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

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXXXXXX XXXX XXXX XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX these companies fail to have the hard inquiry removed, these was taken place before XX/XX/XXXX and now its XX/XX/XXXX and these companies still putting a hard inquiry on my credit reports the items has not been removed
Product: Credit reporting, credit repair services, or other personal consumer reports

To who it may concern : XX/XX/XXXX My name is XXXX XXXX. I had an account with Wells Fargo Dealer Services for a couple of years and I paid it off on XX/XX/XXXX, in full. 
This account continues to damage my credit however. It is reporting as negative and that it was opened or closed on XX/XX/XXXXof XX/XX/XXXX which is incorrect. 
I lost my job during which time I was late on a couple of payments. I always called and stayed in communication with the company and eventually paid it off. I was told at the time that it would not affect my credit and I believed them. 
I initially purchased my car in XX/XX/XXXX, yet this is reporting negatively to this day. It has been 9 years! 
Please help me. I need the account to show in good standing. There is an error in the reporting. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Ca XXXX XXXX XXXX
Product: Debt collection

In XXXX of 2022 I started receiving harassing phone calls daily from a collection agency on behalf of Att mobility. However I do not owe them anything. I actually have proof of them owing me and having to refund my husband 's account. I disputed this through XXXX and weeks later I received notice that the account was removed/deleted from my credit report. This was in XXXX of 2022. In XXXX of 2022 I received notice that this so called debt had been added to my report through another collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company ran my credit without my permission I received a phone call and this company was asking if I wanted a second mortgage and I asked how did they know my personal information this man lied and ran my credit without my permission I called the company and complained and nothing was done
Product: Credit reporting, credit repair services, or other personal consumer reports

OneMain Financial sent me a preapproved letter for a loan. When I went to the website for the loan, it says that I wasnt approved at all for the amount listed in the letter. The letter stated that I was preapproved for a loan for {$5000.00} unsecured. When I went to their website and inputted their preapproval code for the {$5000.00}, it asks me to click on the box for credit report. I did not know that this would end up lowering my credit score. After clicking the box and pressing enter, it says that Im only preapproved up to {$2000.00} secured. This is a deliberate bait and switch tactic so that I would end up having a hard inquiry on my credit report with a misleading letter. I wrote to the OneMain Financial with a response dated XX/XX/18. They will not delete the hard inquiry since I clicked the box on the website. I felt I was misled into thinking that I would have an unsecured loan for {$5000.00} but ended up being approved for {$2000.00} secured. I called the manager here in our local office about the loan itself. She asked me about my car and how much it was worth and I decided that I didn't want it. She still told me that the inquiry will be stuck on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them in my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are Unauthorized Inquiries on my credit report. I want them to removed from my credit report immediately.
Product: Vehicle loan or lease

The company has initiated a repossession of my property with no notice. The peace was broken with XXXX officers surrounding me at my house. They trespassed on private property. Speaking of property, I was unable to get out expensive tools in the amount of roughly XXXX $ due to the hostility of the tow truck driver and police.
Product: Debt collection

This account should have never been reported to my credit report. There was an error with XXXX and the issue was resolved directly through XXXX. This collection agency was notified early XX/XX/XXXX by XXXX to delete the account and has yet to do. In fact, theyve recently verified the account as valid with XXXX after XX/XX/XXXX which was after Ive received the letter from RPM promising to remove the account. I called XX/XX/XXXX and spoke with XXXX who informed by that it will be additional 30-60 days since i exercised my right to dispute the account. I plan on pursueing legal action if this account is not removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 XXXX XXXX XXXX  RE. This account is already disputed.
Product: Credit reporting

My complain is with Transunion on why they allowed this company to do a hard inquiry on my credit report. I have tried to contact the with the company information that was on my credit but got a recording telling me to leave a message with XXXX XXXX but know response. I also follow up with certified letter on XX/XX/2015 requesting this company to contact Transunion to remove the hard inquired. I have not requested a loan, mortgage, or anything other credit transactions with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The midland credit management company is contacting me about an alleged debt. Remove this from my credit file now. 15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns with the way Zelle handles disputes.particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting multiple discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was not possible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover card pull my credit file without my knowledge nor my approval. I spoke to them once I received an alert through my XXXX account that an inquiry was on my file. They ensured me that the alert will be removed and that they will contact the proper credit agency to assist in the removal. As of now the inquiry is still showing on my file. I have a fraud alert on my credit to connect me if anyone initiate an inquiry for credit. No one called before pulling my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : AMERIHOM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, 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 you responsible for your tenacious rebelliousness. 
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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Reporting late payment on XXXX. In accordance with the Fair Credit Reporting XXXX XXXX hqsinlated gab fighter oder o USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/XXXX SS # XXXX XXXX XXXX has agreed to remove both unauthorized inquires from my Transunion report. I did not apply and have no credit with these people. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX my id is attached please verify my signature
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016 I was involved in an auto accident caused by a third party. The third party had insurance that covered the cost of the replacement of my car as well as my medical bills. This bill is from that accident and I was not found responsible for this debt.
Product: Credit reporting or other personal consumer reports

This forceful grievance underscores the alarming inclusion of inaccurate and incomplete credit information in my profile. It is glaringly evident that your operations have drastically fallen short of the fundamental standards mandated by credit reporting laws, particularly 15 USC 1681. This federal statute explicitly dictates that credit bureaus must report nothing less than 100 % accurate credit information, leaving no leeway for the haphazard and erroneous data currently tarnishing my report. The seriousness of this transgression necessitates an immediate and thorough re-examination of the following details, ensuring strict adherence to the unyielding statutory provisions outlined in 15 USC 1681 1 : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 2 : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS BREACHED/STOLEN 2020 AND REPORTED TO LAW ENFORCEMENT. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and XXXX are not properly investigating my claims. I have been saying for years XXXX XXXX and Portfolio Recovery were using illegal tactics to recover on a debt. 

XXXX XXXX, held the debt longer than necessary. They held a debt for 3 years. 3 years when they could have sent it after 120 days. 

Instead of 3 months, they waited 3 years to maximize the amount of damage they could do. Portfolio is a willing participant because they acquire POCKETS/PACKAGES of debt in bulk without doing research on each individual account. 

It is absolutely unfair and ridiculous that they were willing to go hand in hand with borderline fraudulent or at least malicious activity. Stop it. Youre better than that.
Product: Debt collection

This is an ID theft issue. An individual used my information to charge a large amount for XXXX. ERC at XXXX came after me, at which time I explained that they had the wrong person. I filed a police report and took other steps to correct the problem. However, my main issue with this company is that they put a negative flag on my credit report before even talking to me about the issue. Even after I spoke to the office manager named XXXX and verified this was ID theft, he refused to delete the negative report until some time in the future, This is wrong and needs to be corrected right away. I should be inocent until proven guilty..
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report, and I noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am writing this complaint for account ending in XXXX. This account was closed by DISCOVER, with no prior communication as to why or when this will happen. This account has been charged off- why you asking me for payments and illegally reporting inaccuracy to my credit report? You have been harassing me everyday with phone calls like clockwork. You are a debt collector calling me and harassing me violating federal law under FDCPA. You are providing false statement/representation by trying to collect amound that's already paid off ( charged off ). You are threatening to contact credit bureaus and damage my credit score - Regarding missing payments when this card is charged off. Your attempts to collect debt that is charged off, and now you are trying to double dip and commit fraud. 

They have left numerous messages on my phone and calling me from several numbers and constantly emailing me. 

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

Equifax mishandled my information, which puts me and several hundred thousand other people at  risk. I am listed as a potential victim according to their website, and would like a resolution. They should pay for credit monitoring etc.
Product: Debt collection

McMullough Payne Haan XXXX XXXX XXXX XXXX XXXX XXXX, XXXX are threatening to file lawsuit against me for an old debt that is over 12 years. I received a letter from McMullough dated XX/XX/XXXX, I disputed the debt. Today I received another letter stating that a judgement was entered against me and they attached a judgement for dated XX/XX/XXXX In my letter to them I explained that I do not owe this debt and that the statute of limitations has expired according to the Fair Debt Collection Practices Act ( FDCPA ) and the State of Georgia. However they are yet to respond to my letter and they still continue to send letters and continue collection efforts to collect an old debt that I do not owe.
Product: Credit card

THIS DEBT USAA HAS FILED A 1099-C FORM CANCELLATION OF DEBT, I WANT PROOF OF THE 1099-C FORM FILED FOR THIS ACCOUNT, UNDER 15 USC 1681A 2AI AND 15USC 1681E B, THIS SHOULD NOT BE REPORTED ON MY CREDIT REPORT.
Product: Student loan

