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

I recently reviewed my consumer report and noticed several items that I feel compelled to dispute. This situation has caused me considerable distress, and I believe it warrants a fair and prompt resolution, which has not yet been provided. The accounts in question involve a transaction that clearly falls under the EXCLUSION section of the FCRAs definitions. Additionally, these were reported without my written consent, pointing to potential identity theft, as defined by the Federal Trade Commission. 

I strongly believe these accounts should be deleted, as they are not tied to any transaction I authorized. I did not grant your agency permission to report this information, making this a violation of the permissible purpose section of the FCRA. Consequently, your agency may be liable for damages of at least {$1000.00} under the civil liability section for willful non-compliance. I respectfully request that these items be removed from my consumer report promptly. 

Thank you for your attention to this matter.
Product: Debt collection

I disputed a debt owed to XXXX XXXX that was sold to Midland Funding LLC. A Incorrect balance is being reported to the credit bureaus. Midland Finance responded to my dispute stating We have found that our information is correct but did not provide me with any type of validation of this debt owed. They did however provide a letter from XXXX XXXX stating that the Account was sold to Midland Funding and that I should contact Midland Funding if I have any questions about this account.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit card

I opened a Kohl 's credit card in 2014. I have found that this company uses false advertisements and underhanded business practices. Since I 've had the card, I 've tried to maintain a XXXX balance. My first interaction with this company and it 's misrepresentation resulted in me doing a survey where I was to received {$50.00} of free merchandise for filling out the survive. I wound up being charged {$69.00} for a promotional product that should have been free. I had to have my bank reverse the charges and dispute it to get my money back. The second incident, involved me returning a gold chain that broke after a week. When I returned it they did n't want to give me the full price I was charged because I used {$20.00} Kohls cash that they gave me to use in the store. The last incident, which prompted this complaint, involves me having to pay late charges on an account that should have had a XXXX balance. I am having to paid {$14.00} out of {$48.00} of late charged on a {$32.00} balanced I was unaware. The last payment I made to XXXX out my account was {$250.00} in XXXX. I was given this amount from the in store personnel. Unknown to me, the amount I paid left a balance of {$32.00}. I received no further billing correspondence from Kohl saying I owed anything. Since I was under the impression I owed nothing not receiving a bill was ok. I received numerous promotional correspondence but no bill. I made a purchase at the store XXXX XXXX and had no issues with the card, 2 days after the purchase and 2 days before this complain, I get a call from Kohl stating That I owed {$89.00}. I was informed that I owned {$32.00} balance and {$48.00} in fees. At that time, the representative willing to discount all the extra charges and I was only to pay {$32.00}. I tried to discuss with the Kohl 's representive at the time but I had to do my due diligence and go through my paperwork. I discovered that indeed I did owe {$32.00}. When I called back, that 's when they refused to discount the total fees and told me if I did n't pay My account would be reported to the credit bureau. They refuse to give me a supervisor or a name or number to someone else to talk to. I would like you assistance in resolving this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : Reference number XXXX XXXX filing date XX/XX/2019. Reporting this false information violates my rights. Based on Equifax themselves they stated they verified this account from a third party XXXX, I have included a letter from XXXX from a couple years ago stating they have removed this from their reporting as it was an error. Equifax has refused to remove it from their reporting even though they stated they verified the information from XXXX whom stated they removed it from their report a couple years ago. Equifax is violating my rights by reporting false information that they stated they verified from XXXX which is a lie as this is not on my XXXX. I have included the letter from XXXX of the removal and I have included information from Equifax of them stating they got this information from XXXX. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed an account with Chase, 3 months later i check my report to see that I am XXXX late on the closed account. I went into branch office the following day and was told that there was a charge that went through after the account was closed and That I was resposinble for knowing that even though the account says it has {$0.00} balance to the branch manager. I have since paid off the account but Chase refuses to revert the negative impact on my credit that was due to their transaction systems.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX I have asked to close account that no balance has been owed as well, that lease ended and all balances paid and the apt is already been on the market since move out because it was move in ready. I have videos and pictures of the whole move out process and I did a dispute just to close an account that should not be open move out was XX/XX/XXXX and official end date XX/XX/XXXX I did a dispute weeks ago still the results was from the company that I cants even access the results when I call and the count is still open after submitting supporting documents.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score account name XXXX XXXX XXXX Account Number : XXXX. In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Prepaid card

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XX/XX/2023 Status request on US Bank replacement of pre-purchase inactivated gift cards Dear Sir or Madam, Between XXXX and XXXX I purchased these US Bank gift cards from the grocery store. The card numbers are : XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$500.00} I was unable to use each of these cards. When I called the XXXX XXXX number on the card I was informed that these cards were inactivated prior to my purchase because of suspected pre-purchase fraud and that I needed to submit a replacement request via the website aXXXX XXXX 
During this period I requested replacements via the upload feature on the website with all required documents. 
I received one replacement card with a value of {XXXX}. I do not know which card this replaces because no information was enclosed with the replacement card. 
Replacement card XXXX XXXX XXXX XXXX {XXXX} The current total difference in value between what I have paid for the XXXX inactive cards and the XXXX replacement card is {$2000.00} ( {$2500.00} spent {$500.00} returned ). 
I do not know what has happened to these other cards. It is impossible to obtain information from US Bank XXXX XXXX because when the card is inactivated the website displays an error message and when I call the cards are inactive so there is no way to determine status. After submitting the information requested to the web portal at XXXX  there is no way to know the status of the replacement process until a replacement card arrives, if it does. 
Since I can not obtain this information from the vendor, please can you follow up to ascertain the status of the cards above and ensure that outstanding replacement cards are delivered. 
Thank you for your assistance. 
Yours truly, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

XXXX  under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$7200.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$1800.00}
Product: Credit card

I received a telephone call from a New York area code. The number was XXXX stating that someone from Texas had tried to apply for a Citi Bank credit card in my name using my Social Security number. I told them that I had not applied for a credit card and they then told me that they would connect me with the CFPB. I hung up beofe I was connected.
Product: Credit reporting, credit repair services, or other personal consumer reports

A delinquent mortgage belonging to my estranged husband was added to my credit report on XX/XX/XXXX by Loan Care ( XXXX ). I am not nor have ever been a Co-Borrower or Co-Signer on this account. He has had this loan since XX/XX/XXXX. Now that he is delinquent Loan Care has reported this account illegally to my credit report. My score has dropped 70 points. I called to discuss on XX/XX/XXXX when I discovered this error and was told the first time that this was not their error and that I had to dispute with the credit bureaus myself. I called again on XX/XX/XXXX and was told that I was not in their system as being on the loan and to submit an email to customer service. I submitted an email on XX/XX/XXXX along with 2 Credit Reports showing the negative account on my credit reports where I was listed as a joint mortgage holder. I received a generic response with a ticket number. I called on XX/XX/XXXX and was told that because I was not on the loan as a co-signer or co-borrower they could not discuss with me. If no one from Loan Care will speak with me or acknowledge that there is an error how do I get this delinquent mortgage off of my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the reporting company and they have not gotten back with me in 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There are fraudulent inquiries reporting on my credit report
Product: Debt collection

Starting in XX/XX/year> XXXX XXXX attempted to charge me the cost of a wheelchair I never rented, purchased, ordered, or requested. In numerous phone calls and letters I told them I never signed a rental agreement. When they finally allowed me to see disputed document on XX/XX/XXXX, it was dated as signed on XX/XX/XXXX, but the signature isn't mine. On XX/XX/XXXX I received a letter from ARstrat saying that XXXX referred the debt to them for collection. In none of these interactions from XXXX or ARstrat was I given any opportunity to decline any agreement.
Product: Credit card or prepaid card

So the month of XXXX with my direct express card. I disputed amount of {$490.00} I sent them and faxed the dispute 3 times. XXXX  days later they gave me provisional credit. Then at the end of the month XXXX  day before I get paid they said I was XXXX. I thought I lost the dispute. It turns out they said I did not give them a dispute. I said it was illegal for you to take money out of my account without letting me know. They gave me no notice of any kind. I told them if I did not give u a dispute how would u know how much provisional credit to give me. No answer they said I have to call the dispute department. So I was sick the next day. And when I called back I was XXXX in the XXXX they allowed someone to take a bunch of XXXX charges to the same place. When I should have XXXX in my account none of this would have happened if they did not commit this illegal act and let me take out my money at the beginning of the month. And how does my prepaid card go into the negative I did not sign up for overdraft and they say they do not do this anyhow. I want my begitive amount to be cleared and my XXXX back
Product: Credit reporting, credit repair services, or other personal consumer reports

