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

There are XXXX hard inquiries on my credit account that do not belong to me. I live in XXXX XXXX  XXXX and have lived here since XXXX. There are many auto loan inquiries for businesses based in XXXX  ( I do not have a drivers license so I can not obtain an auto loan nor would I need to and I am not based in Texas ) there are other loan inquiries as well that do not belong to me. I do not have any paper work referencing these inquiries or loans as they were not made by me. There is also a rental leasing debt from The XXXX XXXX XXXX XXXX which does not belong to me as I have never rented a full apartment on my own.
Product: Credit reporting or other personal consumer reports

I see that i have a Florida power light bill on my report that was sent to collections for the amount of {$280.00}. I've disputed this bill numerous times because i moved out of that address months prior to that bill cycle. I even requested in my dispute to please be provided with the name and number of the collections agency so i can dispute it with them but none of that information has been provided to me. That is the only collections bill on my credit report and it is a mistake that no one is helping me with.
Product: Payday loan, title loan, or personal loan

I 'm trying to have my refund settlement check re-issued by ACE CASH EXPRESS, INC.REFUND ADMINISTRATOR. The Date of issue was XX/XX/XXXX which has been over 90 days, due to medical conditions, including XXXX  from XX/XX/XXXX thru XX/XX/XXXX I was not able to handle my business. This check was for the amount of {$290.00}. I have called the phone number on my correspondence letter, that my check is attached to, I have e-mailed & wrote a certified letter on XX/XX/XXXX to the Ace Cash Express Inc. Corporate Office. No response from any form of my comunications. My complaint is I want my check re-issued. These funds have been allotted to me.
Product: Mortgage

I believe my loan servicer is fraudulently attempting to foreclose on my property, by using deceptive practices related to my property taxes. I own a property in XXXX, GA. When I closed on the property in XXXX of XXXX ; the XXXX taxes were paid in closing through the escrow company. My loan servicer, Cross Country Mortgage, sent me a letter in XX/XX/XXXX saying that the taxes were never paid. I immediately provided proof of payment. In XX/XX/XXXX, they sent me a letter verifying that the taxes were in fact paid and the matter was resolved. In XX/XX/XXXX, they sent me another letter saying that I still owed XXXX taxes and they were paying XXXX XXXX the $ XXXX on my behalf, and would later bill me for the tax payment. I immediately called upon receipt of this letter, and the Cross Country Mortgage representative confirmed that this new letter was a mistake. I was told it would be corrected. Now, in XXXX of XXXX, I am attempting to make my mortgage payment on time, as I have always done so consistently in the past, but I can not, because Cross Country has forced my account into an escrow account with a negative balance for the XXXX back taxes. Most importantly, the mortgage company has intentionally ignored my proof of payment of my property taxes and my repeated attempts by phone to have this matter fixed. Due to this incorrect escrow account my mortgage payment has increased by {$1500.00}. I can not afford this additional amount, and to make matters worse I have to pay the new XXXX taxes to XXXX XXXX by XX/XX/XXXX. I am suffering from serious emotional and financial strain due to the fraudulent practices of Cross Country mortgage, since their payment system does not allow me to make even my regular mortgage payment, and instead requiring the entire payment in full including escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Compliance Standards. This alleged debt are reporting fraudulently the XXXX  Main credit bureaus work for me and I want this unverified debt removed, due to willful non-compliance due to FURNISHING MY PRIVATE INFORMATION WITHOUT XXXX DISCLOSURES you must remove all inaccuracies. Under the CONSUMER CREDIT PROTECTION ACT AND THE EQUAL OPPORTUNITY ACT U MUST MAKE THE CHANGES UNDER MY REQUEST, How was this verified? 
If a debt is sold to a 3rd party a consumer ( you ) have a right to know how much it was sold for, and if the debt was assigned to a third party the consumer ( you ) have a right to know what their commission is if they are successful in the collection of such debt. please remove this debt collection.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX for Inaccurate Reporting and Failure to Provide 1099-C To Whom It May Concern, I am writing to formally submit a complaint against XXXX rega.rding the inaccurate reporting of my account on my credit report. My account number is XXXX I have disputed this account multiple times with XXXX, XXXX, XXXX, and Transunion due to its designation as a " profit and loss write-off. ", Inaccurate payment history, and Inaccurate account status. Despite my efforts, XXXX continues to report this account inaccurately without providing me with a 1099-C form, which is required for such a write-off. This lack of documentation raises concerns about tax implications and compliance with the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I have the right to dispute inaccurate information on my credit report, and I believe that XXXX has failed to fulfill their obligations in investigating and rectifying this matter. The continued reporting of this charge-off is not only misleading but also damaging to my credit profile. 

I request that XXXX immediately remove this charge-off from my credit report as well as the negative and inaccurate payment history until they can provide the necessary documentation to support their claims. It is crucial that my credit report accurately reflects my financial history, and I believe this accounts current status violates my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

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

According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. 

A previous dispute about this account XXXX XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below. 

