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

According to the IRS an unpaid charge off is income and according to the FCRA Income can not be reported on a credit report, I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed below. A - L FINANCIAL CORP # XXXX. After checking my most current report the updated information stated the account was purchased by XXXX XXXX XXXX. this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form.
Product: Payday loan, title loan, or personal loan

Several years ago, my wife - who is XXXX and XXXX and can not work - saw an ad on t.v. for Titlemax. Since she did not have credit she thought this would be a neat way to borrow a little money. She did not understand the interest rate was monthly rather than annually and ended up paying interest fees that exceeded the amount of the loan. She was not and is not now XXXX XXXX of making contractual decisions on her own. 

I agreed not to prosecute Titlemax at that time with the understanding that she would be placed on a " do not lend '' list to prevent recurrences of this issue. 

I've recently learned that she borrowed money against her car again - {$5000.00} without Titlemax doing any diligence to see if she could repay the loan. She has already paid thousands of dollars on this loan that she does not understand and that they promised they would not give her. 

Regardless of the fact that she is my wife, it is incumbent upon lenders like Titlemax to ensure borrowers have the ability to repay and she does not. They continue to behave in a highly reprehensible and reckless way with elderly and XXXX individuals with little or no income.
Product: Credit reporting or other personal consumer reports

Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required. 
Sincerely, XXXX XXXX Subject : Credit Report Dispute Incorrect Reporting of Account Status Dear Experian Dispute Department, I am writing to formally dispute an inaccuracy on my credit report regarding an account with XXXX XXXX XXXX XXXX. Upon reviewing my report, I noticed a factual error that needs to be corrected immediately. 

The report states that my account has a past due balance of {$33000.00} as of XX/XX/XXXX. However, this information is inaccurate because the account was charged off in XX/XX/XXXX, and no further payments or activity have occurred since that time. Since a charge-off means the creditor has already written off the debt as a loss, the account should not still be accruing a past-due balance for XX/XX/XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the accuracy of the information they report. I request that you immediately investigate and correct this inaccuracy by removing the incorrect past-due balance or updating the status to reflect the correct charge-off date without continued reporting of a past-due amount. 

Please provide a written response detailing your findings and any actions taken. If you require any additional information from me, do not hesitate to reach out. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

After having my credit pulled for a home loan, I was informed of an open collection from stellar recovery inc . 
I have NOT received any communications ( mail, email, phone, etc. ) from stellar recovery inc . This debt has not been validated or verified. I have not received any notice of a right to dispute before they reported to all XXXX major credit bureaus. There is not enough correct info to verify the debt or amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative. Also, this item isn't mine please remove it : XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a security breach on my identity through my credit report on XXXX and Capital One. I noticed that my private information was available on the dark web. A XXXX woman named XXXX XXXX is in the military using my social security number with a license issued in Florida with the last four digits as XXXX. Her zip code is XXXX and her number is XXXX XXXX XXXX. My number is XXXX and I am XXXX  Not only that, there were some loans and a credit card opened without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX  XXXX Balance : {$4500.00} ; XXXX XXXX XXXX Balance : {$220.00}
Product: Credit card

This complaint involves an issue that began in XXXX when I was given a lower interest rate for 6 months because I was having trouble paying all of my bills. In XX/XX/XXXX, my Discover card bill increased again. I called Discover in XXXX to ask for help. After many calls and continuing harassment from them, I agreed to a payment plan to start XX/XX/XXXX. I agreed so they would stop with the harassment. I began getting help from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) just after accepting Discovers plan. XXXX informed Discover that I would be working with them. I believed that my payment plan was discontinued after they received the letter from XXXX. I didnt trust Discover so I removed my bank account information from my Discover Card account so the previously agreed upon payment could not be withdrawn from my checking account on XX/XX/XXXX. I was notified that Discover Card had withdrawn {$170.00} from my checking account. They disregarded the fact that I had removed my billing information and told me that they keep billing information even if you delete it in their system. And, it was my fault because I did not formerly end the payment that was arranged- {$170.00} on the first of every month. I requested that the money be refunded to me. The answer was no. I called the Discover Card complaint line on XXXX and spoke with XXXX. He was going to call me after looking into it. No call came and when I tried calling the number again, I got a message stating it is no longer active. The fact that a company keeps deleted bank account information is appalling. When I removed my checking account information I also withdrew my consent. I have had no end of trouble with this company. I reported all of this to the XXXX  and Discover blamed me and refused to acknowledge storing my checking account information and withdrawing money. The letter from Discover said it was resolved. Below are the communications with Discover and the XXXX 

Desired Outcome/Settlement Desired Settlement : Refund None Provided From the XXXX on Wednesday, XX/XX/XXXX Please see attached. 
Attached Files/Documents XXXX XXXX XXXX XXXXXXXX From the XXXX on Thursday, XX/XX/XXXX Please see attached. 
Attached Files/Documents XXXX XXXXXXXX XXXX XXXX XXXXXXXX From the Consumer on Tuesday, XX/XX/XXXXXXXX XXXX XXXX  Complaint : XXXX I am rejecting this response because : Since Discover card is unwilling to accept responsibility for the previous action which lead to my initial complaint, Sincerely, XXXX XXXX From the Consumer on Wednesday, XX/XX/XXXX Complaint : XXXX I am rejecting this response because : this response fails to address the fact that my checking account information was deleted from my Discover card account. However Discover still withdrew {$170.00} from my checking account. When you delete payment information from a computer system, one expects that it is deleted and not stored for use by that company. When the checking account information was removed I withdrew my permission/consent to use that information for any use by Discover card. 

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

I am having trouble understanding how my credit score is calculated. I've reached out before, but I was told that it fluctuates. Here is my issue : I've been working so hard at paying down my debt as I am looking for a new home. Today, I received a notification from XXXX XXXX that my Equifax credit score dropped. As of today, XX/XX/2020, my score is at XXXX, dropped 11 pts. When I select " see what changed '', here are the changes : Positives in Green : 1- Credit Limit increase on an account by {$450.00} 2- Balance decrease on credit  card by {$310.00} ; credit usage went from 105 % to 0 % 3- Balance decrease on credit card by {$420.00} ; credit usage went from 86 % to 0 % 4-Balance decrease on credit card by {$590.00} ; credit usage went from 96 % to 32 % 5-Balance decrease on loan by {$120.00} Negative in Red : 1- Balance increase on credit card of {$30.00} ; credit usage went from 69 % to 63 % Can you please explain why my credit score dropped instead of increased? This does not make any sense to me. 
Thank you.
Product: Checking or savings account

Before opening a checking account for a promotion, I needed to make sure I understand the limitation correctly. The limitation was : You are ineligible for the respective bonus if : You have received a bonus for opening a Wells Fargo Premier Checking account within the past XXXX XXXX 
You have received any other consumer savings offer bonus or promotional rate that required a bonus offer code within the past XXXX XXXX 
I needed to find out specifically, when the 12 months period starts, as it was not clearly and explicitly stated In the clause, compare to other banks, which use the same limitation and clearly state in the clause, when the 12 months period starts ( XXXX XXXX, for example ) ( Exhibit 6 ). 

Today, on XX/XX/year>, at XXXXXXXX XXXX XXXXXXXX, I spoke to XXXX XXXX customer service banker, Premier customer service at : phone : XXXX She did advise that the branch is the best to find out all the details, however, when specifically asked, expressed full confidence that she can explain the interpretation of the clauses, and even stated when asked that I can reference her interpretation as legally binding for Wells Fargo as stated by its representative. 

She clearly, multiple times confirmed on recorded line that the 12 months period mentioned in both clauses STARTS from the day of OPENING of the previous account, I.e. 12 months between the dates of OPENING of the previous account and the next one. The conversation was recorded and can be confirmed. 

I request Wels Fargo to CLEARLY address, whether the statements above made by the Wells Fargo representative mentioned are correct specifically that the 12 months limitation period begins from the date the previous account was opened. 

.
Product: Credit card

XX/XX/2023 using XXXX XXXX I booked tickets to XXXX, XXXX on XXXX XXXX XXXX. Barely a few days later a war emerged and I received warning from our embassy regarding travel to XXXX. I called to cancel because of the war and was told by XXXX my money could not be refunded. I then disputed the following charges {$1600.00}, {$1600.00} and {$1600.00}. There were two booking numbers for the above XXXX and XXXX on XXXX XXXX departing XX/XX/2023. 

A few day later, XXXX called me and said although the money could not be refunded, I could change destinations and use the bookings for a different trip. I changed the destination to XXXX, XXXX departing XX/XX/2023. XXXX rearranged the flight on XXXX, a subsidiary of XXXX XXXX. However in XXXX because the of the dispute, XXXX told me XXXX XXXX would not issue the tickets so I needed to pay again until the dispute was resolved, when they would refund the money. XXXX then charged me the very same amount in two separate charges on XX/XX/XXXX and XXXX. The charges were {$3300.00} and {$1600.00} again totaling {$4900.00}. 

The end of XXXX I asked for the refund and XXXX said they would return my call within 48 hours. That did not happen, I again called with same response. Then I received a call from XXXX and they said they could only do an " electronic deposit '' and would I accept the {$4900.00} as an electronic deposit. I agreed. They asked me to open XXXX XXXX. I told them I have a XXXX and do not have XXXX XXXX. They then said they would need for a different person to help and would call back tomorrow. the next day, they again called and we discussed XXXX XXXX for I had trouble downloading it. They said they would call again the next day for they could only process a few per day. Another day passed, I did download XXXXXXXX XXXX and they started the process but as they continued I realized they were taking over my computer and I stopped them ... quickly removing XXXX XXXX as well as the apps they had been installing on my computer. I heard nothing more from them. I called again and was told they would call me within 48 but did not. 

The departure date of XX/XX/XXXX approached and I took the trip with the original two booking numbers of XXXX and XXXX. XXXX had to cancel the departure flight and rebooked us on XXXX but pointed out this was another change meaning My first flight on XXXX rearranged to XXXX was a change and this cancellation meant another change but XXXX was very helpful and rearranged everything as we were traveling to XXXX XXXX airport for departure. 

When I returned I reported the problem to Chase Freedom Card but received no help for they were confused that I had two different charges by XXXX, the first being to XXXX XXXX and the second to XXXX. Even though the totals were the same, Chase could not understand that there never were other booking numbers only the first for there was only one trip. 

XXXX again promised to call within 48 hours but never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. DEPTEDXXXX   XXXX {$2300.00} DEPTEDXXXX XXXX {$4000.00} DEPEDXXXX XXXX {$2300.00} DEPTEDXXXX XXXX {$7300.00} DEPTEDXXXX XXXX {$1400.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$910.00}
Product: Credit reporting or other personal consumer reports

Back in XX/XX/year>, I spoke to CMG inquiring about a lower payment, I was not late on my mortgage and was continuing to make the payments, the rep advised me she would put my account through for a modification to see if there was a way to lower the payment. I received a letter from CMG with a payment plan to make 3 payments of a lower amount than the payment would permanently change, I was advised that the credit report would show a modification and that the XXXX + XXXX payments would be deferred and not show late on my credit, and the report would only reflect a lower payment. However that is not what has happened, I went from being on time with a perfect record to now showing late because they are having me pay less, this is hurting my credit report and I want my credit report restored like I was advised it would do and i had nothing to worry about, this was just the way they had to have me pay in order for the monthly payment to get lower permanently and advised me to ignore any calls or letters as they know the account is good. This is my 1st ever mortgage and the last thing I want is a bad payment history when I have never been late ever. Also the amount on my loan on the credit report shows XXXX and that is another bad mark that is not true, but on my account my balance on their website it is only XXXX
Product: Debt collection

This company trying to collect a debt but im asking them to validate the debt is mine.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  agency account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  agency account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX agency has violated my rights. 15 u.s.c 1681 section 602 A states I have the right to privacy 15 u.s.c 1681 section 602 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681 ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate and I paid them off this is hindering me from get a loan for my business even after I paid them off I need them off so I can grow my business
Product: Credit reporting or other personal consumer reports

Home Depot, using Citi Cards as the credit servicer, claims my husband and I have a credit card under our names, XXXX and XXXX XXXX, opened in XXXX. 

The account ends in XXXX. We did not open this card or make any purchases on it. 

In XXXX, I opened a single Home Depot account and purchased garden supplies for approximately {$120.00}. The clerk was to put this purchase on my Home Depot card. I am told the account ending in XXXX, which we did not know of, is 120 days past due. 

We have disputed this with the company and requested an investigation of the account and purchase. First, we were told that legally, we could not dispute an account, which is incorrect. We also asked for the original credit documents of the account from the time of opening and purchase but were refused these. Currently, the only document we have received on the account in question is a letter requesting we call to settle the account. 

We believe Home Depot/Citi Cards has made an error in this card being opened and the purchase and would like this removed from our credit report asap! 

Thank you, XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
The fraudulent accounts appearing on my credit report are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX CARD, XXXX XXXX XXXX and XXXX. 
I sent a request to Experian to have all of the incorrect information removed from my credit report, Pursuant to section 605B of the Fair Credit Reporting Act. I have sent them all of the required documents ( Police report, Identity verification, Credit report with the false info circled ) but Experian did not remove these fraudulent accounts.

This is hurting me and my family massively.

Please make Experian comply with the Fair Credit Reporting Act and remove incorrect information as the result of Identity theft from my credit file. 
I appreciate your prompt attention to this matter, and await your reply. 

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

On XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and sdsay it's mine. According to the FCRA, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and disappointment regarding Rise Credits failure to respond to my previous communications dated XX/XX/2023. As of the date of this complaint, more than 7 days have passed since the expiration of the timeframe given in my initial notice. 

I wish to reiterate the serious nature of the violations that I have brought to your attention, including but not limited to the breach of contractual terms, violations of the Gramm-Leach-Bliley Act ( GLBA ), and potential violations of the California Penal Code 530.5 . These breaches have resulted in severe financial injuries, loss of opportunity, wages, and damage to my creditworthiness. 

Rise Credits failure to respond within the stipulated timeframe not only exacerbates the harm caused by these violations but also demonstrates a continued disregard for my rights as a consumer. I find it regrettable that it has come to this point, but in the absence of a meaningful and timely resolution, I am left with no alternative but to escalate this matter further. 

In accordance with my rights under the law, and as a consumer who has suffered financial injuries due to your institution 's non-compliance, I am left with no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 

I am submitting this complaint against Rise Credit due to their blatant infringement on my privacy rights. I have confidence that the CFPB will conduct a comprehensive inquiry into this issue and implement necessary measures to guarantee the preservation of my rights as outlined in the GLBA. I thank you for acknowledging the seriousness of this matter and for your collaboration in swiftly resolving these concerns.
Product: Debt collection

I was contacted by COMMONWEALTH FINANCIAL SYSTEMS, in late XXXX I received a bill stating that I owed a dept dated XX/XX/14 to the XXXX XXXX  XXXX XXXX for over {$490.00} something. I called the number provided and informed the women I was confused about what was going on. They told me I went to the ER that date and I had an unpaid medical bill from then and that I needed to pay it. I told them I have been to that ER before but it was years earlier and definitely not that date. I told them that it was not my debt and there must be a mistake. I requested proof of the debt an EOB or any paperwork to prove the debt was mine or give any additional information. The women hung up on me and I have not heard from them again and I did not receive any paperwork from them at all. I was notified today that they have added the collections to my XXXX report. I take great pride in my credit and worked hard for the XXXX score I have maintained and I will not allow this company to fraudulently ruin my score. I have disputed the report to XXXX   but their methods of doing business and the frivolous nature of their actions are reprehensible and should not be allowed to continue.