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

I have written XXXX dispute letters to both XXXX XXXX Experian in hopes to get an invalid and erroneous account off of my consumer credit file. This account was a credit builder loan that I would repay monthly ( 48 months ) and upon completions my deposit would be returned, and this product helped build my credit. The original account was held with XXXX. This bank is now closed and assets sold to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX cut me a check for this loan product. XXXX XXXX does not offer credit builder loans and this is why they returned my deposit after XXXX XXXX closed down. XXXX removed this error after I disputed with them. ( I have proof ) They are reporting ( XXXX ) 30 day late payments on a closed account which is not true because how can I be late if the bank is no longer inexistence? XXXX XXXX XXXX XXXX, Wisconsin, was closed on XXXX XXXX, by the Office of the Comptroller of the Currency, which appointed the Federal Deposit Insurance Corporation ( FDIC ) as receiver. ) I have every letter I sent to XXXX and Experian, and they keep giving me the run a round with a reply of not deleted ; or account valid, or send proof of your address, or other stall tactics. I sent them a dispute letter on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX 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: Vehicle loan or lease

A letter was sent XX/XX/2022 to GM Financial informing them they are furnishing inaccurate an incorrect information to the consumer reporting agencies and that the reporting of the inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes, and the reporting of this inaccurate information have damaged my livelihood. 

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 the reporting of the information to my account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting this account as a debt is inaccurate.
Product: Checking or savings account

Went to XXXX XXXX in XXXX, NY on XX/XX/year> and returned a toaster oven, received a {$76.00} credit to the card it was purchased on ( debit card ) .. Capital One sent me an email that it was denying the purchase ( it wasn't a purchase it was a credit ) because I hadn't used the new Debit Card I received the day before. My existing card had not expired and I had not activated the new card yet. 

Called Capital One and after more than an hour on the phone they agreed to issue a provisional credit of {$76.00}. Today I got an email saying they were rescinding the credit because they had not been able to reach XXXX XXXX. 

I want them to restore the original credit issued by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I never authorized these companies to run my credit. 
I'm not even sure how there were able to either out my consent. I never filled out any paperwork or gave my social
Product: Credit card or prepaid card

I AM STILL BEING FOUGHT WITH WHEN I CANNO HEAR ON HEADSETS AND VOIP SYSTEM AND THEY REFUSE TO GET ME SOMEONE THAT I CAN HEAR AND WILL NOT GET OFF THE HEADSETS. I AM TOLD I CAN HEAR JUST FINE AND THAT THEY REFUSE TO DO IT ANY OTHER WAY. 

XXXX AT XXXX ON XX/XX/XXXX XXXX AFTER HER AND HE WAS THE WORST OF ALL OF THEM. 

XXXX T XXXX AT XX/XX/XXXX PLEASE PULL ALL THESE CALLS AS IT IS NOTED ON MY ACCOUNT. 

VERY RUDE FOLKS AND VERY CRUDE AND NASTY. 

now XXXX and XXXX too discriminated once again at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

no knowledge of these accounts. no contract with these companies. please remove, they reposted this account. reporting innacuretly across the bureaus, no account info, this is violationg consumer law.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several inquiries that I did not authorize or recognize. These inquiries have adversely affected my credit score and financial standing. 

Below are the details of the unauthorized hard inquiries : 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I entered into a program through Discover to help pay my credit card. The agreement was that the card would be inactive for 12 months and I would pay {$100.00} until the end of the year agreement. 
On XX/XX/XXXX, I reached out to a Financial counselor through a XXXX XXXX  center in XXXX XXXX XXXX in an effort to work on my credit. We pulled my credit and started looking at issues to fix. We agreed that I would keep paying one of my credit cards and work with XXXX XXXX to pay down my other two credit cards that I was having a hard time paying. I reached out to XXXX XXXX and set up an agreement. I received word that one of my cards had accepted the agreement but Discover rejected it. I was then called by XXXX XXXX and they stated that they would try again with Discover. I received another call from XXXX XXXX saying that because I was already enrolled in a program through Discover they were unable to add it to my XXXX XXXX account unless I closed it. I felt that I could afford the {$100.00} a month agreement with Discover so, I decided to stay with them and complete the Discover program and re asses when I completed it. 

On XX/XX/XXXX, I met with my financial counselor via phone to discuss my progress over the last 5 months. He pulled my credit to see the difference from XXXX. Good news, my score had gone up 50 points. Bad news, Discover closed my account with a balance. 

I was unaware of this, I wasn't notified and I have been in good standing with the program since I started it so I was confused as to why it was closed. 
My Financial Counselor found that odd as well and suggested I contact Discover. I reached out to Discover and after a lengthy online chat they stated that XXXX XXXX should've told me that my account was closed ( I have the copy of this chat ). That sounded weird so, I contacted XXXX XXXX via chat ( I have a copy of this as well ) and they stated that some credit card companies automatically close the account when they are contacted by an organization like XXXX XXXX and that Discover was one of those companies. I asked why I wasn't informed and they stated that I should've been told.

I circled back to my Financial Counselor and he suggested that I reach out to Discover to see if they would reopen my account. Which is what I did. They said, '' I  do apologize that you are going through this difficult time, however once the account is closed, it can not be reopened '' To which I responded, " Is that a hard line? No exceptions? '' And, Discover said, '' Yes, we are unable to reopen your account. You are able to reapply for a new card! '' My complaint is, how is it possible that I was not informed that mt account was closed AND how is it protocol that they automatically close an account when contacted by an organization like XXXX XXXX? Especially since I never added that card to my XXXX XXXX account. Additionally, If I am still paying discover, how are they able to " close my account with balance " but not report to the credit companies that I a paying on this card?
Product: Mortgage

Applied for a harp refinance with loan depot. Was advised I could not refinance under harp because of a charge off for XXXX on another loan having nothing to do with the residence. After finding out there was no charge off I submitted paperwork to demonstrate that this was not true by means of a recent statement which i forwarded to them indicating I owed XXXX. I was told that anything over XXXX in deliquency does not qualify for XXXX approval. This is under XXXX but I am now being told that they have special overlays for me and will not approve loan. I am XXXX individual and believe this is discrimination. I was told that if it wasnt for this I would be approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, TREBAR FINANCIAL SERVI add a hard inquiry on my credit report per XXXX.
Product: Debt collection

XXXX XXXX had contacted me prior to adding a collection account to my credit report. At that time I advised them that the account did not belong to me and was most likely due to losing my wallet some time ago. Since that conversation the debt that isnt mine has been added to my credit report and is reflecting negatively bringing my score down and making it impossible to obtain a mortgage for a house for my family. If I had the money to pay the balance off I would do so but dont believe it is fair since it doesnt belong to me and due to my own medical issues isnt feasible. I ask that XXXX XXXX please stop trying to collect on something that doesnt belong to me and stop making my life more difficult.
Product: Credit reporting or other personal consumer reports

This is my 10th 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have tried to dispute this debt. I have stated that this account is not mine, I never lived at the address where this account was set up. I've never had an account with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate information with Experian, XXXX and XXXX over the past few months. 
I have been told they would not investigate and also that they have verified the information was accurate. 

I am disputing the following inaccurate information : XXXX XXXX  XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX  XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX CHILD S XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX  XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX  XXXX  XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX. XXXX, XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX are not complying with their own policies in a timely manner. 

On XX/XX/XXXX I wrote XXXX, Equifax, XXXX About some inaccurate And Incomplete Credit information. and I Demanded to see XXXX XXXX. it XX/XX/XXXX and I have yet to hear back from either of the three credit bureau. with them failing to do so has hurt my ability to obtain credit UNDER FCRA UNVERIFIABLE ACCOUNT MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME A COPY OF VERFIABLE PROOF. YOU MUST REMOVED THE ACCOUNT.
Product: Debt collection

Portfolio Recovery Associates is an unlawful organization that frequently is sued for violating the FDCPA and The FCRA. Please not in 2015 the CFPB sued Portfolio for several violations resulting in a {>= $1,000,000} settlement. In my case I have asked for and NOT received required documentation under Section 609 FCRA, which requires certain documents to be provided to a consumer in the case of identity theft. Portfolio despite being notified in numerous occasions has failed to provide the required documentation under Section 609 FCRA to me at any point. The only thing they sent was a manufactured letter to an address I have never lived at. 

Please find a copy of my notice to XXXX, XXXX  and XXXX  that was also sent to various creditors where my identity has been assumed and derogatory items placed against my credit report. I am also attaching notices of various lawsuits filed against Portfolio for engaging in the same misconduct they are currently engaging in with regard to my personal credit file. 

Portfolio buys debts, they obviously can not produce the required documentation because of two reasons : I did not open this account and Portfolio does not have the required documentation under Section 609 FCRA and therefore the item must be deleted from my credit report since they can not and have not produced this information.
Product: Credit reporting or other personal consumer reports

The credit reporting agency refused to fix inaccuracies on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, these accounts and inquiries were fraudulently added without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these items to be immediately blocked and removed. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Consumer Loan

I set up a automatic payment with west lake financial for XXXX/XXXX/16, for some reason my bank had a block on payment to this company, so when i saw that the payment was return by west lake i called them up and paid over the phone, i was given a confirmation number and was told my next payment was due on XXXX/XXXX/2016, however i have been receiving phone calls a couple times a day via a automatic dialer, and they say i am late on my payment. i then explain the situation and give them the confirmation number they then say they will notated the problem and i should not get another phone call, but i get another phone call saying i have not paid
Product: Student loan

I received a letter from Aidvantage dba as Maximus Inc. yesterday on XX/XX/XXXX alleging that I owe a student loan debt that I discharged by submitting an IRS Form 1099C on XX/XX/XXXX. Also, I received confirmation from Aidvantage during that time that they received the 1099C form, however instead of processing the form and discharging the student loan debt, Aidvantage disregarded the 1099C and approved the student loan for forbearance, this is clearly fraud. The 1099C form was originally supposed to be received by the CFO of Maximus Inc. In order to be clear with this matter, I will need Aidvantage to answer the following questions : ( XXXX ) According to the alleged loan agreement was Aidvantage involved in the alleged loan to lend their money as adequate consideration to purchase the promissory note from me? YES or NO. ( XXXX ) Did Aidvantage involved in the alleged loan follow GAAP? YES or NO. ( XXXX ) Was it the intent of the alleged loan agreement that the one who funded the loan is to be repaid the money? YES or NO. ( XXXX ) According to the alleged loan agreement was the alleged borrower to provide anything of value that Aidvantage would use to give value to the promissory note in approximately the amount of the alleged loan? YES or NO. ( XXXX ) According to the bookkeeping entries of Aidvantage in the alleged loan, did Aidvantage involved in the alleged student loan lend their money as adequate consideration lent to purchase the promissory note from me? YES or NO. ( XXXX ) Are the economics of the alleged loan similar to stealing, counterfeiting and swindling against the borrower? YES or NO. ( XXXX ) According to the alleged loan agreement was the alleged borrower to lend the borrower 's promissory note to another party such as Aidvantage? YES or NO. If you refuse to answer these questions with detailed specifics answers, I will presume that there is concealment of material facts and that the promissory note has been altered or stolen and that I provided the money that Aidvantage claims was lent to me. If you refuse to answer these questions, then please return a XXXX balance and return the promissory note. All rights reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank sent the XXXX police XXXX to my house at XXXX XXXX on XX/XX/2023 saying I threatened them when I never said those comments. I have been trying to get case resolved since May and representatives keep repeatedly hanging up the phone.I have a permanent XXXX and Citibank causing unduly stress over getting these credit inquiries off my reports. I had to check myself into the hospital because of chest pain Citibank is causing me. I am demanding a phone call from the XXXX and apology because no reason that cops should been called on me. I am filing a Congressional complaint if CFPB doesnt resolve the issue.
Product: Checking or savings account

I have been banking with BOA for some time now. On I checked my account balance and noticed that my account was overdrawn due to a recurring debit from XXXX. I contacted XXXX because I moved my automatic payments to the credit union to avoid BA maintenance fees. XXXX said that they would make the necessary changes. So I contact BOA regarding the overdraft fee assessed. I informed the rep that I made arrangements with XXXX and just wanted my overdraft fee back. The rep declined my request. I told to another rep and explained it was a merchant error, it was resolved I just wanted my fee back. It was declined again. 

While talking to the rep, I also explained a problem that I had regarding an ATM deposit. Weekly I deposit the pay from my employer. During the deposit, the ATM timed out, the check was not returned to me, and my account was not credited. However, I needed money so I agreed to the overdraft fee. The rep initiated a claim on my behalf and the overdraft fee related to the ATM withdrawal was refunded. 

On this past Saturday, I discovered that my account was overdrawn because the claim was denied. Im confused and Im baffled as to why I was notified. This is the same check I deposit every week. If the check was not returned to me then obviously its stuck in the ATM. Why am I being penalized for a technical error? My employer states the check has not been paid on their account, but does not want to pay their bank to stop the check unless they are going to be reimbursed. 

I want my account credited for the ATM deposit. I want all of the overdraft fees from XXXX through the present refunded. And if the account can not be credited for the ATM deposit, then my employer should be reimbursed {$35.00} for the lost check.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has violated my consumer rights. They will not remove or fix a XXXX XXXX account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.
Product: Debt collection

Told me I was patient owing for medical bill. Found out trying to collect unauthorized hospital test done on DECEASED HUSBAND two years ago. He was totally covered by XXXX, XXXX XXXX and had already paid any applicable deductible. Last time I answered, the balance had increased by more than 10 percent. They are deceptive and rude.