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

inaccurate Reporting of information 15 U.S. Code 16815-2. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors ( a ) Reporting information with actual knowledge of errors A person shall not furnish 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.

( 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.

Duty : a moral or legal obligation ; a responsibility Accurate ; correct in all details ; exact Prohibition : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

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 your reporting of this account inaccurate!

By Definition The IRS Clearly says a Canceled or Charge off is Income. The reporting of this account as a debt is inaccurate.

15 USC 1681 5-2 Says you, XXXX XXXX XXXX , is a furnisher of information to a consumer reporting agency. 

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ inaccurate information immediately.
Product: Debt collection

Thia.debt collectionnagency has reported inaccurate information to the cresit bureaus which has damaged my credit. The account is listed twice under my credit bureau by  XXXX  different companies which is portfolio recovery as well as  XXXX   XXXX . Portfolio recovery reported wrong information and I have asked them to clear it. They keep saying the information is correct   XXXX   they will not provide me with me proof that  XXXX  information is correct. The account was opened in   XXXX   and they are reporting  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL " CRA '' FAIL TO SEND UPDATD REPORT AND RAPID RESCORE REQUESTED ON ABOUT XXXXTRANSUNION FILE # XXXX ( XX/XX/21 ) AND NEVER RECEIVED ANY CREDIT REPORTS TO HOME ADDRESS STATED ON FILE
Product: Credit card or prepaid card

Identify Theft and attached Identity theft report.Delete Inquiry XXXX XXXX from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX  XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates 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

I noticed that there are at least XXXX school loans on my credit report when there should only be XXXX listed open/current/deferred because I am in school until 2020 and they do not have to be paid until then. I am writing you to ask that these accounts that are closed/paid off/transferred be removed as they are effecting my credit. Alot of those loans has intercepted my taxes and is paid off. I am in school bettering my education and is looking forward to improving my credit. With all these negative accounts its making it hard for me to move forward with my life. Due to hardships being in and out of work because a lot of my jobs were short term assignments it made it hard for me to pay off my loans. I ask that you please update or remove my accounts to good standings. With my reports saying I 've missed 12 payments, 10 payments, etc it makes it hard for me to actually get approved for anything. I have been disputing with each credit bureau and I 've been getting nothing but the run around. I 've been hung up on, transferred to different numbers, I 've also disputed and still nothing good has happened. I 've been looking for jobs and right now I 'm receiving financial support for me and my child from family members. I just want to get my credit straight and I believe this is why I cant get a job and I cant get approved for anything because these are reporting delinguent.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX # XXXX XXXX XXXX, CT XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$8900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX Bankruptcy Reference XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is in response to complaint XXXX. Your company falsified the balance reporting on my credit report, and I have proof of documentation from the original creditor. Your agency claim that I owe an alleged debt of {$1100.00} which is not true. Not only do I not owe your company anything, but the original creditor also confirmed that the balance being reported is not owed to them. The correct balance is {$1000.00} and have since been entered into a payment plan with the original creditor. I have attached the documents from the original creditor and the XXXX XXXX  XXXX XXXX for the violations your company has committed. You are to remove this account and remit payment to the address on the invoice within 10 business days. I have no idea why you thought that you would get away with adding fees on top of a balance that is not owed to your company. I am keeping a clear paper trial and will be sure to follow through with litigation due to your false reporting and negligence.
Product: Debt collection

I received a letter from Revco Solutions about a debt that is not mine.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : CAPITAL ONE Date opened XX/XX/XXXX Balance Status Paid, Closed. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$670.00} Status Account charged off. {$670.00} written off. {$670.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Account charged off. {$990.00} written off. {$990.00} past due as of XX/XX/XXXX. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Account charged off. {$380.00} written off. 

XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$240.00} XXXX XXXX. {$240.00} past due as of XXXX XXXX. 

XXXX  Potentially negative Date opened XX/XX/XXXX XXXX XXXX XXXX, Closed. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} Status Collection account. {$63.00} This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. I have also attached Official document from the state of Florida that proves i was incarcerated during the time that these accounts were fraudulently opened. Please let me know if you need any other information from me to block this information from my credit report.
Product: Checking or savings account

Consumer Financial Protection Bureau this complaint is a bit technical but its true. I am a XXXX XXXX XXXXXXXX who became a citizen of the United States in XXXX in XXXX XXXX XXXXXXXX. I moved to XXXX, Georgia in the year XXXX unemployed. Since I have moved to XXXX I have made it my business to pay all my bills for public or private services by personal XXXX drawn on Wells Fargo Bank, XXXX XXXXXXXX XXXX, XXXX Georgia. You can check and you will find for the last 23 years and debts that XXXX XXXX incurred was paid by personal Check from Wells Fargo XXXX XXXX XXXX XXXX. At the beginning of the year XXXX and upon receipts of my monthly bank statements I noticed that certain business who I usually pay by check on their own were now withdrawing their amounts monthly without me issuing them a check. I wrote to Wells Fargo, XXXX XXXX and asked them very nicely to discontinue or stop allowing companies that I do business with from having direct access to my XXXX XXXX XXXX XXXXt. In my letter on yellow paper I informed them that since I have moved to XXXX all debts and business that I owe, when I receive the bill in the mail, I forward a personal check to them forthwith for the Amount Specified. Any problems they need to speak to the postmaster XXXX XXXX as the paid bill seems to have a problem reaching the person to whom the debt is owed. Its now XXXX and XXXXmagine my disappointment when I looked at XXXX XXXX Bank Statement ( arrival delay of 10 days from the beginning of the month ) to see my statement has fewer and fewer Check Numbers because the bank has ignored my letter on yellow paper and continue to allow Companies to directly withdraw money from my checking account without producing a personal cheque from me in payment and endangering the little savings I have in my checking account where since early retirement I have been slated to get only {$40.00} a month from XXXX and {$900.00} from Social Security for early retirement for life. Please look at copies of my yearly statement and see for yourself that companies are increasing withdrawing money from my account without me receiving official notice or receipt and this is put me in an untenable situation where I will have no control over my own checking account.
Product: Credit reporting or other personal consumer reports

XXXX5 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ACCOUNT NAME : XXXX Balance details 0 % paid off Balance {$4500.00} Balance updated XX/XX/XXXX Original balance {$4500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment account Payment summary 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 PAYMENT HISTORY LEGEND Status Paid or paying as agreed Status updated XX/XX/XXXX Past due amount {$0.00} Original balance {$4500.00} Monthly payment - Additional info Responsibility Individual account Terms 120 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone number ( XXXX ) XXXX PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' DELETE FRAUDULENT ACCOUNT PERMANENTLY AND INDEFINITELY NOW THANK YOU DISPUTE RESPONSE!!!!!!! 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

I am hoping that you can help me with my an issues I am having with a creditor. Possible Financial Inc account # XXXXThey are reporting that I still owe them {$76.00} which I do not. This has been paid since for almost a year now. I have been fighting with the credit bureaus to remove this balance. I have try calling Possible Financial at XXXX that is the number listed on the credit report. Well come to my surprise they do not take phone calls. How is someone to get ahold of a real person to discuss their account if they do not take phone calls? All I is the balance to be at XXXX. I have been trying to get this settled since XXXX of this year with no luck. Please help so I can purchase a home for my family and I.
Product: Money transfer, virtual currency, or money service

I submitted a withdrawal request in the amount of {$7900.00} from Coinbase on XXXX XXXX, 2017. Funds were promised to be delivered to my bank account by XXXX XXXX. I have submitted a support request with Coinbase, but it has been 4 days, and I have not received a response.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute in accordance with the Fair Credit Reporting Act ( FCRA ) to request the removal of several accounts that are not mine and have been fraudulently reported under my credit profile. As a survivor of XXXX XXXX my identity and personal information were compromised, resulting in the unauthorized opening and reporting of these accounts. 

The following accounts do not belong to me 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were opened or reported without my knowledge or consent. This constitutes a violation of my rights under the FCRA, particularly : 1. **15 U.S.C. 1681 Section 602 ( a ) ** I have a right to privacy and protection from inaccurate reporting of accounts that do not pertain to me. 
2. **15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ** Consumer reporting agencies are prohibited from furnishing accounts without my written consent.

I have attached documentation to support my dispute, including a personal statement regarding my XXXX  situation and any additional records, if necessary, to facilitate your review. 

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and provide updates on the resolution process.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my continues and persistent request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Product: Debt collection

Credit Corp Solutions Inc. is in violation of my rights. Not only was I not notified of this debt before the company sued me, but they also are in violation of Fair Debt Collection Practice Act again as they are conveying False and Misleading Representations as a debt collector. Credit Corp solutions is not licensed in Georgia as a debt collector, neither do they hold any Georgia licenses as per the NMLS Consumer Access database. Furthermore, they are in violation of my rights under the law in regards to privacy, as I did not grant this company permission to have access to my nonpublic personal information. I have never done any business with this company nor do I have any contracts with my signature from this company. Lastly, this company is suing me for alleged debt but they can not declare under penalty of perjury that this debt even exists nor have they produced a valid copy of a contract with the so called creditor with my signature as verifiable proof of the alleged debt which is also a violation of my rights as according to FDCPA debt collectors must validate the debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I send {$200.00} dollars through Zelle to XXXX a Zelle customer unfortunately I was a victim of fraud as I never received the tickets for the event I was promised I called my bank to report the fraud but XXXX XXXX   told me there was no Fraud that could be reported due to quick pay with Zelle policy 's devastating
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove incorrect address from report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX APARTMENT COMPLEX
Product: Credit card

On XX/XX/2023, I received a mail from Chase requesting additional documents to verify my business within a XXXX timeframe, as Chase stipulated was required by federal law. I complied by faxing the required documents on XX/XX/2023 as attached, and confirmed receipt with a representative named XXXX on the same day. 

However, on XX/XX/2023, I received the attached email from Chase Lending Services, again asking for the same documents within 14 days. I immediately called and spoke to XXXX XXXX XXXX, who directed me to submit the information via XXXX via the attached email, which I did promptly. I also received the attached email confirmation stating that my documents were received and that I would hear back within XXXX weeks. 

On XX/XX/2023, I received the attached letter dated XX/XX/XXXX, confirming my account was verified and open. To my surprise, upon checking my credit card account on XX/XX/2023, my credit card account at issue was closed. A call to Chase revealed, according to Representative XXXX, that Chase closed my account on XX/XX/2023, for failure to submit the requested documents, a claim contradicted by their own previous confirmations.
Product: Student loan

The following federal student loan or tech grant was discharge XXXX/XXXX/11 any collection regarding this matter is not valet or true especially after this date XXXX/XXXX/11. I have attach letter from the XXXX validating this information. Please remove any collection regarding this allegation of the student loan. If the student loan was paid and dismiss in 2011, any allegation of payment history after this date is a lied and Unreal. The entire student loan was paid in 2011. 

Forbearance Financial hardship, Illness was applied during the time XXXX was processing my application with forbearance, I was able to stop making payments or reduce my monthly payment for up to 12 months. 

Thank You
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I am submitting this complaint without any influence from any party or agency. Please see attachments/attached documents and id as it contains my full complaint and request.
Product: Credit reporting or other personal consumer reports

I am very DISTRESSED that your credit reporting agency refuses to delete accounts off my credit report that your agency illegally Published/Furnished accounts without my Permission/Consent nor did I give your agency any written instructions to do so as the law affords me this right to Privacy in accordance with FCRA 602 which states I have a right to privacy. Additionally, but most important FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions!

Please remove the ( 3 ) accounts listed below from my credit file immediately! 
XXXX ) XXXX XXXX # XXXX. 
XXXX ) XXXX  XXXX # XXXX. 
XXXX ) XXXX XXXX XXXX # XXXX. 
Also, just in case for some reason you choose to verify any of the ( 3 ) accounts that I want deleted from my credit report. In accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) in advance without delay I would like to request ALL the records used that reveal the procedures that led to the accounts if any to be verified/updated.

I also would like for you to send me the name ( s ) of the person ( s ) you spoke with their businees name, their address and telephone number ( s ) within 15 days after you conduct your investigation all of which is in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

I gave NO written instructions or any type of Permission / Consent for these accounts to appear on my credit report and your agency must delete the accounts immediately because your agency did not attain any permission from me before illegally furnishing this information without written instructions or any type of PERMISSION from me.