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

I am filing this complaint regarding inaccurate and improper reporting of charged-off accounts on my credit report by Experian. These accounts were reported as charge-offs by the respective creditors, and based on IRS regulations XXXX the creditors likely issued a 1099-C Cancellation of Debt form. 

Details of the Issue : Several creditors, including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXXXXXX XXXX, reported accounts as charged off and continued to reflect them as outstanding balances on my credit report. 
The IRS considers canceled debt as income, and per IRS Publication 4681, once a 1099-C is issued, the debt is no longer legally enforceable.

Experian is inaccurately reporting these charged-off accounts as past due debts, despite the fact that a 1099-C form converts them into income, which should not appear on a credit report per the Fair Credit Reporting Act ( FCRA ) and FTC guidance. 
I disputed these accounts with Experian on multiple occasions, requesting deletion due to the issuance of 1099-C forms and the misrepresentation of these accounts on my report. However, Experian failed to remove the accounts, violating FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers of information to report only accurate information. 
These errors have caused significant financial harm, including denials of credit, higher interest rates, and reputational damage. 
Key Violations : Failure to remove inaccurate charge-off accounts after debt cancellation ( IRS 1099-C ) FCRA violation Reporting inaccurate and misleading information Failure to conduct a reasonable reinvestigation under FCRA 15 U.S.C. 1681i Requested Resolution : I demand that Experian immediately delete all charged-off accounts that have been reported as canceled debt under 1099-C filings and ensure compliance with FCRA regulations. If the company fails to act, I request regulatory intervention and enforcement. 

This matter requires urgent resolution as it directly impacts my financial well-being.
Product: Debt collection

Thank you for your recent contact dated : XX/XX/2019. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts from my credit report. They are affecting my ability to obtain credit. 




tHE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY. 
15U.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 1681 C. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE TEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 

15 U.S.C 1681 S-2 ( A ) ( a ) 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

I submitted a complaint against factual data, XXXX, and Credit technologies using CFPB case number XXXX. 

It has been over 30 days. Factual data sent documentation that they are removing their inquiries but they are still on my credit report. XXXX and Credit technologies have not responded, according to the law they have to remove this from my credit report. They have not validated the inquiry.
Product: Debt collection

I was told by XXXX XXXX that the debt had been turned over to the collection agency. I called The Bureaus Inc Collection Agency in early XXXX to settle the account for {$700.00}. The gentlemen at the collection told me he would contact his customer and call me back. After no response I called the Bureaus on XX/XX/XXXX and XXXX offered to settle it for only 10 % of the XXXX to {$1200.00}. According to her this is the lowest settlement prorameter. Then she offered {$1100.00}. I asked to speak with a supervisor who was extra rude and told me {$1200.00} and that the rep did not have artozation to lower it. I told her I was aware of the law and that she could go lower. She told me it doesnt matter how many time I call its not going to be any lower. On XX/XX/XXXX I received a call again from the collection agency first she asked me to verify my DOB but I refused because she did not identify who she was or where she was calling from. So she said the last four of my SS # and asked me to verify it was correct. She then offered me a 10 % settlement, I asked her about my previous call for the lower settlement amount she then told me their client agreed to {$840.00} which is difference from the 10 % she offered at the begin of the conversation. I again offered them {$700.00}, she replied i will check with the customer but {$700.00} maybe lowest and it must be paid by end of month.
Product: Credit reporting or other personal consumer reports

After thoroughly checking my credit reports, I spotted some inaccurate Public record that need reporting and correction through your company. 

I have attached the copy of my dispute letters that were sent it to the Bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ( XXXX ) XXXX This has been marked as open fraudulently multiple times. 



I request that you investigate these items and correct or remove the inaccurate information from my credit report as required by law. Enclosed are copies of documents supporting my position, including [ list any documents you are including, such as payment receipts, letters from creditors, etc. ] .Please conduct the investigation and notify me of the results. According to the FCRA, you are required to complete your investigation within 30 days of receiving this letter.Thank you for your prompt attention to this matter. I look forward to your response.Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Recording Act XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX has Violated my rights Via XXXX XXXX XXXX. 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 also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX, XXXX Never informed me of my right to exercise my nondisclosure option. This account Shows on my credit report as a Charge off and Per the IRS Publication 4681 States, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return '' I have attempted to get this off of my credit report can you help me
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in response to a recent complaint that was filed. Please reference complaint number XXXX. Experian has stated that the information was verified with a furnisher/vendor company. This is an incomplete investigation. I do have paperwork from XXXX XXXX and the Bankruptcy Federal court that proves no bankruptcy information has been released to anyone. The information on my credit report is still inaccurate. Please note : XXXX coding is not a reasonable means of re-investigation. Please reference the established case laws XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX. 

I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. I am formally requesting the description of the procedures used to determine the accuracy and completeness of the disputed information, including : * the business name * the full name of the individual whom you spoke with * the full business address * and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ).

Negligence or willful disobedience to this request will prompt my immediate pursuit of legal remedies protecting my consumer rights including up to {$1000.00} in damages per account. I look forward to an expedient resolution of this matter. Thank you.
Product: Debt collection

I called American Medical Collection Agency  ( AMCA )  to dispute the amount they were reporting to the credit bureau {$140.00} and the female agent verified all my information and disconnected the call. I received a bill for the amount of {$250.00} but reported {$140.00}. The bill shows  XXXX  separate dates of service over a period of two years (  XXXX  ) added together. This debt is in violation of my rights because I was not sent a bill with the appropriate amount. Taking and adding bills from separate past dates together is a violation. I want my this removed from my credit. I want to receive an accurate bill with the amount that I owe.
Product: Credit reporting or other personal consumer reports

Now comes Consumer with a Complaint against all 3 Major ( CRA ). First of all, Consumers data was leaked in the 2017 Equifax data breach. Equifax never notified consumer of such actions. Consumers has proof that all 3 ( CRA ) has failed to correct information in his Credit report. I am submitting this complaint to report unfair and deceptive practices in credit reporting in violation of 15 U.S.C. 1666. this complaint is towards all 3 CRA . The ( CRA ) 's related to my credit report. The CRA has failed to : Provide accurate and complete information in my credit report. Conduct a reasonable reinvestigation of disputed information correct or delete inaccurate information provide clear and conspicuous disclosures of my rights. these violations have caused me harm and constitute unfair and deceptive practices in credit reporting as prohibited by 15 U S C 1666.I request that the CFPB take appropriate action to : Investigate this dispute/Complaint hold the CRA accountable for their violations Require the CRA 's to correct my credit report and provide a copy to me take measures to prevent future violations. Please acknowledge receipt of this dispute/Complaint and provide a reference number. I appreciate your attention to this matter and look forward to your response.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute and request the removal of unauthorized hard inquiries listed on my credit report. These inquiries were made without my consent or authorization, and I have not applied for any credit or services associated with these inquiries. The unauthorized inquiries negatively impact my credit score and financial well-being. 

Here are the details of the unauthorized hard inquiries : I have not initiated any financial transactions or applications with the aforementioned creditor/company on the date mentioned. Therefore, I request a immediate removal from my credit report. 

Enclosed with this letter are copies of supporting documents that demonstrate that I did not initiate these inquiries. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. I believe that the inclusion of these unauthorized inquiries violates my rights under the FCRA. 

Please consider this letter as a formal dispute under the FCRA. I appreciate your prompt attention to this matter. 

Thank you for your cooperation in resolving this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Credit Bureau dispute Resolution XXXX, IA XXXX I never applied to this company This is an invalid inquiry on my credit report inaccurate and unauthorized.
Product: Credit reporting

Problem is with Experian Reporting of account status. 
Received a judgement ( Attachment A ) for an account with XXXX XXXX and the judgement was paid in full, satisfied in XXXX, XXXX, filed as such in XXXX, XXXX. 
The paid judgement is shown by Experian in XXXX/XXXX/XXXX report ( Attachment B ). 
XXXX repeatedly has told me they have reported nothing on the account since XXXX, XXXX, when it was charged off. 
In XXXX XXXX, Experian shows a " failed to pay '' in the payment history for the account. My FICO score dropped about XXXX points. I disputed this as an error in XXXX XXXX. The result was an additional " failed to pay '' as of XXXX XXXX. Again, I lost XXXX points on my FICO score for a late payment. 
I called Experian and asked how a dispute could do additional harm to my credit, how disputing an error, leads to an additional error, further damaging my credit. I was told, " that happens sometimes. " In summary, this is an account that was adjudged, satisfied in full, and closed out in XXXX, XXXX. There is nothing left to pay. If I did send more money, sound accounting would require XXXX to refund it! Yet, I am XXXX accused of late payments by Experian, which XXXX denies reporting. 
I asked an Experian representative about requesting a Method of Verification, but was told the source would be XXXX. 
In our system, our lives are significantly impacted by our credit. Like many Americans, I was devastated by the housing crisis and recession, and my credit was damaged. I have made restitution and/or settled with my creditors as proscribed by law. Experian appears to take there responsibility lightly, as they reject logic, and punish consumers for disputing their errors. This account is paid and charged off, and I can not possibly have a late payment two years later. 
XXXX denies reporting anything, and I can not dispute it, for fear of doing myself further damage. It appears that having performed equitably within the system, I am wrongly held back from trying to recover my credit status. The system is not working, so I turn to this agency to please help me.
Product: Credit reporting or other personal consumer reports

The deletion or blocking of accounts resulting from a data breach and unauthorized inquiries is governed by FCRA Section 605B, specifically addressing the blockage of information arising from fraud or data breaches [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities. 
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 or other personal consumer reports

XXXX XXXX XXXX XXXX are moving slow on an XXXX XXXX XXXX XXXX when he started XX/XX/XXXX he said I must go to the bank to find out did he cash the checks. I told him that is what XXXX  employees told me and to make police report XXXX and on last Friday he said he still looking to find out did he cash them XXXX checks. 

On XX/XX/XXXX at XXXX for XXXX minutes I spoke XXXX XXXX and he said This guy XXXX XXXX XXXX lying saying XXXX XXXX has clear title and is no clear title in the file and have a loan XXXX attached to your loan for XXXX to XXXX XXXX XXXX. I am also effected by XXXX XXXX data breach by XXXX XXXX around XX/XX/XXXX. 

XXXX XXXX XXXX XXXX  are all aware of my ownership on XX/XX/XXXX as XXXX XXXX XXXX and will all in XXXX  executive office are lying saying there were a foreclosure in XXXX is a lie. Also ref. XXXX answer to his inquiry by corrupt attorney XXXX XXXX XXXX XXXX on XX/XX/XXXX, WE WILL BE ABLE TO RESPOND TO YOUR INQUIRIES, IN FULL, IF XXXX XXXX XXXX XXXX XXXX CALLS US XXXX XXXX TO PROVIDE VERBAL AUTHORIZATION. 

On XX/XX/XXXX I spoke to XXXX  checking investigator XXXX and he said he found XXXX XXXX under that fake SSN number XXXX and XXXX XXXX cashed yo
Product: Checking or savings account

I set up a new instant payment recipient and the bank locked my account. I called, but they said they had to send me a passcode via text. My phone doesn't accept text messages, so they said I have to go to a branch with TWO forms of ID. I don't have two forms of ID, and going to a branch is very inconvenient. They stupidly and arbitrarily took away my access to my own money.
Product: Checking or savings account

On XX/XX/XXXX I went to Chase after in prior days attempting to open an account on-line and was notified I had already had an account in existence. I called the phone first and spoke to someone in customer service before going to the branch. I was notified what was needed and what I needed to do in order to proceed with account opening at the branch. While at the branch, the first banker that offered to assist was apprehensive and hesitant in assisting me. After requesting my identification and social security card she told me she would be back and that she needed to make a copy of it. I obliged but she proceeded anyway. Upon her return from scanning/copying she informed me that she would not be able to open my account because a business was utilizing my social security number as their EIN. After presenting my  identification I was confused. I told her that I did not authorize that business to use my social security number as their EIN. She insisted that if she opened my personal checking, the bank would automatically link the unauthorized business account and my personal account together. She did not proceed to assist me, instead sat there arguing the indisputable facts with me. She told other bankers not to assist me since she couldnt. Her professionalism was very poor.
Product: Credit reporting or other personal consumer reports

No current information can be seen when i or a lender pulls my report it is showing no current information about me or my credit history
Product: Debt collection

A male individual uses a number of different phone numbers, including : 1. ( XXXX ) XXXX ; 2. ( XXXX ) XXXX 3. ( XXXX ) XXXX ; to contact me back to back to back about alleged debt. He threatens to show up at my doorstep, demands my social security number and date of birth. He says I owe money and that he will email me. He sends no email but continues to use different phone numbers to harass me, even after I told him to stop calling me.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Trans Union XXXX XXXX, and XXXX have 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 or 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 data is inaccurate.