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

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

XXXX YOU FURNISHING INACCURATE INFORMATION TO THE CONSUMER REPORTING AGENCIES. 

The Reporting of this Account as a Debt is Inaccurate.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code ( 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.

( 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. 


The

Reporting of this Account as a Debt is Inaccurate. THE LEGAL DEFINITION PER THE IRS DEFINES A CH
ARGE OFF AS INCOME. 
INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT. 



XXXX CONTINUES TO VIOLATE MY RIGHTS BY REPORTING GROSS INCOME AND ORDINARY INCOME ON THE CONSUMER REPORTING AGENCIES BREAKING THE LAW. THIS ACCOUNT IS A " CHARGED OFF '' THE LEGAL DEFINITION PER THE IRS DEFINES A CHARGE OFF AS INCOME. 
THE REPORTING OF THIS ACCOUNT AS A DEBT IS INACCURATE. 
THE IRS STATES CLEARLY THAT ANY GROSS INCOME OR ORDINARY INCOME CAN NOT BE REPORTED INTO A REPORT BY ANY FURNISHER OR CREDIT REPORTING AGENCY.A CHARGE OFF IS GROSS INCOME PER THE IRS. DELETE THESE ACCOUNTS MENTIONED IN THE COMPLAINT ASAP AND I'M REQUESTING {$1000.00} PER EACH VIOLATION. XXXX XXXX XXXX XXXX. XXXX Continues to Violate multiple laws from Congress 15 U.S. Code 1681a ( 2 ) ( a ) ( i ). CHARGED OFF is considered a certificate of indebtedness per the IRS and income can not be reported making The Reporting of this Account as a Debt is Inaccurate. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORTS BY LAW AND By Definition PER the IRS Clearly says a Cancelled debt or Charge off is Income. ADDITIONALLY THE LAW CLEARLY STATES Code 1681a ( 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 ( XXXX, ) making the report. 

ADDITIONALLY I never received a 1099-C FROM for the cancelled debt. XXXX is writing off debt with the IRS years Ago WITHOUT sending out 1099-C as required by the IRS for debts greater than {$600.00}. This is ILLEGAL. 


You are hereby put on notice that you are reporting incorrect inaccurate information. 

DELETE THIS ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to obtain my Experian credit report and credit score from a multitude of sources. I am also unable to create an Experian account online. I hear that this may be due to a split credit file, or something of the sort. Please inform Experian of this matter and have them send me my full Experian report and credit score. If possible, please have them send me instructions advising as to how to solve this issue, as well as who to contact. Thank you.
Product: Credit reporting

I have sent Equifax XXXX separate letters challenging inaccurate information on my credit report. There is an account that is reporting a balance inaccurately, XXXX XXXX XXXX, and we have attempted to contact this company directly but the address they published on my credit report is inaccurate. Equifax claims to have " verified with creditor '' and I believe this to be false. How can Equifax verify it when I 'm the proposed Debtor and the company has n't even verified with me. Unbelievable and does n't seem fair. I need help getting Equifax to remove the negative balance on an account that should n't be reporting a balance in the first place. This is keeping my family from getting a new home and we are prepared to file a lawsuit against this company. Attached are the supporting documents for our claim. Thank you*** Attached is my credit report & returned mail for XXXX XXXX . On the last page of my credit report you will see the address published and on the returned letter you will see the same address***
Product: Mortgage

This decision was based on a strictly voluntary credit/consumer report that is not backed by law according to the Consumer Financial Protection Bureau 's `` Key Dimensions and Processes in the U.S. Credit Reporting System : A review of how the nations largest credit bureaus manage consumer data '' page 15 section 3.1.1. Lastly, I was denied my right to credit provided to me by 15 USC 1691 ( 3 ) by Amerisave.
Product: Credit reporting

