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

According to the IRS, an unpaid charge off is income. According to the FCRA, income can not be reported on a credit report. I have recieved a 1099-C for the accounts listed here : ( Account numbers XXXX, XXXX, XXXX, XXXX and XXXX ). After checking a copy of my most recent report, it appears these accounts are still being reported. These accounts can not be reported on my credit report ( according to law ), not even to mention violation of 15 US Code 1601b.

I demand these accounts to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a collections that is not mine. 

XXXX XXXXXXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
{$370.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau has not removed fraudulent account from my credit file. This account is a result of identity theft and I have submitted all required documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I pulled my credit report from XXXX  and XXXX  and to my amazement, saw that a creditor was reporting me as a charge off. I immediately sent a dispute letter via certified mail dated XX/XX/2021 ( Tracking # : XXXX ) to validate this debt. I never received a written response to this inquiry. 

After not receiving a response, I disputed this information with XXXX  and XXXX  directly. I got a letter back about three months past my original inquiry date stating that my debt was verified. However, this debt is still not validated per the requirements of the FCRA.
Product: Credit card or prepaid card

On XX/XX/2022 a balance transfer in the amount of {$1100.00} ( check XXXX ) was listed on my statement along with a balance transfer fee of {$58.00} on XX/XX/2022. I did not write this check and I never had a check # XXXX. The account ended in XXXX. They have since closed this account and issued new cards. 
I have called the fraud and customer service departments multiple times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have been told they are investigating it and I have been told they will remove the charges. I received my latest statement this week with a due date of XXXX and the charges are still on the account. Additionally there is a NEW balance transfer fee of {$170.00}! The account has not been used since the dispute was filed. This charge is also fraud. 
Cit Bank has not properly responded to my repeated requests. I am dissatisfied with their response, the lack of training they provide their staff, and the amount of time I have spent on this without correct resolution. 
All of these charges should be removed, the account should be at {$0.00}. 
Thank you for your help,
Product: Credit reporting, credit repair services, or other personal consumer reports

The whole year of 2017 i had sent letters after letters to XXXX  and Transunion complaining to them that my files are crossed filed with my fathers, hes a XXXX and I am a XXXX.The item is a Repossession of acc #  XXXX that's reporting on my file and their response is that its been verified as mine. I've written numerous of letters stating that i need verification of the contract that was signed by me as the consumer with my social security number on the contract, but they have not produced no contract at this time. I am fed up and about to go file with my claim if this does not get resolved soon. I have already sued them before for what they have done to my reputation and about to do it again if this item does not come off my report with out verification. This has happen to me before with our files getting mixed up.I need them to provide me the burden of proof that i was the buyer of the vehicle when purchased with my signature and social security number on the contract.
Product: Student loan

Dear Consumer Financial Protection Bureau, I am seeking assistance with my Navient Private Student loans to prevent default on XX/XX/2017. 

My husband and I have been making monthly payments ( according to Navient 's letters to prevent default ) and ongoing communications ( mail, fax, phone ). However, it seems Navient continues to deny our efforts. 

I have attached a payment confirmation and communications .pdf " Navient Log File of Events '' to validate my facts for support. 

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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX : Balance : {$110.00} Account Name : XXXX  XXXX  # XXXX : Balance : {$9900.00} Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX : Balance : {$74.00} Account Name : XXXX  # XXXX : Balance : {$5200.00} Account Name : XXXX  XXXX # XXXX Account Name : XXXX  # XXXX : Balance : {$950.00} Account Name : XXXX  # XXXX : Balance : {$6700.00} Account Name : XXXX  XXXX  XXXX # XXXX : Balance : {$4100.00} Unauthorized Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Notice for Proof of Claim Account : SEQUIUM ASSET SOLUTIONS , LLC BAL {$7300.00} To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXSpoke with Supervisor, XXXX XXXX and explained he acknowledges and explained that I was again given inaccurateinformation regarding sending in a typedletter by agent, XXXX XXXX and apologized for their mistake and negligence. Contrary to previous agents direction, he requested a letter be sent in and and specifieda hand signature. That request was done right away and sent over. Again, further delayed due to companies negligence. 

XXXXCalled to inquire about receipt of info. Spoke with agent and was told that the previous agent neglected to indicate that newly requested attached additional info should have been submitted. She apologized for the negligenceand I sent it over. Again, further delayed due to companies negligence. 

XXXX XXXX Followedup with XXXX XXXX to confirm receipt of requested letter. Again, No receipt, confirmation or acknowledgement. 

XXXXI spokewith XXXX XXXX and she requested a dispute letter and indicated that it could be typed. The dispute was typed and sent directly to her as advised. No receipt, confirmation or acknowledgement. 

XXXXTo Whom It may Concern : We were told by your agent that we would not be penalized due to the implications of the natural disaster, Ian, in XXXX XXXX Our account is noted that I was impacted by the storm during travel and was unable to work due to family placement. We are currently back on track and saddened that we were given misinformation which has further impacted me and my family. I am requesting that the payment be removed as late from my credit as I was misinformed by your agent. Please assist us with this matter. Kindly, XXXX XXXX XXXX
Product: Credit card

" My account was opened in XXXX '' my account history shows how I handle my accounts. " I reported my card lost and closed it in XX/XX/XXXX '' my account was also compromised. Bank of America charged fees and interest on account originally ending in XXXX then changed to ending in XXXX in XXXX the card was reported lost and closed to both Bank of America and the credit bureau in XX/XX/XXXX, additionally the company caused additional costs to be incurred, I did advise them not only was my credit card lost but I was also locked out of online banking and not receiving statements due to the compromise. Bank of America was contacted on countless occasions to refund these back to me and issue a check, Bank of America neglected to do so, I was transferred back and forth and even hung up on several times. Additionally, my information on the account was changed by and associate to prevent properly verifying me by phone. BANK OF AMERICA CONTINUES TO PASS MY ACCOUNT AROUND AND ROUTE ME TO A PERSON 'S VOICEMAIL. THE RECENT ONE ALSO DOES NOT HAVE A UNDERSTANDABLE AND CLEAR VOICEMAIL. PLEASE RESOLVE THE ISSUE BY REFUNDING THESE FEES AND INTEREST CHARGED AFTER THE CARD WAS REPORTED LOST AND CLOSED. I DO NOT HAVE A HISTORY OF LATE PAYMENTS, THANK YOU.
Product: Debt collection

Carter Young has an account from a dorm where my daughter lived when she attended college, but left owing when she quit school. The debt is listed as a joint responsibility on my credit report. I have requested from Carter Young to send me documentation with my signature on supporting documentation and the flat out refuse. I spoke to 3 managers today and each one refused to send me the documentation. Not only that, but they will not allow my daughter to make payments. So each time we save up the money, then attempt to make a lump sum payment, the amount increases by {$100.00} or more. The original debt, was {$700.00}, but is now up to {$4300.00}. Which, in my opinion, seems excessive. The last I spoke to them today, they told me the only way to pay now is via XXXX XXXX, which I have never heard of using to pay a debt. They also refuse to send a letter once payment is made showing the debt is paid. Also, their website has been blocked from us making a payment via online. This company has a very bad reputation and if you view other comments, others have had the same situation happen to them as we are having now. Again, they have refused to submit any documentation with my signature showing responsibility for this debt. My daughter has told them it is her debt and not mine, but they still refuse to listen. Can you pleas assist me. I truly believe their business practices are unethical. Thank you
Product: Debt collection

I was not properly notified of a debt that I am willing to pay. I never was mailed a bill or able to settle my account which I would have willingly done. This only came to my attention when the debt hit my credit report, 9 months after the collection agency reported they received it. The company stated it was illegal to deletethe account according to the Fair Credit Reporting Act and that statement in itself, is actually a violation of the Fair Credit Reporting Act.
Product: Debt collection

Dear Mr. / Ms . C.F.O. : I REFUSE TO PAY THIS DEBT or ANY DEBT WITH PAYPAL/ SYNCHRONY BANK!

Your company has repeatedly overdraft my bank account, claiming that I owe a debt under PAYPAL/Synchrony Bank account number Account Ending In XXXX XXXX do not believe that I owe this debt in pursuant to 18 U.S. Code 8, and I am disputing it and allowing you appropriate time to show evidence of this debt to be valid. 

Such conduct from your company has caused me to suffer severe Financial Harm, humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 USC 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt.

I demand that you cease and desist from this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating XXXX XXXX account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communications to XXXX XXXX by Email, mail, and otherwise. 

If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. I may still choose to prosecute for commercial copyright infringement for which your company is hereby liable. 

Kindly govern yourself accordingly. 

Respectfully Without Prejudice, XXXX XXXX Secured Party Creditor, Attorney in Fact
Product: Mortgage

I have filed a complaint in the past regarding XXXX XXXX utilizing wrong information to calculate my request for a loan modification so I could keep my house after my divorce. Due to this error, which really should be checked into for private investor loans not just XXXX, XXXX, and XXXX, my house was put into foreclosure as I had to stop paying in order to procure a short sale that the divorce courts ulitmately ordered because XXXX XXXX would not work with me to get my ex husbands name off the loan. Ultimately, during the right to reinstate period I ended up with a short sale in XX/XX/XXXX. 

I have just been notified that my " LOAN '' was sold to Rushmore Loan Management Services effective XX/XX/XXXX, 3 months after the approved and closed short sale. I have been in touch with Rushmore Loan management XXXX XXXX XXXX as well as a general Loss Mitt representative regarding the sale of the house multiple times already. Now they are threatening foreclosure and hurting my credit rating instead of doing their due dilligence. 
Between XXXX XXXX and Rushmore Loan Management, I have incurred more XXXX issues and feel this is XXXX XXXX retribution against me because I have filed multiple complaints against them. This is causing additional stress to myself and my family not to mention now I have to watch my credit for false reporting AGAIN!!!! This is continues Harrassment on the part of XXXX XXXX and now Rushmore Loan Management.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised in the Equifax data breach. I did not authorize sharing my personal credit information. Equifax was irresponsible in its security.
Product: Mortgage

I am a XXXX year old man trying to hold on to my home. I was two months behind when I contacted XXXX XXXX around XX/XX/XXXX at Nationstar bank trying to set up a payment plan. After about an hour or so being on the telephone we hammered out a payment plan : The agreement is as follows : XXXX payment for {$290.00} Confirmation # XXXX : XX/XX/XXXX payment for {$1000.00} Confirmation number XXXX, XX/XX/XXXX payment for {$1000.00} confirmation number XXXX. 
Prior to the confirmation of the payment arrangement by Nationstar I had to be qualified on on the telephone. Per Nationstar instructions a telephone call had to be made every two months to set up the automatic payments going forward. I contacted Nationstar who gave me a confusing answer about my payments, Nationstar said they were returning 3 payments back to me of {$1800.00}? According to the payment plan which I have kept, Nationstar should have received the aforementioned payments of {$290.00} and {$1000.00} which does not equal {$1800.00}, because I have never received a escrow analysis I have no idea what the lender is holding in my escrow account to be applied to my payments. 
Nationstar in my estimation is trying to take my home illegally, despite the fact that I made arrangements with them to pay back my loan, Nationstar is breaching our agreement, and I am to old and frail to fight back.
Product: Credit card or prepaid card

PLEASE DO NOT MARK AS DUPLICATE. This is my third complaint about an issue that was not resolve by the bank. Case #  XXXX  was marked as duplicate but it is NOT a duplicate. Please read the content and have the bank address my issues.     Barclay closed my credit card without prior warning and wo n't give me a specific reason. This has caused a lot of inconvenience.I filed a complained already requesting a refund for the {$89.00} annual fee they charged but Barclay denied my request stating : " As stated in the terms of your  Cardmember Agreement , we reserve the right to close your account at any time, without prior notification .... With respect to the {$89.00} annual fee, unfortunately, we are unable to issue credit since the request for account closure was not processed within 60 days of the fee billing date. " First of all,  Barclay  was the one that closed my account without warning and states they have the right to close account any time. The 60 days does n't even apply because I was given no choice with the account closure. How is this business practice fair to the consumer if a bank can just charge an annual fee for a card, collect money, and close accounts any time?
Product: Student loan

