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

XXXX is reporting inaccuracies to my consumer report. My address is inaccurate also. Charge Off Accounts is a forgiven debt. Income can not be reported on my consumer report. 15 USC 1681 ( e ) B States ( 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. 

XXXX. XXXX XXXX XXXX Account Ending in ... XXXX ) Account Status : Reported as charged-off with a balance of {$340.00}. 
Issue : I have not received a XXXX-C form from this creditor for the cancelled debt. According to the IRS guidelines, a XXXX-C should be issued for any debt over {$600.00} that has been canceled, discharged, or forgiven. The absence of this form has led to potential tax implications that I am not prepared to address. 
Request : I request that you verify with the creditor that the 1099-C form has been issued for this account and provide me with proof that it was sent to my correct address. 

XXXX. XXXX XXXX XXXX XXXX  ( Account Ending in ... XXXX ) Account Status : Reported as charged-off with a balance of {$1300.00}. 
Issue : Like the account above, I have not received a 1099-C form for this account despite the debt being forgiven. The creditor has violated the IRS reporting requirements by failing to issue the form. 
Request : Please confirm with the creditor that the 1099-C form was issued and provide documentation of this form being sent to me. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Account Ending in ... XXXX ) Account Status : Reported as charged-off with a balance of {$2600.00}. 
Issue : No XXXX form has been issued for the canceled debt, which violates IRS regulations XXXX 
Request : I request confirmation that a XXXX form was issued and sent to my correct address by this creditor. If not, this failure to report is a violation of both tax law and my rights under the FCRA. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account Ending in ... XXXX ) Account Status : Reported as charged-off with a balance of {$2300.00}. 
Issue : There is no record of the required XXXX-C form for this debt cancellation. This oversight has resulted in an inaccurate representation of my financial status.

Request : Please provide evidence that the XXXX-C form was issued for this debt or request that the creditor issue the form immediately.
Product: Credit card or prepaid card

I had noticed unauthorized charges on my Capital One account and contacted the Fraud department, I reported the transactions and was credited back. However then I was re-billed for those same fraudulent transactions, even after both Capital One and XXXX  indeed verified it being fraud. 

I contacted XXXX and they admitted it was fraud and that they had " taken a loss '' yet I am still somehow responsible for these charges I did not authorize? 

We validated it as the items were delivered to a random address I am not associated with. 

I was re-billed on XXXX XXXX for {$32.00}, {$48.00}, {$64.00}
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint and was not resolved, and the law was not upheld. Equifax did not address how they failed to respond to a few of my dispute letters even though certified mail tracking via USPS confirmed they were left with an agent! The company didn't address my right to privacy being violated. For example, I STILL don't know how companies such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX obtained my private and personal nonpublic information to be able to furnish information onto my credit report to nonaffiliated third parties, such as Equifax! How did they get my social security number and who gave it to them??? Another thing that was never addressed by Equifax is that I also never consented to have these companies to furnish information onto my credit report XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX. These companies do not look familiar, hence why I asked for physical documentation, such as any original agreements, along with the clear and conspicuous opt out disclosures, which the law states must be " adequate ''. If I am remiss, and actually signed these documents, I need to see them! Furthermore, Equifax never addressed that when a consumer informs the credit reporting agency or original creditor of inaccurate information, they are to discontinue reporting the disputed information until the information is deemed inaccurate or factual. This did not occur! Equifax reported the entire time! Adding dispute remarks does not change the fact the this law was not followed!! Lastly, I did not consent to E-Oscar verification. I do not consent to E-Oscar verification going forward! Equifax never provided me with any real proof or documentation for the methods used during their alleged investigation, which I have the right to request!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a late payment on my account that is being reported on my credit file and I have never been late.The information including my address and spelling of my name is also incorrect.
Product: Debt collection

Chrysler Capital has been consistently reporting inaccurate information to the 3 credit reporting agencies regarding my account with them for the last 24 months. They report I am 30 days late each month which has damaged my credit score and kept me from being approved for a loan that I would be eligible to receive if they would simply correct their mistake. I sent a letter to XXXX about the inaccuracies and they only corrected 5 months of late payments. When I sent them another letter, they retaliated by sending a letter of " Notice of Right to Cure ''. I have proof of cleared checks from my banking institution for each monthly car payment and I've printed out information from XXXX 's database that logs my monthly payments. There is nothing there that states I am late. Now the letter I received today ( XX/XX/2021 ) was dated for XX/XX/2021 is a Notice of Right to Cure, requesting I pay the full balance of {$4900.00} by XX/XX/2021. XXXX has horrible business ethics and are retaliatory because I am exercising my consumer rights are being violated and my credit scores are being negatively affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

No open account associated with these inquiries and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. update my information and remove this incorrect data my name is XXXX XXXX XXXX my phone is XXXX XXXX XXXX my employers XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  my address are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 I HAVE CONTACTED YOU NUMEROUS TIMES, YOU MAKE IT DIFFICULT BY PHONE, ONLINE I AM UNABLE TO ACCESS MY ACCOUNTS REMOVE AND SUPRESS THESE INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS, THEY ARE NOT MINE I HAVE NO KNOWLEDGE, OF THEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX of 2020, I reached out to XXXX regarding my credit card ending in XXXX & made a payment over the phone. At the time my account was a few days past due ( but less than 30 days ) so I incurred a late fee, which they were nice enough waive. I inquired if they offered a hardship program, they offered a 3 month deferred plan which I accepted. A few weeks later, I got an alert from a credit monitoring service ( Transunion ) notifying me of a late payment reported on XXXX of 2020 by XXXX. I called them immediately and disputed the late payment, they told me it was a mistake & it would be removed. Till this day when I call they agree to the situation but can not send me a letter to the removal of the late payment. I was enrolled in a hardship program with them that was 3 months long. All these conversations were on a recorded line. I don't understand why all the trouble. My credit since then has dropped and it has been difficult to obtain a mortgage. Pleae help me remove this late payment. Other than this I have exceptionable payment history and would like it to reflect as much. 
Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Dispute with Equifax 5 time the latest was on XX/XX/2021 for Chapter XXXX  bankruptcy it came back valid three days later I sent Equifax validation letter they sent me a paperwork back saying it was validated by XXXX I had disputed it with XXXX in XXXX they had already ready sent me a letter saying the chapter XXXX was invalid removed it from my report on XX/XX/XXXX Equifax keeps saying its comeing back validated though XXXX and its not I have a copy of my XXXX report and and a letter from them stating it not a valid Chapter XXXX  and a letter from the court stating that it not either and that I should possibly sue because they are reporting wrong information and refuse to remove the wrong information
Product: Checking or savings account

Fraud-Unauthorized checking and savings Money mule scheme/identity theft Please contact PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Square ( Cash APP ) Financial company will not allow access to my account which has {$450.00} held in the account established since 2020. I contacted the Support Chat for assistance that provided steps to access the account. I was unable to take the steps because I had no access, so the case was elevated and I was provided a $ XXXX, Ref # XXXX number. I provided all the pertinent information on the account to identify myself and others users on the account. After 3 weeks and 4 different CASH Support representative, a decision was made that could not be overridden. I asked was there a Fraud and Security Dept and they responded with the same comment. I ask for lead supervisor and they would not refer one to me. I ask about the balance in my account and it was stated that it was nothing they could or tell me. They stated there was nothing that could be done. I contacted the XXXX and saw over 4,000 complaints. I decided to file a complaint with CFPB. Attached are the email strand of discussion with CASH APP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit pass complaint to XXXX and Experian measure the act and report herein to remove XXXX credit inquiry, and fault of association assuming lower credit score and their loss is a debt and has no other financial registry 's for applicability used uses with out gain passed my credit score and fabulous report.
Product: Credit reporting or other personal consumer reports

XXXX different certified mail letters disputing the accuracy of the reporting requesting actual proof that I owe the debt and XXXX if it was written off, and I never get any response just automated verification which is not certified information they must remove the inaccurate information it's causing great harm
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, and I have no idea how they got there. I check my report regularly, but this time there were unexpected discrepancies. I refreshed my browser hoping it was a glitch, but the inquiries didnt disappear. Please review the documents Ive submitted immediately, so I can stop worrying about this happening again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  You replied that the alleged transaction that you identified as late is validated. You have no proof that this alleged transaction was late. 
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 
2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! 
You have 10 days to send me all the required information. 
XXXX XXXX your reply to my dispute is Verified, have you verified what the requirements are for a creditor to treat a payment as late? The fact that you verified the information means that you are in possession of the information that was sent or mailed 21 Days before the statement date, and you are in possession of a copy of all information from 15 USC 1637 ( b ) and the Certified mail tracking number that proved the delivery of said information for you to verify this item as late! I am requesting a copy of the information pursuant 15 USC 1637 ( b ) and the tracking number that was used to prove delivery of said information to me the consumer 21 days before my statement date regarding this account. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Mortgage

The service provider BSI financial has refused to provide a payoff letter for the refinancing and/or sale of subject property. In fact because of their inactions and refusal to act appropriately in under state and federal law. They have decided to force the property into bankruptcy. Additionally, documents show that there is an a fraud going on with the escrow account. Based on a letter from the provider, there was {$9000.00} in overage and an escrow account. The BSI refused to pay the taxes on the property even though the funds were in their account. Now all of a sudden the account is down to about {$3000.00}. Only thing done is they took money for themselves. They have constant lies about everything. They obtained a judgment for {$470000.00} in XXXX XXXX supreme Court. However of that is {$64000.00} in legal fees. They have given us numbers of {$470000.00} and {$530000.00} roughly and everything in between. The law firm has made accusations against a home inspector and made accusations against the law firm representing the property in bankruptcy. They have made false and repeated statements including claiming payments were not being made post bankruptcy file when yet they were. Now they claim they're only owed {$490000.00} but yet refused to give a payoff. You need to look at this case if you're really there to help us out. They also made statements to the bankruptcy attorney that they will do everything to ensure that the landowner is not successful in refinancing and or selling the property. This is proven by the fact that a plan was offered to sell the property to make the bank whole. The bank opposed the sale which would have happened within a 14-day period. They demanded the court that we seek a higher and better offer. When is it the business of the bank if they're paid in full to ask for anything more than what they're entitled to. They have done nothing but cause stress aggravation and defrauding the landowner of their rights under federal and state law.
Product: Credit reporting or other personal consumer reports

I had a delinquent account with a substantial balance. I paid the account off in full through an agreement. The credit report is still showing an account balance when there is a XXXX balance, as agreed with the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert via email from Experian letting me know that I had a 20 point drop in my FICO Score. ( XXXX-XXXX ) I logged into my Experian account to search for the issue, after searching I could not find the reason for the drop. So I called Experian to asked them the reason for the decrease because I can not find it on my report. The rep. ( XXXX employee # XXXX ) told me that the reason for the dropped was because I paid my Credit Card off " on time ''!!! I told her that I never heard such a thing ever. I asked her how can you tell that paying my bills on time can cause a drop in my score? She responded with " I am not a financial advisor " { but I will be happy to give you a number to one ; so they can explain why the drop in score and help you with credit ideas } I went on to tell her that no one loses points for doing the right thing by paying off your bills on time! She told me there's nothing she can do to change it back or investigate. I told her ... I never heard that a credit reporting agency can't help or investigate a problem for a customer with a legitimate issue unless its fraud within the company.
Product: Debt or credit management

I have sent a Certified debt validation letter. I asked for a credit report never received it. I am a victim of identity, theft, and nothing is happening. I need to get my life back in order as soon as possible. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. 
In requesting documentation none was provided. Due to identity theft this should be removed immediately
Product: Money transfer, virtual currency, or money service

XXXX XXXX company receives my monthly social security payments, and are suppose to have it available monthly on my card. Well, a month ago, someone made an unauthorized purchase in the XXXX XXXX on my XXXX XXXX for {$800.00}. I filed a dispute claim, I live in XXXX Pennsylvania. After, about 15 days or so the XXXX XXXX company put the {$800.00} from the unauthorized transaction back onto my XXXXXXXX XXXX. Now, I was expecting my social security payment for today XX/XX/2019 Only to find out that XXXX was deposited by the social security administration to my XXXX XXXX Account, but that the XXXX company deducted the {$900.00}. Dollars because they said that the XXXX dispute on the prior claim on the XXXX XXXX purchase was not finalized. So, they took my social security XXXX payment because of that. I never been to the XXXX XXXX, I live in XXXX Pennsylvania. I dont buy any products online. The {$800.00} purchase made was unauthorized. And this XXXX XXXX  company is not only penalizing me for that unauthorized purchase, but, fraudulently, advance me back my own money, and then the following month of XXXX XX/XX/2019 deducted {$900.00} from my social security again on this fraud purchase made by someone other than myself. They have put me in a vulnerable financial situation in paying my living expenses over the last few months because of their unethical business practices. They have showed not concern for me or providing immediate resolutions to these issues and problems concerning my account. I have been backed up in paying my bills and because of them have experience more health issues. Their telling me, that it takes 180 days on a claim dispute issue, to finalize even tho I live here in the United States and the unauthorized purchase was made in the XXXX XXXX, which I have never been too. Then, they put the money on the card and take it out of my followings social security payment as if they given me a loan on my own money, that they owe me. The {$800.00} and this month of XXXX, {$900.00} They have taken from me via my social security payments. They are giving me nothing but a hard time with retifiying this situation. So, today I have filed several complaints against this company for shady unethical business practices. And I want all my hard earned money return to me immediately.
Product: Checking or savings account

I have few transactions from the XXXX XXXX payments deducted from my account in the amount of {$7400.00}. These payments from several months. It not showing on my XXXX XXXX statement that the amount was deductible from my checking account. I called XXXX XXXX and they told me to contact my bank because these several payments were not deductible from XXXX XXXX bank. I contacted my bank PNC they saw all my transactions and verified that these transactions are fraudulent and they have open the new account and disputed to the bank. But after few days they have send me the letter that they are denying my all disputes which are total XXXX disputes from XXXX XXXX. I went again to the bank and met with the XXXX XXXX XXXXXXXX showing the denial letter and showing all the transactions with XXXX XXXX bank payment history for several months. She have verified all the transactions and talked to the disputes department and refile my disputes. After a week I received another denial letter from the bank.
Product: Credit reporting or other personal consumer reports

Someone has stolen my identify and these accounts are not mine and I want than remove from my credit report ASAP, I have a pin number with the IRS that my Social was stolen, and I have credit alerts, and I want these accounts removed from my credit report attached the information below please review. 
Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX