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

I am writing to formally complain about the ongoing issue of an unresolved charge-off account on my credit report. Despite numerous attempts to dispute and remove this account, it continues to negatively impact my credit history, causing significant financial harm and distress. 

I would like to provide a summary of my efforts to address this matter : I first discovered the presence of the charge-off account on my credit report. Subsequently, I immediately initiated disputes with your credit reporting agency, providing evidence that this account was inaccurately reported. 

Over the course of several months, I have made multiple attempts to dispute and remove this charge-off account. I have followed all required dispute procedures, provided requested documentation, and communicated with the creditor associated with this account to rectify the issue. 

Regrettably, despite my unwavering commitment to resolving this matter, the charge-off account remains on my credit report, adversely affecting my creditworthiness and causing me financial distress. It has not been removed, updated, or adequately investigated by your agency or the creditor. 

These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I have followed the proper dispute procedures and expected a timely and accurate resolution of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and remove this charge-off account from my credit report. Furthermore, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future inaccuracies on credit reports. 

I am fully aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove this charge off account in XXXX, Equifax and XXXX credit bureaus : XXXX XXXX XXXX XXXX Balance : {$7900.00}.
Product: Debt collection

I have filed a complaint with you about PORTFOLIO RC. This is the collection company that used my personal information to open up an account and added charges that are 3 times more than what I had owed. The originator company is XXXX XXXX. XXXX XXXX lied about applying my payments to my account, and charged me late fees causing my balance to rise. 
I filed a complaint with XXXX, and XXXX XXXX so far these credit companies has done nothing about PORTFOLIO RC, and XXXX XXXX XXXX. These companies both has caused my credit to diminish. They both opened up a account without my consent and knowledge, and they both increased the amount of what was owed to XXXX bank 3 to 4 times of what I had owed. XXXX bank had close the account but without my consent gave my personal information to PORTFOLIO RC, and XXXX XXXX XXXX. This is fraud and I want them to close these account on my credit report. I also want XXXX XXXX, PORTFOLIO RC, and XXXX XXXX XXXX to each pay me {$10000.00} each for destroying my credit. 
It seem wrong when someone can just open up an account using your personal information without your consent, add fees without consent this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 

As Defined by The IRS Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return. 

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 your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 Says Equifax, XXXX, and XXXX is a furnisher of information to a consumer reporting agency. 
Equifax, XXXX, and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Equifax, XXXX, and XXXX to Cease and Desist the reporting of incorrect/ inaccurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

[ Debt Collection ] Subject : Request for Debt Validation Pursuant to the FDCPA Dear [ Debt Collectors Name ], I am writing to you in response to a [ call/letter/email ] I received on [ date ], regarding an alleged debt you claim I owe.

Please be advised that I am requesting validation of the debt as provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ). I do not acknowledge or accept responsibility for this debt and request that you provide proper documentation validating the following :
Product: Credit reporting or other personal consumer reports

Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX ( XXXX ) days of the completion of your investigation. Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your re investigation.
Product: Credit card or prepaid card

My credit card was stolen on XX/XX/XXXX. It was last seen in XXXX XXXX on XXXX XXXX before heading to a friend 's house in XXXX, WA. I was not aware that it was out of my possession until XX/XX/XXXX as I thought it was at my partner 's house in XXXX XXXX. When I logged into my BAnk of America account I found that XXXX was spent on my card at XXXX XXXX in XXXX, XXXX in XXXX and XXXX in XXXX XXXX as well as XXXX 's in XXXX XXXX. I have never spent money at a physical XXXX location nor have I spent that much money in a 24 hour period shopping in my entire credit card history. I reported the card as stolen to the bank and the bank gave me a temporary credit but then later determined that I was responsible for the charges as I had authorized someone to my account. As of XX/XX/XXXX the credit card company declared me responsible for the stolen charges as well as any interest accrued thereafter from those purchases. I appealed the decision of the credit card company twice who then said this type of charge was consistent with my purchase history. Nowhere in my purchase history have I spent more than {$500.00} at a physical location at a store or more than {$2000.00} in less than a 24 hour period. I have a police report on record for the stolen credit card. I am the sole authorized user of the credit card for my business and never authorized anyone to make purchases for me. 

