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

I am filing a formal complaint regarding the inaccurate and unlawful reporting of a charge-off on my credit report by all XXXX  credit bureaus for my XXXX Credit Card XXXX This reporting is in violation of the Fair Credit Reporting Act ( FCRA ). 

A charge-off occurs when a creditor declares a debt as a loss, which may include settlement or payment by a third party, such as an insurance claim or sale of the debt to a third-party collection agency. According to Section 623 ( a ) ( 5 ) of the FCRA ( 15 U.S.C. 1681s-2 ), furnishers of information to credit reporting agencies must report accurate and verifiable information.

The charge-off in question appears to have been resolved via payment by a third party, making it income for the original creditor. Income collection does not constitute an active or collectible debt and therefore should not be reported as delinquent on my credit report. This is a misclassification and a clear violation of my rights under the FCRA. 

I have disputed this directly with all three credit bureaus but they have failed to provide verifiable evidence of the debts accuracy. The FCRA requires that any information on my credit report must be accurate, complete, and verifiable. If they are unable to provide sufficient documentation, they are legally obligated to correct or delete the account from my file under Section 611 ( a ) of the FCRA ( 15 U.S.C. 1681i ). 


The continued reporting of this charge-off is damaging my credit profile and negatively affecting my financial well-being. This is a direct violation of my consumer rights under the FCRA, and I am requesting CFPB intervention to ensure compliance and proper resolution. 
Thank you for your assistance.
Product: Vehicle loan or lease

I had a car that was a total loss. I had XXXX XXXX insurance I cant get in contact with them. Flagship credit acceptance is saying I owe XXXX. They say they sent everything the police report over to XXXX XXXX   But I still have that balance. This made my credit score drop XXXX points. I spoke with someone at flagship they told me my account was closed XX/XX/2020.
Product: Consumer Loan

I applied for a hardship on my auto loan due to a change in employment. I can no longer afford my current payment and they informed me that this modification would help me out. I applied for the modification last XX/XX/XXXX. I submitted the application and notified my insurer ( XXXX ) that they needed to send the hardship department a declaration page of my insurance with Statefarm bank as the leanholder. I was contacted my the hardship department stating they received it but it did not have the correct information on it. I then contacted my insurer and asked them to resend it with the correct information. Since XX/XX/XXXX I had been locked out of my online account and saw that I had no payment due. I thought maybe they had been working on my account. I never heard back from them about the status of my application. In XX/XX/XXXX, I noticed that I had a derogatory mark on my credit from State Farm bank saying I was 30 days past due. Mind you, my account had shown no payment due in XX/XX/XXXX as well. I contacted the hardship department and they told me my application was voided after 15 days because they never received my insurance information. They said if we could find out if it was not my fault then we could proceed with the application and get the credit remark removed. I contacted my insurer and they told me that they had in fact sent the form twice. I have been back and forth with the hardship department and have been lied to every time. Saying that they do n't reverse their decisions, that I was at fault, and even stated that they had in fact received the insurance information but still voided my application. Then told me I was never even eligible for the hardship in the first place. I have asked to speak with management several times but to no avail they are always busy and never return my calls or messages. I feel like they lied to me and are trying to sweep this under the rug and avoid taking responsibility for what happened. I wanted to do what I can to be able to make my payment and stay in good standing on my account but they flat out refuse to work with me or help me out. I have been struggling and just need some help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the courthouse with tracking number # XXXX, asking do they report bankruptcies to the credit bureaus, and I received a letter stating that they do not report any bankruptcies to anybody. So, if thats the case, how did the credit buraus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 U.S.C. 1681 section 602 A, states I have the right to privacy.

According to 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.

According to 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX, DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX, DEPT OF ED / XXXX, DEPT OF ED XXXX XXXX, DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX, DEPT OF ED / XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX.has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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.
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and doesn't belong to me and need to be removed. Also the nest as well. thanks. 
XXXX XXXX XXXX -XX/XX/XXXX-2024 XXXX XXXXXX/XX/XXXX-2024 XXXX XXXX - XXXX-2024 XX/XX/XXXXXXXX2024 XX/XX/XXXX -XX/XX/XXXX-2024 XX/XX/XXXX - XXXX-2024 XX/XX/XXXX -XX/XX/XXXX-2024 XX/XX/XXXX XX/XX/XXXX- XXXX-2024 XX/XX/XXXX- XXXX-2024 XX/XX/XXXX -XX/XX/XXXXXX/XX/XXXX-2024 XXXXXX/XX/XXXXXX/XX/XXXX-2024
Product: Credit reporting or other personal consumer reports

There is a hard inquiry that does not belong to me.
Product: Checking or savings account

Hi when I joined chase during my branch meeting for my account I alerted them that my first 3 checks deposits would be given in the name of my third party contractor. To which the branch rep stated that this is perfectly fine and asked me would I like to deposit one at this time to which I said yes. My first deposit was successful the issues did not arise until my second deposit which I was alerted drew suspicion over the name being a third party which confused me since my first deposit was successful and I was also told by the branch rep during sign up that this would not be issue. I provided the bank with numbers to contact these contractors to verify the payment was given to me but I was told they could not use their business phone number that it would have to be personal cell phone. This created an issue for me since the bank had coerced me into believing the checks would have no issues then after placing a freeze assigning an arbitrary rule in order to get check verified. even though the number i provided for the contractor checks could be verified by a quick search online or just by calling them! those funds are needed in order to keep my business up and running therefore i have been pursuing every avenue to have them released
Product: Checking or savings account

I need help with my dispute reference number, XXXX, for XXXX XXXX {$800.00} card ending in XXXX on XXXX and posted date XXXX to be looked into for me because the dispute department keep telling me different stories saying they still looking. They claim they never receive the check from XXXX XXXX or I didnt receive it to because it was supposed be put back into the account after the account was closed out and provisional credit was given for {$800.00}. I never received the refund from XXXX XXXX so please help me Do I have to pay the {$800.00} back or not or did the bank got the money from XXXX XXXX by a check they keeping saying my account is {$0.00}. Update today I called XXXX asking about my dispute and they now told me on XX/XX/year> they was supposed to fully close it out now but not sure if that too not and send me a letter on the XX/XX/year> saying they completed the research and something like that etc and they also say I dont have to pay it back because Wells Fargo was supposed to refund them the money back on XX/XX/year> I want yall to call them and verify if that is true or not and send me proof of my balance being {$0.00} and upload it to cfbp portal and mail it to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and proof saying Wells Fargo XXXX it back to them or refund it back to them or pay it back to them and saying I dont have to pay nothing and my account wont be going to a debt collection agency and my account is {$0.00} and also contact How to contact us We appreciate the time and effort you took to contact us. If you have questions, you may reach me at XXXX, Monday through XXXX  from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. We accept telecommunications relay service calls. Sincerely, XXXX XXXX XXXX Representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Fax : XXXX and ask him if I am going to get a check for {$800.00} still or not or if that is still true and when will I get it? Please add it to case cfbp XXXX and case cfbp XXXX and case cfbp XXXX and to case cfbp XXXX update with new information I got this letter in the mail today and please verify if this letter is true and tell me if this letter is true or not and please read it below the attachment and tell me my current account balance is etc.
Product: Payday loan, title loan, or personal loan

Recently my family have been faced with unavoidable documented finacial hardships. My Wife "  XXXX XXXX '' and I, informed Avant of our finicial hardship. We ask Avant to work with us and informed XXXX of our goal to avoid Chapter XXXX bankruptcy and pay our finacial obligations. In order to avoid chapter XXXX bankruptcy we would need Avant to work out new repayment terms. We were unable to to Pay the Current excessive interest rate on our loan and we were unable to Pay current excessive monthly payment.. I was incouraged to reach out to all lenders to work out to Avant to work out a fair affordable repayment plan prior to Chapter XXXX bankruptcy. 


I also let Avant know I felt their lending feel within the guidelines predatory lending ... Do to the following at the time I applied for the loan my credit score was XXXX I am a Veteran in process of being a XXXX Veteran and they applied an excessive interest rate and loan origination fees. 
Avant has also threatened to sue me and refused to work with me. 




Avant refused to work with us in regards to our documented finacial hardship and telling us we will be sued for if we do not pay on current loan terms. 
Avant is refusing to work out an affordable repayment plan so I can avoid XXXX XXXX Bankrupsy by lowering my interestrate and montly payments. 
I feel taken advantage of by Avant I feel Avant took advantage of a Veteran who had a credit score of XXXX when I was provided an excessive interest rate and loan origination fee 's on my loan and with excessive montly payments on a {$2500.00} loan. Unfair lendin I was never sent a default letter my email nor by mail, Avant is forcing me into Chapter XXXX bankruptcy by refusing work out a repayment plan. 

Loan # XXXX
Product: Debt collection

Capital One Bank had an account of mine still open after I closed it 5 years ago in a branch. 
Its an account thats had NO money in or out of it for 5 years plus. I opened the account when I was XXXX and my Mother was placed on the account so I could open it. My mother had outstanding credit card dept that was never mentioned to me, and she wasnt contacted correctly due to address change. Somehow since my mother is on that account with me the dept collectors attacked my closed account for over {$11000.00} that has NOTHING to do with me. XXXXapital One did not close my account when I asked them to/ went into the branch 5 years ago. 
This has caused a huge mess for me and still shows negative {$11000.00} plus in my account that hasnt been used for forever.
Product: Bank account or service

On XXXX XXXX I called XXXX to pay {$200.00} for my credit card that was declined and I was very late. The payment went through from my Bank Of America checking account. 
I called again XXXX XXXX XXXX they said I am OK. I used the card normally. 
Almost one week, Thursday XXXX XXXX, I checked my Bank Of America account I found it overdrawn and they applied a {$35.00} fine against me. I called BOA costumer service, The lady said the payment was not proceeded from XXXX. Then she said we can not cancel the fine after a long argue. 
This is not the first time they do n't reflect transactions in my online banking. The hold them until they could apply any fine they want. They did it before with me and with many of my friends. and every time I call the merchant or any other third party they say we proceeded your payment, but when I call bank of America they say it 's not from us! 
First, the question is why should I pay from my kids budget if these banks are not doing their job? How can I get my right if I am the weakest party of the deal? 
Second, Why they hide peoples data to use them at the moment they want? 
Third, why every time I should pay for a wrong computer system that I do n't have any control on it and it gives me a wrong data. I used to pay according to what I see on my smart 's phone online banking. 
Forth, they never hide goods and food or gas transactions, all what they hides are checks, and scheduled payments to snatch the unfair and illegal {$35.00} fine. 
Please help me i getting back this amount as a sign of our government financial institutions rigor. As sign of fairness and legality. 
If they do the same thing with XXXX account holder this means a lot of easy tricky money they are collecting. 
Please help in this please.
Product: Payday loan, title loan, or personal loan

Brigit never had authro8zed access by me to use my checking account for ACH withdraws. However, on XX/XX/2023 Brigit did indeed take an ACH withdraw from my XXXX checking account. I want to be sure they are unable to ever again take an ACH withdraw from my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am requesting this myself for you to take necessary action about the errors being reported on my Transunion Report. I am so baffled by this situation. I am not connected to any credit company or any of its kind. I have been reaching out to Transunion, asking them to provide me with legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. They have provided ZERO VERIFIABLE PROOF. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Below, is the account they should DELETE from my file : XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to freeze my credit at Transunion and they asked for a credit card. Nowhere on the website ( to my recollection ) was there mention of a fee or subscription price. I entered my info and was signed up for a $ XXXXmo service I did not want. I called them and asked to cancel and refund, which they said they did. I received an email saying they cancelled but it made no mention of a refund. I was told to wait and check my credit card for the refund in 3-5 business days. So they can bill me instantly but take 3-5 days to refund me. Very predatory.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine by silence XXXXXXXX XXXX XXXX ( no ) XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefor any such debt, in fact therefore exist. 

XXXX is not my account and I demand removal due to FCRA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$51.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$660.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX XXXX, MO XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

Creditor is showing incorrect late payments on my account for the month of XXXX and XX/XX/XXXX XXXX XXXX