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

I am filing a complaint regarding the inaccurate reporting of a charge-off on my consumer report by XXXX XXXX ( Account XXXX XXXX XXXX XXXX. The IRS considers a charge-off as ordinary income that is taxable. The IRS treats any canceled, forgiven debt, or charge-off debt as income. 

However, the aforementioned company has reported this charge-off on my consumer report as a debt. This creates a contradiction : if the debt has been considered income for tax purposes, it should not simultaneously be reported as an outstanding debt on my consumer report. 

Furthermore, as stated in a blog post by Experian ( available at https : //www.experian.com/blogs/ask-experian/does-a-credit-report-show-income/ ), " Income is not part of your credit report. While lenders may consider income during the lending decision process, they typically obtain this information directly from the applicant and not from the credit report. Therefore, income is not a factor in credit scoring systems that rely solely on credit history. '' Also, according to the IRS guidelines, if a debt is forgiven or discharged for less than the full amount owed, the forgiven amount is considered canceled and no longer requires repayment. If there is no repayment required according to IRS guidelines, why is the account still showing on my consumer report as debt? 

These discrepancies constitute serious inaccuracies in my consumer report. Under XXXX XXXX XXXX XXXX ( b ) - Compliance procedures, consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information included in consumer reports. 

I request that this inaccurate information be removed immediately from my consumer report.
Product: Mortgage

My wife and I have three mortgages with Wells Fargo. In XX/XX/XXXX, they never sent us 2 of our three mortgage statements and increased our minimum payment because of an escrow shortage. Because we never got the statements, our monthly payment was short. I logged into my online account on XX/XX/XXXX to investigate why we never got a statement and first discovered that we were late on our payments. Second that a statement was NOT in our statement folder which means one was never created. I immediately called Wells Fargo and they had no excuse why an XX/XX/XXXX statement was created for one of my mortgages but NO XX/XX/XXXX statement has been created for the other two. They stated it had nothing to do with my increase in payment nor my escrow shortage. They pushed me up the chain to the " highest '' customer service dept. That was XX/XX/XXXX. It is now XX/XX/XXXX and I have no resolution. They first told me that it was because I pay my mortgage early. Well, I pay all three early and I got one statement. Then they told me that " someone '' had signed up for online statements but that was XXXX  as a statement still should have been created. They continue to give excuses and everyone they have later said was inaccurate. I can only come to the conclusion that this was an intentional act of deception on their part.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These acts have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Bank account or service

On XXXX/XXXX/2016, I went to the Citibank branch located in XXXX, XXXX ( XXXX XXXX XXXX ) at approximately XXXX. I attempted to deposit a third-party check into my Citigold account endorsed to me by the payee ( my fianc, who also has an account with Citibank ). At least monthly for the last year, I have made this deposit without incident. I was initially told by the teller that Citibank does not accept third-party checks. I requested to speak to the Citigold representative, XXXX XXXX. I asked XXXX XXXX if he could look up the third-party policy and let me know what it says and I asked if there had been a recent change. He stated he did not know and was unwilling to look it up after several request. I asked to speak to the manager, XXXX. XXXX. XXXX XXXX gave very terse responses when I asked if he would call the payee and verify with him directly or look up the policy and explain to me what it says. At this point, it was XXXX. XXXX XXXX stated there was no third-party check policy at all and that he makes the final decision and was not willing to accept my deposit. However, he gave no additional reason ( s ). I left the bank feeling like I had been treated like a third class citizen. Feeling like what I was told was untrue, I logged into my Citigold account and searched for the client manual. There, on page XXXX, under " Check Cashing, '' it states " Third Party Checks. In certain instances, we may allow you to cash a third-party check ... .at a Citibank Branch up to the available balance in your account using your Citibank banking card as identification. '' This was beyond upsetting as I blatantly lied to and refused rights listed in the Citibank Client manual. Neither the Citigold representative nor the manager bothered to look up my account balance ( $ XXXX ) or ID me through my bankcard. I was deceived and treated unfairly.
Product: Checking or savings account

On XX/XX/2020, two bank accounts at Bank of America were opened using my identity AGAIN. This occurred in XXXX and I was assured of investigation. There was never really a conclusion as to how my personal information was allowed to be used to open a checking and a savings account. When this happened in XXXX, I immediately contacted the 3 credit bureaus and 20 other agencies. I thought this was an isolated incident. I was shocked yesterday to I receive 2 separate letters ( which had gone to my old address in Wisconsin ) in the mail from Bank of America telling me that they had closed two new accounts ( on XX/XX/2020 ). I phoned Bank of America and spoke with their fraud department who assigned fraud claim numbers. I am concerned that this will never stop happening. Twice today I have tried to phone them and each time I'm on hold and never get through to anyone. When I did reach someone very accidentally, I was asked to provide my phone number which evidently did not agree with whatever was on these ( now closed ) accounts.
Product: Debt collection

