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

These companies are furnishing inaccurate and incorrect information to the consumer reporting agencies. and causing damage to my reputation and well being.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 A 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.

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

The IRS Clearly defines a charge-off as Gross or Ordinary income, Income does not get reported on the Consumer Report which in fact makes your reporting of this account inaccurate! 

By definition The IRS Clearly says a Cancelled debt or Charge-off is income. The reporting of this account as a debt is inaccurate. 
MIDLAND CREDIT MANAGEMENT, XXXX XXXX, XXXX XXXX XXXX, IS A FURNISHER of information to a consumer reporting agency. 

Therefore they are prohibited to furnish inaccurate information.
Product: Credit reporting or other personal consumer reports

I have never had an account with XXXX XXXX XXXX, and the account currently reported on my Experian credit report is inaccurate. I dispute the XXXX XXXX XXXX account ( Account No. ending in XXXX ) which is listed as Open with a past due balance of {$370.00} as of XX/XX/year>. I have never applied for or been associated with this account. This incorrect reporting is negatively impacting my credit score and financial standing. I am formally requesting the removal of this inaccurate account information from my credit report.
Product: Checking or savings account

In XXXX of 2024, I noticed that my savings account was being charged a XXXX XXXX monthly statement fee since XXXX of 2018 to current. I called Chase customer service in the beginning of XX/XX/XXXX ' and explained that I should not have a monthly statement fee. The rep reimbursed me XXXX year of statement fees ( {$25.00} x 12 months = {$300.00} ), but instructed me that I would have to go into the branch to get the remaining reimbursement of statement fees. 

When I originally opened my savings and checking account with Chase Bank, I was told if there was a direct deposit to my checking account and an auto deposit to my savings account then all monthly fees would be waived. From when I opened my account to today, I still have direct deposit to my checking and an auto deposit to my savings from my checking. Further, as of XX/XX/XXXX ' I am now being charged a XXXX XXXX monthly fee on my checking account. 

Since I entered the branch in XXXX  2024, I have had to follow up with the branch XXXX despite several calls and an email to her.
Product: Credit reporting or other personal consumer reports

Please delete the following fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION XXXX ( b ) I demand the deletion of the fraudulent accounts and inquiries listed in the attached file below which all resulted from the Reported Incident of Identity Theft.
Product: Mortgage

I am an XXXX year old widow forced into bankruptcy. XXXX  XXXX ( XXXX, TX ) is a reverse mortgage lender that claims I now owe them {$250000.00}. I've attached their latest invoice, showing the amount, loan number, my name and address. They have charged me outrageous amounts without proper explanation. I have asked for supporting evidence for all of its charges, including signed proof of the original mortgage, the mortgage agreement terms, and settlement documents to support their claim of all amounts it claims I owe. They have been either unwilling or unable to provide me with such proof. I now risk losing my home of over 40 years. 

I was never given an account to draw from but I paid for major and minor repair items out of my own funds ( sewer line, furnace replacement, etc. ) When XXXX claimed I was not making required monthly payments, it took funds from an account of which I was unaware and began charging additional interest based upon their own withdrawals. XXXX also claims I owe fees for home inspections of which I was never aware nor was I informed. CFPB, please I need your help. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXXXXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00}, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Equifax for the last three months to remove four collections that are not mine They continue to cause me problems XXXX and XXXX have fixed and also Equifax had put a fraud alert without my consent I am also unable to file disputes or pull my credit online because the questions they ask to verify me is inaccurate and not real They dont care and they continue to sabotage my credit and reputation Here is the following collections that are not valid along with not mine and fraud XXXX XXXX {$45.00} and {$35.00} I have told them this was taken care of back in XXXX they continue to report this as real along with an unauthorized charges from XXXX XXXX XXXX for {$620.00} and I was not in or living in virginia and I had submitted proof along with the fact that if they were actually doing a real investigation would see this by my addresses on my credit history as proof too. Now I have a new charge from XXXX XXXX XXXX for {$690.00} as someone used my identity and the police told me to notify the credit bureau and Equifax does not fix this along with a collection to XXXX XXXX XXXX for an inaccurate collection as I have had Medicare and Medicaid insurance for 9 years I was not even living in virginia or there the time of change along with XXXX XXXX I had lived at that address previously 9 years ago and do not know who is the company Also the XXXX XXXX   charges were in XXXX and a collection company illegally opened up credit collections on me when these were paid and also by law should not be reporting the collection company decided to add in a new name Equifax gives me so much problems and makes my life very complicated and do not fix the issues Equifax had also told me last year I was included in their data breach and they have not dont their job to make things accurate and fair for me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and these accounts by law must be removed from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. DPT EDXXXX XXXX {$7500.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$450.00} XXXX  XXXX {$630.00} XXXX XXXX XXXXXXXX XXXX {$620.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX {$390.00} XXXX XXXX {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to prove beyond any doubt that my consolidated student loans were always in deferment. I have filed numerous complaint against XXXX XXXX XXXX, the servicer of my student loan. When this company took control in XX/XX/XXXX, I was still in deferment. Therefore, how could I ever be late on payments? I have never made payments while in deferment. On each credit bureau it shows that I was automatically 90 to 180 days late on payments. On XXXX   it shows an instant 90 days late all the way up to 180 days late, then back to 90 days late. This is a complete fraud used by a debt collectors to hold my credit rating hostage. 

My XXXX shows from a perfect rating to an instant 180 days late in XX/XX/XXXX. 

My Trans Union shows automatic 90 days late up to 120 days late. 

I need now the bureaus to investigate an abusive credit reporting process done by XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX. 

I NEED THESE LATE PAYMENT HISTORIES PURGER PERMANENTLY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, My name is XXXX XXXX and I'm displeased with what I found on my credit report. 
I found some Fraudulent & Illegal accounts and information on my credit report that you need to remove. They are listed below. Please remove these Fraudulent & ILLEGAL accounts and information. Please send me a copy of my credit report after it is completed. 
I have enclosed a copy of my Driver 's License, and 2 Bills for identification and verification. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I appreciate you removing these ILLEGAL accounts. 
Sincerely, XXXX XXXX
Product: Debt collection

I would like to contact wells Fargo with this case and ask them to collect the money from them cause have been sending my money to scammers and not making a good payment back.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I discovered information that is not mine I contacted the credit reporting agencies and requested that it be verified and to be provided documents that prove this account is in fact mine an not a result of identity theft that was in XXXX of XXXX  they have still not provided me with any documentation XXXX XXXX contacted me on XX/XX/XXXXXXXX  stating they verified my birth date and ssn and that's enough for them to verify the account I requested a contract or any information that could link me to this account the merchant doesn't even have a address or email to contact me Equifax is breaking the law by reporting this information even though it can not be verified properly us 1681 c 2 XXXX XXXX XXXX XXXX Account Number XXXX Amount {$3100.00} *charge-off*
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX identified me as Borrower on Car loan and I never had a car loan and it shows as repo/negative remark on my credit report ( XXXX ) and I needed it removed off. XXXX XXXX XXXX even went as far as Taking me to Court on XX/XX/XXXX. 2019 But the judge ruled in my favor and said the debt didnt belong to me. I filed a police report prior to court for fraud and it was honored.
Product: Checking or savings account

On XXXX I received a notice that my SoFi account access had been temporarily restricted and that I needed to contact their security team. I have contacted SoFi over the phone three separate occasions between XXXX XXXX XXXX XXXXXXXX and have not been given any explanation. I can not access any of my SoFi accounts and have been given no options to withdraw any of my funds or close my account.
Product: Credit reporting or other personal consumer reports

I have 4 hard inquiries on my Transunion report that are not showing on my other 2 reports from XXXX  nor XXXX. I have identified the inquiries below and request that transunion remove them. They are not mine. 

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

Someone hacked into my personal Venmo account and applied for a credit card on Friday XX/XX/XXXX. After getting approved for XXXX via my account they made a transaction for XXXX dollars through a venmo store. Then at XXXX XXXX they made a transaction for XXXX to another venmo account. I was logged out of my personal venmo and thought it was strange. Created a new password and noticed these charges. I then immediately contacted the Venmo customer service and they claimed they resolved the issue. My Venmo account is now frozen and I never received a formal email describing that would happen. Nor did then representative on the phone explain that my entire account would be frozen. Im very concerned as to how this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$140.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was wrongfully evicted from my apartment. I was continually being harassed by the on-property maintenance worker and had no choice but to report his behavior to the office manager of the complex. The harassment escalated and one day I came home to find this person in my apartment going through my drawers and personal belongings. I filed a police report. In retaliation the apartment complex evicted me without notice. This false reporting of a collection that I do not owe is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this  however, I have not been successful.
Product: Vehicle loan or lease

I have received multiple letters from XXXX XXXX and XXXX in attempts to collect an alleged debt where Santander is listed as the original creditor who sold the alleged debt to these companies. I need a copy of this vehicle loan agreement that I originally signed sent to me within 21 days of the receipt of this complaint. I also need the date that the alleged debt was written off by Santander sent to me within 21 days of the receipt of this complaint. Note : No information included in this complaint shall be used in any attempt to collect a debt. Should my information be used as such, I shall lawfully pursue Santander for breaching my privacy.
Product: Checking or savings account

On XX/XX/2023 four fraudulent transactions took place between two of my accounts. Immediately before these transactions occurred, I received a call from a Chase bank number ( XXXX ) XXXX that was very suspicious. I gave out no personal information, but they informed me that my card had been compromised and a new card would be sent to me. A Chase private banker later told me that they had no log of this call on their end. Immediately after this suspicious call these transactions occurred : XX/XX/XXXX {$1200.00} Withdrawal from checking {$200.00} ATM Withdrawal from checking {$900.00} XXXX XXXX {$1000.00} Withdrawal from my savings I left town on XX/XX/XXXX to play a music festival in XXXX, AZ and didn't recognize the transactions until XX/XX/XXXX. I then immediately reported the fraud to Chase the next morning. On XX/XX/XXXX, Chase reimbursed me the {$200.00} transaction, which took place at the same location as the other fraudulent transactions within the same timeframe, but denied my other three claims ( all around {$1000.00} ). I submitted a complaint with them, and on XX/XX/XXXX they denied my complaint. I then had them open an investigation with their claim department, and on XX/XX/XXXX, they informed me that the investigation was over and they still denied the claim. They provided me no information about their investigation and have been extremely dismissive since then.
Product: Payday loan, title loan, personal loan, or advance loan

