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

I am filing a complaint against XXXX for inaccurate credit reporting, violations of the Fair Credit Reporting Act ( FCRA ), and fraudulent practices that have caused me statutory damages. 
My credit report shows an account with XXXX as " charged off ''. However, I have not received a Form 1099-C from the creditor, which is required by the IRS when a debt is forgiven or canceled. This inconsistency raises serious concerns about the accuracy of the information being reported and the creditor 's practices. 
Under the FCRA, specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to credit reporting agencies have a duty to provide accurate information. The discrepancy between the " charged off '' status and the lack of a 1099-C form suggests a violation of this provision.

Furthermore, 15 U.S.C. 1681s-2 ( b ) requires furnishers to conduct a reasonable investigation of disputed information. I believe XXXX, TRANSUNION AND XXXX has failed to properly investigate and correct this inaccuracy, despite my attempts to resolve the issue directly with them. 
Additionally, this account is not being reported consistently to all three major credit reporting agencies ( XXXX, XXXX, and TransUnion ). This inconsistent reporting further violates the FCRA 's requirement for accurate and complete information, as stipulated in 15 U.S.C. 1681e ( b ).

I am concerned that this situation constitutes fraud and extortion. By reporting the debt as " charged off '' without issuing a 1099-C, the creditor may be attempting to collect on a debt that has been forgiven for tax purposes, while simultaneously damaging my credit. This practice could be seen as an unfair or deceptive act under 15 U.S.C. 45 ( a ).

The inaccurate reporting has caused me significant harm, including statutory damages as defined under the FCRA. According to 15 U.S.C. 1681n, I may be entitled to actual damages, punitive damages, and reasonable attorney 's fees for willful noncompliance with the FCRA. 
I request that the CFPB investigate this matter and requireXXXX to : Provide documentation supporting the " charged off '' status Issue a Form 1099-C if the debt has indeed been forgiven Correct any inaccurate information on my credit report Ensure consistent reporting across all three major credit reporting agencies Cease any attempts to collect on this debt if it has been forgiven Compensate me for the statutory damages incurred due to their inaccurate reporting The failure of XXXX to address these concerns has caused significant damage to my credit and financial well-being. Their actions appear to be part of a pattern of behavior that the CFPB should investigate, as credit reporting issues continue to be the most common complaint received by your XXXX. 
Thank you for your attention to this matter. I look forward to a resolution that ensures compliance with federal law, protects consumers from such practices, and provides appropriate compensation for the damages I have suffered.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request correction of inaccuracies on my credit report, which I previously brought to the attention of TransUnion. On XX/XX/XXXX, I contacted TransUnion regarding the following discrepancies in my credit report. Despite my initial contact, there has been no response from TransUnion to date. 

XXXX XXXX XXXX  ( Account : Date Opened : XX/XX/XXXX, Balance : {$2300.00} ) : Discrepancy : Disagreement with the reported balance. 
Requested Action : Correct the reported balance, remove Past Due information ( as the account is closed and charged-off ), and mark the account as disputed to prevent adverse effects on my credit score. 

XXXX ( Account : Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) : Discrepancy : Discrepancy in the reported balance. 
Requested Action : Verify the accuracy of the balance, report the account as disputed, and advise TransUnion to update the status with the creditor. 

XXXX XXXX ( Account : Date Opened : XX/XX/XXXX, Balance : {$410.00} ) : Discrepancy : Uncertainty regarding the reported balance. 
Requested Action : Verify the accuracy of the balance, mark the account as disputed, and provide verification of Date Opened, Date of Status, and First Reported. 

XXXX ( Account : Date Opened : XX/XX/XXXX, Balance : {$4400.00} ) : Discrepancy : Inaccurate reporting of the balance. 
Requested Action : Correct the reported balance, remove Past Due information ( as the account is closed and charged-off ), mark the account as disputed, and verify Date Opened, Date of Status, and First Reported.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX a company called XXXX sent me a letter collecting on a debt owed to XXXX XXXX  for the amount of {$8800.00}. 

To my understanding this acts as clear evidence that XXXX XXXX  sold this charged off account to a third party debt collection agency in XXXX. 

XX/XX/XXXX XXXX sent me a letter looking to settle on the debt owed for the amount of {$8800.00}. 

It is to my understanding this is an illegal practice of XXXX attempting to collect on a debt they have already sold off more than once. 

At this time as of XX/XX/XXXX, I am requesting that XXXX, Experian and XXXX permanently REMOVE this account with XXXX as it clear that XXXX XXXX  is illegally trying to collect on a debt that was already sold. 

I have attached the supporting documents reflecting the letters from both companies as well as the reporting of the account in question by each credit bureaus that reflects inaccurate reporting as well. 

Failure to remove this account will result in legal action being taken.
Product: Credit reporting or other personal consumer reports

I spoke with XXXX, a customer care representative, today regarding being unable to access my TransUnion credit report. I have been unable to access it since XX/XX/year>. XXXX mentioned that it is because I have an active dispute. I informed him that an active dispute should not prevent me from accessing my credit report in which I am entitled to receive, dispute or not. 

Additionally, the TransUnion system is giving me an error that I have attempted to access my report within the past 24 hours and this is incorrect.
Product: Credit reporting or other personal consumer reports

I am being charged off from Exeter Finance account was open XXXX XXXX. I was never given a XXXX stating that this was written off. Never received any information from this account. Id like this removed because it is inaccurate and should be cancelled off
Product: Debt collection

To Whom It May Concern, I 've never had an XXXX account in my life but yet a debt of {$73.00} appears on my credit report, so in turn I am sending this letter to you in response to what appeared on my credit report from your company. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 
If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
This is an attempt to correct your records, any information obtained shall be used for that purpose. 

Best Regards, XXXX XXXX.
Product: Money transfer, virtual currency, or money service

They did not have consumer protections posted before transfers were sent.
Product: Credit card or prepaid card

I have maintained consistent payment activity with this card out of a capital one bank account. For some reason, every few months, capital one credit card puts a XXXX day hold on my card to verify payment goes through, which it always has. I have repeatedly called every few months to get this fixed and the same problem continues after XXXX months. I asked specifically why I am being targeted with this and I keep getting told it is because I make multiple payments on my card. I said it is because I do not want to pay the compounded daily interest so I make multiple payments per week and the rep told me I cant do that so they are now placing my payments on hold. Why should I be paying interest when I ca. make multiple payments.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Charge-Off on Credit Report under 15 USC 1681e Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am writing to dispute the accuracy of a charge-off that appears on my credit report. This dispute is made under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e, which mandates that credit reporting agencies maintain accurate and complete records. 

The specific item I am disputing is : XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX [ Account # XXXX ] I believe this charge-off is incorrect for the following reasons : High Credit reporting {$450.00} by XXXX, {$0.00} by XXXX, XXXX {$300.00} by Equifax. INACCURATE. Date last reported XX/XX/XXXX by XXXX, XX/XX/XXXX by XXXX, XX/XX/XXXX by Equifax. Payment History Reporting ok on Equifax ONLY ( XXXX, XXXX, NO DATA XX/XX/XXXX, XXXX, NO DATA XX/XX/XXXX, XXXX ) XXXX & XXXX reports Date of Last XXXX XX/XX/XXXX XXXX Equifax reports XX/XX/XXXX. VIOLATION! & INACCURATE Comments reported by your agency ( XXXX ) states by XXXX, Payment after charge off/collection..Dispute resolved, XXXX reports Dispute resolved due to, Unpaid balance reported as a loss ( Debt Cancellation ), & Equifax reports, Paid charge off. Accounts closed. Date Last Active, XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, & Equifax reports XX/XX/XXXX. Violating my consumer rights! INACCURATE. XXXX XXXX reports {$300.00} by XXXX XXXX XXXX, & {$0.00} by Equifax. Account Status shows PAID reported by XXXX XXXX XXXX yet Equifax reports Derogatory!! Date Opened reported by XXXX is XX/XX/XXXX yet XXXX XXXX Equifax reports XX/XX/XXXX. Clearly there are many inaccuracies violating the FCRA 15 USC 1681e that credit bureaus are to maintain 100 % accurate & complete records. ( SEE ATTACHED my consumer report from 07/26/2024. ) In accordance with 15 USC 1681i, I request that you re-investigate this matter and correct or REMOVE the inaccurate information. Additionally, under 15 USC 1681e ( b ), you are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. 

