23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 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

I am writing to you regarding the account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is reported as a charge-off on my credit report. After reviewing the information related to this account, I believe it is being reported inaccurately, violating my rights under the Fair Credit Reporting Act ( FCRA ) and other federal regulations. 
The debt has been reported as a charge-off, indicating that the creditor deemed it unrecoverable and wrote it off as a loss. Under IRS regulations, specifically Section 6050P of the Internal Revenue Code, the creditor should have issued a Form 1099-C ( Cancellation of Debt ) to report this cancellation to the IRS, which has not been done. The failure to issue this notice and the continued presence of this debt on my credit report as active constitutes inaccurate and incomplete reporting. 
Additionally, under the FCRA, credit bureaus are required to report only accurate and verifiable information. If the creditor has determined that the debt is no longer recoverable, as indicated by the charge-off, it should not continue to be reported as an outstanding or active debt on my credit report. 
I request that you support the credit bureau XXXX investigate this matter immediately and remove the incorrect account from my credit report. If XXXX XXXX XXXX XXXX XXXX XXXX XXXX not provide clear evidence that this debt remains valid, including justification for not issuing a 1099-C form, you must correct and delete this information
Product: Credit reporting or other personal consumer reports

I have been dealing with the ongoing issue of identity theft ( attached Police Report ) for an extended period. Unfortunately, Experian is reporting a XXXX  on my consumer report that I have no knowledge of or involvement in. 

I contacted the court where this XXXX  was supposedly filed, and they confirmed that they do not report any information to third parties, including credit bureaus ( see the attached letter from the court ). I also have proof that XXXX has removed this inaccurate information from my report. Since the court is the primary source for XXXX  filings, Im left wondering : how does Experian have this XXXX  information, and where is it coming from? 

This situation indicates a potential inaccuracy in Experians reporting or improper sourcing of information, which I urgently request be investigated and corrected. 

Experian has violated the following consumer laws : XXXX of XXXX Resulting from Identity Theft ( XXXX XXXX. XXXX ) : They failed to block the fraudulent account information, despite being provided with sufficient documentation. 
XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The willful failure to comply with FCRA provisions has subjected them to civil liability. 
XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Negligent actions in handling my case further indicate noncompliance with the FCRA Failure to Ensure Maximum Possible Accuracy ( XXXX U.S.C. XXXX ( b ) ) : Having this inaccurate information violates the obligation to maintain the highest level of accuracy. 
As a consumer, I have the right to ensure that my consumer report is free from errors and I am relying on you to fulfill your obligation to investigate and correct any inaccurate information. 

If Experian do not initiate an investigation regarding my dispute AND DELETE this information within XXXX business days of receipt of this notice per 15 USC 1681c-2, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows damages of {$1000.00} should this matter be up in court.
Product: Credit card

I don't apply for a credit card from key bank, and I don't have any account with them, but I found the collection agency call me about late fee for my credit card payment which's I don't have I asked for the application, but they don't have any approve looks someone using my information but till now the bank ask me to pay the balance and effect my credit score. so, I'm filling this complain against the bank.
Product: Credit reporting or other personal consumer reports

Last year, I found 3 fraud accounts in my credit report. They were all late and had outstanding balances, but I have never applied for these credit cards. I called these companies few times to inform them what is going on, but one of them said they can not proceed with my claim because they were " unable to verify my identity '', " everything is showing accurate '', and " I need to contact my credit bureaus in this case. '' I did contacted XXXX, Equifax, and XXXX, and they told me to submit FTC report which I did. I first submitted FTC report back in XXXX of XXXX, and until now, when I submit FTC report, all the results are coming back with " these are accurate information. '' I even contacted these creditors to request the actual application and whatever documents they received, but I never received any letters from them except for the dispute case result letter saying " this is correct information. '' I even requested credit bureaus and requested to send me whatever they received from creditors proving that these are my accounts. However, since XXXX of XXXX, until now, they never sent me any proof from creditors. My credit score is severely damaged, and some representatives told me to pay for it, and they will refund me once the dispute case is finishes. I can't understand why do I have to pay for something that I have never applied for or never used it. I have been asking my credit bureaus to help me, but all they say is " we just do what we receive from creditors. '' Of course, these creditors would want this account to be factual because they need someone to pay the balance. At least credit bureaus should have stand up for me because I am paying them monthly membership fee to protect and help me. Until now, none of them helped me or showed any efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I was placed on collections by CMRE financial for a payment of {$220.00}. I had not received the bill in the mail, nor did I get any phone calls/emails regarding this payment, which was due. This is not a recurring credit card, and the charge is related to Home owners association in the condo I live in. Often times, mail gets misplaced, which is likely the reason why I did not see this payment until it was too late. I have since then, paid the statement in full, and have not missed any payments since then. I am currently in the process of financing a home, and this old collection is still on my record and is affecting my ability to move forward with the transaction. The rest of my credit report is essentially flawless. I would greatly appreciate if I could be re-scored so that the appropriate credit score can be shown to the lenders. Please help me remove this from my record. 

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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXXXXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Can you remove the items listed in the report to correct my credit score?
Product: Credit card

I've had a number of difficulties with Capital One rejecting charges that I pre-approved so on XXXX XXXX XXXX I called to cancel my card. I had previously applied all remaining rewards to my balance and paid off the balance in full, which is my normal monthly habit. 

After going through the validation procedures with their agent, the agent informed me that once I closed the account, I would be barred from reopening it. I found this odd, but I had no plans to reopen the account and said that is fine with me. 

The agent then said I had {$1.00} remaining in cash rewards. I said that was odd because I had redeemed all of my awards prior to making my payment. I first said that they could keep it, but the agent said they would mail me a check ( to the address on my account ) and I said that would be fine. 

However, the agent then said that she needed to do some additional verification steps in order to send me the check. The verification step involved sending me a code over the phone that I would have to repeat to her. I said, I'm on the phone with her and have no other phone to do that. I asked if she could send it by email and she said no. I asked if I could hang up so then could send the code and she could call me back and she said that wasn't possible. She then said I could send them a copy of my drivers license and some other forms of identification. After much frustrating discussion, I asked to speak with the supervisor on duty and was transferred. 

I explained the issue and asked ... ... ... .if you were satisfied with my verification to close the account, I don't understand the need to do an additional verification in order to mail a check for the rewards balance. She did admit that it didn't make sense to her either, but that is the company policy. 

The conversation ended with my advising/stating that I would be filing a complaint with the CFPB. 

Now, all of these credit card companies will gladly open an account online with instant approval. There are no hoops to jump through. Their policy of additional verification is a deceptive trade practice ... or a practice to attempt to coerce someone to keeping the account open.
Product: Credit reporting 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 need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX.
Product: Checking or savings account

XX/XX/2020. Charged 4, {$36.00} overdraft fees for items that show they were cleared on XX/XX/2020. Spoke with branch manager XXXX XXXX XX/XX/2020. Unwilling to help on anything. I do have printouts of account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Subject : ** Request for Account Deletion Disputed Account To Whom It May Concern, I am writing to formally dispute the reporting of the account listed below on my credit report. I believe this information is inaccurate and/or incomplete and should be removed. 

- **Creditor Name : ** XXXX XXXX - **Date Reported Closed : ** XX/XX/year> **Reason for Dispute : ** 1. The account shows a payment history of being late for several months ; however, the account status is marked as " Paid. '' This inconsistency raises questions about the accuracy of the reporting. 
2. The remarks state, Consumer disputes after resolution, but it appears the account still contains unresolved inaccuracies affecting my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe is erroneous or unverifiable. Please investigate this matter, verify the accuracy of the account details with the original creditor, and provide me with supporting documentation to validate the accuracy of this account. If you can not verify the information, I request that you delete the account entirely from my credit report. 

Attached, I have included a copy of my identification and a copy of my credit report highlighting the account in question for your reference. 

I expect a resolution to this matter within 30 days as required under the FCRA. Please notify me of your findings in writing and provide an updated credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. If you need further information, I can be reached at XXXX XXXX XXXX XXXX. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company is in Violation under 15 U.S. Code 1681i ( 5 ) Removal of inaccurate/invalidated credit information and 15 U.S.C. 1681e ( b ) - compliance procedures maximum possible accuracy.

Recently my credit was checked and i was denied credit which cause XXXX  XXXX. I found unverifiable, invalidate, inaccurate and questionable items that was not found to be reporting 100 % correct. Under 15 15 U.S.C. 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S.C. 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 


XXXX - XXXX, please remove this inaccurate.
Product: Credit reporting or other personal consumer reports

My credit was ran by companies without my authorization thus are fraudulent.
Product: Credit reporting or other personal consumer reports

This debt has been discharged as per the 1099-C I received. The balance and account information needs updated as a XXXX balance paid as agreed, as per the FCRA AND OR THE FDCPA. 
If it is not corrected ASAP I will contact the IRS as to what my options are!!!!! 

DISCHARGED DEBT FOR XXXX XXXX XXXX : NO ACCOUNT NUMBER
Product: Money transfer, virtual currency, or money service

Received marketing email from paypal for discount at seller that at the bottom of this email it says I am receiving this email because I subscribe to News and Promotions. If you check my account settings I have been unsubscribed to all emails for some time.
Product: Credit reporting or other personal consumer reports

I paid a settlement amount to CareCredit for {$2500.00} to Synchrony Bank ( Reference number : XXXX ). Synchrony had previously listed the debt as a " charge off '', which is a negative status on the Credit Bureau Reports. I contacted the XXXX Credit Bureaus and they each said that Synchrony reported the settlement as paid in full but retained the charge off in the update as " paid settlement/charge off ''. The Credit Bureaus said that Synchrony has to remove the charge off and just list the status as paid in full settlement. When I spoke to Synchrony today, they refused to make the change, saying " it is not within the policy guidelines ''. This entry on all of my Credit Bureau reports, of there being a current charge off on my account is inaccurate and false. The previous negative status is " charged off '' the current status should be changed to " paid in full settlement '', which is a positive status. You will see in the settlement confirmation letter that the consumer report was only suppose to say " Account paid in full for less than the full balance ''. It was never supposed to include " charge off '' wording in the updated language on the consumer report, which is currently states.
Product: Credit reporting or other personal consumer reports

R

e : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that Equifax are handing out randomly-assigned answers from their Potential Impact website : https : XXXX Entering both mine and my wife 's information twice, we both got different answers each time. As I am a semi-recent XXXX  to the US I do not even show up on their site, yet I still received two different answers from this " Potential Impact '' site.
I believe Equifax are attempting to appear competent in dealing with the backlash from this situation, but in reality, they are not.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXXXXXX XX/XX/2024. 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Debt collection

I opened my current account with XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, PA on XXXX/XXXX/15. Also on this day, a fraudulent account was opened in my name and social security number at XXXX XXXX XXXX XXXX XXXX XXXX, PA. I believe this was an internal error as the XXXX accounts were opened in the same day but I have been unsuccessful in getting XXXX to admit fault or even look at the problem ( this has now been going on since XX/XX/2015 ). We did everything XXXX asked us to do on our part by submitting the proper documentation that they required. After taking all these steps we never heard anything and the debt has now been placed on my credit report.
Product: Credit reporting or other personal consumer reports

I've been dealing with a credit report nightmare for the past few months, and I'm at a bit of a loss on what to do at this point. 

I had XXXX accounts listed as 180+ days delinquent from my student loan servicer on all three of my credit reports after not having checked it for several months. I contacted my student loan servicer, and not only was I current ( I take being punctual with my payments seriously ), but they also never reported any of my accounts as delinquent. To verify that this information was correct, my servicer opened an investigation and confirmed it as accurate. They also provided documentation stating such. I opened a dispute with the credit bureaus and provided the substantiating documentation my servicer provided. That was late XXXX, and nothing has been changed. I even opened the disputes a second and I believe a third time, to no avail.