Credit reporting or other personal consumer reports

I noticed my credit report score drastically change and also was denied loans. 
One of those loans being a auto loan that got denied due to this XXXX mistake. I have no other plan to come up with the money to purchase this family vehicle. 
I noticed the false information XX/XX/2024. 
I applied for a Auto loan XXXX XX/XX/2024. 

I called the Original Creditor and They told me its a issue I have to take up with XXXX themselves for reporting the false info. And they proceeded to send me my actual balance.
Product: Credit reporting or other personal consumer reports

I received a credit report from the mortgage company and was shocked to find evidence of identity theft. Multiple accounts, like XXXX XXXX # XXXX, XXXX FIR # XXXX, XXXX # XXXX, and others, were discovered, which I didn't open. I kindly request the removal of these fraudulent accounts from my credit report, in accordance with the consumer law ( 15 U.S. Code 1681b ) and CCPA/CPRA regulations.
Product: Credit reporting or other personal consumer reports

i sent certified letters to experian, transunion, and XXXX, stating that they are specifically in violation of federal law 15 USC 1681b ( 2 ) and 15 USC 1681c-2 ( a. they have not responded in the appropriate time and this matter is affecting my daily being
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some issues on my credit file that need addressed, my name is XXXX XXXX XXXX SS XXXX XXXX XXXX. Please remove any other variation of my name it is not accurate ( Please delete XXXX XXXX, XXXX XXXX ) The following addresses are not mine please delete XXXX XXXX XXXX # XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # # XXXX XXXX XXXX, CT XXXX I have requested documentation from the following 5 collections agencies : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX # XXXX. Please delete the above accounts they are not accurate and unverified 609,611,623 FCRA violation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/XXXX Account Number : XXXX Dear Experian, I am writing regarding the above-referenced account that was charged off and closed by your institution. The information reported to the consumer reporting agencies indicates that the account was charged off with an unpaid balance of {$22000.00} as of XXXX, XXXX. 

Pursuant to the requirements of the Internal Revenue Code ( IRC ) Section 6050P, creditors are required to issue Form 1099-C for cancellation of debt when the debt meets specific criteria, including being discharged, settled for less than the amount owed, or considered uncollectible. I am formally requesting that you review the status of this account and confirm whether it qualifies for debt cancellation. If applicable, please issue a Form 1099-C for the canceled portion of this debt.

Additionally, in accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of this account from my consumer credit file upon verification of debt cancellation. As this debt is no longer collectible or reportable, continued reporting may constitute inaccurate information under FCRA Section 623.

To ensure clarity and compliance with applicable laws, I kindly request the following : 1. A written confirmation of whether Form 1099-C has been issued or will be issued for the account.

2. Removal of this account from my consumer credit file with all applicable consumer reporting agencies.

3. Documentation showing the resolution of this account, including any applicable codes or references under federal laws.

Please respond to this request within 30 days of receipt, as required by federal regulations. If further information is needed, you may contact me directly at XXXX or address listed above. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

I sent out a full validation debt request on XX/XX/XXXX and did not receive a response. According to the ( FDCPA ), 15 U.S.C. 1692 a full validation request should include the following : Complete payment history, the requirement of which has been established by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXX. App. XXXX  XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, where the goods were received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor. Date of Last Activity My full, complete and correct social security number that may help
to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 

The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government- issued identification cards ) that was presented to you at the time of incurring this debt. 

Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXXXXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) -information relating to the purchase of bad debt is not proprietary or burdensome. The debtor must phrase their request clearly to obtain : The source of debt and the amount a bad debt buyer paid for the plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on the defendant to collect the debt. 
Proof that this debt has not been written off as a tax liability. 
Any other intimate knowledge of the creation of the debt by you, the collection agency.
Product: Student loan

I am writing to bring to your attention a concerning issue I have encountered in regards to the PHEAA XXXX XXXX XXXX. The purpose of this letter is to request an investigation into their fraudulent reporting practices and their addition of interest to a loan that has been canceled. 
I am a victim of this fraudulent reporting, as PHEAA has reported a loan on my consumer report that has been canceled. Furthermore, they have sent me a 1099B form acknowledging the cancellation and categorizing it as income, as per IRS guidelines. Despite this, they continue to report the loan on my consumer report, which is misleading and inaccurate. 
To provide a clear picture of the situation, I would like to outline the key points : XXXX. Loan Cancellation and 1099B : - The loan, which has been canceled, was acknowledged by PHEAA through the issuance of a 1099B form. 
- The cancellation of the loan makes it income, as stated by IRS guidelines. 
- I have attached a copy of the 1099B form for your reference. 
2. Fraudulent Reporting : - PHEAA XXXX XXXX XXXX continues to report the canceled loan on my consumer report. 
- This inaccurate reporting adversely affects my credit history and financial standing. 
- The reporting of the loan, along with the addition of interest, is misleading and deceitful. 

Enclosed with this letter, you will find a copy of the 1099B form for your review. I kindly request that you commence an investigation into the fraudulent reporting practices of PHEAA XXXX XXXX XXXX. Your intervention and resolution in this matter will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Continued Reporting of Inaccurate Information and Identity Theft Concerns Dear Consumer Financial Protection Bureau, I am writing to urgently bring to your attention a critical matter regarding unresolved disputes concerning certain collection and charge-off accounts on my credit report with TransUnion. Despite my repeated attempts to resolve these issues directly with TransUnion, I have encountered significant obstacles and have yet to see a satisfactory resolution. 

On XX/XX/XXXX, I initiated disputes with TransUnion regarding the following accounts : XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) - TransUnion Account # : XXXX XXXX. XXXX XXXX - TransUnion Account # : XXXX XXXX. XXXX - TransUnion Account # : XXXX XXXX. XXXX - TransUnion Account # : XXXX Despite the passage of the mandated 30-day period for investigating disputes, these items persist on my credit report. Additionally, I have received continued communication from collection companies associated with these debts, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ).

I have diligently followed the established procedures for disputing inaccuracies on my credit report, including sending a certified letter under Section 609 of the Fair Credit Reporting Act ( FCRA ) to TransUnion on XX/XX/XXXX, providing documentation and evidence of the disputed items. However, I have yet to receive satisfactory responses or evidence of validation from TransUnion. 

This ongoing reporting of inaccurate and unvalidated information has caused significant harm to my credit standing and financial well-being. It is imperative that these disputed items be immediately removed from my credit report to rectify this situation. 

Furthermore, I am deeply concerned about TransUnions history of settlements and legal actions, including but not limited to : The Consumer Financial Protection Bureau and the Federal Trade Commission reaching a {$23.00} XXXX settlement with TransUnion for reporting inaccurate eviction records in tenant background screenings. 
TransUnion LLC facing a class action lawsuit alleging failure to protect the personal information of XXXX XXXX people affected by a XXXX data breach. The lawsuit, filed by XXXX XXXX, alleges XXXX negligent failure to encrypt sensitive information, implement reasonable security measures, carry out adequate analyses and testing of its systems, or properly train its workers. 

These incidents raise serious questions about XXXX commitment to protecting consumer data and accurately reporting credit information. 

I urge the Consumer Financial Protection Bureau to intervene on my behalf and compel TransUnion to take swift and appropriate action to resolve this matter. The continued reporting of inaccurate information not only violates my rights under the FCRA but also undermines the integrity of the credit reporting system.
Product: Debt collection

XXXX from XXXX XXXX XXXX has been harassing my friends and family members, even immediately after I called and spoke to them. They have no reason to talk to any of these people, unless it's to get my whereabouts, and since I am in contact with them, this is nothing but harassment of them and me. 

I told XXXX, I regret this situation. I acknowledge my obligation. Im committed to repaying you in full, and as quickly as is possible. My financial situation is difficult and unclear at this point. I will be back in touch with you in two weeks to discuss a repayment schedule. 

XXXX would not accept this and kept harassing me on the phone. When we hung up he immediately called a friend of mine, woke her up, and harassed her to " Get information on XXXX. '' In addition, they have attempted to contact the mother of this friend ( whom I have never met ) to talk about this delinquent loan as well.
Product: Debt collection

On XXXX/XXXX/17 I spoke with several reps within the company in told me several different stories, I was desperate to get the report off my credit & ERC advised me in XXXX that I would have to pay to have it removed. I sent a letter requesting if I paid the debt I was n't admitting I owned the debt but that I wanted it removed quickly. When I called today I was advised the fraudulent charges would not be removed and that even if I made payment they would still report on my credit profile. I was then referred to the Office of Presidency and was told to request for my letter of deletion. I spoke with, XXXX XXXX - supervisor and Rep XXXX XXXX. When I called this department I was sent to a voicemail. I then called ERC back and spoke with XXXX washington - he advised me that the account was in fraud status and that they were not going to delete the account. When I asked him what the department of presidency did he placed me on hold without any notification and XXXX XXXX - supervisor said the account when into dispute in XXXX of 2017 and as of XXXX/XXXX/2017 the account was placed in fraud status and the department of presidency would be able to advise me when the account would be deleted. This company is reporting inaccurate information on my credit profile with out any real proof of me ever owing the debt.
Below I attached information sent, they do n't even have the correct information providing proof the debt is mine and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

Never done business with the third party attempting to collect this debt. Dont know how they received my personal information. This is a violation of my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THE SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Universal CitiBank card XXXX  says : opened XX/XX/XXXX 1st reported XX/XX/XXXX - wow over 10 years? 
Recent balance of {$4000.00} in XX/XX/XXXX but the status hasn't been updated since XX/XX/XXXX despite a very important change. 

XXXX  says : opened XX/XX/XXXX 1st delinquency XX/XX/XXXX ( never happened ) but didn't report it until XX/XX/XXXX ( that was me actually, not them.. their computer is backwards ) Date of last payment XX/XX/XXXX scheduled payment : {$4000.00}, past due {$2500.00} XX/XX/XXXXnotes : consumer declared natural disaster ( that was them, not me ) Consumer says : 1. This account was closed in XX/XX/XXXX. 
2. Given the fact that XXXX  didn't know of it until XX/XX/XXXX, I'm not sure the one currently showing up is even the one I disputed years ago when I didn't get my bill, had my payment processed incorrectly and my account mixed with someone else 's BUT it's all besides the point because ... 

IRS says : Canceled XX/XX/XXXX Identifiable code : G ( that means " claim filed with government '' in XXXX  language and " collection account '' in XXXX  language - though both admit I have no collections anywhere in my file. Perhaps that's because in IRS language G means : DECISION OR POLICY TO DISCONTINUE COLLECTION. I tried explaining to the phone agents that XXXX  wasn't a country ... yes, really.. they thought XXXX  had its own laws, as well as attempting to explain to XXXX  that the IRS is a US government agency with jurisdiction over financial laws such as these but they didn't understand or care cause they have no idea who or how the computer obtains its info or who is in charge of fixing errors. 

Citibank is also having a hard time understanding that an IRS cancellation on XX/XX/XXXX at the final balance of {$3700.00} means no charge-off status can exist and any amount above {$3700.00} never did exist. One would have to understand US currency and calendar dates to get that these reports don't make sense. XX/XX/XXXXcomes after XX/XX/XXXXwhen the account status was last updated. The charge-off status is hereby overwritten by the IRS due to multiple violations of the Fair Credit Reporting Act to the best of my knowledge, which is limited but still more than anyone who works at XXXX, XXXX  or half of Citibank. 

I'm not putting anyone down as credit reports are hard to understand but I'm sure they're a lot harder when you aren't familiar with the currency, language, calendar, mathematics, laws or government agencies associated with the files you're working on and can't be held personally ACCOUNTABLE since you don't live or work in the country of which the laws exist. However, that doesn't make the crimes inflicted upon me legal. Please stop ruining my life. I'm just trying to make an honest living. 

PS. The letter they issued in response to the last time I reported them says federal regulation requires the message printed on the reverse side but they didn't send me the other side?
Product: Debt collection

I looked at my credit report and saw Telercovery ( XXXX, Louisiana XXXX ) is reporting I never paid my bill. I have proof from hospital and doctors I paid them in full and XXXX XXXX is reporting the medical bill/debt to Telerecovery. 

I contacted XXXX XXXX XXXX and asked for proof that I owed money and why they were sending in medical bills to a collection agency and they assured me that they do not do that. 

I have requested proof of medical debt that is not paid and have not received anything. This is greatly impacting my credit and need to take action to fix that for financial prosperity purposes.
Product: Credit reporting

My address on my credit report has several variations which occur when people enter the information incorretly, I have an address reported on my credit that I have never resided and never lived, and I have a name on my credit that isnt me as I have never been married and I only have XXXX legal name and have never used an additional name.