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

In accordance with the Fair Credit Reporting act the account listed below 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. 

XXXX ID : XXXX Account Number ( Last 4 ) : XXXX Owner : XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX  XXXX. 
XXXX XXXX XXXX : {$1900.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of items from my credit report that are inaccurately reported as charge-offs and collections. However, according to IRS regulations, a canceled debt, collection or charge-off is classified as income. As such, these accounts should have been reported to me with a 1099- C form, which I have not received. 

The IRS explicitly defines a canceled debt, collection or charge-off as taxable income. The failure to issue a 1099-C for any forgiven debt over {$600.00} under Internal Revenue Code 6050P. The failure to issue a 1099-C for these debts is a breach of federal tax reporting requirements.

Furthermore, under UCC 9-210, I have the right to request an accounting or verification of the obligation being reported. The absence of proper documentation, such as a 1099-C, supports the conclusion that these debts are inaccurately reported. 

Since I have not received a 1099-C for these debts, this indicates that these accounts are incorrectly reported on my credit report as debts rather than income. Reporting these accounts as debts without proper verification and documentation is both inaccurate and misleading. 

I request that you promptly investigate and remove these accounts from my credit report to correct this error. Additionally, under UCC 1-308, I reserve my rights to dispute any further inaccuracies or improper actions regarding my credit report. 

I look forward to your prompt attention to this matter and request written confirmation once the updates to my credit report have been completed. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The lady I talked to told me I had to wait for the transaction to be completed to dispute the charges that's all the money I have left till I get paid again it's an AMERICAN Express serve card from XXXX XXXX on XX/XX/2020 in the amount of {$29.00}
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Equifax, surrounding systemic issues such as failing to forward consumer-provided evidence to furnishers to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend all negative accounts that have been disputed and continue to be disputed as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I opened a USBANK checking account with promotion of {$200.00} around XX/XX/2017 but USbank refused to pay me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to apply for a mortgage on XX/XX/XXXX with several different lenders. Each of the lenders was unable to pull my Equifax credit report. XXXX and XXXX have had no problems and each report my credit card that I have had since XX/XX/XXXX. I called Equifax and was asked to fax in copies of my Social Security card and Driver 's lisence to verify my identity. I faxed in the documents on XX/XX/XXXX and waited the 7 days that they asked to process the documents. Even with the help of the documents, Equifax was unable to find any record of me in their system. Equifax asked that I reach out to my bank to verify that they send my credit card report to Equifax. I talked with my bank who verified that my statements have been sent and confirmed by Equifax ( See attached email ). My bank and I both reached out to Equifax on XX/XX/XXXX and have not been able to get a response from Equifax.
Product: Mortgage

I went to wells Fgo bank XX/XX/2008 to ask for a notification to my XXXX, Mn property. The rep at Fgo, XXXX XXXX said I had to be default in my mortgage payments 2 months before I would qualify for my modification. During that time I was XXXX from a XXXX and had to spend time in XXXX for my XXXX. The bank knew where I was and was not handed forecloses papers. My home was on the market with XXXX XXXX realtor close to being sold. I bought a home in XXXX, Mn borrowing from Wells Fargo XXXX XXXX in them knowing I would use my XXXX, Mn sale to transfer to my new home in Mn. I put over XXXX down payment to my XXXX property thinking it would be a good investment with my 401k after a XXXX XXXX that ended in a XXXX. Wells Fargo winterized my home on XXXX XXXX without my knowledge or notifying my realtor. I had a shared well with my neighbor XXXX XXXX. When winterizing the home the water was shut off to my home and my neighbors home. My neighbor had XXXX plumbing turn back on the water supply to my neighbor and which my house flooded. Wells Fargo knew I had a shared well and took no steps to secure the property winterizing it properly. My home was forced off the market and inhabitable. Wells Fargo would not let my insurance XXXX XXXX enter my home for 5 months to get a estimate that was a total loss. The story is lengthy and I have all the documents to prove that wells Fgo has forced my home to be in a wrongful forecloser and forced into a forced placed insurance that has cost me everything I own. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fail be dit O Search Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize a hard pull on my credit profile.
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Money transfer, virtual currency, or money service

I had Cashapp account # 1 and I transfered {$600.00} to Cashapp # 2 ( Different bank ). I tried to log on to account # 2 and Cashapp application made me create account # 3 and it automatically populated info from account # 2. So I was locked out of account # 2 with {$600.00}. I have filed for an investigation from account # 1 and Cashapp said that their investigation is complete and they can't do any thing after they said they would do a one time courtesy transfer. I was told I could read their TOS. They have not taken any action after that.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed on my credit report leaving inaccurate or unverifiable accounts unresolved. 

The consumer, financial protection, bureau ( CFPB ) has currently filed a lawsuit against Experian, alleging systematic issues such as failing to forward Consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. 

These failures Aline with my experiences, where Experian has neither corrected or removed disputed items despite the evidence I have provided, causing ongoing harm to my credit standing. 

I am requesting immediate corrective action to remove or amend all disputed accounts as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCOUNT NO. XXXX IN CARE OF XXXX XXXX XXXX IS ATTEMPTING TO COLLECT FOR XXXX XXXX XXXX FRAUDULENT DEBT. 
They have placed this debt wrongfully on my TRANSUNION CREDIT REPORT. 
I NEVER ORDERED XXXX ANYTHING, NEVER HAD A CARD. 
I believe it is possible ID THEFT as I have had a problem with other accounts opened completely unknown to me.I had my car window smashed in about XX/XX/2015 and my purse with ID and credit cards were stolen.The XXXX XXXX police showed up and filed a report.
Product: Credit reporting or other personal consumer reports

Over past 2 Months both Equifax and XXXX XXXX have drastically lowered my XXXX  and XXXX  scores, unfairly. 2 high credit lines closed card accounts sue to no more program, 1 cancelled with XXXX a XXXX line of credit, another 1 cancelled due to no longer carrying line ( XXXX XXXX ). My record of payments is excellent, never late or delinquent, currently paying off line closed on time. Several of my highcredit lines lowered my credit lines due to this deflation action reporting of XXXX XXXX and equifax, prior my XXXX  on both was XXXX and XXXX accordingly, now it is XXXX? XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Transunion to dispute a Bk showing on my credit report and I request Mov
Product: Credit reporting or other personal consumer reports

The only person i could think of that would of stole my identity would be my ex wife. I became suspicious of her when she used to hide the mail. Ive been trying to get these fraudulent accounts removed from my credit report but nothing has worked so far.
Product: Debt collection

I have repeatedly advised Portfolio Recovery Associates that I do not owe this debt. Yet they refuse to remove. I sent a copy of an nFTC I'D theft 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. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I cancelled an automatic mortgage ( loan Care LLC ) payment due to issues with my bank account. I submitted a one time payment to cover my mortgage. Although my auto draft was cancelled the servicer still took the funds from my account. I called in the morning of XX/XX/2020 to let them know I need the funds returned immediately ( I mentioned that I needed the funds returned that same day multiple times and the representative did not say it was not possible ). I submitted the request per their instructions and received no update. I called back the same day for a status update and they told me it would take 10 to 15 days to process ( information that, if I had it before, could have made a difference as I could have wired money before the wire cut off time ). I asked to speak to the supervisor and she said it's not 10 to 15 days ( at this point I have been given 2 pieces of wrong information ), I asked what they are going to do to fix this and the supervisor kept repeating that their is a process but did not offer any other solutions. Access to the funds ( which I could have gone around had the first representative told me it was not going to happen same day ) was very crucial for me and now I am in a difficult position because I have bills due that I can not cover right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS AS WELL PURSUANT TO SECTION 609
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank issued a new credit card. We have all of our payments to everything taken out of our account automatically. I called the bank to set up the new card and set up automatic payments. I kept receiving notices about this account being late and when I called the bank to find out what was going on they told me that when they set the new credit card automatic payments that they set it up under my savings account. My bank requires each person to have their own savings account in order to open a joint account. I only keep {$25.00} in that account as all my money is in our joint account. I kept receiving late payment notices and I would call the bank every time. The very last phone call that I made is when I found out they had reported a late payment to all the credit agencies. I called the bank once again and I spoke with XXXX, and she finally dug into the account to figure out what had happened. Whoever had set the account up had used one number that was different in my account number so that made the payment late. I asked her what I needed to do to get that removed and she said I had to contact each credit agency and dispute the charge. She stated that the credit agencies would send them a form to fill out about what had happened and that this was not my mistake. I have every single payment taken out of my account automatically so I do not ever have this problem, as my payment history will show on my report. This has impacted my score and my reputation with exceptional payments. I disputed this with each agency, but it appears that they are still showing that it was a late payment. Please, please advise me on what I need to do to fix this matter. The date of this late payment is XX/XX/2022 and the bank is XXXX XXXX XXXX XXXX
Product: Credit reporting

I have disputed these accounts with Experian at least 3 times and they have yet to provide me with documentation that they claim they have on file to verify these incorrect accounts on within my credit report. In addition, to going over the 30 day mark by law according to sec 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information that can not be verified that I have disputed!!! Please HELP me resolve this matter.
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 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 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 604 A 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 crime which antedates the report by more than seven.
Product: Vehicle loan or lease

The date was XX/XX/2019. And the loan amount ask for the vehicle was XXXX XXXX dollars and +.I inquired about the vehicle at XXXX XXXX in XXXX N C. I do bussiness with XXXX XXXX XXXX in XXXX NC . Instead XXXX call XXXX XXXX XXXX in XXXX N C. And XXXX specifically ask for a man name XXXX. I was handed the phone without the knowledge that it wasn't XXXX  XXXX XXXX in XXXX N C. I also did not authorize XXXX to contact Lendmark to check my credit.
Product: Checking or savings account

My account was opening on XX/XX/2019 where I was to receive a {$400.00} bonus for keeping {$15000.00} in the account for 60 days. In XX/XX/XXXX, several fraudulent transactions were conducted on my account where my balance fell below the {$15000.00} threshold. It was confirmed to me that the fraudulent transactions would not change me receiving my bonus. Now, over 60 days later, they are changing their tune and unsure if I will receive it or not. 

Customer service has been contacted over 20 times regarding this, and nobody can figure out how to do anything. I get transferred around repeatedly, and nobody can do anything. I wait on hold for promotions departments, fraud departments, supervisors, complaint departments, etc. Nobody has been able to resolve anything and they just transfer me to the next person who is as incapable as the last.

My funds have been held hostage now because I had to put a freeze on my account. I am unable to transfer them anywhere since I am waiting on the {$400.00} bonus to be applied. If I close before it is applies, I lose the bonus. I do not trust Citi with my funds because they have allowed fraud on my account, and they are not true to their word in providing a account opening bonus. 

In order to resolve this problem. I will need the bonus credited immediately and my checking and savings accounts closed with a check sent to me with the remaining account funds INCLUDING THE BONUS.
Product: Debt collection

I checked my credit report and saw an account from XXXX XXXX for Kay Jewelers. Theres no debt reported. Never received any notice of a debt owed.
Product: Vehicle loan or lease

Monday XX/XX/2021 at XXXX I went into the bank to extend the use of my credit and the back denied me the use of my credit by sending me a denial email at XXXX. I spoke to them about TILA and me being the Consumer extending my credit for my personal, family, and household purposes and the bank told me that they dont follow TILA or Regulation Z. I called the bank at XXXX the same day to speak to them again speaking the same with the same denial results. I also told them I wanted to use the instrument I signed to draw against the interest on the instrument to pay them the interest to defer the obligation and they say they know exactly what Im talkn about, but they dont do that. I asked them what a loan was according to the law or at least TILA and they said when they extend credit to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian investigation into XXXX  XXXX bank account. I paid This account in full and they have removed them from my other credit bureaus. Experian does not update the credit report with accuracy or investigates correctly.
Product: Credit reporting or other personal consumer reports

Hard inquiries were made to the following Credit bureau agencies including XXXX and Equifax. 
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 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 XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been restricted form coinlist token sale but the funds are mine and i must have the withdraw at disposal as the website says to me when i login but the wallet page want load when i click on the 'VIEW ASSETS ' button. 
I don't want to further use coinlist website, i only want to withdraw my money. 

i will attach the screenshots of the email communicating the ban and the screenshot of the wallet page that does not proceed to my asset for withdrawal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment at XXXX XXXX. They use a screening company called Sound Screening Services based in XXXX, WA. There was no mention of a 'hard ' credit pull during my application process. I wasn't able to secure an apartment with XXXX despite having excellent credit and income. Now I have an inquiry on my credit report which is adversely impacting my credit score. I'm currently a California resident and over here there is no reason to pull a hard credit inquiry for a renters application. Hard inquiries are only pulled when applying for credit/loan. This hard inquiry on my credit should be removed because I didn't secure the apartment and because it was not properly disclosed in plain XXXX that my credit would be impacted by hard inquiry. I'm still looking for an apartment and it doesn't make sense to be penalized for shopping around. This is highly unethical.. please remove the hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose