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

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX PA XXXX **RE XXXX DEMAND FOR IMMEDIATE DELETION OF ILLEGALLY REPORTED CHARGE- OFF** To whom it may concern, This letter is a formal demand for the immediate deletion of a negative Charge-off account that is being illegally reported on my credit file. I am well-versed in consumer law and the requirements for proper reporting, so i know when my rights are being blatantly violated. Let me be clear : if an account is charged off, the creditor MUST issue a 1099-C ( Cancellation of Debt ) form to legally consider the debt canceled or paid in full. 

You are reporting a charge-off without any evidence of a 1099-C being filed with the IRS, which deceptive , misleading, and a violation of the Fair Credit Reporting Act ( FCRA ) .Under 15 USC 1681s-2 ( a ) ( 1 ) ( B ), furnishers are required to update information and report accurately. If your reporting these accounts as a charge-off, where is the proof that the debt was charged off or canceled? 

Additionally, by failing to remove or correct this inaccurate information after my multiple attempts to d dispute it, you are in violation of 15 USC 1681i for failing to conduct a reasonable investigation into my dispute. According to 15 USC 1681e ( b ), you are required to ensure maximum possible accuracy in my credit report, and right now, your falling short.

I DEMAND that you either : 1 : Present me with proof of the 1099-C issued by the creditor, along with the cancellation of debt, OR 2 : Permanently delete these charge-off accounts from my credit report IMMEDIATELY!

I am not interested in receiving anymore of your generic responses claiming this information was " Verified ''. If it was truly verified, you would have already provided me with the 1099-C documentation. Since you have not, I know for a fact you can not validate this account.

If this matter is not resolved IMMEDIATELY, i will escalate this case to the Consumer Financial Protection Bureau ( CFPB ) and take action against Transunion for your continued willful non-compliance under 15 USC 1681n, and 15 USC 1681o for negligence. Consider this your FINAL WARNING to correct your reporting, or i will pursue damages and any other legal remedies available to me under the FCRA. 

Delete the inaccurate charge-off Now or face the consequences of your negligence and blatant disregard of my rights. 

This is your last opportunity. Take action, or i will! 

Sincerely, XXXX XXXX Charge offs are listed below : 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
Product: Debt collection

I'm getting three to four calls a day from either XXXX or XXXX about a debt that isn't mine. I've asked them to stop calling me and have told them I will not agree to be robo-called.
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. Over the past nine months, I have attempted to resolve the disparity that is reported for the various accounts below. 

XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX The information has not been verified and no original documentation has been shared with me for verification. The reporting balance, account closing date, and monthly payment history all report different information among the three bureau agencies. 

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 an 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: Debt collection

I am a victim of FRAUD! I am disputing the validity of the GoodLeap loan in my name that originated on or about XX/XX/XXXX. I am filing this complaint as a direct response to being notified by GoodLeap 's XXXX XXXX XXXX XXXX XXXX The FRAUD against me was committed by GoodLeap 's XXXX XXXX XXXX. I am XXXX XXXX XXXX XXXX  and I did NOT agree to this loan with the financed amount of {$47000.00} and {$150000.00} paid over time, ( 25 years ) is ridiculous. I will be XXXX or deceased by the expected payoff date. Also, I was never asked for a copy of my electricity bill and I never shared my personal information. My highest electricity bill is lower than the monthly payments on this loan. It just doesn't make sense. XXXX provided me with the name ( XXXX ) and phone number ( XXXX ) of XXXX XXXX to whom the funds were paid on my behalf. I called the number and left a voice message. I received a phone call back from XXXX XXXX XXXX XXXX XXXX informed me that he worked for XXXX XXXX XXXX XXXX XXXX  a sister company of XXXX XXXX. I have no idea of the checks and balances in GoodLeap 's Policies and Procedures to verify proof of work and customer knowledge and awareness of the agreement. I was approached by a gentleman telling me about the new government solar program FREE to XXXX XXXX He said he would return to complete the paperwork and send a crew to install the panels. He never came back but a few days later a crew did install the panels. However, the panels are attached to the roof only, without electricity and there is NO permission to operate by XXXX. This to me is proof that XXXX XXXX did the bare minimum to satisfy the requirements for GoodLeap to release funds on my behalf without my knowledge. XXXX and I have been communicating for months now and the only response is that the matter is under investigation. I have asked XXXX to pull the welcome call to identify who is posing as me. As of XX/XX/XXXX, XXXX is still unable to locate the call. I stand by the fact that I did NOT share my personal information with anyone and I did NOT provide a wet signature or an adopted XXXX XXXX XXXX on any device. It is clear that GoodLeap accepted this loan and paid money on my behalf that I did not request. The only solution to this problem is for GoodLeap to cancel the FRAUDULENT loan and make me whole by removing the panels from my roof restoring my roof to its original condition and removing all derogatory reports from my credit. GoodLeap has my permission to discuss this matter in full detail with XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit card

Somebody tried to open a capital one credit card in my name without my knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a private student loan from XXXX, serviced by XXXX XXXX in 2018. There was an error in the loan interest rate percentage, so XXXX closed that first loan and opened a new one with the correct interest rate. This caused a duplicate to appear on my credit report. I contacted all the bureaus in order to fix this duplicate. Both XXXX  and XXXX  marked the account as closed ( I believe it should have been removed because it is a non-existent loan at that point, but that's less relevant at this moment ). Experian, however, refuses to remove this duplicate account after their investigation and did not allow me to submit a reinvestigation. Recently, I refinanced my loan and submitted a reinvestigation request to Experian, which was accepted. However, their results came back as the same. This is undoubtedly false now, as the account is now closed with XXXX balance on it, and yet Experian is still claiming that there exists a balance of a little over {$43000.00}.
Product: Debt collection

National Credit System, they do not want to send any documents with my info. I dont see it on my credit report. Its affecting my life. They want me to file a identity theft. I dont see this on my credit. It took them a week for them to find me in there System. They told me to contact the apartment complex. The company with the number do not own the apartment complex anymore. The company never picks up the phone.
Product: Debt collection

XXXX agreed to remove this debt from my record. This should never have been sent to collections in the first place. It was a case of overbilling. I have paid my XXXX bills in full to them.
Product: Credit card or prepaid card

Chase bank pulled money from an unauthorized account which cause my XXXX bank to charge a penalty and a week long hold on paymnt for XXXX That would stop my available credit from resetting for a week after momey has been pull from my bank. I setup to pull from a saving account ending in XXXX. When the funds get pulled for the payment it has pulled from my checking account ending in XXXX. Which is account I have never setup or authorized with chase. Every with chase still show a saving account ending in XXXX, so do the active logs in the app. And my bank log show the money was pulled from checking from XXXX. I have called many times and ask to have the payments to not be held, and the available credit to reset like normal. With no luck.
Product: Credit reporting or other personal consumer reports

I Notified Experian that I am a victim if identity theft and that there are numerous errors on my credit report as of today. there errors and theft items are still reporting on my credit report.
Product: Credit card or prepaid card

XXXX I made an order for XXXX from XXXX  XXXX, Order never arrived so I processed to file a claim with XXXX  XXXX, company never got back to me so I did the next reasonable step and filed a dispute with the Discover. Discover says because XXXX XXXX has showed " proof '' that the item was delivered means that I have the item in my hands. That's ridiculous, I even told Discover that I filed a police report for the items I never got because I believe they must of gotten stolen but yet they still think I have them because XXXX XXXX shows that it was delivered, no signature, nothing. The tracking only says that " it was left out front '' how can the delivery company leave XXXX $ worth of items sitting out front. I live in a very bad part of town so the fact that they would do that just baffles me. 

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

In XXXX, the unknown debt on my TransUnion report was disputed and TransUnion had verified as accurate that the last payment was made on XX/XX/XXXX and the balance of {$3300.00} was reported correctly. The same year i requested mulltiple times to provide me the description of procedures that TransUnion 's used when they verified the accurancy. They never send me any description, as required by the law. 

After I notified the The Federal Trade Commission of the possibility of Identity Theft, they prepared for me a recovery plan to follow, step-by-step. XXXX of the steps was to notify TransUnion. 

On or about XX/XX/XXXX after TransUnion received my letter, they blocked this account. After 208 days, on XX/XX/XXXX, TransUnion sent me a notice that they just completed the investigation and they verified it belongs to me, and they reinserted it back to my consumer file. 

The information regarding this account were modified with different values. For example, The balance had dropped down, but the last payment is still XX/XX/XXXX. Please see the attached letters and the results of the investigation. I requested TransUnion to investigate this, and as of today, they still haven't responded me how come this got different balance amount now, when TransUnion verified the old balance was accurate? Since the reinsertion, I sent in total 7 letters pointing to this incorrect, not logical information. 3 were sent to the CEO of TransUnion. Neither I got description of ingestions. neither the account got deleted.

Please direct TransUnion, to provide me : 1. the last payment was made on XX/XX/XXXX. Then how did they verify the balance of {$3300.00} in XXXX was accurate, and how did they also verify as accurate the balance of {$3300.00} showing in XXXX? 

2. Why did it took 208 days to complete the investigation when they reinserted back this account?

3. What documents did they review when they concluded i am not victim of identity theft, and that i received benefits, money, goods, etc.

4. Did their investigation include the consideration of my special rights as a victim of identity theft? 

I really want to learn the methods of the procedures that were used when transunion verified the questions above as accurate. Mostly because the information that the Creditor has in his file don't match with the results of TransUnions investigation, and in a good faith I directly contacted the Creditor to solve this problem, and we both have entered into agreement that this balance is being reported incorrect. In addition, this incorrect reporting by TransUnion, made few creditors to deny me credit, and inability to obtain loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraudulent and unknown to me. 
I have reached out to the furnisher and they are unable to validate this debt as mine
Product: Checking or savings account

My bank account was hacked so informed Wells Fargo they closed the account so I thought they still allowed other individuals i did not know use the account there was transfers withdrawals and loans opened in my name with out my permission and every time I try to resolve the issue Im place on hold and left on hold for hours there all apart of the scam
Product: Credit reporting or other personal consumer reports

Subject : URGENT DEMAND FOR IMMEDIATE CORRECTION OF CREDIT REPORT INACCURACIES Dear Sir/Madam , This letter serves as a formal demand for the immediate correction of inaccurate and outdated personal information appearing on my credit report with XXXX, XXXX, and Experian. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are legally required to investigate and correct any errors without delay. Failure to comply may result in legal action.

Upon review of my credit report, I have identified several discrepancies that must be corrected immediately. 
Additionally, the following reporting inaccuracies require correction without delay : Open dates Last reported dates Comments Date last active Date of last payment Payment History I have enclosed supporting documentation that verifies these inaccuracies. Per FCRA regulations, you are required to conduct a proper investigation within 30 days and correct these errors. If this matter is not resolved promptly, I will have no choice but to escalate this issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Furthermore, I demand written confirmation once the corrections have been made and require assurance that the corrected information is updated across all creditors and data furnishers who have received the erroneous data.
Product: Debt collection

To whom it may concern, My name is XXXX XXXX. Im requesting assistance with getting this account resolved. I have been trying to speak with someone however Ive been getting the round around. 

During the pandemic XX/XX/XXXX, I received a letter from XXXX XXXX offering me an opportunity to settle my account for less than the amount owed. The agreed amount was {$1200.00}. I paid that amount on my XXXX ending in XXXX. It was posted to my account as XXXX XXXX on XX/XX/XXXX I contacted XXXX XXXX and I spoke with XXXX XXXX on Tuesday XX/XX/XXXX. I advised him that I wanted to settled the account based on the letter I received. 

It was understood and recorded, I even spoke my name and authorized the payment to be debited for the purpose of settlement. 

After the payment was taken from my account, I waited for a receipt in the mail along with the letter stating my account had been settled based on then information of the Customer Service representative. 

It never came. I disputed on my credit report and the only thing happened was the amount updated. 

None of my credit reports are accurate regarding XXXX, the payment and overall history is inaccurate. 

This account is affecting my livelihood. My employment is contingent on a clean credit file. I can NOT have this account reporting negatively or my employment is in jeopardy.
Product: Mortgage

Im having problems dealing with the company Bank of America. I have a mortgage on a property at XXXX XXXX XXXX, XXXX, Ma. A XXXX XXXX tax payment was missed last XXXX. When I went to pay taxes online the taxes were no longer there to be found. I assumed it would just be added to my next real estate bill. ( My real estate taxes last year were, {$6500.00}. ) On XX/XX/XXXX, I received a bill from Bank of America, my Mortgage XXXX, saying I owed {$3200.00} which I then paid online on XX/XX/22. I received another bill for {$2100.00} which I again paid online. This totaled {$5.00}, XXXX. I talked to customer service and was told my payment would revert back to the normal monthly payments. 
I paid my usual {$960.00} then I checked my online bank statement the next day. I saw that Bank of America had taken {$3100.00} which was most of my Social Security check. I never gave Bank of America permission to remove this sum from my bank account. 
The total amount I paid to Bank of America for XXXX was {$8.00}, XXXX. I called my bank, XXXX and they said Bank of America has no authority to go into my bank account. 
I talked to the XXXX of XXXX Treasury Department. They said they did not give over my real estate bill over to Bank of America or place a lien on the property. The XXXX Treasury said something seemed suspicious and I should contact the Attorney General ( which I did ). Bank of America appears to have taken out an escrow account without my knowledge or approval. I have talked to numerous Bank of America Customer Service XXXX but cant get any concrete information. 
My mortgage payment has gone from {$960.00} per month to XXXX per month. No one can explain to me how that was determined. This payment seems to be set to continue for the next 15 years. Property taxes are paid twice per year in XXXX and amounted to {$6500.00}. I need guidance and help with this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion refuse to move public records off my credit report. I submitted my dispute on XXXX and XXXX XXXX, and Transunion had my results on XXXX. They didn't reinvestigate anything. I asked for the contract with my signature on it. They failed to send me any information validating where they received their information from. I submitted a letter from the XXXX court stating they don't report or validate anything to the credit bureaus. I asked that XXXX XXXX, and Transunion remove this public record off my credit report asap. My race and age is playing a big part of XXXX XXXX, and Transunion unfairness. I have submitted all the proof they need several times. I need this issue resolved asap. XXXX XXXX, and Transunion is very XXXX and doesn't put accurate information on certain people credit report.
Product: Credit card or prepaid card

In XX/XX/XXXX Capital One closed my credit card account " due to inactivity ''. This were my oldest credit accounts and has negatively impacted my credit score by over 100 points. 

My credit card from Capital One was opened in XX/XX/XXXX. My last payment on the card was XX/XX/XXXX and it was closed without my consent on XX/XX/XXXX. 

Why all of a sudden did they close it after nearly 7 years of inactivity?? 

I did not receive notice that they were going to close my account. I have called them numerous times to try and have my account reopened and they are denying the request " due to their policy ''. 

I can understand closing an account due to inactivity but I think there should be a way to reopen the account and start using it again. Especially since the credit score system calculates your " credit age '' only based on your accounts that are currently open.

I have seen online that other people have successfully had their accounts  reopened by filing a CFPB complaint and am hoping to make some progress in recovering the last decade of my credit history.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I found an add on XXXX market place for a home for sale for {$500.00}. I emailed the man who posted the add and he told me he moved stated and was looking for someone to take over payments of his house. I was extremely interested. He emailed me an application which I filled out and returned. On XX/XX/XXXX I was told I was selected to move in and I was required to wire my deposit of {$1000.00} to his account. I sent the money and it processed through. I went to the home to look at the area, he told me I wouldnt be able to go inside but he would send me the keys as soon as soon as he could ( it was a Sunday so Im assuming he would send them Monday. ) When I went to visit the home a neighbor came out and I explained my situation and she told me I am the second person to come through for a false add. He was using another mans identity. I contacted the real realtor and he apologized, for he has tried to take down the adds for the house online but they keep popping up. I contacted Chase for a refund but since it was through XXXX with XXXX through Chase I am unable to get any money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some issues of unrecognized addresses and accounts reporting that do not belong to me. Please delete the following addressses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have a few problematic account that I have never done business with the following companies : XXXX XXXX XXXX , XXXX  XXXX XXXX  I believe that someone has used my name to open up utilities and cable in one  of the fraudulent addresses above.
Product: Credit reporting or other personal consumer reports

Under 605B, the swift removal of this account is necessary. I am quite upset about its presence on my credit record, so I implore you to kindly erase this account, as it is not associated with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. XXXX, Equifax, and XXXX failed to produce an investigative report on XXXX XXXX aka XXXX XXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.