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

Dear XXXX  XXXX Account number XXXX XX/XX/XXXX, {$470.00} XXXX XXXXXXXX XXXX XXXX Account number XXXX XX/XX/XXXX, {$2000.00} XXXX XXXX XXXX Account number XXXX XX/XX/XXXX, {$11000.00} I am writing to formally request the removal of inaccurate information reported by your company to the consumer reporting agencies. On XX/XX/XXXX, I requested verification of a debt and its accuracy. By the date of XX/XX/XXXX, your company verified it. I believe this information is incorrect and has negatively impacted my credit report, affecting my character, reputation, and livelihood. 

According to 15 U.S. Code 1681s-2, as a furnisher of information, you are legally obligated to ensure the accuracy of information provided to consumer reporting agencies. The reported charge-off, according to IRS guidelines , is considered income, not a debt, and should not appear on a consumer report. 

The IRS defines a charge-off as income, which is not to be reported on credit reports. Therefore, the current reporting is inaccurate. Furthermore, the IRS requires a 1099-C form for cancelled debts over {$600.00}, which I have not received.

By law, you can not furnish information you know or have reasonable cause to believe is inaccurate. I demand that you cease reporting this inaccurate information immediately and remove it from my credit report.

Please consider this letter as formal notice of the inaccuracies, and I request that you address and rectify this matter promptly. You have 10 calendar days to remove this entry from my credit report. 

Thank you for your immediate attention to this issue. 

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

Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint.

Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History? 
The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

From the reporting company stating that no further action would be taken with out evidence being submitted. This is not right at no point was there any information received indicating that an investigation was completed but then your company sends this response that nothing will be checked into with out proof/evidence? Your company just blatantly broke the law which states that when information is requested that the credit reporting agency needs to investigate and resolve. Now with evidence that your company broke the law the items need to all be deleted. This is completely unacceptable.
Product: Debt collection

Collection Agency   ( Progressive Financial ) is n ot reporting the correct date of last activity with creditor therefore keeping the collection continually on my credit report. I have not had an account with  XXXX   XXXX  since    2011.
Product: Credit reporting or other personal consumer reports

This is my second notice asking the following credit bureaus XXXX, Experian and XXXX to remove This is my second notice asking the following credit bureaus XXXX, Experian and XXXX to remove the following account XXXX XXXX XXXXXXXX account number : XXXX from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Credit reporting or other personal consumer reports

I have disputed my address and personal information on all 3 credit reporting agencies. They have all failed to correct the address. My address is XXXX XXXX XXXX XXXX, FL XXXX. The has always been my address. No other addresses should be reporting on my credit report. It has also been the only address on my drivers license. Any other address that is on my credit is a result of fraud. I have attempted to remove it with no success on XXXX, XXXX, and Transunion. I have also filed a report on XXXX XXXX. and submitted it to those reporting agencies but they failed to remove them. this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is this account on my XXXX credit report that I do not recognize, I dont know who the data furnisher is and the account is showing that it was discharged in bankruptcy but the problem is that I never had an account with this company called XXXX XXXX, there is no phone number being reported and it says that the account was opened in 2014. I have disputed this account with XXXX  and Equifax also and for some reason they told me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I asked XXXX and Equifax for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes. This is affecting my credit worthiness really bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

My brother has recently taught me about my credit. I pulled my report online and have never used my credit before but I have accounts. He referred me to this site with the letter I'll attached. I'm learning my rights and how this works and to have good credit but this is stopping me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Casp App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Connsumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and RegulationE. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

On XX/XX/2021 I received an email from TD Bank that a Convenience Checking account was created in my name. I received immediate subsequent emails that the contact info on this new account was updated. I did not open this account. I called TD bank immediately and waited 2+ hours to speak with their fraud department. After a troubleshooting conversation with their customer service, we finally discovered that someone opened an account fraudulently using my Social Security Number and former married name ( XXXX XXXX ). TD Bank could not actually confirm any account info unless I provided my Social Security Number to them. I requested that this fraudulent account be immediately closed, but TD bank said they must complete a fraud investigation first before the account could be closed. They tell me that they put a " block '' on the account. Since then, I have been following the instructions on identitytheft.gov for reporting and repairing my identity. I have filed a police report, requested an extended fraud alert and credit freeze with the 3 credit reporting agencies, ordered a XXXX  report, and alerted my current and former employers, in case my ID is being used for Unemployment Compensation fraud. I have called, emailed, and send certified mail to TD Bank at least 5 times since XX/XX/XXXX, requesting that they close my account. Thus far they have been unresponsive. The only feedback I have received was during my phone calls, where TD agents continue to tell me that the fraud investigation must be completed before my account is closed. When asked, they are unable to give even an approximate time frame of when the investigation will be completed, and the account will be closed. The only option given to me to close the account was to visit a TD Bank branch in person - the nearest branch is a 5 hour drive from my home. Today I received my first piece of mail from TD bank, which was an account balance statement for this fraudulent account that I requested be closed. I am requesting that you investigate why their response is so inadequate, and I am also requesting your assistance in having this account closed, and written confirmation of the account closure sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm an identity fraud victim. and filed identity fraud affidavit with all bureaus and creditors. the issue rises when XXXX XXXX reported a frequently opened account in my name and was sent the fraud affidavit but wont remove or delete the listing. XXXX TRANSUNION both reporting chargeoff/collection and XXXX reporting 120 days late. 
How is this possible. XXXX XXXX knows the account doesn't belong to me and you can see that clean from their reporting across 3 bureaus. Late on one and Charge off on the other two. XXXX XXXX AND TRANSUION all reporting different information.
Product: Student loan

I tried to get my loan dismissed because I can not get a job with the degree I received from XXXX XXXX  XXXX. Most places have told me it is not an accredited college.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The EquifaxCredit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud a few years ago andI need my address update to my credit file to XXXX XXXX XXXXXXXX XXXX, OH XXXX. My name is XXXX XXXX XXXX XXXX XXXX, SS XXXX. I have had my IDENTITY comprised at a previous address XXXX XXXX XXXX XXXX, OH XXXX, please delete or remove this address due to the fraud that happened to my credit there I don't want to be associated with this address and remove my name from any prescreened offers and promotion as well. 
Please inform the account below that I demand verification or validation if not please delete this account due to my previous ID theft I demand proof for any and all unknown accounts that I have never had a contract with these companies : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reached out about the reporting of my credit report on the inaccurate information reporting on multiple accounts for TN CHILD SUPPORT ACCOUNT NUMBER XXXX TN CHILD SUPPORT ACCOUNT NUMBER XXXX TN DEPT OF HUMAN SVCS XXXX
Product: Debt collection

We signed up for XXXX XXXXFiserv/First Data Merchant ServicesXXXX XXXX in XXXX XXXX XXXX XXXX At that time they sent us a terminal to process cards, However the terminal failed a short time after. We attempted to contact FDMS multiple times to resolve the issue, but their customer service department has over 2 hour hold times, My last hold time was XXXX hours. So we stopped using the device as it was inoperable. On XX/XX/XXXX we received 1 phone call that was labeled " potential spam '' so the calls were declined. We received the following phone calls after. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

