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

On XX/XX/XXXX and XX/XX/XXXX I sent a letter as well as documents for a verification and validation ( from the courts ) for errors listed on my credit report only to have them " verified ''. I myself have written the courts and received nothing. I requested from the credit reporting agency and again not received anything. 
I now am writing to formally lodge a complaint against the major credit bureaus ( XXXX, XXXX, and TransUnion ) for their continued listing of a bankruptcy on my credit report without providing any supporting documentation. Despite my repeated requests for verification and documentation, the credit bureaus have failed to comply, causing significant financial distress. 
I have contacted each credit bureau XXXX XXXX requesting verification and documentation of the bankruptcy listed on my credit report. 
Despite my efforts, the credit bureaus have not provided any documentation to support the continued listing of the bankruptcy. 
The inaccurate listing of this bankruptcy has severely impacted my XXXX XXXX and financial well-being, causing me undue hardship. 
The Impact on Financial Well-being The continued listing of this bankruptcy has resulted in : Denial of credit applications Higher interest rates on loans and credit cards Emotional and financial stress I request the CFPB to investigate this matter and take appropriate action to ensure that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) by either providing the necessary documentation or removing the inaccurate bankruptcy information from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has constantly and consistently reported inaccurate information on my consumer report, even after being notified several times. 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, business, and home purposes. 

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. 

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 Experian reporting of my account inaccurate! 

By definition the IRS clearly says a Canceled debt or Charge-off is income. Experian reporting of my account as a debt is INACCURATE. 

I am again attaching a copy of the IRS publication and a copy of my consumer report showing that Experian is intentionally furnishing inaccurate information on my consumer report even after being notified of the inaccuracy and being provided with a copy of the IRS publication which states that a charge-off is considered gross or ordinary income.
Product: Credit card or prepaid card

We have {$4800.00} of charges on our credit card account charged by XXXX XXXX within three days of one another. We have a XXXX  account but the monthly charges are only usually about {$100.00} per month. We have disputed the charges with Bank of America and the claim was denied because they claimed the charges are consistent with our account history which is completely absurd.
Product: Debt collection

I requested an ITEMIZED bill. On XX/XX/year> I received a Bill. I understand that the people running the compliance department are incompetent, but an itemized bill is line items, line by line, that fully describe the services provided/rendered. I want to see if I received a XXXX, bandages, etc. 

I am also requesting a written response by mail to the process in which you verified the debt. Telling me you verified the debt and made up a fake itemized bill is not productive to your defending arguments or mine. 


In the event of needing to, I'm willing to accept that the debt is fully mine IF you can prove it. But Upon Validation ( NON Itemized bill ) and proof of claim ( Never received ), this is NOT my debt. 

I am sure ( If not incompetent ) that you are aware of the provisions of the FDCPS. so let it be known that I am requesting FULL VALIDATION of this debt. I am requesting once again proof that I am indeed the person you are asking to pay this debt and that there is some contractual obligation binding me to pay this debt SUCH AS : Signatures that released my information to you because I did NOT authorize my personal health information to be sent over to you, LINE ITEM BILLS and other things mentioned in other communications with this company. 

Under XXXX XXXX XXXX XXXX XXXX XXXX, you are REQUIRED to submit to me a line by LINE, COMPLETE payment history, and itemized bills. 

For the record, this has been referred to the attorney general 's office of both Ohio and Texas. For the record AGAIN since this has been in disputed status it has not been cleared from my credit report during that time. 

The Incompetent representative ( s ) believe that the company ( XXXX ) is not entitled under Texas, Ohio and United States code, to follow the law. If I don't receive a response that solves this matter, I will file a civil lawsuit over this indignant process and a hefty penalty. 

Thank you for nothing.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX ) was never late! I have had exceptional payment history witHXX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Credit reporting agencies are in collusion with each other, trying to force me to accept a name that I dont use when I apply for credit. I do not use XXXXXXXX XXXX XXXX XXXX on anything that I filed for so they need to remove that name and any accounts up under that name?. CFPB is suing the credit bureaus for not doing a proper investigation of the clients request to investigate their mishaps. I just provided information showing that the credit unions reporting agency are in collusion with each other XXXX, XXXX and experience all using the same tactics trying to force me to use XXXX XXXX XXXX XXXX on credit that I dont apply for in that name that is fraud so I want to be a part of the lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$950.00} Status Collection account. {$950.00} past due as of XX/XX/XXXX. 
XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$210.00} Status Collection account. {$210.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$870.00} Status Collection account. {$870.00} past due as of XX/XX/XXXX. 
XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$170.00} XXXX XXXX account. {$170.00} past due as of XX/XX/XXXX. 
XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$420.00} Status Collection account. {$420.00} past due as of XX/XX/XXXX. 
XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$590.00} Status Collection account. {$590.00} past due as of XX/XX/XXXX. 

