23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I previously disputed these accounts with Equifax. I let them know these accounts were not being reported accurately. According to the IRS when an account is charged-off its considered income, and according to the FCRA income can not be reported on a credit report. I requested a 1099 ( Cancellation of Debt ) from Equifax in regards to the following charged-off account listed below. These accounts can no longer be reported to my credit report. Not only does this violate my rights for the FCRA, this is also tax fraud on XXXX part. The accounts listed below need to be immediately removed from my credit report as they are reported inaccurately. 

I recently looked at an updated copy of my credit report and noticed several inaccuracies on the accounts I disputed. These accounts are hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate these accounts for me to ensure accuracy. Here are the accounts I am asking to be verified for accuracy : Account Name : XXXX XXXX, Account Number : XXXX XXXX, Charge-Off Date : XX/XX/XXXX ; Account Name : XXXX  XXXX, Account Number : XXXX XXXX, Charge-Off Date : XX/XX/XXXX ; Account Name : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX, Charge-Off Date : XX/XX/XXXX ; Account Name : XXXX XXXX, Account Number : XXXX XXXX XXXX Charge-Off Date : XX/XX/XXXX ; Account Name : XXXX XXXX XXXX, Account Number : XXXX XXXX, Charge-Off Date XXXX XX/XX/XXXX ; Account Name : XXXX XXXX XXXX, Account Number : XXXX XXXX, Charge-Off Date : XX/XX/XXXX ; These accounts have inaccuracies that are highly injurious to my credit score. In accordance to The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D. I am requesting the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation. 

Also, these accounts were charged off on the listed dates above. Since then the accounts have repeatedly been updated as charged off every month. This is an update in the payment history. A charged-off account should not include an active payment history according to the FCRA. This inaccurate information falsely manipulates the statute of limitations. Failure to investigate this account properly after I requested 2 times for it to be corrected and updated has violated my rights according to the FCRA. Therefore, I am demanding these accounts to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information in my credit report was incorrect when I looked into it. In accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Credit bureaus must authenticate this account. ( A ). Treating this reporting account as unverified information without presenting evidence within the allotted legal time frame is unacceptable. Both 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) are mentioned. ( A ), kindly look at the following unverified account : XXXXXXXX XXXX  XXXX Balance : {$1100.00}
Product: Mortgage

PNC - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Short Sale was started XX/XX/17 with PNC. PNC has been purposely delaying making a decision on this file and are therefore defrauding their investors and their clients. PNC has continuously asked for financial documentation from someone who is not on the loan. I have sent documentation to PNC that clearly shows the income from the borrower and this matches their paystubs exactly. PNC is rejecting these documents likely even deleting them. This has got to stop. It is illegal for PNC to request documentation from someone that is not on the loan. I have attached the documents to this complaint that we have submitted to PNC. The income clearly matches.
Product: Payday loan, title loan, or personal loan

I had an account with this company. I had a {$1000.00} line of credit attached to a card. It basically acted like a credit card. I moved to another state and tired to update my address. They refused to update my address. I was told that a supervisor had to call me. I was never contacted by the supervisor. I reached out again and the told me that they would have a supervisor reach out again. I never got that call. I then called and told them to just close the account if they are unwilling to do a simple task like updating my address. I was told my account would be closed within 24-48 hours. A few days later, I got two emails from the company. The first one said that my account had been closed, and the second one said that my account had been opened. I then reached out again and they told me that there was some error in their system, and that they would put in a request to have my account closed. I have continued to get statements for this account. I called them again, and they stated that the account is closed, but that they will be keeping my online account open for 5 years. The online account states that my card is still active. I don't this line of credit to be accessed by anyone, and the only way I can do it is to make sure that the account is actually fully closed out. I do not think that there should be an open account that is just floating around in cyberspace while they claimed that my line of credit is closed. It feels like identity theft waiting to happen.
Product: Payday loan, title loan, or personal loan

After telling Possible finance that I was XXXX XXXX XXXX XXXX, they reported negative information on my credit report without giving me written notice. It is illegal for a financial institution to furnish negative information to a consumer report without written notice. 

Duties of Financial Institutions When Reporting Negative Information. Financial institutions that furnish information to " nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ).

I tried to resolve the issue with them directly but they refused to comply with the law. This is a willful violation of the law and according to 15USC 1681n I am entitled to {$1000.00} for this.

Within 14 days, ( 1 ) delete this negative remark from my credit reports, ( 2 ) mail me a check in the amount of {$1000.00} for this willful violation to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX.
Product: Debt collection

Today I spoke with a representative from this company who called me out of my name, while then attempting to hang up on me before I asked to speak with her supervisor ; after which she transferred me to another department instead of her supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX and XXXX and XXXX of XXXX, I sent a package to Transunion and XXXX and XXXX indicating that this account wasn't mine and the Attorney who is Representing XXXX XXXX is Lying about the amount that is claiming to be owed. I never received a response about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a notarized Affidavit to TransUnion via certified mail and have not been notified that a investigation has been started and or is in process.
Product: Student loan

Mohela refuse to acknowledge that I am owed a student loan payment refund under Borrowers Defense Sweet XXXX XXXX XXXX XXXX Mohela has not sent me a financial report regarding my BD refund. My loans were discharged by Mohela on XXXX. Mohela has yet to send the refund of all the payments I made on my federal loans to include being refunded the interest. Mohela has also made mistakes on my credit report. I have disputed my credit report more than three times. The student loan tradelines are supposed to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report per XXXX. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX XXXX XXXX XXXX, on XX/XX/2020, XXXX XXXX and WELLS FARGO DEALER S add a hard inquiry. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove are hurting my ability to obtain credit. 

XXXX XXXX XXXX Date XX/XX/ {$300.00} XXXX XXXX XXXX Date : XX/XX/ {$3100.00}
Product: Money transfer, virtual currency, or money service

This is in response to complaint number XXXX and in responding to XXXX XXXX XXXX The notion that I gave Wise an incorrect swift is wrong. The swift I provided to Wise is the correct and valid swift for the recipient account. The intermediary and partner bank that was used on this transaction are totally from wise and I had nothing to do with it. To clarify, on the MT103 given to me, Wise sent the money to XXXX XXXX and XXXX XXXX sent the funds to a XXXX XXXX  in XXXX. This information is based on there MT 103. Wise can not claim I used a wrong swift. What I have told them is that on giving the MT103 to my recipient bank. They told me the Intermediary bank used by by wise isnt a bank they use at all ( XXXX ) so there is no way the money would come to them. This I explained to wise before I made a recall. The recall is more than 15 stipulated day they have committed to and yet I am still waiting to receive this funds. I am personally not interested in what Wise has to offer. I maintain that the money never got to my recipient bank and I even did a screen shot of the bank account of the recipient and sent it to them to see, which again was never addressed in their response to me .All I have requested is to get back my funds to save me all this headache
Product: Checking or savings account

The bank block my account from receiving XXXX transaction for no reason this is the only way I can get money into my account in minutes. And the turn it off without notifying me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter to XXXX, XXXX, and experian in reference to incorrect information being reported on my report. I have not gotten a response from XXXX or transunion. Experian responded back and refused to reinvestigate the incorrect information in my report. I have sent method of verification letters to them as well as factual dispute letters. Furthermore they have failed to respond in the appropriate allocated to them under the FCRA. There was charge off on my XXXX  XXXX auto finance account. The date of first delinquency was XX/XX/XXXX. The account has not only been reaged which is illegal but been completed altered so that the CO isnt reflective. XX/XX/XXXX makes 7 years from the date of first delinquency therefore this account should not be reporting at all. It is the bureaus responsibility to report accurate information.
Product: Mortgage

The loan process was a disaster and took almost two months. I was told numerous times they didn't do certain things with the courts in response to getting a letters stating that my account was current, only to forward them the emails from the courts saying they just 10 minutes ago did it with the same company. Had i not been persistent we wouldn't have ever gotten to the close. Horrible service. I closed over two weeks ago and based on our contract that we both signed the loan was supposed to be paid off to my current mortgage company by the XXXX. It is now the XXXX and i just called and sat on hold with rocket mortgage for over an hour and a half with no answer. I called them back only to find out they aren't open anymore. I have accrued interest during this period and I had to call them once i realized the issue. How they miss not paying off my loan but create and account for me to pay is beyond me. DONT EVER USE ROCKET MORTGAGE!
Product: Credit card or prepaid card

American Express withdrew {$2900.00} from my XXXX XXXX XXXX account erroneously, they said they did so in error and confused my account with a different account holder. Did not tell me about this until I saw a credit appear just now in my AmEx account ( they illegally withdrew it from the bank and put it on the card ) and I started asking questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first issue is the the representative whom I spoke with to secure the loan misrepresented the insurance product that they offered. He explained to me that in the event of loss of employment the insurance would pay off my loan for me. Well that did not happen unfortunately I was laid off XXXX XXXX and this insurance product that the Mariner representative sold me on did not pay off my loan. I am requesting that the insurance product they are selling be investigate and properly marketed to consumers with the correct information ... ... ..The insurance will only pay for 3 payments in the event of lose of employment. I am asking they my pay my loan in full as this is how it was advertised to me when sold. 
My second issue is that the insurance company paid mariner finance for my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Payment however Mariner is reporting these as late payments on my credit report. I would like to these late payments immediately removed from my credit report. I have attached the information and emails from the insurance company stating they made the payments directly to Mariner Finance so why are they reporting them as late payment. 

Sincerely XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXXXXXX Balance : {$1800.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$73.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX sold my loan to Ocwen Loan Services , LLC and ever since they have had my loan I have nothing but issues. I do n't get monthly statements, I ca n't understand my customer service rep., I never get a call back if I leave a message, I have to call back multiple times if I requested documentation, the IRS forgave {$50000.00} off of my mortgage and I found out 3 months later from this company.
Product: Credit card or prepaid card

I have called Capital One TWICE to close my business credit card account and they have dropped the ball both times. Each time they read me a disclosure letting me know that no further charges would be allowed on the account. The first time I called, I did not take notes or record the date and time, since I had no reason to believe my request would not be honored. It never happened. The account was never closed and charges from former business vendors were still hitting the account. 

So, I called again, this time taking notes on all the details of my request for closure. I made the request by phone on XX/XX/XXXX @ XXXX. The rep I spoke to assured me the account would be closed immediately, apologizing profusely that it didn't occur before. She read me a disclosure to inform me that no further charges would be permitted on the account after XX/XX/XXXX and I would be getting a final bill. Imagine my shock when I learned today that they, once again, allowed several " auto pay '' charges to go through after my request for closure a SECOND time. 

I informed Capital One that I would not be paying the bill for their ongoing incompetence. I am requesting a credit to may account of {$98.00} ( XXXX XXXX- {$79.00}, XXXX- {$16.00}, XXXX {$2.00} ). They claim to have recordings of all customer service calls, so they can easily go back and listen to my very clear request for closure twice, the second time on XX/XX/XXXX @ XXXX. 

XXXX XXXX # XXXX further informed me today XX/XX/XXXX that they have no process in place to email a confirmation of account closure in real time ( unbelievable ). That I will have to wait 7-10 business days to get a snail mail letter confirming closure... ..in which time, if they didn't close my account for this third time, further charges will accrue. 

Capital One is the the new XXXX. " You can check out anytime you like, but you can never leave. '' Please follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this information on my credit report for several months. I have been BEYOND UNSUCCESSFUL in my attempts via phone or certified mail disputes and/or upload on line. 

I have attached that the information continues to verified to which I have attached supporting documents, disputing verification. I have also asked for the method of verification to which I continue to obtain the same verified response. Therefore I am reaching out to CFPB for intervention and a investigation as this is greatly hindering me in moving forward with I need to do for my family with regards to the INACCUARTE REPORTING. 

Based on the information reported on Transunion website, they report that TransUnion reports public record items from local, state and federal courts and other public record sources. If your TransUnion credit report contains a public record item, you may be required to explain it to potential creditors, employers and insurers. Generally, TransUnion retains third-party vendors to collect this public record information and transmit it to TransUnion for inclusion on consumer credit reports. 

Beginning in XX/XX/XXXX and continuing through XX/XX/XXXX, as a result of our implementation of enhanced standards for the collection and timely updating of public record data included in consumer credit reports as part of the National Consumer Assistance Plan ( NCAP ) and as part of a lawsuit settlement, TransUnion agreed to stop reporting civil judgments, state tax liens and federal tax liens on credit reports and will not resume reporting these public record items on credit reports until XX/XX/XXXX, at the earliest. For additional information about the settlement, please visit XXXX TransUnion continues to report bankruptcy public records on credit reports. For bankruptcy public records collected through XX/XX/XXXX, TransUnion obtained information about your bankruptcy from third-party vendor, XXXX. XXXX may be contacted using the information provided below. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX https : //transunionconsumers.lexisnexis.com/ I have contacted XXXX and they are not reporting said bankruptcy that is " verified through a third-party '' per Transunion as the bankruptcy was removed due to fraud as you will see in the attached supporting documents. I have also reported this information to the FTC, XXXX and Attorney General 's Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reporting on Equifax and experian reports payment history is inaccurate. Currently Garnishment twice a month as well as voluntary payments being made.
Product: Mortgage

In XX/XX/XXXX my husband died unexpected at the age of XXXX, the same time Owcen who was servicing our loan was than sold to Phh Servcing. I informed them of his death and in XXXX of XXXX they took him to court and proceeded forcloure on the property, i had to provided proof that i was his wife to become successorship with which the awarded in XX/XX/XXXX to recant it XX/XX/XXXX and than they award it again in XX/XX/XXXX when covid began they than would keep me in modifications every three months stating they never recieved my documentations, as i would continue to send back they would ask me again for the same paperwork, when i would call to speak to my relationship manager that i was assigned to i would have to wait 3 weeks or more for a call back never able to reslove any issues for they kept the cycle of failed converstations with different realtionship managers never the one assigned to me. 2 years in and i still am fighting with them about recyled paperwork as well as not awarding me successorship till this day ... this company has already been sued by the Attorney General of my state of NJ in XXXX for the same pratices. please help me save my home from another agency that is not part of the solution of homelessness... Concerned Widow
Product: Credit card

SYNCHRONY Bank/Amazon I place an order with XXXX in XXXX, I returned the defective item XXXX XXXX, Amazon received the item on XXXX XXXX but never issued a refund to my credit card. I called the card company today wanting to dispute the charge the bank told me they wo n't do the dispute and to call Amazon. Today I have been on phone with the bank and they said call amazon. I was on with Amazon they said call Synchrony bank. This happened about XXXX times today. I did close my account with this bank behind this issue. I paid the all the bill except {$53.00} the amount of the credit I am due.
Product: Credit card or prepaid card

Capital One Bank- In earlyXX/XX/XXXX I wanted to pay balance on my card as I do every month. I called the bank but was put on hold for 2 hours. I also emailed the bank. But received no reply. Concerned that if the card was lost or stolen I would not be able to notify Capital One I decided to close the account. 
After several days of calling I finally reached a live person & closed the account. 
OnXX/XX/XXXX I sent a check for the balance. On XX/XX/XXXX I received a statement for the balance plus interest. I called my bank & was told the check had not cleared. 
I called Capital one & ask to be connected to Fraud Division. The 1st person I spoke to disconnected me. I called back twice & was put on indefinite hold. 

I believe Capital One is holding my check in order to keep the account open & collect additional interest payments. 
I am a Senior Citizen with health issues. Capital One is causing me additional stress which is affecting my health.
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 XXXX - DATE OPENED XX/XX/year>
Product: Student loan

On XXXX XXXX, I went to studentloans.gov to consolidate my loan. XXXX XXXX has already submitted the XXXX to XXXX and that loan has been consolidated. However, ACS Education is refusing to provide the XXXX ; therefore delaying the consolidation. It is supposed to take 30 days, and it has been way longer than that. This consolidation is necessary as it affects my debt to income ratio for qualifying for a mortgage. I am unable to get approved for a mortgage until they do. Is there anything that you can do to help me expedite this request.