23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am filing this complaint because Equifax has continued to ignore my request to provide the documents that they have on file that was used to verify the accounts I disputed. Being that they have exceeded the 30 day mark and can not verify or validate these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

I went to XXXX XXXX XXXX store to get a bed for my new place in XXXX. The store rep told me the bed I chose was on sale for {$1100.00} which was a great deal. Upon me signing everything to take advantage of the XXXX same as cash a bunch of extra fees were thrown in before me even getting the bed delivered to my home which now totaled {$1400.00}. The store rep told me dont worry about anything else and that it will show a balance of {$3300.00} but i only pay {$1400.00} which was still more than i originally agreed to. I was charged a delivery fee when the store told me it would be waived. Upon me calling XXXX to ask why my bed shows a balance of {$3300.00} they advised me that i was no longer enrolled in the 90 days same as cash and told me i would have to pay {$300.00} to be re-enrolled with the promotion. I was lied to and taken advantage of. This same bed is {$1200.00} dollars on XXXX and {$1100.00} on XXXX. I would never agree to over paying by an extra almost {$3000.00} dollars for a bed! The company knows they are wrong which is why they are offering to settle with me for {$1600.00}. The balance needs to be DECREASED to {$1100.00} the original amount and late payments associated with this account need to be REMOVED as well. You all increased the balance and that is INCORRECT! This is affecting my livelihood and ability to get approved for things in my life. THIS IS UNETHICAL PRACTICES!
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute & Demand for Verification Violation of FCRA & Proof of Charge-Off ( 1099-C ) To Whom It May Concern, I am formally disputing the reporting of the following accounts on my credit report due to inconsistencies, lack of proper validation, and potential violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discrepancies & Reporting Errors 1. Upon reviewing my credit reports from Equifax, XXXX XXXX XXXXXXXX, I have identified inconsistencies in how this account is being reported, including but not limited to : Creditor Name Discrepancies The same account is being reported under different creditor names across different bureaus, which is misleading and inaccurate per the FCRA ( 15 U.S. Code 1681s-2 ).

2. Balance & Charge-Off Reporting The reported balance remains despite being classified as a charge-off. If this debt has truly been charged off, per IRS guidelines, a 1099-C Cancellation of Debt should have been issued, reflecting a XXXX balance. 

3. Failure to Provide Proper Validation The creditor has failed to provide clear documentation proving the legitimacy of this charge-off. Under 15 U.S. Code 1681i, I have the right to demand a full validation of this account.

Demand for Immediate Action Pursuant to my rights under the FCRA and other consumer protection laws, I request : Immediate deletion of this account due to the inaccuracies and failure to provide proper validation. 

A copy of the 1099-C tax form that should have been issued if the account was charged off.

Verification of the original creditors information and clarification regarding the conflicting account details.

Failure to comply with this request within 30 days will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office for noncompliance and willful misrepresentation under federal law. 

Please confirm receipt of this dispute and provide a written response detailing your findings. 

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

I have placed XXXX seperate complaints to Equifax, XXXX, and XXXX about WV Department XXXXf Health from XXXX  that is outdated and still being reported without my express written consent from me to place in my consumer report. I have pointed out the date and incomplete data and asked them to remove it. Equifax, XXXX, and XXXX keep telling me that it has to stay on my report because the company says so.
Product: Checking or savings account

I deposited high yield saving account of Marcus by Goldman Sachs and tried to withdraw XXXX usd on XX/XX/year> but they didnt let it happen. I called and they said needed verification. An agent told me I was not allowed to transfer and need to complete a physical document. I have all information they need and they should not have verification needed. It looks like a scam. I went online and saw others having the same situation and wanted to get all my XXXX money out. But the second time I called them an agent said it was ok to withdraw. After the call, I waited a few days and the money was still not out and bounced back to the account. I called again and they said I needed a physical document to be notarized. Now is Already XXXX and the document is still not here. They would not provide any reason why the verification failed and kept holding the money. I need the money out asap. Please help.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Contacted XXXX ( XXXX ) Spoke with a representative by the name of XXXX. I requested a copy of the 1099-C form XXXX filed XXXX the IRS. 

