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

XXXX XXXX XXXX, XXXX, and XXXX XXXXXXXX XXXX is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX, XXXX, and XXXX XXXXXXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, Trans Union XXXX if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX, XXXX, and XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX for the cancelled debt of { { {$4400.00} } } in order to file as ordinary income. Where is my 1099-C? XXXX XXXX XXXX, XXXX, and XXXX  XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! XXXX XXXX XXXX, XXXX, and XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX, XXXX, and XXXX  XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX XXXX and transunion is not an affiliate of XXXX XXXX XXXX, XXXX, and XXXX  XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I have communicated several time for the removal of a bankruptcy and the items that I have showing negative notations on reporting on my credit report recently even providing the evidence from the court stating that they do not report to any third party. I have at no time ever given my consent to XXXX, XXXX XXXX or Experian to report anything on my behalf. Nor did I ever give my consent to any creditors to disclose my information to any third party company. They are also reporting items on my credit report that are showing to be charged off and according to the IRS publication a Charge off is considered income. 

I am asking for the removal of all items on my credit report that fall under the Purview of the sited Acts, Codes and Public Laws immediatley. 

They are in direct violation of the Privacy Act of 1974, 15 US ode 1681 ( b ) Permissible Purpose, as well as P.L. 90-321 - That states the following : ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Accounts and Hard Inquiry on Credit Report Dear [ XXXXExperian ], I am writing to formally dispute inaccurate information and fraudulent accounts that are being reported on my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ) and applicable laws, I request an immediate investigation and removal of the following items : XXXX Disputes : 1. Hard Inquiry from XXXX XXXX  : I did not authorize this inquiry, nor do I have any accounts or interactions with XXXX XXXX. Please remove this unauthorized inquiry promptly. XXXX. XXXX XXXX XXXX XXXX : This account is fraudulent and does not belong to me. Kindly investigate and remove it from my credit report. Experian Disputes : XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX These accounts are also fraudulent and inaccurately reported. I request an immediate investigation and removal of these accounts. This inaccurate and fraudulent reporting is significantly impacting my ability to obtain essential financial opportunities and is causing unnecessary harm to my credit standing. In accordance with FCRA 611 ( 15 U.S. Code 1681i ), I request that you : Investigate these items thoroughly. Remove any unverifiable, inaccurate, or fraudulent information. Provide me with an updated copy of my credit report after corrections are made. I have attached a copy of my government-issued ID, proof of address, and a copy of my credit report with the disputed items highlighted for your convenience. Please confirm receipt of this dispute and provide updates on the investigation and resolution in writing. You may contact me at the information listed above if further documentation is needed. Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

WELLS FARGO Dear XXXX We hope this message finds you well. 
Your XXXX transfer of {$240.00} USD has been successfully processed on XXXX to XXXX XXXX. The transaction was completed securely, and the funds have been transferred accordingly. 
If you have any questions or need further assistance, please contact us at XXXX ( XXXX ) XXXX. Thank you for choosing Wells Fargo. 
Invoice Date : Invoice Number : Reference ID : Support Contact : DESCRIPTION Transfer Done Through XXXX Total Due Due Date : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX QUANTITY UNIT PRICE ( USD ) XXXX TOTAL ( USD ) XXXX XXXX For any assistance, please contact us at XXXX ( XXXX ) XXXX. We are here to help XX/XX/XXXX Thank you for banking with Wells Fargo. 
XXXX XXXX Bank XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts nor did I authorize these companies to pull my credit. I have never lived at these addresses either.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft in the pass which resulted in fraudulent accounts attached to my credit file have disputed with XXXX several times but the company states the the compromised info matches I explained several times that identity theft case the information would match because its been compromised that was the reason to notify them and provide supporting documentation of this crime but my rights continue to be violated by XXXX and the creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX i am writing to delete the following information off my file. the items I need deleted are listed in the report i am a victim of identity theft and did not make the charge i ask the items to be deleted to correct my credit report i reported the theft of my identity to the federal trade commission. please delete these these item as soon possible these negative remarks are holding me in attaining not only a mortgage but a car loan.
Product: Credit reporting or other personal consumer reports

These are fraudulent inquiries in my credit report. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX 
Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Mortgage

Mortgage service company Ocwen is still reporting to credit bureau three years later after I filed for bankruptcy on the property, I filed for bankruptcy 6 years ago and the mortgage was included and foreclosed. I am currently discharged and relieved of any liability for the debt. They are reporting 14 times 90 day late on my credit report for the mortgage and making it real hard for me to recover after bankruptcy and foreclosure more than 6 years ago. I 've contacted Ocwen on numorous occasions but to no avail. I think the mark on my credit should be reported correctly if not than fully removed.
Product: Debt collection

I opened a secured credit card in XXXX with Discover bank that went into default. The bank closed the account in XXXX and later sent me a XXXX. In XXXX I included the XXXX in my tax filings to the IRS. Discover continue to report the account as " Failure to Pay '' every month with the last report being on XX/XX/XXXX. I have called and asked them to allow me to settle to debt so they would stop reporting it monthly to the credit bureaus and I was told that is not an option. The IRS rules that a XXXX is a debt cancellation and in the case of ( XXXX XXXX, XXXX XXXX XXXX ) from Chief Judge XXXX XXXX XXXX of the U.S. Bankruptcy Court for the XXXX District of Iowa agrees that a creditor can not continue to collect on a debt after the issuing the debt cancellation notice.
Product: Credit reporting or other personal consumer reports

Date of Birth : XX/XX/year> Last 4 SS # : XXXX XXXX XXXX XXXX : XXXX XXXX Transunion To Whom it May Concern, Account name : XXXXXXXX XXXX I received a copy of my credit report. To my surprise, the credit reporting agencies are reporting this account incorrectly. This account is not only being reported as in collections, but also shows a past due balance of {$1600.00} while reflecting XXXX ( XXXX ) late payment. Additionally the utilization percentage is also inaccurate : 48 % of {$1100.00} = XXXX x {$1100.00} = {$520.00} So the increase amount is {$520.00} Adding the increase of {$520.00} to the original {$1100.00} gives us : {$1100.00} + {$520.00} = XXXX Therefore, {$1100.00} plus a 48 % increase is {$1600.00}, not {$1600.00}. 

According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account remove upon completion. 

Sincerely, XXXX XXXX
Product: Debt collection

I have ben receiving calls from XXXX XXXX saying they were representing Providian National Bank on a debt that I supposedly owed from 2000. I do not recall this debt and if I had this debt, it has been 15 years. I have been receiving harassing phone calls day and day out from all kinds of numbers.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX Transunion, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/2024, I submitted a dispute to XXXX Transunion, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
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. 

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 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: Debt collection

I get repeated, constant phone calls, sometimes listed as an " Unknown Caller or Unknown '' in order to prevent the calls from being blocked by me ... ..I want these calls to STOP IMMEDIATELY! This is harassment and I want these calls to me stopped! Thank you.
Product: Credit reporting or other personal consumer reports

XXXX offered a personal line of credit with a XXXX limit. I accepted the offer and have followed their terms and conditions. My balance was {$2000.00} as of end of XXXX, which I paid off during XXXX, the balance since XX/XX/XXXX has been XXXX XXXX has reported my credit limit to be XXXX even thought it remains XXXX, they also reported on XX/XX/XXXX that my current outstanding balance remains at XXXX. 

I have requested twice that the credit limit of XXXX be reported to the credit bureaus and they refuse saying that it is their policy not to report any credit lines, and they are not governed by financial law as they are a financial tech company, thus are able to report what they wish and it does not have to be accurate information. 

They also stated that they used a total of all loans to report the total balance of XXXX, but only the total of XXXX loan to report the maximum balance during the account lifetime, and again said because they are a financial tech company they do not have to follow normal credit reporting law and they can use different sources of information to determine what they wish to report to the credit bureaus. 

I provided copies of a credit line paperwork to the XXXX credit bureaus showing the XXXX credit limit and they refused to update my credit file.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 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 in months that are reported late 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. 
XXXX XXXX XXXX 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 reporting or other personal consumer reports

I am filing this complaint due to inaccurate and incomplete information being reported on my credit report. I have reviewed my report and found several issues that need immediate correction and deletion, which are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The following errors exist on my credit report : 1. Inaccurate Names : Multiple variations of my name are listed, including incorrect spellings and versions of my first and/or middle names. The only correct name should be Letter enclosed.

2. Incorrect Address Information : Several addresses are reported that I have never lived at or have no association with. These addresses should be removed and replaced with my correct address : Letter enclosed.

3. Incorrect Phone Numbers : The phone numbers listed on my credit report are inaccurate. My only valid contact number should be Letter enclosed.

4. Incorrect Employment Information : My employment history is incorrectly reported. The correct employer is Letter enclosed, and all other entries should be deleted.

5. Removal of Social Security Number ( SSN ), Date of Birth ( DOB ), and Year : I request that my Social Security number, date of birth, and year of birth be removed from my credit report to ensure the safety and privacy of my personal information. 
I have already contacted the credit reporting agencies to address these issues, but no meaningful corrections have been made, and the errors continue to affect my credit profile and score. 
In accordance with the FCRA, I request that these inaccuracies be corrected, and the proper information be reflected on my credit report. Under the FDCPA, these agencies are obligated to ensure that only accurate, verifiable information is reported. I am requesting that these inaccuracies be fully removed from my credit file and that an updated credit report be sent to me showing all deletions. 
Failure to comply with these requests will result in a formal complaint to the Federal Trade Commission ( FTC ), and I may pursue further legal action under both the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my credit report and saw an account was opened fraudulently under my name with a company called XXXX XXXX on my credit report it shows a balance if {$6500.00} that was charged off. This is not mine, I need this to be removed. The account was opened around XX/XX/2021.
Product: Vehicle loan or lease

I purchased the vehicle in XXXX with Credit Acceptance being the finance company then covid happened so I was on the covid relief program but when it ended I was still struggling so I wasn't able to pay they came and repossessed the vehicle they sent out a letter saying it was sold and that was in XXXX and now it's XXXX they're trying to garnish my wages this doesn't seem right and the amount they said I owe is not the same as the paperwork I received can you please help me...