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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  Account # XXXX CREDIT LIMIT XXXX, XXXX NOT ACCOUNT NUMBER CREDIT LIMIT XXXX has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

The first learned of this debt was an alert from my XXXX account. I have no clue how my name is connected to this I have never visited this dr office. I never had a procedure, never had a examination.
Product: Debt collection

Enhanced Recovery CO L, XXXX ( ERC ) Good afternoon, I have very little information on this company which appeared on my credit report as negative for the amount of {$350.00} on XX/XX/XXXX. I received a call from one of their associates or an associate speaking as an representative for the company XX/XX/XXXX. After sitting on the phone in silence, The associate aggressively and immediately begin to ask for my name and information, but refused to tell me the reason for the call and didn't want to reveal their name and status. I am asking to have this negative report investigated and removed from my credit report. This company is reporting negative collections to my account. I've reported them and it's still reporting negative on my credit report. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX : {$1900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Tried to obtain auto loans and my credit was shopped around without my consent, the same thing happend when I tried to apply for some credit cards also. I checked my credit and saw that I had 84 hard inquires that I didn't recognizeXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX OF XXXX, XXXX XXXX NA, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CO, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please correct my employer 's information. Equifax listed 'XXXX XXXXXXXX ' but my correct employer is XXXX XXXX XXXX XXXX This incorrect information violates the FCRA 's maximum possible accuracy and if it is not corrected after this dispute you, will be held liable for damages of at least {$1000.00} for willful noncompliance. I'm sure you understand the importance of maintaining up-to-date and accurate information on a consumer 's credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the rules of the Fair Credit Reporting Act, I am filing this complaint to request that the listed account, which I believe is erroneous and incomplete, be investigated and updated on my credit file as soon as possible. 
XXXX XXXX XXXX : {$330.00}.
Product: Credit reporting or other personal consumer reports

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and XXXX and I am pleading with you to remove them immediately.
Product: Student loan

I was automatically deferred for repayment by enrolling in a college that participates in the nation student loan clearing house. As a result of my deferment, the private lender, Discover Student Loans, removed a 0.5 % interest rate deduction I was receiving for on-time payments. I called the lender today ( XXXX/XXXX/XXXX ) ( after a secure message sent on their website on XXXX was not responded to XXXX to remove the deferment ( since I did n't want to be in deferment anyway XXXX and to return my account to repayment status, however, because of the way their system works, this repayment status wo n't take effect for another XXXX months in XXXX, therefore the XXXX % interest rate reduction wo n't be in effect until after that XXXX date. My interest is capitalized into the loan after deferment ends, so as a result of no action of my own ( since this was triggered by an automatic process XXXX, they removed a loan benefit from my account and will not restore it promptly, causing me financial loss as a result.
Product: Prepaid card

I have XXXX Amex gift cards that I received as gifts and have tried using at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the cards don't work.The employees try everything, debit, credit ( as specified on the instructions to do ) and it doesn't work. {$50.00} is really helpful to me right now and i was counting on it for food.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and someone unknown to me opened this loan without my knowledge. As soon as I was aware I tried to reach out to them but they would hang up on me or refused to work with me. I then reached out to the credit bureaus and they instructed me to open up a police report to document the identity theft and to submit in writing to the credit bureaus so they could conduct an investigation. I've now disputed this fraudulent account 3 times and Experian is the only one who will still not remove the fraudulent account. Experian has all my documents which are a FTC report AND a police report and they still will not remove the account, it's really hurting my score and I'd like to get a house really soon, please help me. ( I can provide the police report and ftc if needed, but Experian has all these documents already )
Product: Credit reporting

I spoke with XXXX of the XXXX credit reporting agencies a few times to dispute a chapter XXXX bankruptcy that was filed XX/XX/XXXX and dismissed. From my understanding, a chapter XXXX remain on your credit report for ( XXXX ) years. The credit company tell me it is their policy as the other XXXX credit agencies do not show it as of XX/XX/XXXX that it will stay on your credit report for ( XXXX ) years if it is dismissed and not XXXX and because they are governed by you the CFPB to do it. This is unfortunate and unfair because it was dismissed and converted to a chapter XXXX after I lost my job. The chapter XXXX was XXXX in XX/XX/XXXX and I think this is another way to penalize those who have paid their bills on time and have established very good credit after their misfortune.
Product: Checking or savings account

To whom i t may con cern, On  XXXX   XXXX ,  2017  I opened a core checking account with Bank of America. My account was in good status and I made several qualified deposits to my account from m y   XXXX   XXXX    account as well as  XXXX   XXXX  account. I was also received my Bank of America debit card on  XXXX   XXXX . I did not realize that BOA closed my account until when I attempted to activate my card. I made several phone calls to figure out what happened the BOA staff simply told me that they do not have any obligation to disclose the reason. The bank just simply closed my checking account and I will not be qualified for applying for any BOA accounts in the future.   I have good relations with all other banks and am in excellent credit status. Also I am not involved in any negative financial activities in any forms. Therefore I need to know why exactly Bank of America treats an honest and responsible customer like this. Many thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a Debt Validation ( XXXX XXXX ) dated XX/XX/2022 for verification of accounts listed under my name. This inaccurate information is giving a negative impact on my credit report. I also sent another letter for the method of validation. I have the right, Under FCRA that unverifiable accounts must be removed and it's been more than 30 days, I haven't received any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed a dispute letter to Equifax XXXX XXXX disputing the accuracy of a list of accounts. In this letter I included my full name, date of birth, social security number, as well as a copy of my driver 's license with a comment that it displays the correct and current address. I received a letter in response from Equifax stating " We were unable to locate a credit file in our database with the identification information you provided. '' This is false because I have received several alerts that they have updated my credit file after having received my letter of dispute. On four of the updates Equifax left a comment on the accounts that state " Consumer disputes-reinvestigation in process ''. This is verification that Equifax has in fact been able to locate my credit file with the identification information given in my dispute letter. This appears to be an attempt to either evade responsibility and unethically prolong the Fair Credit Reporting Act 's dispute window of 30 days. I have responded to Equifax with another letter pointing out their error and I expect for the disputed items to be removed if they can not be properly and thoroughly verified and validated within 30 days of my initial dispute letter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Flat XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX ( XXXX ) XXXX XX/XX/2024 Discover XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX REQUEST FOR 1099c Dear Sir/Madam, I am writing to request a copy of the 1099c form for the debt that I owed to your company, which was charged off. The debt in question is related to account XXXX and was charged off for the outstanding balance.. 

As tax season is wrapping up, I noticed that I have not received the required forms for a reported charge off. It is illegal to withhold a 1099c. When you are the fiduciary you have a responsibility to the trust. If you have submitted a 1099c to charge off the debt on the IRS side but did not supply a copy to me that is willful negligence and you are preventing me from being in compliance with the IRS. If you have not submitted this debt on your profit and loss, then this is considered tax fraud for manipulating the loss with a failure to report. I will exercise my right to use form 3949a information referral & form 211 which is reported to the whistleblower address for the IRS. I will also file a police report and report this to the Secretary of State in which your entity is registered. 
It is essential for me to have all the necessary documentation regarding my financial affairs, including the charged-off debt. I understand that it is a requirement that your company file a 1099c form for this debt, and I kindly request your assistance in providing me with a copy of this document. According to the IRS a 1099c is a notice to the IRS that the financial institution has forgiven or canceled a debt of {$600.00} or more. You are blatantly enforcing an alleged debt after you have received a tax benefit from the charge off. 
Having the 1099c will enable me to accurately report the charged-off debt on my taxes and ensure compliance with all tax obligations. I would greatly appreciate your prompt attention to this matter and the timely provision of the requested documentation. I need to resolve this matter efficiently and appreciate your cooperation in helping me meet my tax responsibilities. 

Thank you for your attention to this request. I look forward to receiving the 1099c for the charged-off debt as soon as possible. 

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

I contacted Experian many times concerning the debt owed by the debt collector kickoff. I reached out to XXXX  three weeks ago and there is an automated service that directs me to email XXXX for customer support. I am reporting that there is no way to reach this debt collector to negotiate the debt. XXXX  is reporting an unpaid debt to my credit report while unreachable and ignoring me reaching out to them through my credit file. I want this issue resolved as soon as possible. I also Faxed over my information documents to Experian to update my name and it has been three weeks going on four and my name has not been changed. I don't feel like Experian is doing what needs to be fixed and I am now forced to make a complaint about what is happening.
Product: Credit reporting, credit repair services, 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 Account number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX  Account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

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: Vehicle loan or lease

On XXXX/XXXX/XXXX XXXX XXXX XXXX recived a notice from carfinance capital/XXXX XXXX XXXX, stating that they have my vehicle and that i have broken my promise in our agreement.after reading the notice i then called Carfinance the person i spoke with says their name was XXXX, after explaining the reasons for my call she stated that she does not know the reason for or why my truck was repossed because it is, showing that my payment was up to date and there is no missed payment.because that the has just received payment from me on XX/XX/XXXX and i would have to speak with some one in a other dept.about my situation.i was then transfer to someone else.this prson can not recall name said because my truck was in the shop and was not pick up on time they went and repossed my truck and if i want the truck back i have to come up with {$4800.00}, i bought this vehicle used for the sum {$10000.00}, making payments on time i received this notice on XX/XX/XXXX that the vehicle will be sold at a private sale on XX/XX/XXXX on XX/XX/XXXX i check my credit report and i had a repossession showing i was never inform what the vehicle was sold for never received anymore information other than this letter dated from XXXX i checked my credit score again onXX/XX/XXXX now its saying i am 90 days behind on my truck payments with no contact stating about the sale of my truck.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, Subject : Complaint Regarding Charged-Off Accounts I am writing to formally lodge a complaint regarding a charged-off account that are affecting my credit report and financial standing. The details of these accounts are as follows : American Express Account # ending # XXXX American Express ha

s charged off this account. Once your debt is sold to a third-party debt collector or considered charged off, it becomes a certificate of indebtedness. This means that it is now considered income and can not be reported to your credit report. It is important to have these accounts removed immediately. I have also previously sent a letter to this company three months ago, stating that I am exercising my right to opt out of their reporting of these accounts, as per 16 CFR 313.7 ( f ) and 15 USC 6802 According to the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
XXXX is a consumer reporting agencies, and as the consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which states that financial institutions have an obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The furnisher of information to credit agencies is considered a financial institution under this definition. 
Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Neither the financial institution nor the consumer reporting agencies, XXXX, have my consent to furnish this information, and they certainly do not have my written consent. Any previous consent given to XXXX, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is now revoked.

The Furnisher of Information to credit agencies did not inform me of my right to exercise my nondisclosure option, which is in violation of 15 USC 6802 ( b ) ( c ). Additionally, the Account that is being reported by them is an adverse item without my permission, which is against the law according to 15 USC 1681C ( a ) ( 5 ). XXXX is not maintaining reasonable procedures as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e. Furthermore, as stated in 12 CFR 1016.7, I am opting out of their reporting services.

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

On XX/XX/13 the following companies performed hard credit checks on me without my consent. 

XXXX ( Finance ) XXXX XXXXXXXX ( Bank )
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiry I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this, ASAP! 
XXXX XX/XX/year>
Product: Debt collection

I paid the debt and settled the account with XXXX XXXX through XXXX XXXX XXXX and it is being reported incorrectly in my Credit Report.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

CBE GROUP added something on my credit for collections but I dont owe anybody anything I had made a report with you guys for receivable management system and they removed it because they were reporting on my credit XXXX times a week which is wrong plus it was on my credit too long so they removed it but I believed they sold it to this company CBE GROUP XXXX  XXXX XXXX has been harassing me too long and wont stop! This CBE GROUP lowered my credit score today!
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX  Bank Account # XXXX date opened XXXX bal. {$0.00}, XXXX debt Account XXXX : XXXX date opened XXXX bal. {$540.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$470.00}, financial health fcu Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, indiana XXXX XXXX Account # : XXXX date opened XX/XX/XXXX XXXX {$0.00}. Inquiries : regionalac, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX fcu, brclysbankde, ally financial, XXXX, global lending service, wells fargo dealer, syncb/paypal, jpmcb auto, exeter fin, first premie, XXXX motor XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.