23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has failed to send me a 1099-C pertaining to the account associated with the attached document included in this dispute. XXXXXXXX XXXX is also in violation of the IRS code for reporting charged off debt. Please see IRS reference information below : Instructions for Forms 1099-A and 1099-C ( XXXX XXXX Acquisition or Abandonment of Secured Property and Cancellation of Debt Section references are to the Internal Revenue Code unless otherwise noted. Who Must File File Form 1099-C if you are any of the following. A financial institution described in section 581 or 591 ( a ) ( such as a domestic bank, trust company, building and loan association, or savings and loan association ). A credit union. Any of the following, its successor, or subunit of one of the following. Federal Deposit Insurance Corporation. National Credit Union Administration. Any other federal executive agency, including government corporations. Any military department. U.S. Postal Service. Postal Rate Commission. A corporation that is a subsidiary of a financial institution or credit union, but only if, because of your affiliation, you are subject to supervision and examination by a federal or state regulatory agency. A federal government agency including : A department, An agency, A court or court administrative office, or An instrumentality in the judicial or legislative branch of the government. Any organization whose significant trade or business is the lending of money, such as a finance company or credit card company ( whether or not affiliated with a financial institution ). The lending of money is a significant trade or business if money is lent on a regular and continuing basis. Regulations section 1.6050P-2 ( b ) lists three XXXX XXXX under which reporting may not be required for the current year. XXXX XXXXXXXX XXXX rules next.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I received simultaneous emails of credit card accounts being opened under my personal information with Chase Bank and XXXX XXXX. I do not have any accounts with these companies. Called both banks to submit a fraud alert and cancelled both accounts. Also called XXXX and XXXX to put a freeze on my credit. Tried contacting XXXX and creating an account online but automation would not allow me to speak to a specialist. It directed me to the website which caused an error when I went to create an account and put a freeze on my credit. Was not able to freeze credit on their website. Tried calling several times. Took a screenshot for reference.

Additionally, credit report is showing credit card transactions already one day later.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have always made my payments on time. For some reason, I realized that there were late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of late since it's already been paid for. It seems impossible to appear late on an account that has already been paid. Here is the inaccurate account that I want to correct by the 3 Credit Bureaus : DEPT OF ED/XXXX XXXX  Opened XXXX XXXX, 2018 Balance : {$68000.00}.
Product: Student loan

THIS IS NEW INFORMATION ADDED OF THE LIE I CAUGHT XXXX. 
THIS IS NOT A DUPLICATE. 

XXXX is in violation of 15 U.S Code 1681 by submitting and reporting inaccurate information to CRAs. Which is a FEDERAL VIOLATION. 
XXXX LIED and said theyve deleted all information from my credit report, yet the documents Ive uploaded proved different. I AM THE NATURAL PERSON AND THE ORIGINAL CREDITOR. I did NOT give XXXX any permission to report this inaccurate information to any CRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both Equifax and XXXX are reporting an account on my credit report that is in violation. The account is with XXXX XXXX I have challenged the item twice. The second attempt I noticed they failed to put the notice of dispute on my credit report. They are in violation Section 807/8 of the FDCPA. I asked them to delete the account and they have not deleted, even after the violation. 
Equifax, XXXX, and XXXX are reporting an account on my credit report that is in violation. The account is with XXXX XXXX XXXX. I have challenged the item XXXX The date last active with XXXX has been reaged. I have credit reports where the date last active changed from XX/XX/23, and now its XX/XX/23. This month I will challenge the fact that the notice have dispute is not on the comments of the credit report. That is in violation. 
Equifax, XXXX, and XXXX are reporting an account on my credit report that is in violation. The account is with XXXX XXXX XXXX. I have challenged the item tXXXX The date last active with XXXX has been reaged. I have credit reports where the date last active changed from XX/XX/23, and now its XX/XX/23. With equifax is was XX/XX/23 last month and today its XX/XX/23. The XXXX attempt I noticed they failed to put the notice of dispute on my credit report. They are in violation Section 807/8 of the FDCPA. I asked them to delete the account and they have not deleted, even after the violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act. The list of accounts below has value my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account names : XXXX XXXX XXXX XXXX account number : XXXX .XXXX XXXX account number XXXX. XXXX XXXX. Account numberXXXX.XXXX XXXX Account number XXXX. XXXX XXXX XXXXXXXX. XXXX Account number : XXXX XXXX XXXX account numberXXXX XXXX XXXX account number XXXX . Has violating my rights. 15 U.S.C 1681! Section 602 A states I have the right to privacy .15 U.S.C 1681605 A section 2 : it also states a consumer report, and she can not furnish 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, 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 report agency if the person knows or has reasonable call to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX  for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions. XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the fair credit reporting act ( FCRA ), 15 u.s.c 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX  actions may also contravene the consumer financial protection act ( CFPA ), 12 u.s.c 5536 ( a ) ( 1 ) - ( b ). As highlights in the CFPBs recent administrative proceeding ( file NO.2025-CFPB-0002 ) againtst them for similar violations. I request that the CFPB take action to ensure XXXX  complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on XXXX, Innovis, and XXXX Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my XXXX, Innovis, and XXXX XXXX report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities. 
Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute.

Specifically, I request the following details regarding your investigation : 1. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.

2. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

3. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information.

4. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation. 
5. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken.

Violations of Law : I believe the verification process by XXXX, Innovis, and XXXX XXXX violate my rights under the following laws : 1. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports.

2. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

4. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

5. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years.

I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my XXXX XXXXXXXX, and XXXX report. Specifically, I ask that : XXXX. XXXX, Innovis, and XXXX provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. XXXX, Innovis, and XXXX corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXX, Innovis, and XXXX report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Product: Credit reporting or other personal consumer reports

On or about XXXX XXXX, I disputed the inaccurate balance for XXXX XXXX XXXXXXXX with both Equifax and XXXX. Following an investigation. XXXX promptly deleted the inaccurate information. However, Equifax did not take similar action and completed their investigation in only seven days. Equifax failed to provide account-level documentation or mark the account as disputed, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. This conduct by Equifax is both willful and negligent. Months have passed and the account remains unmarked as disputed, causing me significant emotional distress and anger.
Product: Debt collection

I have submitted many disputes with experian. Most recently I submitted one last week, and experian it updating my dispute results based off of my social security number. They have not given me no proof and they are not submitting the dispute claim through the credit card companies claiming this debt!
Product: Money transfer, virtual currency, or money service

XXXX  transferred funds in the amount of {$870.00} to bitcoin on XX/XX/2019 have sent several support tickets to bitcoin and XXXX  XXXX  have not been resolved as of today funds are not in my bitcoin account
Product: Debt collection

Please refer to dispute XXXX I have disputed the status of this debt several times. The company failed to provide debt validation and will not answer the number listed on the complaint. I would like to know how this debt was validated. I discovered the company on my credit report and my attorney included them in bankruptcy before we verifying whom the original creditors were. I filed bankruptcy on XX/XX/2017. After notifying the company with the 1st complaint I would like for you to know they have continued to label the debt as a collection account. They are refusing to update the status even with the provided documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, I sent a certified return receipt letter to XXXX XXXX XXXX XXXX with validation of loan and competent evidence bearing my signature, showing I had ( or ever had ) some contractural obligation to pay for a vehicle loan and disputed the account for accuracy. The letter was signed for by XXXX XXXX on XXXX XXXX XXXX. On XXXX XXXX XXXX, I received a letter from the Credit Bureau Team of XXXX XXXX XXXX XXXX stating the have confirmed that XXXX XXXX XXXX XXXX is reporting correctly. XXXX XXXX " verified '' with out showing my signature nor providing information on who conducted the verification of the account. On XXXX XXXX XXXX, I sent a letter stating, " Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on XX/XX/2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. '' Today, XX/XX/2017, I  received an updated credit report from XXXX showing that I disputed the account and the Credit Bureau continues to " validate '' the account well after the 30 day period of non-compliance of XXXX XXXX XXXX XXXX as to the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that these items be investigated and removed from my report. It is my understanding that the bureau will recheck these items with the creditor who has posted them. Any information that the creditor can not verify must be deleted I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter its been well over six months. The following information are incorrect. I would like it removed from my credit history report DEPTEDXXXX  Account Number : Please correct/update this inaccurate information on my credit report. 
2. FDCPA Section 807 violations misleading false report XXXX XXXX XXXX Account Number : This account is inaccurate 3. FDCPA Section 807 violations misleading false report DEPT OF ED/XXXX Account Number : This account is inaccurate 4. FDCPA Section 807 violations misleading false report DEPT OF EDUCATION/XXXX  Account Number : This account is inaccurate and 5. FDCPA Section 807 violations misleading false report XXXX XXXX XXXX Account Number :.

These account are inaccurate The following information has not been verified and, following failure to verify, deleted from the report as soon as possible these accounts are deed in vilation remove immediately. Stop updating Delete and Remove Inacurate reporting now. 

I have address misspell names open and closed reporting dates and so much violation to many name.
Product: Student loan

I have a federal student loan that I have been working on a TEPSLF  since XXXX. I have been trying to work with the loan holder which is MOHELA. They have been working with me to try to get my loans discharged through the TEPSLF. They gave me the advice of a reconsolidation. I follow that advice now my TEPSLF  is no longer there. I have tried to contact them as well as federal aid.gov and I am not getting any answers. I worked for the state of XXXX  for XXXX  years and qualify for the TEPSLF. I am very frustrated that they are not acknowledging my application or my qualification and I am getting no answers although they have told me I qualify in the past
Product: Debt collection

I reached out to this company several times, most recentlyXX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, asking for proof of the debt and debt amount. I have received a statement from the collection agency each time that I send a letter, but not the original contract or itemized statement of amount owed from the original creditor. I have also disputed with the credit bureaus asking them to validate the debt, and it has remained the same each of the three times that I have disputed the validity and accuracy of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX XXXX  XXXX # XXXX, has violated my rights XXXX XXXX  XXXX XXXX, has violated my rights XXXX  XXXX XXXX XXXX, has violated my rights XXXX  XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX XXXXXXXX, has violated my rights XXXX XXXX XXXX  XXXX, has violated my rights 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
Product: Credit card or prepaid card

I called my American Express to seek help with some problems with companies who took my money and never rendered me any services.I had to call several times as I feel the representative did not want to work on my problems because I was disconnected.I had two girls say no problem we will get them in dispute, then i was transferred to another girl who said it was to old.I explained to her that the merchants merchandise was not as described.I explained to her my husband and I are both legally XXXX and the company said no problem we will take care of everything.American Express told me so many different stories I still do not understand.They would not look at XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX.I was run around to seven different people who all seemed to have a different way of doing things.I talked to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, ,and XXXX.I still did not get an answer.I heard so many different scenarios I was left feeling like I was just pushed around from one department to another without getting a definitive answer.Please help me get my refund as I never received any service for all this money.
Product: Debt collection

I was not contacted by my orginal creditor, XXXX XXXX ; at this point it was sent to PROCOLLECT. I found out at the end of XXXX. I paid the debt IN FULL on XXXX XXXX, 2015. I was told I would recieve a paid in full letter and it would be removed from my credit report. This information was false, and cause me to be denied housing
Product: Credit reporting or other personal consumer reports

This is my second endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$92.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX MI XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$880.00} XXXXXXXX XXXX  XXXX Balance Owed : {$33000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$33000.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to 15 USC 1681 i7 method of verification. If this item is verified show me the procedure you took to verify it. Show me the business name, the business address and any information connected to the investigation that took place and if that isn't provided to me in writing within 15 days the account must be removed. XXXX XXXX XXXX XXXX {$540.00}
Product: Debt collection

I have already filed one official complaint through the state of IL Attorney General office regarding a student loan debt collection. They continue to call me at work on the business phone line. The line they call is a business only line. What must be done to stop them from harassing me at work? Can you direct me to a legal channel because filing complaints has not worked. This has been going on for over two years. The last call I received was from XXXX from Transworld Systems. The person calling was XXXX XXXX. The call was at XXXX. on XXXXXXX.
Product: Mortgage

I recently found that at the time of my loan closing that my loan for XXXX at 5.875 % 30 yrs simple interest had been changed to 6.875 % FOR TEN YEARS. 
and could go up to 12.875 % BY GOING UP 2 % every six months. I DIDNOT SIGN FOR THIS. 
MY loan broker discovered this and told me i neversigned up for this and he never made me aloan likethis. I declined to pay and they are foreclosing XXXX XXXX XXXX XXXX at XXXX XXXX. I need help.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 : A Venmo user attempted to use a phone number that previously belonged to me to use Venmo services. I had not yet changed my phone number associated with my Venmo account, and therefore the number should not have been valid on another device. This user was able to not only change my password, but also my financial information without my knowledge or consent. Venmo customer support does not operate after XXXX XXXX time, so I am not able to get a quick response for this theft and potential distribution of sensitive financial information, my debit card number, expiration date, and payment processor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX, XXXX, and Experian continue to knowingly report wrong information on my credit file. I have repeatedly shown them proof that the same account they are reporting opened was also opened in 2011. Therefore its well over the number of years allowed to be reported. They also can not prove any activity or payment on the account ever. This is clearly a violation of FCRA reporting rules and I have hired a lawyer to resolve this violation and seek damages.