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

On XX/XX/2023, I paid my account in full with XXXX I noticed on XX/XX/XXXX it was still reflecting that I was past due and I owed them. I contacted the company on the XXXX the person I spoke to told me it took a couple weeks and it would be off of my credit. I had filed to disputes with the credit bureaus regarding this both of the disputes were denied by XXXX, I had even attached my statement from the bank where it showed I had paid it in full on XX/XX/XXXX. I thought I would wait and see if it would be off my report as the lady from XXXX told me on XXXX XXXX XX/XX/XXXX I checked my account with the credit bureau and I noticed they had added another {$2.00} onto my account saying I was behind. And I had not paid my account. I contacted XXXX they give me an email address as well as a case number telling me to email them in screenshots of my account where they were paid and where it was reported to the credit bureau. I sent that in. The same day after I spoke to them I had received another flag now they're reporting I'm over 90 days late. After 2 disputes phoning in several times as well as trying to log in and I was denied login on their website and on their app I don't know what else to do I hope this can get it resolved.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : ( XXXX ) XXXX XX/XX/year> Subject : Cease-and-Desist Request Pursuant to 15 U.S.C. 1692c ( c ) To Whom It XXXX Concern at the CFPB, I am filing this complaint to formally request assistance in enforcing my cease-and-desist demand against the following entities regarding alleged debts : XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. Consumer Portfolio Services , Inc . 
Account Number : XXXX These entities have failed to comply with my request, made under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), which requires debt collectors to cease all communication upon receiving written notice. 
I have also filed a dispute with XXXX under report number XXXX regarding the inaccurate and incomplete reporting of these accounts. Despite these efforts, I continue to receive communications and/or collection attempts, which is a direct violation of federal law. 
This letter serves as a formal complaint requesting the CFPBs intervention to : XXXX. Ensure these entities comply with my cease-and-desist demand. 
XXXX. Investigate any violations of the FDCPA. 
XXXX. Take corrective actions, including the removal of these accounts from my credit report if they are invalid. 
Please let me know if additional documentation or information is required. I appreciate your assistance in resolving this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I went into XXXX XXXX XXXX Nj for a vehicle. I ended up filing a police report and returning the vehicle for fraud. I explain to the agencys that XXXX XXXX was only going through XXXX XXXX for loan. They didnt, they used multiple banks! The dealers ships used XXXX bankXXXX XXXX auto finance ( car dealer, XXXX  is the owners last name ). I have multiple inquirys from the same bank days apart. I have submitted my proof and even contacted FTC and filed a identity theft report. TransUnion has not let me dispute anything in months since I first filed a complaint.
Product: Debt collection

During a recent review of the consumer 's credit report, we discovered inaccuracies pertaining to three collections accounts managed by Midland Credit Management. Specifically, between XX/XX/2023, and XX/XX/2023, there were unexplained increases of {$1.00} each in the balances of these accounts, as detailed below : Account with Midland Credit Management Account Number : XXXX Previous Balance ( as of XX/XX/2023 ) : {$6400.00} New Balance ( as of XX/XX/2023 ) : {$6400.00} Account with Midland Credit Management Account Number : XXXX Previous Balance ( as of XX/XX/2023 ) : {$450.00} New Balance ( as of XX/XX/2023 ) : {$450.00} Account Number : XXXX Previous Balance ( as of XX/XX/2023 ) : {$340.00} New Balance ( as of XX/XX/2023 ) : {$340.00} These discrepancies are not only concerning but also detrimental to the consumer 's creditworthiness and financial standing. It is imperative that these inaccuracies are promptly investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and fairness of the consumer 's credit report. 

We kindly request the following actions be taken : Conduct a thorough investigation into the reported inaccuracies in the balances of the XXXX  collections accounts managed by Midland Credit Management for the specified time frame. 

Verify the accuracy of the information reported by Midland Credit Management and ensure that any erroneous data is rectified immediately. 

Remove the incorrect information from the consumer 's credit report to prevent any adverse effects on their creditworthiness and financial standing. 

Provide a written response outlining the findings of the investigation and the actions taken to resolve this matter. 

We appreciate your prompt attention to this issue and your dedication to maintaining the integrity of the credit reporting system. Please do not hesitate to contact us at XXXX if you require any further details or documentation to assist in your investigation. 

Thank you for your assistance in rectifying these inaccuracies and ensuring fair and accurate credit reporting.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration concerning the ongoing issues I have been experiencing while trying to remove fraudulent items from my credit file with XXXX, XXXX and Transunion Credit Bureaus. These fraudulent items have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. I believe it is essential to provide an overview of the numerous attempts I have made : I first noticed the fraudulent items on my credit file and promptly contacted XXXX, XXXX and Transunion Credit Bureaus. I explained the situation and submitted the required documentation. I was assured that the issue would be corrected promptly. After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. Kindly help me remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The amount says I still owe on cards that is paid OFF! XXXX  Balance!!!!!!
Product: Credit reporting or other personal consumer reports

i have accounts, collections, inquiries, and addresses that are not mine reporting to my credit report. this is wrong, inaccurate and not mine. I have reached out multiple time to the credit bureau and i want all of this removed immediately. this is incorrect information. i did not authorize anyone using my information. i have been contacted on multiple occasions even after telling them to stop contacting me and that these were opened fraudulent. they disagree and have continued harrassing me. 