FCRA violations : inquires not mine XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX  XXXX, LA XXXX Resident type XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX, TX XXXX XXXX type Rural route
Product: Mortgage

We have a mortgage and escrow  account with XXXX Bank, we currently have a complaint with them too for this same issue. XXXX failed to pay our property taxes in XXXX of XXXX I did not find this out until XXXX of XXXX when I received a notice from my county that my property taxes had not been paid for the year. I called XXXX to see what the deal was and they paid them, not the two payments that were due, but 4 payments on XX/XX/2021, 2 payments on XX/XX/2021 and another on XX/XX/XXXX. I called to ask them why they made two additional payments and they said they would fix it. Instead they made two more payments on XX/XX/2021. We have received 3 refunds, one on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. We have been trying to get our last refund since. They owe XXXX {$920.00}. After talked to many different people and managers at XXXX I was told that they go through a processing center called Core Logic and the reason we hadnt received our refund is because Core Logic has not processed the refund. We have not way to contact Core Logic and were told by XXXX that they will not talk to us because we are not the client. This complaint is about Core Logic and them holding our escrow money XXXX. I believe this is a plow to increase our mortgage payment because after all of XXXX mistakes they overdrew our escrow account and now our mortgage payment is inflated and not what we had originally agreed to. Please help us get our money back from both XXXX and Core Logic.
Product: Payday loan, title loan, personal loan, or advance loan

I went to file my tax return 3 years ago. When I filed I was told someone else filed my taxes. At this time i left my ex because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When I investigated everything it came out to be my ex husband fraudulently using my ID social and birth certificate to file for everything and anything in my name i left everything and it was a huge mistake. I've made police reports and nothing is getting fixed. Now I'm get consumer reports and other places coming after me for everything I have.
Product: Bank account or service

Received XXXX from the following bank for which I have never had any borrowing business : Bank of America , N. A . 
XXXX XXXX XXXX XXXX, TX XXXX # XXXX Payer 's E.I.N. XXXX I have not had any credit card business, borrowing or etc., this is either a mistake, identity theft or fraud or intentional internal reporting to cover an internal fraud. Do n't know which. I have previously frozen my credit because of past identity borrowings. Turned this matter over my attorney, he says report this to your agency as bank refuses cooperation.
Product: Debt collection

According to 15 USC 6801, 6802, 6803, 6804 privacy of nonpublic information. This information MAY NOT be disclosed, since the " account '' numbers of these said accounts, my SOCIAL SECURITY NUMBER these do not fall under the nonpublic information. If my social was not release to these debt buyers, then how do they report on my credit reports? I did not have a signed contract with these debt buyers and they have no right BY LAW to my " account '' number NOR are they suppose to have access to MY NONPUBLIC SOCIAL SECUIRTY number.
Product: Mortgage

We have a short sale essentially completed for this property. Note has not been paid for 7+ years. Judicial foreclosure proceeding is well advanced. Borrower has no assets and is essentially judgment proof and strongly considering bankruptcy and has retained a bk attorney. The first lien has approved {$12000.00} for Real Time Resolutions as the second lien holder under the HAFA program, per program guidelines. We are not getting anywhere with the RTR contact person, and need a deficiency waiver and approval letter for the {$12000.00}. They are refusing to budge off of {$40000.00}. We do n't need all of this to be so difficult. We feel it is a breach of their commercial duty of good faith and fair dealing to demand more money than what the industry has routinely accepted for XXXX liens. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX INQUIRY : XXXX XXXX XXXX XX/XX/year>23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Student loan

My student loan servicer, FedLoan Servicing, took nearly two months from the time they confirmed receipt of my Income Based Repayment plan recertification ( XXXX XXXX ) to process my recertification ( on XXXX XXXX ). As a result, I have been billed for a " level '' payment of nearly twice my usual student loan payment. I confirmed on the phone with them that I made no errors in my application and that it was their inability to process the paperwork in a timely manner that has resulted in this large bill. They recommended I make the payment or receive a one-month foreberance. I do n't think I should have to pay extra, or extend the time until I reach my XXXX payments for loan forgiveness, due to their inability to process paperwork.
Product: Credit reporting or other personal consumer reports

I did not give my consent or signature to no consumer reporting agency i demand all public records be removed from my credit report as it is a direct violation of the Fair Reporting Credit Act
Product: Debt collection

Agency has been sending mail to my address and calling my phone none stop in regards to a debt I know nothing of. Collection agency has been calling me none stop about a {$1800.00} debt. This collections account is now on my credit report and is holding me back from being able to obtain credit. I 've reached out to this agency to get this removed from my credit report but they 've refused to do so. I did not authorize anything in regards to this debt and they have yet to provide proof of who is the owner of this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection account ( XXXX XXXX  ) is a fraudulent account, i dont recognize this account, I want it removed from my Equifax and XXXX reports, i have sued XXXX and won my case because XXXX has leaked all my personal information on the dark web, and my information was compromised, I have fraudulent accounts show up on my credit reports and I have been disputing these accounts constantly, I want this account deleted and blocked from my report, im tired of my name being used to open an accounts in my name, and please no fraud alert on my report thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX and XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been released as a co-signer and have no responsibility on the 2 XXXX loans listed on my Equifax credit report. I submitted proof and Equifax investigated and did nothing. I would like these removed from my account
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act ( FCRA ) U.S. Codes, it is essential that information reported on a consumer 's credit report is accurate and reflects the true history of the account. Sections 1681s-2 and 1681c of the FCRA outline the responsibilities of furnishers of information and prohibit the reporting of outdated or inaccurate information, including the re-aging of debts.

Section 600.5807 of the Michigan Compiled Laws outlines the statute of limitations for various types of debt in Michigan. Here 's a breakdown : 1. **Contractual Debts** : For debts based on a written contract or agreement, such as loans or credit card debt, the statute of limitations is generally 6 years from the date the cause of action accrues. The cause of action accrues typically from the date of the last payment made on the account or the date of default, whichever is later.

2. **Open Accounts/Unwritten Contracts** : This section covers debts without a written contract, such as credit card debts where there's no signed agreement. The statute of limitations for these debts is also 6 years from the date of last payment or default Pursuant to the provisions outlined in the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681 ( b ) ( 2 ), I have diligently provided evidence to rectify these errors.
Product: Bank account or service

I have had issues with my Scottrade Bank account ever since my account was improperly accessed ( hacked ) and Scottrade Bank has refused to investigate the fraud and unauthorized transactions that occurred. 

I 've attempted to go through Scottrade Bank 's internal dispute resolution procedures but, thus far, Scottrade Bank and its compliance department have been enormously rude and failed to acknowledge my dispute or provide instructions on how to remedy the situation. 

For over 6 months, I have been asking Scottrade Bank to provide me with a copy of the arbitration agreement Scottrade Bank says I signed, however, to date, Scottrade Bank has been completely unwilling to discuss the arbitration agreement or how to resolve the situation. 

If I had known that Scottrade 's actions would have been so unhelpful, I would have closed my account a long time ago.
Product: Credit reporting or other personal consumer reports

My only name is XXXX XXXX My only address is XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX Please delete all other addresses and names for privacy and accuracy. 

Please delete all employers. They are no longer valid nor accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is fradrglent and does not belong on my credit report. This information should be removed from my credit file. Any information used in your investigation should be sent to me via mail.
Product: Checking or savings account

In CFPB Complaint ID XXXX, created on XX/XX/23, I described how Wells Fargo took over {$3800.00} out of my checking account without my permission and refuses to tell me why the money was withdrawn from my account. This CFPB case against Wells Fargo is still open and there only response on XX/XX/XXXX is that their response is " in progress ''. Since the {$3800.00} was withdrawn from my checking account against my will on XX/XX/23, I stopped all electronic deposits and manual deposits into the account for fear that Wells would take those funds as well. 

In XXXX, Wells Fargo informed me that they are converting my XXXX Checking account into a different type of account because me no longer having and average daily balance of {$500.00} and having {$500.00} in monthly electronic deposit results in almost {$130.00} in fees. However, the type of checking product, " Everday Checking '', Wells is moving my account to still incurs other types of fees if I don't maintain a minimum balance and volume of transactions.

I believe this is a pressure tactic by Wells to have me close my account before my complaint with the CFPB has been resolved and/or restart making deposits into the account so that they can take those funds as well. I feel that this is a non-transparent and predatory tactic. 

Again, Wells refuses to tell me why the money was taking from my account. Moreover, my only WF product with a balance is my home mortgage and it is in good standing.