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

After checking a copy of my consumer report, I noticed a clear violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
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. 

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


THE IRS CLEARLY DEFINES A CHARGE-OFF AS GROSS OR ORDINARY INCOME, DOES NOT GET REPORTED OR FURNISHED ON THE CONSUMER REPORT. INCOME DOES NOT GET REPORTED OR FURNISHED ON A CONSUMER REPORT BY DEFINITION. THE IRS CLEARLY SAYS A CANCELED DEBT OR CHARGE-OFF IS INCOME. THE REPORTING OF THIS ACCOUNT IS INACCURATE. 

IRS INSTRUCTIONS FOR DEBTOR.

Instructions for Debtor You received this form because a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more. If a creditor has discharged a debt you owed, you are required to include the discharged amount in your income, even if it is less than {$600.00}, on the Other income line of your Form 1040 or 1040-SR. However, you may not have to include all of the canceled debt in your income.
Product: Credit card or prepaid card

Capital One either failed to send a billing statement, or I failed to receive it. Once I noticed the problem, I called immediately, but they had already used the excuse to jack up the interest rate to 30 %, charge late fees, charge penalty interest, and otherwise attempt to extort the situation for all it is worth. They were unwilling to restore the original interest rate, even when confronted with the issue. It appears to me that they intentionally, as a standard business practice, will fail to send a bill, then use that excuse to jack up the interest rate to penalty rates on carried balances. 

Also, though I never made any attempts to change my online username and password, they claimed that the one I kept on file was no longer valid, preventing me from logging in to receive an accurate statement of account. In order to log back in, they seek invasive personal information with could be used to further phishing scams.
Product: Debt collection

I was contacted by CKS Financial Services, LLC, on Wednesday, XX/XX/2022, at XXXX CST. I filed a previous ticket against CKS Financial Services, LLC, for contacting me multiple times and I have not received any notification, information, or validation of debt/ debt dispute information in writing or anything by XXXX Mail . I have been contacted numerous times by their company. I have received nothing in writing indicating a debt is owed. The company will call and not leave voicemails as well. According to the Fair Debt Practices Collections Act as well as Texas Debt Collection Laws, I am supposed to be informed in writing within five ( 5 ) days since the initial attempt to collect a debt ; there has been more than eleven ( 11 ) days from the first ticket filed and there still has been no contact or writing submission for the debt in question. I have not received any notification by mail either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed is what Seedfi last reported as balance to bureaus XXXX ... And I also enclosed what is my correct balance owed XXXX I've called seedfi and they won't update balance. I filed a dispute with all three bureaus but seedfi claims my balance is XXXX.
Product: Debt collection

I receive many ( daily ) calls from all sorts of numbers all asking me to call XXXX. There are many complaints against this company called Collection Bureau of America found via a internet search of this phone number. They always leave a message. I do not have any debts that are in arrears. I own my home outright and all of my vehicles are paid off. 

I have not received any billing or notice that I have a debt outstanding. I believe these scammers are attempting to collect on a debt that has been paid. I will not respond to any phone solicitation in any matter. If this were related to a legitimate debt, they would have contacted me in writing.
Product: Credit card or prepaid card

I have numerous charges on my Capital One credit card from XX/XX/XXXX to current. I have contacted them numerous times to report fraud. They continue to send out new credit cards in my name to an address in California and to my address, without my consent. I have asked for my account to be closed and fraud to be investigated. They have advised it will take up to 90 days. In the meantime, someone is still using the Capital One account to charge items under my name. I have over {$940.00} just in XXXX alone for cell phones and school supplies. I am XXXX, I do not need school supplies or cell phone. They continue to charge on my Capital One account. I do not want to be responsible for these charges as I notified them the day I discovered, which was XX/XX/XXXX. To date, there is a total of {$1800.00} charged that I am aware of based on the statement I received int he mail today. I do not understand how someone continues to charge on my account when I have asked numerous times for this to be closed and reported fraud.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed there are some inaccurate addresses being reported, that need to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Re : XXXX Macy 's Store Card I CALLED TO FIND OUT IF CARD WAS GOOD, AND THEY SAID IT WAS GOOD. 
AT THE MACY 'S STORE IN XXXX XXXX, IT WAS DECLINED, AND THEY SAID IT WAS CLOSED A YEAR AGO. I WAS NEVER INFORMED ABOUT CLOSING THIS ACCOUNT, AND I WAS OWING NO MONEY, AND WHY DID THEY CLOSE IT? THIS WAS WRONG.
Product: Debt collection

National Credit Adjusters , LLC is reporting an account on my credit report that does not belong to me. I have formally requested validation of this account, including proof of my responsibility for the debt, but they have failed to respond to my request. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) Section 602 ( 15 U.S.C. 1681 ), a debt collector must provide verification of a debt upon request, and credit reporting agencies must ensure the maximum possible accuracy of the information they report. Without proper validation, this account should not be listed on my credit report.
Product: Debt collection

Consumer have been in dispute with FLAGSHIP regarding a debt that arised from a consumer credit transaction. Consumer requested documentary evidence from FLAGSHIP in which they have failed to provide. Since FLAGSHIP can not provide consumer with sufficient documentation to validate, FLAGSHIP are to cease collection activity per the Federal Law. On XX/XX/2022 Consumer sent FLAGSHIP An Affidavit Of Fact. FLAGSHIP has failed to rebut the affidavit of fact therefore this affidavit stands true.
Product: Debt collection

In XXXXXXXX XXXX I received a default judgment in small claims court on a case I was unaware of because I was never served. In other words, the Plaintiff and her process server never served me and fraudulently said they did. I found out about the case from Proficio Financial Services LLC, a debt collector. I filed a Motion to Vacate the default judgment in XX/XX/2024 and a Motion to Stay Execution of Judgment with the court todahy. I sent proof of these court filings along with my affidavit and ample evidence that I was never served to Proficio multiple times, starting in XXXX All debt collection attempts should therefore be suspended pending the adjudication of my motions by the judge. Yet Proficio Financial Services informed me today that they have reported this debt to the credit agencies. This is catastrophic since it will negatively impact my security clearance and therefore my livelihood. Proficio Financial Services should suspend all debt collection and reporting to the credit agencies until the judge has ruled on my motions to vacate, which prima facie evidence indicates he/she will rule in my favor since the evidence I have submitted to the court, which I have also provided to Proficio, is overwhelming
Product: Credit reporting, credit repair services, or other personal consumer reports

I SET OUT ON A JOURNEY TO REPAIR MY CREDIT AND ASK THE CREDIT BUREAUS TO MAKE SURE EVERYTHING WAS COMPLETE AND ACCURATE ACCORDING TO 15 USC 1681 i ( 5 ) I WAITED 60 DAYS RECEIVED MY INVESTIGATION AND NOTICED EVERYTHING WAS THE SAME .THE CONSUMER REPORTING AGENCIES WHICH IS EQUIFAX XXXX XXXX XXXX AND XXXX XXXX DID NOT MODIFY OR DELATE ANYTHING. 

THE DATE IS NOT CORRECT THE LAST ACTIVE DATE IS NOT CORRECT ON ALL 3 REPORTS.

WHICH IS A VIOLATION.THIS IS IMPACTING ME FROM MOVING FORWARD TO BUY A HOUSE FOR MY FAMILY. 

I ATTACHED MY PERVIOUS CREDIT REPORT AND MY NEW CREDIT REPORT TO SHOW HOW XXXX VOILATED MY RIGHTS.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payment in XX/XX/2020 on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have not ever not once been late on a payment for this account ( below ). 

Account name - XXXXXXXX XXXX Account number - XXXX ( XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( Equifax ) Please investigate and provide proof with statements, showing and verifying that I was late on this payment. If proof cant be provided a demand this payment be updated to on time as I was NEVER late to begin with. Thanks.
Product: Checking or savings account

On XX/XX/23, I did two ATM withdrawals back to back ( ATM XXXX XXXX XXXX XXXX XXXX CA XXXX ), one for {$800.00} and another for {$200.00}. The transactions deposited {$750.00} and {$150.00} back ( {$100.00} short ). When I saw that the bills being dispersed were crumpled in the machine, I counted and realized I was short {$100.00} total. There was a post-it note saying broken. I called my bank and they said they would process it, but I have just been rejected. This is unacceptable as the ATM was broken and my funds were not deposited.
Product: Credit card or prepaid card

XXXX XXXX, a XXXX XXXX company, charged us in XX/XX/2019 an extra amount of {$23000.00} dollars. They argue that this charge is for an overtime services. 
1.- The contract DON'T STIPULATED overtime charges.

2.- BANK OF AMERICA paid this amount WITHOUT an authorization even when the credit limit of the account didn't support this amount. 
We contacted the Bank and they favor the Merchant. 
We couldn't contact the merchant, they don't respond.
Product: Credit card or prepaid card

1. Got credit line XXXX. CareCredit/Synchorny Bank . I request XX/XX/2020 but unfortunately, they put a wrong address. I did not received any paper or statemen, we are under Pandemic situation and no payment should be honored in this frame of time. 
2. After a couple calls, I find my number and start to make payments XXXX, they send a statement with deferred interest charged for 18 months ... .. about {$610.00}. 
3. NOBODY never explain about DEFERRED interest will be charge in full if you do not pay in 18 months .... I only have 12 months pay the card.. 
4. They set up a lower payment ... $ XXXX every month .... This is deceitfulness?? They should be set up a equal payment the whole amount not the lower ( around $ XXXX every mouth ). 
5. I pay on time, my last balance was {$1800.00}, and for sure I agree to be charge for this amount of money, I think was around {$480.00} ... .. but not 6. I got a interest {$1300.00}, they said is 26 % .... but I don't know from what!! 
7. I contact costumer services, no explain about it, and no willing to negotiation at all. 
8. I had a previous credit line whit this company and they set up a equal payment for 1 year, no interest and I had not problem before.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, a mass data breach and my social security number was impacted along with XXXX XXXX US Citizens and victims. I am invoking 15 USC 1681 for my social security number being stolen and hacked for unusual purposes that prevented me from getting a home loan on XX/XX/year>. Ive been trying to get paperwork from the companies below to state my innocence but to no avail. Listed below are the private information exposed and used against me. Hence me invoking my right on 15 USC 1681. 

Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX XXXX XXXXXXXX XXXX XX/XX/year> Amount : {$97.00} Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XX/XX/year> Amount : {$230.00} US Department of Education XXXX XXXX XXXX : XX/XX/year> Amount : {$32000.00}
Product: Credit reporting

I have contacted Equifax regarding inquiries in my credit file. I informed them I did not authorize these inquiries instead of them removing them and trying to figure out who is being fradulent they just ignore the matter. The inquiries that I have for accounts established are mine everything else is unauthorized and should not be reported if not initiated by me. There are laws to protect me as a consumer and equifax is breaking the law by reporting inaccurate information. Please address this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are addresses on my report that should not be there. my Current Address is XXXX XXXX XXXX XXXX XXXX, Tx XXXX All Other Addresses Should be Removed
Product: Credit reporting or other personal consumer reports

I have sent in XXXX letters to Equifax, concerning inaccurate, unverified account, asking them to remove this collection, that I have witnessed on my credit report. I asked them to send me a copy of : The XXXX contract, XXXX history, Name and address of the original creditor, and Proof of collection authorization. According to the law, they are reporting under XXXX XXXX guidelines. These illegal practices don't line up with the FCRA and is also in violation of the XXXX XXXX COMPLIANT REPORTING. 15 USC Section 1692d, clearly states the law of these issues that Equifax are doing unlawful and fraudulently. 

XXXX XXXX XXXX FOR XXXX CABLE XM XX/XX/2023 2023
Product: Debt collection

On Calvary portfolio services stated that on XX/XX/year> an account was open with me with a balance of {$480.00} and I had no knowledge of that. And I have no contractual agreements with them at all.
Product: Credit reporting or other personal consumer reports

I have been dealing with the same issue with Amex since XXXX / XXXX when I enrolled in their financial program. I've made a payment being told it would be for XXXX and then the payment went thru XXXX. Thru multiple calls, that takes hours, I was given conflicting information and was always left with them saying they would " investigate '', took months to come to the conclusion that it was on me to fix the issue cause their system had no ways to make adjustment. So in XXXX they I've made THREE payments. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for {$65.00} each. That was to cover the XXXX payment ( they refunded the one I made in XXXX that was to go to XXXX and didnt ), the XXXX payment and the XXXX payment. That was supposed to put my account on track according to their directions. Yet, month after month they continue to report me as having a missed payment. Every time my credit refreshes, the missed payment moves to the last month... it's been 3 months that my account shows missed payment 30-59 days. No matter how many times I call and ask them, what do they want me to do to fix this?! They offer no solution other than say they will open an investigation, I never head back. and month after month, this continues to impact my credit negatively while I am making my payments as agreed. I have exhausted all the possibilities with them, I have spent countless hours on the phone. This has to come to an end. They must offer a resolution for this once and for all. This negative remark has to be fixed and the missing payment reports has to stop.
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  Account XXXX Account Name : XXXX XXXX Account 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 or other personal consumer reports

The company keeps reporting on my credit the account is closed the dates they cant report on my credit report and the account is closed also the dates the account was opened are different the dates the account was last active is different please remove this from my credit
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX I # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX XXXX  has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

I am writing in reference to the response received regarding Complaint XXXX. In your response, it is stated that I, XXXX XXXX, entered into a loan agreement on XX/XX/year>, agreeing to make 26 payments of {$67.00}. However, I want to reiterate that I have never entered into any agreement with Mariner Finance. Despite my requests, the company has failed to provide the original contract bearing my signature, a fundamental piece of evidence to substantiate such a claim. Moreover, I have explicitly asked for copies of my identification on file, including my ID and Social Security card, which are typically required for any legitimate financial transaction. To date, Mariner Finance has not presented any such documentation, further raising concerns about the legitimacy of this alleged debt. Despite my efforts to seek resolution and clarity, Mariner Finance continues to report this disputed debt to the credit reporting agencies. This ongoing disregard for my rights as a consumer and the lack of transparency in providing essential documentation are clear violations of the FCRA and potentially involve illegal and deceptive practices. Given the circumstances and the lack of cooperation in providing necessary documentation, I feel compelled to inform you that I will be proceeding with legal action against Mariner Finance to address these violations. I have diligently documented our interactions, and this letter serves as a formal notice of my intent to seek legal remedies. I urge Mariner Finance to reconsider its stance on this matter, provide the requested documentation promptly, and cease reporting the disputed debt to credit reporting agencies. I believe in fair and ethical business practices, and I trust that a resolution can be reached before escalating this matter further.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has added a fraud alert to my credit report without my requesting it. This is a violation of FCRA regulations. I do not understand how they feel this helps after the damage is done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX DOB : XX/XX/1969 XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ACCOUNT WAS PAID, BUT STILL REPORT TO MY CREDIT REPORT. 

XXXX. XXXX # XXXX - BALANCE OWE ON THIS ACCOUNTS IS " XXXX '' ACCOUNT SHOULD NOT BE REPORT ON MY CREDIT REPORT. 

XXXX. XXXX XXXX # XXXX - I OWE A BALANCE ON THIS ACCOUNTS BUT IT WAS PAID BEFORE I GOT SERVICE AGAIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.
Product: Credit reporting or other personal consumer reports

The persistent inclusion of this fraudulent accounts on my credit report is utterly unacceptable. It has inflicted substantial harm on my financial standing, making it exceedingly challenging to obtain credit, secure reasonable interest rates, and advance toward my financial objectives. Despite my persistent efforts to resolve this matter, these fraudulent accounts persistently undermine my creditworthiness and financial stability. It is incomprehensible that your agency has not taken prompt and decisive action to address this issue. Your agency 's failure to effectively address this matter not only violates the Fair Credit Reporting Act but also demonstrates a blatant disregard for consumer rights and well-being. 

XXXX XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 

Failure to take action will compel me to explore all available legal options to safeguard my rights and financial interests. This situation has caused me considerable distress, and I demand a swift resolution to bring an end to this egregious ordeal.