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

I have filed several disputes with the XXXX  and experian about a student loan that is on my credit report that is the result of identity theft and/or fraud and it has not been removed. I recently filed a complaint with the FTC on XX/XX/XXXX, and followed the directions in the recovery plan and they have exceeded the 4 days they are given to remove fraudulent items that can not be verified. I contacted Experian and XXXX by phone on XX/XX/XXXX and on the same day I sent them a dispute letter that I found on the ftc website advising them of my rights under section 605 of the frca, along with a copy of the ftc report and my drivers license. 

XXXX Account dated : XX/XX/XXXX. amount {$10000.00} Note : All my student loans from when I was in school ( XXXX ) were discharged, but this one was not included because it is not mine! 

I also reached out to XXXX and after speaking with a customer service rep and a supervisor they could not give me any information on this account or where it originated. I filed a complaint with the consumer advocacy group at XXXX to have the account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 finish 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 reporting, credit repair services, or other personal consumer reports

Credit Beureaus have FAILED Miserably Once again. The Following Accounts are in clear violation and SGALLL be REMOVED IMEDIATELY! According to the IRS Government Agency. 

XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX : XXXX XXXX ADDITIONAL INFORMATION - Charged Off Account ; And also XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX : XXXX Account Number XXXX ADDITIONAL INFORMATION - Charged Off Account ; These account are being ran as charge offs. I have never received the 1099 cancelation of debt form and because of this the account isn.t accurate and must be removed immediately Furthermore If your debt is forgiven or discharged for less than the full amount you owe, the debt is considered canceled in the amount that you don't have to pay. 
Also if you have cancellation of debt income because your debt is canceled, forgiven, or discharged for less than the amount you must pay, the amount of the canceled debt is taxable and you must report the canceled debt on your tax return for the year the cancellation occurs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform Equifax about the theft of my Identity and that the items were never mine, they never cared nor paid any attention to my Disputes. They became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification nor Investigation. I came to the conclusion that the Credit Bureaus are not afraid to break Federal law thus they chose to be lazy and neglected my appeals. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I need the Item removed now! 

XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

I made a Venmo account recently and someone close to me came into my home and wiped me clean of most of my accounts and banks including my Venmo and locked me out of my new phone and number. Locked me out of my emails. I regained access to my email and locked them out of my account. The police have XXXX  her and XXXX  her pending charges. Venmo tells me I owe them money and they banned my account when Ive never even had a Venmo account. My identity was stolen last year and someone filed my taxes and opened many cards in my name. Ive not heard about Venmo having an account for me. They are holding my funds and will not respond to my requests for email. The account specialist was very rude and told me that they were going to ignore me from here on out basically. I am requesting my funds be given back to me and me be able to make an account with Venmo. It is not fair that identity theft is still causing me this much pain and suffering. Please give me my money and access to my account back
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several credit inquiries that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN, XXXX XXXX XXXX  XXXX, XXXX, ri, XXXX XXXX XXXX XXXX, XXXX, oh, XXXX XXXX XXXX, XXXX, texas, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my account on time every month thru the website that the company provides but one month they notified me 30 days later that they never received the payment. I hadn't printed the confirmation because it has never been a problem I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but not had success. Its my only late pay with them and it wasn't my fault. They acknowledged that it may have happened since they have intermittent problems with their website and others have had similar issues that i know. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Product: Debt collection

Instaloans also XXXX XXXX XXXX never stayed in Georgia I was in XXXX and for many years I have been a victim of identity theft please help
Product: Mortgage

On XXXX XXXX, 2016, I sent in a monthly mortgage payment of XXXX. XXXX. I also sent a letter stating why I was sending additional funds over my normal monthly payment amount of {$600.00}. I stated in my letter that I was sending in a payment of {$620.00} and {$600.00} should be taken out for the month of XXXX 2016 payment leaving {$15.00}. However, addition payments will be sent for the months of XXXX and XXXX in the amount of {$1200.00}. Combining my {$15.00} previous payment with this latter payment will total {$1200.00} and this amount is to be applied for following two months of XXXX and XXXX. Therefore, I will not need to send another payment in until XXXX 2016. On XXXX XXXX, 2016, I sent in the funds of {$1200.00} with another letter reiterating my previous instructions : My name is XXXX XXXX and I sent in a payment of {$620.00} for XXXX 's mortgage payment. {$600.00} should be taken out for the month of XXXX 2016 payment leaving {$14.00}. However, this is a check for the next XXXX mortgage payments of XXXX and XXXX in the amount of {$1200.00}. Combining my {$15.00} previous payment with this latter payment will total {$1200.00} and this amount is to be applied for following two months of XXXX and XXXX. Therefore, I will not need to send another payment in until XXXX 2016. If there are any questions I can be contacted at XXXX. 

My XXXX mortgage payment was paid out the {$1200.00} check I sent in, but I am having a very difficult time getting the XXXX payment applied to my mortgage monthly payment. When I initially spoke to customer service at the beginning of XXXX, I was told it would take XXXX to 7 business days to get the funds reallocated to my XXXX payment. Now XXXX XXXX, the funds have not been applied to my XXXX 2016 payment and it has been over 30 days since I requested it. I need this situation resolves immediately because my XXXX mortgage payment will be due in XXXX days.
Product: Checking or savings account

Wells Fargo is back at its old habits soaking its customer with fees. For a new checking account I got, Wells Fargo has not provided me a debit card yet. As such, I had no way to access my money. I went into the Wells Fargo branch and they gouged me {$6.00} for 6 checks to be able to pay bills and access my money. When I called, they told me that they do this to all accountholders - even if they have not been provided with another way to access the money. You can withdraw cash but must pay for a money order to pay a bill. I spoke with XXXX XXXX in the executive office who also did not assist with a resolution in the immediate herself.
Product: Credit reporting or other personal consumer reports

MY DISPUTE IS WITH ( XXXX XXXX XXXX ) CREDIT CARD COMPANY, ( COMENITY CAPITAL BANK ) AT XXXX XXXX XXXX XXXX, OH XXXX ON MY XX/XX/XXXX BILLING STATEMENT IT SHOWED- PREVIOUS BAL.+ XXXX PAYMTS XXXX other credits XXXX purchases XXXX other debts XXXX fees charged XXXX interest charge XXXX new balance XXXX On XX/XX/XXXX or XX/XX/XXXX I paid this balance in full XXXX It shows in this XX/XX/XXXX month statement I am already paying a accrued interest fee of XXXX So when I paid off the amount in my XX/XX/XXXX statement of XXXX before the actual due date ( XX/XX/XXXX ) I do not expect any additional cost... but because of this misrepresentation my account was charged additional XXXX which then was reported late on my credit report as XXXX LATE PYMTS!!! 
I have ( XXXX ) late charges in the last XXXX yrs,, This XXXX charge has disrupt my diligent efforts to keep my credit in good standing... 
My QUEST is to have these late payment removed from my credit report, I feel rightfully to do so The closing date for this billing was XX/XX/XXXX payment was made in in full in less than 25 days,, actually was 12 days
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , Maryland [ XXXX ] XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Notice of Dispute and Request for Investigation of Inaccurate Information in Credit Report Dear XXXX and TransUnion, XXXX am writing to formally dispute inaccuracies in my credit reports under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq. Specifically, I am disputing the inclusion of incorrect addresses listed on my credit reports. 

Upon reviewing my reports from all three bureaus, I noticed that the following addresses, which are not associated with me or any of my accounts, have been inaccurately reported : XXXX XXXX XXXX ONLY reporting on XXXX XXXX File XXXX XXXX, Maryland XXXX XXXX XXXX XXXX ONLY reporting on TRANSUNION & XXXX Credit Files XXXX, Maryland XXXX XXXX XXXX XXXX  ONLY reporting on TRANSUNION XXXX File XXXX, Maryland XXXX These inaccuracies violate my rights under the FCRA, including but not limited to : 1. 15 U.S.C. 1681e ( b ) : The requirement to maintain accurate and up-to-date information in consumer credit files.

2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : The obligation to investigate and correct disputed information within 30 days of receiving notice.

As these addresses are not associated with me, their presence on my credit report creates an inaccurate representation of my credit profile, potentially impacting my creditworthiness and leading to undue harm.

Requested Action Pursuant to 15 U.S.C. 1681i ( a ), I demand that you : 1. Investigate this matter and remove all incorrect addresses from my credit file.

2. Provide written confirmation of the completion of your investigation and any updates made to my report within the statutory timeframe of 30 days.

3. Send me an updated copy of my corrected credit report free of charge, per 15 U.S.C. 1681i ( d ).

Additional Notice Failure to comply with the FCRA may result in the filing of formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, a private right of action to seek damages under 15 U.S.C. 1681n ( willful noncompliance ) and 15 U.S.C. 1681o ( negligent noncompliance ).

I expect a prompt resolution of this matter and look forward to your response within 30 days of receipt of this dispute letter. 

Thank you for your immediate attention to this matter. 

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

I have never opened a Home depot account. It 's fraud. Opened XX/XX/XXXX balance as of XX/XX/XXXX {$1700.00}. Just found it on my credit report I pulled and disputed thru XXXX credit reporting.. Needs to be closed/find out who it really belongs to. Have had fraud alert on account from XX/XX/XXXX when wallet was stolen with everything in it. NEVER HAVE HAD AN ACCOUNT WITH THEM.. Please take it off my credit report.
Product: Debt collection

A third party debt collections agency called UCB not on contacted my employer but a family member as well. Judging from what I have researched this is n't technically illegal but contacting an employer could potentially cause me harm at my place of business and contacting family members is a shady way of doing business.
Product: Credit card or prepaid card

On the reply of my previous complaint XXXX, American Express said they issued XXXX starpoints to my account on XXXX XXXX, XXXX. However, I didnt receive it. American Express simply treated the officers of CFPB as XXXX, and thought that they can just XXXX that they already gave me what I should get, but actually they didnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ordered a free report on XX/XX/XXXX, it's now been over a month, I called and they claimed it was on its way but it had been well over 15 days and no repirt
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached are documents which show that several payments were made in the month of ( XXXX and XXXX. ) The reason for this dispute is in reference to wrongfully information reported on my credit report with XXXX, XXXX and Experian. The account stated below from XXXX XXXX is incorrectly reported as a late payment for the month of XXXX XXXX. This needs to be removed immediately as this is hurting my credit score significantly. All months were paid on time and never late. Please update this information on my credit file. 

