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

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report a violation of the Fair Credit Reporting Act ( FCRA ) concerning the repeated inaccurate reporting of charge-offs and collections on my credit report. Despite my efforts to resolve this issue, I have encountered persistent inaccuracies that have negatively impacted my credit score and overall financial health. 

Key Issues : Repeated Charge-Offs and Collections : I have noticed that the following accounts have been repeatedly reported as charge-offs and collections each month, which is misleading and damaging to my credit profile : XXXX XXXX XXXX  : Account # XXXXXXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX  : Account # XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX : Account XXXX XXXXXXXX XXXX XXXX  ( XXXX  XXXX XXXX : Account # XXXX XXXX & XXXX XXXX XXXX Account XXXX XXXX Failure to Provide a 1099-C : Despite the accounts being classified as charge-offs, I have not received a Form 1099-C for any of these accounts. According to 26 U.S.C. 6050P, creditors are required to issue a 1099-C when a debt of {$600.00} or more is canceled. The lack of this form raises concerns about the legitimacy of these charge-offs and reflects a failure on the part of the reporting creditors. 

Inadequate Response to Disputes : I have contacted the credit bureaus multiple times to dispute these inaccuracies, but my requests have gone unanswered or inadequately addressed. This lack of response violates my rights under the FCRA, specifically 15 U.S.C. 1681i, which requires credit bureaus to conduct a reasonable investigation upon receiving a dispute. 

Impact : These inaccuracies are causing significant harm to my credit score and making it difficult for me to obtain new credit. I am concerned that this situation will continue to affect my financial future if not addressed promptly. 

Desired Outcome : I am seeking the removal of the inaccurate charge-offs and collections from my credit report and require the issuance of the 1099-C forms for the accounts listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX {>= $1,000,000}. I have reached out to this company several times in reference to these accounts. XXXX  XXXX offered to put loan in deferment to investigate and will remove these accounts while they investigate. These accounts are fraudulent fed loan is now violating fair debt reporting act. please assist
Product: Credit card or prepaid card

I filed a fraud claim on XX/XX/2020, for 3  unauthorized charges : {$100.00}, {$280.00} and {$40.00}. I sent over the claim form filled out and signed on XX/XX/XXXX. I waited 10 business days to be told that my claim was denied. I gave them very detailed information regarding the unauthorized usage of my debit card on the claim documents. My wallet was stolen that contained my card. The perpetrator used my card at a convenience store and bank ATM. I can see where my pin number was attempted multiple times by the perpetrator before being successful ; however, AmericanExpServe supposedly has " proof '' that it isn't a valid claim. Unless they have actual video footage, their findings are unsubstantiated, unfounded, and carelessly investigated. I am appalled with their investigation process ; it's inadequate and inept. I called multiple times to try to obtain the " documents '' they used to determine the outcome of my claim, but there's an extensive wait ( 3 hours+! ). In fact, I have to write them in order to find out what was used, which was NOTHING that is plausible. Absolutely absurd. Aren't you suppose to mail it? They made up a reason to deny my claim, literally! Those " documents '' could've been e-mailed, along with their very poor excuse for denying my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and a fraudulent account appears on my credit files. I have reported this account to all necessary authorities and Experian and XXXX are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.
Product: Credit card or prepaid card

I opened this XXXX account XX/XX/XXXX. They are missing my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX statements. I have not missed a payment on this card and the majority of the time it is ; aid in full. I have requested multiple credit line increases and have been denied every time. My credit line is {$300.00}. On XX/XX/XXXX i received a letter stating that i would not receive an increase because a payment on this capital one account was recently returned i assume they are referring to my XXXX XXXX account that was shut down due to id theft. XXXX XXXX XXXX XXXXXX/XX/XXXX, i received a letter stating that i will not receive an increase because There are too many missed minimum payments in recent history Presence of a revolving account charged off by a lender Presence of an account that is seriously delinquent or derogatory There have been too many recent inquiries This is not true and how could this have possibly happened within one months time? They claim they are getting the report from XXXX yet my XXXX report does not show any of this. Why are the reasons getting worse as my credit is getting better? They tell me there is nothing they can do because a computer decides.
Product: Debt collection

i was a victim of identity theft and was currently incarcerated at the time the account was opened i have identity theft affidavit and my ftc report and my jail release form to confirm it so im demanding this item to be removed off my credit report or else i will file a lawsuit because this is complete nonsense.
Product: Credit card or prepaid card

HSBC is charging me a late fee for a credit card that had no balance and which I have not used for years. I called them one or two years ago asking to close the account, they said I should go to the branch to close it. I explained I could not go during the bank hours since I was working. I just wanted to close the account. Now I found out this affected my credit score. Further, I have a charge that I don't recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 credit bUreaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXXXXXX XXXX XXXXXXXX Balance : {$22000.00} ; XXXX XXXX  Inquiry Date XX/XX/2022
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX Balance : {$990.00} XXXX  XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX  XXXX XX/XX/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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi to whomever in concern, This is a goodwill request to remove the late payments from my credit reports and adjust them to " Paid as Agreed ''. I was late with my student loans through XXXX XXXX for the months of XXXX and XXXX of XXXX. In result, I have 90 day and 120 day late payments on my credit reports. I did receive proper notification of the late payments, but at this time I was completely unaware of the consequences. But today, I am completely different. I have not had a late payment not only students loans, but I have n't on ANYTHING in over 29 months. I have the receipts to show that I have not missed a student loan payment in over 2 years. And I never will again. If possible, please help remove these late payments from my credit reports from the three major credit bureaus, as they are stifling my scores. I have turned a new leaf, and hope to use my credit in the very near future to start a business on top of other things that require a high credit score. I can not achieve this with these derogatory marks holding me back. These were the LAST late payments I will EVER have on my credit reports. Please let me know what I can do, or if additional information is needed.
Product: Debt collection

I have been disputing collections on my tradsuoin account XXXX was removed from my report XXXXXXXX as a request that came directly from XXXX XXXX  yet they sent account to Jefferson capital system on XX/XX/year> at the same amount that was removed {$580.00} XXXX XXXX did the exact same thing the amount {$630.00} was removed by the original collector from my report via dispute.Then was sent to collections. 
both are currently open. collections I do not owe either and I do not own the accounts.
Product: Checking or savings account

I have been very disappointed with the responses on my fraud case. I have spoken to a couple of Wells Fargo case specialists with no result other than sorry you authorized the fraud we can not help you! ( I did not and I have provided them with proof that it was their authentication system that was used ) I have received calls from other specialists and when I try to call back mailboxes are full or I do not get a call back. ( my most recent complaint to them resulted in no calls back at my requested times, they did not try to call when I was available ) Then I get a letter in the mail stating that there is nothing that can be done. ( when I try to call back that specialist I get nothing ) I can not let this go. I lost near XXXX on XX/XX/2023 and have not been treated very fair as a customer. This has devastated my life. One specialist even admitted Wells Fargo should have more layers of protection yet the fraudsters win! They have not even offered me a small compensation for their lack of security on their systems. Please provide me time with someone who can actually work with me on this. I will continue to escalate this as long as it takes. I plan to continue to complain to bank and federal agencies and am preparing information for the local news as well. Thank you very much! XXXX XXXX
Product: Debt collection

I have previously settled an account with Midland Credit Management in 2014. Of note midland is not the original owner. After speaking with the original creditor it was agreed that the tradeline would be removed from all of my credit reports. I was instructed via letter from the original creditor " We initiated the process of removing the tradeline from your credit history. However, any derogatory reporting of this account by any other lender will need to be addressed directly with the other lender.If you need to provide evidence of the requested change prior to the credit reporting agencies ability to update please provide a copy of this letter '' I relayed this information to Midland Credit Management and they refused to remove their report from my credit reports. It should also be of note that despite the account being settled Midland Credit Management continues to list the account as open on my credit report. It is disheartening to know that an account that has already been deleted by the original creditor is still being reported by Midland Credit Management. 

Midland also is reporting inaccurately across all of the credit bureaus. Information with regards to date of first delinquency, date of account settlement, and status of the account. 

I submitted a complaint to the business consumer alliance. They have attempted XXXX to get into contact with Midland Credit Management. Midland credit refused to respond to the the complaint. The complaint ID is listed below as a point of reference. 
Complaint ID : XXXX
Product: Money transfer, virtual currency, or money service

on or about XXXX XXXX2 I was contacted thru a trustworthy platform. this individual proceeded in defrauding me of a large some of money. as he represented himself of an employee of a trusted bitcoin company. ftx. to be more percise. please refer to my attached letter for more information.
Product: Checking or savings account

Wells Fargo bank where I have had my small business account for a very long time cashed three large amount forged checks. Wells Fargo do not even have proper record of where they were cashed and by whom. It is very obvious when you look at the paid check copies that the are not real and one had something crossed off and not initialed which should have been a red flag. 
Wells Fargo refused to return our money for their mistake. Please help
Product: Credit reporting or other personal consumer reports

