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

I am writing to dispute XXXX failure to properly reinvestigate and correct inaccurate information on my credit report. Specifically, Equifax has failed to remove multiple hard inquiries that have already been deleted by XXXX. This discrepancy indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and raises concerns about the accuracy and fairness of your reporting practices. 
The following unauthorized or inaccurate inquiries remain on my Equifax credit report despite being removed by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the FCRA ( 15 USC 1681i ), Equifax is required to conduct a thorough reinvestigation of disputed items and ensure that the information it reports is accurate. If XXXX, another major credit reporting agency, has deleted these inquiries based on its investigation, then Equifax should reach the same conclusionunless it can provide verifiable evidence proving otherwise. If the same data furnishers are reporting to multiple credit bureaus, then all reports should reflect identical and accurate information. 
XXXX continued reporting of these inquiries, despite a failure to verify their legitimacy properly, constitutes willful noncompliance under 15 USC 1681n. If this issue is not resolved promptly, I will consider taking further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all legal remedies available to me.

I demand that Equifax immediately : 1. Conduct a proper reinvestigation into these disputed inquiries.

2. Provide specific details on how these inquiries were verified, includi
ng the methods used and the data relied upon.

3. Permanently remove the listed inquiries from my credit file.

4. Provide me with an updated credit report reflecting these corrections. 
For your reference, I have attached : A copy of my XXXX credit report, showing the deletion of these inquiries. 
Prior dispute correspondence. 
A copy of my identification for verification purposes. 
I expect a full resolution of this matter within the XXXX period required by law. Thank you for your prompt attention to this matter.
Product: Checking or savings account

I've tried to start an account with XXXX XXXX and they changed my account from me being able to use checking to just being an savings account. They said they did this because they received an flag from key bank stating something about an account i've opend with them. And i have never had any other checking account other than XXXX. So they sent me the paper work from XXXX XXXX  so they i can get everything settled and disputed so that i could be able to use my XXXX XXXX account.
Product: Debt collection

XXXX day I was at a mortgage office to get help with a new home loan and after pulling my credit the loan officer said it was n't feasible to give me a loan because I had a judgment on my credit. I stated I have no knowledge of this. It has been reporting on my credit since 2011. I have once heard this before when I was buying a car but did n't pay any mind to this. So I know for sure now this has affected me and will keep affecting me I do n't look into this. I decided to do my research and contacted the law firm handling this judgment and after confirming some information for them such ad date of birth and social security it came back it was n't me who owns this judgment. They clearly stated they will send me a letting to clear me from this matter. I received the letter and it does state the persons name on it which is clearly not mind. How can I get this taken care of and go back 6 years of misery from this mistake? 
Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 ORIGINAL CREDITORS : XXXX  XXXX XXXX, XXXX. 
XXXX  XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX, XXXX. 
Original Creditor : XXXX  XXXX XXXX, INC.account number ISNT DISPLAYED with a CREDIT SCORE OF XXXX out of the other two credit bureaus which is inaccurate because I've been contacted by MANY companies about a debt you allege I owe several times. You also have my name listed wrong, it is, XXXX XXXX XXXX. YOU ARE THE ONLY COMPANY THAT HAS NOT UPDATED MY ACCOUNT & INFORMATION THIS IS UPSURGE and unprofessional, I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to express my deep concern and frustration regarding the unresolved issues with my credit report. On XX/XX/2024, I submitted a formal letter addressing numerous inaccuracies and unknown inquiries on my credit report. Despite the passage of over 52 days, I have yet to receive any acknowledgment or resolution from the credit bureaus. 

This prolonged delay in addressing my concerns has not only left me feeling disregarded and exploited but has also significantly impacted my financial well-being. I have discovered several collections on my credit report that are reporting inaccurately, leading to denials for essential services and unjustified increases in interest rates. 

The consequences of these inaccuracies extend far beyond financial inconvenience ; they have directly hindered my ability to secure funding for critical milestones such as purchasing a home and advancing my business endeavors. As the primary provider for my family, these obstacles have placed an undue burden on our financial stability and future prospects. 

It is imperative to emphasize that the inaccuracies on my credit report are not of my making. I have diligently disputed these accounts and inquiries, yet I have not received any sufficient evidence for their verification. According to Section 611 ( a ) of the Fair Credit Reporting Act, the failure to investigate these items within 30 days warrants their immediate removal from my credit report. Given the extended period of over 52 days without any resolution, I demand the prompt deletion of these erroneous accounts to restore the accuracy of my credit profile. 

The failure of the credit bureaus to maintain 100 % accuracy on consumer reports is not only unjust but also detrimental to the overall economy. This negligence undermines consumer confidence and impedes economic progress. As a responsible consumer, I expect and deserve timely and accurate reporting in accordance with federal regulations. 

Therefore, I insist that the credit bureaus take immediate action to rectify these issues and remove the inaccurate accounts from my credit report. Failure to comply with this demand will leave me with no choice but to pursue legal recourse to alleviate the undue stress and hardship caused by their negligence. 

Thank you for your attention to this matter. I anticipate a swift and satisfactory resolution to ensure the integrity of the credit reporting system and uphold consumer rights. 

Sincerely, XXXX XXXX
Product: Prepaid card

I got an Amex gift card, a Prepaid business gift, which they say and claim that you can use it anywhere that accepts AMEX, but I can't use it anywhere to pay for anything, it just caused me inconvenience and embarrassed me a few times. times when I thought I could trust that the gift card that supposedly works anywhere, but no, I have a good amount of money sitting on two of these cards that are just giving me a headache and that won't even let me buy headache medicine...
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This information is incorrect/inaccurate and does not accurately reflect my credit history. Ive sent a letter several times and received a return letter saying accurate. How is that possible with missing information? I kindly request that this item be investigated, and if found inaccurate, removed from my credit report.
Product: Debt collection

This is about the 4th, 4th or 6th time this has been removed from my credit report. The collection agency just sells it to some other agency and they add it to our credit report. Over and over again. This is ridiculous. The pattern is when we i go to use my credit, they report it. Every time. Like some sick game to exploit money from working people, tantamount to blackmail.
Product: Mortgage

We been dealing with PNC mortgage/XXXX  XXXX XXXX XXXX  XXXX, for over 5 yrs, since XXXX, to try and resolve an issue with them sending back our payments in error in which they sent us a letter stating such mistake. These payments were sent back when they thought we had not made a full payment on a verbal repayment with them, when in reality the payment was a normal mortgage payment, while they had money in a suspense account to cover the rest of the mortgage payment if needed. They admitted their error, asked us to return the payments and when we sent the payments back to PNC, they were rejected again. We have never been approved for ANY other program with PNC to date XX/XX/XXXX. We make enough money and our debt ratio is lower then the threshold. The guidelines used for them are questionable. 
PNC bank and XXXX send false documents to homeowners only to lead to stealing your home right from under you. They also have very unscrupulous lawyers who do this. Their false documents, massive paperwork to prolong the process and the requesting of documents multiple times is ridiculous. 
PNC/XXXX  have not tried to work with us at all during the entire process. We have never had a loan modification nor any other type of program to help with mortgage. The investors are XXXX XXXX XXXX XXXX and they are the ones who do not authorize PNC to do any type of modification. We want to keep our home. We went to federal court with PNC in order to stop them from wrongfully foreclosing on our home, to no avail. The XXXX XXXX XXXX XXXX are the investors who do not offer any assistance whether it is legally supposed to or not. 
I am going to the press to let them know that PNC mortgage and XXXX XXXX XXXX XXXX are fraudulently taking people 's home without finding out the circumstances and not allowing for any type of modification.
Product: Checking or savings account

Marcus Goldman Sachs closed my account and is delaying funds being transferred back to external accounts they finally returned XXXX to XXXX account but have not returned funds to XXXX account they are stating they can not return transferred funds from the account cause XXXX  is not a bank but they were able to receive the funds. They stated XXXX would have to put claim in for funds XXXX response is there wsd no errors made and Marcus Goldman Sachs can transfer funds back into account. MARCUS GOLDMAN SACHS WILL RESPOND ACCOUNT WAS CLOSED AND REQUEST COMPLAINT BE CLOSED BUT THEY WONT RETURN THE REMAINING FUNDS BACK INTO XXXX  ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding a charged-off account that continues to be reported on my credit report, despite qualifying as income under IRS guidelines . The reporting of this account without the issuance of a 1099-C form is both misleading and a violation of my rights under federal law.

Background The account in question was charged off by the creditor, which legally classifies the balance as canceled debt and, therefore, taxable income under the Internal Revenue Code ( IRC ) 6050P. According to this provision, creditors are required to issue a 1099-C form for canceled debts exceeding {$600.00}, allowing the debtor to report it as income to the IRS. However, I have not received a 1099-C for this account, yet the creditor continues to report the balance to the credit reporting agencies as an active charge-off.

Legal Basis for Complaint Violation of IRC 6050P- The Internal Revenue Code mandates that creditors report canceled debts exceeding {$600.00} to the IRS and provide debtor with a 1099-C form. The failure to issue this form not only prevents me from properly reporting my taxable income but also raises concerns about the creditor 's adherence to federal law. 

Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ) : Creditors and furnishers are obligated to report accurate information to credit reporting agencies. Reporting a charged-off account as delinquent without issuing the legally required 1099-C creates an inconsistency between the IRS classification and the creditor 's reporting practices, constituting inaccurate reporting under the FCRA.

Consumer Financial Protection Act ( CFPA ) 1036 ( a ) ( 1 ) ( B ) : It is considered an unfair, deceptive, or abusive act or practice ( UDAAP ) to report a charged-off account as collectible or delinquent the creditor 's reporting practices, constituting inaccurate reporting under the FCRA.
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 XXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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, credit repair services, or other personal consumer reports

Dated on XX/XX/2022 CFPB complaint ID XXXX TransUnion LLC stated on your credit file. Below includes the results of that investigation. XXXX XXXXVERIFIED AS REPORTED AND NOW ON THIS XXXX DAY OF XX/XX/2022, I, XXXX XXXX XXXX Consumer, Have made several attempts to remind TransUnion LLC as a Consumer Reporting Agency duty pursuant 15 US Code 1681. It appears TransUnion LLC are intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law.

