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

I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX XXXX XXXX XXXX  )
Product: Credit card or prepaid card

Subject : Appeal for Disputed Transaction - XXXX Dispute case number : XXXX Transaction date : XX/XX/2022 Dear Goldman Sachs Apple Card Customer Support , I hope this message finds you well. I am writing to appeal a recent decision regarding a disputed transaction made through my Goldman Sachs Apple Card. The transaction in question is related to a purchase that was made from XXXX, an online service provider. 

To provide you with an accurate overview, I mistakenly filed the dispute as " item not received '' instead of " unauthorized transaction. '' I apologize for any confusion caused by this error. The transaction in question, amounting to {$560.00}, was unauthorized, and I did not initiate or authorize this payment. I re-read the documentation that was supplied by merchant and I noticed that cardholder name and billing address on their file does not match my current file with Goldman Sachs. 

Upon realizing my mistake, I promptly contacted XXXX to rectify the situation. However, they have been unresponsive, which further strengthens my belief that this transaction was indeed unauthorized. 

I kindly request your assistance in reevaluating my case and reconsidering the denial of my dispute. I understand that Goldman Sachs Apple Card takes customer satisfaction seriously and values its customers ' trust. As a loyal customer, I trust that you will thoroughly review my case to ensure a fair and just resolution. 

I apologize for any inconvenience caused by my initial misclassification of the dispute. I genuinely believe that this transaction was unauthorized, and I am hopeful that you will reconsider your decision based on the updated information provided. 

I appreciate your attention to this matter and your prompt response. Please do not hesitate to reach out to me if you require any further information or clarification. I look forward to a favorable resolution to this dispute. 

Thank you for your understanding and assistance. 

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

XXXX XXXX XXXX is reporting prohibited information/income on my consumer report. I have sent several disputes, cease and desist and still they continue to mis use my consumer report.Pursuant 15 USC 1681s-2 law clearly states a ) Duty of furnishers of information to provide accurate information. 

Pursuant to " XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. '' deals with the issue of whether the issuance of a XXXX form alone is sufficient to claim that a debt was XXXX and should not be reported. In this context : - XXXX Form** : A form issued by a lender to the IRS and the borrower when they cancel a debt of {$600.00} or more. It typically indicates that the creditor is no longer attempting to collect the debt. 

- **Key Legal Question** : Whether the issuance of a XXXX form by itself means that the debt is legally XXXX and therefore should no longer be reported to credit reporting agencies like XXXX. 

**Court Findings** : - The court found that issuing a XXXX form alone is not sufficient to claim that a debt was legally XXXX. 
- The debt can still be reported to credit reporting agencies unless there is additional evidence indicating that the debt was actually XXXX under the law. 
- The issuance of a XXXX form is primarily for tax reporting purposes and does not necessarily affect the legal status of the debt. 

This decision underscores that the mere act of a lender issuing a XXXX form does not equate to a discharge of the debt for credit reporting purposes. Lenders and borrowers must look at the underlying circumstances and legal documentation to determine if the debt was indeed XXXX. 


As defined by IRS : even if u didnt receive a XXXX you must not report as gross income on you tax returns. 

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

XX/XX/XXXX I had a balance of {$21.00} And I paid my bill in full on XX/XX/XXXX. I also called in the same day because my bill was due on XX/XX/XXXX and I was late. I typically do not carry a balance monthly with XXXX and I thought my bill was due on XX/XX/XXXX I spoke with a representative and she advised me I would not be charged a late fee and they would waive it as a courtesy and I would not be reported to the credit bureau as being late. What has happened is the rep never waived the late fee for me in XXXX and for the next seven months going forward since XX/XX/XXXX to XX/XX/XXXX I have been charged a late fee every single month! And I also received a letter that my credit limit has dropped from $ XXXX {$3000.00} and now my credit limit is {$100.00} I have called every month XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX for this to be fixed and they all told me they couldnt help me and I told them that I am not paying seven months of late fees as I do not carry a balance on my credit card I paid that. Finally on XX/XX/XXXX I spoke with a supervisor XXXX and he made me pay {$22.00} and he waive the late fees and brought my balance to XXXX he also told me he would fix with all three credit bureaus and I also sent in a letter which they asked me to for them to fix my credit reports not report me as being late on all three of my credit reports it shows my account being negative. As of today XX/XX/XXXX my account still shows negative on my credit reports and my credit limit is only {$100.00} and nobody has fix this yet
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( 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, credit repair services, or other personal consumer reports

