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

XXXX XXXX XXXX I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case, How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, person characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom she or he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my given rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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. According to : 15 U.S.C 168s-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: Credit reporting, credit repair services, or other personal consumer reports

XXXX App Has The Wrong Social security XXXX IRA Has Account Has The Wrong Social Security Number On It I Am Unable To See My Credit Score For Trans union XXXX XXXX I Know My Phone And My Data On My Phone Is Being Messed With Someone Is Hacking All My Accounts My email account XXXX was exposed to something called the Dark Web please Tell Me What to Do also the credit people keeps on getting my information mixed up with my brothers
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite my previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

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

The credit reporting agencies are reporting an inaccurate bankruptcy on my credit report
Product: Credit reporting or other personal consumer reports

POSSIBLE FINANCIAL is in violation of multiple laws set forth by Congress. 15 U.S. Code 1681a ( 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 ( POSSIBLE FINANCIAL ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( POSSIBLE FINANCIAL ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX XXXX  ) if the person knows or has reasonable cause to believe that the information is inaccurate. POSSIBLE FINANCIAL 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 screenshot 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 POSSIBLE FINANCIAL for the cancelled debt in order to file as ordinary income. Where is my 1099-C POSSIBLE FINANCIAL is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS. This is unsatisfactory! POSSIBLE FINANCIAL has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In POSSIBLE FINANCIAL terms and conditions they agreed not to share my information with non-affiliates. XXXX and XXXX is not an affiliate of POSSIBLE FINANCIAL 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 a 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 given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-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, inaccurate
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX Date XX/XX/year> To Whom This May Concern, I, XXXX XXXX have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law.

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency.

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.

I appreciate your efforts in this matter and look forward to your response. 

Regards, XXXX XXXX Signature : XXXX XXXX
Product: Debt collection

I'VE REQUESTED NUMEROUS TIMES FOR THIS DEBT COLLECTOR : MERCHANTS CREDIT TO PROVIDE ME WITH CONTRACT. I REQUESTED FOR THEM TO PROVIDE ME AN INVOICE FOR WHICH I SIGNED FOR THIS DEBT. I DID NOT PROVIDE MERCHANTS CREDIT OR THEIR CLIENT " XXXX XXXX XXXX '', WITH MY SOCIAL SECURITY NUMBER. I'VE NEVER GAVE PERMISSION FOR THEM TO USE MY CREDIT FOR AN APPLICATION FOR THEIR SERVICE PRODUCTS. MERCHANTS CREDIT IS ALSO FRADULENTING ADDING DEBT TOTHE CREDIT BUREAUS WITH THE DATE THAT THE BALANCE INCURRED. ESPECIALLY IF THEY ARE SAYING I INCURRED A DEBT FROM THEM IN XXXX
Product: Debt collection

This company called my phone 3 times in a row this morning after they got no answer. I am terminally ill, considered XXXX by the federal government, meaning I am on XXXX. I only answered because I assumed it was one of the companies who monitors my implanted XXXX XXXX  trying to warn me of an issue after the 3rd time in a row only to find these vampires on the other end. I also have received no written letters or conformation of debt.
Product: Credit reporting or other personal consumer reports

I appreciate the prompt attention from the CFPB, and I want to acknowledge that XXXX XXXX XXXX XXXX has taken corrective action by removing XXXX out of the XXXX fraudulent accounts previously mentioned in my complaint. However, the specific XXXX account with the amount of {$14000.00} ( Account XXXX : XXXX ) remains unresolved. The discrepancy in their response raises suspicion, as the removal of only XXXX out of the XXXX fraudulent accounts suggests potential selective omission. This questionable behavior leads me, as a consumer, to believe that XXXX XXXX and Experian may be purposely retaining XXXX XXXX to negatively impact my XXXX  status, keeping me classified as a subprime borrower. 

Furthermore, I would like to express my concerns about Experian 's handling of this matter. Despite my diligent efforts to address the fraudulent accounts and the discrepancies, Experian has not provided a satisfactory resolution. The rapid verification of the information without a thorough investigation and the lack of transparency in providing evidence raise significant concerns about Experian 's compliance with the Fair Credit Reporting Act ( FCRA ). 

In my efforts to report the specific XXXX account as fraudulent to Experian, I have attached XXXX  required documents, including the FTC report XXXX government-issued ID, social security card, and utility bill. This comprehensive documentation supports my claim and further emphasizes the urgency of a thorough and accurate investigation by Experian. I demand the immediate deletion of the remaining fraudulent XXXX account in the amount of {$14000.00} from my XXXX  report. 

I urge the Consumer Financial Protection Bureau to scrutinize Experian 's handling of this matter, ensuring compliance with the FCRA and the deletion of the inaccurately reported and remaining fraudulent XXXX account. Your immediate attention to this critical issue is crucial, and I anticipate a prompt resolution. 

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

these accounts listed in this complaint do not belong to me someone use my information to open fraudulent accounts with out my consent or knowledge someone use my photo id and social security number I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax report there are 10 late payments from a XXXX XXXXXXXX XXXX account that is not mine..I have already disputed this account with XXXX XXXX by informing them that I did not open a credit card with them and am a victim of identity thief. They are still reporting late payments even with this knowledge.
Product: Credit card or prepaid card

Several weeks ago, I tied to use my XXXX point toward to XXXX payment and it showed that XXXX point failed to pay. At that time, I have not noticed too much about it. However, today, I tried to transfer my XXXX point to an airline partner, it said my reward account is under review to grantee the purchase. I immediately called the customer services and they told me it would take 6-8weeks to finish reviewing ; however, 6-8 weeks starts from TODAY! I know this action to ensure the user where they do not abuse the reward and I can understand it. BUT, why it 6-8weeks starts from TODAY? It means it will always be frozen my account to the day that I call the customer representatives? Because when I can not use XXXX point toward to XXXX, I think my account has already be frozen in several weeks ago and I successfully used it in the last year. On the other hand, I have a really good relationship with your company, I always select your company credits as the first choice and pay the balance on time. At the same time, your company give reward points to me as bouns ; However, when I really need to use point in the time ; and you told me I could not use it and I have to wait? And I have to wait in a long long time! I mean I can wait, but my flight ticket can not wait! The reason that I select your company is that it can provide convenience services. However, this action really is disappointed me. I saved XXXX points for almost one year in order to redeem flight ticket for a vocation and then I find what I saved is nothing because I can not use it! Also, I asked what reason about why my account was frozen, they can not tell me the reason. I think that your company at least can give user right to use the point that grantee meeting the requirement and pending the points that your company is doubt. But why frozen all account? Even the point that is insane can not use.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I filled chapter XXXX bankruptcy almost 7 years ago however we did n't file on morgage with chase who house is financed with. We keep house and keep up to date. It was in bankruptcy as not included and there was no dispute in court about no filling and keeping house. We have since also done a new loan modification as well however ever since bankruptcy the mortgage with chase will show up as a closed paid account or included and closed for bankruptcy. Different credit reports show different things or nothing at all. We habe asked lender to fix this several times and also filled many disputes with 3 major credit reporting companies and it never gets fixed or updated. Due to this we are unable to refinance house and get a equity loan. We need both my wife 's and mine credit reports fixed since mortgage was exempt on bankruptcy and also a new loan was done. This is affecting our credit and life.
Product: Debt or credit management

I originally had a debt settlement contract with XXXX XXXX XXXX. Starting XX/XX/XXXX to resolve a debt. They said that it would take XXXX months set me up with a payment plan and I made the last payment XX/XX/XXXX. These payments totaled {$5700.00}. Then my account got moved to Consumer Legal Group. I signed a new contract with them, the payments made to XXXX are listed on that contract. Recently, I applied for a home equity loan and was denied due to this unresolved debt. I called CLG and they told me they couldnt locate my account. They asked for documentation from me. I sent a copy of that document to XXXX XXXX They said I would here back from her the next day and did not. I called again, same story, this time I email a copy of the contract to XXXX XXXX He assures me that it will be resolved. I later get a cryptic text from XXXX asking if I am familiar with XXXX law. I emailed him back asking why he asked that and he never replied. I called again and asked for a manager, I get XXXX XXXX, she says she will get it right. She calls me back and asks if I have proof of payment to them. I explained that all of my payments were made to XXXX which is found on the contract that I have with CLG. She says that she wants bank statement proof. I look through bank statements and I email her that I can prove that the money was taken from my account by XXXX. I dont hear back. I call again and I am told XXXX is on lunch. I ask for someone above XXXX. They never give me anyone else to talk to but convey to me through the representative that my account is actually held by XXXX law. I said that doesnt make sense, how do you account for the contract that I have with CLG? I told them that my next move is to go to consumer finance. They provided me with a number to XXXX law. I called and got a recording that said if you are looking for XXXX law call this number. So I call the next number and get a recording saying all of our representatives are busy, leave a message. I have left messages and never received a call back. I want a full refund of the {$5700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed a collection account by XXXX several times and they keep saying it's accurate. I do not owe money to any collection agencies.
Product: Debt collection

I am presently XXXX within the XXXX XXXXXXXX XXXX XXXXXXXX XXXX. On the date of this alleged debt, I was in XXXX, as I had been released on XXXX I was no where near the location of the alleged debt, as I was not in XXXX at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit monitoring service which alerted me on XX/XX/2022 about a credit query to Equifax from XXXX, Since I did not initiate or recognize I put a freeze on my credit report for all three credit bureau XXXX I also called XXXX next business day to enquire and I was told there is account being opened under my SSN so I was relieved but on XX/XX/XXXX I got another new account open alter, then I contacted XXXX again - this time they told me yes there is credit card issued under my SSN for {$5000.00} limit, So I told the customer rep about previous call where I was told no account was being opened how could this happen for which I was transferred to fraud depart where they verified how I am and told they will fix it right away and notify all three credit bureau. Due to my previous call experience with XXXX I wanted to be sure this time so after 3 days I followed up again to my surprise nothing was done and they asked me to submit a notarized fraudulent application affidavit which I did and now I been told they need another 60 to 90 days to investigate the issue. I can not relay on XXXX so I am asking for help here.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 Elan Financial report to the bureaus that I had late payments these months. On XX/XX/XXXX I disputed these derogatory items with Elan Financial and all of the late payments were removed. On XX/XX/XXXX the derogatory items were replaced on my credit reports. According to FCRA U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. FCRA 15 U.S.C 1681 b, subject to subsection ( c ) any consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. And according to FCRA 15 U.S.C 1681 ( 2 ) ( a ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) Subject to section 1681 XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have information that does not belong to me. Please help. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and inquiry XXXX i contacted them they said i must pay it. i dont know what to di its not mines
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : EMPLOYER : XXXX 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report.