- There are XXXX different payment status. It is also against the FCRA to publish a charge off with late payments. Equifax is reporting ok from XX/XX/XXXX to XX/XX/XXXX, then goes to 120 days late the next month. There is no XXXX day late for the previous months it jumps straight to 120. 

- Date of last activity is different on all reports. 
- Date of last payments is different on all repots.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has been reporting a charge off debt on my consumer reports. I informed Capital One via certified letter that they are in violation of 15 U.S. Code 1681s2 Responsibilities of furnishers of information to consumer reporting agencies, by reporting this inaccurate / incomplete information. Additionally, I referenced other Federal laws, specifically, from IRS 2021 publication 4681, where it states : " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return ''. The IRS defines a " Charge Off '' as " Gross or ordinary income '' ; and further states that a Canceled Debt or a Charge Off is INCOME. Therefore, INCOME is not reported on consumer reports. I notified Capital One of this notating 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) ; and had given Capital One 10 business days to Cease this erroneous reporting. Capital One has responded by letter asking for further information from me, i.e. the last four digits of the card account number, my identification, and requesting " the inaccurate information '' when, in fact, I have already submitted this information. Some proof of this is notating the last four digits of my account number on their response letter to me. I am uploading all documentation here.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting each Inquiry showing on my credit report for auto financing as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 ) days that is typically allowed to check different lenders and find the best loans. These inquiries are of like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report as only ( 1 ) inquiry. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit card

I paid all balances for services off on my PayPal Credit and they are still saying I have a balance. I talked to someone amd they said charges were wrong amd there fault and that they will resolve and take off all charges and fees for interest. The call was recorded amd the woman I spoke with spent an hour with me on this. They are saying now they have nothing showing that. I was told I didn't have to do anything else and all charges were removed. They have now reported to credit bureaus amd its affecting credit. This has never happened to me. They are calling and emailing daily amd harassing me. I want this off my back. It's so wrong how much time I've spent trying to resolve this especially after finally feeling relief it was resolved amd someone helped me. Now they are acting like that never happend. This is not ok and I'm not paying after I was told it was there fault and said all was resolved. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters were send XXXX XXXX Letter sent XXXX XXXX Called XXXX XXXX Called XXXX XXXX Unauthorized inquiries on report already have fraud alert on report and victim of breach information keep getting they have not recieved letters and they cant do anything
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a XXXX XXXX account # XXXX that is not mine. I have contacted XXXX XXXX and they have provided me a letter of relief from any responsibility. XXXX XXXX has also stated that they have sent multiple notifications to TransUnion. I have filed multiple disputes with TransUnion and they have failed to investigate properly and continue to report this account. TransUnion is Illegally reporting this information.
Product: Credit card

I received a email alerting me that applications was submitted to jpmcb but was block do to a credit freeze. I didnt fill out an application nor did I give any one permission to on my behalf. I contacted XXXX right away to notify them I didnt submit any credit application today. I was then told to call chase to alert them that this application was file fraudulent. I called chase application department at ( XXXX ) XXXX in which the rep said had ask to provide my ssn and name. Upon looking she locate the application and flag it as fraud I request a copy of the application to file with my police she told I would have to follow the step in chase identity theft kit to be able to obtain a copy of. In which she ask for my address to mail out the theft kit and also told me that a letter would be sent over to the credit to remove and inquire from this.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is reporting an account with XXXX XXXXE on my credit report again and I have never transacted any business with XXXX XXXX This account was previously blocked twice from my credit report by TRANSUNION due to identity theft about the dates of XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on My Credit Report Dear [ CRA Name ], I am writing to dispute an account listed on my credit report with account name " XXXX XXXX '' and account number " XXXX. '' The information reported is inaccurate and requires correction. 

Specifically, the account has been reported as charged off for every month in XXXX, which seems redundant and potentially a violation of the Fair Credit Reporting Act. Additionally, I am requesting verification of the following details : The accuracy of the reported balance of {$1500.00} Documentation validating the charge-off status and original balance Any inaccuracies in the terms and status updates Please conduct an investigation of this matter, verify the information with the original creditor, and provide me with a written response detailing your findings. 

If you find the account to be inaccurate or unverifiable, I request that it be promptly corrected or removed from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX, WESTLAKE FINANCIAL SERVICE : XXXX WESTLAKE FINANCIAL SERVI XXXX XXXX XXXX XXXX XXXX, CA XXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

Willing to do a pay to delete negotiation, debt was sold to a debt collector within 30 days for {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to check my credit report, and I noticed some unauthorized an unrecognized inquiries. 

( XXXX, they are as followed : ) 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 ( Experian, THEY ARE AS FOLLOWED : ) XX/XX/XXXXXXXX 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 XXXX XXXX  matter of fact, any inquiry made in XXXX, or XXXX of XXXX is unauthorized an unrecognized
Product: Mortgage

Bank of America denied me with the answer with are NO LONGER reviewing your home loan assitance
Product: Debt collection

Hello, this is XXXX XXXX, I have attached my identification for your review. I look forward to your prompt attention.
Product: Checking or savings account

In XX/XX/2022 someone stole my card and caused me to overdraft my account. Once reported with this bank I also provided police report and the card was canceled and reissued. 
With the assurance from the bank once it was found in my favor the over draft fees would be refunded. Not once did this occur. Within 20 days the cased was closed in my favor but the XXXX dollars in overdraft were not refunded as promised. I contacted customer support and the assured me they would credit me. By XX/XX/XXXX no credit yet additional fee have been applied as promised yet as of the XX/XX/XXXX I now have XXXX in fees taken from my account each time they assure me it be corrected I find additional fees applied no credits. I'm on XXXX I cant keep having them take more and more of my direct deposit the hardship it is causing my family continues I don't know what else to do. I fear another call because each one has only increased overdraft fees. 
Please help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok what the actual complaint is that I had XXXX XXXX score for the last year or so and XXXX XXXX  but recently it has changed to XXXX almost a hundred points I have been making payments iv only added XXXX dollars to a XXXX account but nothing else has changed. And only 3 inquiries in a year 2 of those have been approved this is according to credit karma they have no answer for the almost 100 point drop being that they are connected to my credit score I feel something isnt correct or someone has hacked my credit? If they can get my personal information with my ssn and tell thats the information given then something illegal is going on.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear EXPERIAN, I am writing to express my frustration and confusion regarding the repeated responses I have received from your company regarding the status of the disputed account. FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : I have the sole authority to determine what information should be considered private. I insist that this information not be shared on my credit report. 

Despite providing new and relevant information that clearly demonstrates the inaccuracy of the account in question, I continue to receive the same letter stating that the account has been verified. This leads me to question whether my information was adequately considered during your investigation process, and whether it was forwarded to the court for verification. I am interested in learning about your interactions with court representatives, including their full contact details. 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

" Chapter XXXX Bankruptcy '' with Reference # : XXXX. 
Account is reporting when the XXXX bankruptcy court does not report to anyone. This is a Violation of my privacy. Please delete. 

Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report. 

While I may not be an expert on credit bureaus and credit reports, I have conducted research that leads me to question the reliability of the XXXX XXXX  that is reportedly used for investigations. I understand that this system may not always provide accurate results, and it is unfair to rely solely on it for verification purposes. 

Furthermore, my research on the Federal Trade Commission ( FTC ) website indicates that credit bureaus are required to conduct thorough investigations rather than simply parroting information provided by creditors and collection agencies. Failure to do so may result in legal action under the Fair Credit Reporting Act ( FCRA ). 

I am reaching out to you with the hope of resolving this matter amicably. However, if your company chooses not to take appropriate action, I will have no choice but to file multiple complaints and seek legal advice from an FCRA attorney. 

I urge you to conduct a new and thorough investigation into the disputed account and take the necessary steps to correct this issue promptly. 

Thank you for your attention to this matter. 

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

We have tried calling and emailing GIACT, we have called at least XXXX times over a XXXX week period and they NEVER answer the phone, always a voicemail that you CAN NOT leave a message. Their company seems to have my personal information which I DID NOT authorize them to have.
Product: Credit reporting or other personal consumer reports

I did not consent to authorize nor benefit from these inquiries
Product: Mortgage

During recession had to file bankruptcy on home loans with XXXX and XXXX. After year bankruptcy was discharged bank of America sent me paper work claiming they bought my mortgage loan. Due to their fraudulent claim aginst me and apperently others they were involved in a class action lawsuit, of which I received a settlement check. After currently checking my credit report, they still seem to be fraudulently claiming I had a home loan with them, which I never have or will. Wondering how they can lose lawsuit and still say something that 's not or ever was true.
Product: Debt collection

True accord is contacting me on behalf of XXXX XXXX. I have some financial difficulties right now which was why I stopped paying my XXXX bill. It was through no fault of my own. True accord want me to pay {$200.00} a month or hire. I simply can not afford to pay that high of payment. I can only afford to pay {$50.00} a month.
Product: Credit card

Capital One offers the option to transfer your rewards points to one of their XXXX XXXX. However, when you are logged into your account to complete the transfer, they do not let you without using XXXX authentication. The only option to use is to have them check your name against the name on your cell phone account to receive a code. If your phone account is not in your name, then you are out of luck they say. I was told I would need to go open a whole new cell phone account and plan in my name to be able to access and transfer the rewards points I earned through spending. My business pays for my cell phone service, so my number is registered to them. Lots of people have family plans and may have a parent or partner that the plan is registered to. So, Capital One is saying because the line isn't registered to my name, they are unable to verify my identity and let me use my reward points that I earned through spending. They offer no other way to use XXXX authentication other than this method for converting rewards. However, when accessing other areas of the website allow you to use mobile app verification as well as sending you a code via text. So, I am not quite sure why they can not send the code via text to login and convert rewards. They say it is for account security, but it is less secure to access my account then transfer rewards? They are false advertising their product and pulling consumers in to spend money to gain these rewards, but are not giving us what was promised when we signed up.