Loans with Navient was placed on deferment till I turn XXXX years old and interest is still occurring. Previously they invalidly combined my parent power loans with my other loans, limiting my abilities to qualify for any payment options. The parent power with XXXX was supposed to be forgiven due to fraud and school being shut down. When addressed as to why I was not able to have other repayment options, their way of addressing the situation was placing my loans into deferment. I was not informed by Navient via letter or email, but received notification via from Department of Education. I attended XXXX XXXX of XXXX, TN, XXXX University XXXX XXXX, NJ, XXXX XXXX University XXXX XXXX, AZ. Each school if not shut down due to fraud, mislead the education as I have not benefited nor have I been the opportunity to work within any of their fields, then to top it off Navient mislead and fraudulently messed up my student loans account, as which I am seeking ramification to have them all forgiven. There acts have added to my XXXX, XXXX  and XXXX XXXX.
Product: Credit card or prepaid card

I have been a loyal customer of Capital Bank Card for many years and have never missed a payment. The recent national calamity, COVID-19 pandemic has hit XXXX, NY, where my family and I live, probably the hardest of all in the United States. Because of this pandemic, my household income has changed so on XX/XX/2020, I called Capital One and humbly asked them to lower my current APR of 23.9 % (!!! ) to a lower rate. The answer was an unconcerned no. Capital Card 's usurious desire to profiteer in the times of a national tragedy is wrong. Please help.
Product: Checking or savings account

There are still overdraft fees being charged to my business account daily. This has been going on for several years now. Usually the fees have been refunded per my request since money goes into this account daily. Now the bank is refusing to refund the fees and has told me they made changes to my business account without my knowledge or consent. Here is an example of the fees from the last XXXX  days : RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXXXXXX XXXX BILL PAYMENT {$140.00} PAID {$0.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX {$9.00} PAID {$35.00} Total Fee ( s ) : {$35.00} Transaction Description Amount Action Fee PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX {$90.00} PAID {$0.00} PURCHASE AUTHORIZED ON XXXX XXXX {$10.00} PAID {$35.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX {$1.00} PAID {$0.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX {$93.00} PAID {$35.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX {$32.00} PAID {$35.00} Total Fee ( s ) : {$100.00} This is a business account with my debit card attached to it. I am currently on XXXX XXXX  with reduced income due to a recent XXXX. I also have huge medical bills to pay now. 
None of this has been taken into consideration when the bank is charging these fees. There is also the issue of deposits and transfers not being posted in a timely manner. The bank is processing transactions and adding fees before posting the deposits.
Product: Student loan

I hope this letter finds you well. I am writing to address several concerns related to my private student loan, which is currently being serviced by Firstmark Services. Specifically, I would like to request documentation regarding the charged-off status of the debt and also request the issuance of a 1099-C form for tax reporting purposes. 

According to the information provided in your previous correspondence, my loan was last reported as " charged off. '' As such, I am requesting documentation that clearly outlines the details and basis for this charge-off, including the date on which the charge-off occurred, the specific reasons cited for the charge-off, and any supporting information or documentation that justifies this action. 

Additionally, as a result of the debt being charged off, it is necessary for me to receive a 1099-C form. This form is required by the Internal Revenue Service ( IRS ) for reporting canceled or forgiven debts that may be considered taxable income. I kindly request that Firstmark Services issue a 1099-C form pertaining to the charged-off debt, providing the necessary details for accurate tax reporting. 

To ensure compliance with the relevant statutes, I would like to cite the following : Fair Credit Reporting Act ( FCRA ) : The FCRA sets forth guidelines for the accuracy and integrity of information reported to consumer reporting agencies. It is imperative that all information reported accurately reflects the status and details of the debt. Any inaccurate or misleading reporting may be in violation of the FCRA. 
Internal Revenue Code ( IRC ) : The IRC requires the reporting of canceled or forgiven debts on Form 1099-C. If the debt has been charged off, it is necessary to receive a 1099-C form to fulfill tax reporting obligations. 
I kindly request that you provide the following documentation and take the necessary actions : Documentation regarding the charged-off status of the debt, including the date of charge-off, reasons cited, and supporting information. 
Issuance of a 1099-C form for the charged-off debt, with accurate and complete details for tax reporting purposes. 
I appreciate your prompt attention to these requests. Please provide the requested documentation and the 1099-C form within 30 days of receiving this letter. If you require any further information or have any questions, please do not hesitate to contact me