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

**Tax Treatment by the IRS** : - The IRS generally considers canceled or forgiven debt as taxable income. According to IRS regulations ( IRS Publication XXXX ), canceled debts are generally includible in gross income. **Tax Law and Code** : - The relevant tax law governing canceled debt is outlined in the Internal Revenue Code ( IRC ) Section 61 ( a ) ( 12 ). This section states that gross income includes income from discharge of indebtedness. The CRA 's have violated my consumer rights with illegal and improper reporting causing EXTREME DAMAGE to my accounts ( Estate ). This ADVERSEACTION, that is what it is PERIOD, coupled with the illegal XXXX XXXX XXXX and Universal Default fraud of sharing PRIVATE and PERSONAL information ILLEGALLY obtained has injured my PERSON and the individual Agent/Accommodation party
Product: Credit reporting or other personal consumer reports

Firstly, I emphasize that my right to privacy is paramount, and I am exercising this right through this dispute letter. As per 15 U.S. Code 1681 ( a ) ( 4 ), you are obligated to act with fairness, impartiality, and respect for consumers ' privacy. I am asserting this right under the stated law and expect that the information in this letter will be handled with the highest degree of fairness, impartiality, and respect for my privacy.

Additionally, under 15 U.S. Code 1681b regarding permissible purpose, I have never granted this company any such authorization. As a result, they are in direct violation of this law. I request the immediate removal of this account from my credit report, as it negatively affects my reputation, character, creditworthiness, standing, and capacity. Given your responsibility to protect my privacy, I expect this matter to be resolved with the utmost urgency. 



XXXX XXXX XXXX & XXXXXXXX XXXX XXXXXXXX
Product: Credit card

On XXXX XXXX @ XXXX, I made a {$460.00} cash payment at a local Bank of America drive-thru. Approximately 2 weeks later I got an overdue statement in the mail. I went into the bank, with receipt in tow. I was assured they 'd take care of it. After no results, I went into another location on XXXX XXXX, and was told that if I were to return to the original location, they should be able to correct the mistake on the same day. So, I did. I arrived @ XXXX and spoke to the Assistant Manager, XXXX XXXX XXXX who remembered I had been there and she said that she could not do anything. She had a personal banker call into customer service with all information, letting them know that she confirmed that it was due to a teller error and no fault to me. She told me that it would be cleared and all fees and negative reporting would be removed. Furthermore, XXXX, claimed that she would follow this herself to ensure that it is restored. Today is XXXX XXXX. I have been unable to use my card since before XXXX XXXX, and now, I have received a letter stating that proof of my claim is required. I am now left wondering if my payment was in fact stolen, as I am being treated with contempt. I have had this card with a very large credit limit, in good standing since 1997. I am afraid to make further payments and hope that someone will help me to straighten this matter up.
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. 

Account name : XXXX XXXX XXXX ; Account name : XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX Account name : XXXX XXXX, XXXX, XXXX ; Account name : XXXX XXXX ; Account name : XXXX XXXX ; Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, XXXX ; Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, XXXX ; Account name : XXXX XXXX XXXX 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.

15U. 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 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 reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Product: Debt collection

i have a collection from sequium asset solutions, I've never heard of them nor have done any business with them, it says XXXX XXXX but I've never got a phone through them.
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.

has violated my rights. Or list of inquiries 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: Credit card

Dear American Express Customer Service Team, I hope this letter finds you well. I am writing to address the recent denial of my credit application with American Express. According to the provisions outlined in the U.S. Code, specifically 15 U.S. Code 1691 and 1602, it is unlawful for any creditor to discriminate against an applicant who has in good faith exercised their rights under this chapter, including the right to address concerns regarding credit transactions.

The term " applicant, '' as defined under 15 U.S. Code 1691 ( b ), encompasses any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit. I believe my application was unfairly denied due to circumstances beyond my control. Specifically, my social security card was used in a transaction from which I received no benefit, qualifying it as an unauthorized use under 15 U.S. Code 1602 ( l ) and ( p ). This unauthorized use should not reflect negatively on my creditworthiness or eligibility for credit.

As a consumer, I am entitled to fair treatment in credit transactions, including the right to have my application reconsidered in light of these circumstances. I kindly request that you review my application again, taking into account the protections afforded to consumers under the law.

Enclosed with this letter are copies of the relevant sections of the U.S. Code for your reference.

Thank you for your prompt attention to this matter. I look forward to your response and the opportunity to discuss this further. 

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

n accordance with the Fair Credit Reporting acts, has violated my rights. 

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 XXXX XXXX XXXX XXXXXXXX 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
Product: Debt collection

I just recently became a new XXXX XXXX of USA for the very first time and was granted my XXXX XXXX Status as of XX/XX/XXXX. I received my SSN Card in the mail 2 weeks after I arrived in the country which was again XX/XX/XXXX. The Issue date on my SSN is dated for XX/XX/XXXX, along with my XXXX XXXX  card that also confirms and states " Resident Since XX/XX/XXXX which is XX/XX/XXXX. That being said to my surprise I noticed a new Collection Account on my Credit Report that was placed on XX/XX/XXXX, for {$630.00} to XXXX XXXX, with the original creditor being XXXX XXXX XXXX XXXX and indicating the Open Date of this collection account is dated for XX/XX/XXXX. That being said seeing how I was only granted my XXXX XXXX on XX/XX/XXXX and arrived to this country on XX/XX/XXXX. It is impossible that I was in the country last year XXXX. That being said. I tried contacting both the Collection Account and the Original Creditor ; the hospital and to my surprise, The name on the original Collection Account has an incorrect name to be mine. Along with an address that was indicated on the account for last year XXXX, which I never lived at. After several going back and forth with both the collection account and the original creditor, I was able to get the account number associated to this collection account it being ; XXXX. That being said I tried several attempts at speaking with XXXX XXXX XXXXXXXX XXXX Billing and the Collection Account XXXX XXXX and in ALL attempts I have not been helped in having this issue resolved. I also did want to mention that this collection account is also replicated on my XXXX, TransUnion and XXXX on both my Fico and XXXX. Please see the attached documents I have provided one of which includes my XXXX XXXX Card that I received from XXXX  which clearly indicates what I mentioned previously, Resident Since XX/XX/XXXX, which is XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX, 2023 OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 
I am demanding a deletion of the following account : Accounts Name - XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX, NJ XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Resident XXXX complex XXXX XXXX XXXX XXXX, NY XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX, NY XXXX Resident typeSingle XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, NJ XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX NJ XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Resident typeSingle family THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Product: Debt collection

XXXX XXXX XXXX received a garnishment letter from Michael J Adam 's PC to take XXXX dollars out of my Savings account for a dept I Have no ideal about. Nothing here in XXXX XXXX is on file for court they gave me the firm number on file XXXX no one answer or return calls I have called over XXXX times this Michael J Adam 's is doing this to alot of people just look at the reviews XXXX XXXX XXXX can't tell me nothing I don't know what's going on I can't talk to no one my money is gone this is all I have is a fake number XX/XX/year> XXXX XXXX XXXX will turn over the money to them I took the rest of my money out my account XXXX XXXX gave me this information to contact yall please help me I needed that money
Product: Credit reporting or other personal consumer reports

Contacted Experian and XXXX in regards to the validity of the bankruptcy associated with my credit report. This information is not accurate. There is a Bankruptcy report and accounts associated with the bankruptcy that need to be removed, due to the Creditor not complying with the law on how this was shared to my creditor. I have enclosed proof through XXXX XXXX that this information is not in my file for my credit. I obtained my credit report from you and there were U. S. Bankruptcy Court items listed. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed XXXX XXXX and Experian Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days. Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the XXXX XXXX and Experian Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of all three reporting agency and noticed that they are not accurate all three have different information also some collections agency have been calling and violating my right under the act 15 U.S.C Sec. 1681i ( a ) i would like these collections DELETED and all three reporting agency accurate. I have previously requested that you investigate this information, and now my credit is being damaged i also would like all HARD INQURIES DELETED please update info. 
XXXX XXXX XXXX Original creditor XXXX XXXX. 
Balance {$1700.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$1900.00} Balance updated XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unauthorized inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be deleted ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2017 I cancelled my gym membership with XXXX XXXX. Cancellation confirmation was provided in writing by XXXX and a copy was provided to ABC Financial. Attached with this complaint for your records and investigation into ABC Financial is a XXXX dated email and confirmation of cancellation letter confirming the gym membership was cancelled. Despite the fact that this cancellation was confirmed, ABC financial contacted me by telephone and harassed me with collections notices demanding payment for a cancelled and confirmed gym membership. ABC Financial called me repeatedly and did not stop calling after I advised them to stop. Emails notifying ABC Financial where consent was revoked ( See XXXX XXXX v. XXXX XXXX XXXX ), which includes the Federal Trade Commission being copied on email as well. Consent revoked is an absolute violation of the TCPA. I've also included voicemail messages with this complaint that clearly shows calls were made after consent was revoked. 

ABC Financial attempted to collect debts that were not owed and threatened to take actions that can not legally be taken. In addition, ABC Financial failed to send a notice summarizing debt within 5 days of my written communication.

In sum, ABC is LIABLE under state and federal law, for violating the FDCPA, TCPA and FCRA.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I have a inquiry from Credit Plus and I did not apply for any credit card or loans from no company.
Product: Vehicle loan or lease

PLEASE NOTE THAT I COMPLETED DEFAULTED/ GIVEN CHOICE ANSWERS TO THE BEST OF MY ABILITY IN ORDER TO SUBMIT. 
On XX/XX/2019, I received an email from Capital One Auto loan thanking the person for enrolling in online payments. I do not and have never had an auto loan/lease with Capital One. I called Capital one several times as well as submitted emails informing them that this account does not belong to me, however this is my email address. I received no assistance and no response via email. 

After several calls and explaining the situation several times to several people. Capital One informed me that there is nothing they can do as I did not have the person 's full account information. My concern is that this person maybe using my information without consent. Additionally, I continues to receive such emails from Capital One. The most recent one, on XX/XX/2019 saying that payment has not been received. 

The account belongs to a XXXX XXXX The account number shown on email is : XXXX This is for a auto loan/lease. 

I would like to know if this person is using more than my email address and for this issue to be rectified as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint against Ad Astra Recovery services through CFPB ( XXXX ). Part of their response was : 1. ) " Within five days of receiving the account, a validation letter was mailed to the address we had on file from our client. '' 2. ) " Following a review of the consumers complaint, Ad Astra could not find any instance of failing to provide validation to the consumer. '' 3. ) " Our client has since confirmed the ACCURACY of the information and the amount owed for the account. We have researched our records and the current records of our client and determined that there is NO INCONSISTENCY with the data we are reporting to the credit reporting agencies. '' Unfortunately, I have looked at my latest reports from XXXX and XXXX, and found that inaccuracies and inconsistencies are being reported on my credit by Ad Astra : 1. Ad Astra Recovery is still reporting two different " Dates Last Active '' to XXXX and to XXXX. 
2. Ad Astra Recovery is reporting two different " Dates Opened '' to XXXX and to XXXX. 
3. Ad Astra Recovery is not reporting a past due amount, credit limit, No. of months ( term ), Date of last payment, or monthly payment.

Ad Astra has an obligation under the FCRA 's " furnisher rule '' to not report information they believe to be untrue or inaccurate or that they've been told is untrue or inaccurate. These inaccuracies and inconsistencies have led me to believe that Ad Astra has NOT researched and verified this account in violation of my rights.

Needless to say, their willful and continued disregard for the law has caused me damages.