23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Re : XXXX Dear Capital One : The following account was charged off by Capital One on XX/XX/year>. I wish to save us both some time and effort by settling this debt. 
Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 
I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. 
I am willing to pay 10 % of the {$1000.00} as settlement for this debt in return for your agreement to remove all information regarding this debt from the credit reporting agencies within ten calendar days of payment. If you agree to the terms, I will send certified payment in the amount of {$100.00} payable to Capital One in exchange to have all information related to this debt removed from all of my credit files. 
If you accept this offer, you also agree not to discuss the offer with any third-party, excluding the original creditor. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of Capital One. The letter will be treated as a contract and subject to the laws of my state. 
As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. If I do not receive your postmarked response within 15 days, I will withdraw the offer and request full verification of this debt. 
Please forward your agreement to the address listed above. 
Sincerely
Product: Mortgage

I am submitting a follow up complaint. After deception regarding a forbearance Wells Fargo then stalled the process when I was able to pay off the entire balance as of XX/XX/XXXX. They finally ( thru their lawyers ) submitted an offer to end it ( Attached ). I wired the payoff ( Attached ). It is now XX/XX/XXXX and they send a letter saying they " expect to complete our work by XX/XX/XXXX ''. They also say they may charge their " loss '' to us as taxable income to us. I argue they had no loss until they began refusing to accept our money and continued to drag out the payment acceptance. They ignore my requests to be contacted via email. They only call, leave a message, and can not be reached. I requested email in order to have documentation as I have learned that what they tell me on the phone is not what is what their intentions are.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX account was deleted from my Equifax credit profile in XXXX and was inserted back into my file on XXXX. This is not right it was deleted because of fraud and i have sent a police report, FTC report, ID, ssc, and proof of residence. Equifax has clearly violated my fair credit reporting rights. The company never responded to the request and i have sent a letter from XXXX XXXX Equifax XXXX XXXX XXXX  have recently contacted a consumer lawyer to sue Equifax for damages for credit denials.
Product: Debt collection

Discover Bank XX/XX/XXXX I sent a Notice of Adequate Assurance of Due Performance, Personal Affidavit, Bank Affidavit. I received a bill and a templated response. 

XX/XX/XXXX On XX/XX/XXXX Discover Bank sent a person to serve me a FAKE civil court summons. They did not serve me directly they served my brother. A statement of this incident of harassment has been attached in the pdf. 

XX/XX/XXXX I sent a Notice of Default and Opportunity to Cure. I received a templated response. 

XX/XX/XXXX I sent a Verification of Debt Letter. I received a bill and a templated response. 

XX/XX/XXXX I sent a Notice of Pending Litigation. I received a bill and a templated response. 

XX/XX/XXXX I sent a Notice of Pending Litigation. I received a bill that was said to validate NOT VERIFY the debt. 

XX/XX/XXXX I sent a request for a Method of Verification. I received a bill and a templated response. 

The inaccuracies are as follows : DISCOVER BANK The reporting across all the agencies is inconsistent. 
The charge-off date has been reported month over month which has left an inaccurate Date of Last Activity. 
Not verified debt.
Product: Credit reporting or other personal consumer reports

Dear Equifax, This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I had student loans that I defaulted on. I was rehabbing the loans as of XXXX with Credit Adjustments , Inc. as the servicer. When the pandemic hit in XXXX, there was a freeze on all student loan payments. The federal government also gave a " fresh start '' to all student loans. ( See : XXXX XXXX XXXX ) " This includes allowing all borrowers with paused loans to receive a fresh start on repayment by eliminating the impact of delinquency and default and allowing them to reenter repayment in good standing. '' Despite this, the servicer continued to report the loans as " In Collections '' with derogatory reports to all credit reporting agencies during XXXX, XXXX, and XXXX. In XXXX, I consolidated my loans, but the old loan accounts from the Dept of Education still show derogatory marks for the time during the XXXX pause. 

I've been unable to get anything done by the Dept of Ed or any other agency, as I just want the derogatory credit remarks removed from my reports. The credit reporting bureaus are aware of the loan repayment pause and should not have been reporting derogatory marks onto student loans accounts during this time. 

Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent my item and never got my payment. I 've waited 2 months and my payment never was received I 've been robbed!
Product: Checking or savings account

I had OOP protection and have been charged overdraft fees that should not have been and my account reflecting one balance and then going negative after the charge clears
Product: Money transfer, virtual currency, or money service

I was doing a trade for a copy of XXXX XXXX, my end was 6 different bots + {$150.00}. 
I had paid him and then he proceeded to block my account and I couldn't message him or do anything at all. I called PayPal, and set up a dispute, but they refused to let me have my money back. I paid him pretty much for nothing. It's a scam because he blocked me and hasn't talked to me for the past couple of hours even after I gave him my end of the deal.
Product: Mortgage

XXXX XXXX XXXX originated alone on a property that I purchased 2 years ago. The loan had auto pay set up for every month 's payment and everything was fine. 

Apparently in XXXX Flagstar Bank, a wholely owned subsidiary of New York Community Bank, purchased that loan and became the servicer of the loan. Without my consent or knowledge they removed the auto pay feature from the loan and did not tell me. 

I then went on a XXXX month trip to XXXX, in the interim they did not accept the auto pay arrangement payment and then let my loan go into default because the payments had not been made. 

When I return from XXXX XXXX months later I found their actions and immediately made the payments and requested the loan to be put on auto pay. I also requested they remove any negative information on my credit report. 

Flagstar Bank refuse my request to have the loan put on auto pay when I called in. They also refuse my request to remove negative information they reported to the credit bureaus.
Product: Credit reporting or other personal consumer reports

Charge offs are considered income and should not be reported on my credit report according to XXXX XXXX XXXX ( XXXX ) and the IRS publication XXXX and XXXX XXXX XXXX. By definition the IRS clearly says a CANCELED DEBT or CHARGE OFF is considered INCOME. The Reporting of this account as a debt is INACCURATE and Unlawful INCOME is a certificate of INDEBTNESS, and the IRS treats the forgiven debt as income. 

XXXX XXXX XXXX XXXX XXXX XXXX are charge off accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX are CANCELED DEBTS, that I have received copy b of my XXXX form.
Product: Credit reporting or other personal consumer reports

I have disputed and was approved for the account to be removed from my credit report and it still has not been removed
Product: Student loan

Navient student loan company has been calling me XXXX 4 times a day regarding a loan I co-signed for someone. It 's very irritating. They call with different phone no. 's
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent a letter off on XX/XX/202 to remove personal information that I do not want on my credit report. My tracking numbers are XXXX, XXXX, and XXXX. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information with third-party companies. These are clear violations of my federally protected consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act JPMCB AUTO Account # XXXX, has violated my rights. 

15 U.S.C 1681 sections 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. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Credit report ( XXXX, & XXXX ). The credit report showed several credit inquiry from syncb by your company that I absolutely ( DID NOT AUTHORIZE ). I understand that you shouldnt be allowed to put an inquiry on my report unless authorized to do so. 
I have an alert that when credit is authorized, that I am to be called via phone. I had contacted the company to request an investigation which has yielded no reponse or action initiated. I requested any and all photo identification and signature submitted to the company, yet no response or investigation. I did not apply for credit with this company. 
XXXX XXXX, FL XXXX ( XXXX ) XXXX Creditor Contact Details SYNCB/CARE CREDIT XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX {$0.00} XXXX  / XXXX {$0.00} XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$1500.00}
Product: Credit reporting or other personal consumer reports

Th credit Bureaus is in clear violation of the law. Under 15 USC S1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX  Inquired on XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report that I am a victim of identity fraud. As a result, there are unauthorized inquiries on my credit report that I need to have removed. Additionally, there are incorrect addresses associated with my file. 

I seeking for help I also send letters to three credit bureaus but I never recieve any response from them. Please delete the following incorrect addreses and unauthorized Inquiries. 

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 XXXXXXXX I kindly request your assistance in correcting these issues to restore my credit profile. 

Thank you for your attention to this matter.
Product: Credit card

I filed for bankruptcy ( Ch. XXXX ) on XXXX XXXX, 2015. I listed Synchrony Bank Master Card as a debtor. The bank did not appear at any Trustee meetings. The bankruptcy was discharged in XXXX, 2015. Despite my filing for bankruptcy, I have continued to receive statements, the account has continued to accrue interest and other fees for nonpayment. I have informed Synchrony Bank on XXXX separate occasions that I should not be receiving statements or interest and fees charges, but they continue to send their invoices. Today, I called again, and although the debt has been discharged in bankruptcy court, the bank refuses to acknowledge the discharge, and I have no doubt I will continue to receive bills from them.
Product: Credit reporting or other personal consumer reports

I initiated the Bofa autopayment process after carefully following the app 's demo instructions. The demo indicated that the necessary steps, including adding a payee, were completed, giving me the impression that everything was set up for my upcoming payment. To my surprise, my credit score dropped by XXXX points, citing a missed payment attributed to bofa. Upon investigating, I discovered that although I had added the payee as indicated in the demo, the payment had not gone through. 

Assuming that the autopayment system was reliable based on the completed demo, I unknowingly missed a payment, resulting in a negative impact on my credit score. This setback significantly affected my ability to secure financing for a car or home. Upon reaching out to bofa 's customer service, I was informed that additional steps were required to finalize the setup, which was not explicitly mentioned in the demo. The most frustrating aspect is that the demo falsely indicated the completion of all necessary steps, leading to customer confusion and missed payments. 

I have recorded the entire process and can provide a screen recording to illustrate the discrepancy between the demo 's completion status and the actual state of my auto payment setup.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELE
TED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 
I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XXXX XXXX XXXX XXXX XXXX XXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. Recently my step dad had a severe XXXX and my mom who is XXXX weighing XXXX XXXX lbs had to take care of him alone for over 1 yr. when we found out there was no care taker for him, my husband and I moved closer to help. We eventually had to send him to XXXX hospital because of his XXXX XXXX. Long story short, we tried getting my mom an electric wheel chair ect via a personal loan only to be denied over and over. I was told that you could get into your XXXX/ XXXX XXXX and look at your report. I ended up finding about 4 accounts that had went to collection. At that point, I immediately paid all of them in full. I told them all what my hardship was and begged hem to take it off my reports after I paid them. They said it cold take up to 60 days. In the meantime, XXXX XXXX XXXX " XXXX original creditor " XXXX, had settled my whole Dept with he in the amount of {$300.00} '. I had asked them to remove it from my XXXX/XXXX XXXX/ and my experian report, and instead of showing paid in full, {$300.00} they re opened a revolving account saying that I actually owed them {$300.00}. I have tried numerous times to resolve these issues and they refuse to help which has really damaged my report all over again because all reporting agency 's re opened this account. I would like for this to be resolved immediately so I can at least apply for a personal loan to help my mother~ XXXX XXXX XXXX XXXX has damaged my credit ...