Please make sure that my contact number is visible/ provided in the Personal Statement section of my credit file. Asking al creditors to contact me first before issuing credit. Due to my personal information being compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to identify the accounts reporting, and I was sent a letter stating that everything was accurate. After refreshing my report, I found improper accuracies even after they said that they did a full sweep. 

Here are the accounts : XXXX XXXX Account XXXX XXXX. XXXX Account Number:XXXX  XXXXXXXX XXXX XXXX Account XXXX XXXX. XXXX Account XXXX Please remove it from my credit report. 
XXXX. XXXX Account XXXX XXXX. XXXX XXXX XXXX Account XXXX XXXX. XXXX XXXX XXXX  XXXX Account XXXX XXXX. XXXX XXXX XXXX  XXXX Account XXXX In accordance with the Fair Credit Reporting Act Convergent Accounts listed above, 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for a signed copy of the lease agreement from XXXX XXXX XXXXXXXX, XXXX XXXX and National Credit Systems. All have stated they do not have the original lease. They also do not state the terms of any agreement explaining the charges. I have asked for this information, but all parties have refused to provide the terms of any agreement or how the charges were justified and under what terms outlining the costs they are saying that it is owed for. Under the terms of my original lease, which ended on a different apartment than they are stating I owe for, the terms for how I will be charged for breaking that lease were outlined in my lease agreement which begin in XX/XX/2019. For example, I would be charged an additional month of rent to end my lease early or without notice in apartment XXXX as agreed to by the property management company and I. My original apartment lease was for XX/XX/2019 in apartment XXXX. I chose not to renew this lease. The company is saying I also agreed to be charged for breaking a lease for apartment XXXX and are pursuing charges they say are outlined in a XX/XX/2019 lease agreement for a renewal. I've stated multiple times I had no lease to renew and I asked for them to outline the terms for how fees would be calculated to justify the charges that were agreed to for the XXXX lease they are alledging i have broken and they've refused to do so and have admitted that they have no lease with my name for the apartment they ( XXXX XXXX, XXXX XXXX XXXXXXXX and National Credit Systems ) are stating I owe money for. XXXX XXXX, XXXX XXXX XXXXXXXX Property Manager, has specifically stated she does not have a original lease agreement for XXXX and that the lease is with the previous property management company, XXXX XXXX XXXX. She also admits that she has not seen such lease, but assumed my account should be sent to collections because she thought there was one with my name on it. When I told XXXX I did not have a lease, she told me she will not correct her error. I was also told by XXXX XXXX XXXX management and staff that further attempts to retrieve information from them directly regarding the lease they do not have will be met with a lawsuit.
Product: Student loan

Since XX/XX/2017, I have been attempting to determine how many qualifying payments I have made under PSLF. I have called customer service repeatedly, and they have not been able to give a consistent answer. In XX/XX/XXXX it was 3 payments, and today it is 9. I have not been able to determine exactly why they have not counted the payments. The answer to that question is different every time I call. Today, I spent almost 90 minutes trying to speak to a manager. I was left on hold for over 20 minutes. I was hung up on. Ultimately I was told a manager would call me back. She could not say who. She could not say when.
Product: Debt collection

On XX/XX/2022 I received an email from a company named TrueAccord. The company stated that I owed a debt of of {$570.00} with XXXX XXXX XXXX. I Also received a separate email from the same company TrueAccord on XX/XX/2022 that stated I owe {$25.00} with XXXX. The email states " Call or write to us by XX/XX/2022, to dispute all or part of this debt. If you do not, we will assume that our information is correct. '' So I follow up and send them a certified letter in the mail to the address, asking for debt validation and disputing the debts. The company received my letter on XX/XX/2022 and in turn refused it. Therefore denying my right to dispute the debt which is against the law. I have attached all information and proof below.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXXXXXX XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding my recent attempt to obtain a copy of the 1099-C form for a personal loan and credit card account, both of which are reported as charged off on my credit report by Navy Federal Credit Union . Despite making a formal request over the phone for the 1099-C form, I have not received the document as requested.

The charged-off accounts are listed on my credit report, but I have not been provided with the corresponding 1099-C, which I believe is necessary for accurate tax reporting and financial record-keeping.

I respectfully request that Navy Federal Credit Union provide the 1099-C form for both the personal loan and credit card accounts, or provide clarification on why the form has not been issued. This delay is causing significant confusion and concern, as it directly impacts my tax reporting obligations and financial status to prevent fraud. 

Please assist in resolving this matter as promptly as possible. 

Thank you for your attention to this issue.
Product: Credit reporting or other personal consumer reports

I am writing to have account # XXXX removed. I gave the credit agency 3 times to correct this issue, well over 30days. Federal law requires that they respond within 30 days, yet they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintained a careful record of my communications with them on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), I made it known that they may be liable for their willful non-compliance, still no response.