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

I am not satisfied with the way the Credit reporting Agencies dis their investigation. The Accounts I am disputing was never corrected and are still reporting erroneous information in my Credit file. The following accounts are inaccurate and is leading to a negative effect on my Credit File. I sent a letter to the Credit Bureaus on XX/XX/XXXX requesting them to take their time and conduct a proper investigation to verify the accuracy of these accounts and correct any inaccuracies. The 3 credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX : {$0.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$6700.00} DEPT OF EDUCATION/XXXX XXXXXXXX Balance : {$5100.00} DEPT OF EDUCATION/XXXX XXXXXXXX Balance : {$5100.00} DEPT OF EDUCATION/XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX XXXXXXXX  XXXX Balance : {$1700.00} XXXX  XXXX XXXX Balance : {$3800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I requested a XXXX form from XXXX  XXXX in regards to a charged off account, I was sent the form that had the balance information reflecting the total amount of debt that was canceled. On this form however the amount that was written off does not reflect the same amount that is showing on my credit report. XXXX XXXX states {$1800.00} was the amount charged off, however on my credit report it is showing that the amount charged off was {$10.00}, XXXX. This is inaccurate and must be removed from my credit report ASAP, not only are the amounts different but when I went to dispute this with the credit bureau Experian they stated that the XXXX  XXXX account number and the account number written on the 1099C form are different. So with that being said either XXXX XXXX did not send the correct 1099C form which makes this account invalid or they dont have the correct information which would make the reporting of this account fraudulent. This account is being reported in error and must be removed from my consumer report immediately.
Product: Credit reporting or other personal consumer reports

I checked my credit reports and found out that I have unrecognizable inquiries in which my reports have been ran without authorization and causing my scores to significantly drop. I have things on my reports that shouldnt be and this has affected my livelihood tremendously. Im asking that I can receive adequate assistance in getting my reports fixed.
Product: Debt collection

XXXX XXXX submits and falsifies information regarding an out dated account each year. When challenged they will remove the account, wait about 6 months and renter the information as though it is a new account. 

They are pretending to be XXXX XXXX a company who finance my XXXX car in XXXX. My car note was {$460.00} a month. 
My car has been paid in full for several years. 

The information for this account has been changed several times. It started with a purchase from XXXX which was sold to synchrony bank., who sold it to portfolio recovery when it was about to expire. XXXX XXXX falsified the date. Each time I dispute it, they remove it and return it as a new account with falsified dates. 
I received a line of credit from synchrony bank in XXXX. I never used the card. They are using this information to make the charge look valid.
Product: Credit card

CHASE CARD SERVICES Account ending # XXXX Closed by bank XX/XX/XXXX ; Charge-off XX/XX/XXXX - Amount : {$1700.00} Subject : Request for Clarification ; Resolution of Charge-off on Consumer report and ; Issuance of IRS Form : 1099-C for XXXX IRS Tax filings obligations. 

Dear CFPB Representative, There was a Charge-off by Chase Card Services on acct ending # XXXX ; XX/XX/XXXX. My credit report visibly shows CHASE CARD SERVICES has Written off/Cancelation of Debt ; this account as a tax break when on my consumer report it is registering as a debt currently owed. At this time, I'm currently receiving emails and letters to my Letter box from CHASE CARD SERVICES requesting in a Settlement Notice ; to pay this account for less than the unpaid balance when this account has been Charge-off as Cancelation of Debt. 

Issues with Current Reporting _____________________________ 1 ) Issuance of 1099-C form, since this debt has been Charge-off ( Cancelation of Debt ). Please issue a 1099-C for this tax year XXXX, therefore I can fulfill my tax obligations according to the IRS. 

Correction to Credit Reporting __________________________ 2 ) Please update my Credit report status according to IRS - A Charge-off is considered income and should not be reporting on a consumer report as a debt owed. 

3 ) Compensation for reporting a Charge-off on consumer report as a debt owed when CHASE CARD SERVICES has written off the amount in question as a tax Write-off/ Tax break.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a date of last activity of XX/XX/XXXX while the other bureaus are reporting different dates ( XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX ). 

TransUnion also reports a last reported date of XX/XX/XXXX, which indicates that this account was never investigated and legally verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting another CFPB complaint to you today to address the remaining unauthorized inquiries being reported on my Credit report, I appreciate the immediate removal of the inquiries from my Credit report, but it seems like there are some inquiries left on my Credit File that should also be taken care of. Once again, I was a victim of identity theft and the inquiries I am disputing were the results of such crime. I have read that under the FCRA section 605b, the Equifax Reporting Agency is required to remove any accounts and information that resulted due to identity theft. Please remove the following unauthorized inquiries completely from my Credit Report : 1. XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to 'Experian " dated : XXXX ' and received a response via email XXXX '. Theres been an update under the 'Comment ' section under collection account ( XXXX XXXX XXXX ) which states " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX. There was no original contract that couldn't be provided due to its unverified and inaccuracy. How would an account be " ..Meeting requirement of the Fair Credit Reporting Act ). '' with multiple errors being reported. 

Violation of FCRA Section 609 ( 15 U.S.C. 1681g ) : I requested from Experian all information related to this alleged collection account, including the original contract or agreement with CREDENCE RESOURCE MANAGE. This request was made on XX/XX/2023. However, to date, I have not received the necessary disclosures required by Section 609. 

Violation of FCRA Section 611 ( 15 U.S.C. 1681i ) : I have disputed the accuracy of the collection account with Experian, primarily because I have not been properly notified of the debt, and due to inconsistencies in the reported terms of the account. Despite my dispute, Experian has not adequately investigated and corrected the information as required by Section 611 within the statutory 30-day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX claims that an account from XXXX XXXX XXXX has been documented and prove valid. Yet, I 'm still waiting for documentation from the creditor since XXXX 2017. 10  Months later. My credit has a mark on it because of this. How can a company deem something valid but yet the consumer is still waiting on the documentation. Please help me resolve this with the 3 credit reporting agencies on getting the removed as it has not been validated to the consumer.
Product: Credit reporting or other personal consumer reports

I have senXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX my police report and FTC report. Showing this account is not mine. I have never filed a hardship letter with XXXXXXXX XXXX XXXXXXXX XXXX about this credit card. I never opened a credit card with XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I was told that I visited the XXXX XXXX XXXX in XXXX, New York, XXXX on XX/XX/XXXX and had a surgical procedure done. The fact is I never visited this medical center in XXXX as I was living in a totally different location at the time. There are a few other circumstances that go along with this billing which shows very old address information on the account. Old information that goes back to the early XXXX 's. This billing would have been paid by my insurance company at that time. However, I must point out, I have never received any billing statement from the original creditor XXXX XXXX XXXX for this amount. I feel I am being scammed and harrassed by this debt collector for a debt which I have no proof that it was a service I personally rendered. The information given to me by debt collector : CBCS, XXXX XXXX  XXXX, XXXX, OH XXXX ( XXXX ) XXXX ; does not show me what type of treatment it was for, the name of the doctor performing the treatment, the address of the hospital, a phone number to contact the hospital for verification of billing, no signature identification proof to verify that it was me, plus sending HIPAA information through the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft someone has used my identity i had my purse stolen from a gas station in XXXX here we are XXXX please help
Product: Credit reporting, credit repair services, or other personal consumer reports

1. My attachment will reflect my dates of inaccuracies 2. illegal showing of my Transaction history 3. Personal information shared without consent 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 Reporting of late payments or transaction history are illegal 15 U.S. Code 1681 ( A ) Your consumer report should not include transactions or experiences, my line of credit and payment history are a record of transactions which is a clear violation of 15 U.S.C 1681 ( A ) ( 2 ) i EXCLUSIONS.

( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting or other personal consumer reports

To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Product: Credit reporting

This account does not belong to me. I reside in California and it stating this account was for gas services in Las Vegas Nevada. I disputed this with Transunion and XXXX and it was only updated and I was not provided with any information on how this debt was validated. I want this investigated and removed from my credit report.
Product: Credit card or prepaid card

To whom it may Concern, On XX/XX/2020, I called to dispute a transaction that was made fraudulently, as stated on your web site. Originally, I had to demand that my card be changed because your customer service representative advised that he would only note my account about the fraud charges and because they were still on hold there was nothing that we could do until the charges post but I insisted that the charges were already removed from my account and that they were not authorized. The representative ensured me that there were no worries and that American express bluebird is backed by FDIC and fraud protected. My money will be refunded after the 10 days investigation because not only did I call right away but also the transaction was made in different states or over the web. On XX/XX/2020, I called back into the customer service and was advised that I could now submit the fraud form since the charges were no longer pending in which I did. I filled out everything. I even called the merchants as advised by the customer service representative and was advised that it would be my bank that will refund me the money. Several transactions occurred on the same date in several different states that I am in no way affiliated. This is a clear sign of a fraudulent transaction. 
View Transactions Store Purchase XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA BILLS Edit - {$110.00} XX/XX/2020 Transaction ID : XXXX Store Purchase XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, GA BILLS Edit - {$41.00} XX/XX/2020 Transaction ID : XXXX View Transactions Store Purchase XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, GA BILLS Edit - {$800.00} XX/XX/2020 Transaction ID : XXXX Store Purchase XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, GA BILLS Edit - {$300.00} XX/XX/2020 Transaction ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I contacted Transunion credit bureau regarding unknown inquiries on my credit report. Customer service representative would not assist with the matter. 
XXXX XXXX XXXX XXXX ... XXXX XX/XX/2020 XXXX XXXX   XXXX XXXX XX/XX/2020 XXXX
Product: Checking or savings account

Bank of America {$2500.00} Check verification through turn stop in a XXXX XXXX bank of America branch Check drawn off a XXXX XXXX XXXX XXXX fraudulent routing numbers not known on account before checking validilty of account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a report concerning XXXX, XXXX and Experian are currently reporting accounts that are in Litigation. All laws are being violated According to 15 US Code 1666. I need all accounts DELETED immediately. My rights are being violated.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Equifax regarding unauthorized credit inquiries that have appeared on my credit report. After reviewing my recent report, I identified several inquiries that I did not authorize and have no knowledge of. Despite contacting Equifax to resolve this matter, these inquiries remain on my report, causing significant frustration. 

The unauthorized inquiries in question are as follows : 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 XXXXXX/XX/year> Attached to this complaint is an Identity Theft Report filed with the Federal Trade Commission ( FTC ). This report, along with the corresponding case number, supports my claim regarding the unauthorized credit inquiries on my credit report. I kindly request that the necessary steps be taken to address this issue in accordance with the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention and review of this document as part of the investigation. 

I believe Equifax has violated the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and remove these inquiries from my credit report, even after I brought the issue to their attention. The sections of the FCRA that support my claim are : Section 611 ( 15 U.S.C. 1681i ), which outlines my right to dispute inaccurate or incomplete information. I have disputed these inquiries, but Equifax has not conducted a satisfactory investigation.

Section 609 ( 15 U.S.C. 1681g ), which grants me the right to access my file. Upon reviewing this information, I confirmed that I never authorized these inquiries.

Section 604 ( 15 U.S.C. 1681b ), which details the permissible purposes for credit report inquiries. I did not give consent for these inquiries, and Equifax has not provided evidence of a valid reason for them. 
Despite my efforts to resolve this directly with Equifax, these unauthorized inquiries continue to negatively impact my credit report. I request that the CFPB intervene to ensure Equifax fulfills its legal obligations under the FCRA by removing the unauthorized inquiries and providing me with an updated credit report. 

I appreciate your prompt attention to this matter, and I am happy to provide any additional information needed for your investigation.
Product: Credit card

I made an online payment to Citi Bank on the Citi Bank web site. The money was withdrawn from my bank account. Now Citi Bank claims to not have received the payment and has no record of the payment. I called Citi Bank to dispute the payment and I am getting the run around. Citi Bank opened an investigation and than immediately closed the investigation without telling me. I have reopened an investigation with Citi Bank to resolve this issue. I am also contacting my bank from which the payment to Citi Bank was debited ( online my bank shows the Citi Bank payment as having been made ). But Citi Bank is calling up to 4-6 times a day. I have tried to get Citi Bank to note the account that there is a dispute but after speaking to XXXX people ( acct. representative, an acct. supervisor, and a billing representative ) Citi Bank states that they can not guarantee that I will not receive continued collection calls on this disputed payment. I spent over an hour on the phone with these XXXX getting conflicting information from each new person as to how this dispute can be resolved in an expiendient manner.
Product: Credit reporting or other personal consumer reports

FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE EQUIFAX DATA BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$220.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$440.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$770.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1700.00} NATIONAL XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$4000.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$15000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$170.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Some fraudulent charges found and so I have filed with Discover Card company and Discover gave me credit for both authorized charges and unauthorized charges, I called Discover and notified them they are not supposed to give me credit that are accurate charges and do not charge back to merchants that are not fraud those charges are accurate. a month later Discover charged all back to my account including unauthorized charges and charged back to merchants at the same time that are not fraud charges and I specifically told them all online charges are accurate. I told them twice that all online charges or phone charges are accurate those are not fraud. Since they put all charges back to my account and they also charged back to the merchants I have to pay Discover and the merchants another means Discover double charged. They charged me and they took money back from merchants.
Product: Credit card

Dear Sir/Madam, Subject : Request for 1099-C Form Pursuant to FCRA 1681s-2 I am writing to formally request a 1099-C form from Bank of America for the following charged-off debt under my name : Account Number ending in : XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2, furnishers of information to consumer reporting agencies are required to accurately report and update the status of debts, including debts that have been charged off. I believe this request falls under your responsibility as a furnisher of information to provide accurate and complete information to consumer reporting agencies. 

To ensure compliance with IRS regulations and to properly manage my tax reporting obligations, I kindly request that Bank of America issue a 1099-C form for the aforementioned charged-off debt. Please provide this form to me at your earliest convenience via CFPB response or email. 

If you require any additional information or documentation to process this request, please do not hesitate to contact me at XXXX or thought this CFPB portal. I appreciate your prompt attention to this matter and look forward to receiving the requested 1099-C form. 

Thank you for your cooperation. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was searching the internet for a student loan. The Citizen 's Bank website offered the option to apply for a loan as a soft inquiry on my credit. The inquiry appeared on my credit report as a hard inquiry. I did not authorize this transaction. The site has misinformed information and falsely advertised services they did not provide. I contacted the bank and I was informed they will notify a manager about the soft inquiry false advertisement.