On XX/XX/XXXX an email was sent from XXXX with a copy of the 1098 form, after requesting a copy of the 1099- c form as well.

Not only is this company committing security fraud, but they are committing tax frau das well. 

While I have received the 1098 form via email and mail, I have NOT received the copy of the 1099-C Cancellation of debt form that XXXX filed with the IRS. It is important to rectify this situation promptly to avoid potential tax implications and to ensure accurate reporting on my consumer report. 

If XXXX was able to send the copy of the 1098 form via email and mail, why are are they witholding the copy of the 1099 - C, and why wasn't a copy sent to me as soon as filing with the IRS? I am requesting XXXX to send me the requested documents per my request immediately. 

I am also requesting your company to cease requesting payments on an account that has been canceled debt. It is important to align with the FCRA, and IRS guidelines and accurately reflect the cancellation of debt status to avoid any further confusion or potential legal issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt authorize any of these 4 inquires.I called the credit agency and they could not inform me who input my information XXXX  XX/XX/XXXX XX/XX/XXXX Bank Creditor Contact Details XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX See something wrong? 
Find out how to dispute a hard inquiry. 
XXXX XX/XX/XXXX XX/XX/XXXX Finance Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX See something wrong? 
Find out how to dispute a hard inquiry. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Product: Debt or credit management

We are dealing with fraud, and I would like the Consumer Financial Protection Bureau ( CFPB ) to get involved, they are the Bureau that deals with fraud. And this is the statement that Brock & Scott gave.

. We have no legal obligation to provide a debt validation, and will not be providing, any affidavit or similar document. 
THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Product: Debt collection

I am writing to you in regard to a matter of utmost urgency concerning fraudulent accounts and identity theft reflected on my credit report. Upon reviewing my credit report, I have discovered accounts that are the result of identity theft, and I am requesting the immediate removal of these fraudulent entries.

I want to emphasize that I did not open or authorize these accounts, and I believe I am a victim of identity theft. I am deeply concerned about the potential harm to my financial well-being and creditworthiness, and I am taking immediate steps to rectify this situation.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough investigation into the legitimacy of these accounts and take swift action to remove them from my credit report. I have attached supporting documentation, including a copy of the identity theft report I filed with law enforcement, as well as any additional evidence that may assist in your investigation. 

XXXX XXXX XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 

I demand quick corrective action to address the errors that are still damaging my credit score because I am furious that this dispute is not being resolved.

I appreciate your prompt attention to this matter and your commitment to protecting consumers from the serious consequences of identity theft. If there are any additional steps or information required from my end, please do not hesitate to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank account has been getting charged for experian monthly services for several months now. When I called experian on XX/XX/XXXX the representative told me to go online and verify my phone number or verification method to get into my account. When trying to get into my account the verification method is someone else phone number. After I stated this the representative told me it was a technical issues!!! I stated that thats fraud I cant get into an account that youve been charging me for for months and the phone number listed is not mines. The representative still insisted that it was a technical issue and wanted me to put my new phone number on file so she could delete the old one. I told her no I would be making a fraud alert. Ive had this issue several time in the past started in XXXX while I was XXXX XXXX in the Military. Ive filed police identity fraud reports in XXXX, XXXX through XXXX. This has been an ongoing problem even when I put my credit profile on lock or place A credit fraud someone stills runs it no one calls to verify my information and the creditors wont delete!! Experian has been sued plenty of times for leaks of personal information and still have yet to reimburse me for any of the problems this has caused. If someone else number is listed I cant even get in the account TRAIN YOUR REPRESENTATIVES to know the difference between TECHNICAL AND THEFT. If an authorization is used to get into someones account thats a SECURITY METHOD/RISK NOT A TECHNICAL ISSUE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media I've been seeing about several hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus. I filed a police report to notify authorities. So far no actions have been taken by any of the credit bureaus. 

Below are fraudulently unauthorized inquiries on my report : Company : Ally Financial Date : XX/XX/XXXX Company : XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX DEALER XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Company : XXXX XXXX Company : XXXX XXXX Below are the Company, Account #, Dates opened, and balances for the inaccuracies reporting on my credit report : Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$390.00} Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$3900.00} Company : DEPT OF XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX   XXXX  Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$6200.00} Company : XXXX Account # XXXX Date Open : UNKNOWN Balance : {$100000.00} Company : XXXX   Account # XXXX Date Open : XXXX XXXX Balance : {$12000.00} Company : XXXX  Account # XXXX Date Open : XXXX XXXX Balance : {$8500.00} Company : XXXX & CO Account XXXX XXXX Date Open : XX/XX/XXXX Balance : {$370.00} Company : XXXX XXXX Account XXXX XXXX XXXX Open : unkown Balance : unknown
Product: Credit reporting or other personal consumer reports

I noticed some unauthorized inquiries on my credit report today, and Im at a loss as to why theyre there. Everything seemed fine until now, and suddenly, there are issues that make no sense. I refreshed my browser thinking it was just a glitch, but the problem persisted. I demand a thorough review of the documents Ive provided so I can finally put this problem behind me.
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  Account # XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$290.00}, XXXX XXXX XXXX {$560.00}, XXXX XXXX XXXX {$1200.00}, XXXX XXXX XXXX {$1900.00} 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 permission
Product: Checking or savings account

I'm a XXXX XXXX XXXX XXXX uses payfare to mediate their transactions. On XX/XX/XXXX the XXXX XXXX app went through what's considered an " outage. '' The app crashes and payments go haywire. During this specific outage, I had 2 separate deposits from two different " dashes. '' 1 in the amount of {$15.00} and the 2nd for {$21.00}. I had to make SEVERAL phone calls up until just before I typed this complaint now on XX/XX/XXXX. I had a phone call with a representative that saw that my payments were floating and confirmed they were supposed to have the money hit my account in within " 5 business days ''. I made several phone calls more because I XXXX XXXX full time, 7 days a week, and that's unfair for me to work as hard as I do, ( As a top dasher  for the last 4 months straight ) and not be compensated for my labor. In addition to that initial problem, through several more hour ( s ) long phone calls, I also had to wake up one evening after finishing my dashing day with {$19.00} in my account. I wake up to 5 charges from earlier that morning to afternoon, charging my account again, finalizing my account at that time to - {$36.00}, On XX/XX/XXXX around midnight. I made SEVERAL phone calls after that, to no avail. Days later, I get a notification in the interim, saying that the XXXX XXXX XXXX has been having issues with gas stations and pending charges. After more phone calls and getting the " run-around '', I spoke with another dasher direct representative who confirmed that my balance during that phone call was {$63.00} and that my account was supposed to reflect {$120.00}. And was still missing {$59.00} in more floating payments. 

The total of money missing is : {$15.00} ( 1st deposit XXXX ) {$21.00} ( 2nd deposit XXXX ) {$56.00} ( - {$19.00} -> - {$36.00} XXXX  Money taken ) {$59.00} ( Phone call confirming additional Missing payments ) The total amount I'm missing is : {$150.00}. 

That's what I earned and is not in my account and that's all I want. I've had so much hardship begins of missing money. I've run out of gas twice because money has been missing from my account. I've been stranded with car troubles and can't use my card because they're withholding money. This needs to be resolved and if possible with extra for the inconvenience and phone call games. 

I don't deserve to be withheld from my EARNINGS.
Product: Credit card or prepaid card

I contacted Capital One back in the first of XXXX to notify them of financial hardship as well as to explain that one of my bank accounts that primarily paid this monthly payment was compromised but I made a manual payment. When I was reviewing my credit report on XX/XX/2023 I noticed I received a " late '' or default payment mark on my credit report. I contacted the company to see how I could dispute this remark and was transferred and spoke to a representative in the Fraud Account Team by the name of XXXX. XXXX advised that the accounts were actually closed ( I had no knowledge of this because my credit file had this account reflected as open ). I advised that I was not notified of the closure and advised that the accounts were being inaccurately reported as open, this is against the law. XXXX stated a letter was dated XX/XX/XXXX and read me the details. I advised that I did not receive the letter and wanted the late remarks removed and completely deleted from all three credit bureaus due to the false reporting. This company should not have reported a closed account as open for almost XXXX months, they were negligent in not reporting accurately. I received a notification on XX/XX/2023 via credit monitoring that the account has been updated as closed but the damage has already been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, 3 Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} XXXX  XXXX XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$40000.00} XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXXXXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report : XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account I believe that these accounts have been inaccurately reported to the credit bureaus, and I am requesting that they be removed from my credit report.

According to the Fair Credit Reporting Act, credit reporting agencies must investigate disputed items on a credit report within 30 days of receiving a dispute. I am requesting that you investigate these accounts and remove them from my credit report if they are found to be inaccurate or incomplete. 

I would also like to request that you provide me with a copy of my updated credit report once the investigation is complete. 

Thank you for your attention to this matter. 

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

There are numerous errors on Experian Report XXXX we have been attempting to correct since XXXX. Below are the contact dates. These errors were corrected easily with XXXX and XXXX. 

Experian Contact Date of request ( s ) from Experian Website, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Text below is from the most recent letter sent XX/XX/XXXX. Along with this letter, images of proof of payment were provided. As of right now, it is impossible to talk to a living person at Experian for assistance. 

XX/XX/XXXX To : Experian Re : Inaccuracies on Credit Report XXXX From : XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX Please correct the following errors on my Credit report. I have attempted uploads of the attached files online on XX/XX/XXXX and received confirmation of the upload. 
On XX/XX/XXXX received an email indicating the investigation was complete but the account info was not updated. 
I followed up with a phone call to XXXX from XXXX XXXX on XX/XX/XXXX. She asked that the files be uploaded again but could not access the uploaded files. I am mailing hardcopies since the online system does not work. The attached proof of payment is irrefutable. These inaccuracies were corrected with minimal effort with the other two credit bureaus months ago. 
A hardcopy of this letter will be sent certified mail with return receipt. I will file a complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX if these are not corrected promptly. Please contact me at XXXX or email XXXX with any questions. 

Please correct the 4 errors that follow. 

Proof of Identity attached : Image of NY state drivers license. 
Bank records. 





Error 1. XXXX XXXX account XXXX, XXXX opened XX/XX/XXXX was paid in full on XX/XX/XXXX. The Experian report still shows a balance of Error 2. XXXX XXXX, acct # XXXX date opened XX/XX/XXXX, was paid in full XX/XX/XXXX Error 3. XXXX XXXX XXXX, acct XXXX, opened XX/XX/XXXX, was paid in full XX/XX/XXXX. 











Error 4 XXXX XXXX XXXX, acct XXXX XXXX XXXX XXXX, date opened XX/XX/XXXX, paid in full with check dated XX/XX/XXXX. Acknowledged as such by creditor in letter dated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with the creditor of my auto loan in XX/XX/XXXX and XXXX to XX/XX/XXXX stating my loan is not appearing on my Transunion credit report but its showing on the other two : XXXX and XXXX. The creditor repeatedly tell me they are. I contacted Transunion and got no where. I even sent a certified letter of my complaint but got no where. I pull a recent copy of my credit report, got a statement from the creditor and called Transunion. They tell me my creditor has to call the marketing service department at Transunion. I relayed the message to my creditor to no avail.
Product: Debt collection

Harassing telephone calls at XXXX and XXXX in the morning. I have repeatedly asked them to verify what is in collection and they refuse to tell me. I have no accounts in collection on any credit reports. I have repeatedly blocked numbers and have tried to call the company back to find out more information but they will not tell me what they think is in collection.