23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I disputed that the debt was mine. I had a residential account to supply Electricity to my house, and when I moved I paid in full the remaining balance and closed the account. That was in XX/XX/XXXX. I disputed XXXX account with the credit bureaus, stating it was paid and not my debt. The bureaus removed the collections accounts after XXXX was unable to verify the debt. one month later XXXX submitted XXXX separate collections accounts, with the same Claimed debt, but this time they also re-aged it to claim it was opened in XXXX/XXXX/XXXX a full 4 years later, especially after failing to verify the debt to the credit bureaus this is not appropriate, I have disputed this issue again, but XXXX will not remove the fraudulent information.
Product: Credit reporting or other personal consumer reports

I am writing to formally contest the inclusion of fraudulent account in my Transunion credit report. Despite submitting a dispute letters and the required documentation to the Federal Trade Commission ( FTC ), as per your guidelines, this account persist on my Transunion report. After uncovering this fraudulent account, I contacted the relevant bank, which acknowledged its fraudulent nature and assured me of its removal from their records. Subsequently, XXXX and XXXX have both expunged this account from their records after verifying its fraudulent status. I am puzzled as to why Transunion continues to report this fraudulent account, especially since the other credit bureaus have already removed it. I have completed all necessary steps and furnished all relevant documentation to substantiate my claim of identity theft. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have notified the credit bureaus that I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

This concerns a problem with Experian incorrectly permanently removing my credit freeze when I distinctly said not to. On XX/XX/XXXX I called Experian and temporarily lifted my credit freeze from XXXX to XXXX. On XXXX, I had finished what I needed to do, so I called Experian to try to replace my freeze for security. Their automated phone system didn't provide that option, but it asked me if I wanted to permanently remove my credit freeze, and I very distinctly said " NO ''. Then it said, " Your credit freeze has been permanently removed '' and gave me no options to say that was wrong and not what I said to do. I called back, and it asked me again if I wanted to permanently remove my credit freeze, and I again said " NO '', and it concluded OK, so I thought perhaps the previous call was a technical glitch. Then I received a letter from Experian saying my security freeze had been permanently removed. I had identity theft in XXXX documented in a police report, so this is terrible that Experian has permanently lifted my freeze, putting my credit at risk, especially when I clearly said " No '' to lifting my freeze. Their phone system does not provide access to a person or any other way to fix this. I have another complaint because I can't reach their site because they are trying to use a land line I no longer have to authenticate me. They are not providing a way to fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to apply at car dealership, was told itll only be from XXXX XXXX, and pulled my credit off multiple dealers without my consent.
Product: Debt collection

I recently joined XXXX, and when I was checking my credit history and I found an account from affirm that is not me. there was only one payment made on it and it went to a debt collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account FRANKLIN COLLECTION SVCS INC which has been deleted by XXXX   and XXXX. XXXX and XXXX have both completed their research and determined that FRANKLIN COLLECTION SVCS INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of several serious issues regarding my account, specifically your failure to provide the required Form 1099-C, as well as violations of both tax regulations and the Fair Credit Reporting Act ( FCRA ). 
This is my XXXX  attempt which you have ignored my XXXX  request sent on XX/XX/year>. I sent a request stating that there are inaccuracies and I wanted those addressed. 
**Failure to Provide Form 1099-C** Under 26 U.S. Code 6050P, you are required to file a Form 1099-C with the Internal Revenue Service ( IRS ) and provide a copy to me when you cancel a debt of {$600.00} or more. Despite the cancellation of my debt, I have not received this form from your company. This failure to comply with IRS regulations constitutes a serious violation and can be considered tax fraud. 
**Violation of Tax Regulations** Your failure to issue a Form 1099-C as mandated by 26 U.S. Code 6050P is a violation of federal tax law. This omission prevents me from properly reporting my income to the IRS, which may expose me to potential penalties and interest for underreporting income. Additionally, it constitutes tax fraud under 26 U.S. Code 7206, which addresses fraud and false statements. 
**Violation of the Fair Credit Reporting Act ( FCRA ) ** Furthermore, your actions are in violation of the Fair Credit Reporting Act, codified at 15 U.S. Code 1681s- 2. This section requires furnishers of information to provide accurate information to credit reporting agencies and to correct any inaccuracies. Your failure to provide accurate information, including the status of my debt, has caused inaccuracies on my credit report, which negatively affects my creditworthiness.
Product: Credit card or prepaid card

Beginning XX/XX/2021, I received strange packages I did not order from XXXX two days in a row. These packages weren't showing on my XXXX orders either. I called both days and they told me the second day it was a " brushing scam '' someone had used my cell phone XXXX to open a XXXX account and to keep the items, they would close that fake account. They sent me emails confirming this was unauthorized activity. I also noticed unauthorized charges on my Bank of America Visa dated/posted XX/XX/2021. 
I called Bank of America Visa XX/XX/2021, they cancelled the card ending in XXXX, issued a new Visa card, and credited these two charges. : {$73.00} on XX/XX/2021 {$97.00} on XX/XX/2021 However, on XX/XX/2021, Bank of America posted one of the fraudulent charges for {$73.00} back on my new visa. I called them immediately to contest this. They said it was confirmed merchandise was sent to my name and address and I received it. I did NOT authorize that purchase and I told them I had emails from XXXX confirming a fraudulent account was opened in my nameXXXX Bank of America  said mail them the emails with a letter to : Bank of AmericaXXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX AZ XXXX. I mailed the letter XX/XX/XXXX. I mailed a second letter dated XX/XX/XXXX. I never heard anything back. 

I called Bank of America the end of XXXX. They said they never got the letters or emails and I should go into the bank and have the bank fax the XXXX emails and copies of my letters. 
XX/XX/2021, XXXX XXXX, XXXX, Bank of America in XXXX, CT, faxed all XXXX emails stating an unauthorized party has registered an account with your XXXX  CARD ending in XXXX. To protect your information, we have closed this account and canceled any open orders. They said to wait seven days. 

Today XX/XX/2021, I received a letter dated XX/XX/2021, from Bank of America stating they re-evaluated the dispute but decided to decline the fraud claim for the transaction. They said " the merchant provided documentation confirming I received the merchandise ''. But I did not authorize use of my credit card, this merchandise was not ordered by me, it was an unauthorized fake account. 

My cardmember agreement with Bank of America says I am not responsible for unauthorized charges, but they won't honor the agreement. So I am filing a complaint with the Consumer Financial Protection Bureau for help. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX
Product: Credit reporting or other personal consumer reports

Obtained a {$2000.00} loan from one main financial in 2021. Paid all but {$200.00}. One Main sold the debt to a third party who proceeded to initiate collection on the original loan amount plus interest. The third party reported the amount due every 30 days to my credit report which changed the origination date each time and thus not allowing the deletion time frame to run.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX  rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

There is an account listed on my credit file stating I owe XXXX which is inaccurate. I do not owe this company anything. I have disputed, requested validation and nothing has ever been received.
Product: Credit reporting or other personal consumer reports

hey Mr . Creditor on XXXX XXXX you have reply to my previous concern and you state the 2 accounts had been Charged OFF. It as appears that these items in my credit report have turned into a charge off, but I notice you Never sent me a 1099-c would you be so nice to send me a 1099 For A Cancellation of debt of these Items due to my financial hardship. I would Greatly appreciate it I've Gone through a serious financial hardship, and this would help me with my credit in the future Thank You So Much
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated but how is that possible if still on the creditor XXXX XXXX XXXX, partial ( account number XXXX ) is still reporting inaccurate Date of last activity is being reported on XXXX as XX/XX/XXXX, at the same time they are reporting on Experian a date of last activity as XX/XX/XXXX, and they are inaccuratly reporting on XXXX Date of Reported as XX/XX/XXXX, while on Experian they are inaccurately reporting Date Reported as XX/XX/XXXX, also they are inaccurately reporting on XXXX Date Opened as XX/XX/XXXX, at the same time inaccurately reporting on Experian Date Opened as XX/XX/XXXX, also on XXXX they are inaccurately reporting account Status as Open, at the same time inaccurately reporting on Experian Account Status as Closed, they also inaccurately reporting on XXXX Creditor Type as Auto Finance, while inaccurately reporting on Experian Creditor Type as Personal Loan Company. The Credit Bureaus took more than 30 days to complete my investigation. As how can payments be marked as late, when the account is in collections. XXXX have a history of inaccurately reporting information to the credit bureaus, and I am a victim of thier inaccurate reporting. Attached is a form showing inaccuracies, and also a document showing a previous settlement with the CFPB and XXXX XXXX XXXX regarding this same issue. Delete this account asap from my credit report.
Product: Debt collection

i requested that the collection company delete the account and all reporting on my credit report. since i paid the collection in full. i called several times to resolve but, company stated it is company policy not to delete from credit report. they stated to call each credit bureau to get deleted. after contacting the bureaus they stated that only the collection company can delete from credit report. i again called collection company to request a delete. i was transferred to a supervisor/manager voicemail. i left a message but, no one contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called EQUIFAX on XX/XX/2022 at XXXXam to report inaccurate information from alleged creditor name by XXXX XXXX XXXX XXXX The alleged creditor XXXX XXXX XXXX is a third- party collector which is a violation of 18 U.S.C. 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EQUIFAX permission to take my information. 

EQUIFAX have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXXXXXX XXXX XXXXXXXX. EQUIFAX has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EQUIFAX claims on my credit file. 

Furthermore EQUIFAX has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EQUIFAX is in violation because I was not given any type of these reports in this investigation. 

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company still reporting debt I do not owe to XXXX
Product: Mortgage

I've been trying to get the PMI removed from my mortgage for almost two months and get nothing but form letters and dead end phone calls. Freedom Mortgage requested a XXXX dollar payment for a BPO to establish value. That XXXX dollar check was sent for a BPO certified mail on XX/XX/XXXX. I called to confirm receipt on XX/XX/XXXX and was told the check was cashed and I a written response was on its way. Freedom sent me a letter dated XX/XX/XXXX saying PMI could not be removed there needed to be a BPO. THE SAME LETTER THEY SENT IN XXXX! THE SAME LETTER I RESPONDED TO ON XX/XX/XXXX! This has been going on for two months now. Nobody on the costumer service line can help as the actual decision makers are not customer facing. So you call ask for help and are told to write the company or submit your request via the website which simply produces another irrelevant form letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX 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 XXXXXXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with Transunion 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 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. 


Transunion 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 card or prepaid card

In XX/XX/XXXX I contacted XXXX XXXX XXXX to close my credit card account. I received the attached letter confirming this request also in XXXX. I always check my accounts to ensure they were closed so in XXXX I saw the account was not closed and contacted them by phone, I do so again in XXXX and again in XXXX. I finally wrote an e-mail and received the attached response that the account was closed in XXXX and yet today I logged in and found the below ( please notice the XXXX XXXX date of today : Welcome, XXXX! Thanks so much for being our customer! Update your account, track orders, make payments and more right here, anytime you want. 
XXXX XXXX Account # XXXX Change Account Plan O Credit Status as of XX/XX/XXXX Available Limit {$1300.00} Balance {$0.00} Credit Limit {$1300.00} I want the account closed with no credit limit. I simply do not understand their failure to so after repeated requests and continually telling me the account has been closed. See attached letter and e-mail. This is a travesty and increases the chance that someone could get hold of this account and commit fraud. XXXX XXXX
Product: Checking or savings account

Capital One admits error in stopping payment on a close out check sent to myself on XX/XX/XXXX, they reissued check which was intercepted by someone else while I was away and cashed. However, they refuse to reimburse me for lost funds which they still owe me. The check amount is XXXX plus overdraft fees incurred as a result of stop payment error, documentation of these fees was previously emailed to an address provided by Capital One manager ( s ), no response received. A copy of the cashed check in question was received by myself, I had requested a copy from a manager ... The signature on it is not mine and Capital One knows this, they have a signature on file form I believe, they still refuse to do anything. They refer me to security intake team whom does not return calls, the same for a XXXX XXXX, she leaves her number in previous replies to CFPB but has not returned one message out of seven ( 7 ) left so far. She refers to a previous check deposited via mobile app from a XXXX XXXX whom I do not know, this is the same person who signed check in my name, cashed it. The check she refers to I have no knowledge of and has nothing at all to do with forged check, this appears to be a lame attempt to avoid reimbursement of lost funds which again, is in their error. She requests additional copies of documentation showing overdraft and return check fees, refers me back to security intake team whom does not return calls/messages, the same for herself. As anyone can plainly see, this is a mere run around which is a shame as this matter wont go away. Suit will be filed unless Capital One will reimburse for lost funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX, TransUnion, and XXXX in XXXX, XXXX and XXXX to dispute fraudulent items I found on my credit report by mail. I got my dispute results on XX/XX/2022, XX/XX/2022 and XX/XX/2022 stating the items were accurate and verified. I have also received an email saying the information was validated. I requested they provide me with their method of verification and if not, they need to update the information to paid on time. I have not received any documentation from either agency or the original creditor that proves I gave them written consent to anyone to furnish these items on my report and if the creditors state that I gave them written consent it was only due to an uninformed decision, and I was not given proper disclosure of my rights under the XXXX XXXX XXXX XXXX.