None of these calls were answered with the exception of XXXX, where we spoke with a woman named XXXX XXXX in their `` collections department ''. This conversation lasted 39 minutes and 49 seconds. Our initial point of the conversation was trying to understand who was actually calling as they go by several business names which was part of the confusion. Furthermore we discussed the charges as this was the first notice we have received that there was an outstanding balance, We received no notices by mail, email, or by phone until the spam risk phone calls began. The balance owed was all listed as miscellaneous fees and they were unable to advise much further into that. We explained that we disagree with the balance as we haven't been able to use the service since XXXX of XXXX and there have been very little activity on the account, I explained to her the situation and she advised me to contact the customer service department, We also requested the account to be closed, She advised that I would have to contact customer service, but fees would continue to occur on the account regardless. She transferred me to XXXX XXXX customer service. after a long hold time I decided to proceed with the call back request. 2 and a half hours later we received the call back. The agent advised they would work on sending me a new device, I advised once we had a working device, we will be more than happy to pay the debt owed minus the misc fees that have been accruing. I was told he was going to send a support ticket, We have not heard anything since that day. After the 3 phone calls received on XX/XX/XXXX we called them and asked them why are they calling and explained we were waiting on a response from their customer service department. She advised she had no record of the conversation. So we advised we would be filing a complaint to the proper agencies and asked them to remove my number from their file and to not contact my cell phone number again.
Product: Credit reporting or other personal consumer reports

Re : Urgent Dispute & Demand for Immediate Removal of Inaccurate Open Negative Medical Charge-Off/Collection Accounts Dear Sir/Madam, I am writing to formally dispute and demand the immediate deletion of inaccurate and unverifiable open negative medical charge-off/collection accounts listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws, you are required to maintain complete and accurate information. The following accounts, which I have previously disputed, are reported in direct violation of my rights : XXXX XXXX XXXX Consumer Account Number : XXXX Date of Account Information/Last Update : XX/XX/year> Reported Balance : {$2000.00} Account Status : Open, Derogatory Special Comment : Account information disputed by consumer, meets FCRA requirements XXXX XXXX XXXX XXXX Account Number : XXXX Date of Account Information/Last Update : XX/XX/year> Reported Balance : {$2100.00} Account Status : Open, Derogatory Special Comment : Account information disputed by consumer, meets FCRA requirements Valid Grounds for Dismissal : Failure to Verify : Despite multiple disputes, no credible or updated documentation has been provided to verify the accuracy of these collections. The FCRA mandates that all disputed information must be thoroughly investigated and substantiated with valid evidence. 

Inaccurate & Inconsistent Reporting : The data provided on these accounts ( dates, balances, account status ) is grossly inconsistent and fails to meet the standards of accurate reporting required under the FCRA. 

Negligence in Handling Disputes : The persistent appearance of the disputed notation, along with unresolved inaccuracies, evidences a reckless disregard for consumer rights. The recent lawsuit against XXXX and XXXX underscores a systemic failure in upholding FCRA mandates, rendering continued reporting of these items legally indefensible. 

Consumer Dispute Acknowledgment Ignored : These accounts are clearly marked as disputed by consumer. Under FCRA guidelines, such notation must trigger a comprehensive reinvestigation. The failure to resolve these disputes constitutes a violation of your legal obligations. 

I demand that you immediately commence a re-investigation of these accounts and furnish me with all documentation used to verify the accuracy of this information within 30 days. If you can not provide satisfactory verification, you are legally required to expunge these items from my credit report forthwith. 

Please be advised that if you continue to report this inaccurate information, I will not hesitate to pursue aggressive legal action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney Generals office, as well as seeking all available legal remedies in federal court. 

I expect written confirmation of your compliance with this request within 30 days from the date of this letter. Direct all correspondence regarding this matter to the address listed above. 

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

My credit score went from XXXX to XXXX, with no cause. Now I am seeing XXXX XXXX with old bills dated as far back as 2009, I have repeatedly tried to speak with them. Because they think I don't know what I am talking about they refuse to take me serious. Those negative accounts should be taken off my credit report because there is no validity in them. I have yet to receive anything in writing about the reporting agency and the credit bureaus are ignoring my letters and keep sending me credit report that has a lot of jumble nonsense to go through with no intentions of removing the negative reporting agency.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

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

I just recently look at my report XX/XX/XXXX. I see some hard inquiries that did not have permissible purpose. 

XXXX. [ XXXX XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681b. 

XXXX. [ XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681b. 

XXXX. [ XXXX XXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681b. 

XXXX. [ XXXX  XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681b.