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

EXPERIAN CREDIT REPORT IS REPORTING THAT MY " XXXX XXXX XXXX XXXX XXXX' HAS A LATE PAYMENT. THIS IS INCORRECT " I WAS NEVER LATE. 

THE REPORT SHOWS : XX/XX/year> AS LATE AMOUNY : {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$360.00} XXXX XXXX {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX . 
XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX . 
XXXX XXXX XXXX  XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX
Product: Credit card

I purchased an iPhone on XXXX for {$700.00} on XX/XX/2023. The phone was advertised as fully unlocked in multiple places, but when I received it, I was surprised to find that it was in fact carrier locked and Id be unable to use it. I contacted the seller ( XXXX XXXX XXXX ) and XXXX. Both refused to help me. 

Then I disputed the charge on my Apple Card and I was given a provisional adjustment on XX/XX/2023 for {$700.00}. Then on XX/XX/2023, they took the credit back and recharged me. They sent a confirmation email that this was occurring, but it went to my junk folder. 

A month later, I realized I was charged and I disputed the charge again. I provided even more evidence that the phone was indeed locked and worthless. I made it very clear that I shouldnt have been charged and even XXXX said to take it up with my credit card company. I was given another provisional adjustment on XX/XX/2023. And again on XX/XX/2023 they took the credit back with no explanation. 

At that point, I gave up and decided it was a lesson learned. I regularly spend {$3000.00} per month with this card and I had had no problems with it until this point. This was my first real dispute and they utterly failed me. The sad part was they could have texted me updates instead of sneaking them into my junk email folder from an email address that was never used earlier. Also, they never described any effort made. It was always just a blank chargeback and I got the impression they did nothing. 

Sorry this complaint is so late. I didn't know the CFPB existed until I read about your successfully suing Apple and Goldman Sachs for this fraud they are perpetuating. Ive been a loyal Apple user for years and this lack of professionalism was quite surprising.
Product: Credit card or prepaid card

I was charged a late fee for a late payment. I contacted the bank and they refused. I was unable to make the payment on time on the day of because my account was locked out and their Customer Service number does not work in the evening. I was traveling overseas and somehow my IP was cached as being a risk. I was back in the US and called Customer service for my checking account ( the app is linked ) as they are also my bank. They tried to trouble shoot and could not resolve and was advised a case was created and it would be solved. To date, it has not been. I am sure I can pull the phone records of when I made these calls. 

To be charged a late fee when I have funds at the same bank and the reason beyond my control is ridiculous.
Product: Checking or savings account

I previously filed a dispute and I think that there is a lot of confusion going on with it. The last time that I used my debit card was at XXXX. Any charges after that are unauthorized. My card was lost and I reported it as soon as I found out. Please help me get this situation under control. I do not wish to escalate it any further, only to finish school shopping. Thanks
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. XXXX enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX/XXXX XXXX {$450.00} XXXX XXXX XXXX  XXXX {$9100.00} XXXX XXXX   XXXX/ XXXX {$9500.00} XXXX XXXX XXXX {$3500.00}
Product: Debt collection

There is an account on my credit report that is fraudulent. I have never had an account with XXXX XXXX. This account is a result of fraud and identity theft.
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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 XXXX  still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion, block information on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent and inaccurate information consists of the following accounts : XXXX XXXX XXXX Account Type : Personal Credit Card Account Number : XXXX Date Opened : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Auto Loan Account Number : XXXX Date Opened : XX/XX/year> XXXX XXXXXXXX XXXX XXXXXXXX Account Type : Personal Credit Card Account Number : XXXX Date Opened : XX/XX/year> These accounts have resulted in multiple fraudulent hard inquiries and collections appearing on my XXXX credit report. I have attached a list of the fraudulent hard inquiries as well as a copy of my consumer XXXX credit report, which highlights the aforementioned fraudulent items. 

I do not recognize these accounts, collections, or hard inquiries, and I did not authorize their opening. All of these entries are a direct result of identity theft and fraud. Additionally, I have attached a copy of my FTC identity theft complaint ( # XXXX ) from the U.S. Federal Trade Commission, which serves as proof that these accounts and inquiries are fraudulent. 

Thank you for your prompt attention to this matter.
Product: Debt collection

They keep calling everyone in my family 's cell phones my house phone 12 times a day plus. claiming there is a warrant for my arrest in XXXX XXXX Delaware a state I have not lived in for 2 years. They keep harassing my family and their cellphones. They say they are process servers but they are not.
Product: Debt collection

I thought I paid it off. Last bill said I owe {$3.00} and I sent the check. Im going through a bad divorce settlement. I have been making payment. I didnt think I owe anymore. Amount I owe is {$60.00} from the XXXX.
Product: Debt collection

I spoke with a representive from one road lending who tinted my windows for about {$400.00} dollars and made me apply for a loan for {$2000.00}. 

I was let on payments and they sent my account to XXXX XXXX  who is charging $ XXXX plus for debt collection. 

XXXX ( XXXX XXXX XXXX One road lending XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you of the inaccurate information that Experian has been reporting on my credit report Upon reviewing my credit report, I discovered that Experian is reporting erroneous information that has severely damaged my credibility and caused significant financial and emotional distress. This inaccurate reporting is in direct violation of the regulations set forth in the 15 U.S. Code 1681s2, which prohibits the furnishing of inaccurate information to consumer reporting agencies. 

Specifically, Experian has reported a debt as part of my credit history, which is entirely inaccurate. According to the guidelines of the Internal Revenue Service ( IRS ), canceled debts should be reported as gross income on tax returns, not as debts on consumer reports. Thus, the reporting of this account as a debt is not only incorrect but also contradicts the established regulations. 

The IRS clearly defines a charge off as gross or ordinary income, which should not be reported on the consumer report. Therefore, the reporting of this account as a debt is unequivocally inaccurate. 

Furthermore, I have not received a Form 1099-C from any data furnisher, despite the fact that it is required if the canceled debt exceeds {$600.00}, as stated in the IRS guidelines XXXX This form is crucial for accurately reporting taxable income, and its absence further corroborates the inaccuracies present in Experian 's reporting. 

This incident has deeply disturbed me, as it has had a profound impact on my financial well-being. I am taking proactive steps to rectify this situation and ensure that my credit report reflects accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My loan servicer Ocwen transferred my account and did n't notify me until XX/XX/XXXX when I placed a call to them inquiring about the XXXX draw on my account from insurance proceeds. Ocwen then informed me my account had been transferred to XXXX XXXX XXXX XXXX ( XXXX ). I was not notified nor was I provided reference number to inquire of the new servicer - XXXX. XXXX states they cant find me by name, property address nor SSN in their system and cant assist me with locating the account or the status of the XXXX draw to complete the work on my property that burned on XX/XX/XXXX. The insurance proceeds and requested claim forms was sent by me to Ocwen Loan servicing LLC on XX/XX/XXXX Priority Mail. Ocwen sent me a draw on the funds - approximately XXXX on XX/XX/XXXX. Work was started on the property XX/XX/XXXX. I notified Ocwen on XX/XX/XXXX that the property was approx 42 % complete and requested another draw. Ocwen responded by sending out an inspector on XX/XX/XXXX who took pictures and stated I could expect a check in 5-10 business days. I called Ocwen on XXXX and was told the account had been sold on XX/XX/XXXX and the remaining insurance funds have been transferred to XXXX. I asked Ocwen Claim Rep and customer service what sense did it make to transfer the account, not notify me but continue conversation about the draw even as late as XXXX - especially since they say a letter was sent on XX/XX/XXXX notifying me of the transfer. During this process on XX/XX/XXXX, I was transferred 6 times put on music hold by XXXX claims reps and XXXX customer NO service persons, told they didnt have the funds and didnt have an account number for me to reference and that I should contact new servicer. Finally after asking customer NO service for new servicer contact number after my 6th hold experience I was given a number for the new servicer. On XX/XX/XXXX CLAR customer no service states no record of the account could be found. On XX/XX/XXXX XXXX customer service and claims dept says no record can be found. The XXXX customer service rep did give me a number for the claims dept. In my multiple calls with both Ocwen and XXXX I have communicated that I have contractors onsite and they need to be paid. No one knows where my account is at this point - nor the funds from the insurance claims. I need the funds to complete the renovations and put property back in a repaired state. I do not want the property just sitting half finished and invite vandalism since the property can not be occupied in its current state.
Product: Checking or savings account

The attachment outlines my complaint. 

Social Finance , Inc . 

There are people who constantly spread unproven accusations ; lies and rumors about me as Sofi are allowing them ; as they falsely justify having financial companies take things that belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report I noticed a couple of discrepancies. Subsequently, I reached out to XXXX and inquired about the status of my loan during the time that the delinquencies were reported XXXX XXXX XXXX & XXXX XXXX ). Their correspondence to me confirmed my initial thoughts which were that my account was in forbearance beginning in XXXX of that year until XXXX of the same year, 2018. After receiving their correspondence I wrote to have the two delinquencies retracted from my credit history. Their response was that they would not remove the inaccuracies because the delinquencies occurred before the forbearance start date. However, as indicated in their previous correspondence my forbearance spanned from XXXX till XXXX and the inaccurate reporting occurred in XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I have two XXXX XXXX accounts that have not shown on my credit report and it affecting my credit rating. XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have reached out to XXXX XXXX and was told they are reporting on the XXXX of each month yet I do not see the entry of any of my reports.
Product: Checking or savings account

Was charged overdraft fees even when I had money in the account
Product: Credit reporting or other personal consumer reports

I have sent at least two requests to Experian to delete all of my old addresses because I ma no longer associated with those, XXXX has already deleted those addresses and I am not sure what the problem is with Experian.
Product: Credit card or prepaid card

A supposedly deactivated Bank of America credit card with a closed account number used to make purchases on XXXX several months after the account was closed. 

On XX/XX/2022 I lost my Bank of America Credit Card. On XX/XX/XXXX a Bank of America fraudulent charge alert notified me that someone had made purchases with that credit card through XXXX and XXXX. I immediately called Bank of America to report the fraudulent charges and close that account. Bank of America said they deactivated that card as of XX/XX/XXXX or XX/XX/XXXX. 

On XX/XX/2022, I found charges to my new Bank of America account from XXXX, despite not having used my new Bank of America card since the end of XXXX ( when I found the fraudulent charges ). I called XXXX to report the Fraudulent activity and confirmed that last four digits of the card used to make the purchases and the last four digits of the card canceled in XXXX. This time I had not been alerted at all by Bank of America. The supposedly deactivated credit card had been used to make purchases on XXXX and the charges were coming to my account. It is also evident that no identity validation or security checks had been done to ensure that the transactions being made with that card were initiated by the actual owner of that credit card.
Product: Debt collection

On XX/XX/XXXX I filed a complaint with the CFPB against Midland Funding. In retaliation, Midland Funding called my employer requesting verification of my employment by my social security number. I filed a second complaint and I was contacted by XXXX XXXX XXXX who advised that the debt that they attempted to collect was not legal as they had this debt in their office since XXXX and did not make any attempt to collect then, and the agent who advised of the debt had misinformed me. I was assured that no effort to collect this debt would be made as the statute of limitation had passed. I have since received notification that a collection of {$310.00} by Midland Funding has been reported on my XXXX Credit file by Midland Funding. Upon checking the account and the date opened on my credit profile it is apparent that this debt was settled and Midland Funding is attempting to collect this debt once more.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITORS BUREAU ASSOCIA Reported : XXXX XXXX, 2021 {$860.00} There are no contracts, no valid claims ... account was settled original with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation