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

Creditor reports account was charged off but never sent a 1099-C cancellation of debt form. This account is inaccurate and needs to be removed. 
I do not recognize how this account is reporting on my credit report. I don't the account number, I don't recognize the account status and I don't recognize the account high balance nor do i recognize the late payments associated with it everything reported does not meet the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Frauding scams IDs frauding my documents and medical record of birth certificate long form of XXXX  XXXX and doctor XXXX Frauding scams IDs and accounts frauding my XXXX country Indiana using XXXX Frauding scams IDs and business using my grandma documents of XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX Indiana Frauding scams frauding my XXXX Frauding scams frauding XXXX and XXXX Indiana using XXXX IDs and XXXX IDs Frauding scams using XXXX  Frauding scams using school permit and teaching staff and books and books authors and school sports Frauding scams IDs using racing teams and XXXX XXXX and XXXX and XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. XXXX XXXX CO The creditor replied they would remove the disputed item but the bureau is still reporting the information.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, XXXX XXXX  issued me a Form 1099-C, signifying the cancellation of debt for my credit card account. The account was opened on XX/XX/XXXX, and closed and charged off in XX/XX/XXXX. The first charge-off was reported in XX/XX/XXXX, with a balance of {$890.00}. The most recent charge-off update was reported in XX/XX/XXXX with Equifax and XXXX. I filed a dispute with Equifax on XX/XX/XXXX, and received their dispute results on XX/XX/XXXX. XXXX has deleted this account from my credit report as of XX/XX/XXXX, following my dispute. However, Equifax and XXXX continue to report the account as charged off and update this status monthly, even though the debt was canceled and reported to the IRS as such. This inconsistent reporting violates the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to consumer reporting agencies must be accurate, complete, and up-to-date. 

FCRA 623 ( 15 U.S.C. 1681s-2 ) requires furnishers of information, such as XXXX XXXX  XXXX to not report inaccurate or incomplete information to credit reporting agencies. Reporting the account as " charged off '' monthly after issuing a Form 1099-C indicates inaccurate and incomplete reporting. FCRA 611 ( 15 U.S.C. 1681i ) mandates that credit reporting agencies ( Equifax and XXXX ) conduct a reasonable investigation of disputed information. My disputes have not been properly investigated, as evidenced by the inconsistent resolution compared to XXXX. FCRA 605 ( 15 U.S.C. 1681c ) states that negative information such as charge-offs must not be re-aged or reported in a way that extends its impact beyond permissible limits. By updating the charge-off monthly, Equifax and XXXX appear to be unfairly prolonging the accounts negative effect on my credit score. FCRA 602 ( a ) ( 15 U.S.C. 1681 ( a ) ) emphasizes the importance of accurate reporting to ensure fair credit assessments. The failure to align reporting practices across bureaus and the contradiction with the 1099-C issued by XXXX XXXX  undermine this principle.
Product: Debt collection

A company called Sequium asset solutionsXXXX XXXX XXXX, XXXX GA XXXX is acting as collections for XXXX XXXX XXXX phone. 
Both XXXX XXXX XXXX and this company mistakenly tried to bill me for this debt. 
I submitted to both companies copies of all canceled payment checks and proof of invalid charges. 

I have tried to clear this matter up by communicating with this company for over a year! 

This company has yet to provide me with any form of documentation what so ever and they refuse to communicate with me even though I submitted payment proof via certified mail. ( Actually the issue was that XXXX XXXX XXXX continued to bill me after service had been canceled so there was truely never a debt that I paid but a billing issue that was late in being corrected ) They act as though because they send me a bill that makes it valid. 
I am sick of the abuse and I have requested on 3 separate occasions that they remove this inaccurate information from my credit report but like i previously stated, they are silent in and response. 
See credit report record # XXXX Their listed phone # 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # IQDOSTXXXXXXXXXXX, 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 ( XXXX ) 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 or other personal consumer reports

EXPERIAN HAS ACCOUNTS ON MY CREDIT REPORT THATS NOT MINE AND THEY REFUSE TO DELETE.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfillits legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation 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 systemic 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 removeddisputed 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person ; I am a living human being I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below to be removed because, according to 15 USC 1681 : I have the rights to privacy and I did not give Equifax written permission to furnish these accounts.
Product: Payday loan, title loan, personal loan, or advance loan

My girlfriend attempted to get a loan through One main Financial company. She was asked to use a vehicle that we were joint owners on as collateral. They knew the automobile was owned by XXXX parties and only XXXX party signed giving permission to put a lien on the vehicle. I reached out to them and asked them how they were able to get a lien on my car without my permission. They have not responded with any way to fix this.They have not released the lien on my car. By law they have to have both owners permission and signature to put a lien on my vehicle for any type of loan. The manager of the business said she made a mistake used the wrong XXXX when they agreed to do the loan for my girlfriend. When they figured that out they did not contact myself or my girlfriend at any point. Per the manager the loan should have never been approved without my signature, because the car was necessary for the loan approval. It is my belief that this lien was fraudulently put on my car because my permission was never given. They refused to communicate with me in any way about this matter. I've tried to file complaints with the attorney general 's office, the better Business bureau. I've even spoken with an attorney and they told me to go this avenue first. I'm not sure what to do next. I have been am in need of help and also I believe I'm not the only person that they are doing this to. This is bad business practices. This is not a small business and they are known for helping those that have less than perfect credit and taking cars is collateral. People go into this business with hope to help them and putting trust in them that they are working in their best interest! I have heard of other things this business has done in the past in dealing with this experience with them. I hope others speak out that this may have happened to.
Product: Debt collection

XXXX XXXX XXXX has called my friends and shared information about my car loan with a friend that was used as a reference on my car loan. They have left messages with this friend to have me contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My previous complaint with Portfolio Recovery Associates, LLC, complaint # XXXX is still showing up on my credit report as a NEGATIVE account. One has been corrected, but there are still accounts from this complaint that have not been corrected. This is reflecting negatively on my credit report.
Product: Debt collection

LVNV I am disputing this alleged account and request a complete copy of a alleged contract with my wet ink signature and how you could of came to this amount that you are reporting on my credit report
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry : XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OH XXXX XXXX XXXX SS XXXX I have some inaccurate names and addresses on my credit report that I need remove they are not accurate. My full name and only name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX  XXXX XXXX OH, XXXX. Please delete any other variation of my name and address that is different from the above. 
Please delete the following names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
Please delete the following addresses : XXXX XXXX XXXX  XXXX, OH XXXX, XXXX 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 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
Product: Credit card or prepaid card

In XXXX I opened an account with Capital One and initially was approved. The company claimed during the pandemic that I was 60-120 days behind. Payments were scheduled via my personal checking on time but would be returned due to a lack of funds. I found out that the company had attempted withdrawls 10 to 20 days after the authorized payment date but yet it says that payments are only supposed to take 3 to 5 days. When I called the company on it I instantly heard how I could use my card for " quick payment '' but yet nowhere on their website does it say that. 

During the follow up I agreed to and paid the amount needed to get it caught up. I was told that if I made 3 consecutive payments my card would be reinstated. Capital One was also made aware of the affect the pandemic was having on my earnings. Despite that I made the catch up payment, a regular payment an additional payment after scheduled regular payment was made and paid the remainder of the balance. Capital One not only made a harassing phone call after the balance was paid claiming I had a late payment which was found not to be the case but they have refused to reinstate my card stating that I was 60 to 120 days behind yet only one of the payments was 2 days late. Capital One was asked by me to close my account since they have refused to reinstate it.

Capital One has fraudulently kept the account open on restriction and continues to report incorrect information to the credit bureaus. They continue to send pre approved offers to me and have recently denied my application for either their XXXX XXXX  or the rewards card if not approved for the latter. Their reasoning was based on the fraudulent misinformation they continue to report while continuing to fraudulently keep open an account I can not use and should be able to use. 

Overall Capital One needs to be investigated for their fraudulent practices as well as to why there was no mention that a debit card could be used to make payments online.
Product: Debt collection

My son was a resident at XXXX XXXX for XXXX years. On XX/XX/2023, when the lease agreement ended, he vacated the unit that same date after having living in a building that had a flooding and the repairs took XXXX  months. My son returned the key at XXXX XXXX, as he thought that the deadline was XXXX XXXX. The management of the building, sent me an email asking us to pay an extra {$180.00} for a delay of XXXX hours as the deadline to render the key was at XXXX XXXX, I contacted XXXX XXXX XXXX who was fully aware that my son has a XXXX and confirmed that after XXXX years living at the property of which XXXX  months were in a poor and noisy environment during the repairs of the flood, we never complained even though the adverse conditions affected my son 's health. This was her response : " You are correct in stating that the rent amount is incorrect as we prorated the RENT charge to be accommodating as RENT for the rooms is actually {$870.00} + XXXX  % of this would be an additional {$210.00}. Rent in our lease is determined as a whole amount and not a prorated amount. We did provide the accommodation of taking into consideration XXXX turned in keys at XXXX which was XXXX hours after the designated move out time of XXXX which was calculated at a XXXX proration of XXXX hours in XXXX day ''. Even though the residents of building XXXX had to live in with so serious and extended inconveniences, I decided to pay this outrageous abuse and divided the extra {$210.00} by XXXX hours and the delay of XXXX hours, because from XXXX AM until XXXX XXXX  lapsed XXXX hours not XXXX and paid the correct amount which is {$27.00}. However, XXXX management, demanded payment for a fabricated $ XXXX XXXX XXXX XXXX XXXX and sent the inexistent debt to a collection agency, when I had already paid the delayed extra XXXX hours
Product: Credit reporting or other personal consumer reports

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX
Product: Mortgage

my homeowner 's insurance has been lowered to {$1100.00} for the next 12 months and nationstar needs to reflect these New changes in my escrow and monthly mortgage payments ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked and puzzled that when I reviewed my credit report today and found late payment on XX/XX/XXXX for 30 days. How? I am not sure how this happened, and I believe this is an internal error with Santander and Credit reporting agencies. First of all, I'm not liable for this mortgage loan account because that was for my ex-husband and I haven't paid on that account for like 3-4 years. That account belongs to my ex-husband XXXX XXXX. And actually he refinanced the loan on XX/XX/XXXX and paid off the entire loan and my name was legally removed. Please delete this immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

a bank teller call me a XXXX threw my ID at me and made fraudulent claims on my account there was a check deposited by me on Tuesday that had a 2-day hold she added a 7-Day hold to that check and now I have no access to my money she misrepresented herself as a bank branch manager and she is not he is on vacation I need my and she threatened to close my account she reported fraudulently to the suspected fraud which is how she got my account put on hold once my account is reviewed it will show that I don't have one returned check I was treated worse than the dogs this afternoon and I want Justice immediately and I need help with my account immediately
Product: Credit reporting or other personal consumer reports

This is my Follow up complaints in my request dated XXXX XXXX that I have tried to resolve the issue regarding the account in my credit report. However until now I do not received any responses about my complaints. The account is listed below : XXXX XXXX XXXX : {$82000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the inaccurate information that continues to be reported on my credit report. Despite multiple attempts to dispute this information and provide evidence to support my claims, XXXX, TransUnion XXXX XXXX has continued to failed to conduct a proper investigation and update my credit report with accurate information, as required by law. 

I am specifically referring to the XXXX XXXXXXXX XXXX Acct # XXXX which has been incorrectly reported on my credit report. Despite providing evidence that this account is inaccurate and inconsistent, it continues to be reported on my credit report, negatively impacting my credit score and livelihood. This account is reporting different last date active, different last payment payment dates, and all have different payment history reporting when theyre all supposed to be reporting the same information accurately Furthermore, I believe that XXXX XXXX TransUnion & XXXX has violated the 15 USC 1681i law on numerous occasions by failing to conduct a proper investigation into my disputes and continuing to report inaccurate information on my credit report. This is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but it has also caused significant harm to my mental state and livelihood. 

I demand these organizations delete this inaccurate account as required by law for reporting inaccurate and incorrect information. I also demand that these organizations compensate me for any damages caused by their failure to comply with the FCRA and other relevant laws. 

If I do not receive a satisfactory response to my dispute within 30 days, I will be forced to pursue legal action against your organization for violating my rights under the FCRA and other applicable laws. 


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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 XXXXXX/XX/XXXX
Product: Mortgage

Dear CFPB, Loan Number Amerisave : XXXX This is regard the loan above with Amerisave. Amerisave already transferred the loan to XXXX with new loan number : XXXX on XX/XX/2023. However, when they transfer the loan to XXXX they put in a {$840.00} unpaid balance for escrow ( insurance ). They claimed that I did not have home insurance so they purchased that on my behalf. However, I always have insurance since the beginning of the loan to now. There is no gap in between. I and my insurance company always send them new declaration page of the policy at the beginning of every year. Now that Amerisave is closed, I can't call them or do anything to get my money back. I'm writing this letter to seek help from the CFPB to help me get my money back. 

Thank you.