23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is not following the FCRA guidelines concerning consumer accounts. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting agencies. I am concern as this has made a tremendous NEGATIVE impact on my credit reports. After disputing with XXXX XXXX, XXXX via phone, the representative stated they were a third-party company that has no documentation with my signature to provide proof to " any '' customer. They didn't remove the account. I had reached out to TransUnion XX/XX/2020, and XX/XX/2020, informing that I have no account with XXXX  XXXX, XXXX requesting them to remove the account. TransUnion " CLOSED '' the account but didn't remove the account. Not only " closing account '' is detrimental to any accounts of a consumer, but it gives lenders to think an individual can not pay their bills. TransUnion didn't delete an inaccurate and unverifiable account and couldn't provide proof to me in reference to these two accounts from XXXX XXXX, XXXX belongs to me.
Product: Debt collection

This debt is medical related. I have and continue to dispute the amount owed. However, regardless of my continued actions, it is my understanding that a collection agency can NOT report medical debt to the credit bureaus. In late XXXX, the collection agency did report my debt to the bureaus.
Product: Checking or savings account

US Treasury issued a check for social security benefits and was deposited into a Bank account on XX/XX/year>. On XX/XX/year>, Social Security verified that the check was cleared. A required documentation regarding breakdown of payment has been provided to the bank. It is now XX/XX/year> and the bank has my money in a Suspense Account and will not release the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit card is incorrectly reporting the date my card was Charged off. The Card was charged off/closed in XX/XX/XXXX however, they have it showing charged off in XX/XX/XXXX. XXXX XXXX also shows that the card is 120 days late starting up again in XX/XX/XXXX however, the card is closed, nothing was charged since the charge off, and it was sold to a debt collector prior to the late pays being reported as though my card is still with XXXX XXXX. I also contacted the credit bureaus who will not fix the issue. XXXX 's will not send me verification that the card was charged of in XXXX and they violated FRCA 623 ( a ) ( 5 ) as they did not report the charged of date accurately within 90 days of the charge off.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally request the Consumer Financial Protection Bureaus assistance in resolving a dispute regarding the reporting of a bankruptcy on my credit file. I previously contacted the credit bureaus TransUnion to dispute the inaccurate information, but they have failed to respond within the legally required timeframe. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), the credit bureaus are required to conduct a reasonable investigation and respond within 30 days of receiving a dispute. Their failure to do so constitutes a violation of my rights as a consumer. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), I have the right to dispute any inaccurate or unverifiable information. 
Furthermore, if the bankruptcy information was obtained from a third-party source rather than the original court records, it may constitute a violation of the FCRAs accuracy requirements. The law mandates that only accurate, complete, and verifiable information be reported on consumer credit files. If the credit bureaus can not provide evidence that the bankruptcy is being reported accurately, they must remove it from my report. 
Given that I have not received a response from the credit bureaus, I request that the CFPB intervene and require them to comply with federal law by either providing verification or deleting the bankruptcy from my report. 
Enclosed, please find copies of my previous dispute letters and any supporting documents for your reference. I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely, XXXX XXXX
Product: Debt collection

I am requesting that CONSUMER ADJ CO immediately remove the inaccurate information associated with account number XXXX from my credit report. The reported highest balance of {$1400.00} is incorrect, and I have not been notified of any updates, changes, or overdue payments on this account, as required under the Fair Credit Reporting Act ( FCRA ).

To resolve this issue, I request that CONSUMER ADJ CO provide written confirmation that the inaccurate entry has been deleted from my credit report. If they can not provide proper documentation verifying the reported balance, I expect the account to be completely removed from my credit file.

This resolution is in accordance with my rights under the FCRA, which ensures that all information on my credit report is accurate and that I receive appropriate notification of any updates or changes. I expect a prompt and fair resolution to this matter.
Product: Credit card or prepaid card

XXXX  one will not work with me and my hardship. They made process harder and more costly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
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. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

Columbia debt recovery is validating my rights by placing information on my credit report that is inaccurate. I have never done any business with any company that is associated with Columbia debt recovery and I have never signed any contract with that company either.
Product: Debt collection

On XX/XX/2022 I received a summons for a debt to which I had contacted the debt collector twice informing them that I am a Social Security XXXX recipient. I even forwarded to them copies of my Social Security Award. I responded to their summons with an Answer and Counterclaim, I also attached copies of my communication with them showing my communications ( 2 ), and Exhibits showing actual communications, where their letter informed me to send these communications, Social Security Award letter. I mistaking thought that when a debt collector pursues you even after your have filed a dispute showing you are judgment proof, they were violating the rules of FDCPA. I asked for strict liability damages of {$1000.00} in my counterclaim filed with my answer. The debt collector responded with a Motion to Dismiss my counterclaim since they did not break the FDCPA rules. All documentation has been attached showing all of the above. All exhibits are included my official Answer to their complaint. 

Can you please help me? I now have a lowered credit score because of this, and I followed the rules. I am not well and informed them of this.
Product: Credit card

Hello, My name is XXXX XXXX, and I am strong XXXX XXXX XXXX Naturally, I applied for the Bank Of America ( BofA ) Alaskan card. I was approved. I while I was waiting to receive the card, I received a letter about my pending Bank of America Alaska credit card stating there was a fraud alert on my account. When I received the card in early XXXX, I called Bank Of America to inquire about the fraud alert, and also, I asked if I could use my card for a {$19000.00} roofing bill. The BofA rep said, " Yes, you can use it. '' I then attempted to use the card but it was declined. My husband and I used a different card. 

Upon having received my card, I added it to my digital wallet and made it my default card. I attempted to use the card for low cost items, but the card was still frozen. So, I forgot about it. That is, until I saw my XXXX charge that showed the XXXX  XXXX had been run and the charge posted to my account. When I realized this, it was when I received my first statement in XXXX. I signed onto the app and saw I only had approximately 20 days remaining to meet the {$3000.00} dollar card usage agreement to earn XXXX miles. I called BofA, spoke with a rep who told me she would request my account be given more time so I could meet the usage/spending requirements. The BofA rep stated I would receive a letter from them within a week. This was XXXX weeks ago.
Product: Student loan

XX/XX/XXXX US Department of Education XXXX XXXX XXXX XXXX. Tx XXXXXXXX XXXX XXXX XXXX XXXX Servicers earned substantial servicing fees Please return all of my money due to the of the fraudulent dishonest behavior of the following players XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX in XXXX ) attached a substantial cost of a declined scholarship onto a student loan unbeknowst to me. I declined the scholarship 2. The XXXXpromised job opportunities. The school was not forthcoming, the jobs didnt existent XXXX 3. My loan has been deferred since XXXX then received a Total and Permanent Disability status. 
XXXX, XXXX, XXXX My credit reports state my Loan was XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) allowed illegal collection tactics, seized my childrens Earned Income Credit without a noticing me. 
5. XXXX siezed my mother inheritance with someones false name. 
XXXX 6. A fraudulent XXXX XXXX XXXX was sent from XXXXXXXX XXXX XXXX without my signature. A XXXX loan removes all deferments benefits and other benefits 7. XXXX XXXX, Department of Ed is unable to provide : o an acounting of any of my payments, o A complete loan file with repayment plan, etc. 
o or any other part of my file. 
XXXX 8. NelNet failed to process my doctors signed & competed Total & Permanent XXXX 9XXXX XXXX received my Social Security XXXX XXXX and XXXX XXXXXXXX XXXX 
10. My credit reports clearly state Deferment since XXXX Paid a agreed and interest paid XXXX XXXX 11. The Social Security Admin extracted over {$220.00} from my monthly XXXX check XXXX 12. The Dept of Ed Servicers reported to me, The Student Loan file is non-existant, The servicers have all gone out of business. 
13. The Dept of Ed XXXX reported to me, We dont know who processed your file. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 U.S.C 1666b - Timing of Payments, Barclays is in violation of my consumer rights. Pursuing 15 U.S.C 1666b reporting any late payments on a open-ended consumer credit plan is illegal and must be updated as positive. A creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as a late payment for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account stated below are still reporting on my credit report despite numerous written requests, which is against FCRA. The 3 Credit Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with 3 Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the listed account from my file. 
XXXX XXXX XXXX Balance : {$890.00}.
Product: Credit card