I am utterly appalled by the shocking and unjust refusal of my identity theft claims by your bureau, despite the fact that I have provided concrete evidence in the form of both an FTC and a police report. Let 's not mince words here : the fact that you have chosen to ignore my legitimate claims is not only infuriating but also an affront to justice. I have been victimized by identity theft, and the toll it has taken on my life, my financial stability, and my emotional well-being is immeasurable. I demand that you immediately rectify this grave injustice by acknowledging and thoroughly investigating my identity theft disputes. Your refusal to do so is not only a dereliction of duty but a blatant disregard for the suffering I have endured. These are the accounts that I need to be removed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
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 USC1681 Disputable hard inquires with : Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Date : XX/XX/ XXXX XXXX, XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX XX/XX/2022 a subsidiary of XXXX XXXX XXXX XXXX . 

I ONLY provided authorization to complete soft credit checks. Credit Check Authorization : A soft credit check allows us to watch for updates and changes to your credit score with all three bureaus WITHOUT impacting your scores in any way. Providing authorization allows us to monitor your scores through soft checks for the next 12 months or until your scores meet loan requirements. This also serves as authorization to complete soft checks for your co-borrower if you have on.

This hard inquiry 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. 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

My GM Financial account should not be showing any balance as my gap insurance covered this. I have a letter to prove this that has been uploaded. I am actually getting back a credit of {$1800.00} for my Vehicle Service Contract. There should be no balance reporting for GM. Please correct this on my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX {$2300.00} Have no information as I did not authorize this nor have a received anything from this company.
Product: Credit card

I found out today, XX/XX/2023 that my credit limit was decreased by 20 % for no good reason. 
I had not been in arrears. 
The old limit was not sufficient and strained cash flow for the small business. 
the limit occurred after I filed a CFPB complaint. 

There should not be retaliatory actions by this organization for filing complaints. 

I at times had thousands of dollars of credit balance for overpayment. 

When I told them I was recording the call where they said they can not find a reason for the decrease, the agent disconnected the call. I have federal and Georgia rights to record a call to which I am a party.
Product: Credit reporting

On XX/XX/2016 I sent a dispute letter to Equifax via certified mail regarding my XXXX XXXX account # XXXX. I received an Equifax signature confirming receipt of my letter. In my letter I disputed the accuracy of the delinquency reporting of this XXXX loan and requested that the account be removed from my credit report. I called Equifax on XX/XX/2016 to check the status of the dispute and Equifax informed me that they made a mistake and never submitted a request to XXXX XXXX to dispute the accuracy of the delinquency reporting. The Equifax system did not register the dispute properly and they only contacted XXXX XXXX to verify that the loan has been transferred to another lender ( this information was not part of my dispute ). Even though I submitted my dispute over 30 days ago Equifax will not remove the XXXX loan account from my credit report as requested. Instead they want another 30 days to contact XXXX loans, even though my dispute was properly submitted and Equifax confirmed receipt. In accordance with federal law, this account should be removed from my credit report since it has been 30 days from Equifax 's receipt of my dispute. If Equifax wants to correct their system error and follow up again with XXXX XXXX to submit the dispute properly that is their option, but that does not change the fact that in accordance with federal law Equifax had 30 days to investigate my dispute, they have not received information denying the facts that I stated in my dispute letter within that 30 day period and the credit report should now be changed to reflect the facts stated in my dispute. I can not wait another 30 days for them to get this right because I am in jeopardy of losing a house that I am trying to purchase because my credit report is inaccurate. I should not be penalized and suffer these consequences because Equifax did not handle their investigation properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed several late payments from XXXX XXXX. I reached out to the creditor to request a goodwill forgiveness.
Product: Credit reporting

I have a debt on my credit report with XXXX, which is past due over 180 days. This is the ONLY negative on my credit report. the item has been disputed on complaint # XXXX as I filed chapter XXXX bankruptcy in 2003 and all debts were included in that. My additional problem is this same debt was under the name of XXXX last year and removed, XXXX the year before and removed, XXXX the year before and removed and so on. When this debt is deemed uncollectible by the debt collector and this info is disseminated back to the loan holder, it is then sold to someone else for collection the next year. This has hurt my credit terribly cost me money in points and higher interest rates, and wasted my time and other, plus being a fraudulent practice on the part of the creditor, the reporting agencies and the collectors.