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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
Product: Debt collection

I called Ford Credit onXX/XX/XXXX to advise them that the car we had with them was no longer in our possession. I told them that we had used it for a trade in for a XXXX and that XXXX had signed a legal paper to take over the remainder of our debt. Even though I called Ford Credit to apprise them of the situation they still called my home to collect and inquire about the XXXX Focus. They called me on Saturday XXXX just 3 days after I spoke to them and then again on XX/XX/XXXX. I have repeatedly asked them to stop calling me and yet they tell me they can call all they want as much as they want until they get the check from XXXX. They told me they normally call once a day so they are being nice by only calling every 3 days. I told them that is harassment especially since I don't even have the car and I apprised them of all the details with regards to the deal. They told me it is not harassment and that their are no laws to protect me from repeat phone calls! I can not make XXXX pay them any faster and yet they keep calling me telling me to go to XXXX and pressure them..These tactics are disgusting! I should not be harassed for a car I no longer have possession of! Ford is disgusting and not the company it once was. They sold me a car that they knew was flawed a XXXX Ford Focus. The main computer had to be repaired 3 times in 4 years and the dual clutch as well. They have since recalled these Focuses and Fiesta 's associated with these issues but not without screwing a bunch of people in the process! I also had to have a 5 year battery replaced in year 4 and a lifetime motor part replaced in year 3. It is disgusting what big money companies can get away with .On top of selling a money pit of a car, they harass you!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 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
Product: Money transfer, virtual currency, or money service

2 weeks ago Sunday, my wife XXXX XXXX XXXX Help Desk and got a number from the internet. The person picked up and answered " XXXX Help Desk ''. He spoke to her about her problem, then asked for her XXXX Login ID to verify something. The conversation quickly morphed into a conversation that someone in Georgia was trying to hack her account and he needed to verify her account information. She complied, worried that someone would hack her XXXX account. The " Help Desk '' rep then led her through a wild series of exercises eventually convincing her to add a XXXX recipient to her online banking and send him a " test payment '' of {$440.00}. Reg Flag right? My wife had never used XXXX and was told it was a test payment and she'd get it back right away. There was no message that popped up telling her that {$440.00} was going out the door, did she know this recipient, and that she could never get it back. 

The moment the new recipient was established at Wells Fargo, I got a pop up warning on my phone. I went downstairs and questioned my wife and she told me what was going on. By that time the money was out the door. 

I immediately called Wells Fargo, but had to spend 1 hour waiting on the phone. We explained the situation and the Wells Fargo rep said they'd open a case. Two weeks later Wells Fargo sent us a paper mail making no reference to Fraud and saying that since XXXX " authorized '' the payment, there was nothing they could do. XXXX never " authorized '' a payment. She was tricked into sending money though social engineering. 

We'd like our money back and are seeking your help. XXXX knows exactly where the money went and to which account. Wells Fargo needs to help and they are offering none. If a refund is not possible, I am asking you to introduce legislation to require that banks are required to have a huge pop up window before sending money from XXXX informing customers that 1 ) Are they aware that they are sending money out the door? 2 ) Are they aware that XXXX payments are non-refundable and gone forever? I blame Wells Fargo for allowing this to happen without sufficient warning. We notified them immediately of the situation, and they sent us a form letter back telling us sorry for our loss. This is just wrong. We'd like out money back Thanks, XXXX XXXX XXXX XXXX  XXXX XXXX, CT XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all unauthorized information on my credit report with TransUnion. alot of data is invalid please update the requested information to help clear my file.
Product: Credit card

Mel S. Harris & assoc. used deceptive collection practices while attempting to collect on a purchased debt. Once initial contact had been made and a discussion on solutions to resolve the debt, the attorney office sent out a summons for an appearance in court. The representative had advised us that " we should not worry because we will receive several of these notifications. '' However, there was a case filed in the city court and required an immediate response to avoid a default judgment. This summons was used as a collection tool while in mutual good faith discussion on how to repay the debt. The representatives refused to discuss reasonable payment arrangements and told us to deal with the courts. When I inquired as to why a summons was sent out while we were talking to their agency in good faith I was hung up on. After calling back XXXX times I was finally connected to a supervisor who again tried to tell me not to worry about the summons. As I inquired further as to the reason of the summons I was hung up on again. I was hung up on a total of XXXX times while asking to speak to a manager or an attorney within their office. This debt is over XXXX years old and was supposedly incurred by my mother in law who is on a fixed income and under the care of XXXX. Every time I had requested documentation or verification of the debt I was told to deal with it in court -- even though I was assured prior, that nothing had been sent or filed with the court! I am an advocate for my mother in law while dealing with what I consider to be an unprofessional and unscrupulous debt collector. The summons was sent just to solidify their subtle threats of garnishment, liens, or any other means at their disposal. My concern is that this would appear to be a regular occurrence with this agency. Once the attorney office makes contact with a consumer they issue a summons to scare the debtor. My mother in law was served on XXXX/XXXX/15 ; we had started discussing the debt on XXXX/XXXX/15 which means they ordered it while we were discussing in good faith our options on the debt. Mel S. Harris & assoc is using the power and intimidation of the summons and the court system as a scare tactic and collection tool to coerce and discriminate against consumers
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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX # XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$42000.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I submitted a copy of my police report to Equifax and requested that the fraudulent items listed in the police report be blocked pursuant to the Fair Credit Reporting Act Section 605B. I included a copy of my drivers license and social security card to confirm my identity. Instead of XXXX processing my fraud investigation, they disputed the fraudulents items and sent me correspondence that the item were " verified '' with my name and social security number. As a victim of identity theft my identity has been breached. I have filed a police report to document that the fraud did occur and have requested that the credit bureau block these items pursuant to federal law.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX XXXX
Product: Consumer Loan

A loan was taken out in my name. I was sent a letter saying I had taken out the loan when I had not. I called to learn more and was asked to provide my social security number, I did not. Then I got a letter saying I owed on the loan I never took out. I wrote the company to dispute the loan. I then got a letter saying I would be reported as not paying the debt. The debt was on my credit report. I disputed this in writing, filed a police report, put a fraud alert with the credit agencies. The company is Greensky Loan Services. Located in XXXX, GA. The company number on the credit report does not go to a working number. However, after I called, someone called me back and said they had received 1 of my written disputes. They again asked for my social and asked me to fax the police report. I did this. It seems odd that this company created a debt, and reported this to the credit agencies. It may be a case of stolen identity, or it may be a scam by this company Greensky.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act these creditors has violated my rights under 15 USC 1681 section 602 states. I have the right to privacy 15? USC 1681 section 604a section 2 it also states. consumer reporting agency can not furnish a can account without my written instructionsUSC 1681 section 602 states. I have the right to privacy 15? USC 1681 section 604a section 2 it also states. consumer reporting, agency, can not furnish a can account without my, written instructions, under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Checking or savings account

I RECEIVED SOME FUNDS IN MY ACCOUNT AND THEY SAID IT DOES NOT ALIGN WITH THEIR TERMS AND CONDITIONS AND THEY CLOSED MY ACCOUNT AND HAS STILL NOT SENT ME MY FUNDS.