I apply for my Experian credit report annually via XXXX. For the past 3 years I have been unable to access my Experian Credit Report through XXXX. Per Experian, it is an XXXX website problem. As there is no telephone number that allows me to speak to a person, I must e-mail XXXX, which I have done numerous times over the past 3 years. To date ( XX/XX/XXXX/2017 ) no response. I suppose that I could request a credit report by phone through Experian, however, that seem to defeat the purpose of XXXX. Would you be so kind as to assist with my proble. 

Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

After checking my credit report i noticed these credit agencies and this company are in violation of my law and my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud.
Product: Debt collection

I have had this on my credit report for 4 years now it was due to an ambulance bill back when coronavirus natural disaster took effect and I got sick with coronavirus and had to call the ambulance due to my knowledge President Obama was in the oval office and everyone that received medical Care during that pandemic was not charged a single penny I never received a bill from this collector I never received a call I never received nothing and I have tried calling them over and over again for the past year to try to get this off of my credit report I didn't think that health related issues infected your credit or I thought they wasn't supposed to but as I stated the United States government paid the amount of {$840.00} exactly on the same day that I went to the hospital the day after to be exact it was in 2020 I believe XXXX
Product: Credit reporting

I PREVIOUSLY DISPUTED AN ACCOUNT THAT WAS REPORTING ON MY EQUIFAX CREDIT REPORT. THE NAME OF THE ACCOUNT IS XXXX XXXX XXXX ( XXXX University ) AND THE AMOUNT IS {$1100.00}. XXXX XXXX XXXX SUBMITTED A REQUEST TO HAVE THIS ACCOUNT REMOVED FROM MY CREDIT AND I HAVE NOTICED THE ACCOUNT IS STILL PRESENTLY ON MY CREDIT REPORT. EQUIFAX NEEDS TO DELETE THIS INFORMATION AS THEY HAVE ALREADY RECIEVED THE REQUEST FROM THE REPORTING COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to enter into a Covid-19 related forebearance plan with my Mortgage Servicer, XXXX. Everything was approved. Due to financial hardships, I had to sale my house. I went into my Forebearance around XX/XX/2020. I immediately put my house on the market and it was sold, it closed on or around XX/XX/XXXX. The loan was successfully paid off and I was paid my share of the profit from the sale. 
XXXX has reported my credit has over 120 days late and missing payments for XXXX, XXXX, XXXX and XXXX. 
My credit score has plummeted from around XXXX to below XXXX. I have reached out via XXXX, XXXX  and XXXX  with disputes but XXXX didn't change it. 
I called Loancare, multiple times. Everytime I call them, I am told they did not report anything negative, it must be the credit bureau. I would think that if it was just one bureau. But currently XXXX  and XXXX both report the exact same negative information. 
I have called and emailed Loancare numerous time and no one has emailed me back. On the phone calls, after waiting on hold for over an hour each time, all they tell me is they do not see anything negative on " their end '' and there is nothing they can do. I have worked very hard for my good credit. I have XXXX late payments and a really good score, until this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$650.00} XXXXXXXX XXXX XXXXXXXX Balance : {$650.00}
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 


XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2021, I tried to make a on-line purchase for a table from Ashley Furniture XXXX The purchase was declined three times, and I did not know why. I called Ashley and was informed that I was using the incorrect address, so I verified the address and went back online and was able to make the purchase. Ashley still has the three declined charges as pending on my account even though they were declined. I spoke with their CS agent and was told the three pending charges should fall off in about two months. That has not happened. I spoke with a CS representative and account manager from Ashley yesterday and was told a disputed charge claim would be submitted. The charges were declined by Ashley so why are they showing as pending to begin with? I spoke in length yesterday with CS about the issue and today when I checked my account, they put another charge on my account for the same amount dated XXXX XX/XX/2021. I did not make any purchases yesterday. I canceled my Ashley Furniture card today after speaking with their CS and fraud department. They seemed unwilling to acknowledge their mistake and fix it expediently. I am a XXXX XXXX XXXX veteran, and I believe Ashley is trying to defraud me. I would like help with this issue. Thank you.