I am making this CFPB complaint as another attempt to have these errors corrected on my Consumer Report. 15 USC 1681i ( A.5 ) says that after the reinvestigations, all of the unverified information must promptly be removed. You can see in your system that this account XXXX XXXX # XXXX was previously disputed without being thoroughly investigated thus I know that it can not be verified or validated. I AM DEMANDING DELETION OF THE MENTIONED ABOVE ACCOUNT Expeditiously with PREJUDICE! TransUnion LLC known for violating FCRA 1681e ( b ) SEE TransUnion LLC v. Ramirez
Product: Credit reporting

I have contacted Equifax , XXXX, and XXXX on several occasions to remove to old Dismissed chapter XXXX bankruptcies. To know satisfaction, I therefore contacted XXXX Virginia 's federal bankruptcy court. They explained to me that they do not removed old bankruptcies it is the mission of the XXXX credit bureaus. Each one came back stating the information was being reported currently. That is not correct. One Chapter XXXX was filed on XX/XX/XXXX and dismissed on XXXX/XXXX/XXXX with a total of {$0.00} balance. case XXXX # XXXX in XXXX, Va. This should have been removed XXXX XXXX. The fair credit act states that all XXXX XXXX should be removed after 7 years. The next case # XXXX, was filed in XXXX, Va on XXXX/XXXX/XXXX and dismissed the same month with ) XXXX Balance also. This should have be removed back in XXXX XXXX. The credit bureaus or the U.S. bankruptcy courts are not assisting me in this issue.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report I noticed collections and charge offs that I did not approve anyone to pull my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian should have conducted investigations properly into three report items of mine.   The difficulty is that Experian 's upload of supplemental documents to support an investigation does not function at all ; ie : I am attaching 6 documents PDF in   black and white.
THEIR UPLOAD SERVICE ''   detects   color '' and will not accept them in any format, any file size, any pixel density, etc.It simply does not function day in and day out for at least the last 10 days.
My three items of dispute should have   all been deleted.   They ar e : 1  )  XXXX   XXXX   XXXX   XXXX    XXXX  ...., COLLECTING FOR  XXXX   XXXX ,  XXXX .   Some time ago I visited a  XXXX   XXXX  at  XXXX   XXXX ,  XXXX   XXXX , CA I was defrauded by  two stor e salespeople who had an intent to defrau d me.They sol d me a plan of unlimited usage at  XXXX  dollars per month which I was happy with.   When the first bill came there was a multitude of added on charges and fees which were never disclosed to me and added to whatever I had to sign after I signed.I was so angry at the obvious commission ploy/ fraud that I refused to pay the bill b ecause what I received was not anything close to what I ordered with the two salespe rsons.You must delete this item as you have not only committed fraud but damaged my credit standing as well.    2 ) US DEPT. OF EDUCATION ,1060  ... : While they  may be lite rate, they seem to have a problem with basic mathematics and I have grossly overpaid  my bill.The account s ays the original amount was  XXXX  dollars, a recent payment of  XXXX  dollars which was a tro (   XXXX   XXXX   XXXX   ) .Now they have received a   XXXX   XXXX   XXXX    of  XXXX  dollars ( attached as evidence ) and say I have a collection balance of  XXXX  dollars as of  XXXX   XXXX  .The d ate of the  XXXX  dollar payment was  XXXX  The l etter says allow several weeks for Dept. of Education to  XXXX  .They hav e received and today " verified '' the false information on my credit report.Today is  XXXX   XXXX  2017.YOU MUST ALSO DELETE THIS ACCOUNT ACCORDING TO FCRA for accuracy of furnishers.   YOU CAN DO THE MATH  XXXX  ; THE AMOUNT OF THE DEBT WAS  XXXX  ACCORDING TO THE REPORT.AFTER ALL THIS, THE DEPT. OF EDUCATION THINKS THERE IS A  XXXX  DOLLAR BALANCE.EQUIFAX DELETED upon submittal which Experian   wouldn't/could n't allow.
3 )    XXXX   XXXX   XXXX   XXXX  is a collector for  XXXX   a hospital .   I am a   XXXX   XXXX   XXXX   XXXX   with full medical benefits.While we are supposed to go to VA facility f or healthcare normally if we have an emergency we can go anywhere.I thought I was ha ving a  XXXX   XXXX  with all the symtoms o f one.An ambulan ce was called and transported me to   XXXX   XXXX   XXXX   XXXX  , THE HOSPITAL CLOSEST TO MY HOME.I TOLD THEM I HAD VA  BENEFITS.YOU MUST DEL ETE THIS ACCOUNT ACCORDING TO LAW.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion and Blocking of Accounts Due to Data Breach Please be informed that I have been impacted by a data breach, and I request the removal and blocking of unauthorized accounts and inquiries from my credit file, pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ). 
Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX  XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account XXXX : XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX