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

Attention : XXXX, XXXX, EXPERIAN Per IRS there are two qualifiers for 1099-C Cancellation of Debt : File Form 1099-C for each debtor for whom you canceled {$600.00} or more of a debt owed to you if : You are an applicable financial entity. 
An identifiable event has occurred. 

By definition of the above publication see IRS website link : 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 

I am not obligated for the debt that XXXX XXXX has cancelled as an identifiable event has occurred and the applicable financial entity [ XXXX XXXX ] has filed a 1099C cancellation of debt in which they have already written off. I have explained these matters to XXXX XXXX and they've stated they would investigate the matter and provide a resolution. Meanwhile, I've already provided and obtained proof of the filing of the Cancellation of Debt 1099C by the company ( with proprietary account # 's and identifiers blocked out for my protection and theirs ). This XXXX XXXX XXXX XXXX is now showing on my personal consumer report as delinquent ( which is inaccurate ) It should be shown as a closed account and not as a " charge off '' because the company has cancelled the debt as an identifiable event has occurred per their filing of the 1099C Cancellation of Debt. Also, even though the account is no longer active, the Credit Reporting Agencies are allowing the Lender to update the amount of the debt monthly reporting the amount as {$100.00} higher than the originally cancelled amount which was {$2200.00} and is now {$2700.00}. XXXX XXXX AND EXPERIAN are complicit in the violations committed by The American Express Corporation against the Fair Debt Collection Practices Act 807. False or misleading representations 808. Unfair practices and is in Violation of Fair Credit Reporting Act. The lender has made their money back through insurance and is now trying to collect in addition to what they've been able to recoup which goes against TILA ( Truth In Lending Act ), this practice has not been disclosed in the agreement signed with the Card company. The Bureaus job is to operate in favor of what is right by law for the protect of the consumer, in this case as with many cases, this is not what has been the experience and something needs to change.
Product: Money transfer, virtual currency, or money service

i think its XXXX  that you and your agencies are blocking my ability to make a living.. just because i overdrafted a few bank account by not a few XXXX your not allowing me to have any finacial tranactions im having problems cashing a money order.. most of the negative XXXX on my file is due to idenity theft..
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report, and I noticed an account on my report that should not be on there with a negative mark. 

I demand the below accounts deleted from my consumer report immediately : XXXX  - CHARGE OFF - Paid in settlement. {$7600.00} written off The reporting of this account is violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ]. I paid off the vehicle and have the certificate of tittle in my possession proving the vehicle is paid off. 
I demand complete removal of the account as a charge off and reflect proper paid off comment in full. this has affected greatly my consumer reports and life.
Product: Credit card or prepaid card

For approximately a month I have been receiving email from : XXXXXXXXXXXX regarding a security code. These emails are generated when you put in a user name and then click on " I forgot my password '' The emails contain the last 4 digits of my credit card and my first name and middle initial. These emails indicate that someone is trying to access my account. I logged into the capital one site and tried to change my user name to make my account secure. Changing your username is not an available option on the Capital One / Furniture Row credit card site. I am able to change my email address and my password, but not my user login. 

I called Capital One o
n XX/XX/XXXX to try to fix this problem. I spoke with a representative who told me to change the login on the website. I explained that it was not an option on the website. I then spoke to a manager who told me that she was unable to change my login on her end and that I would have to un-enroll from the service on the website. I explained that that was not an option on the website. She assured me that she would un-enroll my account and I would receive a phone call when it was completed. That was 9 days ago. I still relieve 2-3 emails a day that someone is trying to
access my account. I am unable to change my login or un-enroll from the service.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : Equifax information services llc
Product: Credit reporting or other personal consumer reports

I am writing to formally document the egregious violations of my consumer rights by TransUnion, regarding an ongoing dispute that has remained unresolved since XX/XX/year>. Specific Concerns : 1. Dispute Status : Open/Pending since XX/XX/year> XXXX. Multiple Unresolved Data Breach Impacts : - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and Trust Data Breach ( XX/XX/year> ) Critical Violations : *Failure to complete dispute investigation within the mandatory 30-day timeframe - * Providing " verified '' responses to disputes that remain officially open - Continued reporting of unauthorized inquiries and accounts * Repeated disregard of my comprehensive documentation Legal Requirements Violated : Within Transunion, XXXX XXXX or XXXX * Fair Credit Reporting Act ( FCRA ) investigation timelines- Consumer protection mandates for accurate credit reporting - Reasonable investigation of disputed items Documented Actions Taken : - Multiple written dispute communications- Repeated attempts to resolve unauthorized entries - Comprehensive documentation of identity theft and unauthorized accounts. 
Credit bureaus have failed to : - Conduct a proper investigation - Respond within legal timeframes - Protect my consumer rights - Maintain accurate credit reporting I demand a written response within 10 business days detailing : Inquires that have been asked to be removed several times none are mineXX/XX/XXXX Several addresses that have been asked to be removed several times as they are not mine Collection Transunion removed but the others remain on my credit report after explaining several times I have not done business with any of these companies as well as XXXXXX/XX/XXXX I've sent this over and over to have verified and accurate on these accounts but ongoing investigation so who verified these accounts if my dispute is still open for nearly a year now. 

These are illegal practices they are conducting on my credit report without my permission.
Product: Credit card or prepaid card

I was never 30 days late XX/XX/ 2009 2009
Product: Credit card or prepaid card

We are being giving the run around by the credit card company Bank of America. We have fraudulent charges againt our account from  XXXX  IL. We were able to get  a BOA e mployee on the phone long enough to look into charge and they removed  XXXX  of the charges not made by us. The problem is that there are several more and no w BOA is  giving us the run around.   We call into BOA several times. Today we called starting at  XXXX  on getting home from work it is  XXXX  and we are still being transferred and dropped. Even when we have tri ed to have them call back it rang our phone for less than a full ring before disconnecting. We have talked with nine people, had their line hang up on us four times. Giving the information that we are challenging to two or three people to have them ask us to wait and then have them hang up on us. I believe that they are practicing a program of discouragement to prevent us from resolving the false charges on our credit c ard.
Product: Credit card

I am writing to complain about how Capital One is handling my on line credit card purchases for the account ending in XXXX. The decline almost every transaction, stating that it is " suspicious '' as fraud. Almost EVERY transaction. 

Usually they just send a text asking me to confirm that it was me doing the transaction. Sometimes, they make me call in and their automated system will ask me to confirm the transaction, and then says to resubmit the transaction and they will unlock the card. 

Today, XX/XX/2023, was different. I had to call in, there was no automated verification, so I had to wait on hold. I punched in confirming information ( which they want to know it's me ) and then was on hold for another XXXX minutes waiting for a representative. The representative was courteous, but had no choice as " the system '' required her to ask all these questions as my account had once again been flagged as suspected fraud over this latest {$8.00} online transaction. Even though they confirmed my phone number I was calling from, they wanted all of this information : 1. My full name 2. My address 3. My phone numbers ( both the one I was using to call them and the other one I never use but is the house land line phone ) 4. My credit card ending numbers 5. My credit card CVV number 6. To verify a transaction from 2 weeks prior 7. To verify a transaction previous to that ( both of these were transactions they declined and I gave up and used my XXXX card to make the purchases ) 8. Asked if I had the card in my possession.

9. Asked if I knew my online banking credentials for sign in.

10 Asked if I had signed in to online banking in XXXX ( XXXX months prior ). 

ONLY then did they ask me about the {$8.00} transaction. 

WHY did they have to ask all that information when they KNEW I was calling from a number they have on file and then pester me with all those questions when it was obvious it was me on the phone. 

What bothers me most is that they do this for almost EVERY transaction - using the card has become a problem because they constantly decline my transactions. It has gotten to the point where I'm using other cards instead of theirs because they decline all of my transactions until I call in XXXX other cards do not.

This account has not had fraud on it, and I have had the account for quite some time. There is something wrong with their fraud flag system if they reject almost every on line transaction I attempt to make, particularly when others don't. And this time, I had to spend XXXX  minutes on the phone answering a ridiculous amount of questions when they knew I was calling my the phone number they have on file!! And asking about signing in to online banking XXXX  months ago or to verify transactions from weeks ago? Ridiculous. 

I'd like you to raise this with them as it's no longer for my protection, but clearly to stop me from making online transactions. Their fraud flag system flags everything!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and 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 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING 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 right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I requested my credit file from Equifax on XX/XX/XXXX using XXXX XXXX XXXX   site and was given my free credit report upon entering my identifying information. 

On XX/XX/XXXX I sent Equifax a dispute letter by mail attaching the very same verifying information. They sent a letter dated XX/XX/XXXX that they were " unable to locate a credit file '' in their database with the information I provided - which is inaccurate since the very same information that gave me access to my report in the first place is what I sent them. 

I sent that same verifying information a 2nd time on XX/XX/XXXX. They sent the same letter in response to my 2nd inquiry on XX/XX/XXXX, stating they were " unable to locate a credit file '' in their database with the information I provided. Again, I submitted the same information that gave me access to the original report on XX/XX/XXXX. 

It has now been over 30 days since they received my certified/return receipt letters disputing inaccurate information on my report, and have failed to investigate. Therefore, the negative items on my report should be deleted.
Product: Debt collection

Reporting a XXXX XXXX account under my informstion This account is mot mine
Product: Credit reporting or other personal consumer reports

i have an inaccurate account reporting on my credit report. i have no knowledge of this debt thats reporting. the account that is reporting is not the original creditor. the account that is reporting is XXXX XXXX, and the collectors thats reporting are XXXX XXXX XXXX. they are not the original creditors of this debt. that is a violation.i have asked for the original contract they have yet to verify account or my signature stating that this debt belongs to me> i would like this account removed from my report. thank you
Product: Debt collection

I received a phone call from XXXX today, XXXX @ XXXX. The call was a XXXX, and it disconnected without any opportunity to speak to anyone. Through internet research, I discovered that this number is for XXXX, the collections XXXX XXXX XXXX. A medical debt collection 's agency. Their web site is http : XXXX 

This is the thing though. The call was a XXXX and I never had the opportunity to write down anything before they disconnected. In addition, I have never received any written correspondence from this company delineating the debt, nor any correspondence outlining my rights to dispute. 

In addition, I have had this cell phone for only 60 days, and no medical bureau with a debt that is old enough to reach a collection 's status would have this number. And as far as I know, I have no legitimate medical obligation.
Product: Checking or savings account

ON XX/XX/2021 WE UBEREATS ACCOUNT WAS HACKED AND CHARGED {$150.00} FOR FOOD PURCHASES IN PENNSLYVANIA AND OHIO. I CONTACTED BANK OF AMERICA AND OPEN A DISPUTE. I RECEIVED A LETTER FROM BANK OF AMERICA THAT UBEREATS PROVIDED DOCUMENTS THAT THE CHARGES ARE VALID. THE DOCUMENT I WAS SENT SHOWS A DIFFERENT PHONE AND STATES THAT THE ADDRESS WAS NOT PROVIDE AND THE POSTAL CODE DID NOT MATCH. I DON'T UNDERSTAND HOW IT WAS DETERMINED THAT I ORDERED FOOD IN STATES I DON'T RESIDE IN AND I HAVE THE CARD IN MY POSSESSION
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get a new car and when I was turned down I pulled my credit report, and I was furious! I have no knowledge of the debt that is listed and I have become very upset! Please help me, These accounts are not mine, I have tried to get all these accounts removed and have been unsuccessful! Please help me!! Remove these accounts please! XXXX XXXX is not my debt, I have no knowledge of this account! XXXX XXXX XXXX, I have no knowledge of this debt, it is not mine! There are two student loans reporting from XXXX XXXX XXXX XXXX Authorization. These are not mine, I have never been to or attended a college!. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are also reporting on my account and they are not mine either! There are 4 accounts that are closed! They are XXXX XXXX XXXX ( which is reporting twice! ) XXXX/ XXXX, and XXXX XXXX !! Remove these accounts! It should not be legal to report these accounts and I have informed these companies that these accounts are not mine! I have a load of inquiries that need to be removed as well, because they are in authorized! XXXX XXXX XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXXunauthorized XXXX XXXX c- XXXX XXXX unauthorized XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXX XXXX- unauthorized XXXX- unauthorized XXXX XXXX XXXX unauthorized XXXX XXXX- unauthorized Please remove these accounts!! I am furious and ready to take action because these accounts are reporting and do not belong to me!!
Product: Credit reporting or other personal consumer reports

Company received a fraudulent application for a credit card on XX/XX/25. They were one of 5 banks that received an app fraudulently and by far the worst to work with to resolve the issue. I wish to report the application as fraudulent, make sure no other actions were taken on my accounts, and have the inquiry removed from my credit report. 

I called to speak to a person. Struggled with their automated system multiple times. I was transferred between representatives 5 times on one call. I asked to speak to a supervisor and the rep promised the transfer would be successful and to the right person. Sent me to a closed department. They gave me numbers where the only options were to hear why an application was denied, on repeat, or to end the call. I told the one rep she was difficult to hear because her voice was muffled and she talked over me and transferred me to a dead end department. Their negligence in being able to accept a call and address this issue is to a level that I believe it to be intentional.
Product: Credit reporting or other personal consumer reports

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Debt collection

Solomon and Solomon cla ims I owe  XXXX  to  XXXX   XXXX , this account was paid off a t one poi nt, fraudulent charges subsequently placed on it. Despite fraudulent charges, I was making payments on the account in the amount of  XXXX  per month. Due to some returned payments, which were in error by my bank, the account was closed and charged off. Please not e, Solomon and Solomon is the se cond collection agency attempting to collect on this debt.. XXXX  (  XXXX   XXXX   ) , previously  attempted to collect on this debt and I believe they sold the account to  Solomon  and  Solomon realizing there is f raud and they could not collect on it.  XXXX  responded to a similar complaint by sending copies of statements which prove nothing, they failed to prove I authorized charges since account was paid off. They then referred account to  Solomon and Solomon,  please advise them as I have advised prior collection agency, the payments made to  XXXX    XXXX   despite fraud will be the only payments made on this account and to accept it as settlement.
Product: Credit card or prepaid card

I opened a Chase Southwest Visa card because I received a referral from a friend that had the card. Based on the initial points offer if you used the card within 3 months and after you had charged $ XXXX on the card, I was supposed to get the southwest companion pass. Now I am being told I need XXXX points. That was not what I signed up for. I was charged {$69.00} for this card and the only reason I got the card is because of the companion pass which I am being told now that the offer was not valid this year. This is totally a bait and switch. Both Southwest and Chase are responsible and working together to defraud me. I am shocked that they are not willing to honor the offer I received. It was the only reason that I opened the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN : Under 15USC1681 ( b ) - permissible purpose ( a ) IN GENERAL Subject to subsection ( C ) any reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates XXXX XXXX never gave CoreLogic/SafeRent any written consent to report anything on my consumer report, no consent is identity theft. This is a violation of the Fair Credit Reporting Acts right to privacy and permissible purpose. 

Please remove, block, and delete the following address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX DE XXXX, WI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters proving that my mortgage payments have never been late and they still not fixing it. 
Also I sent a letter stating my XXXX account is satisfied.
Product: Money transfer, virtual currency, or money service

Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was a not possible. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.