I saw the Citibank thank you preferred card ad a couple months ago about the offer that I can get XXXX bonus point when I spend {$1500.00} within first 3 months if I did n't close an old thank you card account within XXXX. This is my very first credit with citibank so I went ahead and applied for it, I got approved, spent a couple thousands. Only later I found out the offer was n't applied to my account, so I called them asking about it, the manager I talked to said she will be able to help me to put this offer back into my account and will call me back when this is done. I waited for a month and a half, never heard back from her. So I decided to call in again today, I spoke with another manager and he offered me XXXX points instead of XXXX which I was supposed to get. That is XX/XX/XXXX of what I was offered.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX permanent and total XXXX veteran my injuries were were heavily on my mind and believe that I had made the payment on a timely manner I have been in my home for three and a half years and never had this problem before and after this infraction that won't happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days. I filed a 30 days demand to comply with the credit bureaus and still have yet to receive a responds.
Product: Credit reporting or other personal consumer reports

Demand for 1099-C Form Issuance or Payment of {$1000.00} for Damages Dear XXXX XXXX XXXX XXXX XXXX I am also formally demanding that XXXX XXXX XXXX XXXX provide a copy of Form 1099-C for my account, which has been reported as charged off in my credit reports. Below is my account information : Account Holder Name : XXXX XXXX XXXX Account Number : XXXX Charge-Off Date : XX/XX/year> Amount Charged Off : {$3900.00} Balance Owed : {$3900.00} Last Four Digits of SSN : XXXX As required by IRS regulations ( Section 6050P of the Internal Revenue Code ), creditors must issue Form 1099-C for debts of {$600.00} or more that have been charged off or forgiven. As I have not received Form 1099-C, I demand that it be sent to my address within 10 business days. 

Should this request not be fulfilled, I will seek compensation for damages caused by the failure to comply. These damages include, but are not limited to : My inability to meet my tax obligations Financial uncertainty caused by missing documentation Potential harm to my credit history due to inaccurate reporting As a fair resolution, I am requesting a payment of {$1000.00} for economic and emotional damages. This payment must be made within 15 business days via check, bank transfer, or another acceptable method. 

If the 1099-C form is not issued or the {$1000.00} payment is not received within the specified timeframes, I will take the following legal actions : File a complaint with the Consumer Financial Protection Bureau ( CFPB ) for non-compliance with federal disclosure laws. 
Report XXXX XXXX XXXX XXXX IRS for failing to issue the required 1099-C form.

File a civil lawsuit in the appropriate court, seeking {$1000.00} in damages, plus interest and legal fees.

Report this failure to comply to TransUnion and request immediate corrections under the Fair Credit Reporting Act ( FCRA ).

I expect this matter to be resolved promptly, either through the immediate issuance of the 1099-C form or by the payment of {$1000.00}. Failure to respond within the specified timeframes will result in further legal action. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

In the beginning of XXXX I noticed a collection on my credit from a Vericred Solutions LLC. I was not notified of this before it was placed on my credit report. On XX/XX/XXXX I mailed a letter asking for debt validation and verification. They failed to comply and send this information to me, which should result in a deletion of credit from XXXX. I have not received any letter from Vericred about this account in any form. This is against my rights and a clear violation. I figured I would write here for resolution prior to contacting my state attorney general.
Product: Mortgage

Called company XX/XX/year>, XXXX, XXXX, and XXXX to make a payment. Payment made during that week. 
Called XX/XX/XXXX, XXXX, XXXX, XXXX to make a payment with no response and sent to voicemail. 
Called again XX/XX/XXXX, XXXX, and a few times the week of the XXXX to make payments and paid XXXX and XXXX payments. 
Called in XXXX once each Wednesday with no response or being sent to voicemail and told I'd be called back. 
Called again twice in the first week of XXXX and 3 times the second week, was sent to voicemail. 
Voicemail was left with me in the first week of XXXX that I needed to call back. 
Called back and spoke at length with a representative that told me I could pay the past due but couldn't accept any form of payment other than a cashier 's check and that I had to have it postmarked that day- this was at the end of the work day which wasn't enough time to get to the bank. 
I called back the following week to ask for a different form of payment and was sent to a voicemail. Left a voicemail. No response from the company. 
Got into their online website and sent a request to be spoken with and received a response on XX/XX/XXXX saying I'm in forbearance and must pay a sum that they can not tell me at the time. Then send me an invoice of 4x the amount past due, then when I try to pay, the say I can not make a payment because the cost went up another 3 months worth in less than a week. 
I have reached out for help and received no help. I began calling around to veteran agencies for help while trying to jump through the hardest hoops of my life just to not lose my help
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I mailed certified letters to XXXX at XXXX XXXX  XXXX XXXX, TX XXXX disputing proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said I owe. I recieved a letter from XXXX on XX/XX/XXXX stating that this account was validate without any proof. I also noticed that XXXX updated payment history from XX/XX/XXXX to XX/XX/XXXX. It appears that XXXX did not conduct a proper investigation, they just changed things on my report and were unable to provide proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said I owe. Please see the below information, along with my attachments. 

Company Name : XXXX XXXX XXXX Partial Account # : XXXX Social Security : XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to formally dispute the reporting of a charge-off account by XXXX XXXX XXXX, Account Number : XXXX, on my credit report. The reported charge-off reflects an amount due of {$2500.00}. I believe this reporting is in violation of federal laws, and I am requesting the immediate removal of this account from my credit file for the following reasons : 1. Failure to Issue a 1099-C Form Under IRS regulations , when a debt is charged off and considered " canceled '' or " forgiven, '' the creditor is required to issue a 1099-C form to the debtor, as this cancellation may be treated as taxable income. In this case, XXXX XXXX XXXX has reported the debt as charged off on my credit report but has failed to issue the required 1099-C form to me. The absence of this form raises questions about the legitimacy of the charge-off reporting and whether the account has been properly processed in accordance with federal tax and credit reporting regulations. Without the 1099-C form, the debt has not been properly " canceled '' and, therefore, should not be reported as a charge-off. 2. Violation of 15 U.S.C. 1681-2A ( i ) : Reporting Income on a Credit Report The Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681-2A ( i ) explicitly limits the types of information that can be reported on a credit report. Income or transactions that reflect income, such as a charge-off that may be deemed canceled debt, should not be reported as part of a consumer 's credit file. A charge-off that is reported without proper documentation, such as a 1099-C, creates an inaccurate and misleading depiction of my financial history. Reporting such income-like entries on my credit report is not only misleading but also appears to contravene the intent of Congress as outlined in the FCRA.

I am formally requesting the immediate update or deletion of account BUCKEYE STATE C/U 12995XXX from my credit report that were compromised due to a Equifax and Marriot data breach, violating my rights under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681c-2, credit reporting agencies are required to delete fraudulent or unauthorized accounts within 4 business days of receiving proper documentation.

The reported late payments on this account are inaccurate and fraudulent, as they are the direct result of identity theft and data breaches. This correspondence serves as a notice under Section 605B of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must block the reporting of information that is the result of identity theft, upon receipt of appropriate proof.

I do not recognize any of the aforementioned accounts, collections, or hard inquiries. These items were never opened, initiated, or authorized by me and are the direct result of identity theft and fraud. Attached is the FTC Identity Theft Criminal FTC Report Number : XXXX, serving as incontrovertible proof from the US Federal Trade Commission that these credit accounts, collections, and hard inquiries are fraudulent.