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

Subject : Immediate Removal of Inaccurate, Non-Compliant Account Entry - Violation of Consumer Rights and IRS Regulations Dear CFPB Representative, I am submitting a formal request for the immediate removal of an account entry from XXXX XXXX and XXXX XXXX  on my credit report due to multiple legal and procedural violations, inaccuracies, and non-compliance with both consumer and tax law requirements. 

Background and Violations : 1. Breach of Agreement and Wrongful Repossession : In XXXX, after an agreement was reached regarding the repayment terms on my vehicle loan with XXXX XXXX, the company wrongfully repossessed the vehicle in violation of our established terms. This action breached the Fair Credit Reporting Act ( FCRA ), which mandates accuracy and fairness in consumer credit reporting ( 15 U.S.C. 1681 ). 
2. Failure to Issue a 1099-C for Written-Off Debt : Following the repossession, XXXX XXXX claimed to have written off a remaining balance on the account as a loss. However, despite this claimed write-off, they failed to provide a Form 1099-C ( Cancellation of Debt ), which would have accurately reported the written-off amount as required by IRS regulations. This omission not only violates IRS guidelines but also subjects the credit report to inaccuracies under the FCRA, which mandates that reported information be verifiable, accurate, and up-to-date ( 15 U.S.C. 1681c ). 
3. Misrepresentation and Privacy Violation in Account Transfer to XXXX XXXX : XXXX XXXX then transferred the account to XXXX XXXX  without my authorization and with inaccurate information, which includes an incorrect account balance. Such transfers, conducted without explicit consumer permission, constitute an unfair invasion of my privacy under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c, which requires that debt collectors respect consumer privacy and handle debts accurately and transparently. 
4. Age of Debt and Reporting Violations : Given that the original account dates back to XXXX, and the repossession occurred in XXXX, the account is approaching the 7-year mark for reporting under the FCRA ( 15 U.S.C. 1681c ( a ) ( 4 ) ), beyond which it should no longer impact my credit profile. 

Request : Due to the significant inaccuracies, legal non-compliance, and procedural breaches related to this account, I request that the CFPB direct both XXXX XXXX and XXXX XXXX to remove all negative entries related to this account from my credit report. This removal request is based on : Violation of FCRA provisions for accuracy, timeliness, and verifiability. 
Failure to comply with IRS regulations in the issuance of a 1099-C. 
FDCPA privacy violations resulting from unauthorized account transfer. 

Please take immediate action to rectify these issues, remove this account from my credit report, and uphold the integrity of consumer rights and fair reporting practices.
Product: Credit reporting or other personal consumer reports

I've tried to resolve this issue with the company, these unverified/ fraudulent accounts do not belong to me. I have not received any legal proof or anything with my signature.
Product: Debt collection

XXXX and XXXX XXXX submit these letters of negotiation on several credit cards through the Consumer Financial Protection Bureau to show good faith to our creditors. We have gone through medical issues and job changes, and are now in a much better position to resolve our debt matters in an orderly manner. Accordingly, we submit these letters of negotiation as follows :
Product: Debt collection

A gentleman by the name of XXXX XXXX is calling me, my wife, my parents, my wife 's parent, and my friends and telling them I have a court judgement against me and that he was sending a law official over to issue a citation for arrest. He calls non-stop and provides this information. I called the courts and they do not have a number that he keeps giving and they do not have any record of him. Please help. I have kept a recording of what he says on my phone. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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: Credit reporting, credit repair services, or other personal consumer reports

Beginning XXXX 2016 until this date I have had an excessive amount of unannounced inquiries and accounts that I am not knowledgable of that continuously keep reporting to my credit report. I started disputing this when it was brought to my attention immediately starting with Equifax. I sent in certified letters, made several phone calls, spoke with supervisors, filed online disputes, and requested a freeze and fraud alert be placed on my credit report.
Product: Credit reporting or other personal consumer reports

This complaint is filed with the CFPB to request, pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), that you, Experian, promptly block the information appearing on my consumer credit report that is the result of identity theft and fraud within four ( 4 ) business days of receiving this request. 
The fraudulent, inaccurate, and false information includes the following accounts : * XXXX XXXX, account # XXXX * XXXX XXXX, account # XXXX These accounts have caused multiple fraudulent hard inquiries and collections to appear on my consumer FICO credit report. 
Supporting Documentation : * A list of the fraudulent hard inquiries in question * A copy of my consumer FICO credit report maintained by Experian showing the disputed items * A copy of my FTC Identity Theft Criminal Complaint I assert that I do not recognize or have knowledge of the aforementioned accounts, collections, or hard inquiries. They were neither opened, authorized, nor initiated by me and are the direct result of identity theft and fraud. 
Legal Support for My Request : 1. FCRA 605B : Requires credit reporting agencies to block fraudulent information within four business days upon receipt of : * Proof of identity theft ( e.g., FTC Identity Theft Report or police report ) * Identification of the disputed information * A statement from the consumer affirming the fraud.

2. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) : Mandates that consumer reporting agencies provide consumers with access to supporting documentation and information related to fraudulent accounts to assist in resolving identity theft disputes.

3. FCRA 611 ( 15 U.S.C. 1681i ) : Requires consumer reporting agencies to reinvestigate and delete or correct inaccurate, incomplete, or unverifiable information in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested deletion off credit and havent seen any to be removed
Product: Debt collection

Boost Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX //www.boostfinance.comXXXX   Boost Finance called me trying to collect money for an account that was opened as of Identity Theft. You will get a call from XXXX. The number you reach them at XXXX and the give you a claim number and state that you can pay them over the phone and that they would close out the account. Would not close out the account over the phone. Tried to serve me legal papers through a carrier. XXXX Male as I captured him on my XXXX  doorbell camera. XXXX was the person on the phone. Also associated with XXXX debt collector attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ACCOUNTS REPORITNG ON MY CREDIT REPROTS THAT I DID NOT OWN THEY WERE ADDED DURING A CYBER DATA BREACH I NEED ALL THE ACCOUNTS REMOVED FROM MY CREDIT REPORTS.
Product: Credit reporting or other personal consumer reports

Per the IRS, this account is canceled debt and its being reported on my credit as debt. I have requested a 1099-C form from this company to be furnished as this is ordinary income. I have not received this document. This report is inaccurate and is a violation of 15 USC 1681EB. I request immediate removal of this account to comply with the FCRA.
Product: Credit card or prepaid card

My legal name is XXXX XXXX. I was assaulted on both XX/XX/XXXX and XX/XX/XXXX because this company released my funds to a merchant. Do you Cashapp deny that the merchant these funds were released to had to be cancelled by the merchant because they were posted therefore released to the merchant? 
https : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. 
Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$440.00} written off. {$320.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX {$320.00} Balance Updated XX/XX/XXXX This information above is showing on my experian.com credit report and XXXX. 
I have paid in full this account with true accord the debt collection agency on XX/XX/XXXX in the amount of {$320.00}. I have received 4 letters from XXXX XXXX stateing my account has been paid off .i submitted the letter in pdf to all 3 bueros immediately and I disputed this with experian several times Every day for the past 30 days I get a RUDE response from an agent AT EXPERIAN.COM WHO JUST KEEPS GIVING ME THE SAME INACCURATE INFORMATION AND TELING ME TO DISPUTE AND THEN NOTHING HAPPENS DIFFERENTLY ONLY BEING TOLD that this is what possible is reporting to experian.com. I have paid off this balance. I also have witnessed backlash from fileing a dispute on experian.com then possible reported to XXXX and transunion bad debt comment on my accts after I have paid the account off more than 30 days ago now. I just want the inaccurate information fixed please and the balance to reflect zero balance since I have fulfilled my obligation. Possible finance has me blocked from logging in on the website and the phone number is only a recording. I have paid my obligation can you please change my credit report with experian.com to XXXX balance for possible finance XXXX XXXX XXXX. 
Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$440.00} written off. {$320.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$320.00} Balance Updated XX/XX/XXXX I paid off in XXXX, XXXX So the information showing on EXPERIANXXXXM AND XXXX IS INACCURATE INFORMATION.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 i send your company a dispute letter which its being completely ignored .By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. 

This is my last request ; I have also submitted a copy of this letter to the Federal Trade Commission, alerting them that I have signed receipts for letters delivered to you.
Product: Checking or savings account

This is now my third complaint being made through CFPB. The two previous complaints did not answer my concern. I opened an account online. I was in Pennsylvania a few days after opening my account and deposited a check. I never received my debit card and when I contacted BB & T I was told it was issued and used. So the claim was submitted, I filed a police report and identity theft form through the FDIC, sent in all information to BB & T. The funds were returned back to me however BB & T closed my accounts. Which Im 100 % okay with beings this is the most horrendous company Ive ever dealt with. I received a letter dated XXXX XXXX,2020 stating all of my accounts were closed. In the two previous responses to my CFPB complaints I was told again and again that my accounts were closed to visit a local branch to obtain my funds. Ive requested a check be sent several times and each time Im told I would have to go to a branch to receive my money. When I spoke with BB & T on XXXXXXXX XXXX,2020 the representative rudely told me I have no choice but to go to a branch and that there was a branch 11 miles from me. So today XXXX XXXX2020 I was able to borrow a few dollars from a friend to make this 11 mile trip. However when I look up the directions, theres no branch 11 miles from me coming up on BB & T website for branch locations. The closest one is 40 minutes away. Again I contact the centralized fraud department at XXXX. Again, Im spoke to like a piece of XXXX  criminal and told they werent the ones that told me it was 11 miles away and my only option is to go to a branch to retrieve my money from these closed accounts. So I contact the nearest branch in XXXX Pennsylvania at XXXX. She pulls up my account information and informs me that the two checking accounts that I received letters from bb & t informing me the accounts were closed and the 2 previous responses I received through CFPB complaints informing me that my accounts were closed, are actually not closed. They are blocked and it says unable to withdraw from these 2 accounts. Thank goodness I didnt travel there to be told this because I would be in jail right now. So BB & T has been lying in the letters sent and through the CFPB responses. Nor am I able to retrieve my money at a local branch like BB & T has told me several times I can. Ive done everything possible to get my money out of these accounts. BB & T refuses to give me my funds I deposited with them. Ill repeat again so I dont receive the same generic responses I got the past 2 times. I DO NOT CARE THAT THE ACCOUNTS ARE CLOSED. I DO NOT NEED TO BE TOLD THAT BB & T HAS THE RIGHT TO CLOSE ANY ACCOUNTS AT ANYTIME. I DO NOT WANT ANY OPEN ACCOUNTS WITH BB & T. I WANT A RESPONSE ADVISING ME THAT THE MONEY IN MY ACCOUNTS WILL BE SENT VIA CHECK THROUGH THE USPS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Received a letter stating that I was approved for a loan up to {$20000.00} for Debt Consolidation due to my recent improvement in my credit rating. I applied for {$14000.00}, My total debt! These CO 's will usually respond with a much lower amount with an ever higher interest rate, which is unusable! 
So my complaint is that they turned me down completely. Now, this might be because I stated my income as much lower than I have in the past depending on the site and in which questions they ask about rent/income sources. I thought that this site would ask me if I Rent vs paying my Mortgage, so if they do I go with the lower number and try to state ( if I can ) that I receive XXXX  XXXX which comes to XXXX XXXX/year. The problem always is, is that they ask you for your Income first, then if they do, they'll ask you about rent payments, etc. 
So my real complaint is ( and not just for myself now, but for others as well ) there really just 'Data collection Co 's '' who turn around and sell your personal information. 
Thank You for your Patience and Your Service and please Stay Safe! 
XXXX XXXX
Product: Credit reporting

XXXX XXXX XXXX account charged off in XXXX, in luieu of checking my credit report in XXXX XXXX I wrote each bureau to remove account because of statue which has been over 7 years, In turn XXXX and XXXX deleted it and blocked XXXX XXXX XXXX from being able to re enter information..But Transunion allowed the bank to create a different account number and put fradulant activity on the account as if it had been charged off in XXXX.I filed complaint with XXXX Then Transunion deleted the account then reinserted it, Transunion reinserted and delted the account several times, I spoke with a rep at transunion that said everytime they deleted it they allow the Bank to come right back and update it or re enter.I am still fighting this I wrote Transunion several letters and ask that when they delete XXXX XXXX XXXX block them from my credit reports just as XXXX and XXXX did.Transuinion has violted the FDCA a charge off account can not be updated or reaged after 7 years..Transunion has deleted XXXX XXXX XXXX several times and reinserted because they allowes the Bank to do this what kind of sense does this make..I am humilated, my name and character has been defamed by Transunion and my rights of been violated
Product: Mortgage

XXXX ( Equity Prime Mortgage ) mortgage transfered. Imposed higher monthly payments of {$1200.00} from original contract payments of {$980.00}. XXXX notified me in XX/XX/XXXX. That they made an error of not posting escrow funds ( monies ) therefore, my monthly payments increase to {$1200.00} ( a {$200.00} ) monthly increase now after they transfered my Mortgage to XXXXXXXX XXXX on late XX/XX/XXXX. I have made the {$1.00} XXXX payment already. But want to dispute why XXXX did not inform me way in advance that my payments were going to increase, and why their transfered letter stated no changes in the transfered to XXXX XXXX. I'm very displeased with this situation.
Product: Credit card

Hello this company has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. BRANCH B & T XXXX
Product: Student loan

Discover Bank sent me a {$75.00} check as part of the settlement they reached regarding student loans. I deposited the check into my bank account electronically only to learn that Discover Bank had stopped payment on the check they sent me. I incurred a {$5.00} returned item fee due to a check that Discover Bank either ( 1 ) made in bad faith, or ( 2 ) should not have sent me in the first place.
Product: Mortgage

On XXXX XXXX Veterans United Home Loans of Texas didn't approve my VA Loan for a mortgage and home purchase. 
My credit was pulled without my written consent and now my credit scores took a downfall because of recent unauthorized credit pulled on my XXXX, XXXX and XXXX. 
I was Declined or Denied because of Lifetime XXXX and my National XXXX XXXX XXXX XXXX. 
I have applied for a VA Loan in XXXX  and I was declined and Denied and Veterans United Home Loans saved my social security and private information on their data and shared my information with other companies. 
I am XXXX Lifetime and a XXXX XXXX XXXX XXXX Veteran.I have explained XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that I was able and there should be a accommondations on my XXXX XXXX XXXX XXXX XXXX Department of Justice. 
Both of them didn't respond on my XXXX XXXX as Veterans United has a copy of my California Drivers License and My Lifetime XXXX information and documents from around XX/XX/2019 till Present. 

I respectfully didn't sign no authorization to pull my credit and I didn't authorize verbally neither.
Product: Mortgage

In 2013 we declared chapter XXXX bankruptcy Bank of America held our mortgage but we never bankrupted our home or autos and they show that we bankrupted them. They have been contacted and they say they are correct and will not remove it from my credit report. This has cost me untold monies for higher interest rates on cars and refinancing my home. You may call my bankruptcy attorney, XXXX XXXX in XXXX XXXX By the way, I'm still in the home.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I want to address the below that the Credit Bureaus are not doing their job!

Section 611 ( a ) ( 6 ) ( B ) ( iii ) Provision of Dispute Results to Consumer : - After completing an investigation, credit bureaus must provide the consumer with a written notice of the results, including a revised credit report if any changes were made. Additionally, they must provide a description of the procedure used to determine the accuracy and completeness of the disputed information if requested by the consumer. 

Several disputes have been sent to XXXX, Transunion and XXXX and they do not respond whatsoever and it's getting out of hand. Can they respond to my dispute request today? 

See attached disputes mailed out and I have mailed them out again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all three bureaus XXXX, Equifax and XXXX  XX/XX/20 regarding incorrect personal information my name, address and place of employment was wrong I provided them a copy of the drivers license, social security card, and a utility bill for my current address. Nothing changed on my report. I followed up with a second letter XX/XX/20 providing the same information along with a notarized statement I received an updated copy of my bureau 's all of which still reflect incorrect names, addresses, as well as old employers that I have not worked for in over 8 years.
Product: Payday loan, title loan, or personal loan

XXXX ) We purchased a sofa from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX ) Total bill amount was XXXX XXXXXXXX. We were offered interest free loan to finance this. So we took the interest free loan of {$3500.00} to finance this purchase at the store. This was explained to us by the XXXX XXXX XXXX XXXX ) We continued paying the monthly installments as per the bill. In XX/XX/XXXX bill we noticed there is a charge of XXXX XXXXXXXX. WE called the XXXX XXXX. We were told this is for mattress that we recently purchased and than returned at the store same day. They cancelled this purchased and have informed the lender ( TD Bank ) to refund this amount of {$810.00}. It will take XXXX payment cycles ( By XX/XX/XXXX ) to appear as credit in monthly bill XXXX ) In XXXX we noticed this amount has not been reversed. We called XXXX XXXX. They now asked to reach lender TD Bank ( Contact Number : XXXX ). TD Bank told us that XXXX XXXX interest was only for XXXX XXXX after that XXXX XXXX interest rate. This we were not informed when we took the financing for the furniture. Secondly {$810.00} is interest @ XXXX XXXX on principal loan amount as on XX/XX/XXXX. Basically what we were told that as we have not fully paid the loan in XXXXXXXX XXXX ( promotion year ), they are charging interest at XXXX XXXX on loan outstanding in the XXXX XXXX finally they will now continue charging XXXX XXXX interest rate per annum on outstanding loan XXXX ) TD Bank representative were very rude and did not listen that we were not told that interest free is only XXXX XXXX and if we don't pay off the loan fully in first year they will charge XXXX XXXX on loan outstanding in XXXX XXXX and there after. 
XXXX ) We made a purchase /finance of {$3500.00} and in last last XXXX XXXX ( XX/XX/XXXX to XX/XX/XXXX ) we paid interest of XXXX XXXXXXXX XXXX ) We humbly request for waiver of this interest amount of {$1200.00}. This financing / product was misrepresented by XXXX XXXXXXXX XXXX. They never disclose that XXXX XXXX interest is only XXXXXXXX XXXX  and after that it XXXX XXXX and you also pay XXXX XXXX on XXXXXXXX XXXX outstanding loan, if the loan amount is not fully paid in XXXX XXXX  Kindly help us. 
Regards, XXXX XXXX