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

Experian As Defined by The IRS account : XXXX XXXX Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

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 your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says you XXXX company are a furnisher of information to a consumer reporting agency. 

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have constantly reached out to Experian to get my information updated correctly and Experian constantly sends me letters with the excuse that I am not a real person and I have not requested the recent changes. Via the CFPB I wish to have inaccurate addresses removed as they do not pertain to me in any way.
Product: Debt collection

On XXXX XXXX  XXXX XXXX XXXX, midland credit management open up a collections for the amount of XXXX XXXX XXXX XXXX XXXX XXXX dollars period I have never opened an account with this company.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Account- XXXX XXXX XXXX XXXXXX/XX/2022 $ XXXX Inquiry- XXXXXXXX XXXX XX/XX/2022 inquiry- XXXX XXXX XXXX XX/XX/2022 inquiry- XXXXXXXX XXXX XXXX XXXXXX/XX/2022 account- XXXX XXXX XXXX  account- XXXX XXXX  XX/XX/2022 {$140.00} Account- XXXX XXXX XXXX XX/XX/2022 {$390.00} inquiry- XXXX XXXX XX/XX/2022 The above referenced accounts/inquiries were not authorized by me. Ive contacted companies in regards to the misinformation and given them 30days to comply. The companies who did comply are not list and they have removed any false info from my report.
Product: Checking or savings account

I opened checking account and enrolled in the Truist One Checking {$400.00} Offer XXXX XXXX XXXX at a Truist branch on XX/XX/XXXX. At that time I received an email saying " Thank you for enrolling in the Truist Truist One Checking {$400.00} Offer XXXX XXXX. Your enrollment is currently being reviewed to verify eligibility. Once we verify eligibility, you will receive an email confirmation within 7 - 10 business days. '' But after about one week before I made any direct deposit, I received such an email : " During our final review, we noticed that you did not meet all qualification requirements of the offer, therefore, the reward will not be processed. '' In their website it shows " The checking account must be in good standing with a balance equal to or greater than {$0.00} at the time of qualification. The account was checked for qualification the week of XX/XX/XXXX. '' But at time I didn't enroll in the offer successfully so I don't think they need to check this part.
Product: Credit card or prepaid card

My XXXXXXXX XXXX XXXXXXXX XXXX XXXX card expired in XX/XX/21. I called the customer service line several times a day for a replacement card over the next week and waited on hold, with no answer for 30 minutes or more. I finally gave up and tried to close the account. Again I had to call customer service with no answer. Ive stopped using the XXXX account and switched to XXXX. Now the IRS has deposited money in the XXXX account and I cant access it. Ive been on hold several times with customer service throughout the day for 30 minutes or more and NO ANSWER!
Product: Debt collection

Diversified Consultants is reporting on my XXXX, XXXX , & XXXX credit reports that I owe them {$470.00} for a collection. I've never done business with this company, nor have I ever signed a contract with them. I've contacted them & asked that they produce documentation & was told that they don't have any documentation. This company is hurting & ruining my credit worthiness with their deceptive practices. Are they even legally licensed in my state to try & collect on false debts?
Product: Credit reporting or other personal consumer reports

Equifax is showing one thing XXXX and XXXX is showing another Ive ask Equifax to correct or remove it never heard back from them nor was it corrected. Please help
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this evening, and I have no idea why theyre there. I routinely check my credit report, but this time, unexpected discrepancies appeared out of nowhere. I even tried refreshing the browser, hoping it was just a glitch, but nothing changedthe inquiries remained. Because of this, I urgently request that the documents I've submitted be thoroughly reviewed to prevent this from ever happening again.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1601 is part of the Truth in Lending Act ( TILA ), also known as Title I of the Consumer Credit Protection Act. It contains congressional findings and a declaration of purpose for the subchapter, which is to : Ensure consumers can compare credit terms and avoid uninformed credit use Protect consumers from unfair and inaccurate credit billing and credit card practices Strengthen competition among financial institutions and other firms Enhance economic stabilization Acct # XXXX, XXXX Acct # XXXX I want to dispute and delete this off my credit report.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX : {$29000.00}.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and see that I have a balance on a loan for XXXX XXXX XXXX self lender and I called them and have never done business with them. I am not sure why I have this on my credit report. I have never done business with them.
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 accounts 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX
Product: Student loan

I was approved for Borrowers Defense against my College. 

I can't get anyone on the phone to answer ANY questions. Both Navient and the Dept of Education bounce any blame for the delays on my refund and the cancelation of my loans between each other.
Product: Credit reporting or other personal consumer reports

I have submitted a complaint with you all regarding this company on the XXXX and today they have already updated my dispute. But i see they havent responded to yall about my complaint yet. They verified it as accurate. And still has not sent their method of verification Ive asked for over 45 days ago. They are reporting unverified accounts as accurate and wont show how they came to this conclusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -US DEPT ED 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am in the process of purchasing a home. My debt to income ratio is significantly high because of these student loan accounts. I reached out to XXXX XXXX XXXX for them to verify the information and nothing has been done and i need to close on my home within XXXX  days. Please help to have them remove ALL STUDENT LOAN ACCOUNTS as this is false & inaccurate information that should not be reporting according to the FRCA.
Product: Credit card or prepaid card

Purchase made XXXX XXXX 2017. 
Terms of the purchase were not fulfilled by the merchant [ name redacted ]. I contacted the merchant and asked for an invoice -- he never sent one -- or proof that he had fulfilled some part of the terms of purchase. He did not do so.
The purchase I made was not delivered, so I am requesting charges be reversed. I sent a letter from another similar merchant ( attached, ) stating that this merchant 's behavior was not standard, not ethical and that charges should be reversed. Chase had requested this letter from me.
Only response from Chase was " we called the merchant. We 're not reversing charges. '' Did not justify this position. Did not address anything in the letter I sent from the other merchant. Did not say why they believed the merchant [ name redacted ] was justified in the charges or what they discussed with merchant [ name redacted ] that contradicted my letter from other merchant.
The letter from Chase informing me of their non-action was sent by XXXX XXXX XXXX. 
I also have a Chase bank account and Chase private client member and this customer service is unacceptable and substandard.
Product: Debt collection

Credit Control LLC must cease all communication with me on Fraudulent accounts associated with Identity Theft and Fraud at XXXX  XXXX XXXX. 

XXXX  XXXX XXXX XXXX XXXX has been persistently contacting me regarding payments for accounts that are known to be fraudulent and linked to identity theft crimes. The accounts ending in XXXX and XXXX have been adversely affected by these criminal activities, and XXXX  XXXX XXXX lacks the legal authority to pursue collections on these fraudulent accounts. The bank has played a direct role in facilitating and perpetuating fraud against me and my XXXX-owned businesses. 
These actions constitute hate crimes perpetrated by XXXX white nationalists employed by the bank, who are operating under false pretenses. I request that XXXX  XXXX XXXX and their XXXX collection agency, Credit Control LLC, cease all communication with me. Since XX/XX/2018, employees and executives of XXXX  XXXX XXXX have subjected me to harassment. My accounts and credit have suffered due to internal fraud at the bank, which appears to be the result of a coordinated effort by XXXX white nationalists who were permitted to open over XXXX fraudulent credit cards and accounts in my name. These accounts were managed unlawfully by individuals impersonating me and my XXXX XXXX 
This situation represents aggravated identity theft, and I have reported these crimes to the police, FBI, and the Consumer Financial Protection Bureau. The illegal actions taken by XXXX  XXXX XXXX employees and agents include, but are not limited to : XXXX ) Illegally depositing and withdrawing funds in my name XXXX ) Illegally managing and depositing XXXX loans in my name XXXX ) Illegally applying for credit in my name XXXX ) Illegally opening and closing bank accounts in my name XXXX ) Forging signatures and bank XXXX XXXX ) Violating FDIC regulations, including the failure to disclose bank records, XXXX, and wire transactions to me, the account owner. 

-- Credit Control LLC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX declined to disclose the Account Number ( XXXX ) or any information pertaining to the alleged debt. It is important to note that this agency does not possess the legal authority to obtain or utilize my Personal or Business details. Their communication seemed to be solely aimed at harassing me on behalf of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and coercively pressuring me into making payments for accounts that have already been legally reported and associated with illegal activity, identity theft, and fraud. 

As per the guidelines set by the Federal Trade Commission, it is against the law for a XXXX XXXX to reach out to me regarding such debts. I kindly request that all communication from them be halted immediately to ensure compliance with the regulations in place.
Product: Credit card

It's a XXXX credit card account. It's a general retail store. I opened an account with them some years ago and whenever I would make a payment, it was withheld until the due date passed so a late fee balance could be incurred on my account.
Product: Credit reporting

I have twice filed complaints with TransUnion regarding my credit report [ This after attempting to get a resolution with the " creditor '' in dispute, XXXX XXXX XXXX ], and I can not seem to get them to understand that the credit line is not mine. My ex-wife and I divorced in 2013. She took the XXXX ; I took the XXXX. Our Divorce Decree/Property Settlement states that she took responsibility for the XXXX and that I took responsibility for the XXXX. This is a court ordered settlement. TransUnion first said that the account was indeed in my name at the outset of the loan. That fact was never in dispute. I twice sent them a copy of the property settlement -- a legal document -- and they still will not correct it. The last person to whom I spoke said that TransUnion does not accept a court order as proof that the vehicle was not mine. So I now have a Trans Union employee informing me that TransUnion is not subject to the laws of a state in which it operates. Please do inform TransUnion that it is indeed subject to state laws, and that the property settlement which I twice supplied them DOES indeed mean that the loan in question was not mine and that they ARE required by law to remove it from my credit report. 
Thank you
Product: Credit reporting