Lendnation has been harassing me by disclosing my loan information to many family members, in violation of federal and state laws. I request Lendnation to refrain from making contact with any relatives, friends, coworkers, etc. regarding the loan. They do not have my permission to contact any third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a complaint about the following : 1. Unfair credit reporting by XXXX XXXXXXXX XXXX XXXX and the credit bureaus handling of information reported. In XXXX of XXXX, payments to my XXXX XXXX Account to which a credit card was linked was disrupted, as a result automated payments to the XXXX XXXX credit card linked to that account were returned. The source of the problem was not clear at first, and I was asked to go into a XXXX XXXX XXXX branch to address the issue with a banker. However, due to the pandemic, XXXX XXXX bankers were not available on a walk in basis in XXXX XXXX, due to work modifications to address the Covid19 pandemic. An appointment had to be booked with a banker based on available slots online or by phone. Due to this ongoing situation, I was not able to rectify the issue of returned credit card payments until XXXXXXXX XXXX  Meanwhile, XXXX XXXX XXXX closed the credit card account and continued to falsely report to the credit bureaus that the credit card payments were missed, until XX/XX/2022 when I got an appointment in a XXXX XXXX branch and paid all outstanding balances and payment fees accrued. All attempts to work with XXXX XXXX, after that, to correct the negative credit reporting has proved futile, therefore this complaint. 2. During the review of my credit score from situation 1. above, I discovered that a credit card account with XXXXXXXX XXXX  was being used and reported to my credit account with the 3 credit bureaus for up to a year. I was able to work with XXXXXXXX XXXX  to identify that account as fraud. XXXXXXXX XXXX took action and asked all three credit bureaus to remove that account and history from my credit report. Due to these two situations, my credit score was reported as XXXX XXXX. I was able to work with XXXXXXXX XXXX to remove the fraudulent credit card account from my account, including at least one year of missed payment history on that card. Despite these improvements my credit score declined to XXXX. I made further effort to work with Experian. On XX/XX/XXXX, Experian published that my score improved by XXXX points, but the score only went up to XXXX. Therefore I am complaining about the following : A. You can use my case to prove that the credit score system used by Experian, XXXX, and XXXX is either arbitrary or unfair computed/applied. My score which was in the XXXX, before XXXX XXXX and the XXXXXXXX XXXX  started unfairly reporting to it, did not recover to that level even when all fraudulent account and up to a year history from XXXXXXXX XXXX was removed. B. I am making a complaint about XXXX XXXX for unfair credit reporting. Moreover, these are the only ( 2 ) two negative items that were on my credit report, if the credit scoring system was a logical measurement system, removing any one of these items should lead to a proportionate increase in my credit score. Therefore, I am applying to the CFPB to investigate and remedy this situation for all consumers.
Product: Debt collection

" XXXX XXXX " has been calling me everyday sometimes multiple times a day about collecting on a 4-5 year old debt. ( and maybe others ). I'm awaiting important phonecalls so i have to pick up every call i get. And it's always someone from " XXXX XXXX ". Sometimes they won't even say who they are and tell me they can't give me that information unless i tell them who i am ... Last time i spoke to someone i told them are you seriously harassing me during a pandemic? To which they replied " we are not harassing you ''. If calling multiple times a day from different random numbers is not harassment then what is?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX XXXX did not validate the debt and can not report on my credit over 30 days ago. I requested both debt collectors to validate that they have not responded. 
I disputed it with Experian and they ignored the fact they are in violation of the fair debit collection practice act
Product: Debt collection

Received debt collection papers CS number XXXX for IRS in my name. Its says that it was accrued XX/XX/23. First this is not my balance, I was not working when this was filed. I have never filed as head of household, this balance be longs to my husband, some of which before we were married. It needs to be taken out of my name. Second the larger balance was not accrued this year it was accrued almost a decade ago, which is past 7 years and must be written off.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Finanicial Protection Act ( CFPA ). Specifically, Cash app has failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

Upon completion of my lease and submitted a payoff amount to the company as instructed. The payoff was received and processed however I never received payoff letter or title to the car. I contacted company several times and was unable to get any information. I escalated my request however Ive never received any response. The customer service representation was were unable to provide any relevant information to me.
Product: Debt collection

this agency is infringement on my consumer right by using misleading, false and deceptive tactics. 

This company is breaking the law by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ) .Despite this, they've added a collection to my credit report I've already tried to resolve these issue directly with them, but they continue to violate my right. For each violation listed, i am entitled to $ XXXXThey must either compensate me or remove this account immediately.