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

This company has violated my right to privacy and has unlawfully reported inaccurate information to the credit reporting agencies. When a creditor forgives or writes off a debt of {$600.00} or more, they are required to report this amount to the IRS using Form 1099-C ( Cancellation of Debt ), and they must also provide a copy of this form to the debtor. The debtor is then required to include this amount as income when filing their tax return. In which I have not received a copy of.

26 U.S.C. 61 ( a ) : This section defines " gross income '' as " all income from whatever source derived, '' which includes income from the discharge of indebtedness ( i.e., when a debt is forgiven or canceled. Income can not be reported on a credit report.

o Section 602 ( a ) of the FCRA ( 15 U.S.C. 1681 ) prohibits furnishing inaccurate information to consumer reporting agencies o Section 604 ( a ) of the FCRA ( 15 U.S.C. 1681b ) states that a consumer reporting agency can not furnish information about an account without the consumers written instructions o According to 15 U.S.C. 1692c, a debt collector may not communicate with any person other than the consumer ( or their attorney ) regarding a debt without prior consent from the consumer or express permission from a court o Under 15 U.S.C. 1692g ( b ), if a consumer disputes a debt in writing within 30 days of the initial communication, the debt collector must cease all collection activities until they obtain verification of the debt and provide it to the consumer. 

This company refuses to validate any information requested. I recently reported this company they responded informing me that they sold my information to another company. Therefore I am demanding that Immediate Deletion of this account from all consumer reporting agencies and the Cessation of Any Negative Reporting related to this account, including the removal of any adverse information that has been reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I never authorized, used, or benefited from these accounts or transactions in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove this personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove this personal information not later than 4 business days. XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is showing in collection on my credit file. It has a dropped my scores tremendously. It is also showing up incorrectly on the balance. It also shows on one bureau it shows as a debt recovery company on the other credit bureau, It shows up as a medical collection debt company. it has inaccurate dates because I did not open this account in XXXX  and it said it was open in XXXX I asked them to validate the debt and they have not validated the debt as of today but it has been placed on my credit file from two different collection companies and it has dropped my scores tremendously. I need this inaccurate debt and information removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX and XXXX should all have the same information updated I disputed it some got charge offs which mean some company claim it as a tax write off with the irs XXXX so how is tht still on my report s 15 USC 1692 ( D ) 15 U.S.C 1681bsection 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) 15 U.S.C1692c They updated some but not all some accounts closed one collections came off but not on all three n its destroying my XXXX XXXX I so hard tried to bring up
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a continuation from previous CFPB and reports and fraud : XXXX XXXX Enclosed are copies of my XXXX identity XXXX. 
In them, and assumingly by design, are many, many alarming, appalling, concerning, misuses of personal identity which has affected me personally my entire life. As a result, my insurance, background, court records, identity, and opportunities to advance are constantly and continually averted, thwarted, and assumingly illegally compromised with aliases, loans, inaccurate and unassociated court records. There are only several logical explanations which I will list below. The reports enclosed speak for themselves and further validate my claim. However, my attempts to address these issues in an all inclusive report, multiple times over my adulthood, has yielded little to zero results with a continual battery of prejudice, subjugation of minimal advancement, hope, or justice all the while the abuse of powers, and the perpetrators advance freely. 
With that said, a detailed report per entity will follow which involves but is not limited to insurance companies, mortgages, banks, loans, private and public companies, etc. 
All of which originate from this initial claim of fraudulent activity and abuse of power. 
The data regarding a background check, insurance, mortgages, and more originate from the same source and directive. 
XXXX ) Either the XXXX of Texas XXXX XXXX has or was compromised. 
XXXX ) A rouge editor of XXXX XXXX records. 
XXXX ) By design and integral to City, XXXX XXXX XXXX, XXXX, and Federal municipality, XXXX under the directive of the XXXX XXXX Texas XXXX XXXX. 
Options XXXX ) and XXXX ) require too much effort and altering records negatively are of zero benefit. 
Option XXXX ) however, is of great benefit and even if not, are and always have been under the direction of The XXXX XXXX, specifically, regarding insurance, mortgages, and vitally, court and criminal records. All of which are potentially detrimental to the person of interest, yet beneficial to The Governors of past, present, and future. 
These peculiar practices are extremely unjust especially and particularly when a person has paid their debts to the community and society. 
The Governor and the Attorney General for the XXXX XXXX Texas expects the citizens of the community to be of the highest moral, ethical, valued standards and by law they are required to do so themselves and are not above nor allowed to divert at will.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I XXXX have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, XXXX, and XXXX data breach, which adds to my worries about the safety of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent Equifax a dispute letter asking them to verify the items listed. I never received proper verification because I never received the original consumer contract with my signature on it which is what I asked for as verification.
Product: Credit card or prepaid card

I have proof of fraudulent charges including XXXX active cases going to the XXXX  for prosecution. When will my account be credited for the fraudulent purchases in the amount of {$2700.00}?
Product: Credit reporting or other personal consumer reports

To whom it may concern, I, XXXX XXXX XXXX, am writing you today as an aggrieved, indigent man. My wallet was stolen, which contained my driver 's license, social security card, along with my identity. Several fraudulent accounts were opened in my name without my knowledge or consent. 