I need to check my son and daughter 's credit reports to make sure there is n't any fraudulent activity. They 're XXXX years old and XXXX year old. We had received a letter from XXXX saying that their system was hacked ( a few months ago ) and that our personal data may have been compromised and I totally forgot about it until now. I just want to check their reports and make sure everything is okay. Thank you so much!
Product: Prepaid card

On XXXX XXXX, 2015 I should have received my direct deposit from my employer to my Rushcard account and I did not receive it. I tried to access my account through my mobile app and I got locked out. I called the customer service and every call I got two different types of responses. One response is that I have an available balance but it was from XXXX XXXX, 2015 not the previous pay period on XXXX XXXX, 2015. The second response is that they 're sorry but they ca n't access my account and I 'll be directed to an customer service representative and the phone would hang up on me. I also noticed it is XXXX different female voice operators. Numerous times the phone hung up on me and I only spoke to XXXX representative XXXX separate times and when they told me the issue and said they were going to resolve my account issue they had me on hold for over and hour and when I would call back the phone hangs up before it can even ring or the holding music plays. I called again on XXXX XXXX, 2015 and spoke with a representative on how can I have them send the deposit back to my employer and I got put on hold for almost over XXXX minutes. I see I 'm still apart of the ones whose account issues did not get resolved and it 's holding me up from paying rent, bills, food, gas and other necessities. Mind you it has been over two weeks now and I still have n't got an email, text or anything in the mail about the issue or contacted about how they apologize for the action and how they were going to resolve the issue. Very unprofessional and I feel like I 'm being scammed and I want everything owed back to me and I want to close my account with Rushcard and I do not want them to have any of my information no longer nor conduct any business with them because this is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt to correct this issue through CFPB. Each time Im told by watermark that theyve corrected the error but the issue is STILL not fixed. Ive contacted them directly since XX/XX/2022 several times with no resolve which is why I turned to CFPB. My mortgage was transferred to watermark in XX/XX/2022 it was supposed to take 60 days for credit reporting to update. It did update on XXXX and XXXX but NOT on XXXX. The first CFPB complaint watermark stated they contacted XXXX and it would report in 30 days, 30 days passed and no update. I submitted a second complaint with CFPB, watermark responded it can take 60 days this time. This is my third complaint through CFPB, Im hoping this time they will FINALLY resolve the issue and have my mortgage report to XXXX
Product: Checking or savings account

I have a regular checking account with Bank of America. I have not had direct deposit set up for at least six months, while I've been working part time. ( I should have direct deposit set up again shortly as I'm back to full time employment ). 

I just pulled up my checking account balance with B of A. I was expecting it be about {$120.00} since I am due to be paid tomorrow and have been dealing with some relocating expenses, meaning I've keeping a very low balance. I was very surprised to see that a {$12.00} maintenance fee had been assessed. Per my account agreement ( e-Checking ) this fee which I thought was {$8.00} but may have changed over the years, can be assessed when I don't have an active direct deposit and when my balance is less than {$1500.00} daily. But neither of those have been true for months, and the maintenance fee had not been assessed. I have to believe that the only reason the fee was triggered this time was because my checking balance was so low. An attempt by B of A to overdraft my account which means even more fees in the near future.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion failed to provide documents as requested to verify the accounts being reported. They did not send me any documentation bearing my signature or documentation on how they verified the accounts, or who they verified the accounts with and again DID NOT PROVIDE ME WITH ANY DOCUMENTS confirming the validity of the accounts.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Equifax 's Violation of My Consumer Rights Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax regarding their handling of my credit file, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ).

In applying for a HELCO I discovered that Equifax placed a block on my credit report without providing any prior notice or explanation. When I contacted them to request the removal of the block, I was subjected to a series of questions regarding information from over 10 to 15 years ago, which I could not accurately recall. As a result, Equifax refused to lift the block, despite my attempts to verify my identity and resolve the situation.

This situation has left me unable to access my credit report, which I believe violates my rights as a consumer. Specifically, I believe the following rights have been infringed : Right to Access My Credit Report : Equifax has blocked my ability to access my credit file without providing a valid reason or clear communication.

Right to Be Informed : I was not informed of the block or the reason behind it, which is required under the FCRA.

Unreasonable Identity Verification Procedures : The questions Equifax asked to verify my identity were unreasonable, relating to events from over a decade ago that I could not recall.

I kindly request your assistance in investigating this matter and enforcing my rights under the FCRA. I would appreciate any guidance or intervention that the CFPB can provide to resolve this issue. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX