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

There are several charge offs that are still on my account that needs to be removed permanently. 

Duty : A moral obligation Accurate : Correct in all details Prohibition : A law and regulation forbidding something As defined by the IRS Even if you didn't receive a tax 1099 c you must report cancelled debt and gross income The IRs clearly states a charge off as income, so the reporting of this account is inaccurate. Income does not get reported on a consumer report, which makes this report inaccurate. 

15 USC 1681 S-2 You are a furnisher of information to the reporting of this credit Bureau agencies . A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Therefore you are prohibited by law to furnish this information. I demand you cease and desist of this reporting. You are hereby put on notice that you have been reporting inaccurate information. 

15 US. Code section 1681 - 2, The responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after a notice and confirmation of errors, a person shall not furnish information relating to a consumer to any other consumer or any other consumer reporting agency. IF - I ) The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and II ) The lender must file a 1099c and provide you a copy of the debt if the debt is more than {$600.00} and the lender is a federal institution, credit union, government agency.

Please send me a copy of the 1099c that they should of sent when they filed as cancelled debt. 

In conclusion, you are hereby notified and i have clearly shown the inaccuracies. This inaccurate reporting has caused harm to my family and a tremendous financial loss as I am unable to move on wit my life a life and livelihood while this reporting is blocking my growth. 

You have 10 calendrer days to remove these inaccuracies from my credit reports.

Again this is in regards to all charge offs You have listed as a charge off and as a charge off it should be a 1099 fee. If there was never sent a 1099 fee so then XXXX XXXX is trying to double dip because they are still trying to collect from me at the same time when they already received their money from the government as a charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

have been disputing a Chapter XXXX Bankruptcy with LexisNexis since XX/XX/18 and have sent multiple letters asking for verification. LexisNexis ' last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ), that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. As I said, I provided them with a letter from the US Bankruptcy Court in XXXX, NY which clearly stated that they do not provide any information to the credit bureaus. Furthermore, PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, LexisNexis ' claim that their subscription to XXXX  was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. I have received a letter from the US bankruptcy court saying that they do not report to the credit bureau.
Product: Debt collection

XXXX XXXX XXXX  AND THE ORGINIAL CREDITOR WERE BOTH LISTED ON MY CREDIT REPORTS FOR THE SAME ACCOUNT. 

XXXX XXXX  XXXX XXXX XXXX CHANGED THEIR STATUS TO " IN XXXX OFF '' AND CHANGED THE DATE OF ACCOUNT CLOSURE TO XX/XX/2015 THE ACCOUNT DATE AND AMOUNT IS NOT CORRECT ON CREDIT REPORTS ; XXXX, XXXX  AND XXXX.
Product: Money transfer, virtual currency, or money service

I use the money transfer app Venmo to send money to friends and family. I had scheduled a payment of {$400.00} to be drawn from my checking account and sent via Venmo on XX/XX/XXXX. However, on XX/XX/XXXX, I received a notification on my cell from Venmo, saying that the payment failed due to insufficient funds in my checking account. I confirmed with the recipient that she had not received any payment. Subsequently, Venmo placed a hold on my account, demanding {$400.00} which they claim to have floated in order to complete my scheduled payment. I attempted to contact Venmo through their in-app help chat feature, but their representative simply insisted that the payment had, in fact, gone through. They suggested I ask the recipient to complain about not receiving the payment, but that is not a practical or appropriate solution to the problem that is happening with my own account. The recipient has not received the {$400.00} I attempted to send her, and Venmo has seized {$300.00} worth of payments sent to my own account to satisfy this " debt '' that does not actually exist. They have refused to actually address their mistake, and instead are basically extorting money from me by threatening to send the debt to collections if I do not pay quickly. Consumers should not be put in a position where they have to choose between paying an invalid debt and having their credit score ruined. Please take appropriate action against Venmo , LLC to prevent them from engaging in abusive and fraudulent practices such as this.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws by [ name the creditors/collection agencies involved, e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the credit reporting agencies ( XXXX, XXXX, and Experian ) '' ]. 

Upon reviewing my credit report dated [ Insert Date of Report ], I identified serious issues with the reporting of a collection account associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Below, I will outline the inaccuracies and legal violations that have impacted my creditworthiness and caused significant harm : 1. Violations of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting Inaccurate or Misleading Information Issue : The same debt is reported by both the original creditor ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This results in duplicate reporting of a single debt, misleading creditors and lenders. 
Impact : This duplication artificially lowers my credit score and misrepresents my financial obligations. 
2. Violations of 15 U.S.C. 1681e ( b ) Inaccurate and Inconsistent Reporting Issue : There are discrepancies between the information reported by XXXX, XXXX, and Experian : XXXX lists the collection agency as XXXX, which is unclear and inconsistent with other XXXX  and Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX omits this information. 
The account statuses are inconsistent. XXXX lists the status as " Unpaid, '' while XXXX and Experian list it as " Collection Account. '' 3. Violations of 15 U.S.C. 1681s-2 ( a ) ( 2 ) Failure to Update or Correct Information Issue : The debt was assigned to XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX  continues to report the debt. This failure to update or correct the account after the transfer creates inaccurate and misleading information. 
Impact on Me as a Consumer These violations of the Fair Credit Reporting Act have : Harmed my credit score due to duplicate reporting. 
Caused confusion about the status and ownership of the debt. 
Made it difficult for me to apply for credit, leading to higher interest rates and financial harm.
Product: Credit reporting or other personal consumer reports

Initially, I had opened accounts using my tax id number ( itin ). Later on, I was issues a Social security number ( ssn ) which I have been using to apply for credit cards. This social security number was issued in XX/XX/2020. I see all the accounts automatically rollover with other credit bureaus. However, XXXX only has XXXX revolving accounts on my current credit file. It was changed sometime during last year. When I contacted XXXX, instead of merging the accounts, I was asked to contact the individual credit card issuers. They mention that the credit card companies is reporting using the itin instead of ssn which is FALSE. I have applied for multiple cards using my SSN last year which used to show on XXXX credit report but does not show anymore. These accounts are missing from the XXXX credit report : Missing Accounts Bank Name - Citibank Account Number - XXXX Account Opened- XX/XX/2020
Product: Credit card or prepaid card

I was approached by telephone by a phone call last XXXX to help me get a credit card at 0 percent interest until XXXX XXXX of 2018 for {$25000.00}. I could even name the company card I wanted from some choices. They said they would intervene for me to get the card for a percentage up front which would be charged on the card and that I could never get the card on my own. They said they were a card member services group that helped consumers get better credit card deals ; They charged a fee over {$1000.00} to help getting the legitimate card from Chase. Terms = {$25000.00} limit at 0 % interest until XX/XX/XXXX then. 16.3 %. 

I agreed like an XXXX and did get the card which is a valid card and with the stated agreement with Chase Card Services listed above, even though getting the card did not seem like it was shady. 

Everything was normal about using the card until on XX/XX/XXXX. I received a call from someone claiming to be from Chase ( that's what came up on the caller ID ). 
He knew the balance charged on my Chase XXXX card as Well as a XXXX XXXXXXXX Card I have as well -- and as well the latest payment made on the Chase card. 

He never asked for account numbers or any banking numbers. 

Can this information be obtained though the Credit Bureaus? 

He claimed that under this program that Chase would write off the whole amount if I paid a percentage of the outstanding amount on the card- which he said would be {$2900.00}. This is not what I remembered the arrangement to be, but I thought maybe I misunderstood the actual arrangement. He had answers to all my questions, of course. He told me to get a cash advance on my XXXX XXXXXXXX Card for this amount and to make a deposit to a XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX to XXXX XXXX XXXX. I did so that afternoon. 

He said his name was XXXX XXXX at XXXX, He said he was calling from Florida - XXXX, I think, but am not sure. 

I feel so stupid for going along with this whole scam from the beginning. 

I have no written documentation other that I can prove I withdrew {$2900.00} cash on XX/XX/XXXX as a cash advance on my XXXX XXXXXXXX Card. I can not seem to find my documentation from XXXX XXXX XXXXXXXX for the transfer of funds but am still looking. 

Do I have any recourse? 

I am assuming not since it was a cash transaction. 

Please help. I am literally sick to my stomach about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XXXX WE TRUST GURANTEED I am an AMBASSADOR of XXXX TO XXXX Notice of subrogation Notice of Equity My name is XXXX XXXX XXXX XXXX XXXX XXXX of the PRINCIPLE DEBTOR ( XXXX  ) with all rights reserved without recourse and i am giving notice of subrogation and notice of equity. I am the implied surety and I am giving notice to implied debtor to DELETE these accounts from my consumer profile. As i am now in the shoes of the creditor I am owed all collaterals these Line of credits that have been accumulated. I am not looking for any monies as EQUITY represent " done what it ought to have been done '' as this maxim means that when individuals are required, by their agreements or BY LAW, to perform some act of legal significance. 

XXXX XXXX " You shall not go about as a slanderer amoung your people, and you are not to act against the life of your neighbor ; I am the XXXX '' Tradelines XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The account under my Equifax named XXXX/XXXX  is showing that is still open. This account is suppose to be closed because it was included in my chapter XXXX bankruptcy that was discharged XX/XX/2020. It is showing to have a balance of {$170.00} and a limit of {$250.00}.
Product: Student loan

Loans were in deferment ; I thought that the loans were still in deferment but unfortunately, the deferment expired. Navient transferred the loan to Pioneer Credit Recovery Inc. This company is unbelievable. Not only are they calling my cell phone 4 to 5 times per day, but they are also calling my employer, my wife, my parents, my brother and his wife, my XXXX adult step kids, and my wife 's ex-husband. I am assuming there are others, but those folks are probably too embarrassed to say anything to me. Pioneer has also shared in full detail the reason why they are calling with my wife ( who is not on these student loans ). I am quite sure this company has shared in detail with other folks, too. I do not feel comfortable speaking with Pioneer. I am considering hiring an attorney to deal with this company because I believe my rights have been violated. I also feel they are violating the rights of everyone they are calling. THIS IS HARASSMENT!!!!! It is out of control!!!
Product: Consumer Loan

Ally Financial is claiming my mother and I owe a debt with their company but I have requested in writing and verbally to them to send a debt validation, to be able to validate the debt.According to the Fair Debt Collection Practices Act, I am allowed as the consumer to ask for a audit certification of debt entry which they already have refused me. I have spoken to a lot of people in their company, and now they are giving me the run around and when I requested this information they illegally put the car into repossession. The car has not been repossessed at this time, but they are threaten to take the car without following the laws. I did do some research and saw that Ally did get in trouble before for violating the laws, they seem to not know the laws when I quote them. I also did record some of the workers letting them know I recorded and I also have the letter that I mailed to them almost a month ago. I called and tried to reason with them but they just gave me the round around so I need the federal government to step in again and enforce the Fair Debt Collection Practices Act, as well as IFRS and GAAP. I also requested to see their tax registration certificate, because I am now questioning the validity of the company. Attached on is the letter I sent to Ally, as well as the last letter they sent me. I also photographed the back of the sheet Ally sent me because a collections worker for Ally by the name of XXXX with employee ID number XXXX told me that there is back of the sheet that had a different address to send letters to. I checked and there was no back of the sheet which I photographed. The only address on the sheet is XXXX, MN XXXX. Please do not hesitate to contact me for further information, because they are trying to repossess our car and the other account holder is XXXX and I really need the car to take her to appointments.
Product: Credit reporting or other personal consumer reports

Every time I try to log onto MyEquifax I get an error message that my password is wrong, but I can not reset my password and then it won't let me create an account. I believe they are trying to force people to pay them money.
Product: Mortgage

Hi my name is XXXX purchase a moble home in XX/XX/XXXX with XXXX and when my account was transferred to wells fargo national bank it was paid off in XX/XX/XXXX then wells fargo took over and refinance me add a home owners insurance and escrow with out me knowing I did not sign anything for 8 years have paid over 45000.00 dollars just recently they maid me pay XXXX dollars his is terrible and they issued a forcloser and quick sale to me please help sign XXXX XXXX XXXX
Product: Vehicle loan or lease

I was defrauded by both the dealer and credito real usa and all persons that represent these companies. When i learn that ii was been defrauded XXXX of XXXX  i asked that the contract be voided i wanted out of it. Cerdito real usa assured me that i had nothing to worry about, they would get to the bottom of it, guaranteed me that my credit would not be affected. I have contacted them giving them ample time to respond. i never received calls back to resolve only for payments. i have been threated, accused of lying, yelled at among other manipulative practices
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, Original Creditor, XXXX, US DEPT ED Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

This complaint is a follow up to Complaint XXXX. In its response letter, Barclays made the false statement that I had requested a fee waiver in my conversation with a customer service representative on XX/XX/2024. This is untrue and can be easily proven because Barclays has access to the recorded call. I would like Barclays to re-issue the response letter without the false statement since their misrepresentation negatively impacts my integrity as a customer. Barclays should also consider auditing their past response letters to CFPB complaints to assess if there is a pattern of false statements that may have caused undue and quantifiable customer harm.
Product: Mortgage

My home had a fire back on XX/XX/XXXX. I had image in excess of 300K. After 6 months of tedious deliberations with my insurance company we came to a settlement amount. The first of 2 checks of this amount was submitted and made out to me and my mortgage company who is Citibank ( Citimortgage ).  Citibank requested documentation such as re-building proposals, XXXX XXXX for GC, GC 's contractors license and valid insurances etc. All have been submitted and processed. Meanwhile it has been over 3 weeks since they have received the first of my 2 settlement checks and as of today they are refusing to release the initial amount required ( deposit ) to my contractor so he can begin working on re-building my home. I call everyday and there is always some sort of delay or issue with their processing system. My contractor is slated to begin work Monday XX/XX/XXXX and I am forced to go into my personal savings to furnished him with some sort of down payment to begin work or he will move on to another project and I will be left to find another GC and re-start the entire permit filing process again ( which took 3 months with the City of XXXX XXXX, NY ) to get to this point of commencing. I have repeatedly told Citibank that time is of the essence and if I lose my window of start opportunity it will cause more damage to the home since it is sitting dormant with time more damage will occur. I have no other outlet as they are holding the monies meant to re-build my home and not forwarding to my GC no matter how we comply. Another issue is that they will only release a very small amount which is not nearly enough to cover the requested down payment to begin the massive work required for the rebuilding of my home Regards - XXXX XXXX
Product: Debt collection

I am writing to express my deep concern and frustration regarding the lack of progress in resolving a dispute on my credit report. Despite my efforts to address inaccuracies, particularly a reported late payment that is inconsistent with my payment history, there has been no apparent resolution. 
Account Information : XXXX XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I want to emphasize the importance of accurate reporting and the impact it has on my overall financial well-being. The inclusion of this inaccurate late payment information is not only affecting my credit score but has also taken a toll on my mental health due to the distress caused by the seemingly unending resolution process. However, there has been no visible progress in your investigation, and the inaccurate information persists on my credit report. 
I am reaching out to seek clarification on the status of my dispute and to understand the steps being taken to address the inaccuracies in my credit report. I am a responsible consumer who values financial integrity, and it is disheartening to see that my efforts to correct these errors have not yielded any positive results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with the company responsible for the inquiry on my credit report on XX/XX/2017, was told that they do not remove inquiries, and that it remains. I have also contacted XXXX the credit reporting agency where the inquiry is showing. Neither attempts have been successful.
Product: Checking or savings account

On XX/XX/XXXX I disputed XXXX charges from XXXX XXXX because I did not receive any services for which I paid for. 

On XX/XX/XXXX US Bank issued XXXX provisional credits : {$470.00} XXXX {$570.00} XXXX {$360.00} XXXX On XX/XX/XXXX without prior notice being received all XXXX provisional credits were reversed causing my account to be NEGATIVE. 

US Bank in letter ( XXXX ) received on XX/XX/2022 claim that the documents and forms they requested by XX/XX/XXXX had not been received. 

This is UNTRUE the documents were sent via XXXX and a copy of the XXXX receipt showing XXXX pages were received and date stamped on XX/XX/2022. 

Since XX/XX/2022 my account is in the negative and has crippled my business and I can not get anyone at Cardmember services to call me back. Everytime I call I get a different answer as of today I was told it may take 10 days for a case worker to review my claims again and get back in touch.