23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had a dispute sent in with Total Visa XX/XX/2021 and also in XX/XX/2021 while in dispute of billing errors total Visa closed and restricted access to my account this is a violation of 15 USC 1666 ( d ) they can not close or restrict my account while in dispute and 15 USC 1666 ( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error- Pursuant to regulations of the Bureau , a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error. 


And for correspondening action to this violation 15 USC 1666 ( e ) states- Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Someone opened an AFFIRM account under my name and SSN #. I had made several attempts to get this resolved and they fail to work with me to get this removed out of my name. They state that it is mine. I advised it is not and requested what documentation do you have and/or IP address that was used to obtain the account and/or purchases. To this date they have failed to contact me back and/or provide me the documentation that I have requested. I submitted a report to the FTC and have supplied that report to AFFIRM.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Transunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I discovered discrepancies in the following account ( s ) : 1 ) Account Name : XXXX XXXX  XXXX Account Number : XXXX Disputed Information : there are inconsistencies among the XXXX credit bureaus regarding the account number, last activity, time 30/60/90 Days Late and amount past due. 
2 ) Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, status and account details Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1.Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2.Section 611 : Right to dispute inaccuracies and request investigation.

3.Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4.15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Transunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Attached documents : letter Transunion, Proof of Inaccurate, ID, Bill, SSN
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 XXXX XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.

Thank you for your prompt attention to this matter. I look forward to your response. 

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

I am writing to formally dispute the reporting of the account XXXX. ( XXXX XXXX, XXXX ). I recently obtained a copy of my credit report and found several inaccuracies and instances of non-compliance with the Metro2 reporting reported. 
Account Number XXXX XXXX-Please verify for accuracy XXXX Please verify for accuracy XXXX-Please verify for accuracy XXXX-Mathematically questionable XXXXMissing field but it is required XXXX A violation because there should be no past due amount on a collection account XXXX Missing field and it's required XXXXQuestionable-There was no complete or full investigation done and how was it verified/updated XXXXmissing field and it's required Also, upon reviewing the Metro 2 compliance guidelines and CDIA reporting requirements, I have identified the following discrepancies. 
Term Frequency- ( XXXX ) -This field is missing from the report, and this must be present, or you must delete this report immediately. 
FCRA Compliance/Date of First Delinquency-XXXX-This field is missing from the report, and this must be present, or you delete this account immediately ECOA Code-XXXX-This field is missing from the report and this must be present or you must delete this report immediately. 
Also, I have another discrepancies concerning the payment history. 
The account was not opened on XX/XX/year>. If so, how could it be updated on XX/XX/year> and then it's showing 'C ' collection in XXXX.
Product: Checking or savings account

I purchase a photoshoot package for XXXX for my wedding on XX/XX/2024 in XXXX. However, on the day of the event the photographer cancelled the photoshoot due to the weather. The photographer tried to reschedule the photoshoot but I was not able since I was leaving XXXX the very next day. When I got back home I submitted a claim with my bank ( Bank of America ) and explained that the company had cancelled the photoshoot. I provided support. However, the bank declined my claim and sided with the company stating that they charge was legitimate. I followed up with the bank and explained that I did make the purchase but the service was never provided and was canceled by the company. The bank has refused to to help me get my money back even after providing proof of the cancellation.
Product: Credit card or prepaid card

I discovered fraudulent activity on my Sync/ JC Pennies account XX/XX/18
Product: Checking or savings account

Chase cashed a fraudulent check from someone who stole a check I mailed to an employee. The check was whitewashed and made out to the person that stole it. It was originally for XXXX dollars and changed to XXXX dollars. The person who stole it did not write an account number on the back of the check and my signature was forged. Everything on the check was forged. On the day I found out about it I called and told Chase. They said they would call me in 3 business days and I had to call Chase after 10 days. Was put on hold for 30 minutes and then hung up on. They are not honoring the fraud because they said too many days passed from the check. Chase should have never cashed this check without an account number and a fraudulent signature.

My business name is XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Please update my phone number to my fraud alert : XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$3900.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) To Whom It May Concern : I am submitting this FTC Identity Theft Affidavit to report fraudulent activity that has affected my FICO credit report. This activity includes unauthorized accounts and fraudulent collections resulting from identity theft and fraud. I demand that these fraudulent items be removed from all of my credit reports and that any collection activity related to these items cease immediately, pursuant to my rights under FCRA 605 ( b ), 15 U.S.C. 1681c-2, and applicable provisions of the FDCPA. FTC Report Number : XXXX, Wiht date XX/XX/year> 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 and FCRA 605 ( b ) 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 Account # XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I recently checked my credit report I came a cross a collection agency named Credit system.
I 've reached out to Credit system.
Credit system have no VALIDATION I have not signed anything with credit system ... I need VALIDATION NOT VERIFICATION. If this matter is not resolved and deleted I will be filing a complaint with the BBB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm , Inc, date opened XX/XX/. Inaccurate information. I paid entire balance prior to due date with agent on phone. Account still went to charge off,.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Inadequate Response and Document Upload Issues To Whom It May Concern, I am filing a complaint against TransUnion regarding their inadequate response and the persistent technical issues I have experienced when attempting to upload documents related to a dispute on my credit report. 

On XXXX XXXX XXXX TransUnion sent me a letter requesting initial documents to support a dispute, in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ). This letter was received by regular mail on XXXX XXXX XXXX. Since then, I have made several attempts to upload the requested documents through their website, but the system has consistently failed to accept them. Additionally, I have called TransUnion multiple times and left messages as directed by their voicemail system, requesting a callback to resolve this issue. To date, I have not received any response or acknowledgment from TransUnion. 

This lack of response and the inability to upload necessary documents is not only inconvenient but also a violation of my rights under the FCRA. The FCRA ensures that consumers have a fair and accessible process to dispute and correct inaccuracies in their credit reports. TransUnions failure to provide an effective method for submitting documents and their lack of communication obstruct my ability to resolve inaccuracies, potentially harming my credit rating.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX  reported a medical bill on my credit report. 
I called this company at XXXX on XX/XX/22 at XXXX XXXX to resolve this issue. As soon as you call you automatically get placed on a hold. I was on hold for 4 minutes and never spoke to anyone and then the phone automatically hung up on me. I then called again at XXXX XXXX and again was placed on an automatic hold for 5 minutes and again their phone automatically hung up on me again without ever speaking to anyone. I called again at XXXX was on a brief hold this time and finally got through to a representative whose name is XXXX XXXX 
I then proceed to explain the reason for my call to XXXX which was to resolve the medical bill with them and asked if they could do a complete deletion once I settled the debt with them. 
XXXX told me that it was illegal to ask for a complete deletion and that they couldn't do that. 
I told him it's not illegal for me to ask and not illegal for their company to do. He then proceeded to continue to provide me with inaccurate information about the deletion I asked about. 
I told him that I am trying to resolve the issue with them but would like them to consider a complete deletion. 
He then told me that he was going to put in my file a note that said refusal to pay and hung up on me. 
His service was completely disrespectful and rude for no reason. 
I called back again at XXXX XXXX and asked to speak with a supervisor. 
I was able to speak with XXXX, a supervisor. I told her about my interaction with XXXX and how he hung up on me when I was not finished discussing the matter and how he told me that at complete deletion is illegal to ask for. 
XXXX said that the term illegal was inaccurate and that XXXX shouldn't have used that terminology. 
She stated that their company does not do complete deletions which doesn't make any sense to me because other credit collection agencies do them. 
It just seemed like XXXX didn't know what she was talking about either. 
My experience with this company was horrible. 
An agency should have better communication methods especially when they have the power over your credit report. 
It should not have taken me 3 phone calls to finally speak with someone about my account and the personal needs to be more informed and professional with their services. 
I would even like my account moved to a different creditor other than them due to their unprofessionalism and inaccurate statements about debt collection.
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 XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block 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 addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX DE. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX, XXXX, NY. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX  open XX/XX/XXXX XXXX XXXX. Open- XX/XX/XXXX {$1800.00} XXXX XXXX XXXX. {$750.00} XXXX XXXX OpenXXXX  {$750.00} XXXX XXXX XXXX. Open-02/23/2022. {$1600.00} A copy of an FTC report listing the products opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses, and a list of the questioned addresses are attached. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft. 

Enclosed is a copy of a FTC report stating the items that were opened in my name. These accounts have resulted in several fraudulent addresses appearing on my consumer FICO credit report. I've attached a list of the addresses in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent addresses. I do not recognize the aforementioned addresses as reported. The aforementioned addresses appearing on my consumer credit report maintained by you were not initiated by me. All of the aforementioned addresses are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned addresses are the result of identity theft and fraud.
Product: Debt collection

Credit card debt as well as other debt that i did not repay was sold to a 3rd party that is now attempting to collect. The credit card company as well as others reported the debt in full as owed. also the 3rd party who purchased the debt shows it as owed and in collections causing 2 credit bureau reports for the same debt. the credit card company shows debt in full tho they sold debt to lower amount. also the credit card company reported the debt to the IRS in full as income for me the debtor though the 3rd party is still trying to collect the entire debt. And i have paid the tax on the total as income. These negative credit reports are being duplicated and if IRS has charged me tax on total amount though the debt is sold creating income for original credit card company the amount of income reported is incorrect as well as the total amount of my debt as i am still liable for it.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the numerous attempts I have made to correct the late open account from my credit report. This fraudulent entries have significantly impacted my credit score and overall financial well-being, and despite my persistent efforts, they continue to remain on my credit report. The account have been adversely affecting my credit report : I kindly request your immediate attention to investigate and rectify these inaccuracies on my credit report. I expect a thorough review of the information I have provided and prompt resolution of these errors. I also request written updates on the progress of this dispute and the results of your investigation. It is my hope that such actions will not be required and that we can work together to rectify these inaccuracies as soon as possible. I am asking for your help to correct this account in my credit report : XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX Balance Owed : {$570.00} Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.