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

I am contacting you because I recently pulled my credit report, and I found some information that is inaccurately being reported. Below are accounts that are displaying as being charged-off, if these accounts were indeed charged-off, then why didnt I not receive a copy of a 1099C from the creditors. They received a tax write-off, and I should not have this debt reported on my credit profile. Therefore, send me any forms or any documentation showing that you have the right to report this as a debt. If you can not provide this information, please remove the mentioned accounts from my credit report immediately. According to the IRS, cancelled debt ( charge-off ) is gross or ordinary income. Therefore, these charge-offs are considered as income and income should not be reported on my consumers report. 

Account Names and Account Numbers : Account Name : 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 This is a violation of my consumers right, according to the Fair Credit Reporting Act FCRA : 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I used to live at an apartment house, address XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX. I moved out of there in XXXX of XXXX. A XXXX XXXX credit card was opened in my name from a person living at this address in XXXX of XXXX. It showed up in my credit report so I called them to report it as fraud in XXXX of XXXX. They dropped the case in XXXX of XXXX and sent all correspondence to the old address. XXXX seems to take no reponsibility for issuing a credit card to a complete stranger in my name. I need this removed from my credit report and history and they will not cooperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

With respect to 15 USC 1681 ( a ) ( 4 ), the bureau has infringed upon my right to privacy. I asked the bureau to VALIDATE the account in which they said it was VERIFIED. Attached is written proof that they didn't VALIDATE the account because the US Court said that they do not report information to credit reporting agencies in the first place.
Product: Payday loan, title loan, personal loan, or advance loan

You resolved my initial complaint with this company. I am on the phone with them now trying to get my account unlocked so I can make payments. They have reported me to XXXX and my credit score went down XXXX points. I am currently on the phone with them and they are saying it will take up to 20 days and they may reach out to the credit bureau 's and report me again. They can not unlock my account so I can pay which is what you guys told me to call and do. I need my credit to be reversed to what it was previously. The case ID they just gave me is XXXX.
Product: Debt collection

I am not liable for this debt with XXXXXXXX XXXX nor I do not have a contract with I.C. System to pay for any debt they claim I owe. 
Previously, another debt collector named XXXX XXXX XXXX harassed me by sending me multiple emails trying to tell me that I possess a debt that I know I don't own or associate with. On XX/XX/2024, I filed a complaint with the XXXX XXXX XXXX and a dispute with XXXX saying the same things I'm saying to you, " that I don't have any debts connected to XXXX XXXX or any they mention. '' Fortunately, I was able to win my case and the collection was removed from my credit report and my credit score increased significantly right after. However, through some means Im not aware of, I.C. System is now trying to collect on the same debt I didnt owe in the first place and was able to fight to have it removed. Im here for this reason.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account with Experian Dear CFPB, I am filing this formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the following account : Account Details Account Name : XXXX Account Number : XXXX Despite multiple requests for correction, including dispute letters sent on XX/XX/XXXX and XX/XX/XXXX, my requests have been ignored, and the erroneous information remains unchanged on my credit report. This lack of action violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Summary of Errors and Discrepancies : Late payments are incorrectly reported for the following periods : Experian : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The discrepancies include inconsistent dates of activity, reporting, and late payment histories. 
The account has been verified multiple times, yet the inaccuracies persist without correction. 
FCRA Violations : Under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files. In my case, this responsibility has not been upheld.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the corrections made.

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. Please address this matter with the urgency it requires and ensure compliance with federal laws to protect consumer rights. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the FCRA provisions below I did not receive anything in regards to this law in the mail Under 1637 ( b ) of the F.C.R.A. a creditor must adopt reasonable procedures to inform the consumer by mail or delivered to the consumer not later than 21 days before the payment due date. I am requesting valid proof of this being done. I am formally asking for you to delete these items in the letter attached for non compliance Or I will pursue litigation for not being complaint on the previous dispute
Product: Credit reporting or other personal consumer reports

As a victim, I am writing to dispute information contained in my credit file regarding a collection that does not belongs to me. It is important to stress that under the Fair Credit Reporting Act ( FCRA ), all unverifiable and unauthorized information must be removed. It is deeply concerning that my rights have been violated by the reporting agencies, despite providing them with proper documentation, such as an FTC report, to conduct their investigation. Regrettably, I never received a follow-up regarding my request. It is crucial to note that as a credit reporting agency, you are required to maintain strict procedures to ensure that all public record information likely to have an adverse effect on a consumer is complete and up to date. You have a legal obligation to complete your investigation within 30 days, as permitted by law, and mail the results to me. Any failure to do so will only compound the situation and further harm my credit profile forcing me to take more drastic measures. Please be aware that your credit reporting agency is now subject to federal consumer financial laws, including the FCRA and related regulations. These laws include a ban on " abusive '' acts or practices, as outlined in Section 1031 of the Dodd-Frank Act. Therefore, I implore you to take this matter seriously and act promptly to remove this negative item from my credit file.
Product: Checking or savings account

On XXXX I disputed a XXXX XXXX withdrawal in the amount on XXXX on my credit karma spend account because it was a fraudulent transactions and the XXXX XXXX account was closed I was advised by XXXX XXXX  support to dispute with my bank which I did I also had another dispute in the amount of XXXX and I disputed that XXXX at a later date because the credit karma spend agent informed me that that one would be disputed also but after I received the provisional credit I noticed it wasn't for the correct amount so I disputed the XXXX also my dispute was denied and my account was closed owing the money because the reason was I have done business with that merchant before even though I disputed both transactions with the same merchant.
Product: Credit card or prepaid card

On XX/XX/XXXX I received notification that a payment had posted to my Nevada Bank of America debit card. The payment totaled {$960.00} between federal and state benefits after taxes were withheld. When I went to access the account and transfer the money to my checking account, I found the account had been closed. Both NV XXXX and Bank of America repeatedly told me it was the other party 's fault. Eventually I found out that my card had been closed for suspected fraud. When I filed my next weekly claim to be paid out XX/XX/XXXX I discovered that payment was not released because I needed to confirm my identity with XXXX. When I called XXXX nobody could tell me how to do that. Luckily the next week I started a new job so those two weeks of payment were the only weeks I did not receive. Finally I emailed copies of my license and my passport to XXXX and on XX/XX/XXXX was notified that the hold had been released from my account and my XXXX XXXX XXXX Pending resolution had been removed from my account. It showed my final unemployment payment had been issued. That payment was a partial payment of {$630.00} combined federal and state benefits to rectify a previous accidental overpayment ( due to a vacation time issue ). I went to the Bank of America website to check my balance and found the account was still closed. The XXXX fraud phone number has been disconnected- I can't get through. The XXXX main phone line refuses to let me talk to a representative or receive a callback. When I called Bank of America about this issue they claimed that it was XXXX 's problem again, but since XXXX has clearly released the hold on my account and released payment to BofA, I have no choice but to understand the situation as BofA unlawfully holding my payment and refusing to release my money to me. The most recent time I tried to contact BofA about this they hung up on me with no discussion. The total amount I am owed is XXXX and it has been six months that this money has been withheld from me.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX CO ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Checking or savings account

Discover Bank went down twice in XXXX and XXXX of XXXX. 
The first time I made a mobile deposit with my main business income and the deposit didn't clear. I received a notice that mobile deposits submitted between XX/XX/XXXX and XX/XX/XXXX were delayed in processing. It did not deposit for a week and cleared on XX/XX/XXXX. 

The question then comes, how do you get external money into a Discover checking account so that your rent payment clears? Well, no money apps work with Discover checking- not XXXX, not XXXX, nothing. The app Discover had on their own website, XXXX, hasn't worked for months. When talking to a customer service rep about what I could possible do, the only option became XXXX XXXX XXXX. I promptly go there and am informed that the Discover debit card that I had doesn't work for their money services- the XXXX card that would have worked was manufactured last year but was never sent to me. 

The other time Discover went down, there was 'system maintenance ' for XXXX hours with no warning given to customers and you couldn't access money again over a weekend. 

So, here I am closing my Discover checking and savings accounts after bouncing XXXX rent checks with either no access to funds or no way to get external money into my account.
Product: Debt collection

Company identifies itself as " Credit Managment '' Repeatedly and consistently every week day calls me between 5 and 10 times. They have been calling for months but the statistics listed below just count XX/XX/XXXX through XX/XX/XXXX. I've told them to stop calling me. I've told them to remove my number from their list. I've asked them send any correspondence through mail. The calls as you see, are endless. They call from several numbers, and that data is below as well. I would like to sue for XXXX per call, just from XX/XX/2019 until I get satisfaction and the end of their harassing calls. I've documented 29 calls below, but I can go back for months via my cell phone bill. 

Calls from XXXX XX/XX/XXXX : 11 calls calls from XXXX XX/XX/XXXX : 3 calls, XX/XX/XXXX : 1 call XX/XX/XXXX : 2 Calls Calls from XXXX XX/XX/XXXX : 2 calls Calls from XXXX XX/XX/XXXX : 2 calls, XX/XX/XXXX : 2 calls, XX/XX/XXXX : 3 calls Calls from XXXX XX/XX/XXXX : 1 call Calls from XXXX XXXX XX/XX/XXXX:1 call, XX/XX/XXXX 1 call
Product: Credit reporting

I have been the victim of identity theft fraud for more than 4 years. I have filed numerous complaints with Equifax to no avail. I have submitted fraud affidavits, consumer statements and proof of fraud, yet they continue to not accurately investigate my accounts, remove erroneous information and update my reports with the information provided. 

