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

On XX/XX/23, I wrote American Express a letter informing them of their inaccurate reporting of an account on my consumer reports. Amex is in violation of multiple laws set forth by Congress.

15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( AMEX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( AMEX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. 
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 reporting of this account inaccurate! 
By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from AMEX for the cancelled debt of {$1200.00} in order to file as ordinary income. Where is my 1099-C AMEX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than {$600.00}. This is unsatisfactory! 
AMEX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information, and as such I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

" I have paid off a debt collection account, but it is still being reported on my credit. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$770.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis and XXXX are reporting false information that should be removed from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX someone used my name XXXX XXXX XXXX and possible my SSN ending in XXXX to apply for a XXXX XXXX credit card. Upon learning of this inquiry I immediately called XXXX XXXX and they stopped the application process and mark it fraudulent. I then spoke to Transunion but they requested several documents in writing, among them an FTC report which I have no idea how to obtain. Maybe you can mail them someone to : Transunion XXXX XXXX XXXX XXXX, PA XXXX Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I closed my XXXX account with XXXXXXXX XXXX on XX/XX/XXXX because I considered their new interest rates exhorbitant. I made several payments to pay off the balance. I thought I paid them off in full on XXXX XXXX with a payment of {$81.00} and threw away everything I had to do with this company. I received an alert from XXXX, my credit report monitoring company, that I owed them money and that my account was 30 days overdue. They said that my balance had been {$89.00}, not {$81.00}. I asked why I had not received any request for the balance via US mail, email or phone. They insisted that I must be wrong because they checked their system and it said they had sent it out. When I pointed out that things sometime get lost in the mail or delivered to the wrong address, she told me it was not her problem and that I should go to the post office to complain! At this point, we were talking about less than {$10.00}. I filed a dispute and eventually got a letter from them saying I was wrong and they were right. I also filed a dispute thru Experian because of the negative effect it was having on my credit rating. By this point, they said I owed them {$25.00}. They turned down that dispute as well. About a week later, I threw in the towel and made the disputed payment over the phone. The very next day I got an email from Experian stating that my credit report had plummeted another XXXX points because these fools had reported me as being over 60 days late. 

How can one company single handedly destroy my credit rating over a disputed {$25.00}? It took my decades to get my credit rating to exceptional and it is now only " fair ''. I am a senior citizen and this stain will be on me until I die. Does this punishment fit the " crime '' of questioning them? There is nothing fair at all about how I am being treated and spoken to by unreasonable people. I ask you : look at my credit history and tell me why I would torpedo my credit score over {$25.00}? A reasonable person would say there is clearly no fraudulent or criminal intent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to Equifax on the dates : XX/XX/2018, XX/XX/2018 and XX/XX/2018 regarding a medical collection account reported. This account is now known to me, I have never given any consent to anyone to share my medical information and I feel violated because of this. Whoever is reporting this account to Equifax should present my consent in accordance with Hippa Law. Also, the other reporting agencies are not reporting this account, only Equifax which I found suspicious.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : CFPB Nos. XXXX and XXXX Ally Auto Account Nos. ending -XXXX  and -XXXX  Reference account number ending XXXX  in the company 's own words " Vehicle-1 was deemed a total loss on XX/XX/XXXX. Your last payment prior to the total loss of {$600.00} was received by Ally on XX/XX/XXXX. '' The statute of limitation on debt is seven years. I reside in the state of GA. The state of GA statute of limitation is four years ( OCGA 9-3-24 ). ALLY 's response shows the last payment made on XX/XX/XXXX. Today is XX/XX/XXXX which is beyond the seven-year as well as GA Law statute.
Product: Student loan

I attended XXXX XXXX XXXX XXXX in XXXX and XXXX. Due to multiple class action lawsuits, the schools parent corporation, XXXX XXXX XXXX, went bankrupt and closed every single one of its schools. Previously I had been lied to about the salaries and the availability of work in a career in hospitality. I was told multiple times by multiple people that entry level salaries could be XXXX dollars or more. This was a complete and utter lie and had I known what the hospitality industry paid entry level employees I would NEVER have attended the school. I was forcefully encouraged to " hurry and sign '' loan documents without any explanation of fees and the overall cost of this education. Since I started repayment in XXXX, my original loan amount of XXXX dollars had doubled. I have been paying these loans for 17 years and my total current balance as of today is just under XXXX dollars. I have been paying MORE than my monthly payment amount, and my loans are not even being dented. I feel that I have been taken full advantage of by a horrifyingly predatory company, Navient who services my private loans. 

To date, I have already made nearly XXXX dollars in total payments, and yet my balance remains at just over XXXX dollars on an original loan amount of XXXX
Product: Credit card

I have a Capital One credit card. Someone who was living in my household ( former foster child ) used this card without permission and signed up for a XXXX subscription ( I believe it is called a Dash Pass ). This subscription continues to charge the card monthly and no matter what I do, I can not make it stop. We have reported the subscription as fraud, but it returns again the next month. We have gotten a new card, but then Capital One gives XXXX ( and other recurring charges ) the new card number to keep the subscription going. We have called XXXX, but they claim they can not find the charge because I don't have all the information about the subscription. In the meantime, I am charged month in, month out. 

My primary complaint about this situation is : why does a credit card company continue to give the new card number to the firm with the fraudulent subscription without my permission? It is as if I reported a card lost or stolen, but then they contacted the XXXX and gave them my new card number. This practice needs to stop. 

I will have to end my relationship with Capital One. But I doubt I'll ever see those 12 months of charges back, even though I've been fighting this for most of that period.
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiry on my personal credit report. I have listed the names of the company below, and the dates the inquiry was made. 


XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I started with Freedom Debt Relief in XX/XX/XXXX after trying to maintain minimum payments on a long list of credit card accounts. 

I was having a hard time making headway making minimum payments on our cards and needed to find some relief. I thought that going to a Debt Consolidation place would be the best fit. When I attempted to sign up, I wanted to get approved for a loan to consolidate all the debt, they told me I did not qualify for a loan which I believe was just a ploy to get me into their settlement program. 

I had no other options at that point but to do the settlement program. Prior to this, I had no late payments on any of my accounts and was told to stop making payments on my accounts so that they could go delinquent, it was only then that FDR could assist on my behalf. I enrolled my debt and continued making payments monthly to FDR who began settling my debts. 

In the fall of XXXX, they reevaluated my account and said based on my current settlements outstanding and the monthly payment I was making, they would need to extend my program from the initial 4 years to pay off because of all the extra fees and interest that accumulated. They then suggested we try the consolidation loan again and I was approved, but at a super high interest rate. 

Today I am paying XXXX a month on a XXXX $ loan and it is absolutely killing me. My credit is absolutely TANKED, I can not get approved for any type of loan that would help me get out of the situation that I am in with these high interest payments because of all the delinquent payments that are now showing on my credit report. 

I am stuck. I am tired of living pay check to paycheck. I feel like FDR totally scammed me and in the end has ruined my previously stellar credit reporting history by their " stop paying your payment '' tactics only to get me to pay " settlement fees '' to them and now higher interest. In the end, I will probably be paying more on this loan then I would have with the credit cards if I handled them individually.
Product: Credit card or prepaid card

I disputed a charge to XXXX XXXX XXXX XXXX store for over {$20000.00} because they had not started my project and I was canceling the project. They sent a chargeback letter XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX  was ok with my canceling the project, and the letter told them NOT to credit me back, since they had already processed a temporary credit to me. They had until XX/XX/2022 to respond. I contacted Chase to have a refund check issued back to me for the credit balance on my account after XX/XX/2022. They indicated they couldn't, since the vendor hadn't repsonded. I contacted the vendor and told them they needed to respond to the chargeback letter. They faxed for form back inidicating they agreed to the credit on XX/XX/2022. They sent this to their merchant bank and also directly to Chase. I contacted Chase on XX/XX/XXXX. They indicated they did have the letter, but still wouldn't issue the money back to me. I have called several times since then and have been told different things each time. Sometimes it is that I will get a link, where i can put in my account number and routing number, and have it transferred to my account ( which I never receive ) - Ive been told this 4 times... never comes. I've been told a check will be mailed, it never has happened. No one can actually get the money back to me.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I used my paypal line of credit to purchase an in person training class to be completed on XX/XX/2022 as well as a facial beauty tool to be trained on for the amount of {$2800.00}. As of XX/XX/XXXX I still had not heard back on a confirmation of scheduling the class and I also was in the user group and saw lots of issues with the machine overheating and people having to buy 2 of them to work throughout the day etc. On XX/XX/XXXX I emailed and asked if I could just cancel the order due to my concerns and return the package once it arrived. On XX/XX/XXXX, the vendor agreed in writing to issue a full refund upon returning the unit and paypal instructed me to insure the package $ XXXX provided the mailing address for me to send it to, suggested I send it with a signature required, and instructed me to load the tracking information once It was complete. I did all of that exactly as instructed. Paypal stated that once the item was confirmed it was recieved I would receive a full refund 5 days later. I tracked the package, The item was signed for by the vendor herself according to usps on XX/XX/2022. I had to file this dispute many times and paypal kept denying my case. On XX/XX/XXXX I tried to reach out to the vendor to see what was going on and she didnt respond. its a very long story but the short version of this story is, the vendor agreed to issue a full refund for the IN PERSON TRAINING CLASS and the pen she was going to train me on. She received her pen back and signed for it herself and suddenly she changed her mind, decided she was not going to give me a refund AND she kept the pen! She states she sent me an email with training in it which is pointless because I was paying for an in person hands on class???? So she kept the money, kept the pen and didnt train me. I have tried all year again and again I keep reopening my dispute on this however when I call in they have people who have a dropdown list of reasons why a person would dispute something and none of them matched my reason. I sent a {$30.00} fax with the documentation they already had in their system yet asked me to fax. I paid {$27.00} to send the vendors item back as instructed. The vendor since that day has written multiple verbally abusive insulting emails to me stating I am XXXXXXXX  etc. and I am at a loss as to what to do now? I received no in person training and I returned the product and proved the vendor signed for it. Please advise. My next move is to report it to all 3 credit bureaus that it is FRAUD. I appreciate your time and response.
Product: Mortgage

