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

I am writing to formally request the immediate deletion of the account referenced below from my credit report due to violations of the Fair Credit Reporting Act ( FCRA ) : Account Name : XXXX XXXX Account Number : XXXX The basis for this request is that the information you have furnished to the credit reporting agencies is inaccurate and/or unverifiable, and as such, it should not be included in my credit report in accordance with the FCRA. Specifically, the following violations have occurred : 1. **Failure to Provide Accurate Information ( 15 U.S.C . 1681s-2 ( a ) ) ** : The information you reported is inaccurate and has not been corrected despite my previous disputes.

2. **Failure to Reinvestigate Disputed Information ( 15 U.S.C . 1681s-2 ( b ) ) ** : You did not properly reinvestigate the disputed information as required by the FCRA. 
I am formally notify you of several serious issues regarding my account, specifically your failure to provide the required Form 1099-C, as well as violations of both tax regulations and the Fair Credit Reporting Act ( FCRA ).

**Failure to Provide Form 1099-C** Under 26 U.S. Code 6050P, you are required to file a Form 1099-C with the Internal Revenue Service ( IRS ) and provide a copy to me when you cancel a debt of {$600.00} or more. Despite the cancellation of my debt, I have not received this form from your company. This failure to comply with IRS regulations constitutes a serious violation and can be considered tax fraud. 
**Violation of Tax Regulations** Your failure to issue a Form 1099-C as mandated by 26 U.S. Code 6050P is a violation of federal tax law. This omission prevents me from properly reporting my income to the IRS, which may expose me to potential penalties and interest for underreporting income. Additionally, it constitutes tax fraud under 26 U.S. Code 7206, which addresses fraud and false statements.

**Violation of the Fair Credit Reporting Act ( FCRA ) ** Furthermore, your actions are in violation of the Fair Credit Reporting Act, codified at 15 U.S. Code 1681s- 2. This section requires furnishers of information to provide accurate information to credit reporting agencies and to correct any inaccuracies. Your failure to provide accurate information, including the status of my debt, has caused inaccuracies on my credit report, which negatively affects my creditworthiness.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Date : XX/XX/year> To Whom It May Concern, I am writing to file a complaint against Equifax regarding an inaccurate account associated with XXXX XXXXXXXX XXXX XXXX. I believe that Equifax has violated the Fair Credit Reporting Act ( FCRA ) in the following ways : 1.15 U.S. Code 1681e - Compliance Procedures : ** Equifax has failed to maintain reasonable procedures designed to avoid violations of section 1681c and to limit the furnishing of consumer reports to permissible purposes. 

2.15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : ** Equifax has provided my consumer report for purposes that I believe are not permissible, including employment purposes. 

The specific issue pertains to an inaccurate account linked to the address XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX. This address is not listed on my driver 's license or rental lease. Despite multiple disputes filed within the last 90 days, Equifax continues to send me stall letters stating they can not locate a credit file. 

I strongly believe that Equifax is using this inaccurate account for reselling and for employment purposes, which is unacceptable and damaging to my credit profile, violates the FCRA. 

I request that Equifax promptly investigate this matter and remove XXXX XXXX XXXX XXXX account from my credit report. 

Thank you for your attention to this matter. 

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

Upon checking XXXX XXXX I seen that my score dropped 63 points for a new open account. It only dropped 14 with XXXX. Their site says you cant dispute scores and other ppl I work with have had same issue with transunion. That is a lot of points for a new credit card account.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/year>
Product: Checking or savings account

A checking account was opened in my name with Comerica Bank. I received a welcome package with starter checks. I called Comerica, spoke with the fraud dept. and they closed the account.
Product: Vehicle loan or lease

To Whom It May Concern, I am filing a complaint against premier Auto credit for failing to follow proper legal procedures during the repossession and subsequent sale of my vehicle. 


Vehicle information : XXXX XXXX XXXX XXXX XXXX # XXXX Loan Account Number : XXXX Repossession Date : XX/XX/XXXX Issues : XXXX. I was not provided with a Notice of Intent to Sell as required under California law ( California Civil Code Section XXXX ). 
2. I was not informed of my right to redeem the vehicle before the sale or provided details about the sale ( date, time, or location ). 
3. This has caused me financial and emotional distress. 

What I Am Requesting : 1. A full explanation of the repossession and sale process for my vehicle. 
2. Reimbursement of any losses if the lender violated my rights. 
3. A correction of any negative credit reporting caused by this repossession. 

Please investigate this matter promptly. I am happy to provide any additional information upon request. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a call at XXXXXXXX XXXX Thursday, XX/XX/2018, which I answered. There was a slight hum and click, and then the phone rang as if I had called whoever this was, and I immediately recognized that this was the process of an auto-dialer. An individual identified himself as only his first name, asking for someone by name, at which point I asked for his name and company, and asked why he was using an autodialer. After asking several times, without confirming any personal information at all from me, the individual divulged that he was with CCS, and that he understood that he was not supposed to be using an autodialer. I informed him that it was against the law to do so, and he stated that he could not continue the conversation and hung up the call.
Product: Mortgage

Did bankruptcy in XXXX XXXX on first and second mortgage. Have been trying to refinance on the first mortgage, but XXXX XXXX XXXX put a lien on the first, even though the second was discharged. Haven't gotten help from them, I would like to do this so I can retire.
Product: Credit reporting or other personal consumer reports

Dear [ XXXX XXXX EQUIFAX ], I am writing to express my extreme dissatisfaction with the lack of progress regarding my dispute of fraudulent activity on my credit report. I filed a fraud claim on [ XX/XX/XXXX ] regarding [ listed items in each attachment ] The Fair Credit Reporting Act ( FCRA ) mandates a response from credit bureaus within 30 days of receiving a dispute. It has now been 56 days, and I have yet to receive any communication regarding my claim. 

This lack of response is unacceptable and a clear violation of my rights under the FCRA. These fraudulent entries have been on my report for a significant amount of time, and your continued inaction is causing me undue harm. 

Due to your failure to comply with the FCRA, I am prepared to take the following actions : File a lawsuit against your bureau. 

I demand immediate action on my dispute. Please remove the fraudulent entries from my credit report and provide me with a written confirmation of this change. 

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

In accordance with the Fair Credit Reporting act XXXX account ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 credit reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XXXX XXXX XXXX DATE OPENED : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX DATE OPENED : XXXX ACCOUNT NAME : XXXX XXXX XXXX DATE OPENED : XXXX ACCOUNT NAME : XXXXXXXX XXXX DATE OPENED : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  DATE OPENED : XXXX ACCOUNT NAME : XXXX XXXX XXXX  DATE OPENED : XXXX ACCOUNT NAME : XXXX DATE OPENED : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  DATE OPENED XXXX XXXX ACCOUNT NAME : XXXXXXXX XXXX  DATE OPENED : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX DATE OPENED : XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

When XXXX was there would overdraft me when a payment came I had money to the fact the took my whole XXXX check away and make other bills late and charged late fees. Dates from XXXX. Having to call them each month due to not paying the amount when the money was there.
Product: Mortgage

My current mortgage company is trying steal {$3000.00} Plus dollar to put in escrows account of mines as they are saying it for an property tax.I double check with my county and they inform me there was no payment or back payment due. They won't provide me with any document of the payment was made but Inform me it was for my property. I check the email they made the payment to and it was for an different county.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I called OneMain Financial to learn about the types of loans they offered and I asked about their rates. After talking to the lady on the phone, I told her not to run my credit because I needed more time to think about it and because I didn't want an unnecessary hard inquiry on my credit if I didn't really need the loan. I told her not to run my credit and she did it anyways without my consent. She was trying to attach the loan to my vehicle and I told her I did not want to do that.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX XXXX {$960.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$930.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$370.00} XX/XX/XXXX XXXX XXXXXXXX {$540.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax, XXXX XXXX XXXX Auto XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX 15 U.S.C , 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Company was notified I requested debt validation and still no response. Its inaccurate information that is unauthorized
Product: Credit reporting or other personal consumer reports

XXXX will not allow lenders to access my credit report. In particular, they are returning a null response to Pentagon Federal Credit Union which has caused me to be denied for a checking account and placed a limitation on my savings account. XXXX claims there is no hold on my report, but this has not resulted in them accurately reporting my information to Penfed. This is despite the fact that the information submitted in the application is accurate and up to date.
Product: Credit card

Back in XXXX I was in the hospital and the credit card company asked me to fill out a tax verification income form so they can verify my income from the previous text year and I did. Then they said they were not sure it was me and asked me to verify my identity. Then they closed my account. I wrote a letter in XXXX explaining my recovery process made me miss payments and asking if my account can be restored. The company declined. I set up payment arrangements many times. Recently I was given a payment arrangement for the amount of {$1400.00} but a sum of approximately {$2500.00} is being reported on my credit report and none of my payments are reflecting either. Despite all payment attempts before they closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS ARE REPORTING INACCURATELY ON MY CONSUMER REPORT. 

XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. ) XXXX XXXX XXXX XXXXXXXX Pursuant to the FCRA & the FDCPA I respectfully request for full accounting and disclosure to be provided as proof of these alleged items, specifically the original contract and application, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. ADDITIONALLY, This information is entirely or partly inaccurate and incomplete, and as such represents a very serious error in your reporting that is causing damage to my reputation. If you fail to delete or report any and all accounts accurately and completely, I WILL FILE FOR LITIGATION.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent XXXX, XXXX, Transunion a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Product: Credit card or prepaid card

I first obtained the XXXX credit card in XXXX. Never had any payment problems or disputed charges. In late XXXX XXXX XXXX sold it to Comenity Bank. 

First statement i got from Comenity showed charges i didn't make. I filed a dispute and was told their were mines. I made a written dispute requesting them to please investigate for fraud. I call to check the status and was told the charges were mines. 

I never made a single payment to comenity because they won't even do a proper investigation to my disputed charges. The charges are from XXXX XXXX. I did go for a wedding but i stayed with family. I called the hotel myself to see if i can get evidence but although my card was used, my name wasn't and therefore they weren't willing to help me but did tell me the credit card company can. 

Til this day whenever they contact me i tell them I'll pay my balance in full prior to XX/XX/XXXX. Because i never even activated their credit card issued by them. 

Now they sending it to collections and my 2years window is closing in. So I'd like to get this matter resolved. I ask for comenity please prove it was I who filed these charges because i know for a fact i didn't! I'm not going to pay for something i didn't do. Please remove those fraud/unauthorized charges and i will pay the balance pre XX/XX/XXXX and close the account in good standing and correct my credit. 

They're coming out like the frauds for not even doing a proper investigation when a consumer requests one.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account status which is currently confirmed on my own credit report is having a drastically adverse effect on my opportunity to acquire approval for a new loan, be sure to generate evidence that this is being noted efficiently as per the Fair Credit Reporting Act rules ; this is truly a crucial point to misreport. My proper demand requires reviewing directly and proving to be precise. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agency needs to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX XXXX XXXX They both are reporting 60 days late when I was never 30 days late. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting actXXXX XXXX XXXX Account # 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: Debt collection

I first contacted Jefferson Capital Systems XX/XX/2020 about an inaccurate and unverified account from XXXX for {$640.00} I saw on my credit reports. I included the account number and what was listed on my credit reports by their company. They responded on XX/XX/2020 sending me a totally unrelated bill that is not listed on my credit reports at all, and had none of the information or account numbers I sent them that they are reporting to the credit bureaus. I again sent another certified letter XX/XX/2020, telling them they sent an unrelated account as validation, again listed the account I was disputing as shown by their company on my credit reports and asked them to remove the inaccuracies as they could not verify it. Jefferson Capital Systems responded on XX/XX/2020 sending yet again another bill that had no identifying information to link it to me, and a bill thats not even in my name, nor bears my signature, or verifiable proof as a means of validation. They are continuing to report this unverified account on my credit reports. I have also asked for their bonding agency information so I can file suit, and they have ignored that request as well.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding fraudulent items that have appeared on my credit report, which may be related to identity theft. Pursuant to 15 U.S.C. 1681c-2, I request that the necessary measures be taken to ensure this information is promptly blocked and removed from my credit report. I have provided all the pertinent documentation to support my case, including : A copy of my police report or identity theft report issued by the FTC ( XXXX ). Valid identification and proof of my current address. The fraudulent negative marks on my report are as follows : Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the provisions of 15 U.S.C. 1681c-2, credit reporting agencies are obligated to block and remove any disputed information related to identity theft or fraud within four business days of receiving the corresponding report.
Product: Credit reporting or other personal consumer reports

This is my other 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 items : XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance Owed : {$4.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$560.00} ; XXXX  XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX  XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$0.00} ; EXPERIAN XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I wrote to XXXX XXXX XXXX XXXX asking for proof of a late payment that they were reporting to all 3 credit bureaus. I have seen that they did indeed update my account to show current to XXXX and XXXX however, Experian is still showing late which is definitely incorrect and a discrepancy. I would like for the late payment to be removed from my credit report as reported to Experian immediately. The other two are reporting correctly.