I checked my credit report XX/XX/XXXX and noticed a fraudulent account ( XXXX XXXX XXXX ). The amount ( XXXX XXXX XXXX ) alleges I owe is {$4300.00}. I did not request any services or goods from this business. I have no knowledge of, nor did I consent to opening an account with this business. There are also hard inquiries, I have no knowledge of, nor did I consent to opening an account with this business. 

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  There is also a fraudulent address listed in my report. I have never resided at XXXX XXXX XXXX XXXX XXXX, OR XXXX.
Product: Credit card or prepaid card

I had a Chase Southwest Rapid Rewards Visa Credit Card issued through Chase. I tried to work this situation out with Chase but got no resolution. I was charged the annual fee of {$69.00} before it was due. They are supposed to credit me back my {$69.00} as I cancelled the card today before the deadline of XX/XX/2020. They acknowledge that I cancelled in a timely manner and that they owe me the {$69.00}. I have a {$47.00} balance on the card that is due in XXXX of 2020. Chase owes me more money back than I owe them. Chase expects me to timely pay my Chase Credit Card for the {$47.00} balance or Chase will go after my credit. I was told by a representative of Chase that I will have to wait six months to automatically get my {$69.00} back. Also, they put the burden on me, the consumer, to keep calling them back if I want my money any sooner than six months but Chase does not say when I should call back.. However, it did not take Chase six months to charge my Credit Card the {$69.00}. I do not understand why it takes Chase six months to give me my {$69.00} back. It is not being returned to me, the consumer, in a timely manner after I cancelled the card. Also, it is not the {$69.00} amount owed it is the principal and fairness of the matter. I am sure Chase does this to every consumer who cancels their card because of they have decided they do not want to keep the card and incur the $ XXXX  yearly fee. I believe Chase does this so they can keep money that is not theirs, for an unreasonable and extraordinary period of time, so they make interest off of each of the {$69.00} amounts. That is a lot of money when you add up all the consumers Chase does this to. 

I know Chase has the physical ability to credit an account immediately. When you call a credit card company and want to dispute a charge they automatically credit the account for the amount disputed. This credit is on the account until the dispute is resolved one way or the other with the merchant. When the merchant making the charge/fee to the account is Chase it leaves the consumer, in this case me, with no recourse except to file a complaint with a Federal Agency. 

Chase requires their consumers to timely pay their credit card bill or be charged fees and interest. However, when Chase owes a consumer money, the {$69.00} in this case, Chase keeps and uses that {$69.00} without the consumer 's permission. Chase then takes six months to pay the {$69.00} back. I believe this is an outrageous amount of time to return the {$69.00} to each of those consumers. Chase is also charged no fees and no interest for keeping and using this {$69.00} that is not theirs.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Reinvestigation & Account Deletions To Whom This May Concern, This is the fourth and final notice to correct information reporting to my credit report. There are still multiple inaccuracies on my credit report across each credit reporting agency as of XXXX XX/XX/year> on the following accounts : XXXX XXXX XXXX  ( Accts ending in XXXX & XXXX ) - billing errors are still reflected on my credit report which is in violation of 15 U.S. Code 1666 ( b ) ( XXXX ) XXXX XXXX ( Accts ending in XXXX & XXXX ) - billing errors are still reflected on my credit report which is in violation of 15 U.S. Code 1666 ( b ) ( XXXX XXXX XXXX XXXX XXXX XXXX Acct starting in XXXX ) - billing errors are still reflected on my credit report which is in violation of 15 U.S. Code 1666 ( b ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX Acct starting in XXXX ) - billing errors are still reflected on my credit report which is in violation of 15 U.S. Code 1666 ( b ) ( XXXX ) In addition to those inaccuracies, there should be only XXXX name and XXXX address listed on my credit report, which is as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any other name or address that is listed on my credit report is to be deleted IMMEDIATELY. 

Since the first notice of dispute took place in XX/XX/year>, I believe a fair resolution to the matter is to XXXX ) delete all accounts listed above per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Sec 611 ( a ) ( 1 ) ( A ) ( FCRA ), pay {$1000.00} per violation of the FCRA, 3 ) pay {$1000.00} in damages done to my credit report, 4 ) pay {$1000.00} per violation of 15 U.S. Code 1666.

Non-compliance with this notice is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other federal and state agencies. 

After this has been completed, please send an updated version of my credit report to the address listed above. 

Thank You, XXXX, XXXX dba XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company by the name of " Aspire '' received an complaint in XXXX of this year and agreed to remove the inquiry on my credit report within 60 days. As of today, it is still there and I need it removed immediately. It's been several months. Below you will see my inquiry from XXXX and the previous complaint with their response.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act convergent account # 1 XXXX XXXX XXXX  XX/XX/2022. # 2 XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 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 WITH OUT MY WRITTEN INSTRUCIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud/Identity account opened in my name between XX/XX/XXXX and XX/XX/XXXX. 
Company = American First Finance, XXXX. XXXX XXXX, XXXX, TX XXXX, ( Account # XXXX ) from a fraud purchase at XXXX  XXXX   XXXX, XXXX XXXX XXXX, XXXX, GA XXXX in the approximate initial amount of {$13000.00}. 

In contacting American First Finance on XX/XX/XXXX initially after receiving a past due notice, ( XXXX ), I disputed the account and informed them that I never authorized or approved a purchase from American Freight Furniture. I then called XXXX XXXX XXXX ( spoke with XXXX XXXX ) and informed them of the fraud purchase/lease. He would not provide me with additional information On XX/XX/XXXX, I called American First Finance again to see if they had resolved the dispute complaint. I spoke with a XXXX and then transferred off to a XXXX. Neither would provide with additional information nor send me a copy of the initial agreement, contract, and delivery receipt. They indicated that I had to first complete a affidavit. The notarized affidavit of fraud was completed today along with initiated a police fraud report.FILE # XXXX. 

On or around XX/XX/XXXX, I also completed a disputed/fraud account with XXXX  XXXX  XXXX. XXXX  XXXX XXXX, XXXX, PA XXXX File # XXXX. Their investigation confirmed account ; but, they would not confirm how they came up with this decision??
Product: Credit reporting or other personal consumer reports

Between XXXX was in regular contact regarding the inability to pay on my loan through the website. 

Last email we sent in XXXX explained again we were laid off and our home went into foreclosure for the third time. 

Never received a response. 

Next time went to review the status, it stated in plain terms PAID IN FULL. 

No further communications, letters email have been received. 

11 years later, XX/XX/XXXX after massive data dump of erroneous information on equfax and XXXX, showed numberous balances owed for this loan. 

Now the credit bureaus are showing TRANSFERRED which is VERY different from 11 years ago, XXXX. The website/account was altered without our knowledge or any communications. 

There have been many complaints placed through the CFPB as I've about this happening. 

Now XXXX is reporting as owed for this loan that is now showing TRANSFERRED not PAID IN FULL as it showed in XXXX. 

Someone altered the account and changed it from PAID IN FULL to transfered which is fraud.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, AccountXXXX, Creditor : 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 an account without my written instructions. This account is fraudulent account, I do not open any account with this company.
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. 

Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrect information on my report. I have disputed in writing several times and it always comes back as verified accurate. 
This account is reporting XX/XX/2019 and XX/XX/2019 as both 30 days late. It also reports as a {$90.00} payment was made on XX/XX/ 2019. 
How can this be? 
This is in violation and must be removed per the FRCA.
Product: Credit reporting or other personal consumer reports

Im writing today to complain about a dispute that I sent out to Equifax in regards to late payments to .... 
XXXX XXXX - account number XXXX, Late Payment Dates : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. Their investigation did not fix this from my account. These late payments are fraudulently being reported and under 1666b they are suppose to send me a bill/statement in the mail 21 days before the due date which i never received and if there is proof of that please send that to me. Also under 15 U.S.C. 1681s-2 ) : The FCRA mandates that a furnisher of information must notify the consumer in writing of its intention to furnish negative information regarding any consumer debt directly to a consumer reporting agency. I have not received any such notification from creditor. I WAS NEVER NOTIFIED. Im asking this Account on my report be fixed and remove those late payments and update the information to reflect " paid as agreed ''. Your violating my rights under the FCRA, Please send me a copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX  XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Payday loan

Hello, I received an alert to my credit report and it was a credit inquiry from a company called MoneyMart. I never applied for anything with this company and when they pulled my credit report they should have seen a fraud alert and my phone number listed to contact me prior to issuing credit and application verification I did not authorize the inquiry and asking for the fraudulent inquiry to be removed.