23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( Transunion ) credit report. I recently retrieved my credit report and it showed ( 53 ) credit inquiries that I have no knowledge of ever authorizing. 
I am writing to dispute the following inquiries and asking for their removal from my credit report.Transunion has not responed to any of my letters.By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this investigation within 30 days of receipt of my letters. 

Thank you for your time and help in this matter. 

XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXI Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX. XXXX Date of inquiry : XX/XX/XXXX. XXXX  XXXX Date of inquiry : XX/XX/XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681 a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agencies ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screen shot from the IRS website. By definition, the IRS clearly says a cancelled debt or charge off is income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX for the cancelled debt of { { {$5100.00} } } in order to file as ordinary income. Where is my 1099-C XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$5100.00} }. This is unsatisfactory! XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and XXXX is not affiliate of XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in Federal Law. I have the right to privacy and per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization. I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have written, non written, verbal and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681 s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, in accurate. XXXX must also refund the remaining balance of the consumer account upon its termination. This is your 7 day notice to return ALL money due from this consumer account.
Product: Credit reporting or other personal consumer reports

Someone who probably has my personal information applied to get credit cards causing inquires on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 a Account without my WRITTEN CONSENT/INSTRUCTIONS.

ALL ACCOUNT NUMBERS LISTED BELOW Has violated my rights for furnishing IDENTITY THEFT to UNAFFILIATED 3rd party consumer agency Account # - 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: Debt collection

I had a auto in accident in XX/XX/XXXX, the vehicle was totaled by my insurance company ( XXXX XXXX ). XXXX XXXX paid XXXX XXXX value of totaled vehicle, which left a balance of {$1800.00}. which should have been paid off through my Gap insurance that I pruchased in XX/XX/XXXX, when I initially purchase vehicle.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as FINAL NOTICE regarding your willful noncompliance with federal consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Unlawful reporting of inaccurate, outdated, or unverifiable information Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 Prohibition of deceptive and unfair practices Federal Trade Commission Act ( FTCA ), 15 U.S.C. 45 Enforcement against unfair or misleading credit reporting Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 Protection against fraudulent or misrepresented debt IMMEDIATE ACTION REQUIRED : I demand the immediate removal of the following dismissed and erroneous records from all reports, databases, and screenings associated with my file : Case Numbers to Be Expunged : XXXX XXXX Properties to Be Removed from My Records XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX These cases have been legally dismissed, and I owe no outstanding balance to any company. Your continued reporting of this data is fraudulent, negligent, and a direct violation of federal law. 

LEGAL LIABILITY & ESCALATION NOTICE Your failure to correct these records despite prior notices constitutes reckless disregard for federal compliance, causing financial harm and reputational damage.

If these errors are not fully corrected within 24 hours, I will escalate the following actions without further notice : 1. Litigation Filing suit for violations under the FCRA, CFPA, and FTCA, seeking damages for financial harm, distress, and punitive measures 2. Regulatory Action Formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), U.S. Department of Justice ( DOJ ), and State Attorney Generals Office 3. Congressional Oversight Contacting federal representatives to report systemic failures in compliance and consumer rights violations 4. Media Exposure Submission to consumer watchdog organizations, legal advocacy groups, and investigative journalists for national awareness CONFIRMATION REQUIRED I demand the following within 24 hours : 1. Written confirmation via email that all inaccurate records have been permanently deleted 2. Legal acknowledgment that I am fully opted out of all negative reporting 3. Copies of all updated screenings and reports reflecting accurate and legally compliant information Failure to comply will result in immediate legal and regulatory action. This letter serves as final notice before formal proceedings begin.

You are hereby legally bound to comply with all applicable federal and state laws. 

Sincerely, XXXX XXXX I prefer electronic correspondence for efficiency and timely responses.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes to XXXX, XXXX, and Transunion. They have not been answered. There are multiple accounts that I do not recognize and have not received validation for. I have not gotten any response back from the credit bureaus. I have attached my disputes to this complaint. Please assist me in having them investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB ... ... .. Experians response is UNACCEPTABLE!!!!!!!! Please see attached. You allowed them to close out the complaint stating that there was an unauthorized third party? How? The consumer, which is myself submitted the request with all supporting documentation. Please ensure that the complaints are being fully addressed and you are not allowing these companies to just close out without any remedy.
Product: Credit reporting or other personal consumer reports

I am writing to address the lack of response to my previous notice, dated XX/XX/year>, regarding the request for a copy of the 1099-C filed for the charged-off debt. XXXX  XXXX XXXX failure to provide a response leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX  XXXX XXXX XXXX XXXX IRS for potential tax fraud using Form 3949-A if prompt action is not taken. 

Furthermore, it is imperative that you notify XXXX, TransUnion, and XXXX to delete this information from my credit report immediately. The account in question is detailed as follows : XXXX XXXX XXXX As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. 

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations.

Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. 

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the Creditor XXXX  XXXX XXXX, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Transunion for non-compliance with the Fair Credit Reporting Act ( FCRA ) and for civil liability due to negligence under 15 U.S. Code 1681o. 

I submitted a dispute regarding an inaccurate item on my credit report. The disputed accounts are : Creditor Name : XXXX XXXX XXXX Amount Reported : {$3500.00} Date Reported : XX/XX/XXXX Creditor Name : XXXX XXXX Amount Reported : {$240.00} Date Reported : XX/XX/XXXX Creditor Name : XXXX XXXX  Amount Reported : {$0.00} Date Reported : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Date Reported : XX/XX/XXXX Despite my formal dispute, Transunion failed to conduct a proper investigation, verify the accuracy of the item, and provide me with an adequate response within the required timeframe under the FCRA. Their failure to act in accordance with federal law has caused financial harm, including denied credit applications, higher interest rates, or emotional distress. 

Under 15 U.S. Code 1681o, credit reporting agencies are legally liable for negligent non-compliance with the FCRA. Their failure to correct or remove this inaccurate information constitutes negligence and has negatively impacted my credit standing.
Product: Debt collection

I ordered an indoor cycling bike from XXXX XXXX in 2020 during the pandemic. The bike arrived and after assembled it did not work properly. I returned the indoor cycling bike to XXXX XXXX Although, the bike was defective they have charged me {$890.00} for shipping and the product did not work. 

I dispute the debt in question as this is not an amount I should be responsible for since this product was defective.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 


Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C . 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) 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 for crimes that antedate 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: Student loan

Their services uncarefully looked into, failed to understand and/or misconstrued the discrepancy matter as brought forward to them, as acknowledged by their services ( place see attachments ) reply. 

Realize that Navient is trying to perhaps do their best under the circumstances, even being overwhelmed with the many others facing similar issues, that is well understood, however I am only one ( of many ) as an individual who is having this serious problem-issue for far too long, and have made prior complaints regarding this matter in the past as well. 

I have had this unfortunately financially crippling, serious problem-issue with these student loans especially ever since the first consolidation, of which have made the owed amount worse and, as of this writing is continuing to increasingly get worse, with no complete care of giving a reliable and accurate assistance from their services ( or, for that matter, whoever else ) whatsoever. 

Also, have contacted one of two US Senators, with one of them who gave ( please see attachments ) their caring in terms of a citizen-assisting reply. 

I am bewildered, Disappointed and abandoned to consider the nature of the former as a serious SOS situation! 

Please do contact should there be any questions, clarifications needed etc., thank you kindly for your services in the handling of this complaint. 

P.S. : Have also submitted a complaint to the XXXX, of which is in progress though at this time w/o a resolution etc., thank you kindly for noting!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things I had seen on my credit report. To this day over 60 days later I have not received a response yet, I feel like Im being taken advantage of and have been ignored of my disputes. I demand these items be deleted immediately or I will file for litigation due to the stress and anxiety you caused me. I know these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I have filed a complaint with the better business bureau because to my knowledge I do not recall these accounts. I need this problem fixed ASAP I will not wait another 60 days to receive a response because clearly they arfe ignoring me.
Product: Money transfer, virtual currency, or money service

has limited my paypal account permanently.Although I reported that my products were delivered and I was ready to provide the necessary evidence, they did not help. 
it is terrible that they behave so biased and irresponsible I would like to report that I am negatively affected by this situation. 
my email linked to my paypal is XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Charge-Off Entry on Credit Report To Whom It May Concern, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliancy requirements XXXX 
The inaccurate entry is as follows : XXXX XXXX XXXX XXXX XXXX  Account number XXXX Status Charge off : XX/XX/XXXXXXXX XXXX XXXX Account number XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Account XXXX Charge off : XX/XX/XXXXXXXX XXXX XXXX XXXX Account number XXXX Status updated Charge off : XX/XX/XXXX I dispute this entry on the following grounds : XXXX. Reporting Inaccuracies : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity. 
XXXX. Lack of Notification : The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA. 
XXXX. XXXX XXXX Compliance : The XXXX XXXX XXXX XXXX outline specific requirements for the reporting of consumer credit information. I believe that the creditor may have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant. 
I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and XXXX XXXX compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report. 
Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 
Sincerely, XXXX XXXX
Product: Debt collection

COLLECTION COMPANY KEEPS CONTACTING ME TRYING TO COLLECT A DEBT I DO NOT OWE TO THEM
Product: Student loan

I was a student at University of XXXX and received a loan in XXXX when I completed my education and it came time to pay I deferred my loans because I was having difficulty but citibank would not defer so the account ended up being charged off. I tried to call and make arrangments because on my credit report they say I am charged off but they are still charging a past due fee of about XXXX every month on my account. The representative on the phone says the company does not accept payments anymore but the account is still theres and they can charge because I havent made any payments to them, and they havent for a long time they contract out and gave me the number to a collection agency. Now I went on the website and you can make payments but it says I dont have any active or full disbursed loans, so how am I still getting charged for an inactive account that they will not accept any payment for?
Product: Mortgage

I received approval from XXXX XXXX ( Government Program ) to get Covid funds to bring my mortgage current. They have not responded to the original request in XX/XX/year>. 

Could you ask them what is taking so long for their response to XXXX XXXX. This is a very stressful process and I need to know what is going on. I am a senior with {$25000.00} left on my mortgage again somebody need to look into this mortgage company.
Product: Debt or credit management

Equifax is purposely trying to make it difficult to file a dispute against a collections company. I'm not able to upload my documents. It won't take any of my documents that I have to submit to file the dispute. They won't answer their phone either. I was on hold for 20 minutes. Couldn't get through to anyone. They are completely unresponsive and unprofessional. They purposely side with collections agencies and creditors to ruin your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I called the police about fraud and FTC.These items need to be deleted from my credit report XXXX XXXX   XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX  XXXX There are some inquiries too that are not mine : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX.