23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I was called by the One Main Financial store in XXXX KY. ( I do n't have a loan with them, I have one with the XXXX KY office. ) This girl named XXXX from that office called my cell phone. My co-worker answered and she told him that she needed to speak with me about a legal matter. She told him where she was calling from and told him that they were filing court to garnish my wages. One Main Financial 's representative violated my personal privacy about my financial situation. She should NOT have told him any of personal information. Then she threatened me with legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate information for an XXXX acct # XXXX showing charged off for more than 180 days and they sent a 1099C. FCRA sec 623 this is illegal this is reporting inaccurate.
Product: Checking or savings account

I received and email from Chime on Saturday saying welcome to Chime, and then I received another email saying they are sending my debit card. I called the company and they couldnt tell me for a fact if an account was opened in my name. I have been emailing the support address trying to get the issue resolved and they have not done anything. They keep saying I clicked the chat link ( which I havent ) and said they are closing the ticket. I have never opened an account at Chime nor will I ever. Its apparently fraud and they wont do anything about it.I also have emails where I tried to get this issue resolved and I can provide them if needed.
Product: Credit reporting or other personal consumer reports

To XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Resolution American Express ( Acct : XXXX ) ** Dear XXXX & American Express Representative , I am formally disputing the incorrect charge-off listed on my XXXX credit report for American Express due to errors in reporting, failure to notify me, and potential IRS non-compliance.

Account Details : Creditor : American Express Account Number : XXXX Status : Charge-Off Date Reported : XX/XX/year> Issue : Account was settled, yet still marked as charge-off, with no IRS Form 1099-C issued Reasons for Immediate Removal or Correction : The account was settled in full, yet still marked as a charge-off.

This account was legally settled for less than the full balance, meaning it should not be reported as a charge-off but rather as " Settled Paid in Full. '' The reporting misrepresents the true status of the account, violating Fair Credit Reporting Act ( FCRA ) guidelines.

Failure to Notify Me of the Charge-Off ( FCRA Violation 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) Under the FCRA, creditors must notify consumers before reporting a charge-off to the credit bureaus.

American Express never sent me any notice informing me of this charge-off before it appeared on my report.

Failure to Issue IRS Form 1099-C for Canceled Debt ( IRS Violation 26 U.S.C. 6050P ) If American Express canceled {$600.00} or more of this debt, they were legally required to issue Form 1099-C and report the canceled amount to the IRS.

Since no 1099-C was issued, this charge-off is either invalid or should not exist on my credit report.

Requested Actions : Remove the charge-off from my credit report immediately to correct this reporting error.

Update the account status to " Settled Paid in Full '' instead of " Charge-Off. '' Provide documentation proving I owed a balance after my settlement agreement.

Provide written proof that I was notified before this charge-off was reported.

Confirm whether American Express reported this charge-off to the IRS and provide a copy of Form 1099-C if applicable.

If no valid proof exists, issue a formal statement confirming the charge-off was incorrectly reported.

Under FCRA ( 15 U.S.C. 1681i ), you are legally required to investigate and respond within 30 days. If this charge-off is not removed or corrected, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and the IRS for investigation into non-compliance with tax reporting laws.

Please confirm receipt of this dispute and provide written confirmation of the resolution. You may contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX
Product: Debt collection

Synergetic Communication XXXX XXXX XXXX XXXX XXXX XXXX Texas placed two charge off accounts on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent them a certified Debt validation letter on XXXX XXXX XXXX. After a week or so the charge-off/collection amounts were removed. In XXXX Synergetic reinstated one charge off collection amount with no account XXXX. The amount was approx. {$3900.00}. Today, XXXX XXXX XXXX I sent another debt Validation letter. This alleged debt was For Virtual Home Realtor in XXXX XXXX XXXX  I never used the services, nor did I borrow money or obtain any credit from them. Thus far Synergetic has not provided me with any information as to the alleged debt validation latter 's.
Product: Debt collection

This company has been reporting to credit bureaus claiming that I owe a debt that I have no knowledge of. Despite my several disputes the company continues to report on my credit report monthly of a debt that they refuse to validate despite my several requests that have been sent certified mail
Product: Credit card or prepaid card

XXXX XXXX of XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX has committed countless acts of fraud toward discover including but not limited to synthetic Id theft by creating synthetic identitys XXXX XXXX who does not exist and having that synthetic ID piggy back off of her to build a score and defraud lenders. She also has done countless chargebacks including hotel stays and airline tickets. I believe discover is complicit as I have been reporting these incidents for some time now to no avail. I will attach her fake drivers license with her face and the fictitious name she created then added it to her discover card as an authorized user. I will also attach the fake profiles XXXX  XXXX  info.
Product: Credit reporting or other personal consumer reports

This private student loan was opened in XXXX and I renewed an in-school, active student deferment/forbearance form every year as required by Wells Fargo, signed and certified by my school 's official. I called every time to request the form to be emailed to me, then sent the form back and followed up in a week or so to ensure it was received. My forbearance form in XXXX was no different ; I called to ensure it was received, and the XXXX  representative stated it had been applied as requested and would be good for another academic year. I thanked them. A few months later, I noticed on my credit report XXXX late payments, significantly dropping my credit score. I was shocked and called Wells Fargo. They stated they would apply the in-school deferment and did so starting XX/XX/XXXX, but never removed the incorrectly reported late payments from XXXX and XX/XX/XXXX. I also never received mail, e-mail, or phone calls telling me I had a payment due. I have repeatedly attempted to contact Wells Fargo to no avail ; calls were escalated, I would wait on hold for hours, and eventually be told that it was a specialized department and someone would have to call me back. I never received a call back. In XX/XX/XXXX, the loan was sold to another servicer and there is apparently no one at Wells Fargo I can speak to any longer. This is extremely frustrating and simply wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information reported on my credit report this is inaccurate and I need it remote and fix I have been a victim of identity theft and trying to rebuild my credit and protect it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit card or prepaid card

I had previously filed a CFPB Complaint No. XXXX, to which I have received NO RESPONSE from Citibank. 

In the interim, I received my XX/XX/XXXX Statement from Citibank that shows that on XX/XX/XXXX Citibank reversed the " provisional credit '' of {$930.00} that they had given me when I made the original dispute.

Even though the provisional credit was reversed on XX/XX/XXXX, Citibank waited an additional 17 days before sending me the Billing Resolution Dispute letter dated XX/XX/XXXX. I received and responded to their Billing Resolution Dispute letter on the same day, i.e., on XX/XX/XXXX, at which time I provided Citibank with DOCUMENTARY EVIDENCE, including the USPS Tracking record and Signature Receipt showing that the item was returned to, and accepted by, the " merchant ''.

Notwithstanding the fact that my email of XX/XX/XXXX to Citibank provided written proof that they improperly reversed the provisional credit, Citibank failed to reapply the credit prior to the closing date of my XX/XX/XXXX statement. Nevertheless, Citibank had no problem adding THIRTY-TWO charges to that Statement, ALL DATED AS OF XX/XX/XXXX, or thereafter.

Further, Citibank added a " Finance Charge '' of {$190.00} to my XX/XX/XXXX Statement, NOTWITHSTANDING THAT I PAY MY ACCOUNT, IN FULL, EACH MONTH, and notwithstanding that they failed to reapply the credit that I am owed. 

In view of the above, my XX/XX/XXXX Statement is OVERSTATED by {$1100.00}!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I began the loan modification process in the Spring of XXXX. All paperwork was signed and completed and returned to U.S. Bank in XX/XX/XXXX. All trial payments were made each month for the first 3 months beginning in XX/XX/XXXX, and all payments have been made every month since. I have made multiple attempts to get my statements and credit updated to show that my account has been modified and is now current. I've left messages and sent emails to the relationship managers on my account. In the past two weeks, I have spoken with 4 different relationship managers in the Loan Modification Department ( MAP dept ) at U.S. Bank. I still have not had any resolution. My credit report continues to incorrectly show that I'm 120+ days past due, which is significantly hurting my credit score and likely why I have a high interest rate on my vehicle loan and have not yet been able to refinance it. I also found out that in addition to U.S. Bank not updating my loan and payments with the credit bureau, nothing has been sent to the Recorder 's office where I live. It seems that absolutely nothing was done after the paperwork was signed and returned. They confirmed on XX/XX/XXXX, that they received all the paperwork and that " it appeared '' nothing had been done after that. My rights for fair credit reporting are being violated and they need to fix the problem.
Product: Mortgage

I am in the midst of selling my home and have been at a stand still with the closing process. The closing was slated for XX/XX/XXXXand we are now on XX/XX/XXXX with no scheduled closing date. I have been given false or incorrect information numerous times. I moved out of my home with the understanding that the closing was going to take place last month. I am now having to be faced with paying rent in my temporary living and paying the mortgage on the house. This not only has impacted me but the buyer of the home as well. Everyone is in Limbo now and how is it that this lender thinks that this is right by any means. I have contacted upper management and I was told that my file would be escalated. Still nothing has happened. I have over 20 years of experience working in the mortgage industry, processing loans and this is absolutely unacceptable.
Product: Credit reporting or other personal consumer reports

I noticed that unauthorized inquiries are showing up on my credit report this morning and I have no idea why. I just checked my credit report as I usually do but this time there were discrepancies out of nowhere. I tried refreshing my browser to see if it was just a malfunction or something but it was not. The unauthorized inquiries did not get removed when I refreshed my browser. Because of this issue, I am asking that the documents I've sent will be checked thoroughly so that I can never worry again about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that XXXX XXXX has gathered my personal information ( pubic records/criminal history ) from the Alabama court house or some data furnisher without my consent, it is my personal data and private information, sharing this information has caused me to lose jobs i was already working, and prevented me from getting potential jobs ; the court system is not authorized to release, sale, promote this information because it is against the law, disposals of records, cause adverse actions in my life for years on my behalf, unauthorized, defamation of character, invasion of privacy, accurate reporting is required by law
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account ( s ) Name : XXXX XXXXXXXX Account Number : XXXX, XXXXXXXX XXXX XXXXXXXX Account Number : 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 ; also states a consumer reporting agency can not furnish a 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 antedates 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: Credit reporting or other personal consumer reports

Just like the commercial said I should I got a copy of my credit report and there are things that just arent accurate on it. I am greatly concerned because I am a good paying person and dont want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. I thank you so much for taking the time to help me fix this all up as the commercials said you would be helpful in fixin this kind of stuff. Remove the late dates and negative status of these accounts : 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
Product: Debt collection

In XXXX, I purchased a car with CAR HOP ( Universal Acceptance CORP ) that I voluntarily returned. Carhop ended up selling the account to XXXX XXXX   XXXX  which resulted in me having to go through XXXX to pay the debt off. XXXX and I settled on the debt, and I paid the FULL amount of the collections account on XXXX ( LETTER OF PROOF ATTACHED ). I contacted XXXX XXXX  XXXX  to remove the collections account on my credit report and they happily did so, since the debt was paid off. 

( COPIES OF GOODWILL LETTER, XXXX PROOF OF PAYMENT LETTER, AND COPY OF CAR HOPS REFUSAL LETTER ATTACHED ) On XX/XX/XXXX, I wrote a letter to Car Hop, because they were still reporting a delinquency to the credit bureaus, and had the audacity to update the account which will now will result in having this account stuck on my credit report for another SEVEN YEARS. I sent them a goodwill letter asking them to remove the account that they were reporting, and also provided them with proof that I had paid the debt off. They wrote back saying that they are refusing to do so. I shouldn't have to suffer from something I did when I was a teenager. I paid the debt off, sent a goodwill letter, and yet they still refused to delete the account, only updating the account to report inaccurate information. Now i understand why they were penalized by CFPB in XXXX because they're consistently known for jeopardizing consumers credit reports. 

This account was originally added to my credit report in XXXX. Its now XXXX, SEVEN years from now, which means this account would have naturally fallen off this year. But they decided to update it, even though they sold the debt. A deletion would be a fair solution.
Product: Checking or savings account

I received a PPP loan from capital plus financial into my XXXX  XXXX savings account. XXXX  XXXX  allowed me to make a withdrawal from the branch for some of the funds. Then, the bank put a restriction on both bank accounts and are withholding the remaining funds. I need some assistance on getting those funds sent back to me. Thank you.
Product: Checking or savings account

On XX/XX/2022 I opened a Checking and Savings account with Ally Bank. Immediately after opening the account I transferred {$250.00} via XXXX into my new Checking account. The next morning on XX/XX/2022, I received an email that my account had been locked and I needed to call Ally to fix it. I called right after receiving that email, and the person on the phone told me that logins were attempted on my account from another country and they had locked the account for that reason. I was told someone from the Fraud department had been assigned and I would receive a call back within XXXX business days. 

I did not receive a call back, and had to call again myself. I was transferred to the Fraud Department and they told me that I would need to provide photos of my Driver 's License and Social Security card in order to unlock my account. At this point I decided I no longer wished to bank with Ally, and asked that they return my funds and close the account. The person I was speaking with said they could not do that and explained that the only way for my money to be returned and account closed was to provide the private documents that they requested. Ally has proven to me that they are an untrustworthy company by only locking my account and requesting these private documents after I deposited my hard earned money into their account. I explained to the representative that I do not trust Ally, and will not provide the requested documents. I was transferred to a supervisor, and got a voicemail that told me I would receive a call back with 48 hours. I left a message, and 3 business days passed without a call back. 

I called Ally again on XX/XX/2022, and again explained my situation to the representative who told me the same thing as previous, and again offered to transfer me to the supervisor voicemail, I insisted that I told directly with a supervisor and not the voicemail because that did not get me a call back last time. The representative said there is nothing else they could do for me, and transferred me to the voicemail where I again left a message to be called back. 

At this point it feels as though Ally Bank has stolen this money from me, and is holding it hostage until I turn over my private information. I no longer trust Ally Bank, and will not provide them with any further documentation. I would like my money returned exactly as it was deposited, and my accounts closed.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
These are the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX/XXXX  XXXX {$6600.00} XXXX XXXX XXXX {$210.00} XXXX XXXX {$85.00}