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

Equifax data XX/XX/year>, The credit reporting company Equifax shows several incorrect and irrelevant addresses, misused names, and phone numbers and multiple old outdated employments that are no longer relevant and/or are not my most recent information. I attempted to have them removed and was told that previous addresses are relevant to my report.
Product: Credit card

My PayPal Mastercard was shut off without notice having a XXXX credit limit only using less than 20 % utilization. I also never missed a payment once. Refused to re open my card and told me reapply then denied me
Product: Credit reporting or other personal consumer reports

CAPITAL ONE is in violation of multiple laws set forth by XXXX in regards to the following account # XXXX. 15 U.S. Code 1681 a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( CAPITAL ONE ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( CAPITAL ONE ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agencies ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. CAPITAL ONE can not collect on a XXXX debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screen shot from the IRS website. By definition, the IRS clearly says a cancelled debt or charge off is income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from CAPITAL ONE for the cancelled debt of { { 602.00 } } in order to file as ordinary income. Where is my 1099-C CAPITAL ONE is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! CAPITAL ONE has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In CAPITAL ONE terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and XXXX is not affiliate of CAPITAL ONE nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in Federal Law. I have the right to privacy and per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization. I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have written, non written, verbal and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681 s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( XXXX ) PROHIBITION ( 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, in accurate. CAPITAL ONE must also refund the remaining balance of the consumer account upon its termination. This is your XXXX  day notice to return ALL money due from this consumer account.
Product: Credit reporting or other personal consumer reports

After viewing my credit report there are a few inquires that i did not authorize and would like them removed from my credit report. 

XXXXXXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that reviewing lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent affidavit and ftc to XXXX and XXXX of the inaccuracy fcra bill that never received of the rate and fcra violation of the payments never been late
Product: Credit reporting or other personal consumer reports

I have made several attempts to remove fraudulent remarks from my credit report, identified between XXXX and XXXX. Despite participating in the dispute process with XXXX, Equifax, and XXXX, reaching out to other credit reporting agencies, and contacting the involved companies, I have not succeeded in resolving these unauthorized fraudulent accounts that I did not benefit from. These negative accounts have significantly impacted my quality of life. My data has been compromised twice by the credit bureaus, making me a victim. I am seeking assistance to correct these fraudulent accounts. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was paid off. I sent the letter from them to transunion and they refuse to update info
Product: Debt collection

I see that I have a dept collection of {$340.00} from stellar Rec that was opened in  XXXX / XXXX / 17 . I DID NOT OPEN ANY ACCOUNT, THEREFORE I DO NOT OWE ANYTHING TO THIS COMPANY!!! PLEASE HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 
XXXX XXXX $ XXXX-Date Opened : XX/XX/2020 XXXX XXXX  $ XXXX-Date Opened : XX/XX/2020 XXXX XXXX $ XXXX-Date Opened : XX/XX/2020 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX Account Number XXXX, and XXXX XXXX Account Number XXXX have violated my rights. 

Upon reviewing my Equifax, report on XX/XX/year>, I was deeply troubled to find that some information is incomplete and inaccurate. This has had a direct and negative impact on my financial standing, a situation that the Fair Credit Reporting Act is designed to prevent, as stated in 15 USC 1681 ( e ) ( b ).

Additionally, according to 15 USC 1681, if information is found to be inaccurate or incomplete after any reinvestigation, the consumer reporting agency must promptly delete or modify that information based on the results of the reinvestigation and notify the furnisher of the information.

Moreover, according to 15 USC 1681s-2, no information relating to a consumer should be furnished to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On my credit report I saw that XXXX, who was the loan agency who had my student loan transfer the debt to XXXX. They did not update my credit report and it stills shows that I have that student debt, This student debt was paid in full because I got a loan forgiveness.
Product: Credit reporting or other personal consumer reports

I recently looked into my credit reports and found that an account wasn't reporting accurately. I had one late payment on my XXXX  XXXX account that was paid on time. The credit reporting agencies need to report all information with complete accuracy. My XXXX  XXXX account has not been late on payments. I have attached a copy of my reports to this complaint on the following date XX/XX/2019. Im now requesting you investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified I demand this payment be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Vehicle loan or lease

On XXXX 2023 I went to Dealer XXXX Hyundai located at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX, to obtain extension of my own credit on a XXXX  Hyundai XXXX with Last XXXX vin # XXXX with MSRP of {$42000.00}. The dealer run my credit with XXXX credit Report, where company Hyundai Capital America got a copy of my credit and I was denied for credit. No one from dealership give a paper or answer why I got denied, at this moment of my complaint, on XXXX XXXX 2023, neither someone from dealer or Hyundai Capital America had contact me. I had attached evidence that my credit was pulled by Hyundai Capital America with XXXX credit report.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the items in my file that resulted from an inaccurate credit report data but I still have ITEMS left that needed to be removed. This is my new attempt to notify you that I am a victim of incorrect credit reporting and I write to dispute these items in my file resulting from it. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any items in my credit file that resulted from a mistaken credit reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5700.00} ======XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ======XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5700.00}. These items are unknown to me. Also, the information you provided on these items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on these accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately, I had just gone through the CFPB with an issue I had with TD Bank reporting to XXXX a hard inquiry on my credit report. TD Bank responded to the CFPB that they would remove the inquiry from my XXXX report. They explained to please allow up to 60 days. Sadly it has been past the 60 day due date. This evening I called and spoke to the same representative XXXX whom I had spoken to originally. She said that she could see nothing on her end in computer system. I want TD Bank to now remove this from my credit report immediately. I have copy and pasted their previous response to the CFPB previously. 

We requested removal of the inquiry and the attached letter was mailed to the consumer. No follow up actions are anticipated. The letter states as follows : We have received your complaint to the Consumer Financial Protection Bureau regarding a TD Credit Card application, completed online on XX/XX/2021. We completed our investigation and confirm that you did not complete the application process initiated via the internet on XX/XX/2021. As a result, we have sent an update to the credit bureaus requesting for the inquiry to be removed. We apologize for any inconvenience caused by the reporting of the inquiry. Please allow 60 days for the inquiry to be removed from your credit reports. If you have any questions, please contact customer service at XXXX.
Product: Payday loan, title loan, or personal loan

A Texas motor vehicle retail installment sales contract was started on XXXX/XXXX/2017 for leftover XXXX new XXXX XXXX. The amount borrowed is $ XXXXXXXX1.90 % for 72 months with a monthly payment of {$490.00}. My contention is the monthly payment should be {$480.00}. If you do a simple loan calculation you will come up with $ XXXX looks to me that they are using an interest rate of 1.9235 rather then the original rate agreed upon.I contacted the credit co. that is carrying my loan to no satisfaction. Although this is a small amount of XXXX cents per month and {$24.00} over the 72 months, it may prove considerable fraud over thousands of accounts.
Product: Student loan

I have student loans around XXXX dollars which should be removed/ forgiven based off the studentaid.gov website. This loan was consolidated with previous XXXX loans which the previous loans were forgiving. However this balance was not forgiven and should have been when I consolidated all my Loans into one.
Product: Credit reporting, credit repair services, or other personal consumer reports

BEING A VICTIM OF IDENTITY THEFT AND AS A CONSUMER I HAVE REACHED OUT TO XXXX XXXX   XXXX AND TO THE BUREAUS TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SUBMITTED MY IDENTITY THEFT AND ACTUAL STATEMENT TO PROOF MY IDENTITY AND SIGNED AFFIDAVIT NOTARIZED THAT I AM VICTIM OF AN IDENTITY THEFT. I NEED THE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT CARD. I DON'T HAVE ANY INFORMATION ON THE THEIF OR ON THE FRAUDULENT ACCOUNT. THE ACCOUNT IS CLOSED AND IT HAS A XXXX BALANCE, I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT PROFILE.
Product: Mortgage

In preparing an official complaint through the FTC and the CPSA, I took a look at the complete history of billing statements made available on your website. 
To an extent, I recant allegations that Bayview/Community failed to apply advance prepayments directly to principle as required by the original not, HOWEVER ( my complaint will go forward, though modified ) It seems Bayview/Community altered my payment without my approval to accommodate 12 months of payments across 26 bi-weekly payments, thereby circumventing the prepayment clause. THAT IS A DECEPTIVE PRACTICE AND IS INTENTIONAL THEFT. unfortunately, I have no recourse for that. 
HOWEVER, it does appear that XXXX indeed did fail to apply advance prepayments according to the terms of the original note. Thus it became incumbent upon Bayview/Community as assignee of the note, to apply all accumulated prepayments to the principle as Bayview/Community assumed control of this account. 
Therefore, I now implore Bayview/Community to adjust the opening balance of this note as assumed by the total of advance prepayment accumulated. 
I do not care if that involves the reissuance of 1099INT or 1098 's ; none of that is my concern. 
I am moving forward with a formal complaint with a copy of this text.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that IRS reported identity theft and insists on communication with an identity protection IP PIN. This directly relates to all the fraudulent fact you data mined, without my knowledge, and are now using to reduce my credit score and to purposefully present false reports about me. Therefore please email XXXX the source of the following fact for each of: XXXX XXXX XXXX XXXX XXXX, NY XXXX Address ID #XXXX, XXXX XXXX XXXX   XXXX XXXX, NY XXXX Address ID #XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX Address ID #XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX Address ID #XXXX, XXXX XXXX XXXX XXXX, NY XXXX Address ID #XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Potentially negative XXXX XXXX XXXX, Potentially negative XXXX XXXX XXXX, XXXX  XXXX, XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX or as Experian has fraudulently data mined please email XXXX confirming immediate removal of each false fact from my credit report.Furthermore, please email XXXX a copy of my signed authorization for each of: Hard inquiry XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX, Hard inquiry XXXX XXXX XXXX XX/XX/XXXX, Hard inquiry XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX, Soft inquiry XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX EXPERIAN CONSUMER SERV, Soft inquiry XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX EXPERIAN CONSUMER SERV, Soft inquiry XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX EXPERIAN, Soft inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX, Soft inquiry XX/XX/XXXX INTERNAL REVENUE SERVICE. Soft inquiry XX/XX/XXXX INTERNAL REVENUE SERVICE, Soft inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX, Soft inquiry XX/XX/XXXX EXPERIAN, Soft inquiry XX/XX/XXXX and XX/XX/XXXX XXXX XXXX, Soft inquiry XX/XX/XXXX XXXX/XXXX XXXX XXXX and Soft inquiry XX/XX/XXXX XXXX XXXX or as Experian has fraudulently data mined please email XXXX confirming immediate removal of each false fact from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Refusal to Delete Negative Charge Off After Receipt of XXXX Form Dear Sir/Madam, I am writing to dispute the refusal of XXXX to delete a negative charge off from my credit report, despite the receipt of a XXXX form from XXXX XXXX  indicating the discharge of the debt. 

On XX/XX/year>, I received a XXXX form from XXXX XXXX  XXXX which clearly indicates the discharge of the debt associated with account [ # XXXX ]. As per the guidelines set forth by the Internal Revenue Service ( IRS ), the issuance of a XXXX form signifies that the debt has been canceled, forgiven, or XXXX. Therefore, it is imperative that XXXX  updates my credit report accordingly. 

Despite the receipt of this XXXX form, XXXX has refused to delete the negative charge off from my credit report. This refusal to update my credit report with the accurate and current information is not only misleading but also in violation of the Fair Credit Reporting Act ( FCRA ). 

I request that XXXX takes immediate action to rectify this situation by : XXXX. Deleting the negative charge off associated with account [ # XXXX ] from my credit report. 
XXXX. Updating my credit report to reflect the accurate and status of the XXXX debt as indicated by the XXXX form from XXXX XXXX. 
XXXX. Providing written confirmation of the deletion of the negative charge off and the update to my credit report. 

I have attached a copy of the XXXX form for your reference and verification. I trust that XXXX will handle this matter with the utmost urgency and professionalism. I expect a prompt resolution to this dispute and the removal of the inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I found a collection account on my credit report that must have been in error. The collection account original creditor was one that I had an on going and " paid as agreed '' account with. I spoke to several reps at both the original creditor 's ( XXXX XXXX - who advised me that my account was in good standing and was not in collection ) and XXXX ( collector - who could not " verify '' my personal information and said that due to that fact I would have to dispute it with the credit bureaus ) I have submitted two disputes with Experian and spoke to a rep there, who said I needed to call the collector and have them take it off my report. ( basically I am getting the run around. My credit report from Experian is still showing this collection account to be " debt included in personal receivership ''. Whatever that may be. After my disputes where " closed '' the account is still showing on my report. 

This collection account is not and has never been mine.