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

Good evening! I recently received a letter dated XXXX XXXX stating XXXX XXXX XXXX had furnished a CHARGE OFF to Equifax, XXXX, XXXX. I have already filed multiple disputes to remove the account starting and ending with XXXX. All three credit agencies failed to provide me with proper DEBT VALIDATION, and they all continue to reflect on my CONSUMER REPORT as a CHARGE OFF and I never received a IRS TAX FORM 1099c. 
With that in mind, I would also like to point out that my consumer information currently is not being accurately reported and is causing injury to my family by not being able to acquire goods and services I need for my home. I do currently have the vehicle I purchased in the consumer credit transaction dated on XXXX XXXX. I have a letter from XXXX XXXX stating that there is no lien/title for my vehicle, there is no remaining balance reflecting on my XXXX XXXX account but, XXXX XXXX did furnished " Charged Off '' and is now being adversely reported on my credit report as a Charged Off account. 
We are both aware that XXXX XXXX XXXX as well as all other businesses lawfully acting in commerce utilizes the IRS form 1099C Cancellation of Debt for the remaining debt obligation not recovered in the sale of the vehicles after repossession. From our limited knowledge and tax obligations for the year of XXXX, such an IRS form is then reported as " INCOME '' and not as a " DEBT '' on a consumer 's tax filing requirements. While the business can cancel/ write off the account receivable '' as a " BAD DEBT '' and receive a tax deduction as mentioned in the IRS Topic 453. This current issue of XXXX XXXX XXXX furnishing this inaccurate information on my consumer credit report is clearly not only going against the rules of construction in the area of " exclusions '' of " reports containing information solely as to transactions or experiences between the consumer and the person making the report '', This inaccurate information as to what the IRS Publication 4681 defines as " Income '' and not " Debt '' is being furnished to third party data furnishers as well. Perhaps this is a small oversight that XXXX XXXX XXXX is not aware of and can address quickly at no cost by submitting a request to Equifax, XXXX, XXXX, to remove this inaccurate derogatory account from my credit profile since the DEBT has be canceled and reported as INCOME as well as to stop the current injury so that I could continue to prosper just like you. 
With that in mind, If for some reason this is not the correct understanding of the " exclusions '' part in the construction of a consumer 's credit report with accurate information and the correct IRS reporting a " Debt '' charged off and reported as " Income '', please let us know with supporting details so that we can be better informed consumers and honest taxpayers. Thank you and I will be looking forward to a honorable response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 It says I have no credit but I think my identity has been stolen as I've been receiving many scam calls and emails asking for my information and I clicked one of the emails by accident and feel my information is being used to take out student loans and or credit cards
Product: Mortgage

On a letter dated, XX/XX/, I received a letter from PA Housing Finance Agency that read : Notice of Intention to Foreclose Mortgage. I contacted PHFA to inquire why I had received this notice when I had not missed a payment in five years. To which, I have all documentation to confirm. After I spoke with XXXX XXXX at PHFA she informed me to contact accounting via email at XXXX  to request a review of my account with information or statements regarding their claims of missed payments on my behalf. The email I sent to accounting was dated on XXXXXXXX XXXX XXXX As of today, XXXX XXXX, I have still not received even a reply from accounting at PHFA, and it's been a constant game of phone tag with PHFA in the last 10 days due to work and business hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have had the car loan since XX/XX/XXXX. From loan beginning, up through XX/XX/XXXX, I have paid a total of {$5000.00}. Of this amount, only {$1100.00} has been applied toward the principal. That is barely 23 %!!! Or worse yet, thats 76.7 % interest! I do understand that in the beginning of a loan, much of your interest and loan fees are whats being collected. However, my rate ( while deathly high ) was supposed to be 32 %. And that is one year and a half of getting nowhere with this loan. One payment of {$300.00} had XXXX cents applied to the principal. What is happening here, and HOW are they allowed to do this?? Also, their lending fees are outrageous. 
Is this predatory lending practices???? 
I have included 3 statements, but I do have all of them.
Product: Money transfer, virtual currency, or money service

I CONTACTED REMITLY AS SOMEONE TOOK OUT MONEY FROM MY BANK ACCOUNT, XXXXXXXX  AND XXXX ON XXXX XXXX XXXX TH THAT I DID NOT AUTHORIZE NOR DID I EVER OPEN AN ACCOUNT BUT SOMEONE MUST HAVE GOT MY INFO AND DID THIS, AS I AM XXXX  YEARS OLD ON SS AND NOW I HAVE NO MONEY IN MY ACCOUNT AND I HOPE YOU CAN HELP ME WITH THIS MATTER AND GET MY MONEY BACK, THANK YOU, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX
Product: Bank account or service

Deposited money in bank and bank placed a 10 day hold because of numerous overdrafts. Other items came in and more additional fees were billed.
Product: Debt collection

This company has called more than a few times to a phone number that is recycled. I have told them time and again that my number needs to be removed. Even their compliance person lied stating that they had never called me, trying to call me a lair. Each time they have called for the same person and I have told them there is no one at the number with the name. This time, I asked that the number be marked as bad in the case file, however, the compliance person told me that she could n't make any changes and that there was no one at the company that could and that my number would continue with the file.
Product: Vehicle loan or lease

In XX/XX/2021 I purchased a vehicle from RightWay in XXXX Michigan, I traded in my Jeep, they offered XXXX towards the purchase of the new used vehicle. On day 3 I went to RightWay and told them there are some serious issues, the car shook going 35 or higher, when when trying drive from a stop or trying to pass the car may or may not go and the RPMs will rev, so you turn or pass at your own risk, when the car does engage it will lurch forward. The RPMs rev at random times while driving. The right front tire wobbled. RightWay agreed to pay for everything wrong with the vehicle for which I was satisfied. Then I discovered the vehicle had been in an accident and from the 2 days of driving the front bumper was separating from the frame and a crack in the bumper became visible. They werent going to replace the bumper so I said I want to return the vehicle, they said to bring it in and they will give a full refund. They said the transaction would be reversed as if it never happened. So I brought it in, they started the paperwork, they said since they paid my loan off XXXX of course would have to get another loan for what I originally owed on my Jeep before all this happened which was XXXX dollars, so okay no problem. My mistake I signed all the paperwork to repurchase my XXXX without reading what I was signing. I was told my payment is going to be the same as it was before XXXX $ a month, they sold me an extended warranty for 4 more dollars XXXX $ a month. I was told my loan was through XXXX XXXX and XXXX be getting the paperwork in the mail. What I got in the mail was 2 letters from XXXX XXXX saying thank you for your interest in a loan and showed my credit score with an explanation of how to improve it, so I dont even know if the loan went through, I received 3 of these. I then received the application for Michigan title and registration which XXXX XXXX is listed as First Secured Interest, under that the purchase price of vehicle XXXX. I was flabbergasted, this transaction never happened yet they are charging me XXXX dollars to buy my XXXX back when I only owe XXXX. They never sold me the car, I never traded in my XXXX, yet they are charging me XXXX more. This is not right, and now I dont know if the loan went through so can they technically repo my own XXXX? This is wrong on so many levels and I dont know what to do. I just want to pay what I owed on the XXXX. Im a veteran, Im on XXXX, I dont have the money to get a lawyer for this, Im just sick about this. I dont know how I got in this mess I dont understand, I cant lose my only form of transportation, I would appreciate any help at all. Thank you so much.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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

Lowes credit card services from the moment I got the card some very strange things have been happening on it. Ive received emails about inquiries into my credit report even though Ive only had the credit hard 7 months. Out of any of my card this one is always sending me random email and purchases I didnt make unlike the other ones. It now check my credit without contacting me and then sent me a letter via email that stated my credit card was changing even though I never authorized this. I was suspicious before this happened but now this confirms what I had been worried about. They accessed my credit report without my authorization. Im contacting the company as well to tell them I do not want to deal with them anymore and they have no right to continue to do this. Also the emails I receive have links that dont go anywhere. This happens with most of the emails they send but this one had an identity thief link that didnt work. The reason I know this isnt normal is no other company has done this. Another reason is the companies have to ask for authorization before they accesses my credit report lowes is the only one who never does and did.
Product: Credit card

Bought XXXX XXXXXXXX. Used Reward points from Chase. Received credit from XXXX returned purchases. 1st contacted XXXX several times. Finally told Chase had to apply refunds to Reward points. Contacted Chase on ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) Keep getting run around. Said would escalate & get back to me within 3-5 days first message. NO response. Contacted again-told they would get back to me 1-2 days. Time for redepositing Rewards points long overdue. Rewards points-same as cash. Appreciate intervention-this constitutes bad business practices. Requesting points be refunded to account + {$50.00} credit to cover my time of multiple contacts to resolve. We're writing to let you know we processed your refund of {$22.00} for your XXXX XXXX from XXXX XXXX  XXXX XXXX. This refund is for following item ( s ) : Item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California Oversized Sweatshirt, XXXX, XXXX Quantity : XXXX XXXX  : XXXX Reason for refund : Order cancelled Here 's the breakdown of your refund for this item : Item Refund : {$15.00} Shipping Refund : {$6.00}. We'll apply your refund to the following payment method ( s ) : Reward Points : {$22.00} XXXX Credit Card [ expiring on XX/XX/XXXX ] : {$0.00} We're writing to let you know we processed your refund of {$18.00} for Order XXXX. Refund for the following item ( s ) : Item : Red and Green Tree Sprinkles- 4 oz Resealable Stand Up Candy Bag - XXXX Themed Sprinkles Featuring XXXX Trees - Bulk Sprinkles for Baking XXXX  : XXXX Reason for refund : Item not received Here 's the breakdown of your refund for this item : Item Refund : {$9.00} Item Promotion Deduction* : ( {$1.00} ) Item : XXXX XXXX XXXX, cinnamon, XXXX XXXX Quantity : XXXX XXXX XXXX XXXXXXXX Reason for refund : Item not received Here 's the breakdown of your refund for this item : Item Refund : {$8.00} Item Tax Refund : {$0.00} We'll apply your refund to the following payment method ( s ) : Reward Points : {$18.00} Received a message from Chase advising me they had refunded one of my returned purchases, HOWEVER, instead of crediting my account they debited it. Messaged them again about their error, told me they escalated it and I would have to wait 5 days for response. That will NEVER come.
Product: Checking or savings account

A debit card linked to one of my accounts at Bank of America was compromised and used to withdraw {$8600.00} from that account. The debit card and PIN was used to transfer {$8800.00} from another linked account using an ATM at a XXXX store in XXXX XXXX, CA. Shortly afterward, the same card was used to make a purchase of {$8600.00} from a pawn shop in XXXX XXXX, CA. The claim was denied because the PIN was used. Ive been a customer at XXXX for over 25 years and even have my IRA account with them. Ive never been to XXXX XXXX, nobody in my family has ever been to XXXX XXXX and I dont do my banking on a convenience store ATM and Im dismayed that Im having so much trouble with what is obviously fraud. I have filed a police report in my hometown of XXXX, CA and they informed me that this matter would likely be turned over to the XXXX XXXX police department.
Product: Credit reporting or other personal consumer reports

I tried to request the 3 credit bureau reports from XXXX I do not remember receiving any for the year 2024.
Product: Debt collection

I had recieved medical care and my insurance covered 100 %. Medical center radiology at XXXX hospital claim I owe them {$38.00}. They will not tell me what for and have malaciously put the false information on my credit report dropping it from XXXX to XXXX. I called the collection company EQUIDATA, and they wont give me an answer and claim i must pay it. Nothing in a hospital costs only {$38.00} and they cant explain where this charge came from. I think they do this to everyone to scam money. I called my health insurance and they said the entire claim had been paid and there were no additional charges submitted and are sending me an itemized statement. They are committing a crime and its affecting my credit reputation. It needs to be removed asap or im seeking legal action.
Product: Money transfer, virtual currency, or money service

My account was restricted without any clear reason while trying to withdraw my crypto to my external wallet after a deposit was made into my Robinhood account. Ive tried contacting customer service multiple times, but all my efforts have been unsuccessful. They promised to reach out to me via phone, but I haven't heard back from them yet. 

XXXX XX/XX/2025 {$5000.00} Account got Restricted
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : 01 COMENITY BANK VICTORIA S SECRE ) XXXX ... XXXX  XXXX XXXX ... CCB/CHLDPLCE XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

Paypal has restricted my account without any reason. I want you to tell them to unblock it.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX  XXXX Date Opened XXXX BALANCE {$180.00} Account Name : XXXX  # XXXX OPENED XXXX BALANCE {$710.00} Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$520.00} Account Name : XXXX XXXX  # XXXX OPENED XXXX BALANCE {$980.00} Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$1600.00} Unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I never received items I purchased online. Merchant is unresponsive, order has never been shipped out. 

I placed an order on XXXX on XX/XX/2022 for XXXX XXXX XXXX  for a total of {$64.00}. After not receiving an order confirmation emailed, I emailed the merchant on their support email provided on their website. I got an automated unable to deliver email because the email they provided was fake. 

I waited and opened a dispute with my credit card company, Citi, on XX/XX/2022. On XX/XX/2022, the merchant replied to the credit card company with ONLY a receipt of my payment. They have never provided proof of shipment or delivery of the items I purchased. Even with this evidence, the credit card company, Citi, has sided with the merchant and closed my dispute. 

I have provided them with evidence I never received my items, the merchant provided a fake email address, the merchant never shipped out the goods, and my order is only showing as " processing '' on this day, XX/XX/2022. 

After some internet investigation, I have found this website to be FAKE! Many people have been scammed in the same fashion as me. They placed an order, made the payment, and never received the goods. This merchant website is XXXX but they operate under names such as " XXXX  '' and " XXXX XXXX. I have also provided evidence of this website engaging in scams in pictures I have attached. It is a link : XXXX XXXX XXXX  and the comments below the post is where everyone has been scammed like me. 

It is not fair that I found this website on XXXX, made a purchase, never received the goods, to dispute it with the Credit card company and they sided with the merchant even though the merchant had no evidence of shipment.
Product: Debt collection

Hello, I am so upset because I've done the hard work to get my credit score up and to utilize below 30 % of any of my cards, which is all o but one is XXXX  balance. I am very proud of myself! 
I received a letter about debt from DRS  ( I had never heard of them ) opened up the letter, and it stated I had a debt of over {$1800.00}, and if I did not respond by XX/XX/29, then it's assumed it was my debt. I called them and had to call back because I did not have the letter with me, but once I did, they had all of my information, old address, SS #, and my cell # from a check and go, which I have never sought any loan or money from ever! 

Instead of them waiting to see if it was me, they contacted all ( 3 ) credit bureaus, and I submitted disputes for two of them. today, XXXX stated that this would remain on my file due to DRS  having all my information, which this is not mine... I also had an entire criminal investigation. done by my new landlord because I had XXXX XXXX until my name and it was clear.
Product: Mortgage

Please provide me with a copy of that certain SunTrust Mortgage , Inc . Note dated XX/XX/2008 relating to property commonly known as XXXX XXXX XXXX XXXX XXXX, NC XXXX. Please accept this Qualified Written Request under the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ). Thank you, XXXX XXXX
Product: Debt or credit management

Experian is not reporting on my credit file this has been going on for a while. If I ask to speak to a supervisor, I am promised they will attend to my file nothing happens. My credit score keeps on going down, I have asked several times to update information, nothing happens.