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

I am writing regarding accounts that have been reported to the credit bureaus by your agency or company under my name and Social Security number. These accounts are currently reflected in my credit report, but I have not received a 1099-C form indicating any cancellation of debt. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the regulations set forth by the Internal Revenue Service ( IRS ) under 26 U.S. Code 6050P, creditors are required to issue a Form 1099-C when {$600.00} or more of debt has been canceled or discharged. Failure to provide this document within a reasonable period constitutes a violation of both federal regulations and reporting accuracy requirements under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

In accordance with the FCRA, I am requesting validation and verification of the reported debt, as required under 15 U.S.C. 1681i ( a ). If your agency has discharged or forgiven any portion of the debt, you are legally obligated to issue the necessary 1099-C form to me and report this accurately to the credit bureaus. If you are unable to provide the necessary documents, including a valid 1099-C, within the required timeline, failure to do so will be treated as a violation of federal law and could be considered fraudulent reporting under 18 U.S.C. 1341. 

Please take immediate action to remove the incorrect and unverifiable accounts from all consumer reporting agencies in compliance with the FCRA, 15 U.S.C. 1681s-2 ( a ). Additionally, I demand that you immediately cease all collection efforts related to these accounts under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq, until proper validation has been provided. 
Failure to comply with these requests will leave me with no choice but to pursue all available legal remedies, including reporting this issue to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
Please respond in writing within 30 days of the receipt of this letter to confirm the removal of the accounts and/or provide the requested 1099-C form. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been an ongoing issue that needs to be reviewed. all information listed is reported illegally an is fraudulently reported on my credit report. ive listed all data that needs to be removed. please review the listed items to properly delete an remove all information listed on my credit report.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX XXXX XXXX  data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I suspected that my identity has been stolen due to the amount of calls and emails I receive about accounts and collects that do NOT belong to me. I also am aware that my information was exposed I about 5 different data breaches. The XXXX data breaches, and Equifax Data Breach. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A PROVEN VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW 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 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 : states a consumer reporting agency can not furnish an account without my written instruction. 

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, 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 or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX  Account # XXXX
Product: Credit card or prepaid card

I was called about making a payment and the person on the line told me that they could do a charge out for me i paid like {$1300.00} and the next month I received the bill i have continued to receive a bill I contacted the company they said they were going to do an investigation they have not got back in touch with me they canceled a report in this on my credit as a negative or I failures to pay When me and the person who called me about the payment had set up that one time payment that should have closed the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX 6. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Product: Debt collection

I am formally notifying you of my intention to pursue legal action against your company for repeatedly failing to address inaccuracies on my credit profile, as mandated by the Fair Credit Reporting Act ( FCRA ). Over the phone, I talked to someone within the company to confirm the documents had been received and they informed me that they never receive documents from the CFPB. Your disregard for my requests constitutes a violation of the FCRA, which grants consumers the right to accurate credit reporting. Despite multiple requests, you have neglected to investigate and correct the erroneous information associated with the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries and inaccurate account information.
Product: Money transfer, virtual currency, or money service

Zelle has restricted my account for no reason. I have been using Zelle for years without any problems. But recently, Zelle restricted my account for no reason. I have contacted customer service, but they will not provide me with answers. 
I can not send or receive any money through this service. My tokens are restricted. I tried working with my banks and credit unions but they have advised me to contact Zelle, they are the only ones who can resolve the issue.
Product: Debt collection

I received a debt collection letter back in XXXX when I was residing in XXXX florida from a company by the name of Procollect for the amount of {$8100.00} resulting from XXXX XXXX. As a result, I never heard of this company or the apartment complex XXXX XXXX. The letter stated that I lived there back in XXXX which I never lived there. As a result, I contacted the company I 've gotten no response as well as disputed the fraudulent information off of my credit report they have denied my dispute and causing a huge issue on my credit history as well as credit score. When I contacted the Renter XXXX XXXX I was told they have never heard of me and they have no record of me in their system whatsoever.I do n't even know if the company Procollect is a legit company because they wo n't give out their license number as well as remove this off of my credit report. They used to send harrassing debt letters in the past which I disregarded with this outrageous balance.This company is a fraud 180 customers have complained about this company falsely accusing people of a debt that is not theirs. Also, customers have complained about this company not resolving their issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1968 Dear Consumer Financial Protection Bureau , I am writing to file a formal dispute regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by. The details of these violations are as follows : Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX The address associated with is incorrect and does not pertain to me. This inaccurate reporting has led to severe emotional distress and unjust consequences on my credit history. The violations include : FCRA, Section 1681e : The inclusion of an incorrect address on my credit report violates the FCRA 's requirement that credit reporting agencies maintain accurate and up-to-date consumer information. 
FCRA, Section 1681i : Despite my repeated disputes, no reasonable investigation has been conducted to rectify this inaccurate information, further violating the FCRA. 
This erroneous information has profoundly affected my life. Allow me to share a personal story illustrating the extent of the harm caused : For several years, I have diligently worked to maintain a strong credit history, a crucial factor in achieving financial stability. However, the reporting of the inaccurate address linked to has cast a shadow of doubt on my credibility as a responsible borrower. This issue emerged when I applied for a mortgage loan to fulfill my dream of homeownership. The lender questioned the inconsistency between the address on my credit report and the address provided in my mortgage application. This discrepancy led to delays in processing my application, putting my dream on hold. 

The emotional toll this situation has taken on me is immeasurable. The fear of being unfairly judged due to erroneous information haunts my every financial endeavor. The stress and XXXX caused by these events have affected my overall well-being and have taken a toll on my personal and professional life. 

Given these violations and the detrimental impact on my life, I urge the Consumer Financial Protection Bureau to enforce the legal protections set forth by the FCRA and FDCPA. I request a thorough investigation into the actions of and the immediate removal of the incorrect address associated with from my credit report. 

Furthermore, I demand that undertake a diligent review of all accounts it has reported on my credit history and remove any unverified or inaccurately reported accounts. This action is essential to restoring the integrity of my credit report and protecting my financial well-being. 

I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting practices. I look forward to a prompt resolution of this dispute. 

Thank you for your time and consideration. 

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

They ran my credit!!! Im not even in that state!!!!! I Did NOT EVER tell this was necessary I explicitly told them, I could NOT do this!!!!! Nor could I make any type of payment at this time ... They committed FRAUD!!!! Im sure Im not the only one theyre doing this too ... ..seems like Local loan operations are in the habit taking advantage of people
Product: Credit card or prepaid card

Chase is the problem. They sent me a letter ( I have and can send to you ) canceling my XXXX XXXX XXXX credit card and its program replacing it wiht Chase Freedom Unlimited visa. I had paid {$49.00} in XXXX for a full years XXXX rewards and their letter noted that they would prorate my refund. I have called many times, emailed 4 times. At first it was it will take 4 weeks, then it was becusae you didnt keep the XXXX credit card you dont get the refund. THis is not a big amount- it is the principle and CHASE should be repremanded for this. If there are other customers like me- this is a large amount that they keep in fees while not delivering what they promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding the Equifax Data Breach that occurred between XX/XX/XXXXandXX/XX/XXXX and was reported in XX/XX/XXXX. This gross incompetence and lack of care for the privacy and security customers ' personal information has directly impacted me and family members, as we 've been informed by Equifax that our information has been stolen in the data breach. Further, the fact that even getting the information and protection that Equifax offers as recompense for their incompetence REQUIRES me to waive my right to join a class action against them is the most evil possible thing Equifax could have done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.As an informed consumer, I am fully aware of my protected rights. Therefore, I strongly urge you to promptly remove and block the fraudulent, inaccurate, and misleading items that have been erroneously included in my customer reports. Failure to take immediate action in rectifying this matter will leave me with no alternative but to pursue legal recourse against your organization.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As su
ch, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Checking or savings account

on XX/XX/2024 I received my income tax refund check for {$180000.00} i deposited the check into my checking account with South State Bank branch location @ XXXX XXXX XXXX XXXX XXXX, FL XXXX. I was informed by the teller that my funds would be released on XX/XX/2024 and was printed out documentation stating that fact. on XX/XX/2024 I went into the branch to iniate a wire transfer for an investment that I have been waiting to make.I was informed by the banker that I had to come back the next day to get the wire approved by management. I proceeded to uitilize the funds that were available on XXXXafter two purchases I discovered that my card was closed and account frozen. I called customer service and was informed that the branch iniated the fraud hold. I went and spoke with the XXXX XXXX XXXX XXXX at the location and was informed that a fraud investigation was iniated by the bank and it would 30 days before my funds were released. This is a US Treasury check that I have been waiting MONTHS for. I deposited a valid check and my account is currently frozen and no exact date for my funds to be released.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is the common sense if I was in an alleged litigation why is it that they respond but, when pertaining to this corporation involving an unlawful practice. I am in litigation with them please have them provide an exhibit of this.
Product: Credit reporting or other personal consumer reports

I have formally written multiple letters to dispute the validity of a debt that XXXX XXXX, and other credit agencies claims I owe. These agencies are using illegal tactics and unfair practices that has resulted in inaccurate and incomplete credit information. I have notified the agencies violating my rights as a consumer that never voluntarily surrendered any vehicle nor have I ever made a late payment. the vehicle was fully paid off ( {$14000.00} ). This happen in 2018, and I been continuously contact them for over 5 years to make these corrections. I have also requested the document bearing my signature of the voluntary surrender for the vehicle to the lender, which they fail t do so. I will take a legal actions against any person ( XXXX ) if this is not corrected. please consider this latter as a formal dispute of the reported debt. Thank You
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against [ Credit Reporting Agency Name ] concerning multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding adverse accounts that have been closed, the reporting of late payments, and the reporting of charged-off accounts.

Details of the Complaint : 1. Reporting Adverse Accounts That Have Been Closed : XXXX, XXXX and TransUnion has continued to report adverse accounts on my credit report that have already been closed. This practice is in direct violation of the FCRA, which mandates that adverse accounts that have been closed should not be reported on a consumer 's credit report. This incorrect reporting misrepresents my financial history and negatively impacts my creditworthiness. 
2. Reporting of Late Payments : I have discovered that XXXX, XXXX and TransUnion has reported late payments on my credit report, which is a clear violation of 15 USC 1666B. The FCRA requires credit reporting agencies to ensure the accuracy of the information they report. The reporting of late payments when no such late payments occurred is a significant breach of this requirement. 
3. Reporting of Charged-Off Accounts : XXXX, XXXX and TransUnion has reported charged-off accounts on my credit report. According to the Internal Revenue Service ( IRS ), charged-off accounts are considered income, and they should not be reported as outstanding debts on a consumer 's credit report. This practice misrepresents my financial status and creates an inaccurate reflection of my creditworthiness. 
I have attempted to resolve these issues with XXXX, XXXX and TransUnion directly, but my efforts have been unsuccessful in rectifying these violations. I am turning to the CFPB to seek assistance in resolving these matters and to ensure that my rights as a consumer under the FCRA are protected and upheld. 
I kindly request that the CFPB investigates these violations and takes appropriate action to address and rectify the inaccuracies on my credit report. I also ask that XXXX, XXXX and TransUnion be held accountable for its failure to comply with federal regulations and its impact on my creditworthiness. 
Enclosed with this letter are copies of my credit reports reflecting the inaccurate information, as well as any related documentation that supports my complaint. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving these violations.