23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Eastern account systems sent me a letter with my information to collect {$420.00} for a Doctor that I never saw. I explained this to them numerous times and receivedno help to resolvethe issue. I spoke with the doctors office they were trying to collect debt for and confirmed that no one visited that office using my name or information so filing a police report for fraud was useless. Eastern account systems reported this debt to my credit which resulted in a XXXX point drop, I am extremely upset about this. On the same day I was notified they reported this to my credit, I called them and only then did they say they discovered that the wrong Doctor information was put on the notice they sent me and it was in fact now my doctors office listed. I immediately called my doctors office to verify and ask why I was never notified by them directly. I paid the {$420.00} in full that day directly to my doctors office. Eastern account systems still has not removed the debt off of my credit and has not updated the information. They have ruined my credit due to their incompetence and none of the employees care to do their job correctly. This is such an extreme example of misuse of power and they should not be allowed to ruin people 's lives. I want this company to be investigated so they can never have the power to do this to anyone else, this is such a travesty.
Product: Credit card or prepaid card

I applied for a credit line increase and capital one declined my request using an outdated and expired credit score. They need to use an updated credit report to approve my increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  XXXX  and Mohela  are in violation of the Fair Credit Reporting Act. They all continue to report my student loans in deferment and continue to report the incorrect payment history despite me submitting proof multiple times for months .The Credit Bureaus are also in violation of providing verification method. Even with my proof that I am not in deferment and despite the Cares Act Law they continue to report in deferment.
Product: Checking or savings account

I received a letter from Truist dated XX/XX/XXXX in which they still keep missing the point that a considerable amount of money was HACKED from my account around XX/XX/XXXX and very likely again around XX/XX/XXXX. I had documented this complaint under my previous, now hacked and closed email of XXXX. They miss the whole point of them ADMITTING my account was compromised, that they denied me since XXXX XXXX, XXXX up until XXXX to unlock my online banking to see how much money the hackers took ( one bank official actually speaking to their fraud dept. said " how much did they take? " ). They only give me partial statements for XXXX starting AFTER THE FRAUD ALERT FROM XXXX dated XX/XX/XXXX ( copies previously emailed to CFPB ) and for XXXX starting on XXXX XXXX, XXXX, the day that approx. over {$45000.00}! Were electronically deposited from the sale of my house in XXXX FL. A week later {$6000.00} were added by the same company from the house sale for a total of at least {$51000.00}!. I had over {$8000.00} minimum on the day I had to replace the tire in XXXX XXXX on XXXX XXXX, XXXX the same day a {$250.00} XXXX transacton was found to be a fraud alert. My car payment for just over {$1000.00} bounced as no funds by XXXX XXXX, XXXX. And they actually accessed me overdraft fees which they so kindly and " innocently '' reimbursed like if all the money that was taken out electronically by a hacker or very likely even one of their own employees or completely missed and definitely COVERED UP by THEM most likely due to failure to follow procedures or have a safe system! 
The money XXXX to XXXX XXXX ( one of the suspects of the hacking btw ) was for house improvement work that was never done and thus I requested the money be returned. 
BUT THAT IS WAY BESIDES THE POINT!!!! THE POINT IS THAT THEY KNOW MONEY WAS ILLEGALLY TAKEN OUT OF MY ACCOUNT AND NOT PUT ON THE STATEMENTS, THAT THEY MOST LIKELY FALSIFIED THESE DOCUMENTS, THAT THEY NOW WONT GIVE ME THE FULL ACCOUNT NUMBER, AND THEY THINK I AM SOME SORT OF MORON!! 
HELLO!! I am a XXXX XXXX  XXXX who took advanced calculus in college and went to private gifted children schools!!! And you dont need a rocket scientist to figure out that it is IMPOSSIBLE to have {$51000.00} and all be gone in less than XXXX months with the amount of money spent! Even after the car down payment ( {$14000.00} ) and the first, last and XXXX months deposit of a rental house ( {$9100.00} ) and the {$4000.00} for moving expenses. 
And the other {$2000.00} they keep talking about to avoid the REAL SUBJECT was a scam. But now I am even wondering if the scamming started as soon as closed on the house in XXXX on XXXX XXXX, XXXX. 
They referrence CFPB XXXX XXXX XXXX in their pitiful XX/XX/XXXX letter. 
I WILL GET A LAWYER AND SUE THEM!! Because all your agency does is agree with them and Close every case without contacting me first! So I will sue you too
Product: Credit reporting, credit repair services, or other personal consumer reports

The following ( Experian ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting XXXXm reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit reporting agency A has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


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

I ask the credit bureau to do a verification on my credit report and they did.They stated that it was accurate and I did a thorough research myself and found improper inaccuracies on my report after the verification. 



In accordance to the Fair Credit Reporting XXXX Account has violated my rights. 

15 USC 1681 Section 602 A states that I have the right to privacy 15 USC 1681 604 Section 2 it also states a consumer agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

We recieved XXXX XXXX from XXXX XXXX XXXX XXXX for myself and my husband. 
In XX/XX/XXXX, I attempted to work directly with financial assistance for help in paying the bill. I directly asked for a paper application, was told I could do it online. However, at the time- I did not have access to the application process, when I attempted to apply the system at XXXX would drop the information. I attempted to call the helpline at XXXX. The operator assisted me in application process, but did not hear anymore about the application acceptance or denial of the application. I attempted a second call which was reassured of the process being completed. I attempted to make monthly payments of XXXX directly to the company. When the company forwarded our medical bill to H and R Accounts collection agency in XXXX XXXX IL attempting to work with this company on monthly payments of XXXX a monthly til XX/XX/XXXX when I asked for a total balance of my account to be paid off in full. H and R Accounts Representative " XXXX '' assured me that All accounts would be paid in full. I called three additional times to get our credit report updated from collections to non collection. However, this company refuses to remove the collection from our report. My husband and myself hired a lawyer XXXX to assist us with these medical bills our lawyer created a settlement for XXXX 's medical bills with XXXX XXXX XXXX and XXXX XXXX XXXX, however H and R accounts state we owe over XXXX dollars. I suspect when we paid XXXX on XX/XX/XXXX that our accounts were not noted correctly. I have attempted to contact this company three times to work this out. I explained that these bills are setttled with the settlement disclosed by our lawyer. Today, I attempted to talk to a manager at H and R accounts XXXX XXXX, he stated that these were still due. I attempted to explain the payment that was made in XXXX their company representative stated accounts were paid in full. But yet, now that is not the case ... I feel that H and R accounts have not credited our accounts correct attempting to cover their mistakes, and over fees.
Product: Credit reporting 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, 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: Mortgage

I called US Bank around the XXXX of XX/XX/2020 because credit reporting agencies showed that my mortgage account had been close due to a chapter XXXX bankruptcy. The represented said he would notify the bankruptcy department and my account would be corrected in XXXX. I called the bank today to see if the problem had been resolved. I spoke to 2 reps and didn't get anywhere. They then put me through to a supervisor who would not provide the bankruptcy departments phone number. Instead he insisted that he could only relay the message and that they only speak to bankruptcy lawyers. This is unacceptable, I would like to speak directly to the department who made this error on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received alerts on my credit report. When I check my report I don't recognize the listed 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
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXXXXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality undeXXXX XXXX XXXX XXXX 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

YOUR COMPLAINT CAPITAL ONE is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681 a ( 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 ( myself ) and the person ( CAPITAL ONE ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( CAPITAL ONE ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agencies ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. CAPITAL ONE 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 charge 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 screen shot from the IRS website. 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 CAPITAL ONE for the cancelled debt of { { 602.00 } } in order to file as ordinary income. Where is my 1099-C CAPITAL ONE 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! CAPITAL ONE has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In CAPITAL ONE terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and XXXX is not affiliate of CAPITAL ONE 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 the 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 written, non written, verbal and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681 s-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, in accurate. CAPITAL ONE must also refund the remaining balance of the consumer account upon its termination. This is your 7 day notice to return ALL money due from this consumer account.
Product: Student loan

Orginally I borrowed around XXXX for XXXX, I now owe around XXXX. 
After reaching out to Navient/Sallie Mae multiple times over the past 14 years, I was only given the option to interest only payments, and interest compounding forbearence, even though I stated I had no job, and would like to see if there were any other options. Recently I was told I was now out of any repayment options and " Just have to make the payments '' is essentially what I've been told. 

I also am stuck with a variable interest rate that has recently sky rocketed my payments, making it hard to make payments ( orginally i had XXXX dollar payments, but now have XXXX dollar payments just because of interest ). I was finally given income based repayment options, but only in the past 5 years, even though I was never given that option in the past, and had to redo the income based repayment program every 3-6 months, which was tedious. At the same time, I still was charged more interest over the total loan, instead of the repayment value. I now owe around XXXX more than i borrowed, and i don't see that going down, even while making on time payments. I orginally thought this was how loans worked, and had to just make payments, but have recently learned this is preditory and manipulative.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was asked by XXXX bank to give my SSN, as part of the XXXX process for a credit card application for a Business. I communicated to XXXX bank the card is for a Business, and the Business is its own multi member corp, trading for tax purposes as a corp due to multi member. The banker at XXXX, assured me the CREDIT card is under the name and federal EIN of the business, and my perosnal credit report, will not be affected. The bank lied. Now three years on the Company who owns the credit card, is in a court lawsuit. Littigation is before a judge, in AZ superior court of law. Arizona civil court file number XXXX XXXX Civil court. Link here. XXXX : XXXX caseNumber=XXXX Due to legal advice, and circumstances, the company XXXX XXXX XXXXe represented by a Securities attorney for white coller crime XXXX XXXX whos name also appears on the Docket number, has told XXXX XXXX XXXX not to pay credit card, as conflict dispute exists in court between the Business vendor, the debts on the card, were acrrrued on behalf of. XXXX XXXX XXXX ... and the Business, XXXX XXXX XXXX. 

XXXX despite making representations my credit will not be affected, has gone ahead, and reported the Business credit card for XXXX XXXX XXXX, XXXX as a personal individual debt, to at least Experian and transunion as {$10000.00} owing and unpaid. This is AGAINST the law. Potentially all three credit agencies have miss information being presented to them by XXXX and agencies are XXXX aware of the false report on my credit as delinqunet and past due, on a " Company credit card '' XXXX is reporting as PERSONAL. XXXX is markng it as an unpaid personal debt - on a {$10000.00} credit card under my name, when the ACCOUNT itself with XXXX card services is under XXXX XXXX XXXX and in leagel dispute in Court of Law. " XXXX XXXX XXXX XXXX '' the debt belongs to not me. This is unethical practice by a bank. In addation credit agencies have FAILED to validate the name on the Credit card account and are reporting it as XXXX XXXX, when it is in fact a Business card not a personal card at all. Also, I live in California, a state where XXXX was successfully sued and lost in the lawsuit for calling its customers on Cell, in conflict with California state laws. Despite advising XXXX, I do not want to be called on my Cell, and I live in California XXXX continue to call me. This is unlawfull, as I have withdrawn all consent for XXXX to call me on a personal cell.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF PERSONALLY. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNT AND INQUIRY DOES NOT RELATE TO ANY TRANSACTION THAT WAS MADE BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Your Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Amount Charged Off : {$3000.00} I believe that the issuance of a XXXX is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. 

Please send the XXXX form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know. 



Thank you for your attention to this matter. I look forward to your prompt response. 

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

Upon receiving my daily XXXX and Equifax credit reports on XX/XX/2020, I noticed that two previously removed items were re-inserted. The accounts in question, XXXX XXXX, ( account # XXXX XXXX and XXXX XXXX XXXX XXXX XXXX were deleted previously due to the company 's failing to properly identify me. This is a blatant violation of the FCRA, which it appears reporting violations are becoming a regular practice of XXXX  and Equifax. Moreover, in accordance with the FCRA, if any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the  information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Metro 2 reporting standard, I am writing to formally inform you of the need for ensuring that any claims are reported in a factual and accurate manner. I'd like to request that you provide me with tangible, verifiable evidence demonstrating the existence of this account and its legality. If I am not provided with this evidence, I shall insist that the account be removed from my credit file. 

LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

in the past i've been the victim of fraud and identity theft. I've sent multiple police reports and multiple ftc reports to XXXX to have hard inquiries removed. about a month ago I requested to have all of them removed and they are still reporting on my credit file