I disputed this 2 years ago because this debt is over 7 years old and XXXX has removed it from my credit report. I stopped answering their calls because they threatened to ruin my life and they keep changing the dates to make it current. The new date they have is 2019 and I havent had sprint in forever I have had XXXX and XXXX isnt a company any longer. When I dispute this with experian and XXXX XXXX they wont remove this with IC Systems. Why do they believe these sleez balls! The credit bureaus are horrible and when they make a mistake they wont correct it! The amount is wrong at XXXX I dont know how they came up with this number I had them for
Product: Credit reporting or other personal consumer reports

First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer, and I am in need of your assistance. I am writing in regard to the above-referenced account and transactions. Somehow, someone illegally obtained my credit car information, thus delay in payment was caused by fraud. I always try my best to pay your company in time, but this time my payment was late by I am sincerely sorry for the delay in payment, and I apologize for any inconvenience or frustration this caused you. While I take full responsibility for my mistake, I would like to assure you that this was a last-time error on my part, and I ensure that this does not happen again. I would really appreciate if you would Kindly understand my situation and excuse me for late payments ) .Im asking these companies listed below for a goodwill request, please eliminate late payments ) with the credit bureau ( s ) by filling out XXXX XXXX XXXX and faxing it to the credit bureaus ) that you report to. XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/21 I was given a return of XXXX from cashapp in which I was scammed for by another person whom I gave no permission to use my account The said account that the money was returned to is closed and I cant withdraw my final funds or cash it out to another card
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two items on my credit the has been on my report that i have desputed several times that does not have my social attached i have verified and i am in college never had a appartment in my name i leave a home with my parents and the problem has not been fixed over and over i demand removal it is not mine account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 disputed debt with experian never validated debt with proof of documents with signature and original application of account with XXXX XXXX XXXX for a secure card
Product: Student loan

I have reached out to Navient to have the dispute and the dispute language removed from my credit report. I was advised that this could be done online by uploading the documents to the credit retraction department. I attempted to do so but could not find the credit retraction department in the drop down menu. I reached out to customer service again and learned that this a process that can ONLY be done mail and that department does not have a phone or fax number. I am in the process of securing a home loan and the underwriter will not approve my loan due the dispute appearing on my credit report. I am requesting for Navient to remove the dispute and the dispute language from my credit report. The dispute appears 3 times for each account. I have mailed a copy of my credit report as well as a signed and dated letter indicating I want the disute removed.
Product: Debt collection

MED DATA SYS reported that I owe them {$1300.00}, but I don't recall have any business transactions or dealings with this company. I am asking that you have the creditor provide evidence that the account belongs to me and should be reported in my credit report, In addition, to show that my rights have not been abrogated. I'm asking the creditor to verify that they have a signed contract or paperwork from me or related to me in any fashion. Unless this paper is produced or the account is unverifiable, I required that this account is updated and deleted to reflect the proper reporting standard.
Product: Mortgage

In XXXX XXXX I applied with Ditech to refinance my mortgage. On XXXX XXXX, XXXX I received a Statement of Credit Denial in the mail. The given reasons for denial are as follows : 1. Unable to verify employment. ( I am self-employed, and was never asked to verify my employment ) 2.Unable to verify customers identity. ( I have had my mortgage with Ditech/XXXX for 15years and they do n't know who I am? I was never asked for drivers license, passport etc. I have had many mortgages and have never been asked to verify my identity. 
3. Insufficient Data property type. ( they have had this mortgage for 15 years. 
What kind of data do they not have on a mortgage that is 15 years old??? 
4. Requested Credit is listed as " XXXX '' with no commas, no dollar sign. ( The original amount of the mortgage was {$160000.00}. My current mortgage balance is {$120000.00}. I only requested a no-cash-out refinance to reduce my monthly payment. 
I have not had any late payments on any of my accounts in the past 3 years. 
I feel that my application was denied with prejudice.
Product: Credit reporting or other personal consumer reports

I sent proof.  Bills  drivers liscence. Current bills. Utility bills
Product: Credit card or prepaid card

Calling work place multiple times throughout the day.
Harassment of people other than myself.
Calling from various numbers in the U.S.A Failing to tell me what company they 're calling with.
Product: Debt collection

I requested that this company validate the debt by asking for certain documents including the following ... agreement with the original creditor that authorizes you to collect on this alleged debt the original contract bearing my signature stating that I have agreed to assume the debt, the debt agreement stating the amount of the debt and interest charges, the complete payment history on this account along with an accounting record of all additional charges being assessed, proof that the company is licensed to collect in my state, which is Alabama and the license number and Registered Agent for my state, which is Alabama. I did not receive documents that validates this debt. In addition the company is reporting this account differently with all three credit bureaus, which I disputed and the company verified. Different information with three different companies can not all be accurate so it is very clear that the company verified inaccurate information.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX - XXXX {$1000.00} XXXX XXXX - XXXX {$170.00} XXXX XXXX  - XXXX {$260.00} XXXX XXXX XXXX - XXXX {$260.00} XXXX - XXXX {$400.00} XXXX XXXX XXXX {$400.00} XXXX  - XXXX {$2000.00} XXXX - XXXX XXXX - XXXX {$660.00}
Product: Mortgage

I was denied today ( XX/XX/2023 ). The mortgage lender company is All Western Mortgage. 
I don't want to put any names on here but XXXX is the contact number for the person I was talking to. I am a XXXX veteran at 100 percent. The problem is that this company asked for hospital records before making a decision. I was also told that I need 24 months of rental history. I was informed that my current residence is only 18 months ( XXXX XXXX ). This company omitted information for a previous residence ( XXXX XXXX ) before making this decision. Every bit of information this company asked for was provided. How can they leave out 6 months of requested information out and ask for hospital records and then give a denial.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS USE WITHOUT MY CONSENT I AM XXXX XXXX SOMEONE USE MY INFORMATION TO OPEN UP SEVERAL FRAUDULENT ACCOUNTS USING MY INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

I started an account and had every intention of using the account. My other accounts have XXXX figures in them. About XXXX months ago I started receiving {$25.00} fees on the account. When I called in 60 days ago the representative told me that she fixed this for me, I would not receive any more fees and credited me back the {$50.00}. Now I have received those fees again and they are refusing to credit me back those fees. Call XXXX XXXX, XXXX told me that he assumed I was given proper counseling to avoid this situation and that is incorrect. I have been with Bank of America since the XXXX 's and I can not believe I am being treated this way, especially by a member of management. Being in customer service myself I know that they are better than this as I have never had poor service like this in the past. I am requesting that the {$50.00} be credited back to me.
Product: Credit reporting

After checking my Equifax credit report using a third party source I noticed that there were several hard inquiries ( XXXX ) on my credit report that I do not recognize nor did I authorize. These hard inquiries are not tied to any open accounts, they were not court ordered and they were not used in extention to any firm offers of credit. I have tried repeatedly to have these items removed with no such luck. These inquiries are damaging my credit image and credit worthiness making it hard to obtain positive lines of credit. These inquiries include : XXXX XXXX & XXXX XXXX XXXX & XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have tried to resolve this with PayPal but they have a website that is impossible to reach. I cant call to leave a message because their message is you will not be able to speech with a representative due to the COVID-19 problem ( that has become an excuse for companies ) I tried to email & text them but again their website will not let you leave a message. Their website says go to the Resolution Center but you cant??? 

This has been going on for months & I still havent received 2 order that I have placed & Paypal has released my money from my bank account they should be held responsible for releasing funds to companies that are scams. 

I have emailed this company below with the email that PayPal has provided in my transactions account. They responded that they do not have an order for me because it was never placed??? 

1. XXXX XXXX XXXX, XXXX  ( Email address : XXXX ) the amount PayPal paid from my account was {$32.00} ( InvoiceID : XXXX ) ( Transaction ID : XXXX ) placed on XX/XX/20 at XXXX XXXX  My second complaint is with a company called : XXXX  XXXX ( Email address : XXXX ) that I placed on XX/XX/20 at XXXX XXXX  ( 0ver 2 months ago ) in the amount of {$24.00} ( Invoice ID : XXXX ) ( Transaction ID : XXXX ) this was also taken out of my Paypal account . 
I have emailed this company 4 times & still no response
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm making this complaint to alert you that I was a victim of identity theft. I researched how to remove the fraudulent accounts from my report and discovered that I needed to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and that Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report per FCRA section 605b. Please see the ATTACHED materials for assistance in preventing the incorrect information that is being uploaded to my report. The following is a list of objects that do not belong to me and were opened without my consent. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1200.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance : {$1800.00} XXXX & XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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