In XXXX XXXX, I was notified by XXXX that they were canceling my long-term credit relationship because of information contained in my credit bureau file. After having a long history of good credit, this concerned me enough to have my credit report pulled by all three agencies. XXXX was the only bureau that was accurate. Equifax and XXXX both recently reported a collection item from XXXX XXXX XXXX ( creditor was XXXX XXXX ). Since I have never had an account with XXXX, I tried to get resolve it via phone conversations. I was bounced between the Collection agency and the creditor with no resolution. I then wrote letters to both credit bureaus via Certified Letter. I got a letter back from Equifax ( Confirmation # XXXX ) saying, " We have verified that this item belongs to you. '' I was finally connected by XXXX XXXX XXXX, Executive Customer Relations, XXXX, Northeast Division. XXXX XXXX asked for my social security number and agreed it did not match the account. However, he said he " reached out to my identify theft department ; while our skip tracing does place you at the account, this may be a case of identify theft. '' Apparently the cable account was established at an address I had previously lived at with my ex-wife XX/XX/XXXX and XX/XX/XXXX. I moved out in XX/XX/XXXX and moved to XXXX XXXX XXXX, XXXX ( later changed to XXXX XXXX XXXX XXXX XXXX XXXX 's XXXX system ). I strongly believe the XXXX credit bureaus started blending my file at that point because the XXXX XXXX address plus new addresses I have never established nor lived at started appearing on my credit reports. FACTS : 1 ) I have NEVER had an account with XXXX ... at any location! 2 ) I have not lived at XXXX XXXX XXXX, XXXX since XX/XX/XXXX and this account was apparently established way after that time period. XXXX ) I have never established nor lived at any address in XXXX after XX/XX/XXXX other than XXXX XXXX XXXX, XXXX. From there, in XX/XX/XXXX, I moved with my wife to XXXX, XXXX. In the meantime, XXXX, doing their due diligence, did another investigation and finally recently deleted that collection item from their report. I encourage you to contact them to see what their decision was base on so that this issue can be resolved without proceeding to my next step ( contacting my Congressional Representative and Legal Counsel. ) After months of back and forth discussions/letters between me, the collection agency, the creditor and Equifax , I have NO idea how they can legally tie this account to me when I did not live at the address the account was established under, the social security number established with this account is not mine. They gave me no information on what they believes ties me to this account. I can, however, provide proof to a lawyer, if need be, that this account IS NOT MINE.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting these accounts incorrectly. These collection accounts are reporting not only as OPEN, but also shows a past due balance of {$1200.00} and {$760.00} respectively. According to the FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report.

Please provide me a copy of my new credit report reflecting these accounts removed upon completion. 

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

PayPal. 

Starting approx XX/XX/2023, the Paypal accounts linked to : XXXX XXXX Have lost most of their functionality and I am mostly unable to access and use these accounts as intended. 

Typically, the account will time out and become inaccessible. Sometimes I can log in and use the account, other times when I log in, the account will function briefly and then begin to time out. 

I have dozens of calls to Paypal customer service and also emails to, XXXX. 

A typical email looks like this, _____________________________ XXXX, Would you PLEASE have someone repair my technical issues? 
I ( and others, this is a Known Issue ) are unable to open or navigate to or within, Website, Paypal.com paypal.com/mts My accounts are usually unaccessible, XXXX XXXX Symptoms, Paypal times out either : 1. On login, account times out or if I can login 2. On dashboard, account times out, or if i get to the dashboard 3. I time out Devises affected 3 XXXX style PCs all on diddrent networks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None are able to log in or if they do, move from screen to screen w/o timing out during the screen change to the next page Browsers, XXXX XXXX Other, I can access ANY other website. 

In closing, This fault is on the Paypal side. Account access is sporadic or impossible. 
When will this known issue be fixed? 
___________________________ Thank you for registering my complaint.
Product: Credit card or prepaid card

Comenity Bank issues XXXX XXXX XXXX XXXX. I had a payment due of {$2900.00} in XXXX. I made the payment through my bank ( XXXX XXXX XXXX ) with plenty of time before the due date. I have a screenshot showing that the payment was received on XX/XX/23 and removed just after ( same day ). They claimed on the XXXX of XXXX that no payment had been made. I called the credit card company, my bank, the credit card company again, and attempted to resolve the situation. I ended up putting a stop payment on the XXXX of the check that had already showed it had been processed, and then disappeared from the statement. The credit card company then sent me a second bill for the new charges, plus the original charges of {$2900.00}. I made this payment via personal check which I took to the post office on the XXXX of XXXX for a total of {$7400.00}. This was the bill minus the finance and payment charges ( total of {$100.00} in fees ). Then they charged me the {$100.00}. ; XXXX plus additional charges and stop payment fees, for a total of {$310.00}. I paid this amount in full when I received it. I just received another message from the bank on XXXX stating that my payment was due by XXXX. The payments all show as credited on their system as of XXXX, and all monies have been taken out of my bank. This took a few weeks to resolve with a lot of stress and concern, and XXXX has been less than helpful. I wasn't able to talk to anyone at the bank, only the call center. And I know that a few people I know have been going through the same issue with lost payments.
Product: Checking or savings account

I wrote a check in the amount of {$760.00} dated XX/XX/XXXX to XXXX XXXX XXXX XXXX. The check was cashed on XX/XX/XXXX but XXXX said they never received the check. XXXX asked me for a copy of the check ( front and back ) so that they could investigate. My bank ( XXXX XXXX XXXX ) sent me an electronic copy of the front and back of the check but the back of the check was blank ( nor endorsed ). I also have my XXXX statement showing that the funds were withdrawn from my account. XXXX determined that they did not receive my payment so I still owed them {$760.00}. I ended up sending them a new check for the {$760.00}, otherwise they were going to cancel my policy. At the same time I reached out to XXXX to file a claim. All XXXX would tell me was that the check was cashed by Bank of America -- I believe in XXXX but Im not entirely sure. In order to recoup the funds from BOA, XXXX asked me to submit a Declaration of Unauthorized Endorsement or Altered Item, to be completed by myself and XXXX. This information was submitted to XXXX on XX/XX/XXXX. I received a letter dated XX/XX/XXXX from XXXX stating that the bank that accepted my check ( BOA ) is responsible for repayment and that they ( XXXX ) had initiated a claim on my behalf. I spoke with XXXX on Wednesday, XX/XX/XXXX about the status of my claim and they said they have reached out to BOA numerous times about this situation but have yet to receive a response. Its impossible to get through to anyone at BOA about this situation so XXXX suggested that I reach out to you for help.
Product: Checking or savings account

On XX/XX/2019 XXXX Sunday my vehicle was stolen from my house with my wallet inside. My Chase debit card was used without my permission or knowledge at a nearby XXXX. I filed a police report with the XXXX PD and was informed that video surveillance was captured of an individual who was not me using my debit card. I received a couple text messages from Chase alerting me of the fraudulent card uses. I cancelled the debit card and had a new on issued. After Chase 's supposed investigation Chase determined these charges to be accurate and are not going to refund my money. Chase 's fraud protection program is false advertisement at best.
Product: Credit card or prepaid card

I received a letter a week ago stating Chase is changing the Annual Percentage Rates [ APRs ] as described because my APRs they offer are below rates they currently offer. My revised rate will now be 12.24 %, instead of my current rate of 7.4 %, and will be based on the prime rate. 
I want to state that when the card was taken out in 2002 the interest was 11 or 12 percent based on the prime rate.It could have gone up then, but the prime was lowered, therefore the current 7.4 %. 
It is not fair to raise it that much this early, with the chance of the prime rate set to rise in the coming months. We have been good customers, paying more than the minimum payment, and on time. 
This particular Chase card is listed for XXXX XXXX, with XXXX XXXX as co owner. Our address is XXXX XXXX XXXX, XXXX XXXX, OH XXXX. XXXX. 
Address : Chase XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX
Product: Mortgage

I've had nothing but problems since this company took over my XXXX mortgage only a few months ago. Most recently, I received a notice that my payment was not made for this month. I checked my bank account and saw that the normal payment was debited. I called the company and they told me that due to an escrow analysis, the monthly payment had increased for XX/XX/XXXX. They told me that the payment was made, but for the lower amount and the account was sitting in an unapplied funds status. I told them that I never received an increase notice or an escrow analysis. I only received a notice that they recently changed their name from XXXX XXXX to XXXX. I have had my mortgage for a while and never missed a payment and was never late, as I have my payment on auto pay thru my online banking. I asked if the late fee could be refunded as a one time courtesy, due to my relationship and history of on time payments. The rep told me that nothing could be done. I would like to have the late fee waived, as I have adjusted my payments to include the new increased payment and paid the difference to bring my account current. If nothing can be done, I will pursue other options, as far as taking my business elsewhere.
Product: Checking or savings account

Hello, I opened my US bank business checking on XX/XX/XXXX, At that time, US bank has a promotion to open a business checking account. 

