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

These accounts dont belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft PORTFOLIO Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

My credit card number was used and fraudulent purchases made. I contacted the company right away to report it and told them that I wanted to make sure when a new card was issued the info regarding the payment history of time and all payments made on time and in full was going to continue to be reported. The credit card company closed the account. made an unauthorized hard inquiry on my credit report and failed to report the previous credit payment history. I contacted them numerous times to get this corrected. then the previous credit card was totally removed from the being reported. not reporting the info and then removing the card totally from my report and the hard hit caused my score to go down. This affects the insurance payments that I make for properties and cars. I estimated that this drop has cost me aprox 300 per policy. 
there are 10 policies that would have been affected. the new card was issued and it has been several months that nothing has been reported to the credit bureaus. I am frustrated with the number of messages I have sent the credit card company via the credit card site and phone calls. 
they need to reinstate the information back to the original card and show the payment history that was made on time and in full for the past ( I think it is 51 months ) they need to remove the unauthorized hard inquiry. I have sent them all the documents that they required numerous times and the only response I get is a standard letter saying they are investigating the case and will get back with me within 30 days. this has been going on for 5 months!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continued to dispute this account with Equifax and XXXX XXXX. I have never lived at service address and have never requested service there. This is a cable bill that i did not authorize. Dispute confirmation # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company verified they received my later on XXXX. Since that time I have phoned several times in regards to these accounts. As of yet the company has yet to validate the information on my Credit Report. Per The 15 U.S. Code 1681g - I sent a certified letter to this company requesting information in my record be disclosed to me. It has been over 45 days and I have yet to get a response from this company validating what is on file within the company records. That being true the company must remove matters not validated including inquires and debts. 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe the consumer must remove. I also spoke to a manager who was unable to provide any contract that was signed by me. XXXX The Manager XXXX  states the company does not have this information in there records, the manager requested I contact the company for information that should be stored within the company records. The manage told me it is all handled electronically and they do not have any of that information on file. THIS is a direct violation 15 U.S. Code 1681g mentioned Code for inquires and information on my report. American XXXX  XXXX XXXX Our 2d.Section 90-93 companies can't subrogate onto a contract. Please provide a signed contact between the company reported and myself when unable to submit such documents the information must be removed, this is no contract between the companies and myself.
Product: Student loan

1.I have never have STUDENT LOANS accounts, REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) The STUDENT LOANS, the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Debt collection

On XXXX XX/XX/XXXX I checked my credit score through XXXX XXXX online app and I found two negative inquiries on my credit report, one of them was from I, Q Data international, INC. I called them to find out what it is about and I found that this debt is regarding the XXXX XXXX XXXX in XXXX XXXX. I stayed there from XX/XX/XXXX to XX/XX/XXXX. I paid all charges on time and before I had left. I then wrote them a letter on XXXX XX/XX/XXXX to verify my legitimate debt according to fair debt collection practices. In this letter I requested them 6 questions shown in my letter that I had attached with my complaint. I waited for their response, On XXXX XX/XX/XXXX I wrote another reminder letter to verify the debt. In XXXX I received a letter from I.Q. Data International stating that " they reviewed my dispute and I have to submit another dispute letter to open a new investigation. '' But they failed to provide any documents that were requested from me in my dispute and reminder letters. 
Then I received multiple calls from them, they demanded that I need to pay the debt. I requested them to not call me, but they kept calling me and in XXXX, I received a call from their representative to talk about the debt. I requested him to send me a letter if he had any questions. He then started to use abusive language and started harassing me. I requested him to stop harassing me please, but he continued. I then hung up the call. 
On XXXX XX/XX/XXXX I then sent another letter about the requested documents and the harassing incident, but I never received any notice from them. I submitted my complaint by phone call to XXXX  credit bureau to remove my negative report. Later on I received a letter from I.Q. international along with my billing statement. I then called them on XX/XX/XXXX at XXXX XXXX. I spoke with XXXX XXXX : XXXX about my debt validation and my requested documents. She refused to provide me any further documentation. I asked her about the billing amount and an explanation of the billing statement. She told me that it was the wrong amount they charged me, but she would not tell me why it was the wrong amount and what the correct amount was. I told her I paid every thing including my lease termination fee and all my bills. 
I would like this negative mark removed from my credit report. I can not lease any apartment due to this negative mark on my credit report. I can not buy my dream truck and a house on a low interest rate.
Product: Debt collection

We initially had contacted them to settle the debt beforehand where it was initially not a debt then we were told that we could call back after the due date of the card and then have to call back on the statement date, but then they couldnt guarantee anything now these people are harassing us. As soon as we wanted to negotiate for 40 % a few days ago before all this happened before the due date, we were told that we couldnt and now theyre harassing us for the money that they said that they so nicely wanted to not settle on. Ive gotten a few phone calls a few emails. I mean this hasnt stopped Consistently calling us back-and-forth and do not negotiate
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information. 

The account in question is as follows : Account Name : XXXX Date Listed : XXXXXXXX XXXX XXXX  The balance currently being reported is inaccurate and potentially unlawful. XXXXXXXX XXXX XXXX XXXX  XXXX Bank, the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code XXXX defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt. 

If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible.

Provision of the 1099-C Form : If issued, provide a copy to verify the identifiable event.

Immediate Deletion of the Account : If the debt was discharged under Event Code XXXX or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act. 

Attached, you will find [ list of supporting documents ]. Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

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

XXXX XXXX XXXX {$700.00} Account # XXXX XXXX XXXX XXXX is reporting a collection account on my credit report that has been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still disputing this debt that you stated is VERIED but did not confirm that it is VALIDATED, I contacted the original creditor who was unable to validate this credit account was mine. I am responding in a timely matter to your attempt to validate this debt because I still consider this debt as '' still in dispute ''. I would like documentation to clear up my reasons for disputing this debt ( agreement that bears signature of the alleged debt, complete payment history on the account to prove the debt being collected is correct, etc ). In addition, you must also be aware that until you validate this debt, you can not continue to report this information on my credit report as that is non- compliance with FTC . Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- reporting twice XXXX XXXX XXXX. XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint against Square Inc., a credit card processing company, regarding their decision to disable my account and withhold my funds without adequate justification or communication. 
On XX/XX/XXXX, I set up an account with Square after a customer requested to pay via credit card for services rendered. I processed a payment of {$3800.00} after completing the installation of an XXXX XXXX at the customer 's residence. However, when I attempted to transfer the funds to my bank account, I was unsuccessful. 
Shortly after, I received an email from Square requesting additional information. In response, I promptly provided the requested business documents, including my federal tax ID number, the invoice for the transaction, personal identification, and photos of my ID. The only requirement I was unable to fulfill was providing a business website, as my business operates primarily through word of mouth and does not utilize online advertising. I communicated this to Square.

Despite my efforts, Square sent me an email stating that they were disabling my account and holding my funds for 90 days, with no option for appeal. This decision was made without any further explanation or consideration of the documentation I provided.

Since then, I have made numerous attempts to contact Square 's customer service. Unfortunately, because my phone number is linked to the deactivated account, my calls are screened and do not go through. I have also tried reaching out via email but have yet to receive a response or speak with a representative. 
As a small business owner, this situation is severely impacting my ability to operate. I believe I have provided sufficient proof of the legitimacy of my business and transaction, and I do not believe Square has the right to withhold the funds my business earned.

I am seeking the immediate release of the withheld funds or at the very least, a fair and transparent review of my case. I am willing to provide any additional information that Square may require to resolve this matter promptly.

Thank you for your time and consideration. I look forward to your assistance in resolving this issue.
Product: Debt collection

This company F.H. Cann and associates keep calling me about a debt that my brother owes. This has repeatedly called my number even after I told them not too. I just want them to stop calling because I have no idea where he is and to my knowledge my brother never had my cell phone number.
Product: Credit reporting or other personal consumer reports

EQUIFAX Credit Report Confirmation XXXX I am disputing the information on the following account : XXXX XXXX XXXX XXXX  Charge Off account # XXXX Summary Available Credit shows - {$170.00}. Inaccurate Account History Balance : Date opened through XX/XX/XXXX missing. 

Available Credit : All information missing. 

Scheduled Payment : All information missing. 

Actual Payment : All information missing. 

High Credit : All information missing. 

Credit Limit : Missing from Date opened XX/XX/XXXX, to XX/XX/XXXX. From XXXX XXXX XXXX shows a credit limit of {$350.00}. Inaccurate Amount Past Due : Missing from Date opened XX/XX/XXXX, to XX/XX/XXXX. From XXXX XXXX XX/XX/XXXX shows amount past due of {$520.00}. 

Activity Designator : missing all information. 

Payment History : Shows Account was charged off XX/XX/XXXX but says first delinquency was XX/XX/XXXX. 


Account Details High Credit missing information Credit limit {$350.00}, but account is charged off. 
Terms Frequency Unknown. Wrong Balance shows {$520.00}. Inaccurate Amount past due shows {$520.00}. Inaccurate. 
Actual Payment Amount missing Date of Last activity missing Activity Designator missing Term Duration Missing Date of Last payment XX/XX/XXXX, but that was when account shows it was 90 days past due at that time. 
Scheduled payment amount missing Delinquency first reported XXXX, but Amount past due shows {$520.00} past due starting in XXXX XXXX XX/XX/XXXX. 
Creditor Classification Unknown, this is impossible. 
Deferred payment start date blank Balloon payment date blank Date of first delinquency shows XX/XX/XXXX, wrong. 
Charge off Amount {$540.00}, but amount past due shows {$520.00}. 
Date Closed Missing Why are all of the Actual Payments missing? Why does the account only show negative remarks while all the good stuff is missing? This is causing me harm and hurting my credit score. 

Please correct all the information listed above or delete the account from my consumer reports. 

Attached : Credit report Drivers License Social Security Card I have included all necessary proof of my identity and address. Please do not send me a stall letter saying that I didnt provide enough proof of identification. Im not in the mood to play games. 


Thank you XXXX XXXX XXXX : XXXX Birthdate : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA.

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately! 

I regret to inform you that my rights are being violated due to the discrepancies found in your reporting practices, as specified in the accompanying document. I must express my disappointment as the document provided lacks completeness and fails to meet the standards I expect. It is imperative to comply with the legal obligations set forth by the Fair Credit Reporting Act ( FCRA ) and Metro 2 requirements, which necessitate the truthful, accurate, timely, and comprehensive certification of all aspects of compliance. Failure to adhere to these standards will leave me with no alternative but to escalate these concerns to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and engage the services of my state 's Attorney General.
Product: Credit reporting or other personal consumer reports

You were notified that the account XXXX is inaccurate and failed to correct or verify this account. Stop reporting for FDCPA non-compliance of inaccurate data furnished on my consumer report. I also submitted proof that my personal information was involved in Equifax data breach, and you still failed to investigate and provide a valid ID, copy of my ssc, or anything that would validate the alleged debt belongs to me. Lastly, my credit report will show that you are reporting inconsistent information to the credit reporting agencies such as the payment history and the date last active. The accurate reporting of this date is crucial for maintaining the integrity of my credit profile and ensuring compliance with the FDCPA. XXXX XXXX XXXX has lost all credibility with anything that they are reporting, and I will seek legal action if this account is not removed immediately. Please see the attached credit report and data breach claim id and remove the aforementioned account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account XXXX XXXX account # XXXX has violated my rights. 

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

15 U.S.C 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

The unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXX Department of Education ( DOE ) and the Department of Governmental Entities ( XXXX ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( XXXX ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My XXXX XXXX for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under XXXX ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as XXXX XXXX of the XXXX XXXX XXXX, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.