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

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINICIPAL IS NOTICE TO AGENT Exquifax you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
1. XXXX XXXX XXXX 2. XXXX XXXX  - {$24000.00} The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 

You and your inaccurate reporting have damaged my livelihood 15 U.S Code 1681s-2 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 has reasonable cause to believe that the information is inaccurate.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION : a law or regulation forbidding something As defined by the IRS Even if you didnt receive a form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS clearly says a cancelled or charge off is income. The reporting of this account as a debt is inaccurate.

15 USC 1681 s-2 says you Exquifax are a furnisher of information to a consumer reporting agency.

YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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.

If you continue to report this account this is considered willful noncompliance.

15 USC 1681 s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A persona shall not furnish information relating to a consumer to any consumer reporting agency if - ( ii ) the person has been notified by the consumer, at the address specified by the person for such notices the specific information is inaccurate ; and ( ii ) the information is in fact inaccurate.

In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact inaccurate.

The continued reporting of this inaccurate information is a clear violation of the law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting.

This a final opportunity to cure and delete this erroneous inaccurate account from my consumer report.
Product: Checking or savings account

XXXX XXXX my Chime account was XXXX XXXX, {$200.00} from a XXXX XXXX. This individual was as able to get into my chime account and " HELP '' himself to my money! So I reached out to Chime and filed a dispute like they advised me to do so and within a couple of days, they put money back into my account. Then on XX/XX/2023, XXXX XXXX did it again for the same amount. So again, I notified Chime of the issue and filed a dispute and waited on my {$200.00} to hit. Well days went by and, nothing. So I called Chime and this is what they told me. We need more information from you and this came in a email to me. So I emailed back to Chime with no response from Chime on as to how this person gained access to my account?!?. Chime told me that they would reopen my dispute and have a different dispute representative look into my claim. I kept looking into my Chime account for the dispute to be reopened and surely they would put my money back into my account because he had done this before and Chime knows this isn't my doings. Days went by with no activity on my account as to a credit to the money missing so again, I called Chime and the same thing over and over. I even called XXXX XXXX and that was a JOKE to say the least. So I reached out to this person on XXXX XXXX, the person who XXXX XXXX  himself off my Chime account and HE ADMITTED IT TO ME Over MESSENGER!! I immediately contacted Chime and even sent them screenshots of the conversation that I and this XXXX XXXX has over messenger. I got a unsatisfied response from Chime, they didn't find any wrong doings into this dispute and denied it over and over again. Now what? I have proof of his wrong doings and he is tried to do it even a third time. Now what, I'm out and he still has my {$400.00}!
Product: Mortgage

I have requested that the PMI Insurance requirement be stopped many times, beginning back on XX/XX/XXXX to as recently as XX/XX/XXXX and again on XX/XX/XXXX. 
My original request was with Ocwen Loan Servicing and is now with PHH Mortgage which acquired Ocwen as of XX/XX/XXXX. 
I have called numerous times and gotten various responses and various conflicting correspondence via email and mail with both servicers. Initially I was told 1. the loan had to be current every month since inception of the loan to be eligible to stop PMI at the mid point which was XX/XX/XXXX. 
2. Then I got a letter saying it would automatically stop only to receive another letter that said it would not. 
3. Ocwen told me I had to pay for a agent of their choice at a price of {$500.00} (? ) to determine loan to value. The tax valuation was not good enough nor was the assessment of a registered Architects valuation. 
4. I was also told that my house was rented so I had to keep PMI. For the record my home has NEVER been rented and continues to be owner occupied. 
They basically have refused to remove the PMI no matter what I do or who I ask and I do not feel I should have to pay a very expensive realtor of their choice on a mortgage that will mature in XXXX! I have tried arbitration to no avail either.
Product: Debt collection

I received a phone call in XX/XX/XXXX from XXXX representing XXXX XXXX saying I owed on XXXX XXXXXXXX account they claimed I last paid in XXXX. I told them I did not recognize that account and it isnt mine. On XX/XX/XXXX I received an email from XXXX representing XXXX Associates saying I owe them on an account now saying the last payment was in XXXX - so the rep lied as the date now makes it out of the statute of limitations to sue since I do not even claim this account. I also got a letter from them a few days later. I completed the form to dispute and returned it via certified mail. I got the received receipt early XX/XX/XXXX. Never received any information from XXXX showing I own this account. Then beginning in XXXX I received contact from XXXX through XXXX XXXX. The email sent on XXXX gave me an amount but no dates at all. Shortly after I got 2 phone calls a day for a few days. I called and told the rep it is not mine and I am disputing it. She became belligerent talking over me saying she doesnt believe I dont remember and that it wont do any good to dispute it. I hung up. I sent the dispute form in and on XXXX filed a complaint with the PA Attorney General. After XX/XX/XXXX XXXX added this account on my credit report- despite not validating this debt. I believe they know they cant validate it as it isnt mine and they are trying to bully me into paying by barraging me with debt collectors and adding unverified info to my credit report
Product: Credit card

On XXXX XXXX, I bought a cell phone from XXXX using my capital one XXXX credit card. On XXXX XXXX, I got the XXXX XXXX phone, which is defective. I called XXXX XXXX times from XXXX XXXX to XXXX XXXX to return or exchange the phone, they promised to let me return or exchange the phone but did not give me the XXXX number which is a prerequisite for return or exchange. On the morning of XXXX XXXX I called Capital One to dispute the charge of {$79.00}, and Capital One refunded me the amount. After XXXX XXXX, XXXX sent me another phone which works and I returned to them the XXXX phone. After XXXX XXXX because the phone service on the second phone was cancelled due to the chargeback on the credit card, I called XXXX several times and told them I am happy with the second phone and requested to resume the service. They kept telling me they are not going to resume the phone service on the second phone due to the credit card chargeback. Before XXXX XXXX, their response might be reasonable because of the chargeback. However, things totally changed on XXXX XXXX, when XXXX rebilled my credit card and it showed up on my capital one account. On XXXX XXXX, I called XXXX, requesting to resume the phone service with them since they already rebilled {$79.00} to my credit card on XXXX XXXX. However, XXXX refused to resume the phone service for me. This is unreasonable, if you do not want me to use your service, why you rebill my account. Charging me {$79.00} and refusing to let me use their service is just wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loans with Navient and XXXX which Ive been trying to solve since last year. I have wanted to come to a resolution with my loans but unfortunately someone has filed a class action lawsuit which wont allow me to touch my loans. I cant even pay on them. They have been on my credit report since 2004. They should not be on my credit report after 7 years. I know students who took loans with me in the same year and had the same status as my loan currently is, yet their loans have been removed from their credit report because of the time passed. 
Please have these loans removed from my credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$480.00} XXXX  XXXX Balance : {$660.00} XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$180.00}
Product: Debt collection

I am receiving calls ( XXXX ) a day from BBVA Compass and have told them on the phone and in writing I am not XXXX XXXX ( my name is XXXX XXXX ) and to please stop the barrage of calls. They clearly do n't believe me and another person may call within hours, most certainly days. I should n't be getting calls all evening and I have an XXXX shift and head to bed early around XXXX. Weekdays, weekends, they do n't believe me and wo n't stop. What do I do?
Product: Checking or savings account

A XXXX  law firm obtained a judgement against me and levied my bank account. The state laws in XXXX  and XXXX  both have laws about funds that are exempt from levies. I have {$210.00} in my PenFed checking account, and {$300.00} in my PenFed savings accounts, for a total of {$510.00}. These funds are used for living expenses and are exempt from levy under law. The levy has been in place since XX/XX/year>- for over 40 days. The law in XXXX, where the law firm is located, requires an automatic exemption of nearly {$1700.00} from levy. The levy and judgement are related to a default judgement against my company. I was also listed in the lawsuit as the owner of the company. My accounts at PenFed are personal consumer accounts- not business accounts. Although the judgment was executed in XXXX, I live in XXXX. The law XXXX, XXXX XXXX Certain amount in personal bank account not subject to execution, exempts {$2000.00} from levy execution.
Product: Credit card

I am disputing unfair and deceptive credit bureau reporting information against creditor Capital One. I had settled in full my charged off credit card account with a debt a collector called XXXX XXXX XXXX on XXXX/XXXX/XXXX. The manager at XXXX assurred me that once my account was paid the information would be provided to Capital One at which time the account would also reflect the same type of reporting to the credit reporting agencies. Since I settled this account in full, Capital One has been reporting incorrect information about this account to XXXX, XXXX and XXXX. I disputed this account with all XXXX of the credit reporting agencies, requested a FULL DELETION and achieved absolutely no results, no help and no explanation whatsoever on why the incorrect information should remain the same. I then receive a letter from Capital One dated XXXX/XXXX/XXXX acknowledging my disputes however the information the credit bureaus provided to Capital One may not have contained all the information to fully understand my dispute so they requested I send supporting documentation. I cooperated and sent over all supporting documentation to Capital one. I called Capital One last week Wednesday XXXX/XXXX/XXXX to follow up on my dispute and confirm that they are reporting an incorrect Balance of {$320.00} still being owed on the account when it should be XXXX. I then advised that my account shows an incorrect past due amount of {$320.00} which was is also NOT CORRECT. I advised the rep they need to stop reporting the incorrect account info because they are violatng the FCRA. The representative at Capital One refused, was very unhelpful, unprofessional and did not provide me with any proof or support to justify their incorrect reporting to the credit bureaus. I advised her that I would be filing a complaint to the CPFB because I am done wasting my time filing disputes with the credit bureaus and done trying to prove they are reporting bogus information about my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft and somehow someone has got a vehicle in my name. The account is : 1. XXXX XXXX # XXXX I first notices it few months ago that I had a vehicle and a recent 30 day late payment. 

This account was not opened by me and I have included my ftc id theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

INITIAL REQUEST ASKED TO PROVIDE ORIGINAL DOCUMENTATION OBTAINING MY SIGNATURE. UNDER THE FCRA, BUSINESSES ARE REQUIRED TO HAVE A COPY OF THE ORIGINAL CREDITORS DOCUMENTATION WITH HARD SIGNATURES ON FILE. I HAVE ATTACHED WHAT WAS PROVIDED AS VERIFICATION WHICH IN TURN ARE FULL OF INACCURACIES AND ERRORS. I DEMAND FOR THIS ACCOUNT TO BE REMOVED AS IT HAS NOT PROVIDED VERIFICATION OF THE ACCOUNT. THE ACCOUNT SHOWS CURRENTLY THAT THERE IS A LAST DAY FOR PAYMENT OF XXXX, AND HAS AN ORIGINAL CONTRACT DATE OF XXXX. CONSEQUENTLY, XXXX HAS FAILED ONCE AGAIN TO PROVIDE PROOF OF THAT DOCUMENTION. A NOTICE TO ACCELERATE DOES NOT SUFFICE NOR CONSTITUTE A SIGNED CONSUMER CONTRACT. DELETE EXPEDITIOUSLY!!!! 

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credit report, that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of the items listed below. The items are incorrect and does not reflect my true credit history. 

The reported accounts XXXX XXXX  {$370.00} XXXX XXXX  {$780.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$610.00} XXXX XXXX {$1000.00} XXXX XXXX {$3100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment on my car loan and also there was an ACH. The company is BMW USA and they lost my payment and did a partial ACH and didn't record it as any payment credit. Ive tried talking to them and they refuse to acknowledge my payment even with proof from my bank account. As such, the bureaus refuse to help because BMW will not correct my payment history from XXXX years ago.
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. 

Account name : XXXX Account # XXXX Account name : XXXX, XXXX Account # : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Product: Credit card or prepaid card

In  XXXX  of  2016 , I enlisted the services of  XXXX   XXXX   XXXX   XXXX  to achieve lower interest rates and consolidate my credit card payments . Capital One Services, LLC a ccepted the proposed payments for  XXXX  separate accounts in letters dated,  XXXX   XXXX ,  XXXX   XXXX  and another  XXXX   XXXX ,  2016 . All three letters state the ca veat, it may ta ke 60 days for the terms of the program to apply to my account.  <P/>  XXXX   XXXX  has been punctual and accurate in administration the agreed payments in a timely manner, however Cap ital One  reported  XXXX  account o ver thirty days  late in  XXXX  and  XXXX  and another account,  30 1 20 months late in  XXXX ,  XXXX ,  XXXX  and  XXXX  of  2016 . The reports to credit agencies are in direct contradiction of th e 60 t erms of agreement written statement.  <P/> If needed I will submit payment reports/receipts from  XXXX   XXXX  and bank statements reflecting payments made to  XXXX   XXXX .  <P/> Extensive conversations  with Capital One representatives have not resolved the error, so Im reaching out for additional assistance  and feedback.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax and Experian for failing to remove a fraudulent collection account from XXXX XXXX XXXX despite clear evidence of identity theft. 

In XX/XX/XXXX, an apartment lease was fraudulently signed under my name without my knowledge or consent. I only became aware of this account when I checked my credit report in XX/XX/XXXX. I immediately requested verification from the debt collector, but they only provided the last billing statement and the leasenot sufficient proof linking me to the debt. 

I disputed this account with Equifax and Experian, yet both denied my dispute without properly investigating. Additionally, my name and addresses on my credit report were incorrect, further proving this account was fraudulently created. I was never notified or given an opportunity to dispute this debt before it was reported.

I have filed and attached an FTC Identity Theft Report confirming that my personal information was compromised in a data breach, making me a victim of identity theft. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), Equifax and Experian are required to block fraudulent accounts within four ( 4 ) business days after receiving my dispute and supporting documents. Their failure to do so is a clear violation of my rights under the FCRA and I will be following up on this on the XXXX business day XX/XX/XXXX. 

I demand the immediate removal of this fraudulent account from my credit reports and a written confirmation once it is removed. Failure to comply will result in further action. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing to Experian and XXXX since XX/XX/2017 regarding a CC bill from XXXX XXXX. The last collector for their account was XXXX XXXX I have gotten a letter from them stating that due to the information that I have sent them they have closed the account but Experian and XXXX still refuse to remove the charge from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial wellbeing. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manne