23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have disputed a charge off of an account ending in XXXX with Capital One several times. I have requested that this account be removed from my credit report. Not only have I negotiated payment but I have also requested a 1099-C with no response to this request. Capital One has consistently refused to cooperate with my request. When a debt is charged off, the lender is to provide the consumer with a 1099-C. This is the result of the charge-off becoming income and income can not be reported as debt. 

Taxable income When a debt is settled after a charge-off, the difference between what you owed and what you settled for may be considered taxable income1. The IRS considers any canceled or forgiven debt as income, and you are required to report it on your tax return for that XXXX. Deeming an account a charge-off allows the creditor to write off the loss of the debt on their taxes, rather than count it as potential income4. The forgiven amount is treated as gained income, for which you should pay income taxes.

This reporting of a charge-off is inaccurate, which makes my reporting inaccurate. 
Per the 15 U.S. Code 1681e - Compliance procedures, section b states as follows : ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have been disputing this since XX/XX/year>. Please find attached my settlement letter, the email sent to XXXX XXXX XXXX, CEO of Capital One on behalf of the inaccurate credit reporting. I have also filed several disputes with XXXX, XXXX, and XXXX in reference to this inaccurate reporting and they have always come back verified. I have exhausted all measures of solving this on my own.
Product: Credit reporting or other personal consumer reports

Discover Bank, XXXX, XXXX, and XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well. Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. For example, XXXX currently shows a balance of {$1100.00} and a status of Open with {$200.00} past due as of XX/XX/year>2024, XXXX is currently showing a balance of {$1100.00} and an original balance of {$1100.00} with the initial limit as {$500.00} and shows last payment of XX/XX/year>2024 and is reporting XXXX late payments with a payment status of 30 days late and a past due amount of $ XXXX is reporting a balance of {$1100.00} with a credit limit of {$500.00} and has a payment status of not more than XXXX payments past due while showing XXXX late payments in the payment history.I would like this inaccurate account immediately removed from the credit reporting agencies immediately or a I will request the maximum amount per each violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect item on my credit report. It has been over XXXX  days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dont recognize credit inquiries Two inquiries from XXXX XXXX  dated XXXX and XX/XX/2020 XXXX Call XXXX XXXX and they said that they dont recognize inquiries after 40 days Call Transunion and they wont remove without FTC or police report Asked Transunion to verify or correct the error and basically got the run around about police reports and calling XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate.They never did a fair investigation according to the 15 USC 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through person 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 consumer 's credit record 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 funish a 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 or other personal consumer reports

Dear CFPB, I am writing to formally request your assistance in the removal of a fraudulent account from my credit report. In or around XX/XX/year>, my card issued by XXXX XXXX ( XXXX ) was compromised, leading to unauthorized and fraudulent charges. Upon discovering this activity, I immediately contacted XXXX to report the issue. XXXX canceled the compromised account, but I was never contacted for a review of the fraudulent charges or provided any clarification regarding their investigation. Despite repeated requests for updates and explanations from XXXX, I have received no response. 

The fraudulent charges continue to be reported on my credit reports and have had a negative impact on my credit standing. These charges were made without my knowledge or authorization, and my research into similar cases suggests that physical card theft is possible despite XXXX  assertions otherwise. 

To address this, I initiated a dispute with Experian, requesting the removal of the fraudulent account. My initial complaint with Experian was submitted as Complaint # XXXX. In response, Experian requested that I verify my identity by submitting identification documents, which I did on XX/XX/year>, as part of Complaint # XXXX. Despite my compliance, I recently received notice from Experian that an internal error occurred in the handling of my dispute. They are now asking me to resubmit the disputean issue caused solely by their mishandling and through no fault of my own. 

This repeated mishandling and the need to reinitiate the dispute process has further delayed the resolution of my issue and prolonged the negative impact on my credit standing. I am requesting the CFPBs assistance in ensuring that Experian promptly and correctly processes my dispute, resulting in the removal of the fraudulent account from my credit reports. 

I have attached all relevant documentation, including correspondence with XXXX, communications with Experian, and proof of my compliance with Experian 's requests. Your prompt attention and support in resolving this matter is greatly appreciated. 

Thank you for your assistance. 

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

I am filing this complaint because XX/XX/XXXX refuses to provide me with documents their company allegedly has on file that was used to allegedly verify the accounts i disputed. Being it has exceeded 30 days and they can not and will not verify these accounts under 611 ( 5 ) ( A ) of the FCRA. Please resolve this matter as soon as possible as it is gotten me denied credit on several occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB compalint to you today to order the Credit Bureaus to update and correct the dispute accounts and infomration that are erroneously rep [ orting on my Credit reprort! I have been sending multiple lettes requesting that the Credit Bureaus reinvestigate the disputed accounts from my credit report as well as place temporarily remove or update these items from my report during the investigation period. As of this date, you have failed to respond to my request. Again, please reinvestigate if the following items are inaccurate, incomplete and outdated. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance {$0.00} Date Opened XX/XX/2014 XXXX XXXX XXXX XXXX Balance {$8600.00} Date Opened XX/XX/2014 XX/XX/XXXX
Product: Prepaid card

I own a XXXX vehicle eligible for the XXXX fuel economy rebate program managed through a company I believe is called Blackhawk. I had a card that expired with a balance of {$230.00}. The paperwork with the card when it was received stated the card could be issued within 5 years of expiration by calling the phone # XXXX. 
In XXXX 2016 I contacted this number, spoke with " XXXX '' who told me my card would be issued within 30 days. 
On XXXX/XXXX/2016 I called because I had not received the card and was told I needed to " wait longer '' as it could take up to 8 weeks. 
On XXXX/XXXX/2016 I called again because I still had not received the card and was told the card had been issued on XXXX and I should have received it. I was advised the card would be reissued. My address was confirmed multiple times with each call. 
On XXXX/XXXX/2016 I called again because I still have not received the card and was told the issue had been " escalated '' on XXXX. I asked if the card was reissued as I was told on XXXX/XXXX/2016 and was told " Yes '' but apparently had not yet been mailed. I asked when it would be mailed and the agent stated he did not know and I would need to " wait longer ''. 
It has now been 4 months or more since I initially called, Blackhawk was reluctant to give me their company name, and is repeatedly unable to confirm any details about when this card will be received or what is causing a 4 month delay. 
I would like the CFPB to assist in the reissue of this pre-paid card in the amount of {$230.00}. 
Thank you for your help, XXXX
Product: Debt collection

In XX/XX/2019 XXXX by XXXX convinced us to get new windows throughout our entire home. They said they would help find a company we could finance this through. I was nervous about getting a loan I wanted to make sure we didn't get taken advantage of but the guy told us it was a good deal. We ended up with Aqua Fiance. I set up auto pay and havent missed a payment until earlier this year. 
The original loan amount was for {$21000.00}. I have paid {$10000.00}. This loan is a predatory loan I still owe {$21000.00}. I've tried calling them before and asking if we could re-fiance or anything and they said no. I was scared of hurting me credit. I finally decided to take a stand I called them and demand they work with me because it is ridiculous I still owe the same amount after paying half of the original loan. They refused to work with me at all on the interest rate or lower the price I still owed. So I told them I refuse to pay until they negotiate with me. Now they have filed a UCC " fixture '' on my home so if I sell or refinance they get that {$21000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus dated XX/XX/2022 to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1500.00}
Product: Mortgage

Several weeks ago I requested information on a loan consolidation from XXXX. They informed me that there was a Bankruptcy indication on my SLS, ( Special Loan Servicing ) account who services my XXXX mortgage, thus, XXXX denied me a loan until this matter is resolved. However, I have never missed a payment or ever filed for Bankruptcy at anytime in my life. I contacted SLS who has only delayed in admitting they made a mistake and to contact XXXX and the Credit reporting companies to correct this grievous error.
Product: Mortgage

I have my final mortgage payment today. I am also a deposit customer of PNC. I couldn't make my final payment online, so I called in. They told me that they have to either fax or mail me a payoff statement and that my only options to pay my mortgage off were by cashier 's check or wire transfer. This is not an early payoff ; it's just my last payment. I asked for other options since my payment is due today and I can not wait for a payoff letter, nor can I have one faxed. The agent, XXXX, told me those were my only options. Even though I maintain a deposit account with PNC, I could not just make the payment to them digitally or over the phone. I have to physically go into a PNC branch, have their payoff department fax a payoff statement, and then submit a wire transfer ( to my own bank ) for the payoff. It's 2021 and they are still processing mortgage payoffs like we did in the XXXX. They offer no other options other than forcing me to take time off work to go to a branch and handle this in-person, during a pandemic. If I waited for them to mail a payoff statement, the payment would be late. This is incredibly customer-unfriendly, and it seems they're purposefully making the process of paying off a mortgage as troublesome as they can. I asked to speak to a supervisor and was denied and told they will just tell me the same thing. I asked to file a complaint and the agent told me she took my compliant, but couldn't give me any kind of confirmation.
Product: Credit reporting or other personal consumer reports

I obtained my credit reports from all three credit agencies, and I found this inquiry on my XXXX report. I am unaware of this inquiry from XXXX XXXX I do not have an account or contract with this company, nor have I reached out to this company for services.
Product: Checking or savings account

On XX/XX/XXXX, Chase unexpectedly closed my checking and savings accounts without providing a clear explanation. At that time, I was informed that refunds from both accounts would be processed within 10 days, and I should receive the funds within 30 days. Today is XX/XX/XXXX, and despite two months having passed, I have received no communication or updates regarding my refunds. 

As an international student studying in the United States, this situation has caused me significant distress. I have had to borrow money from friends to cover my rent and other essential expenses, as I rely heavily on the funds that were in my Chase accounts. The prolonged delay in receiving my money is placing an immense financial burden on my family, who are already struggling to support my education. In fact, they are considering selling our house to ensure I can continue my studies. 

Additionally, due to not having access to my funds, I have been incurring increasing interest fees on my credit cards every month. The financial strain and uncertainty are severely impacting my mental health, causing my anxiety to rise with each passing day. 

The sudden closure of my accounts and the missing refunds have severely disrupted my plans. I had budgeted for various academic and personal expenses, including purchasing textbooks, paying for essential utilities, and participating in academic activities that require fees. Without access to my funds, I have been forced to drastically cut back on daily expenses, often limiting myself to minimal amounts just to keep alive. This is not only affecting my physical well-being but also my ability to focus on my studies and participate fully in campus life. 

Furthermore, the financial instability is making it difficult for me to make long-term plans. I am unable to commit to necessary academic programs, internships, or even consider travel plans to visit my family, which adds to the emotional strain of being far from home. 

I am seeking your assistance in resolving this matter promptly. I have attempted to contact Chase multiple times, but I have not received any satisfactory responses. I am extremely concerned about the lack of transparency and the undue delay in processing my refunds. 

I would greatly appreciate it if the CFPB could intervene and help expedite the resolution of this issue. I am requesting a thorough investigation into why my accounts were closed without a clear reason and why the promised refunds have not been processed within the specified timeframe.
Product: Payday loan, title loan, or personal loan

Submitted an unsecured loan application communicating that I did not own a vehicle and the only offers they actually gave me were ones for secured vehicle collateral loans. 

The entire premise of the loan application was under an unsecured loan basis, I submitted the information that I did not have a car for collateral, and despite making it clear I did not have collateral for this loan only received dozens of offers for collateralized loans.
Product: Credit reporting

I submitted a dispute online on XXXX XXXX, 2016. As of XXXX XXXX, 2016, I had not received any proper notice of investigation results so I sent a letter to Equifax, certified mail, return receipt requested, informing them that it had been over 30 days and I had not received a response. I never received anything in response to my letter dated XXXX XXXX, 2016, which is attached for review. However, on XXXX XXXX, 2016 I received results where XXXX of my items were deleted accurately from my file however, the other XXXX listed were not deleted and continue to be inaccurate and should be removed as well. Upon calling the number listed ( XXXX ) on XXXX XXXX, 2016 and XXXX XXXX, 2016, speaking with five different representatives, many located out of the United States, I just could not receive the necessary and adequate help needed over the phone. The representatives appeared unknowledgeable regarding their own practices and policies at Equifax.
Product: Vehicle loan or lease

I financed a vehicle through Carvana. The vehicle had XXXX miles on it at time of purchase. This vehicle was said to pass all inspections. And had everything up to date in terms of services. Shortly after driving the vehicle, mind you my check engine comes on. I bring it to the dealership that makes the car. And I contact Carvana asking if they would be willing to help since the car was in their care for these miles that this inspection was never done. I was charged an insane amount of money to fix this issue with the purchased car from Carvana. It didnt have the XXXX mile service. A few weeks go by and the check engine light comes on again. Different issue. Charcoal canister needs replacement. Then again fuel economy sensor , drive sensor. In conclusion I purchase this car in XXXX of XXXX. Since then Ive put roughly 6 thousand miles on it. Ive had it serviced 4 times. And taken to the dealership 6 times for a check engine light. This car had multiple internal issues that was never dealt with before selling to me. As well as physical issues such as an issue with my turn signals. Which was reported to be fixed in the XXXX, but it still persists to this day. I even had my gas cap replaced. And next I fear the breaks are going. All this in XXXX XXXX miles. Outrageous. The car in question is a XXXX XXXX XXXX XXXX XXXX sport. So you can imagine the bills Ive had fixing things that Carvana should have had fixed before Selling the car to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership to cosign a car at XXXX XXXX XXXX XXXX XXXX, and the salesperson told me that they were only going to allow XXXX XXXX to pull my credit report. However, they ran multiple hard credit inquiries on my credit report with the companies listed below. 
I want all the below inquiries deleted from my credit report. 

XXXX 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

Account is not mine. Credit alert set up and police reports sent in regards to existing fraudulent accounts. 

This frauduent account new on my credit report : Date account created was XX/XX/2015 right after my ID theft report. 

Never opened this account, never been late on a non existing account. 

Account number on credit report : XXXX Called with no resolution. 

Please resolve, thank you both XXXX and Transunion, XXXX XXXX XXXX
Product: Debt collection

Company agreed to settle debt once paid Im full. The original creditor is XXXX. The account was paid in full months ago.
Product: Checking or savings account

On XX/XX/2021 there was a fraudulent transaction from a merchant that called showed on my bank statement by the name of XXXX, in the amount of {$190.00}. Along with several other fraudulent transactions that had been made on my account, dating back a month before, all from the same or similar fake named merchants, and all of them for the same amount of {$190.00}, all together totaling {$790.00}. As soon as I noticed the transactions on my account, I attempted to reach the merchant or whoever they were via the phone number on the bank statement, all to no avail. The numbers were either disconnected, or were recordings that would just hang up on me. So I tried to call my bank, and after waiting on hold for hours, on XX/XX/2021, I was able to finally talk to someone and let them know about these mysterious transactions. I had explained to them that I had no idea who or what the transactions were from. And that I had not purchased anything for those amounts. They said they would do an investigation to find out and after I had to send them a hand written statement stating that those transactions were fraudulent, they finally accredited my account for the {$790.00}, as a provisional credit. It took a little over 2 months for them to finally get done with " the investigation '', and we finally got letter from the bank on XX/XX/2021, saying that ended up denying my request! And that they were going to take back the provisional credit that they had put in my account, and that if the money wasn't in the account that I would be responsible for the money owed to them! They said that they some how got printouts from the fake merchant showing that I had made at least one of the transactions. Even though the phone number on the paperwork for that fraudulent business or merchant, was disconnected! Some how they got ahold of them even though it was all a fraud!?! I want to know how they even got in touch with the merchant in the first place to get those bogus printouts!
Product: Credit reporting

My husband and I own a small business that is incorporated. XXXX XXXX XXXX XXXX offered us a new processor, better rates, no application, monthly or annual fees. After making the offer and agreeing to that arrangement they needed my personal information instead of the Corporation 's. All that was fraud, XXXX months later charges started coming in. We cancelled the service and had to change the Corporation 's bank account. Many months of them harassing us they turn it into collections. But they reported it on my personal credit reports. This is not a personal issue and now my report is tarnished.