The following were purchases not made by myself : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's : XXXX
Product: Debt collection

The items still showing up on my credit report all need to be removed. As these were charge offs between XXXX by " XXXX XXXX '' prior to selling to XXXX Bank in XXXX of which XXXX Bank is still trying collect debt. Therefore, both negative reporting on ( XXXX XXXX # XXXX AND XXXX # XXXX ) with XXXX Bank need to be completely removed from my file as they were not the original creditor that discharged these accounts. Also, the XXXX negative report remaining from Portfolio Recovery on ( XXXX # XXXX ) was charged off by XXXX XXXX in XXXX and needs to be removed completely from my files. I continue to get letters the claim they have never heard of my complaint but I have made a few through the XXXX agencies and CFPB. I am again attaching a file with proof of charge off 's.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding an overdraft fee I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

I had XXXX deposits into my account on XX/XX/year> ( {$1400.00} ) and {$520.00} ) totaling {$1900.00}. I attempted to withdraw my funds to the debit card linked to my Venmo account and was able to withdraw. I contacted customer service and was told to attempt another card and/or bank account but I continued to receive error messages. Prior, I had did multiple transfers to get money out of my Venmo account with success. Venmo has no reason to keep my funds and I want all of my money released immediately. Venmo has already been sued for this behavior in the past.
Product: Mortgage

Me and my husband are both retired senior citizens, and tried to refinance our home. The BBVA Compass Bank informed us we should not have any problems refinancing our home. We informed them that we did have a bankruptcy on our credit, and it was less than 5 years old. The banking officer informed us that it should not be a problem getting us approved, so we scheduled the appraisal per the officers instruction. The money was taken out of our account without knowledge of the date. We then received a letter stating that we were denied the loan, but we were informed by the officer it would not be a problem getting approved. We were upfront in letting them know about our credit situation, but we were mislead by the bank staff in general. We are XXXX retired XXXX and on a fixed income. The amount of XXXX that was taken out XXXX/XXXX/15 was a setback for us, especially being mislead.
Product: Vehicle loan or lease

This is my fourth complaint for the same matter. I purchased a car from XXXX in XX/XX/2021. The financing was provided by their sister company, Bridgecrest. I paid off the loan in late XX/XX/2021and I still do not have a title. Please don't close this complaint until the matter is resolved.
Product: Credit reporting or other personal consumer reports

Previously attempted to dispute Zelle transfers from my personal account with no resolution from the bank. 
A zelle withdrawal for XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called MoneyLion on XXXX to close and removed an account off my credit, they promised me Im XX/XX/XXXX they would close but still did not. It was reported XX/XX/XXXX to all credit reports even after I was on a recorded lion stating that they would close it and bring balance back down to XXXX $
Product: Credit reporting or other personal consumer reports

Well originally I sent correspondence to Experian after the debt validation process done on my alleged account at XXXX XXXXXXXX XXXX XXXX. They were not able to validate any debt or state their claim of Interest. Therefore I took the whole package and sent it to Experian to show that the account at XXXX XXXXXXXX XXXX XXXX should not be reported on anymore because it was not a valid debt. After this they did not do a proper investigation nor did they give me the details and it came back verified. Then again I disputed that account as well as an XXXX XXXX XXXX account as well that was not valid on my Consumer Report nor did I give either of these companies permission to report my information nor did I give Experian Authority or permission to report my private information. After I disputed this online through the means that they provide on their website once again it came back verified with no details of the investigation nor a proper investigation done. I made it clear that they did not have the authority to report this information because I did not give it. I also told them to remove any names that were not mine or any addresses that was not my current one. On XX/XX/XXXX they responded by saying everything was verified and they did not remove the names that were not associated with me nor did they remove the addresses. I found that they violated 15 USC 1681 section 2 because they were reporting the exact thing that was supposed to be excluded from My Consumer Report which contained information solely as to the transactions or experiences between the consumer me and the person making the report. I also found that they were in violation of section 2 ( e ) when they do not do a proper investigation by the means explicitly and clearly explained in the Fair Credit Reporting Act. I also found that they were in violation of section 2 ( i ) by furnishing improper and invalid information as to corrupt my identity and reputation. They were also in violation of section k ( 1 ) and ( 2 ) ( i ) for reporting false and misleading information that affected my ability to get a loan because of a stain on my creditworthiness. During this time I attempted to get a loan for a new truck as well and I was denied based upon the false and misleading information they were reporting in My ConsumeXXXX Report that was not valid.
Product: Credit reporting

I have disputed individual items on my credit report before, however, this complaint is specifically regarding the re-aging of accounts. Transunion has re-aged accounts on my credit report that should have aged off of and of of reporting on my credit report. I would like for Transunion to scrub my credit report and remove any aged out accounts being reported, as well as removing any accounts that were improperly re-aged which should have no longer been reportable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sense that my credit score is being manipulated and played with for no apparent reason. I personally have about 6 personal credit cards, and 2 store cards, which gives me about {$11000.00} worth of credit. Of the {$11000.00}, I might be utilizing roughly {$2300.00}. The creditors report to all 3 major credit bureaus. XXXX credit services has reported a 19 point decrease over the past 30 days when there has been little to no change within the past month or reporting period. I do not have any open collections, garnishments, bankruptcies, etc. I have paid all of my bills ( over the past 10 years ) on time with no late payments. With the exception of ONE 30 day late credit payment in XXXX. I have NO pending legal obligations, yet my credit score is still at XXXX. Just last month, XXXX had it listed at XXXX. There hasn't been any change or negative impact that should've caused a 19 point difference. My credit have been consistent for the past year with little to no change in usage or status. Let with no other alternative, I'm submitting this complaint in efforts to have this looked at a bit more closely. I have a bday of XXXX, and last four of SS # is XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the unresolved issue concerning late payment accounts on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with late payment accounts remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. 


XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Hello and thank you for taking the time to review my issue. 

I have been struggling to have my federal student loan consolidated for over 4 years now with multiple late payments resulting on my credit score. I am currently paying on the Great Lakes Stafford Loans ( serviced by NelNet ) separately from the rest of my student loans as a result of their refusal to consolidate even after multiple requests and applications for them to do so. I am attaching record of my consecutive late payments on my credit report resulting from my struggles stemming from this issue with Great Lakes and severe health issues that my father underwent during that time which forced me to relocate and assist my family. At this time I am struggling to pay my car loan that sits at a 19 % rate, my credit cards and other debt that is feasting on me with high interest rates due to the derogatory marks from my student loans. Please, if there is anything you guys can do to assist I would be forever grateful. I have not gone late since this past streak on any of my credit accounts.
Product: Mortgage

In XX/XX/2015 Wells Fargo and I were working on a loan mod for my mortgage. I was told by their representative that " all collection activities were suspended. '' Wells Fargo continued these activities by attempting to serve me with a foreclosure complaint while under this suspension. I returned these documents to Wells Fargo and their lawyers but they continued the process. I believe they lied to me in order to hasten the foreclosure by getting a default judgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY DISPUTE SIX ITEMS WITH EQUIFAX  CREDIT REPROTING AGENCY AND THEY FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE ALLOTED TIME FRAME STIPULATED BY LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third complaint I have submitted regarding this issue. Associated Bank doesn't seem to understand the exact nature of my complaint so I will do my best to be as clear as possible. The bank is reporting a closed, paid-in full account as CURRENTLY 30-59 days late. The account was paid in full and closed in XXXX, which was six months ahead of its full term. Associated Bank seems to think I am disputing when the last payment was made but I am not. I'm not sure how I can be more clear. What I am requesting is that this account 's CURRENT PAYMENT STATUS please reflect that the account is not CURRENTLY past-due. The account is being reported this way to XXXX and XXXX. I spoke with representatives from both agencies who confirmed that the CURRENT STATUS for this account is being reported as 30-59 days late. I also request Associated Bank to respond with full details on this account, including the date of the last payment, current payment status, balance, term dates, date opened, date closed. By providing this information Associated Bank will be providing their own proof that this account is closed and not currently past due. It can not be paid in full and currently 30-59 days late at the same time. Attached is the canceled check of my last and final payment for this account.
Product: Credit reporting or other personal consumer reports

I am in desperate need for help with two credit bureaus that deliberately add information that was disputed and removed, back on my credit. This is a vicious cycle that has to cease. They are hurting my credit continually, approx every 2-3 months and this has been going on for 5 years or more. I have fought with them, they remove the information, but very sneakingly they deliberately add old removed false disputed information back on my credit report. I have called and I have talked to numerous individuals with Transunion and XXXX. They will remove the information if I call and spend about an hour and half just trying to reach someone. I have wrote letters explaining in detail what is happening, I have never received any explanation or reason why this keeps happening, I have been in tears because my credit has been destroyed due to the fact I am a victim of fraud and it is very clear and known that my identity has been stolen and I have had to dispute so many fraudulent accounts and Ive provided proof of identity theft with a letter from the irs stating someone was trying to file taxes under my personal information using my social, my home address, my phone number even, it has been a nightmare. I dont know if I will ever recover from the amount of damage that these criminals have caused me by stealing my personal information amd opening up fraudulent accounts using my social and other personal information. I am needing help making sure that the credit bureaus stop deliberately putting false information that was disputed and removed, back on my credit report. I dont understand this and its so frustrating because I have spent countless hours having to contact these bureaus every couple months to dispute and tell them to remove certain information that was removed already. I dont have time or much patience anymore to deal with this. This is my life, they are hurting my credit continually by adding this false information back To my credit report. It was removed and disputed to start with due to it being a fraudulent account. I need them to remove my disputed information and stop putting it back on.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address inaccuracies in these accounts and consistent requests for thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.