Inaccurate accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00}, XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$720.00}, XXXX XXXX XXXX {$1300.00}, XXXX XXXX  XXXX {$680.00}, XXXX XXXX XXXX XXXX {$2100.00}, XXXX XXXX XXXX XXXX {$380.00}, XXXX XXXX XXXX XXXX {$760.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inaccurate addresses being reported are : XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX FL These are inaccurate and should be removed.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Product: Mortgage

I am trying to complete a Home Equity Line of Credit loan with JP Morgan Chase. They discovered an " open '' lien from XXXX of their predecessor banks ( XXXX XXXX Bank XXXX New York ). I provided XXXX evidence of the pay-off of that loan in 1996. They still have not processed this lien satisfaction and now have closed the application due their own inability to process in a timely fashion. This has closed my fair access to such credit to be denied.
Product: Debt collection

I have had an account with American express and it was a charge card which I was not familiar with how it worked. They asked me for multiple payments of 10 % on the balance and they still charged the account off and it is impacting my credit score negatively along with them putting it into collections. I received a letter from American Express stating that if I paid off the balance I could receive another credit account with them. I am not interested in another account with American Express at this point in time. I would only like to pay the amount that is owed. I called and asked for help and no one at XXXX seemed to be remotely interested in helping me get the issue resolved. I was transferred multiple times and told that no one could assist me. I manage my credit responsibly and I have never had a late or delinquent payment. They did n't seem to want to work with me and I had to come here to seek help. I am willing to pay the entire balance and I have informed American Express of my intentions. The representatives on the phone that I spoke with most recently were very rude and unwilling to provide assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I would like to request that the following account XXXX Account # XXXX be blocked and removed from my report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Debt collection

I disputed XXXX debts posted by this collection agency to my credit reports, as they are not mine. However, when I disputed them, the company re aged the debts and posted them to my report as if they were new. Please have them removed.
Product: Credit reporting or other personal consumer reports

Heres a formal complaint Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Failure to Issue 1099-C for Charged-Off Debt Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX XXXX XXXX regarding their failure to issue a 1099-C Cancellation of Debt Form for my XXXX XXXX XXXX XXXX XXXX Despite multiple attempts to resolve this matter directly with CXXXX XXXX XXXX  they have refused to provide the required tax document in accordance with federal law. 

1. Background of the Issue XXXX XXXX XXXX XXXX account was charged off on XX/XX/XXXX, and later sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIn their written response dated XX/XX/XXXX, XXXX XXXXXXXX XXXX stated that a 1099-C tax form is not required because the charge-off does not equate to debt forgiveness. 

However, according to IRS regulations under 26 U.S. Code 6050P, creditors must issue a 1099-C form when a debt of {$600.00} or more is discharged, canceled, or written off as uncollectible.

2. Violation of IRS Reporting Requirements XXXX XXXX XXXX has failed to issue the required 1099-C despite confirming in writing that the debt was charged off and removed from their books. If XXXX considered this debt uncollectible for their own accounting and tax purposes, they are legally obligated to issue a 1099-C to both me and the IRS. Their refusal to do so violates federal tax laws and creates potential tax complications for me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX U.S.C 1681 section 602 A : States I have the right to privacy. 

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I submitted and mailed a certified letter to Experian for which they signed for on XX/XX/2019 regarding negative information reported by XXXX XXXX XXXX, Bankruptcy chapter XXXX-discharge in the file they maintain under my Social Security number. I challenged the accuracy, compliance and reportability of the listing and their Method of Verification. Experian failed to investigate with in the 30 day required by Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

I am submitting this follow-up complaint in reference to Complaint # [ XXXX ], where I requested the deletion of certain accounts within 15 days. I am unable to respond directly to the ongoing complaint, but I need to bring to your attention new concerns regarding Experians actions.

Despite my request for the deletion of the accounts, I have observed troubling behavior that warrants further investigation. Specifically, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX updated my credit information on the same day within 10 days of my dispute submission to Experian. These updates were made only to Experian and were not reflected in XXXX or XXXX, which raises concerns that Experian may have influenced these lenders or taken the matter personally.

Additionally, while these accounts were updated, they are still inaccurate and have not been deleted as requested. This further demonstrates Experians failure to comply with the Fair Credit Reporting Act ( FCRA ) and resolve the issue appropriately.

I believe these actions violate the FCRA, and I request that this issue be investigated thoroughly. I have provided evidence of the updates, and I respectfully ask that Experian be held accountable for their role in potentially coercing lenders to make these updates.

Furthermore, I previously stated my intent to file a lawsuit against Experian on XX/XX/year>. However, since that date falls on a Saturday, I will now be filing on XX/XX/year>. Please update my complaint to reflect this change.

Please consider this follow-up as part of the original complaint process and take it into account as you continue investigating.

Thank you for your time and assistance.
Product: Checking or savings account

On XX/XX/27, late evening, I was trying to purchase rare livestock and was planning to use Venmo to secure the purchase. 

I had driven all the way to the location to pick up the animal and tried accessing the app to pay the other party, but the app refused to send my money stating there was internet issues, even though we tried two wifis and data only, restarted the device, tried force stopping the app, tried uninstalling and reinstalling the app... Nothing worked and in fact, when attempting to log back in to the app, the app refused to accept my password, and then refused to send me a password reset link for several hours... I believe you can clearly see evidence of damages here and when attempting to have the company address the issue, the denied any issues on their end even though they admitted that the app sometimes doesn't work if your phones normal device settings are on ... i.e. you can not have WiFi and data turned on sometimes... The app does not have this info posted anywhere for consumers to access nor is that solution viable to what I experienced.

The app owes me money and I would like them to do the right thing for making a costly mistake that only affected me.
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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # 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 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

XXXXXXXX XXXX client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for several credit cards. While no accounts were established the applications left fraudulent related inquiries on his credit reports. TD bank received one of these fraudulent applications XX/XX/XXXX and conducted an inquiry into his XXXX credit report. An official dispute of this was sent to TD Bank XX/XX/XXXX however as of this date TD bank has failed to send an update of the status of the investigation ; which is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

All Dept EDXXXX accounts are reporting late payments : They each have 1 payment that were not caused by me. These are in deferment. Also it violates 15 U.S. Code LAW 1681i ( 5 ) Removal of Inaccurate and Invalidated Credit Information. As I understand, Im supposed to receive notice within 21 days before a late payment happens but I was not informed otherwise I would have handled the issue.

AND you guys are violating 15 U.S. CODE LAW 1681e ( b ) - Compliance procedures maximum possible accuracy. All of these accounts including the student loans are not reporting the full account numbers which makes the account inaccurate. These are the accounts that are each reporting 1 late payment. 

1. DEPT OF ED/XXXX  Account Number : XXXX 2. DEPT OF ED/XXXX  Account Number : XXXX 3. DEPT OF ED/XXXX  Account Number : XXXX 4. DEPT OF ED/XXXX  Account Number : XXXX 5. DEPT OF ED/XXXX  Account Number : XXXX 6. DEPT OF ED/XXXX Account Number : XXXX 7. DEPT OF ED/XXXX Account Number : XXXX 8. DEPT OF ED/XXXX  Account Number : XXXX 9. DEPT OF ED/XXXX  Account Number : XXXX 10. DEPT OF ED/XXXX  Account Number : XXXX 11. DEPT OF ED/XXXX  Account Number : XXXX 12. DEPT OF ED/XXXX  Account Number : XXXX 13. DEPT OF ED/XXXX  Account Number : XXXX 14. DEPT OF ED/XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I TRY REACH OUT TO XXXX, TRANSUNION, AND XXXX XXXX XXXX ABOUT THIS ACCOUNT REPORT ON MY CREDIT REPORT. 

In accordance with the Fair Credit Reporting Act the list of accounts has violated my federally protected consumer rights to privacy and confidential under the 15 USC 1681. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX  # XXXX has violated my rights 15 USC 1681 section 602 A states i have the right to privacy. 

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

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

In accordance with the Fair Credit Reporting act, 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.

15 U.S.C 1692b acquisition of location information by debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting yet another CFPB Complaint to inform the Credit Bureaus that they are reporting erroneous information on my Credit File. Upon reviewing my credit file, inaccurate and misleading accounts are being reported on my Credit file. The Equifax, XXXX, and XXXX XXXX Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following accounts are inaccurate and I never received anything from the Credit Bureaus as proof of verification to support the Credit Bureaus claims that the Accounts have been verified. They have failed to provide me with the written authorization or update and remove these accounts from my credit file. I need the following accounts investigated to be corrected and or removed as soon as possible. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Owed : {$9600.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$30.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Product: Checking or savings account

My saving account restricted over XXXX without any reason. 

I did identity verification with rep and call with customer service team hundreds of time but never gave me the proper answer! just wait till the new notice. 

I really don't want to keep my account anymore on this bank. 

Want to close my account and return my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : I have these 2 accounts on my credit report that are fraudulent. XXXX XXXX XXXX and IQ Data International. XXXX XXXX XXXX just reported to my credit report and are acting like they can not do anything. I need this resolved immediately. I have attached my police report. They are reporting to all 3 bureaus and they need to unreport.