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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on 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
Product: Debt collection

XXXX XXXX XXXX  account number : XXXX Opened : XX/XX/XXXX Last active date : XX/XX/XXXX Reported : XX/XX/XXXX Amount {$1700.00} Debt Rec XXXX Account number : XXXX Opened : XX/XX/XXXX Active : XX/XX/XXXX Closed : XX/XX/XXXX Amount : {$620.00} Portfolio Recovery Account number : XXXX Opened : XX/XX/XXXX Active : no date reported Closed : no date reported. 
Time was spent calling XXXX, and XXXX, And typing out dispute letters, looking at credit reports. Time was spent going back-and-forth to the post office. Time was spent finding errors on my credit reports. Time was spent calling XXXX and XXXX multiple times. Time was spin filling out envelopes. Time was spent printing and signing dispute letters. Time was spent filling out USPS certified mail forms. Time was spent in the line at the post office.
Product: Money transfer, virtual currency, or money service

I was scammed by a tutoring company using the website XXXX They asked me to send them money for tutoring service via XXXX. Once I did, they stopped replying. I called chase bank and XXXX to explain the scam, and asked them to stop the payment but they both refused and said they do not refund in case of scam. The fraud company is still up and running and no one can do anything about it. Please help communicate my issue and help me get my money back. I paid XXXX for no reason. Chase never notified me that connecting XXXX to the bank account would out of liability especially that the XXXX enrollment process took place from Chans online banking account itself. please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have summited information numerous times showing and proving they are clearly violating my rights by continuing to report new dates of delinquency on a closed account and have ask that they comply with fcra requirements I demand that they immediately remove the account information for XXXX  and XXXX XXXX immediately from my credit reports
Product: Credit reporting or other personal consumer reports

dispute incorrect payment information. the company violatedthe law under 15 USC 1681b
Product: Debt collection

I am unaware of this debt from Denefits in the amount of {$11000.00} on XX/XX/year>. I was not given the opportunity to dispute this information prior to placing it on my credit report. If you believe I was given proper notification, please provide the certified mail receipt with my signature on it. If you aren't able to provide that please remove this from my credit report.
Product: Credit reporting

XXXX Bank XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXHas Falsely Reported Information onto my Credit Reports and have Failed to Validate and Verify to my Dispute # XXXX .Violating FCRA, FDCPA, TILA, XXXX. 
First who am I dealing with? XXXX Bank XXXX XXXX a division of XXXX XXXX Exhibit A ) or XXXX BANK XXXX. ( Exhibit B )? 
What was Done? 
1 XXXX Loan was Transferred as stated in ( Exhibit A ) taken from XXXX XXXX? 
2 XXXX ForeClosure redeemed XXXX Exhibit C XXXX Transunion Remarks? 
3 ) XXXX Reclaimed collateral to settle defaulted Mortgage ( Exhibit C ) XXXX Remarks? 
In Regards to Question 3 Who was XXXX? 
4 XXXX No Loan or Account XXXX Exhibit C ) XXXXx?
Product: Debt collection

I requested debt validation for this alleged debt and never received any response or reply. I have not consented to contract with this company and have no knowledge of who they are. It seems that the company is being fraudulently ran because its constantly going over Debt as if its something new and
Product: Credit reporting or other personal consumer reports

This is one of my numerous 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
Product: Debt collection

XX/XX/2017
$XXXX Wrong company report debt -never mine
HIPPA Violation
Medical Bill
Product: Credit reporting or other personal consumer reports

I have requested the original contract from the lender with my original signature on it from Equifax, XXXX and XXXX regarding all debts reporting in collections. I received a notification saying that the debt was valid and would remain on my credit report. I never received the original contract from the lender with my sign on it as requested.
Product: Credit reporting or other personal consumer reports

I am writing to inform you of the inaccurate information that Trans Union has been reporting on my credit report Upon reviewing my credit report, I discovered that Trans Union Is reporting erroneous information that has severely damaged my credibility and caused significant financial and emotional distress. This inaccurate reporting is in direct violation of the regulations set forth in the 15 U.S. Code 1681s2, which prohibits the furnishing of inaccurate information to consumer reporting agencies.

Specifically, Trans Union has reported a debt as part of my credit history, which is entirely inaccurate. According to the guidelines of the Internal Revenue Service ( IRS ), canceled debts should be reported as gross income on tax returns, not as debts on consumer reports. Thus, the reporting of this account as a debt is not only incorrect but also contradicts the established regulations.

The IRS clearly defines a charge off as gross or ordinary income, which should not be reported on the consumer report. Therefore, the reporting of this account as a debt is unequivocally inaccurate.

Furthermore, I have not received a Form 1099-C from any data furnisher, despite the fact that it is required if the canceled debt exceeds {$600.00}, as stated in the IRS guidelines . This form is crucial for accurately reporting taxable income, and its absence further corroborates the inaccuracies present in Trans Union 's reporting.

This incident has deeply disturbed me, as it has had a profound impact on my financial well-being. I am taking proactive steps to rectify this situation and ensure that my credit report reflects accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Agency provided me with wrong information which had nothing to do with my specific dispute.
Product: Debt collection

I am requesting proof that I owe this debt, including all account information and documentation bearing my original wet signature.
Product: Credit card

I want to simplify my life. To do so, I wanted the due dates on my credit cards to be the same date. I changed the due date on my XXXX XXXX card to be the third of each month. One would think I could easily change the due date on my XXXX XXXX card as well. That was dead wrong. The online option only offered different days that were not the third of the month. In fact, none of the dates offered coincided with the dates I could have changed on the XXXX XXXX. In other words, it is impossible to have the same due date between cards. 

When you clicked the button " why can't I change my due date, '' the response stated " Your due date has to be a day that occurs every month. So, the XXXX, XXXX, and XXXX are not going to work. '' Last time I checked, every month has a third. 

I then called Capital One and was referred to three different people. The third, XXXX, told me that she spoke with the back office people about changing the due date on my XXXX XXXX. Shockingly, they said there was nothing they can do. Here is your opening as CFPB : Capital One is refusing to allow customers to change the due dates on their card to the same day of each month. They do so intending for customers to mistake their due dates if they have multiple cards, thereby incurring late fees, charges, and interest. Since they would not do anything for me, maybe they will listen to you. Best of luck. Make them pay.
Product: Mortgage

Ocwen Mortgage issued me a XXXX form in 2014. This cancelation transaction was report to the IRS, and it 's been confirmed by the IRS that the debt is in their system. Due to a Medical financial hardship I 'm presently in default of my mortgage. A XXXX, non profit organization that Ocwen referred me to work with was unable to secure me a forbearance or modification due to not enough income. The non-project discover that Ocwen, has inflated my principal pay off balance on my mortgage to {$460000.00} after I had informed them that a XXXX cancelation of debt was submitted in 2014 in the amount of {$300000.00} to the IRS. Over the last few years, My monthly statement as well as my credit report showed my Principal amount at {$130000.00}. The Non profit contacted Ocwen to exsplain my current mortgage status and they were giving confusing information, in so many words they admitted to jumping the gun on canceling out the debt and sending that form to me & the IRS, The non profit stated to that something is n't right here based on the last letter sent Ocwen is frantically trying to add the {$300000.00} debt back to my mortgage and I may need to speak legal advice.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, which has resulted in unauthorized accounts being opened in my name. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent accounts be blocked and deleted from my credit report as they were opened without my consent or knowledge.

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

Equifax was hacked because they failed to upgrade their software even though they were warned repeatedly to do so. As a consumer, I never gave Equifax the right to collect my information, but they were able to procure it anyway and then lost it to hackers that might use my personal information to steal my identity or for other, nefarious, purposes. 
Afterwards, I tried to freeze my credit with all three credit agencies because that is what experts were recommending online. Equifax said you could do so on their website, or you could call. I tried calling several times and spent a few hours on hold or keying through machine-routers trying to freeze my credit to no avail. Then, I caved and went to fill out their online credit freeze form. I did n't want to do that because Equifax had shown their inability to adequately secure consumer data, and I no longer trust their ability to handle web data securely. I work in XXXX, and I know that poorly maintained, old, websites, like the one Equifax operates, are likely easily exploited. However, I eventually filled out the form only for it to fail to load correctly. I had to go back and fill it in again. I still do n't know if my credit was frozen correctly with Equifax. The other credit agencies had online forms that were easier to fill out and worked properly. 