These are promotion requirements : Earn your {$800.00} Business Checking bonus by opening a new U.S. Bank XXXXXXXX XXXX XXXX  with Interest, XXXX, or Business Essentials ( Only available in certain markets ) Business Checking account between XX/XX/XXXX and XX/XX/XXXXXXXX You must make deposit ( s ) of at least {$25000.00} in new money within 30 days of account opening and thereafter maintain a daily balance of at least {$25000.00} until the 60th day after account opening. 

I deposited {$25000.00} on XX/XX/XXXX, and kept the money until XXXX I have met all promotion requirements, but I didnt receive {$800.00} bonus. Please investigate what happened and deposit {$800.00} bonus into my checking account. 

Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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

I was told by my ban lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. They do not belong to me and I have never applied for those accounts reflecting on my report.
Product: Credit card or prepaid card

Multiple MasterCard credit cards received in the mail from Venmo that I didnt apply to. I requested Venmo provide me with information on wether or not this is a glitch in their system or if it truly appears there is criminal activity. Venmo did not respond. They did close the credit card accounts but that is it. I received twelve credit cards with different account numbers on them. All with the same name except one has a different name. At no point did I ever applying for the Venmo Credit Card, nor did I authorize them or XXXX XXXX to share my Venmo account and personal information.
Product: Checking or savings account

I put to Prosperity Bank the following ... That the letter written by XXXX XXXX XXXX his invective incendiary and a tool used to Cancel me out in a very " Cancel Culture '' manner ... A tool using the powers of the pen to paint me as a criminal when I am certainly not a criminal ... I already took responsibility for things I said under duress. For a woman to do this to another woman is beyond my understanding ... I am a XXXX XXXX  on my own raising my son who is now XXXX years old ... I am small not much at all and very vulnerable ... It is awful that a woman would do this to another woman ... Aggression and rage is very plain behind XXXX 's letter ... The way this situation was handled is a disgrace and XXXX with all her education fails to get certain dates right and never bothered to check her facts ... Something a good lawyer always knows to do which is to fact check and avoid typographical errors ... I am not a lawyer though I dare say ones like XXXX and I make no claim that she is a lawyer either ... Would devour little people like me with their vile hatred and anger ... I state that the letter from XXXX is invective incendiary with intent to cause me more harm and does not intend to de escalate this already very unpleasant situation ... Whatever XXXX was taught in school she certainly never learned how to de-escalate unpleasant situations and empathy is lost on ones like XXXX ... The records show that I acted in good faith to de-escalate this siutuation ... XXXX seeks to devour me like a lamb led to the slaughter of invective incendiary responses that only serves to fuel this fire ... A fire I am trying to put to bed and put out yet XXXX insists on continuing to add fuel to this inferno of incendiary invective as evidenced in her sloppy letter that is evidence that this woman can not be reasoned with and I dare say reason has gone out the window as has empathy and common decency ... I admit my wrongs in this mess ... All I ask is to be given a chance to get on with my small life and to avoid any further interactions with ones like XXXX who would devour me if she could get away with it. That is why I can not close out my bank account with Prosperity Bank though Prosperity Bank put pressure on me to close out my bank account ... I can not do so for fear of being harmed as evidenced by the series of unfortunate events that ones like XXXX seeks to continue and to escalate and fuel ... I refuse to be complicit in abuse like that ... I wipe the dust off my feet in mystical testimony that ones like XXXX are not safe ... That ones like XXXX though highly educated are a nightmare on earth and use the powers of speech and the power of the pen to destroy little people like me ... In the eyes of ones like XXXX I am nothing but a deer in the headlights to be destroyed by the powers of her legal pen full of incendiary invective ... 

Respectfully Submitted by Ms XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Equifax, and XXXX  violated my consumer rights. See attached letter
Product: Money transfer, virtual currency, or money service

I had initiated a XXXX transfer from my Wells Fargo account for {$400.00} to my husbands XXXX  XXXX XXXX account, my husband got an sms from XXXX  XXXX XXXX stating that the amount will be credited to his account along with a confirmation code, however the funds were not received by him into his account and the money was not refunded to my Wells Fargo account, although the statement shows that the money was deducted. 
While Wells Fargo filed a claim and then said the money should be with XXXX  XXXX XXXX , XXXX  XXXX XXXX is not ready to file a claim. 
We have been asked to go from One bank to Another with no one willing to give my hard earned money back. 

Please look into the same and help me get my money back.
Product: Credit reporting or other personal consumer reports

I just reviewed my XXXX and Transunion credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus. 

I have not received any responses yet