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

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Texas XXXX XXXX XXXX XX/XX/XXXX Subject : Formal Dispute of Inaccurate Repossession Reporting and Creditor Name Discrepancy Violation of FCRA and IRS Regulations To Whom It May Concern, I am disputing inaccurate and misleading information on my credit report regarding the following account : Creditor Name on Credit Report : XXXX Creditor Name on XXXX : MEI AUTO FINANCE INC XXXX 
Account Number : XXXX XXXX Issued Date : XXXX Errors in Reporting False Reporting of a Repossession : This account was canceled in XXXX, as evidenced by the 1099-C issued by MEI AUTO FINANCE INC. Per IRS regulations, a creditor can not continue to report or collect on a canceled debt, making this repossession fraudulent and unlawful under 15 U.S.C. 1681s-2 ( b ) of the FCRA.

Creditor Name Discrepancy Misrepresentation of Debt Ownership : My credit report lists XXXX as the creditor, while my 1099-C was issued by MEI AUTO FINANCE INC XXXX 
Under FCRA 15 U.S.C. 1681s-2 ( b ), furnishers must report accurate and consistent information.

If the account was transferred or sold, the original creditor should no longer be reporting it.

This discrepancy raises serious concerns about the validity of this reporting, and I demand immediate verification of the true creditor. 
Illegal Re-Aging or Double Reporting of Debt : If both entities ( XXXX and MEI AUTO FINANCE INC. ) are reporting this debt separately, it may constitute double reporting and could be an attempt to re-age the debt illegally under 15 U.S.C. 1681c ( a ) ( 4 ).

Violation of the IRS Debt Cancellation Rule : A 1099-C legally cancels a debt for tax purposes. If the debt was canceled in XXXX reporting a repossession afterward is a clear violation of both FCRA and IRS regulations.

Demand for Immediate Action Under 15 U.S.C. 1681i, I demand that you : Immediately remove this incorrect repossession from my credit report. 
Remove any duplicate or conflicting reporting under different creditor names. 
Provide written confirmation of the deletion, along with an updated copy of my credit report reflecting the removal. 
Disclose the name and contact information of the creditor ( data furnisher ) providing this false information. 
Legal Consequences for Non-Compliance If this matter is not resolved immediately, I will escalate this issue by : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
Reporting this matter to the IRS, as the creditors actions may violate tax regulations regarding debt cancellation. 
Pursuing legal action under the FCRA for damages, statutory fines, and attorney fees due to misrepresentation and harm caused by inaccurate reporting. 
I expect full compliance with federal law and a prompt resolution of this dispute. Please confirm receipt of this letter and provide a timely response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to State Collection Service for 2 medical bills. State Collection Service first sent me a letter requesting all of my personal  information ( account number, name, address, phone number ), before I could respond to the letter, they ( State Collection Service ) sent me another letter with attachments of all medical procedures that were done at the facility. State Collection Service should not have access to the medical records or medical procedures, this is a violation of HIPAA and my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the improper use of my credit report prior. And even have submit the report showing my identity being stolen/compromised. 


XXXX. XXXX XXXXXXXX XXXX XXXX ( Finance ) - XX/XX/202XXXX XXXX XXXX XXXX XXXX  ( Finance ) - XX/XX/2023 XXXX. XXXX ( Finance ) - XX/XX/2023 XXXX. XXXX XXXX ( Finance ) - XX/XX/2023 XXXX. XXXX XXXX XXXX ( Finance ) - XX/XX/2023 XXXX. XXXX XXXX ( Bank ) - XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX is reporting an account to my report that I do not owe. I never received my 30 day notice for this debt and as soon as I saw it was on my credit report I paid it. They are still reporting a balance and I need it removed immediately as it is paid and in violation of my 30 day right to dispute.
Product: Debt collection

They call me days upon days, weekends and nights mornings. It doesnt matter they call me all the time. I want you to tell them to cease to desist
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX AND XXXX HAS SOME ACCOUNTS ON MY CREDIT REPORTS THAT ARE NOT MINE/ INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax currently is reporting an account which is "   XXXX   '' or " Company unknown '' on my credit report as open and pays as agreed. This account belongs to "   XXXX   '' and it is included in bankruptcy and has been since  XXXX / XXXX /2013. However, the account says I am 120 days plus past due.
Product: Checking or savings account

my name is XXXX XXXX. I encountered a phishing scam. I was scammed out of {$38000.00}. What happened is that I received an order email from XXXX on XX/XX/XXXX. It showed my card number and order number, telling me that I purchased an XXXX. After that, I called the customer service number and they told me that it was a mistake. For order refund requirements, they directed me to a website to fill in my personal information to obtain a refund. I was asked to enter my account routing debit number. A few days later, a phone number claiming to be Bank of America called me. They told me I couldn't get a refund because there was an issue with my account and they needed authorization to verify my personal information. I then followed their steps and implemented them. A few days later, my phone was attacked inexplicably and could not be used normally. I sent my phone to a repair shop. When I got my phone back a few days later I checked my bank. I found out that my money had been transferred to someone I didn't know at all. And there is an unknown phone number on my account. I immediately informed Bank of America at XXXX firist. They informed me that I would need to wait XXXX business days for my money back. But still no news. This money is extremely important to me because it is what I put in the bank to pay for my tuition and medical bills. I don't know how I can continue to live. It hit me so hard. I had absolutely no authority and permission for this transaction but it happened. I believe I have fraud liability protection. Hopefully I can get my money back and live a normal life which is so important to me. God bless
Product: Credit reporting, credit repair services, or other personal consumer reports

Two accounts showing from AmEx appear on my credit report. I have NEVER had an account with American Express other than a Bluebird Prepaid Card. In fact, I have attempted to get a card with them for many years and have always been denied. 

I have spoken with Customer Care multiple times and been assured that since these accounts were a result of identity theft, I would not be responsible, yet still show these on my credit report / get copies of the balances due in my email. 

These notices continue to say " FINAL REMINDER '' yet... they continue. I've been getting final reminders for several years now. All on a balance that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I noticed the following issues with these accounts on my credit report : Account Name : XXXX XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Can you delete this ASAP and send me and update. 
I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks. 
XXXX XXXX
Product: Checking or savings account

I have never opened bank accounts with these institutions. I am requesting the accounts to be DELETED from my XXXX XXXXXXXX XXXX report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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

On XX/XX/year>, the amount of {$920.00} has been reporting as **charged off I never received a 1099c form from this creditor The company is 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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I requested that Equifax to reinvestigate these accounts : Equifax - XXXX XXXXXXXX Date of inquiry : XX/XX/2023XXXX XXXX XXXX XXXX  Acct : XXXX XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX. However, the response I received back was that everything was complete and accurate. How is that possible if the open date, date of last activity and several other contributing factors are incorrect. 

According to 15 USC 1681i ( 5 ) the credit bureaus are to modify accounts that are not reporting correctly.

15 USC 1681 section 602A. States I have a right to privacy.

15 USC 1681 section 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items information any other item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 USC 1681s_2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe the information is incorrect.

Not compliant with Metro 2 credit reporting.
Product: Credit card

This company promotes assistance with credit reporting to assist consumer with improving overall credit score. However, my account with this company has been open well over a year and they have yet to deliver the service. I have attempted multiple times to request to cancel the subscription and they continue taking the monthly fee of {$8.00} from my checking account for a service they are not providing. It has never once been reported to the credit bureaus, the service I paid for. This company obviously is a fraud and WILL not comply with consumers request to cancel. They also said if I cancel, it would impact my consumer credit report.
Product: Checking or savings account

3 withdrawals from my checking using my ATM card we're not me and Chase says they will not pay because it was from an ATM. From what I understand they must pay. 

These are the transactions : XX/XX/XXXX {$400.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$160.00} I contacted the bank on the XX/XX/XXXX. They sent a letter saying they don't pay a day later. ( Note Chase did not get my complaint right and left off {$160.00} on XX/XX/XXXX.
Product: Debt collection

LJ ROSS ASSOCIATES have ruined my credit by falsely adding a collection account that is NOT mine. 

I don't have an account with LJROSS. I have never had a contract or financial obligation towards XXXX XXXX. They are trying to collect money that it NOT owed. 

I need the collection removed from all my 3 Credit Reports. 

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

I obtained a copy of my credit report and found that two companies were incorrectly reporting me as being delinquent on accounts that have already been paid off. I wrote both companies detailed letters addressing these errors and asked them to correct them. Company # 1 made the necessary corrections. Company # 2 has refused to correct the errors stating, " Based on the research, we have determined the account is being reported accurately to the consumer reporting agencies and will continue to be reported in the current manner. '' I have written several letters to Company # 2, made multiple phone calls, and even contacted the XXXX XXXX XXXX, yet nothing has changed. Their refusal to correct this error is unjustly and negatively affecting my credit report and credit scores.
Product: Debt collection

This debt is not owed. Don't know this company and have not done business with this company.
Product: Credit reporting or other personal consumer reports

My name XXXX XXXX XXXX. I have no association or knowledge of who this person is or where this name came from. The information is not mine and is not related to me. 

Name reflects on credit as XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I file a re investigation with transunion about identity fraud on my consumer report XXXX XXXX XXXX 
I have not been provided any documents proving accounts were mine. 
All that is stated is these accounts have been verified. I've been dealing with this issue for 2 years and no remedies. I am a victim of a data breach and my identity was brought online and use for fraudulent accounts
Product: Checking or savings account

On or about XX/XX/2022 I received an email from TD bank thanking me for opening and account. At first I didn't open the email, until I got a follow up email informing me that my email address had changed. I then called XXXX bank inquiring about the said account. I informed them that I never opened an account, they instructed me to report the matter to the police, credit bureau and check my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX, XXXXXXXX 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 XXXXXXXX ) has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquiries on my personal credit. 
Some duplicates are from car dealers that I did not give them permission to check my credit. 

EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX 2023
Product: Debt collection

Company : XXXX XXXX XXXX XXXX Open Date : XXXX, Amount : XXXX Account Number : XXXX Payment Status : Charge-Off / PAID CHARGE-OFF I am requesting the 1099 form from XXXX XXXX XXXX XXXX  and I requesting the Original Consumer Contract with my signature on it. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Section 611 ( 5 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone could fax, mail, or email in fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) and a copy of the 1099 form from the account listed above. Under the FCRA, unverified accounts must be removed. 

Promptly DELETE all information if you are unable to provide me a copy of my request.
Product: Credit reporting or other personal consumer reports

Despite repeated attempts to address this matter, it has come to my attention that your bureau has failed to take the necessary actions to rectify this situation promptly. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have provided you with detailed information and documentation establishing the fraudulent nature of these accounts, as well as my status as an identity theft victim. Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to conduct a thorough investigation and ensure the accuracy of the information reported on my credit file.My patience has worn thin due to the ongoing presence of these fraudulent accounts, which continue to undermine my ability to access credit and financial services. The time for resolution is long overdue, and Remove all fraudulent accounts and associated inaccurate information from my credit report without further delay. Provide me with a corrected and accurate credit report, reflecting the removal of the fraudulent accounts, within the time frame mandated by federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided Target Credit and XXXX XXXX ( x 2 accounts ) with proof that I have been working outside of the USA for over 14 years. I never applied for these three cards, and they do not belong to me. I have tried everything to have this removed. It is causing a problem with my security clearance. 

Also XXXX, This was not mine also
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I applied for a XXXX card because credit karma said I was approved and I sadly was denied. I would like to join the lawsuit because it is wrong and misleading. XXXXam an honest working mother trying to build my credit to buy a home and it took points and 2 to 3 years to have it removed
Product: Credit card or prepaid card

I'm writting to dispute an unauthorized charge for the amount of {$1000.00} was apparently charged to my Chase credit card account as of XX/XX/2018. I am requesting that the error is corrected, that any finance of the amount to be credited to my account. I have contacted to the original merchant XXXX in regard of this unauthorized charges, and have come to an agreement to have the authorized charge to be resolved.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my concern and dissatisfaction regarding the late opening of account. I have been a loyal customer of your organization and have always appreciated the quality of services you provide. However, I have recently encountered an issue that I believe requires immediate attention and resolution. 

I initiated the process of opening account with your company. I followed all the necessary procedures and submitted the required documentation promptly to ensure a smooth and timely account activation. However, despite my efforts, account have experienced significant delays in being opened, which has resulted in various inconveniences for me, including [ mention specific inconveniences, such as delayed access to services. 

I understand that administrative processes can sometimes be complex, but the prolonged delay in opening this account has caused undue frustration and inconvenience. It is imperative that these issues be resolved promptly to maintain the trust and confidence I have placed in your company. 

I kindly request that you take the following actions to address this matter : Expedite the account activation process and ensure that both accounts are opened without further delay. 

If there are any additional documents or information required from my end, please communicate these requirements clearly and promptly. 

Ensure that appropriate measures are put in place to prevent such delays from occurring in the future, as timely service is essential for maintaining a strong customer-business relationship. 

I kindly request a response to this letter within the exact timeframe from the date of receipt. Failure to do so may compel me to explore alternative courses of action to resolve this issue. 

I value the business relationship I have with Credit Bureaus and hope that we can work together to rectify this situation promptly. I am confident that your prompt attention to this matter will help ensure our continued positive relationship. I am asking for your assistance to correct the account in my credit file : XXXX XXXX XXXX XXXX Balance : {$75000.00}.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item XXXX XXXX Opened XX/XX/year> -Balance {$6500.00}. Please remove item from all three credit bureaus in accordance with the Fair Credit Reporting Act I hereby request that you investigate this account and remove from my reports. I understand that you are required to verify this account with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that all three credit reporting agency block account.
Product: Debt collection

They are calling my family and friends over and over again ( information I never gave them ), and continue to do so after I asked them not to contact them.
Product: Checking or savings account

The froze my account, sent me an email and said we did this for your protection ; they have failed to address the problem that occurred in all departments and told me to wait for an email. Its been more than 48 hours no one has called or emailed me. The have many of the same complaints : XXXX XXXX XXXX XXXX XXXX XXXXXXXX