Clearly, Equifax has done damage to me. They lost my personal and financial information. They failed to protect my data. They failed to provide adequate resource. And as has been widely reported, they pointed people towards phishing websites even after they were hacked. They said they were providing free credit reporting to let you know if your data was being used, but there were reports that taking advantage of that offer would prohibit me from taking advantage of class actions against the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed unauthorized inquiries for not recognizing different lenders and I dont remember authorizing them to perform a hard inquiry on my credit report. And There are multiple other inquiries all within one day of each other on my credit report but I only authorized one of them. 

So i reported these unauthorized inquries to different credit bureaus but did not get any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit file and I noticed that there are several items reporting inaccurately. Please assist me in getting the following items corrected : Incorrect Personal Information : Name : XXXX ( XXXX ) There are Identity Theft or Fraud Accounts reporting : XXXX XXXX - Date Open : XX/XX/XXXX Bal : {$0.00}. 
XXXX/XXXX - Date Open : XX/XX/XXXX Bal : {$0.00}. 

Please remove unauthorized inquiries : 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

LVNV Funding LLC XXXX, XXXX and XXXX has submitted a debt on my credit without my consent, according to 15 U.S. Code subsection 1681s-2, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt was not opened in XXXX this debt it outside the statue of limitations according to Texas law, this credit transaction is 100 % false and incorrect and should be removed from my credit file with the credit agencies. This was originally opened with XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and last date of activity was XXXX Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( FACTA ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the Dodd-Frank Act, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX For years I have been asking the credit bureaus for assistance in the removal of inaccurate information from my credit report. I was a victim of misleading tactics by a dealer and ultimately predatory lending tactics by their lender. These tactics caused years of financial hardship all because I was forced into a loan for which I could not afford. Dealer personal not only made false statements to secure an approval but they provided in house down payments on my behalf and even made me believe I would get gainful employment, if I were to buy the car. All of which were lies. That's not why I am here. 

I made multiple dispute attempts and all of which were denied and I was again not given fair opportunity to address my case. I suffered years of financial hardships due to the malicious nature of the selling parties. Now as many years have passed I am once reminded of this event. That's not why I am here. 

This account mentioned about is aged over 7 years and should no longer be reported on my credit bureau. After multiple attempts to gain a solution XXXX and Experian denied any and all of my attempts to exercise my rights under federal law. 
This is why I am here.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found several inaccuracies regarding late payments. These do not align with my typical payment history. Kindly make the necessary corrections and update my account. Thank you!
Product: Checking or savings account