I have a mortgage still being reported to my CBR, according to Ohio law this should be removed from my CBR after XXXX years. As the last reported information on this accounts was on XXXX/XXXX/2003, I am requesting this be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

Attempted to access free credit reports from the XXXX main providers on the " annualcredit report.com '' website. Process only worked for XXXX. I could not complete ordering of reports with Transunion and XXXX. XXXX kept telling me to call a phone number which went nowhere. Never able to talk to an agent. Transunion would only allow access if I agreed to pay for a " credit score ''. Upon returning to XXXX, I was informed that I had received these reports, which did not happen.
Product: Vehicle loan or lease

On XX/XX/year> I financed a used car through XXXX XXXX XXXX in XXXX. The amount financed was {$18000.00}. The total cost of purchase on credit, including my down payment of {$800.00} is {$40000.00}. I have made 11 going on 12 payments of {$550.00}. I have paid over {$6000.00} in interest over the past year. My loan payoff amount is {$18000.00}. Exeter Finance is not listed as a licensed entity through NMLS consumer access in the state of Georgia. I feel that this loan is predatory. I feel used and did not have a good understanding of my loan. I feel that I have been taken advantage of.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Account # XXXX is being reported with inaccurate information on my credit report. FCRA law states that 100 % accuracy must be reported 1.Last Payment 2.Past Due Amount 3.High Balance 4.Account 5.Account Description
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received an email from Credit Karma that my XXXXXXXX XXXX XXXXXXXX accounts were being frozen ; there was no prior communication. When I called to know the reason why, I was told I wouldnt be able to know this information for 7-10 business days AFTER they closed the account. I then asked how should I go about getting my money due to having an electricity bill due, I was told I wouldnt receive a check AFTER the accounts were completely closed, still with no explanation for why. The days following customer service would simply hang up on me when I ask for their parent company and the address to send a letter.
Product: Mortgage

Called Propel Financial Services to discuss late payment on property tax loan and I was told by customer service representative that my property is in the foreclosure stages. I have NEVER received any type of certification via mail stating such and there has been no period offered to " cure '' or notice of. No correspondence of any type has been mailed or communicated other than the verbal via a phone conversation from a rude male representative ( X/XX/2017 ).
Product: Credit card or prepaid card

I can not get ahold of anyone at Comenity Bank who is owned by bread financial. They refuse to tell anyone what is happening. They wont answer direct questions. Phone lines are down. You can not login online. You can not make payments. I had fraud on my account and they sent me a new card and I can not activate my new card. I cant even get an update on the fraud case. All my points are showing as gone.
Product: Credit reporting

The division of Child Support Enforcement has been documented on my credit report since XX/XX/XXXX ( according to Transunion ) however, it 's actually been there since XX/XX/XXXX. Anyway, Transunion has allowed them to remain on my credit report since XX/XX/XXXX without fail. I have documentation as a result of my many disputes from Transunion stating that this would finally be removed from my credit report XX/XX/XXXX. I patiently waited until that time and then it finally did fall off for a total of 30 days. Now it has resurfaced as new and it is listed as a collection item that will be removed on XX/XX/XXXX. This is an outrage, all the other credit agencies has seen fit to remove this from my report except Transunion. It appears that all the reporting company is required to do is to verify my full name and social security number. I was advised by Transunion that due to the fact that The Child Support Enforcement Agency has my personal information this will remain on my credit report forever. Child Support is reporting that I am making monthly payments to keep this on my credit, however, they are not reporting any payment amounts.Transunion is basically turning the other cheek on this. There are laws which indicate that if a payment is reported then the payment amount should also be recorded. Child Support is smart enough to know that if they record me as making payments then it could possibly remain longer. Why are n't the payment amounts being listed. This is unjust and something must be done. I would like for Transunion to remove this account from my credit report for once and for all.