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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Charge-Off Accounts on Credit Report Dear XXXX, I am writing to dispute multiple accounts listed on my credit report as " Charge Off. '' The disputed accounts are : Account 1 : Amex, XXXX, XX/XX/XXXX Account 2 : Amex, XXXX, XX/XX/XXXX Account 3 : XXXX XXXX, XXXX, XX/XX/XXXX Account 4 : XXXX XXXXXXXX, XXXX, XX/XX/XXXX Account 5 XXXX XXXX XXXX XXXX, XX/XX/XXXX The basis for this dispute is that a Charge Off is considered " income '' for the creditor, and " income '' is not allowed to be listed on a credit report. This is in violation of the Fair Credit Reporting Act ( FCRA ) and the Internal Revenue Code. 

According to the Internal Revenue Code, 26 U.S.C. 451, a Charge Off is considered taxable income to the creditor. As such, it is not a debt that can be reported on a consumer 's credit report.

The FCRA, 15 U.S.C. 1681c, prohibits the reporting of income or debts that are not owed by the consumer. Since a Charge Off is considered income to the creditor, it does not meet the criteria for reporting on a credit report. 

Furthermore, the Consumer Financial Protection Bureau 's ( CFPB ) guidance on credit reporting emphasizes the importance of accurate and complete information. Reporting a Charge Off as a debt is inaccurate and misleading.
Product: Checking or savings account

XXXX taken out fraudulently. Called immediately when realized. A claim was submitted. Funds not reimbursed during claim review. Left without funds over weekend. Called Monday morning and asked to expedite investigation as I have no funds in my account. They stated they couldnt help me and I would have to wait u til investigation is over.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Product: Credit reporting or other personal consumer reports

XXXX and Experian continue to report an account inaccurately on my consumer report. The account listed on my consumer report XXXX XXXX XXXX XXXX XXXX  has several inaccuracies that I know have not been verified. Both credit bureaus are not reporting the same information and that means that the account has not validated by anyone other than the credit bureaus. 

High Balance : {$520.00} {$0.00} Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date OpenedXXXX XX/XX/XXXX Closed XXXX -- Creditor Type : Bank Credit Cards All Banks Creditor Remarks : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to account XXXX under XXXX XXXX XXXX my credit report. All 3 credit bureaus are reporting that I have late payments with XXXX XXXX from XXXX - XX/XX/2019, but this is incorrect information as I was not late on payments during this reported time frame. I have tried to resolve the issue directly with XXXX but they claimed to not be able to make any changes. I understand under my legal rights that any information that is inaccurate must be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCOUNT IS A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. THIS ACCOUNT WAS OPENED AND MAINTAINED WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT. I HAVE SUBMITTED ALL REQUIRED DOCUMENTS TO PROOF THAT THE ACCOUNT IS NOT MINE. I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED THE FRAUDULENT ACCOUNT.
Product: Credit reporting or other personal consumer reports

The basis of my complaint today is to bring attention to this matter with XXXX, about this XXXX XXXX account XXXX. Account #, Date opened, Payment status and Payment history is all still inaccurate even after their investigation. Im requesting for immediate deletion of this account. I already sent multiple letters and complained about this to the cfpb XXXX. They investigated and results are still inaccurate and incomplete and both Transunion and XXXX are reporting different information. In regards to the late payments that are being reported. I completely got ignored during my last dispute is the CFPB going to hold XXXX responsible for this blatant ignorance?. The late payments on these accounts are fraudulently being reported and under 1666b they are suppose to send me a bill/statement in the mail 21 days before the due date which i never received and if there is proof of that please send that to me. Also under 15 U.S.C. 1681s-2 ) : The FCRA mandates that a furnisher of information must notify the consumer in writing of its intention to furnish negative information regarding any consumer debt directly to a consumer reporting agency. I have not received any such notification from creditor. I am requesting this account be removed from my credit report.
Product: Credit card

I received a letter from Chase stating that they are closing my credit card account. 
Moreover, the letter states that the reason for the closure is " because continuing the relationship creates possible reputational risk to our company ''. 
First of all, I have no idea or understanding of the meaning to this reason at all. I have been a loyal customer that has never missed a payment ever and who maintains a great payment history on this account. 
I contacted the office number provided and spoke to a representative who states he could n't provide any specific information used to make the decision but did recommend that I write this letter to further inquire about this action. He also stated that based on his past experience, it usually stems from some information that Chase received via internet relating to personal or business on my part. 
If so, I strongly object to this because there is no such information either personal or business reported against me on the internet or any other source that would cause Chase to be concern about its own reputation as a company. 
Furthermore, the history of Chase and all of its mortgage fraud related issues with the Federal Government stemming from the Mortgage Crisis between XX/XX/XXXX thru XX/XX/XXXX did not keep me from having a relationship with Chase. 
As such, I demanded for full and immediate disclosure ; 1 ) Specific and detailed information obtained by Chase regarding myself personally or my business leading to this decision. 
2 ) A copy of the credit agreement signed by myself with the terms and conditions of our relationship for this credit card account. 
3 ) The specific language or section under the credit agreement which supports or authorizes Chase to take such unprovoked action.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Unauthorized Hard Inquiries To Whom It May Concern : I am writing to dispute certain hard inquiries listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. Specifically, under 15 U.S.C. 1681b ( c ), hard inquiries can only be conducted with my consent or for permissible purposes. I did not authorize the following inquiries on my credit report : Attach is a list of all inquiry name and date.

These inquiries were not initiated by me and, therefore, are unauthorized. Under 15 U.S.C. 1681i, I am requesting an investigation into these inquiries, as they negatively impact my credit score and overall report accuracy.

Please remove these inquiries from my credit report or provide verification that I authorized them. Additionally, if you find that these inquiries were unauthorized, I request written confirmation of their removal for my records. 

Enclosed with this letter, you will find a copy of, my credit report with the unauthorized inquiries highlighted. 

Please confirm receipt of this request and provide an update within the 30 days as required by law. 

Thank you for your attention to this matter. 

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

I recently submitted two complaints to this company ( # XXXX ) and ( XXXX ) along with verification of identity theft reports and identity to verify myself. I requested that the company remove all fraudulent accounts, personal info and inquiries from my report. I recently checked my credit and this company has not removed all these items and has also added back old fraudulent accounts that have already been deemed fraud and removed by the creditors. They have added fraudulent addresses and names that I have no knowledge of and some that were included in the last dispute. They have also blocked me from dispute any accounts going forward.
Product: Credit card or prepaid card

I placed an order through walmart.com and unfortunately never received a merchandise I said inform Walmart that I never received the product and they informed me that it wasnt anything I can do I have time to dispute with capital one bank, and they also have not done with your diligence to help me resolve this claim. I have requested for capital one to submit their proof or findings of me having this product, and I have had no substantial answer from them. As of todays date, they just want me to pay for a product that Im not a possession of.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> & XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

Received a phone call from my sister in law that someone called me from XXXX and asked me to contact them on XX/XX/XXXX. I took down the information and gave the company a call. I spoke to a guy who didnt give me a name. He stated that I owe Care Credit {$950.00} and I needed to pay today in order for my file not to go to the court tonight at XXXX. He stated that the company will garnish my wages and put a lien on my property.He also stated that ny husband and I have the capability to pay the debt so I needed to pay it and that even though my husband and I were not married when this so-called debt was done NC is a state that will allow them to go after him as well. I asked for clarification but he was only interested in telling me that I needed to pay now and that if I didnt I would have {$4000.00} in court fees. This debt was supposed to have happened in XXXX and I do not recall having Care Credit.
Product: Checking or savings account

After paying {$400.00} dollars ( {$8.00} per day ) on XX/XX/XXXX or XXXX, I emailed the 53rd investigation asking them to temporarily suspend my account in order to understand just exactly what they were charging. I only received the standard " Do Not Reply '' email. 

On XX/XX/XXXX, I went to the XXXX XXXX location and paid another {$270.00} in order to CLOSE the account and to stop the bleeding. Bank Receipt information follows : XXXX/XXXX/22 XXXX pm Teller : # XXXX BC : # XXXX REF : # XXXX As of today - XX/XX/XXXX - I still have not received any mail or emails from 5th 3rd bank ). Customer service rep said I had to go to local bank for letter to ( now ) stop doing business at 5th 3rd.bank. 

This was my rarely used business card for XXXX XXXX. Please cross-reference this complaint with DOJ regarding XXXX. This bank is partnered with XXXX. Thank you.
Product: Mortgage

I found out on XX/XX/21 that Citizens One ( CO ) had reported my account as 6 months delinquent, and my credit score dropped almost 200 points. I am in the process of a home purchase and have about XXXX in it that I wont get back if this doesnt go through. I called CO and they apologized, said it was their mistake, and they were filing a claim on my behalf, and that my credit score would be back to normal in 2-3 weeks. I called back on XXXX because my score hadnt changed, and was told that the agent had done it wrong and it was now being fixed, that it would be restored in 2-3 weeks. It is still not restored. I called XXXX and they have no record of CO attempting to correct the mistake. I started my own claim a few days ago and can not reach CO to quickly verify my claim so that I can buy the house, before its too late. I have spent about 24 hours on the phone with absolutely incompetent people trying to resolve this.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 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. 

Account name : XXXX XXXX  Account number : XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on any payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year> & XX/XX/year>. I'm now requesting you investigate the XXXX XXXX  XXXX XXXX  account and update this payment to paid on time immediately. Thank you for your understanding and prompt action. 

15 U.S. Code 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has not properly investigated my consumer reports. pursuit 15 USC 1681 ( e ) investigative consumer report. They have caused me great harm as they have infringed upon my consumers right to Privacy. pursuit 15 U.S. Code 1681 ( a ) ( 4 )
Product: Checking or savings account

To whom it may concern : I noticed my XXXX XXXX  checking account was overdrawn, so I checked it and found that dating back to XX/XX/XXXX, someone gained access to my business checking account number and routing number and started doing ACH debits. The payments were made to Best Buy, XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX The names used were XXXX XXXX XXXX XXXX XXXX XXXX. Two names I've never used and people with whom I have never associated. The amounts ranged from the {$500.00} range up to {$4000.00} more recently, totaling approximately {$21000.00}. 

Once I noticed this, on XX/XX/XXXX, I called XXXX XXXX and filed a claim. They state they are only allowed to reverse charges that were within 30-60 days of the first occurrence. The most recent occurrence was XX/XX/XXXX. Within the past couple weeks, the criminal debited my account for more than {$10000.00}. I called all of the above companies and they stated they couldn't do anything and to talk with my bank XXXX XXXX XXXX, who is not helping me any further. 

In the past, I received texts or emails about suspicious activity, which I believe this is, and I never received any notifications from my bank regarding any of these debits, even though someone else 's names were used for the transactions. 

The transactions with dates and amounts are in a supporting document. 

I believe a fair resolution is to have my money credited back to my account. Since the money used by the criminal was to either purchase something or pay off one of their own credit cards used by the aforementioned companies, they should be held responsible and then the criminal 's accounts will be debited, not mine. I had nothing to do with these charges except for my account being used without authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have written XXXX XXXX, Transunion, and experian to investigate this account and that it is reporting 100 % accurate and factual... ..each time they write back and say that it is verified as accurate,,, ,how is this so? they did not investigate this account as look at the inaccurate reporting on my credit report that i have attached ... ..it says that it is an open account and it also says that it is a charge off ... how is that possible? it can not be both... .one is reporting 0 months in terms and the other is reporting 0 ... .the comments are way different between bureaus ... ... ..the date of last active are different between bureaus ... ..account type detail is are different between bureaus ... .they are just pencil whipping this and not conducting proper in investigations ... this is just what i see with my untrained eye ... if they are investigating this as they should be they should be catching this right away with their trained professional eyes.
Product: Credit card

I was on a " NO INT FOR XXXXXXXX XXXX  '' promotional for a few of my purchases dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX according to my XX/XX/XXXX statement. The promotion expiration date for these purchases was supposed to be on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My account was also involved in an unauthorized transaction back in XX/XX/XXXX, but it was determined that I wasn't liable for those transactions. Starting my XX/XX/XXXX 's statement I was being charged 25.99 % in interest for my promotion transaction. I have not made any transactions since XXXX on this account. I contacted The Home Depot Consumer Credit Card regarding this issue and they have not got this resolved. I contacted them on XX/XX/XXXX for an update, and they informed me they would be sending a referral for the promotional and should get a call back within 7 to 10 business days. I contacted them again in XXXX and they mentioned they are still working on it To this day I have not received any updates and am still being charged interest every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have 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 : XXXX XXXX Balance Owed : {$3400.00} Date Opened : XX/XX/2021 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX L ) XXXX Balance Owed : {$610.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  L ) XXXX Owed : {$610.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX MORE ) XXXX Owed : {$1000.00}
Product: Credit reporting or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I havent received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 



In accordance with the fair Credit Reporting act ) XXXX XXXX  XXXX Missed late payments Balance updated {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Missed late payment {$670.00} Balance updated XX/XX/2023 XXXX, XXXX XXXX Missed late payment. {$580.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$7800.00} I owe them that's in collections they are not the original creditors. 



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 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.

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 any reasons. 



According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts. 



REMOVE OR THE LATE PAYMENTS OR DELETE THE ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX CREDIT MONITORING SERVICES, I HAVE BEEN A MEMBER FOR YEARS AND HAVE PAID FOR MONITORING AS ADVERTISED! I PAY AND THEY FAIL TO ACTIVATE MEMEBERSHIP, TIME AND TIME AGAIN
Product: Student loan

I am currently enrolled at XXXX University in a XXXX  program. I have been continuously enrolled as a full or part-time student since XXXX. I do not anticipate graduation until XXXX. 

Navient is currently servicing 2 different loans. When I started at XXXX, they received the clearinghouse  information and placed my loans on in-school deferment. 

My status has not changed since XXXX. 

Inexplicably, Navient has removed my in-school deferment and XXXX status and is actively attempting to collect the debt and induce a default. They are ignoring my written communications and ignoring the XXXX University clearinghouse  data, which I verified with the registrar as reflecting my status as fully-enrolled in this semester and every semester with no breaks since XXXX. 

Navient needs to comply with Federal law, acknowledge the clearinghouse  information, and return my status to in-school deferment. 

Otherwise, we're considering Navient 's actions as a willful breach of the terms and conditions of the loan and a violation of Federal law.