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

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

Inccurate Name : 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 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 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: Checking or savings account

We opened a business account with Chase on XX/XX/. 
We provided all the necessary information including a physical address for our office ( rental space ). 
A month later when we tried to use the debit cards- they were declined. When we called the Chase customer service line, they said that the account has been closed. 
We contacted Chase, who stated that after a few days of opening the account, Chase compliance team said they were not able to verify the physical address and tried to contact us. 
As they were unable to contact us to verify the account they closed the account on XXXX/XXXX/XXXX. 
The whole time we were able to log into the Chase portal and the mobile app and view our account but were not notified via the Secure Messages that there was an issue with our address. 
They said they emailed us and called us, but we did not receive either. We asked them for evidence of this - but Chase was unable to provide us with any documentation that this had occurred. Meanwhile we received many marketing emails from Chase trying to sell us more services/banking products, but they did not send us the most critical email needed. 
So the account was closed and could not be reopened. 
We had to open a new account. 
Chase neglected to inform us and, without providing any substantiating evidence, left us with doubts regarding the veracity of their claim that they had sent notifications. 
Meanwhile, they displayed a willingness to inundate our email inbox with unsolicited marketing messages.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have XXXX XXXX XXXX  as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!
Product: Credit reporting or other personal consumer reports

Complaint XXXX took more than 30 days to close and TransUnion did not address the issue reported.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. XXXX XXXX XXXX was Removed and deleted off all three credit bureaus and now theyre reporting a new account with a new balance on Equifax XXXX and XXXX XXXX I already requested a proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. I never received it. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau. 
Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 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. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30 day late account posting errors. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XXXX and XXXX of 2016. There was an error on their part. I was never late.
Product: Debt collection

XXXX XXXX has repeatedly called me from XX/XX/XXXX and still calling. They call about 8 times a day non stop. Ive already called to resolve the issue but they still continue to harass me.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding unauthorized and inaccurate inquiries reported on my TransUnion credit report. These inquiries are not associated with any accounts or credit applications initiated by me and do not meet the permissible purpose criteria outlined in federal credit laws. Despite my efforts to dispute these inquiries directly with TransUnion, they remain on my credit report, causing undue harm to my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), consumer reporting agencies are obligated to ensure that only inquiries made for legitimate and permissible purposes appear on credit reports. These purposes include situations where I have applied for credit, employment, insurance, or explicitly authorized the inquiry. The inquiries in question do not meet these criteria, constituting a violation of the FCRA. 

Additionally, FCRA 611 ( 15 U.S.C. 1681i ) entitles consumers to dispute inaccurate information on their credit reports and requires credit reporting agencies to conduct a reasonable investigation. TransUnion has failed to adequately investigate or remove these inquiries despite my repeated disputes. 

The continued reporting of these unauthorized inquiries negatively affects my credit score and financial reputation. XXXX failure to ensure the accuracy and integrity of its reporting undermines consumer trust and the credit reporting system. 

Resolution Requested : Investigate and ensure the immediate removal of all unauthorized inquiries from my TransUnion credit report. 
Hold TransUnion accountable for failing to comply with its obligations under the FCRA. 
Require TransUnion to implement measures to prevent future inaccuracies and unauthorized inquiries. 
Provide me with confirmation that my credit report has been corrected and reflects only authorized and legitimate inquiries. 
Thank you for your attention to this matter. I trust the CFPB to ensure compliance with federal credit laws and protect consumer rights. 

report. 

XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + Banks XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Banks XXXX Inquiry : XXXX XXXX, XXXX + Travel/Entertainment XXXX XXXX XXXX : XXXX. XXXX, XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> Follow up complaint. Experian still wont remove the information and give my 3 points back. I have contacted them as well as XXXX XXXX XXXX XXXX. A letter was even sent to them.
Product: Debt collection

On XX/XX/XXXX I received an alert from a credit monitoring system stating I had an account in collections. The account balance was {$1100.00} from MRS BPO LLC. The account was originally from XXXX XXXX XXXX XXXX XXXX. When I spoke with MRS BPO LLC, they requested I submit a payment and I informed them it was a fraudulent account. They stated they would send me a fraud packet to complete via mail but I never received it. I contacted XXXX XXXX XXXX XXXX XXXX and informed them of the fraudulent account but they couldnt provide me with much information due to the account being set up using my social security number and the account requiring a PIN to access it. The XXXX XXXX XXXX XXXX XXXX representative did tell me the account was created in XX/XX/XXXX and they gave me the address the XXXX XXXX service was being provided at.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, TransUnion ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my 1099-C? XXXX XXXX XXXX  is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX XXXX XXXXXXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and TransUnion are not an affiliate of XXXX XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors 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. XXXX XXXX XXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Student loan

I am enrolled in PSLF, terms of this agreement state that my federal student loans will be forgiven after making 120 payments while working for a qualified employer.

I have made 120 payments, but my account has not updated since XXXX, so the payments I made in XXXX and XXXX are not appearing. 

I have called Federal Student Aid several times to resolve this issue, and am always told that they are updating their system with no timeline for a completed update. 

