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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$8000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to request clarification and further information under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a, which defines key terms and requirements related to consumer credit reporting.

In accordance with the FCRA, I would like to understand the following points regarding the data and practices associated with my credit report : XXXXXXXX XXXX  is reporting inaccurate information on my credit report saying late payments is late when that is incorrect The late payment is showing different dates as inaccurate information on my report Please provide a detailed response to my request within the time frame allowed under the FCRA, or inform me of any further actions required to process my inquiry. I also request that you ensure my consumer rights are fully respected and that any erroneous or misleading information be corrected, as stipulated by law. 

Thank you for your attention to this matter. I look forward to your prompt response
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRIES DATE WASNT AUTHORIZED BY ME : XXXX XX/XX/2022 XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I closed an account with XXXX XXXX of Ohio on XXXX XXXX XXXX, when I sold a house. I disputed the final gas bill and on XXXX XXXX XXXX received a final bill for {$39.00} which I paid on XXXX XXXX XXXX. On XXXX XXXX XXXX I received a notice from XXXX Special Accounts Department ( XXXX ) notifying me that the previously disputed {$26.00} was owed. I contacted that office and informed them that I had received and paid a final bill totaling {$39.00} and after speaking with a supervisor XXXX agreed the notice was in error. Today XXXX XXXX XXXX I received via XXXX mail, a notice from Affiliated Credit Services stating my previous account with XXXX XXXX was in collections and that I owed {$26.00} on the account. The notice stated I was to contact XXXX XXXX at XXXX to arrange payment. I called XXXX Special Accounts Department immediately to find out why this had happened. This department claimed they had no record of any contact with me prior to today. I 'm unsure if the notice from Affiliated Credit Service is legit or not. If it is legit then it seems apparent to me that XXXX left hand does not know what it 's right hand is doing. I have had no luck in dealing with XXXX XXXX even after paying their final bill in full. Perhaps you folks can get to the bottom of this. I can only imagine what this must be like for some elderly person to go through all this harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX. ( Please see pages attached from my credit report along with a copy of a spreadsheet of accounts for reference. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX, has violated my rights. 

15 U.S. Code 1681 602 states : I have the right to privacy XXXX XXXX Code XXXX XXXX Section XXXX : A consumer reporting agency can not furnish an account without my written instructions. 

15 U.S. Code 1681a - Definitions ; rules of construction Exclusions- Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S. Code 1666b - A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inclusion of Income Information on Credit Report Dear CFPB, I am writing to file a formal complaint against Transunion for including income information on my credit report, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). Enclosed is documentation of my previous inquiries request for Investigation and reinvestigation for the XXXX XXXX XXXX  it has been updated the pay status as charged-off which is considered income. 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 the reporting of this account inaccurate! I provided a screenshot from the IRS website. By XXXX, the IRS Clearly says a Cancelled debt or Charge-off is XXXX. 

Upon reviewing my credit report I got from Transunion today XX/XX/year>, I noticed that income information has been reported. According to the FCRA, specifically 15 U.S. Code 1681b ( b ), consumer reporting agencies are restricted in the type of information they can include on a credit report. The XXXX does not permit the inclusion of income information as part of a consumer 's credit file. The presence of this information on my credit report is therefore in violation of federal law. 

Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the inclusion of income and my identification documents. 

I am demanding a deletion of the following account : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion 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 5 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 items of information contained in a my file at TransUnion is 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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, require the TransUnion Credit Bureau to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}
Product: Credit reporting

There is a negative mark against me that should have been taken off years ago!
Product: Credit reporting or other personal consumer reports

These account that are showing in my credit file Are not addressed to me in any way, ,so how is experian reporting inaccurate information under my name and social,,, I didnt open these account,, by law these account are not verfiied to me,,, I even ask them to send me a copy of the 1099 C and they refused to send it,,, these accounts needs to be removed from my credit report,,, not open by me
Product: Credit card or prepaid card

I have three Credit Cards with Capital One and have been having issues since XX/XX/XXXX with my online services. Anytime you open an new account ( credit card, savings, auto, etc. ) online you are required to create a new user ID and password. I have never had a problem with this because you can combined the user accesses into one login, until now. I have contacted Capital One over five times and have gone into the branch to try and resolve this. They can not  combined user access only the customer can. I have made several complaints but absolutely no one is contacting me. I have to be the one to call capital one and check on my status. This is getting old. Today I called again to inquire about it and they informed me there was noting they could do after being on the phone for over an hour. I asked to speak with someone else and they put me on hold and then they hung up on me. The customer service is some of the worst I have ever dealt with. This case was first opened on XX/XX/XXXX escalated on XX/XX/XXXX.  My ticket number that they are working on is XXXX. Also, another reason I want to combined user accesses is because I am trying to combined my two business credit cards into one. They both have an annual fee on them and if I get charged the fee on both then I am going to be very upset especially since I have been trying to resolve this issue for several months.
Product: Checking or savings account

USAA allowed someone using my name to open and use a credit card. The identity thief used the credit card to charge $ XXXX for airplane tickets in the XXXX XXXX. USAA, with which I insure cars, ( a ) on XXXX XX/XX/2022, denied the credit card, and ( b ) on XXXX XXXX XXXX, debited my XXXX  checking account in the amount of $ XXXX. XXXX did not recognize and allowed this unusual debit and did not notify me that it had occurred. When 'd I discovered it, I immediately notified both XXXX and USAA of this error, and I've diligently tried to get both XXXX and USAA to cooperate with me in securing the return of the erroneously debited $ XXXX. Both XXXX and USAA have practiced avoidance and neglect in regard to the correction of this error within the XXXX  system. USAA in particular has supplied XXXX  with incorrect and misleading information so as to get XXXX to deny and close my XXXX  Dispute. Neither XXXX nor USAA have practiced customer service ; both companies have taken advantage of me ; both companies use the pandemic as an excuse.
Product: Credit reporting or other personal consumer reports

I have XXXX  XXXX charge offs on my credit report. These accounts have been paid in settlement and were to be removed per the settlement they are not only still only report they are showing continous charge off every month and a past due balance. 

This is gross inaccuracies and the accounts must be removed per FCRA
Product: Payday loan, title loan, personal loan, or advance loan

I got a credit builder loan ; whereas, I don't receive access to the money until the end of the loan payments. I tried to connect my new bank account on its " site so payments can be automatically debited but it does not allow. However, the same bank account I tried to connect for payments to be debited is the bank account that is connected to funds deposited.

This cause high stressed as online support was not helpful and I would not get the max of my installment loan after paid. I in-fact receive the amount that was deposited from my old bank account, but the site won't let me update my account information and charge-off my account on my credit report when it still provided a deposit into my account it wouldn't let me connect at the end of the loan terms.
Product: Debt collection

On XX/XX/XXXX2025 ( date my wages was garnished as I never received an actual court order ) against me, XXXX XXXX for an alleged debt. 


I, XXXX XXXX contacted my Department XXXX  XXXX XXXX and they provide me with the order provided to them from XXXX XXXX XXXX, Court Officer. XXXX XXXX XXXX XXXX is located at XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX When, I XXXX XXXX received the paperwork from the Department XXXX XXXX XXXX I notice that the judgment dated XX/XX/XXXX and the court issued dated was XX/XX/XXXX. I, XXXX XXXX was never notified or received any paperwork of either of these dates. 


I, XXXX XXXX contacted Portfolio Recovery to request a tracking number for the documents I was suppose to receive and they did not have such information. I, XXXX XXXX also contacted Court Officer XXXX XXXX XXXX and there was no response. 


On XXXX XXXX, 2025, I XXXX XXXX received a letter from Portfolio Recovery Associates , LLC dated XX/XX/XXXX informing of a Notice of Application for Wage Execution after they had already taken the wages on XX/XX/XXXX. 


XXXX. Failure to Provide In accordance with New Jersey Court Rules and the FDCPA, before garnishment, can proceed, a debtor must properly notified of the judgment and the garnishment order. Specifically : XXXX XXXX XXXX, the debtor must be given proper notice of the right to request a hearing to dispute the garnishment. 


The FDCPA ( 15 U.S.C. XXXXg ) requires to the creditor to notify the debtor of the debt and provide an opportunity to dispute it before taking legal action to collect it. 


In the case, Defendant XXXX XXXX was not served with proper notice, nor was there a meaningful opportunity to contest the garnishment before it was executed.
Product: Debt collection

Resurgent reached out to me Frist in XXXX of XXXX about a debt they had purchased from XXXX  XXXX XXXX  in XXXX of XXXX XXXX XXXX had notified me in XXXX of XXXX of the sale of the debt. I reached out to Resurgent via the number provided by XXXX XXXX and got no response in relation to the debt. Resurgent Failed to take over the debt, verify the debt or contact me in any way shape or form for 6 months. Way over the allowed timeline. 

In addition to this up until XXXX of XXXX XXXX  XXXX was still reporting to the credit bureau and Resurgent had not reported that they were the owners of the debt in question. Resurgent just now report the debt to the credit bureau as past due in XXXX of XXXX almost a Full year after their purchase of the debt. 

Resurgent actively denied my rights to dispute the debt within an timely manner and were unresponsive. They did not follow proper procedure and did not report accurately to the credit bureaus. 

Credit one also did not properly protect my information as a client and sold my email to Resurgent. I never gave authorization to XXXX  XXXX to misuse my information and Resurgent never verified how they received this information Attached you will see the credit report from XXXX  showing this account was not reported Till XXXX of XXXX. 

You will also see the email from Resurgent date XX/XX/XXXX and them stating they have owned this account since XXXX of XXXX.
Product: Mortgage

Village Capital has not contacted me in over 3 weeks on a request for a streamline refinance. I have been calling Village Capital for over 3 weeks as my wife was XXXX  due to XXXX trying to do a streamline refinance. I constantly receive offers in the mail to do this and need the help. Each time I call I am told that someone will call me in a few hours and no one every does. I have called over 4 times and each time are told the same. I have requested a manager and was told there were none working but they would have one call me. Again no call.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized and Inaccurate Credit Reporting, Failure to Validate Debt, FCRA, and FDCPA Violations by XXXX XXXX XXXX XXXX, and Experian on Behalf of myself, XXXX XXXX 1. Complaint Details : I, XXXX XXXX, has discovered multiple violations regarding her charged-off XXXX XXXX XXXX credit card account , which has been inaccurately reported by both XXXX and Experian. Additionally, XXXX XXXX XXXX has failed to meet their legal obligations under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and we have reason to believe they may no longer own this debt due to securitization.

Key violations : XXXX XXXX XXXXXXXX charged off this account in XX/XX/year>, yet both XXXX and Experian continue to report late payments post charge-off, creating the false appearance of continued delinquency. 
XXXX XXXX XXXX has failed to provide any 1099-C cancellation of debt, suggesting they may be double-dipping on tax write-offs while reporting the debt inaccurately. 
XXXX  XXXX XXXX own XXXX filings indicate that debts such as these are often securitized and sold to third parties, meaning they may no longer own the debt they are reporting. Reporting a debt they no longer own is a violation of the FCRA and constitutes unauthorized reporting.

No proper debt validation has been provided, despite repeated requests. 
XXXX and XXXX reporting is inaccurate and does not align with the FCRA requirement to report only complete and accurate information.

2. Violations and Legal References : The following legal violations are applicable : FCRA 611 ( a ) Duty to reinvestigate disputed information.

FCRA 623 ( a ) ( 1 ) Duty of furnishers to report accurate information.

FDCPA 807 Prohibits the use of false or misleading representations.

IRS Code 6050P Requires creditors to issue a 1099-C cancellation of debt for any forgiven debt over {$600.00}. 
Breach of Contract XXXX XXXX XXXX failure to adhere to their credit reporting obligations outlined in their credit card agreement and arbitration clause.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$620.00} ; XXXXT XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have hard inquiries from XXXX XXXX and JPMCB Card service that I did not authorize and want them took off my credit report
Product: Debt collection

I received a letter in the mail from JP Recovery Services , Inc, indicating I owe {$110.00} to XXXX XXXX XXXX for services that I did not incur.
Product: Vehicle loan or lease

On XX/XX/year> I requested Westlake Financial to move 2 late payments to the back of the loan and to let me catch up on a partial payment on XX/XX/year> of approximately {$350.00}. My car was repossessed the following day ; I believe because of this reason my car was repossessed with wrongful intention now they are asking me to pay fees that I had made a prior payment arrangement for plus towing fees.
Product: Debt collection

these accounts have been reported on my credit are not mine this company has received the police report and id theft affidavit along with my identitfication i have attached it via the cfpb and I have emailed it as well and they have refused to recognize or recieve the information that has been sent to them regarding the accounts with their company that are fraudulent
Product: Credit reporting or other personal consumer reports

The laws established by XXXX to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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