I contacted the office of the president for Equifax and they stated that " Another department handles these types of complaints and that my case had been closed out due to lack of provided information. I furnished Equifax with a fraud packet and supporting documentation on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 

The representative went on to state that " I would have to file another complaint with Consumer Financial Protection. '' I need help in resolving this issue asap.
Product: Credit reporting or other personal consumer reports

Subject : Final Demand to Remove Fraudulent Accounts Listed in FTC Report To Whom It May Concern : I am writing this letter to express my utter frustration and anger at your blatant disregard for the law and my rights as a consumer. Over one month ago, I submitted an FTC Identity Theft Report to your offices, along with all supporting documentation, demanding the immediate removal of fraudulent and inaccurate accounts from my credit report. To date, you have failed to act. 
This inaction is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which requires credit reporting agencies to block fraudulent information upon receipt of an FTC Identity Theft Report. Additionally, under FCRA 1681e ( b ), you are legally obligated to ensure the accuracy of the information you report. By continuing to report these fraudulent accounts, you are willfully disregarding your legal obligations and causing significant harm to me and my family. 
The data on my consumer report is a direct result of identity theft. I did not authorize the inclusion of any identification transactions on my report. I kindly request that this information be promptly blocked and deleted within XXXX days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer. 
Your failure to act has placed an undue burden on my life and my familys well-being. These fraudulent accounts have caused me undue stress, denied us financial opportunities, and impacted our ability to secure basic necessities. This is unacceptable. 
My Demands : XXXX. Immediate Removal : You must remove all fraudulent accounts listed in my FTC report from my credit file within four ( 4 ) days of receiving this letter. 
XXXX. Written Confirmation : Provide written confirmation of these removals. 
Failure to comply with these demands will leave me no choice but to escalate this matter further. This will include : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seeking legal action to enforce my rights under the FCRA, at which point you will be liable for statutory damages of {$1000.00} per violation, as well as punitive damages, attorney fees, and any additional costs. 
Your failure to address this matter promptly reflects a complete disregard for the very laws that govern your industry. I demand immediate action to rectify this situation. 
Sincerely, XXXX XXXX Fraudulent Accounts : XXXX XXXX  with account number : XXXX XXXX  with account number : XXXX XXXX XXXX XXXX with account number : XXXXXXXX XXXX XXXX XXXX  with account number : XXXX XXXX  with account number : XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX Fraudulent Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested my credit report multiple times since XX/XX/year> via calling XXXX, Transunion, and XXXX and via calling the XXXX XXXX XXXX request service at XXXX ( XXXX ) XXXX. I still have not received my credit reports. 

The authentication on the phone is frustrating and also there's no assistance or solution even when the representatives come to the phone and admit there's a problem on their end. That's why I opted to request reports via mail by calling the annual credit report request service at XXXX ( XXXX ) XXXX. 

I need my credit report to check accuracy and I also need to order credit lock and place fraud alert on my credit with these CRAs, but I'm not able to do that. I have not been assisted to do any of these. My account remains vulnerable as I'm unable to access my credit reports or apply necessary security measures to my account.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX  Balance : {$55.00} XXXX XXXX XXXX XXXX Balance : {$55.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus Transunion, XXXX and XXXX stated that my account with XXXX XXXX XXXX account # XXXX has been properly investigated, but with further investigation by my part by obtaining a detailed credit report I have found inaccurate information reported. Collections inaccurate, Account type ( details ) inaccurate, Number of month ( terms ) inaccurate, High credit inaccurate, Payment status inaccurate, Last reported date inaccurate, Comments inaccurate, Date last active inaccurate, and also Last date of payment inaccurate. Also the reporting Originator Creditor name are not matching as well. In review of my consumer credit report I have noticed that there are multiple inaccuracies reported wich are violations of my rights under 15 USC 1681 SEC 602 A, 15 USC 1681 SEC 604 SEC ( 2 ), 15 USC 1681 SEC ( 623 ), 15 USC 1681 SEC 611 ( a ), 15 USC 1681 Sec ( 2 ) ( 8 ) ( e ) 15 USC 1681 ( 5 ) ( a ) 15 USC 1681 604 A. I have never gave permission written nor verbal for any information to be provided from or by any entity for any purposes. Under 15 USC 1681n ( a ) ( 1 ). Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} shall be awarded per violation. I want {$1000.00} per violation for actual and statutory damages as well removal of account from my consumer credit report by all reporting bureaus.
Product: Credit reporting or other personal consumer reports

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

Opened Avant- credit card. Credit card is not used and balance keeps going up. My spouse has been paying thinking I use the card. Upon review of my credit cards I see the card is maxed out. Weve been paying toward a balance I do not have. Avant owes me money at this point.
Product: Credit reporting or other personal consumer reports

Hi - An insurance company named XXXX XXXX sent to collections a payment for a policy that had been cancelled and replaced by another company. The collection agency continuously contacted me for payment. Simultaneously, I disputed the debt with the three credit reporting agencies. Only one agency was able to DELETE the collection from my report. 

The collection agency took a payment from my account to cover the debt and continued to report the debt as opened, with a balance of XXXX for about 2-3 months. All while I was in desperate need of access to credit. Furthermore, the collection agency that purchased the debt from the insurance company ceases to exist and can no longer be contacted.