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

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am back to date with accuracy on my payments, I have always been a good payer and was told, as soon as I am back in track with payments to be accurate and my lates would come off from my credit report. 

I called to get all the help needed and XXXX had agree not to put any lates on my credit and they still report me late. 

The reason why I was late had to do with my job not been able to work was laid off for a few months.
Product: Credit card

Two fraudulent charges were applied to my account. I reported them. The account number was changed. Unfortunately, the company failed to credit and/or correct the charges, repeatedly. I am now on the fourth card number after a month of calling. They are unable or unwilling to make the correction. 

Currently, two fraudulent charges for {$100.00} from XX/XX/year> and two credits, ( {$100.00} ) and ( {$99.00} ) are showing on my account which leaves a {$2.00} balance. 

Previously, they illegally reported a {$100.00} balance to the credit reporting agency. 

They can not explain why they credited different amounts than the original fraudulent charges.
Product: Credit reporting

continue to report a bankruptcy as discharged and it was dismissed. see documentation of closed and dismissed see below
Product: Debt collection

Southwest Credit System added a negative account on all XXXX credit agencies, in the amount of XXXX, on XX/XX/2016. I contacted Southwest Credit System immediately by certified mail indicating that I am disputing said debt. I asked for validation of alleged debt in which Southwest Credit System has not been able to provide. I then sent two more certified letter asking for validation of this alleged debt, and Southwest Credit System still has not provided tangible proof this account belongs to me. They have continued to make late remarks on my credit report every month since XX/XX/XXXX as if I had a contract with their company, which I have never spoke to verbally or signed any documentation with this company. I feel they are in violation of the Fair Debt collection Practice Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Equifax XXXX XXXX XXXX XXXX XXXX. 
XXXX  XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) 2. ( XXXX XXXX XXXX XXXX & XX/XX/XXXX ) 3. ( XXXX XXXX & XX/XX/XXXX ) 4. ( XXXX XXXX & XX/XX/XXXX ) 5. ( XXXX XXXX XXXX XXXX & XX/XX/XXXX ) 6. ( XXXX & XX/XX/XXXX ) 7. ( XXXX & XXXX XXXX ) 8. ( XXXX & XXXX XXXX ) 9. ( XXXX XXXX & XXXX XXXX ) 10. ( XXXX XXXX XXXX & XXXX XXXX ) 11. ( XXXX XXXX XXXX XXXX & XXXX XXXX ) 12. ( XXXX - XXXX XXXX & XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 


My contact information is as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX
Product: Credit reporting or other personal consumer reports

On XXXX I called Experian about I dispute I placed on XXXX about a late payment error reported in my credit when I wasnt even late and they will not remover the 30 day late payment instead they just keep updating even after showing prove. I want this removed and for them to give me the XXXX points back they took off
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX XXXX, XXXX   DOB:XX/XX/XXXX SS:XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX   Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX.

I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you.

XXXX, XXXX   DOB:XX/XX/XXXX SS:XXXX  ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card

Ensuring timely payments on this account has always been my priority, never letting it become overdue. I don't understand the late payment reports on my accounts. Per 15 USC 1666b, this billing error should be corrected.
Product: Debt collection

I was contacted by Sequium Asset Solutions on XX/XX/XXXX at XXXX. I repeatedly asked for a letter of debt verification, and the agent told me they had sent one and refused to send another. I have never received anything from them. The woman was extremely rude. She first said the account was open in XXXX ( I was 5 at the time ) and then said it was open in XXXX ( I didnt have credit cards at the time ) and she also stated it was for a bank I have never heard of.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX2022 I received my citi bank card with credit limit of XXXX XXXX refused to report it after XXXX sent me 2 lettersXXXX22 and on XX/XX/XXXX22 that they sent letters to all 3 credit agencies that they update my file and that have been reporting to all 3 major consumer reporting agencies. XXXX has been inaccurately putting the wrong credit information. equifax accurately reported it no XXXX/XXXX/2022. I don't understand why I have to worry about an agency that is supposed to report information they receive and verify it's accuracy.
Product: Debt collection

Reference # XXXX This medical debt has been being paid every month without fail. I am annoyed and disgusted with XXXX XXXX XXXX for turning it over to collections for a mere 3 months of responsible payment. I respectfully request that this collection effort not show on future credit reports as the final balance was paid today.
Product: Credit reporting or other personal consumer reports

I am formally writing this complaint because it has come to my attention that the account I have with your company is constantly being updated and verified by the consumer reporting agencies. Specifically, XXXX. The account I have with your company is being disputed because it is shown inaccurately in my consumer report which is damaging to my financial reputation, and it ruins the integrity of my consumer report. 

This is not a refusal to pay anything so do not get the wrong idea and discriminate against me for exercising my legal right under federal law hence the Fair Credit Reporting Act. 

PHH MORTGAGE SERVICES continues to verify with the consumer reporting agencies through XXXX that the information being reported is accurate and complete. This is not the case. The account shows up as incomplete for the years XXXX, XXXX, and XXXX because it shows instances of No Data or a dash in the payment history section of the account implying that there is no record of the existing payment as seen in my consumer report.

The Fair Credit Reporting Act prohibits unverifiable information and incomplete accounts from being reported to consumer reporting agencies. I request that you provide the correct information that is factually missing as shown in my consumer report. I will highlight the areas and attach what I am seeing directly from my point of view.
Product: Debt collection

I currently have a credit card with XXXX XXXX XXXXt which uses XXXX XXXX as their debt collection. My minimum payment is {$40.00} and they call the very next day after the payment was missed 10 to 15 time a day. On XXXX XXXX, 2017 they called me 12 times starting at XXXX XXXX. I 'm making my payment today, and I understand I 'm the one that was late paying it, but I 'm feeling harassed by the phone calls every hour all day. In the past 6 days they have called me 46 times to collect the minimum payment. I do n't even want a phone anymore. I have addressed this issue with them over the phone before about the excessive phone calls, and they stopped. I just feel this is inappropriate to call someone that many times in 1 day. It gives me XXXX when I see my phone light up, I ca n't even have my phone on ring anymore. I have my complete call history from XX/XX/XXXX and since the due date they have called me well over 70 times.
Product: Credit reporting or other personal consumer reports

Subject Concern Regarding Reporting of Charge Offs as Income by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue regarding the reporting practices of XXXX XXXX XXXX XXXX, doing business as XXXX XXXX XXXX. Specifically, I am concerned about their treatment of charge offs as income in consumer credit reports. 

As per my understanding of the law, specifically 15 USC 1681 ( 2 ) ( a ), it is stated that no transactions or experiences can be reported as income on consumer credit reports. Charge offs, which are essentially write-offs of debt, are being reported as income by XXXX XXXX XXXX XXXX XXXX This is in direct contradiction to the regulations outlined in the aforementioned statute.i also have a 1099 C issued out from the CFO XXXX XXXX also is the screen shot of it with their email being XXXX that I sent the income to Furthermore, it is worth noting that the Internal Revenue Service ( IRS ) requires individuals to report such income on their tax returns, typically in the form of a 1099C or 1099A. However, the inclusion of charge offs as income on consumer credit reports seems to go against both the spirit and letter of the law. 

I believe that this practice by XXXX XXXX XXXX XXXX could potentially mislead consumers and impact their creditworthiness unfairly. It may also create confusion regarding their actual financial standing, as charge offs are not income in the traditional sense. Also XXXX statue of limitation code is XXXX and limitation is only 4 years for auto loan debt for a debt collectors to collect in the state of indiana they have been reporting for 4 years 7 months with an account thats considered a charge off within the last 2 years..I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure compliance with the law. Consumers deserve accurate and transparent reporting of their financial information, and any deviations from regulatory standards should be addressed promptly.

Thank you for your attention to this matter. I look forward to your response and any actions taken in this regard.
Product: Debt collection

I tried applying for an apartment and they checked my credit and I was denied they told me to check my credit because it came back as me having a charge off. I checked my credit and seen that I had a Target Credit Card on my credit report that I did not get myself so I am reporting fraud for this card because I did not request to get this card and it is on my credit report. I believe its been on my credit for XXXX years already, it looks like it was closed in XXXX of the year 2023.
Product: Checking or savings account

I attempted to open a checking account with XXXX XXXX and I was denied because of the information in XXXX XXXX I requested and received my early warning report and saw that Bank of America has reported that they closed a checking account I had with Bank of America on XX/XX/ due to checking account fraud which is NOT TRUE. I had a check that was given to me that bounced. That was it! Checks bounce in accounts everyday! It is not CHECKING ACCOUNT FRAUD. I am tempted to sue them for defamation of character. 

Bank of America has always been a shady bank as seen by the many issues that customers have had with their accounts with Bank of America, for example, XXXX XXXX XXXX And as a XXXX woman for Bank of America to do this is XXXX. They know that there wasn't any checking account fraud! 

I want this completely removed from my XXXX XXXX  account.
Product: Student loan

I have been trying to have XXXX XXXX provide a correct calculation of my eligible payments towards the Student Loan Repayment Program for the XX/XX/XXXX-XX/XX/XXXX period for about a year. They have incorrectly recalculated my eligible payments three times to date, to my knowledge. In the beginning of the year, after various incorrect recalculations, I requested a detailed statement showing which payments are qualifying payments and why. On XX/XX/XXXX I received a voicemail apologizing for the time it has already taken to process the request and to verify it is being processed. I called shortly after to confirm the request is still being process. I was told I would receive the document in my inbox within 30 days. It is now 4 months since that call and I have still not received the requested information. I have called numerous times and have been told they are still working on the request over at least 7 months from the initial submission and over a year and a half from submitting my initial verification.
Product: Checking or savings account

So currently, I am having a problem with this company called Upgrade debit card, but its also Like a company as well, but they Offer check and savings accounts. So currently I have {$480.00} within my account, but Im unable to withdraw during the time of me trying to withdraw my money from my account the company suddenly Place my account on a suspension. I asked for the reason why for the suspension they were unable to provide me with any answer so I just requested for my money to be sent to me within the check, but they said they were unable to help me at the moment which is a lie
Product: Debt collection

This company named Cooper, hoffman, klein and associates, has hounded me by telephone, at my home, work and my mother in law. They have used foul language at my place of work when asked to not contact me any further, they used the XXXX word to our receptionist at work, That persons name was XXXX, then I spoke to her I repeatedly asked her to not call me, I do n't know what she was speaking about in regards to owing something, I told her to send it to me by US mail, she told she did n't have to do that and that I was to pay up right then. They continue to call under many different numbers with automated messages, after they have been asked to stop many times. 
They have done every communication attempt in total disrespect! 
Frequent or repeated calls, Threatened to take legal action, general herrassment!
Product: Checking or savings account

Wells Fargo claims Im a security risk. They stated that there are too many disputes. My disputes on charges are all legitimate. Wells Fargo should not have forced closed my account. My account is scheduled to close on XX/XX/XXXX. Until then my account is frozen. I have {$2300.00} of pending credits ; they said the credits will sit for two days before they get sent back. I am unsure when the credits will come in and they said to call everyday to ask a Wells Fargo rep to check. This is outrageous! The bank is acting outside the norm.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Product: Credit reporting

Both Equifax and XXXX may be using unfair and inappropriate questions in their online screening and verification questionnaires prior to sending an online free credit report. Their motive may be to sell an online service providing that report, since many people like me do not trust the security the postal mail for sending and receiving a ready-made identify theft packet of information. Specifically, both Equifax and XXXX have asked me, when applying for an online report, whether I have a retail credit card for which the provider is XXXX XXXX. The tricky part for holders of XXXX XXXX is that originally the provider was XXXX XXXX, but that changed some years ago to XXXX XXXX XXXX. There are XXXX issues here. First, are XXXX or XXXX of these credit bureaus using XXXX XXXX as the correct answer, which was true at one time but has not been for a long time? Second, how can the consumer be expected to know the correct answer to such an arcane question anyway? For years I had mostly no problems getting an online report, but that has changed, despite no change of address or anything else relevant on my part. Given these perhaps inappropriate screening questions, and perhaps other such questions, my real options are to pay for an online report or get a free postal mail report, neither of which is a very good option, and the credit bureaus gain revenue from my dilemma, whether their questionnaires are clumsy and inappropriate by design or by accident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help I keep getting in accurate reports from XXXX XXXX. com and need help clearing my credit history reports hard and soft because there is a lot that is incorrect
Product: Student loan

My wife attended XXXX XXXX XXXX School in XXXX, CA from XXXX XXXX, XXXX to XXXX XXXX, XXXX. We were lead to believe that we needed to take private loans in order to pay for this " highly for profit " school education. We took out a loan from XXXX XXXX for {$38000.00} and got an addition of a {$2300.00} prepaid finance charge plus a {$6700.00} and {$2700.00} capitalized interest fee. We also took out a second loan to help pay for expenses while my wife was in school. The XXXX XXXX loan was originally for {$12000.00} which had the addition of a {$720.00} prepaid finance charge as well as a {$2300.00} and {$1100.00} capitalized interest fee. We took both of these loans and consolidated them with XXXX for a cheaper rate. Before the ink could completely dry with our loan XXXX, XXXX XXXX lured us back with just a slightly better rate. So we came back. But now with the interest from XXXX, the loan we took out from XXXX XXXX was for {$73000.00}. Since our first payment on XXXX XXXX, XXXX we have paid {$41000.00}. Of that amount {$32000.00} has been for interest ( {$1900.00} - capitalized interest ) with the small about of {$9300.00} being applied to the principal. Almost 10 years later and our loan of {$73000.00} is only down to {$63000.00}. It 's just not right. We feel like we 've been taken advantage of, lied to and ripped off. We find not only Navient and XXXX XXXX but XXXX XXXX XXXX to be at fault with their unscrupulous practices. Who knows where we might have been financially if not for the predatory ways. It 's caused great headaches and credit card debt and other consolidation loans all with the fear of not missing these student loan payments. We want them to pay for damages of stealing from us. For taking something that was manageable for us in the beginning and making it grow in to something that we feel like we will carry for decades.
Product: Credit card or prepaid card

My payment for my kohls credit card was due XX/XX/22. I made the payment XX/XX/22. I have proof of the time and date of the payment as well. My credit report is saying the payment was over 30 days late and has negatively impacted my score. I tried to call the company. They told me they see the error, they are sorry but they have to go through the proper steps and file it which can take up to 30 days. This has impacted my mortgage loan as well now. The company also refused to give me a deletion letter at this time and said I will get one in the mail which they have 30 days to do. They are breaking the facra fair and accurate credit reporting act. This is not fair especially since I have never made a late payment with them since I opened my card.
Product: Payday loan, title loan, or personal loan

Title max I have a title pawn with Title Max, in XXXX XXXX XXXX XXXX XXXX currently that I took out in XXXX of 2021. I went in on Friday XX/XX/XXXX to ask for a print out of every payment I had made to them. They could not provide me with said printout. By my calculations as of this month I have paid in XXXX per month ( sometimes more if I was late on the payment ) for a total of XXXX I tried reaching out to local news outlet, even an attorney and was unsuccessful in getting someone to help. Some months it has been a matter of keeping my car or eating. This title pawn was taking out during Covid when I had lost my job. I told them on XXXX  I simply wanted my title back because I have paid in more than 3 times my original loan amount which was XXXX. The mans name that is the XXXX  XXXX there is XXXX. He was very nasty to me when I went in there on that Friday. I know it is probably a shot in the dark reaching out, But I thought I would give it a try since they have recently been sued for misleading clients. 

Thank you.