23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX  XXXX Balance : {$3700.00} ; If XXXX and TransUnion feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports : XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXXXXXX XXXX 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. This has violated my rights under the FCRA.

15 U.S. Code 1681a ( 2 ) ( a ) ( I ) states that the consumer report does not include information solely as to transactions or experiences ( such as payment history, charge off status ), between the consumer and the person making the report ; XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that company does not have the authority furnish any of my private information relating a consumer to any consumer reporting agencies- XXXX, TRANSUNION, and XXXX. In each creditors terms and conditions, they all agreed not to share my information with non-affiliates. XXXX, XXXX and TRANSUNION are not an affiliate of XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXXXXXX XXXX In pursuant to 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) Duty of Furnishers of Information ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( I ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 
According to my XXXX, XXXX, and TRANSUNION report, this debt has been charged off by the original creditor, which means that the debt has been paid and is considered income. Since a Charge-Off is considered income, it has to be removed as well. Income can not be reported on credit files according to IRS regulations as they are considered a certificate of indebtedness as a 1099-C is filed. I kindly request assistance in reviewing the charged off amount associated with the original creditors ( XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  and also request that an inquiry be made to the third-party debt collector, XXXX XXXX for actual verification and validation affirming that they have a contract with me bearing my signature. 
Lastly, Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXXXXXX XXXX written, non-written, verbal, and non-verbal per 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written numerous complaints about the problems on my credit report on my " Capital One '' account for throughout the year, 2019. 

Both, Capital One and XXXX have responded e incorrectly in saying that a Charge-off and a Write-off is the same thing, but that is not the truth. According to the law the following is true about the difference. 

A charge-off and a write-off sound a lot alike, but they are two very different things. 
Charge-Off. 

The term charge-off equates to when a credit card account reaches 180 days past due. At that point, the credit card company is required to reclassify the account for accounting purposes. Specifically, from a performing asset to a non-performing asset for the bank. 

However, even though a credit card account has been reclassified as a charged off account, the credit card company still reserves the right to pursue collection of the outstanding balance.When a person hears the term charge-off, they often mistakenly think that theyre in the clear and that their debt will be forgiven. Not so. If only it were that easy. As mentioned above, a charge-off is simply a reclassification of the debt, and unfortunately you still owe the money even if the account has charged off. 

Credit card companies handle charged off accounts in a variety of ways : Sometimes the credit card company continues on with their own in-house collection efforts on the charged off account. 

Sometimes they outsource the charged off account to a collection agency, but the credit card company still retains ownership of the account.

Sometimes the credit card company sells the charged off account to a debt purchaser. Just like mortgages are bought and sold all the time, so are credit card accounts.

Write-Off A write-off on the other hand is when a creditor forgives a portion of the balance that is legitimately owed. For example, if you owe {$15000.00} and a creditor agrees to settle the account for {$0.00} on the dollar, they write off {$7500.00}.

Debt Collectors And Charge-Off When an account charges off, the credit card company will place a derogatory mark on your credit report as a way of penalizing you for not paying as agreed. This is standard procedure.

When attempting to collect an outstanding debt prior to the charge-off point ( i.e. 180 days ) debt collectors often make a big deal about the ramifications of having a  charge-off appear on your credit report. They often try to create the impression that youll be ruined financially if a charge-off shows up on your credit report. 

In summary, now you know that charge-off is merely a *reclassification* of the debt that signifies that an account is at least 180 days past due. According to the Law firm of XXXX, XXXX and XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my records, I have confirmed that the payment in question was made on time. Despite this, my credit report indicates a late payment, which is incorrect and does not reflect the true status of my payment history. 

This inaccuracy is of great concern to me as it unfairly impacts my credit score and my overall financial reputation. It is crucial that my credit report accurately reflects my payment history to ensure a fair assessment of my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and up-to-date information. I believe that this late payment notation is a mistake and request that you investigate and correct this error promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Card from XXXX Stoped reporting to my Report. I Disputed and The company did not respond to the dispute and it was taken off of my report. I Requested XXXX Start reporting it to my bureaus and filed a additional Complaint on XX/XX/2019. And XXXX Stated if its Not Back on my report within 30 days that it is a problem on the credit Bureaus Problem So I am Adding a additional Complaint with the bureaus
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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  Original Creditor I advised Experian, XXXX, and XXXX to reinvestigate the aforementioned accounts However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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, credit repair services, or other personal consumer reports

In Accordance with the fair Credit Report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX 15 U.SC 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681c. ( A ) ( 1 ) States no consumer reporting agency may make any consumer report containing any of the following items 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 ) States that a person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

CFPB COMPLAINT # : XXXX US Bank Mortgage my name is XXXX XXXX and ref. to the said above complaint # I have called and talked to a CFPB representative named XXXX on XXXX/XXXX/2016 to help me resolve the issue with US Bank, she has told me she will mail me documents that were received from US Bank, but as of today XXXX/XXXX/2016 I have not received them. Please do not close my case yet because I need to know which month in which year US Bank is claiming that did not received mortgage payment on my property? so I can prove US Bank with a copy of the cashier check that was issued, received and stamped by US Bank on that month. I called US Bank but unfortunately no respond, applied for a loan modification but again no respond yet. Please review this case and help me to get requested documents from US Bank on mortgage of my property at XXXX XXXX XXXX, XXXX, Ca XXXX My phone # ( XXXX ) XXXX Regards, XXXX XXXX
Product: Checking or savings account

A little over a month ago I received my SSD Direct Deposit and another wire from a friend. Added to my account. Both wires have cleared obviously.TheXXXX didn't like that I tried to send some of it to a XXXX Account to invest. It didn't even go through because I had filled something out on the form wrong. So then Wells Fargo put a hold on the account. And kept all the money I had in the world from me, {$27000.00}. They keep extending the hold after lying to me that they are going to extend the hold. They are trying to get the US Treasury Department and this friend to somehow recall their wires which have proven to be good. It is clearly an attempt to keep my money and use it for as long as they can. This seems like fraud to me especially since their Loss Prevention Department keeps lying to me. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX - Date of Inquiry XX/XX/2021 2021
Product: Checking or savings account

I'm reaching out to you because I've had a terrible experience with Marcus, and I hope you can help me resolve this issue and get the compensation I deserve. 

I've been a Marcus customer for years, and I thought everything was fine until recently. It turns out Marcus has a major flaw that many others have complained about -- it's nearly impossible to get your money out when you need it. Whether it's through ACH transfers or wire transfers, you're left without access to your own savings account for days or even weeks. 

Here 's what happened to me : I needed to transfer funds ( $ XXXX ) for a mortgage escrow downpayment, and Marcus locked me out of my account. To make matters worse, it froze all my linked accounts at other banks too. I spent hours on the phone with both Marcus and my other banks, trying to unlock everything, but I still don't have full access to my funds. It was absolutely terrifying not being able to access my own money when I needed it, not just with Marcus but also with the other banks that were linked to it. 

And let 's not even talk about their so-called " same day '' wire transfers. I called them multiple times, asking if they needed more verification, and they said they would expedite the transfer. But the transfer never went through. Every time I called, they lied about it being expedited and promised it would be done by the end of the day. I wasted so much time on the phone, listening to their empty promises. 

This is supposed to be a liquid savings account. They shouldn't have the power to lock you out of all your accounts, even after you've proven your identity. Their rates are competitive, but if you actually need your money for something important, Marcus is the last place you should keep it. 

I'm hoping you can help me with the following : 1. Look into Marcus and their policies on fund accessibility and the impact on linked accounts. 
2. Make sure I can access my funds and restore full control over my accounts. 
3. Hold Marcus accountable for their false claims about " same day '' wire transfers. 
4. Get fair compensation for the stress, time, and trouble this has caused me. 

I believe that by bringing this issue to your attention, we can find a resolution and prevent others from going through the same ordeal. I look forward to your response and hope for a resolution that can bring me and others relief. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently reached out via certified mail to Experian, XXXX  and XXXX about providing validation for an U.S Bankruptcy Chapter XXXX thats reporting on my credit reports. They have failed to provide proof of validation which is a violation of the FCRA and FDCA. I've also contacted United States Bankruptcy court via certified mail, They responded stating, they do not provide or perform any activities with the credit bureaus. Attached is the letter and certified return receipt
Product: Credit reporting

N/A account # XXXX This is inaccurate report and needs to be removed. I 've had health insurance since 2002. I pay my Co-pays/deductibles before receiving services. If they are owed additionally they did not provide me an original bill and did not provide me an opportunity to pay it however, I do n't believe I owe them anything then. I do n't know who this is or what this bill is for. Please provide proof of what I owed you, what the service provided date, and what the service provided was. This needs to be removed from my report!
Product: Money transfer, virtual currency, or money service

I applied for CA XXXX XXXX XXXXXXXX. Upon applying I signed up for direct deposit to my XXXX XXXX account. Money Network is who the state has contracted to handle those direct deposits. The money was not deposited into my account but to XXXX, specifically someones XXXX ( XXXX XXXX ) account. The amount was {$1800.00} Myself and my XXXX worker tried to recover the funds, they refused. They said the only thing they could do was an internal investigation that would take 45-90 days. They refused to give confirmation that they filed for it to be investigated. They ave me the routing number and account that it went to, which I contacted XXXX, that is how I found out it went to a XXXX account. XXXX stated that was all they could do however. I had to move out of my apartment due to inability to pay because of no income.
Product: Debt collection

Midland credit Management is claiming I have a {$3100.00} credit card debt from XXXX/XXXX. I contacted XXXX on XX/XX/20, they stated I did not have a debt and had no account delinquencies. 

Per the directions on the Midland collection letter, on XX/XX/20, I mailed a request for complete transactional history for the account. 

XXXX XXXX  responded in writing, XX/XX/20 that they sold the account to Midland, no transaction information was included. 

On XX/XX/20 I received a pre-legal notification from Midland. 

I can not get XXXX, XXXX bank or Midland credit management to provide any transaction details to this account. 

I do not believe it is my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting of false information about my payment history to XXXX  and other credit agencies. They report a payment default status starting XX/XX/2018 and XX/XX/2018 this is false. The account has never been paid late. I have contacted this company several times to resolve. They are deliberately damaging my credit rating. Requesting removal of false negative credit reporting to XXXX  and all other credit agencies.

In addition this account is not " Included In a Wage Earner Plan '' chapter XXXX bankruptcy payment plan, this is false reporting.
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. 

Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX  Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you VERIFIED the above, so that I may follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I notified Experian ( hereinafter CRA ) that my identity was stolen and that the account they report as XXXX " XXXX XXXX '' with a partial account number of XXXX was a product of said Identity theft. After numerous disputes relating to the fraud, and thereafter factual errors in the reported information itself that required that this account be deleted. They have flatly refused to remove this account. the account should have been remove for the following reasons : 1. ) At no time did the CRA place a notice that the account was in dispute as required by FCRA, indeed the required notice still dose not appear on my report. 

2. ) The CRA is reporting this account as a " Collection/Chargeoff '' 3. ) While reporting this account is a Collection/Chargeoff they also report a past due amount of {$170.00}, it is not possible to have a past due amount showing in a Collection/Chargeoff account. 
4. ) The CRA is also reporting a balance owed of {$190.00} also impossible if the account is reporting as a Collection/Chargeoff. 

For the above reasons the CRA should have removed this account from my credit report long ago and they just keep reporting the same errors
Product: Credit card

My bank sent a cashiers check for the amount of the account with Comenity bank. This was sent on XX/XX/2024. Comenity bank cashed this check on XX/XX/2024 and is refusing to post the amount to the account. They are charging interest and payments while denying that they have refused payment. All applicable account information that is necessary is on the check but they are insisting they have not received payment even though the bank has proof the funds were transferred.
Product: Debt collection

I requested on several occasions debt validation for this account. What has been sent is not debt validation and unless I can be provided with a legal document that shows where I agreed to pay this amount, as a consumer, I have the right to demand that this be removed from my credit report immediately. 

A billing ledger does not assign a debt to me and the company has neglected to include proof that they have legal authority to collect the alleged debt.
Product: Student loan

I have issues with XXXX XXXX XXXX and the loans that originated with them. The school frequently talked about the fact that they expected accreditation and that our studies would switch over to XXXX XXXX standings. They never did. I also went back to school a second time after earning a diploma taking less classes but was charged what I believe to be inaccurate pricing.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX under the account # XXXX opened on XX/XX/XXXX with a balance owed of {$13000.00} also Waypoint under the account # XXXX opened on XX/XX/XXXX and several Auto inquiries at XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

personal loan interest too high In XX/XX/2019 they sent me a loan offer from the Discover bank company, which I called to ask for information and I saw that it was reliable, I have a year and seven months paying and the loan does not go down. I wrote asking for an evaluation of the loan since I have a good payment history since we are going through a difficult situation and they only replied that they could not lower my rate. 

I would like to review the contract since I do not have a copy of it, to see the clauses of it. because they have not wanted to help me with this situation. 

Discover Bank XXXX