On XXXX XXXX XXXX I submitted a compliant against Ocwen home mortgage servicing my loan because at that time I had been held in default since XXXX unable to make any payments while my loan was bought and sold numerous times. 2 years later XXXX XXXX i am still in the same situation but now after having been assigned 4 project managers with Ocwen and filled out and sent in all my HARP required information 8 total times I have had no choice but to file for bankruptcy because my total amount owed now with late fees and penalities over 7 years has my loan repay over XXXX on a loan which was XXXX but never allowed to make payments in 7 long years. I have spent XXXX on lawyers assisting me to stop their foreclosure efforts 3 times over these seven years. Each time I thought I was going to have a deal worked out with them I would be blind sided with papers of Ocwen trying to foreclose on me while I am in the middle of my work out programs with the assigned counselors. In XXXX I received a letter telling me i was denied a refinance program due to my income which was reported XXXX less then the information i provided them. Then the VERY NEXT DAY I received another letter telling me i was assigned a new counselor and to send in all my required paperwork after I had just sent in all my information and having monthly conference calls with the project manager to ensure I sent it all in. Then the letter would tell me that once all the proper paperwork was received no further action on foreclosure would occur over the next 30 days of the review process. The same letter I received 6 times. 2 times i did n't received anything for my submission.. It is so confusing at this point that when I speak to attorneys they look at me as though I am making this up. i need to move on with my life and bankruptucy due to a loan they will try to collect from me for XXXX would destroy what is left of my future. I do n't even have a solution at this point I am speechless and they need to know how lives are destroyed. lastly I have every single email, fax, paper and letter over the years as well and did everything a consumer was asked to do such as I attended all monthly assigned conference calls with counselors. I met counselors at the XXXX who were as stunned as I was with my situation. It has consumed and ruined much of my life these past 7 to 8 long years
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed my social security number and personal satay to leak through an online hack. I am now at risk for fraud due to their poor handling of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian via Phone and in writing in regards to the 5 accounts below were not mine. I have contact the company directly and asked for a copy of the credit card application or anything showing I had a credit card with them and they said they have nothing on file That they are a catalog company and anyone can call and set up the accounts. I advised them that this account dont below to me which is the same thing that was send to Experian. then Experian claim to have investigated and just updated my credit report stating it was completed. And the companies then added new Failure pay on my credit report for XX/XX/XXXX. This is fraud and illegal. I need to file a formal complaint against all ( 5 ) of these accounts and Experian and have them removed from my credit report and my credit report updated to reflect no negative accounts with this company all. 


You have 5 Negative Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX   XXXX {$540.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$640.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX {$580.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX {$330.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX {$280.00} - - Installment Negative XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this now for the fifth and FINAL time. I have an attorney on retainer and ready to sue Experian for furnishing my credit information to someone in Oklahoma. I have signed and notarized avadavits from over 40 people stating that I have never lived in Oklahoma. I understand that Experian is racist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXXXXXX 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, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 US 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint about the TransUnion glitches in  XXXX  and  XXXX , where inquires were removed and them put back on without notifying the consumer. I tried to call  TU about th is today and they have an automated recording and they refuse to help me any further. I had  XXXX  inquiries on m y TU report  that should be removed due to these glitches. It is not legal to take something off a report and then just put it back on without notification.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was alarmed to find inaccurate accounts listed, and I have no idea why. Since I review my report regularly, these discrepancies were unexpected. I even attempted to refresh my browser, thinking it could be a minor issue, but the errors remained. Therefore, I request a detailed review of the documents Ive sent to resolve this matter permanently.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Equifax regarding their refusal to remove fraudulent accounts from my credit report. 
Equifax has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which mandates the blocking of information resulting from identity theft.

According to Section 605B of the FCRA, a consumer reporting agency is required to block the reporting of information identified as resulting from identity theft within four business days after receiving : A copy of an identity theft report ; Identification of the fraudulent information by the consumer ; and A statement by the consumer that the information does not relate to any transaction by the consumer.