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

On XX/XX/18 I received an alert on my credit report stating that Home Depot has inquired a hard hit on my credit report. I am very confused because I did not ask for a credit card or gave Home Depot permission to run a hard inquiry on my report. I did go to the store to purchase a car battery and the clerk XXXX stated that she tried to give me a 25 percent  discount off of the battery but she was unable to do so. I asked does she have a promo code and she said it wasn't working but she can give me a military discount of 10 percent but in order to do so she needed my id to verify it was me. When I got home a received an alert, so I believe the clerk XXXX at store number XXXX at XXXX XXXX XXXX, in XXXX, NY ran my credit without my permission and lied about that she needed my information to verify it was me receiving the discount. I am astonished that this has occurred so I wrote an email to the CEO expressing my complaint. I did not receive a response back from the CEO, but I did get an email from the credit company ( Citi Bank ) explained that my concerns were forward to them from CEO of Home Depot and they would look into my concerns, but phrased the email as I had gave permission to run my credit. I reiterated that I did not give permission and this is considered fraud. They again stated they would look into this matter and get back to me. As of now I have not heard anything and the hard inquiring is still reflected on my credit report. I would appreciate it if you can assist me in removing this hard inquiry of my credit report as I did not give permission to Home Depot to run my credit and this is unlawful. Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inaccurate Credit Reporting ( 15 USC 16812 ) I am writing the letter to inform you that I have notified the credt bureau of misreporting by your company in accordance with the Fair Credit Reporting Act. Accoring to which, as the furnither of the aiormation in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account XXXX XXXX XXXX : XXXX Is showing a balance of Experian : {$23000.00} XXXX : {$23000.00} XXXX : {$23000.00} XXXX XXXX XXXX : XXXX Is showing a balance of Experian : {$850.00} XXXX : {$850.00} XXXX : {$850.00} XXXX XXXX XXXX : XXXX Is showing a balance of Experian : {$2000.00} XXXX : {$2000.00} XXXX : {$2000.00} When it is my understanding a reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing amounts of The following account XXXX XXXX XXXX : XXXX Is showing a balance of Experian : {$23000.00} XXXX : {$23000.00} XXXX : {$23000.00} XXXX XXXX XXXX : XXXX Is showing a balance of Experian : {$850.00} XXXX : {$850.00} XXXX : {$850.00} XXXX XXXX XXXX : XXXX Is showing a balance of Experian : {$2000.00} XXXX : {$2000.00} XXXX : {$2000.00} This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. 

Especially with the actual knowledge notice and confirmation of the errors. 

Please provide me with the return of the time and form as prescribed by regulation or the summary of my name, my tin, the date, and the amount of the discharged/charged off debt as prescribed by the secretary. Then I demand that the account be removed from my credit report asap.
Product: Credit card

I AM EMAILING YOU IN HOPE OF BEING ABLE TO RESOLVE AN ISSUE I AM HAVING ON MY CREDIT REOPORT. I AM IN THE PROCESS OF TRYING TO BUY A HOUSE AFTER MY XXXX FROM THE XXXX. I AM XXXX AND HAVE BEEN LIVING WITH MY INLAWS FOR THE PAST 6 MONTHS WITH MY FAMILY SO THAT I CAN REPAIR MY CREDIT AND PAY OFF AND GET CURRENT ON ALL OUR BILLS AND CREDIT ISSUES. I WAS ALMOST DONE WITH THE CLOSING OF A HOUSE WE REALLY WANTED TO SPEND THE REST OF OUR LIVES IN AND THE V.A. APPROVED OUR LOAN EARLY ON IN THE PROCESS. WHEN AT THE BEGINING OF THIS WEEK THE UNDERWRITER PULLED MY CREDIT A 90 DAY LATE PAYMENT SHOWED UP ON OUR CREDIT REPORT THAT HAD FELL OF THE REPORT AND THE UNDERWRITER DENIED US FROM GETTING THE HOUSE. DUE TO THIS WE ARE LOOKING AT LOOSING THE HOUSE WE ALL FELL IN LOVE WITH. I UNDERSTAND THAT I DID HAVE A ISSUE WITH THE PAYMENTS DURING THE TIME I WAS IN TRANSITION FROM THE XXXX LIFE WAITING TO GET THE XXXX PAYMENTS STARTED FROM THE V.A. AND XXXX. I WISH THAT WOULD NOT HAVE HAPPENED AND I DO UNDERSTAND IT WAS MY FAULT FOR THE LATE PAYMENTS I AM IN NO WAY TRYING TO DISPUTE THAT. I AM WRITING YOU TO SEE IF YOU WOULD PLEASE REMOVE THE 90 DAY LATE ON MY CREDIT REPORT THAT HAS POSTED AGAIN ON MY CREDIT REPORT. IF YOU WOULD PLEASE LOOK AT MY WIFES ACCOUNT AND MINE YOU WILL SEE THAT MY WIFES ACCOUNT IS COMPLETLY PAID OF HER NAME IS XXXX XXXX XXXX. I PAID {$1400.00} AS A LUMP SUM PAYMENT TO GET MY ACCOOUNT DOWN TO {$110.00} AS ADVISED BY MY FINANCE COMPANY. HE WAS TELLING ME THAT THE CREDITOR CAN TAKE THE 90 DAY LATE PAYMENT OFF OR ADJUST WHAT IS POSTED ON MY CREDIT REPORT. APARENTLY WHEN MY FINANCE AGENT PULLED MY CREDIT THIS 90 DAY LATE WAS NOT ON MY REPORT AND NOW WHEN THE UNDERWRITER PULLED MY CREDIT IT WAS ON THERE AND STOPPED MY FAMILY AND I FROM BUYING THE HOUSE. I HAVE BEEN WORKING REALLY HARD AND PAYING A LOT OF MONEY TO BE ABLE TO MAKE OUR DREAMS COME TRUE BY BUYING A HOUSE OF OUR OWN AND FINALLY SETTELING DOWN AND RAISING OUR XXXX YEAR OLD DAUGHTER. PLEASE I KNOW YOU DO NOT HAVE TO HELP ME AND FIX THE ISSUE WITH THE 90 DAY LATE PAYMENT BUT I AM PRAYING THAT YOU WILL PLEASE SHOW ME SOME COMPATION AND FIX THIS ISSUE WITH MY CREDIT REPORT SO THAT MY FAMILY AND I CAN FINISH THE CLOSING ON THIS HOUSE OR IF WE MISSED THIS HOUSE BE ABLE TO GET THE NEXT XXXX SO WE CAN MOVE OUT ON OUR OWN. THANK YOU FOR ANYTHING AND EVERYTHING YOU CAN DO TO HELP RESOLVE THIS MATTER AND I THANK YOU FOR YOUR TIME AND SERVICE XXXX. CAN YOU PLEASE ALSO GIVE ME THE TIME OF MONTH YOU POST ON CREDIT REPORTS? XXXX BLESS AND THANK YOU.
Product: Credit card or prepaid card

XXXX by XXXX netspend is owed me a refund of {$390.00} that the claim was resolved by phone claim number XXXX and the XXXX staff or XXXX is being very rude and Im concerned may have embezzled my check and compromised my social security number over seas I spoke to a XXXX woman on XX/XX/19 that processed my check but the XXXX  are refusing to resend my check.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Laws Dear WAKEFIELD & ASSOCIATES, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), and XXXX ( a ), as well as XXXX XXXX XXXX concerning identity theft and consumer protection. 

It has come to my attention that WAKEFIELD & ASSOCIATES has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section XXXX ( a ) ( XXXX ). 

Additionally, under XXXX XXXX specifically XXXX of the XXXX XXXX XXXX, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. 

I assert with certainty that I have not provided consent for WAKEFIELD & ASSOCIATES to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws. 

I demand that WAKEFIELD & ASSOCIATES immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section XXXX ( a ) ( XXXX ) of the FCRA and relevant XXXX XXXX, including XXXX regarding identity theft. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and XXXX  state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that WAKEFIELD & ASSOCIATES will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.
Product: Checking or savings account

All bank accounts and loan addressed in this complaint are with Regions Bank. Store has an ATM machine and the money we put in the machine are deposited to stores checking act. at Regions Bank by XXXX, XXXX. An automatic payment was set up directing the money from the checking account to pay for the monthly loan payments. 
XXXX loan payment of {$5100.00} deposited and backed out by Regions Bank and accounts were accidentally closed by Regions Bank per our local Regions Bank XXXX late fee charged XXXX late fee backed out XXXX late fee charged XXXX new accounts opened and loan payment made for XX/XX/XXXX XXXX loan payments for XX/XX/XXXX and XX/XX/XXXX made and everything up to date XXXX late fee charged and XXXX late fees backed out ***When new bank accounts with different act. numbers were set up the automatic payment was no longer authorized. 
***From XX/XX/XXXX through XX/XX/XXXX Regions bank could not figure what was going on and we could not get any answers from the local Regions Bank XXXX Money deposited into the checking account were taken out. The local bank tried to solve the problem but could not get answers from the loan department. They were just as perplexed as we were. Sometime during this time the loan account was frozen. 
XXXX contacted by the loan department and was told we hadnt made a payment in over a year. According to our records at that point we had overpaid by {$1200.00} XXXX XXXX, XXXX the loan department contact us and advised us to fill out a fraud report XXXX we received a letter from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, stating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX for default of loan payment.. that were not made from XX/XX/XXXX and all subsequent payments. Regions is demanding the principal, interest through XX/XX/XXXX ( per dime thereafter : {$16.00} ), late fees, prepayment penalty, attorneys fees and costs. We have been asked to provide data that we dont have access to because are accounts are frozen and we do our banking on line. The date the bank is asking for the bank has. 
XXXX XXXX, XXXX the checking account was opened for a brief period of time and we deposited about {$22000.00} to add to the money we already had in the account for a total of about {$31000.00} and a additional deposit for a loan payment of {$5100.00}. 
*** To date we still do not have answers to why our accounts are in such turmoil and I do not think they themselves knows what happened and are trying to figure what went wrong. We have been told by XXXX XXXX we can not contact the bank because the bank is his client. 

***It has been 3 months and we have not heard anything on this case. Because of the default we can not get a loan and could possibly loose our business. 

***Our hands have been tied during this entire time.
Product: Debt collection

NCB has called twice trying to collect a debt belonging to a man from what sounded like his XXXX (? ) account. I was told the name ( mine ) attached to the phone number they 've been calling does not match the name they are trying to reach, nor does my address ... yet they keep calling. I was forwarded to a supervisor who assured me NCB would not be calling again. All calls are recorded.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this 'creditor ' has and continues to violate a surplus of my rights under 15 USC 1681 sect. 602. They have not respected my right to privacy regardless of the alleged business done between both parties. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has failed to provide proof of my oral or written acceptance of this alleged debt which is in direct violation of 15 USC 1681 sect. 604 ( A ) 2 assisting clear violations of 15 USC 1666b, 1637b, 1681s2, 1681, FCRA, FDCPA, etc I've kept record of my certified letter assisting an notarized cease and desist letter which lawfully should have stopped all communication, reporting and infringement of my account. I've provided additional documentation, if helpful - expressing how their misleading information provided to my FICO report & their lack of compliance with FCRA rules is leaving me without a clear resolution and causing significant distress to my credit worthiness and hindering my ability to acquire essential assets. 

It is their responsibility to acknowledge these concerns arising from their incorrect reporting. I appreciate your urgent attention to this matter and look forward to a prompt and equitable resolution. Lack of resolution will leave me no other choice but to have the local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny in this matter, pending immediate relief. 

In general, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. If taxable, you must report the canceled debt on your tax return for the year in which the cancellation occurred. They have not properly remitted my 1099c so I can properly do my taxes. Because all income needs to be reported and i refuse to be in violation due to XXXX XXXX  's unfair practices. Thank you, your cooperation is appreciated in advance.
Product: Credit reporting or other personal consumer reports

Tonight, I was completely shocked to find inaccurate accounts on my credit report, and I have no clue how they got there. Ive always been diligent about checking my report, but this time, unexpected discrepancies appeared. I even refreshed my browser, hoping it was some kind of glitch, but nothing changed. Now Im left stressing, and I need the documents I sent to be carefully reviewed so I can stop worrying about this once and for all.
Product: Debt collection

I am writing to formally request the following documents related to my account : Accounting Summary : A detailed summary of the accounts activity.

Statements : A full set of statements for the past [ X ] months.

Balance Details : The current balance and any outstanding fees.

Agreement/Contract : A copy of the original agreement or contract related to this account.

This is my first request for these documents. I am requesting these items to verify the details of my account and to ensure accuracy. I would appreciate it if you could send these documents promptly or provide instructions on how to access them. 

If you are unable to provide the requested documents or if there are any issues with fulfilling this request, please notify me in writing and provide an explanation. 

I would appreciate a timely response within the CFPBs standard timeframe.
Product: Checking or savings account

On the XX/XX/XXXX & XX/XX/2019 I used my debit card in a ATM machine in XXXX and did not receive the money at all times. There was sixteen transactions in total that Bank of America withdrew from my account totaling {$1900.00} including fees. After may return home I applied for a claim from Bank of America in dispute of the charges made on my debit card. Bank of America sent me the receipts of the transactions in XXXX and the information on the receipts are in total disagreement. On the particular days in question there were no money dispersed, However, Bank of America returned only three transactions and on the receipts there are three more transactions that went through. This leaves ten transactions that Bank of America withdrew money out of my account but the receipts indicate that I did not make a withdrawal. Bank of America has closed my claim without investigating the remaining outstanding ten transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity thief. this was reported to Experian along with all appropriate documentation. 

Experian removed the account of creditor XXXX for {$860.00} because this was part of the Identity thief. 

XXXX  apparently sold the bad account to XXXX XXXX XXXX who puts the account right back on my credit report an account that was investigated and removed due to identity thief may not be put back on my credit report Simply because they sold the debt. 

This should be removed
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Recording Act XXXX XXXX XXXX XXXX XXXX XXXX has Violated my rights Via XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX Never informed me of my right to exercise my nondisclosure option. This account Shows on my credit report as a Charge off and Per the IRS Publication 4681 States, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return '' I have attempted to get this off of my credit report can you help me
Product: Debt collection

This collection company put a negative debt on my credit report I have never had any contact with anyone from this company on the phone or via mail. I do not have any knowledge of any collections from this company and I want this removed from my credit report. When collecting any debt a person must be notified and giving the right to dispute. Which I was not in the middle of Covid all of these collections companies are violating collection laws. They also reported this on my credit report as a loan and said the account type was a factoring company.
Product: Debt collection

Sears Credit Card Services sent me an automated letter dated XX/XX/2018 according to a Call Center Representative I spoke with on XX/XX/2018. The letter stated that the reason why they were writing me was due to a recent review of my account ending in XXXX, my Sears Department Store Card Account has been closed. Please do not attempt to use this account no further transactions will be authorized. As a reminder, if you have an outstanding balance, please continue to make your monthly payments by the payment past due date until the balance is paid in full. You are responsible for any outstanding balance according to the terms of your Card Agreement. Please destroy your Sears Card you may have in your possession. 

Well now, This account was paid in full back in XX/XX/2018. I was the XXXX XXXX for my ill Father a XXXX  Military  XXXX XXXX  XXXX in the XXXX, North Carolina Veterans Administration Hospital from XX/XX/2018 until passing away on XX/XX/2018. Where did I have time to go out shopping and use this card in order to place an outstanding balance on it? I spoke with both Sears and Citibank Call Center Representatives and told them this related information. Without my permission or authorization my account was CLOSED. Thereby, changing my credit score, and lowering it by 40 points. I am in the process of purchasing a family home with the assistance of the military, and do not need this extra added stress of someone making a business decision for me on my behalf, especially since they are not helping to pay my household debt or bills.

I would like to see my Sears Department Store Credit account XXXX restored in good standing, with the negative Credit Reporting according the FCRA fixed and removed from my credit report to improve my rating. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

THE COMPANY CHARGED OFF THIS ACCOUNT AND FILED ON THEIR TAX RETURN. 15 USC 1681 ( e ) B. I REQUESTED A 1099C AND HAVE NOT RECEIVED IT. ACCORDING TO THE IRS, THIS DEBT IS CONSIDERED CANCELED. THIS ACCOUNT SHOULD NO LONGER BE REPORTED WITH A BALANCE REQUESTING PAYMENT FROM ME. 

Account info Account name XXXX XXXX Account number XXXX Account type Utility Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$650.00} written off. {$650.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX XXXX {$650.00} Balance updated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2016, it was reported that a settlement was issued for an old discount tire credit card. I signed up to help a friend back in high school who was in desperate need of funds but didn't have the credit history to be approved. Long story short, I got the card so he can get what he needed for transportation and it was our verbal friendship agreement that he would make payments towards my credit card to pay it off for helping him. I failed to make sure my friend was making his monthly payments towards my credit card on time. Everything was working out fine until he had a medical emergency with his family and was unable to make the payments. Unfortunately his pride got in the way and he never told me he wasn't able to make the payments until I found out for myself with delinquency letters from synchrony bank. I confronted him about it and he said he would handle it. Time went by to the point when I started getting collection calls. I sat down with my friend and he finally told me he couldn't make the payments anymore. We had received a settlement letter from synchrony and my friend offered to pay the settled amount since the interest and late fees were building up. I didn't understand the importance of credit until this took place. I have spent years since trying to rebuild my credit and I am managing to do so remarkably. This was a bad decision on my part for trusting others with my own credit, I was hoping there something that can be done to get this removed since this is the only negative impact on my overall credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each inquiry, XXXX XXXX XXXX XXXX ; Bankruptcy, ( which is also being reporting incorrectly - wrong case number ) were disputed on XX/XX/18 and I have yet to receive responses back from any credit bureau or notification. Per the FCRA these items are to be deleted immediately. The 30+ days has passed. I kept a very detailed log of when these letters were sent out to each credit bureau.