23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing this complaint to address multiple credit report inaccuracies and instances of potential identity theft. 

Unverified Debt and Lack of Proper Documentation : I have noticed a credit card account reported by First Progress that has been charged off. Despite this action, I never received a 1099-C form for the alleged cancellation of debt as required under IRS regulations . I request that XXXX XXXX provide a copy of the 1099-C form if this debt was indeed canceled. Otherwise, this account should be removed from my report for non-compliance with reporting requirements. 
Unauthorized Collections Accounts : The following collections accounts have appeared on my credit report, which I believe are fraudulent and not my responsibility : XXXX XXXX  {$5000.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX {$3700.00} ( Original Creditor : XXXX ) XXXX {$3400.00} XXXX XXXX  {$300.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Funding {$220.00} ( Original Creditor : XXXX XXXX ) These accounts have not been validated with proper contractual agreements showing I owe these debts. Under the Fair Debt Collection Practices Act ( FDCPA ), these should be removed if validation is not provided.

Unauthorized Hard Inquiries : My report includes several hard inquiries that I did not authorize. The following inquiries are listed : XXXX ( multiple inquiries between XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX Financial XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit authorization, and these entries violate my rights as a consumer. 
Victim of the XXXX XXXX XXXX : I was affected by the XXXX data breach, which exposed my personal information. As a result, I am at increased risk of identity theft. The fraudulent activity on my report may be linked to this breach, and I have taken the recommended step of filing an identity theft report. This report should be considered as evidence that fraudulent accounts and inquiries may have been opened without my knowledge or consent.

Requested Resolution : I request that : All unauthorized inquiries be removed from my report.

Any collections accounts without proper debt validation or contractual agreements demonstrating my liability be deleted immediately. 
The charged-off XXXX XXXX account be reviewed for compliance with tax reporting requirements, and I be provided with a 1099-C form if applicable. Otherwise, this account should be removed for non-compliance.

I ask that all actions be taken in accordance with my rights under the FCRA and FDCPA, ensuring my credit report is accurate and free from fraudulent activity.
Product: Vehicle loan or lease

Dear XXXX XXXX I am writing to formally dispute the reporting of late payments on my credit report, as I believe they are inaccurate, unfairly reported, or do not meet the standards set by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681a and my right to dispute and correct information.

The details of the disputed account ( s ) are as follows : Creditor 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 ] Under the FCRA, credit reporting agencies are required to ensure that all reported information is fair, accurate, and verifiable. If the reported late payments can not be verified as accurate and fair, I request their immediate removal from my credit report. 

Additionally, I ask that you provide the method and evidence used to verify these late payments, as required by law. If you can not provide documented proof, I request that these late payments be deleted in accordance with the FCRAs accuracy and fairness provisions.

As required under the FCRA, I expect a response within 30 days from the date of receipt of this letter. If these errors are not corrected, I am prepared to escalate my dispute further.

Please confirm receipt of this request and notify me of any updates regarding this dispute. You may reach me at the contact information provided above. 

Thank you for your prompt attention to this matter.
Product: Debt collection

On X/XX/17, I purchased a property from XXXX. Shortly, thereafter, I was called by a representative from Kondaur Capital Corp. stating they held a senior loan on the property ( taken out by XXXX XXXX, deceased ) that I purchased and demanded I complete a payoff to prevent foreclosure of his mortgage. ( Neither me or my corporation have any contractual obligation for those debts. ) During our email conversation, I instructed both both the representative, XXXX XXXX, and the main office that I only wished to be contacted in writing to the address listed on the state of Florida 's Division of Corporation for my corporation. However, they continue to email me to threaten me with foreclosure and to pressure me into accepting their offer for {$3000.00} in exchange for my deed in lieu of foreclosure for a property that I have over {$70000.00} invested in. Because I have consistently declined that offer and have stated that there would never be an acceptance of such an offer, continued emails to make such an offer are harassment, which is illegal. The most recent email came in yesterday at approximately XXXX XXXX. I want this activity to stop and for KCC to be held accountable to the fullest extent of the law for their unlawful debt collection practices.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. despite my submission Equifax consistently responded within 24 hours stating the account is accurate without providing any evidence of a thorough investigation this practice violates the Fair credit reporting act ( FCRA ) 15 USC 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifax action may also contravene the Consumer Financial Protection Act ( CFPA ) 12USC 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( file No, 2025-CFPB -0002 ) against them for similar violation. I request that the CFPB take action to ensure Eqifax complies with federal law and provides consumer with the necessary proof of investigation.

These are the accounts that I marked as inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I got letter from Midland Credit Managment inc saying that I owe them XXXX $ which I do n't. and the original creditor was XXXX in South Dakota. I never got any credit from that bank or had any bank account. And never been in South Dakota. They threatening me that they will report me to credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Money transfer, virtual currency, or money service

I had accidentally transferred {$500.00} to a number that was XXXX digit off by accident to Zelle. When I asked the bank to fix it they stated Zelle is non refundable but there was no fraudulent transaction message at this point. My money was stolen and I never received a refund or reimbursement back.
Product: Credit card

XX/XX/XXXX, Home Depot gave us an estimate to have our kitchen cabinets refaced with a guarantee that they would match any lower price. In our research we found that XXXX could give us a brand new kitchen for XXXX less. When we asked Home Depot to price match they refused. I therefore cancelled the contract for the cabinet refacing and supposedly Home Depot removed from my account the {$15000.00} charge from my Home Depot credit card. XX/XX/XXXX, I was notified that I still owed interest on the {$15000.00}. I have made several attempted to get Home Depot Credit Services to remove the {$3800.00} in interest charges from my account, but they keep telling me that will only do that if I pay {$4800.00}. This does not make any sense to me as a consumer. No work was done by Home Depot at my except for the measuring of my existing cabinets for the task that was never completed. For two years my statements from Home Depot never showed a balance over {$8000.00}. Then all of a sudden a balance that was at {$5000.00} jumped to {$8800.00} without any explanation. Home Depot Credit Services and Home Depot have refused to answer questions from my legal assistance lawyers or respond back to me in writing as to how they came up with the {$3800.00} in interest charges on {$15000.00} charge that was removed from my account.
Product: Debt collection

I fell behind on a payday loan due to I.D . theft and having to close my bank account. I setup a payment arrangement to settle the debt in full on XX/XX/XXXX and since that time I have received constant letters from Americash increasing the balance and threatening legal action. Even after setting up the agreed arrangement. I called Americash several times about the issue. they advised once the first payment was drafted all activity would stop. But it did not, it seem to escalate. I continued to call and even advised my representative as in every other call ; I did not ant to continue to receive these communications. They were confusing especially as, I was currently making payments. My representative XXXX was very dismissive of my concerns and very uneducated about debt collections practices. My last phone contact on XX/XX/XXXX I advised the company I would submit a complaint as they seem to not care about continuing to abuse their role in collecting debt.
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Onor aroundXXXX I was applying for an apartment and discovered a few unknown accounts and inquiries on all3 credit reports ( TRANS UNION, XXXX XXXX ) these are all fraudulent accounts XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX AUTOALLOFTHESE ARE FRAUDULENT. I have addresses showing on my credit XXXX XXXX XXXX XXXX, XXXX, OHXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, Titan Receivables, INC. add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred or sold and Im no longer responsible for this account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contact, or signature for this accused debt at all. A Bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Titan Receivables, INC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Debt collection

I returned my equipment to XXXX and they send my account to collection to paid for some items who was returned. Now I received some harassment calls for a collection agency with treat and sanction of jail. I do n't own this money to anyone and I want this calls to stop.
Product: Credit card

I am filing this complain regarding an inaccurate item on my credit report. That continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit card or prepaid card

I purchased a practice drum kit from Guitar Center online on XX/XX/2020 using the Guitar Center credit card.I got an email from XXXX on XX/XX/2020 that it was delivered but when I checked my porch nothing was there. I checked my Ring doorbell and nobody came on my porch. I contacted XXXX to report that the item was delivered to the wrong address but they said I had to call the shipper, they wouldn't talk to me. 
I called Guitar Center and reported the issue, XXXX XXXX XXXX said he would open an investigation with XXXX and he sent me an email. About 10 days later I sent an email to Mr. XXXX for an update but never heard back. I called Guitar Center and the rep said " XXXX claimed they spoke to me and located the drum kit '', that was is not true.I was never contacted by XXXX. I directed the rep to look up the tracking number with XXXX where it clearly reads '' under investigation '' and he said he could see that so he opened another investigation. I contacted Guitar Center today by CHAT to get the status and the rep said the same thing, XXXX says they spoke to me but the never contacted me. I directed him to look up the tracking number and he saw hat it is still being investigated. Then he told me he would have to respond to me by email. That was over 4 hours ago and I still haven't heard from him. My credit card payment is due and I am not going to pay for something I didn't receive but Guitar Center is ignoring the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. 
balance {$900.00} Date opened XX/XX/2022 XXXX XXXX Balance {$770.00} XXXX XXXX XXXX Balance {$390.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$260.00}, {$150.00}, {$180.00} XXXX  Balance {$690.00} In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Checking or savings account

In XXXX of XXXX I attempted to open a checking account using the promotional offer code " XXXX '' in order to receive a {$300.00} bonus once meeting XXXX min. direct deposits. After a few days I did not receive any update on my request so I tried again, using the offer code again, this time the account opened right away. However, once I logged in there were XXXX opened accounts. 

I called customer service and requested the duplicate account be closed. Since then I have met the terms of the promotional offer. After contacting customer service they state that the promotional offer was only tied to the duplicate account. Clearly I had opened the account using the promotional offer, met the terms, and the duplicate was an error that was quickly rectified. I was denied the bonus on a technicality and it is a computer error. Truist is not willing to honor its promotional offers.
Product: Credit reporting 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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX. XXXX XXXX AMOUNT : {$610.00} ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX AMOUNT : {$6600.00} ACCOUNT NUMBERXXXX XXXX. XXXXXXXX XXXX AMOUNT : {$1200.00} ACCOUNT XXXX XXXX. XXXX XXXX XXXX XXXX $ ACCOUNT NUMBER : XXXX PLEASE REMOVE THESE ACCOUNTS IMMEDIATELY! 
ITS BEEN 60 DAYS OF ME DISPUTING THESE WITH NO VERIFIABLE INFORMATION However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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. 
Also, they arent even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

On my transunion file there is some fraud and unauthorized activity I never authorized or signed up for. I am getting hard inquiries from XXXX XXXX on XX/XX/2019 and XX/XX/2019. Both of which I never did. 

I had spoke to XXXX XXXX back In XX/XX/2019 and they had agreed to remove all fraud and unauthorized stuff as i wanted it removed from my personal credit file as I did not do it. I had asked for proof of me authorizing it which they could not approve. 

So I am unsure why this is still on here. I would like these bogus inquiry 's off my credit report with transunion and any other credit companies as all this was not authorized by me and is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just signed up for the American Express XXXX XXXX card a few months ago. At first it was great, and I used it for everything. 

I Spent the last XXXX years fixing my credit after medical and other hardships forced me into a tough spot. But I did it! Got my score up to a XXXX! I had plans to purchase a house and finally get my life back on track. 

So, I received my card around the beginning of XXXX, I think the XXXX, and planned a trip and booked my flight. I spent over a {$1000.00} but made a {$1000.00} payment right away. I ended up purchasing other items and whatnot for the trip along with daily necessities. I had over {$1000.00} on the card again. Around XX/XX/XXXX ( XXXX weeks before my first bill was due, and days before I received it in the mail ) I made another {$950.00} payment leaving about {$100.00} left unpaid on the card. I wanted my card balance low in case I wanted to use it while on Vacation. 

I come to find out a day or XXXX later, around XXXX, that my XXXX XXXX took a XXXX hit because American Express XXXX XXXX need to report my high XXXX on XX/XX/XXXX to the credit bureau XXXX XXXX before my bill was even due, and not even a month after I opened the account. I didn't miss a payment and actually made a {$1000.00} payment before they felt the need to report my balance. 

Now my XXXX XXXX is ruined, at least for the purpose of purchasing a house at a low mortgage rate. 

I called and asked them if this was common practice for them. Reporting a customer to the bureaus for high credit limit before you give the customers a chance to even get their first bill in the mail, yet alone giving them a chance to pay before the due date, and after they already made payments in good faith, weeks before the bill was even due. They basically said yes. 
They acknowledged my current low balance and said they would report it immediately to the bureaus. But that was all they could do. 

So now I will never use this card again. But that doesn't change the fact that now I can't get a mortgage at anywhere near the rates I previously could. This is a horrible business practice and ruins people 's lives.
Product: Credit card or prepaid card

About three years ago my wife became XXXX and applied for Social Security XXXX. She has an attorney and a solid claim, but is still waiting for a hearing. 

Additionally, we began receiving death threats from a XXXX XXXX person and had to relocate from XXXX  to XXXX XXXX at our own expense. 

These two factors coupled with our son 's need for XXXX not covered by insurance have caused us to deplete our savings. 

Because my wife can not work, our income is decreased and has been for more than three years. I work a full time job but we still have a financial hardship. 

I have contacted the credit card company repeatedly to ask to participate in their hardship program but there has only been a " we will get back to '' for a response. 

I truly need help so as to not default while we are waiting for my wife 's XXXX to be approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In investigation completed by Equifax on : XXXX. Equifax stated that it had '' Verified '' this disputed record on my consumer report. On each of the investigations, Equifax stated that it contacted the furnisher " XXXX XXXX  XXXX, Unknown '' at address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX Ph : XXXX ''. This information is inaccurate as per the attached letter from the XXXX XXXX  XXXX. The correct address is " XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Ph : XXXX ''. In accordance with FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]. The CRA is obligated to verify the accuracy of disputed accounts with the furnisher. Equifax has violated this. I have also provided Equifax with a letter from XXXX XXXX ( Public Record Vendor ) who has confirmed and provided a report showing that they have deleted this record and therefore Equifax is unable to use this vendor in it's defense. I have not given Equifax permission to use my " Personal Information '' to obtain or report to my consumer report, which violates 15 U.S. Code 1681b ( 2 ) which requires written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/2022 I sent a letter regarding misleading inaccurate and unknown things on my credit report to this day well over soon to be 45 days later I have not received a response yet. I feel like Im being taken advantage of over looked and being ignored of my dispute. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately it has been over the lawful time soon to 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.