On XX/XX/XXXX a check was deposited to my account of the total amount {$24000.00}, the check was altered from the total of {$420.00}. Chase pay the check! I was away out of the country at that time and didnt realize what was going on but upon my return the first thing I did was to contact Chase. Chase at first was all helpful and nice, grant you when I finally look at my statement was already XXXX to be more exact was XX/XX/XXXX when I called To file a claim for fraud. Never had a problem none of the representatives I talked or much less the banker i spoke to notified me about any special rules or any special time frames for dollar amounts for a claim to be accepted. So chase representative instructed me to go to a local branch fill it up and affidavit get it notarized with the banker and sent all the originals to XXXX Ohio and I had so I did it. Reminded you that at no time no representative no banker has told me anything about any special rules of time frames what dollar amount for this claim to be excepted. I sent all the documents via express mail to XXXX Ohio it was delivered and received, I called to follow up with the claims department and they said that the claim was closed because they didnt receive the document sometime but they would they would do XXXX this time and reopen claim, this was already XX/XX/XXXX, from this point on I called every other day just to check if the claim is still open, representative after representative guaranteed that everything was fine with the claim that it could take up to 90 days for the claim to process fast forward to XX/XX/XXXX week after week me calling in the guarantee that the claim was open and processing this time around was different the representative just said oh Im sorry but your claim is closed, angrily I just hang up the phone call again in another representative told me that the The claim The claim is closed due to excessive amount that Chase can not pursue any claims above {$10000.00}, angrily again I hang up the phone called again different representative this time around was different the representative explained to me that my claim was closed due to timeframe because of all claims should be filed within 35 days from the statement date. Angrily again I hang up I called again and the third representative answered and give me another explanation think that they never received any documentation and time that was the reason why the claim is closed. Because dissing him responsible actions of cheese of dismissing and deceiving me as a customer I did not take any Any further action with such a huge loss of {$24000.00}. Chase defraud me deceive me and cause a huge financial loss for me and I need a resolution I want to resolution before I take any further legal action please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer report and still find fraudulent accounts being furnished to my consumer report. This is causing great harm to my credit standing.
Product: Credit card

I made a large payment in XX/XX/2023 to pay off my account to have a XXXX balance and to be closed. I just got a statement for the same account and it still open with fees with interest. Now they are charging me XXXX and they are telling me they can discount me {$100.00} and I will owe XXXX to bring my account to XXXX  to be closed. They refuse to acknowledge I already did this and they kept my account open.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX Account have 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose..
Product: Debt collection

This debt was not discharged in Bankruptcy. However, has passed the statue of limitations. 

In XXXX or XXXX I took out two credit cards. XXXX XXXX credit card and a XXXX XXXX Credit Card ( I believe the bank was XXXX  but unsure ) In XXXX I stopped paying on these two credit cards and haven't touched the accounts since. 

In XXXX Central Portfolio took over both of these accounts and posted them to my credit report XXXX balance {XXXX} XXXX balance {XXXX} I have not touched either of these accounts in over 6 years. However on the credit report it is showing as a new debt. It is also showing that the original creditor was XXXX XXXX XXXX I. This is not true. The original creditor was XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 collection/charge off accounts with Affirm. I paid both of these accounts in full in the amounts off {$330.00} and {$390.00} XX/XX/2023 I submitted several disputes with XXXX and Affirm keep verifying that the information is correct when they are in fact reporting the wrong information. I called affirm to complain and they sent me a loan repayment letting with an updating balance of {$0.00} for both accounts but they wont update my balance in my credit report. They are in violation of the FCRA and I would like them to update/delete accounts.
Product: Checking or savings account

I did a mobile deposit for a check I wrote myself from one of my banks ( XXXX XXXX ) to my other ( Ally Bank ) on XX/XX/XXXX. The funds were sent by XXXX XXXX the following business day, but I noticed it hadnt gone through at Ally Bank. I called them and they told me XXXX XXXX hadnt sent it, and that it wont be deposited until the XXXX. I called XXXX XXXX to confirm the money was sent with no problems, which it was. I call Ally, irritated that my funds have not gone through even though I didnt fit into any of the exception to the Expedited Funds Availability Act. They inform me that XXXX XXXX gave them information stating the check may not be able to be paid. I call XXXX XXXX, there fraud and security department said that didnt make sense and that the money is out of my account and with Ally so was obviously able to be paid. 

I call Ally again, they say it needs to clear. I inform them that it has, and that they have the money but are refusing to release it. I ask why they are refusing and they said it is still processing. I told them it has been approved. After that, they stated we simply can not release funds until the XXXX without giving me a reason. 

Right now I am out {$3000.00} dollars. I dont have very much to my name so I am in a very bad situation without money. But they will not release the funds or give me a reason why they have it. My account is not younger than 30 days, I have no history of overdraft, the check was not an amount over {$5500.00}, I have made a check deposit from XXXX XXXX to Ally before, its has cleared so clearly I have the funds. I explained this all to them and they are dead set on doing nothing. I believe regulations are out in place to make sure this does not happen.