I am frustrated as I have satisfied the terms of my agreement but FSA is not acknowledging my progress made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. You, however, seem to claim you've verified the accuracy of the information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. The account that should be adjusted is XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. Im requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed below. 
XXXX XXXX  XXXX After checking my most current report the updated information stated the account was purchased by Crown Asset Management LLC this account can not be reported as a charge off on my credit report if the account was sole to another lender. Please send the 1099-C form
Product: Vehicle loan or lease

In XXXX of XXXX I applied for an extension of my credit for the purchase of a XXXXXXXX XXXX XXXX XXXX sale price around {$8000.00}. I was denied the credits and therefore the sale of the motorcycle. I sent a letter to the underwriter requesting an explanation. In which they responded with an explanation of why they discriminated against me. But still did nothing to resolve the issue. Meanwhile keeping my credits and not releasing them to me. This is a clean violation of title 15 1691. Due to the fact that the treasury does not deny any payment under 31 CFR 357.
Product: Mortgage

Company promised to defer my payments for 180 days ( I have the call recorded ) with no negative impact on my credit, and that they would just move the payments to the end of the loan, I was able to make a payment anyway, but they put my account in " loss mitigation status '' without my consent this is going to ruin my credit and is not what we they promised or what they are required to do as directed by HUD and the federal government.
Product: Debt collection

i was pre approved for a discount program designed to save money on my loan by midland collection agency.given a certain date of expiration which was XX/XX/2016..midland collection agency has given me XXXX options. 
1. 40 % off from balance of {$3100.00} which was {$1900.00} 2. 20 % 6 month payments of only {$420.00} 3. monthly payment as low as {$50.00} per month. you have to discuss with them for this. 

I took option 1 .paid them {$1900.00} by check at XX/XX/2016 which was posted or deducted from my bank account posted on XX/XX/2016 way ahead of their due date. 
Yesterday XX/XX/2016 i got a letter from them thanking me for my recent payment, however they tell me that i still owe them {$1200.00} this is the amount that i was suppose to save on my XXXX % option 1 discount.i 'm so mad that i am looking straight for help ... thats why im here ..i need your help.
Product: Checking or savings account

On XX/XX/year> at XXXX, a deposit slip and XXXX XXXX XXXXXXXX was given to teller XXXX to deposit the check into my business checking account. XXXX deposited the check into my wifes account causing all kinds of problems within my household. By not paying attention XXXX disclosed my personal business to my wife, which caused us to argue and separate. The management team placed a 5 day hold on a XXXX XXXX XXXX XXXX  which only shouldve been held for 1 business day. I spoke to a representative and she stated the hold cant be changed. She stated not even a portion of the check could not be released. My business cant operate with no funds due to Capital One errors.

Previous a week ago Capital One Bank I believe was hacked because my business account disappeared from the system and my wife account didnt receive her direct deposit for 5 days.
Product: Debt collection

I am filing this complaint against this debt collector for their failure to comply with federal laws regarding debt collection and reporting. They have not provided proper debt validation as required by the Fair Debt Collection Practices Act ( FDCPA ) and have violated my rights as a consumer.

Key Issues 1. Failure to Provide a Debt Validation Notice : Under FDCPA 1692g ( a ), debt collectors are required to send a written debt validation notice within five days of their initial communication. This notice must include the amount of the debt, the name of the original creditor, and information on how to dispute the debt. The debt collector failed to provide me with this notice before reporting the alleged debt to credit reporting agencies, which is a violation of federal law.

2. Improper Reporting Prior to Validation : The debt collector reported the debt to credit bureaus before providing me the opportunity to dispute or verify its validity. This violates my rights under the FDCPA 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ), as they must ensure the accuracy of the information before reporting.

3. Failure to Provide Proper Validation : Despite my requests, the debt collector has not provided sufficient documentation to validate their legal right to collect the debt. A simple bill, bank statement, or general account summary does not constitute valid proof of debt.

4. Lack of Evidence of Ownership : I am disputing their claim to this debt until they provide evidence of ownership, including : o A signed agreement or contract showing I agreed to the terms of the alleged debt.

o The Purchasing Agreement and Bill of Sale demonstrating the chain of ownership of the debt.

5. Estoppel by Silence : The debt collector has not adequately responded to my validation requests. Their silence on this matter should bar further collection attempts or reporting until sufficient evidence is provided.

6. Violation of Consumer Rights : Their actions also violate my rights under the FCRA 1681s-2 ( b ), which mandates the correction or removal of inaccurate or unverifiable information from credit reports.

Requested Information To validate the debt and their right to collect, I am requesting the following : 1. A copy of the original signed contract or promissory note.

2. The full Purchasing Agreement and Bill of Sale between the original creditor and their company.

3. A detailed payment history, including : o Dates and amounts of all payments made.

o The original balance and any additional fees, interest, or charges added.

4. Proof that they are licensed and authorized to collect debts in my state.

5. A copy of the debt validation notice that was required to be sent within five days of their initial communication with me.