Please conduct a thorough investigation and provide me with a written statement detailing the results of your investigation, as well as an updated copy of my credit report reflecting the corrected information or DELETE this alleged debt from my consumer report.
Product: Credit card or prepaid card

I contacted the XXXX XXXX credit card company on XX/XX/19 to obtain a replacement credit card and to have my husband added as an authorized user to the account we received the card from my husband in the mail within 7 business days, however a card was not mailed to me as requested. On XX/XX/19, I called back and informed them that I still havent received a replacement card. I was told that they will have another card mailed out to me. I asked that they mail the card to my in-laws address where i will be for the holidays. They said it was not an problem. On XX/XX/19. I received a secure Letter from comenity bank stating that they were unable to mail me a card as the address provided couldnt be verified with the credit bureaus. I then noticed that they submitted a inquiry on my XXXX and XXXX reports. When I called they informed that they didnt know why an inquiry was done in order To just have a replacement card mailed, and that in order to have the inquire removed that I needed to dispute it with through the bureaus. Im submitting an official complaint as an inquiry was submitted without my authorization and the Comenity bank has not addressed their negligence of the inquiry placed on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian should have sent Financial Compensation for re-insertion of derogatory items!
Product: Mortgage

In 2005 My wife XXXX & Myself were forced to file chap.XXXX Bank Ruptcy we did not include the mortg held by Wells Fargo Mortg . co. wells Fargo was presented a letter of intentions to keep the property, complete the payments. they were instructed to sign this letter, & return it to the court within fourteen days they chose to ignore the letter. their actions have prevented us from being able to qualify for refinance through the Obama Harp progs. It took me years to find out why. I then contacted Wells Fargo They admitted to their mistake however they stated that it was too late because any actions had to be completed within that fourteen day period I just today found out how to contact you. My wish is to make corrections so we will be able to refinace under the rules, & regs. of the Harp progs. The reason for this cond. is that the Real Estate market collapsed in our area by XXXX %. It is slowly recovering but not enough to allow us to refinance under standard conds. to qualify for the Harp Progs is our only hope. Wells Fargo 's actions, or lack of actions has already cost us thousands of Dollars We still have 19 years left on this mortg.which is at 7.5 % int. any help you can offer will be a big blessing Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 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 Experian, XXXX, XXXX have violated my rights by publicizing my information without my consent. I have tried fixing this issue but I get no results. Also I have unauthorized hard increase on my account.
Product: Debt collection

Today, I received a letter stating that I supposedly owe XXXX to XXXX XXXX XXXX XXXX. There was no known prior notice of any supposed debt. After reviewing my call records, I see that a call was received on XX/XX/2020. There was no voicemail message left. 

XXXX XXXX violated 15 USC s 1692 ( g ) ( a ) that says " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. '' The company has violated the above federal law when it failed to provide written notice within five days, as required. This company seems to have had numerous issues with its debt collection practices, which makes this situation very questionable. I can not possibly validate information when information is not made available in a timely manner as required by federal law.
Product: Payday loan, title loan, or personal loan

XX/XX/2018, I purchased a {$1000.00} espresso machine from XXXX XXXX, and several hours later cancelled the purchase. Both the purchase, and the reversed charge showed up onmy XXXX XXXX  statement. 
The problem is, XXXX XXXX  continues to show that purchase in my monthly XXXX statements, and, as of today, current accrued interest of {$100.00}. When I complained to XXXX last month, they told me, essentially, Trust us, your statement is correct,
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE MULTIPLE ACCOUNTS REPROTING ON MY CREDIT REPORT THAT I HAVE DISPUTED BUT I HAVE NOT GOTTEN NO RESPONSE. I HAVE NOT OPENED THEWSE ACCOUNTS IN MY NAME I NEED THESE CREDIT COMAPNIES TO REMOVE THE ACCOUNT FROM MY REPORT.
Product: Credit reporting or other personal consumer reports

Greetings, In accordance with the Fair Credit Reporting Act, Convergent Account # XXXX has violated my rights. Under 15 U.S.C. 1681 Section 602 ( a ), I am entitled to privacy, and 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.

I am writing to file a complaint regarding inaccuracies on my credit report. Recently, I requested an investigation from the credit bureaus to ensure the accuracy of the information on my report. The credit bureaus concluded their investigation and reported that all the information was accurate. 

However, after receiving their response, I conducted my own thorough review of my credit report. During my investigation, I identified several inaccuracies that the credit bureaus failed to address, including Date opened and amounts. Despite the credit bureaus ' assertion that the information was accurate, my findings indicate that their investigation was insufficient and did not address the errors present in my report. 

Additionally, I have already filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these inaccuracies, but the company has yet to address or resolve the issue. This has caused me considerable distress and may have impacted my credit score and financial standing. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Bank of America closed my account and wouldn't give me any info they also charged my account with insufficient funds and fees 3 years later they sent my funds to the state me and my XXXX can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX flagged my account as 30 Days Past Due on XX/XX/2020 to both Experian and XXXX. 

When I contacted XXXX XXXX they stated that my account was not past due and that they had not reported the account as 30 days past due. 

I disputed the item with Experian, but after investigating, they claim XXXX XXXX still is reporting it as 30 days late.
Product: Credit reporting or other personal consumer reports

RE : You Violated The United States Code Law 15 U.S. Code 1681 ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Reinvestigation procedure was received by Experian on XX/XX/ See certified USPS tracking # XXXX Present day-no description received after 15 days. 

This a violation of my rights and I demand these accounts be deleted per consumer law 15 U.S. Code 1681 ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX  XXXX and/or XXXX ) credit report XXXX My latest credit report shows Army & Air Force Exchange Service credit inquiry/inquiries that I did not authorize.
Product: Debt collection

On XX/XX/year> I received a call from checkmark collections. Their robo voice mail stated they were calling about an outstanding fine with the clerk of the circuit court to resolve my outstanding balance. They said my payment ID is : XXXX quadrillion, XXXX, XXXX, XXXX, XXXX, XXXX and zip code XXXX. They called from XXXX but did not leave a call back number. 

Then on XX/XX/year> I received the same call, same ID, same exact information but in my sons name!
Product: Student loan

They report to credit bureaus that I am XXXX days past due but I am protected from federal student loan repayments until after the Supreme Court rules on loan forgiveness. The company did the same thing during Covid protections.
Product: Debt collection

I recently obtained a copy of my credit report and noticed some discrepancies. I immediately contacted the companies involved. On XX/XX/2021 I requested validation of the debt letter. This item showed up on my credit report and does not belong to me. I am disputing with your company & credit bureau. I asked them to either fully provide proof of and validate the debt or remove it from my credit file. My information was compromised and there are inaccurate accounts on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # xxxxxxxxxxxx XXXX, XXXX XXXX  Account XXXX XXXX XXXX, XXXX XXXX  Account XXXX xxxxxxxxxx XXXX, XXXX XXXX Account # XXXX XXXX, have 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