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

I am filing this complaint against XXXX, XXXX, and Equifax for furnishing inaccurate information on my credit reports in violation of 15 U.S.C. 1681s-2. 

XXXX, XXXX, and Equifax are reporting a charged off debt on my credit reports. However, a charge off is defined by the IRS as canceled debt which must be reported as ordinary income on my taxes using Form 1099-C if the canceled debt amount is {$600.00} or more.

Income does not get reported on consumer credit reports. By inaccurately reporting this charged off debt as a current debt rather than as income, XXXX, XXXX, and Equifax are knowingly furnishing incorrect information on my credit reports. This is prohibited under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 

I have notified XXXX, XXXX, and Equifax that they are reporting inaccurate information by disputing this account with them. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), after being notified of inaccurate information, a furnisher may not continue to report that information if it is in fact inaccurate. However, XXXX, XXXX, and Equifax have failed to correct this inaccurate reporting. 

The reporting of this inaccurate information has severely damaged my credit scores, reputation, and ability to obtain credit. XXXX, XXXX, and Equifax have an obligation under the FCRA to report accurate information, and they have failed in this duty. 

I demand that XXXX, XXXX, and Equifax immediately delete this inaccurate charge off from my credit reports. They have 10 calendar days to remove this erroneous account.

The continued inaccurate reporting of this account is a clear violation of XXXX, XXXX, and Equifax 's responsibilities as furnishers of information under 15 U.S.C. 1681s-2.

Their negligence in failing to correct this inaccurate reporting after being notified has caused me and my family significant harm. This complaint serves as a final opportunity for them to cure their noncompliance and delete the inaccurate information. 

I swear under penalty of perjury that the information provided in this complaint is true and accurate to the best of my knowledge.
Product: Credit card

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX just a few days ago, I tried repeatedly to log into my account to make my payment but my username & password are not accepted. Every time I put my username in to login, it is not going through and repeatedly keep asking for my username over & over & over again and never get to log into my account. Prosper credit card gave me no notification that I am to use a different login portal or that it's a new website address or ANYTHING??? I had this similar problem just a few months ago. I do not like paying late. Can someone investigate this matter to find out why this is happening again?
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. 
This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

helvey and Associates {$320.00} is showing on my credit report as a debt i owe from XXXX  XXXX  but it don't match where i live. the XXXX  XXXX where I've been living since a kid is in my mothers name. This account do not belong to me please remove, i need your help Thanks.
Product: Debt collection

Around XXXX XXXX, I discovered that a debt was listed under my name in XXXX XXXX for a debt incurred in XX/XX/XXXX or XX/XX/XXXX by Midwest Recovery Systems. I called my health insurance and we called collection agency and was promised to have the bill sent to me. No bill ever was received. I contact the hospital where debt was incurred and found I have never been treated or responsible for any health care. This is a XXXX fee of a non existence business.
Product: Student loan

The promissory note for my FSA is invalid and expired per the following : 1. Student loan promissory notes Borrowers may sign a promissory note when they take out private or federal student loans. Federal student loan borrowers may sign a Master Promissory Note ( MPN ) that can be applied to multiple loans.

By signing the MPN, a student agrees to repay all loans according to the terms and conditions of the MPN. Federal student loan MPNs are currently valid for up to 10 years. 

My FSA consolidation promissory note was signed in XXXX it is now 5 years passed XXXX which was 10 years. It is now XXXX 15 years passed the date of validity. 

2. Except as provided in subsection ( e ), an action to enforce the obligation of a party to pay a note payable at a definite time must be commenced within six years after the due date or dates stated in the note or, if a due date is accelerated, within six years after the accelerated due date.

3. A promissory note is a written promise to pay within a specific time period. This type of document enforces a borrower 's promise to pay back a lender by a specified period of time, and both parties must sign the document. Only one signature is on my promissory note mine! There is no specified time or repayment on the promissory note!

4. A promissory note is valid for 3 years from the date of its execution. Post this period it will become invalid. Also read : Bill of Exchange. I lived in Virginia at the time of the signing of the promissory note XXXX the time limit in Virginia is 6 years. The note was signed in XXXX it is now 15 years past the signature date for the State of Virginia. 

5. The note must be written by hand. My Student Loan Promissory note is not hand written. The note must be stamped by revenue stamps as per the rules of the Indian Stamp Act. Promissory notes are valid for three years only. There is no limit on the amount to be borrowed for a promissory note to be issued.XXXX  XXXX, XXXX XXXX. All Promissory Notes are valid only for a period of 3 years starting from the date of execution, after which they will be invalid. There is no maximum limit in terms of the amount which can be lent or borrowed. The issuer / lender of the funds is normally the one who will hold the Promissory Note. The Department of Education is the loan holder not XXXX or Nelnet. 

The promissory note for my FSA is invalid and has expired per the above. 

Close my FSAL now!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is re-aging and fraudulently reporting incorrect information on all three of my CBI 's and directly impacting my ability to obtain a mortgage. XXXX is reporting the date first major delinquency reported as XX/XX/XXXX. XXXX is also reporting major delinquency XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. None reported as XX/XX/XXXX. Second, the account is not late 189 days. The account is not in collections. XXXX charged the debt off after they were advised the charges were based upon fraud and forgave the debt. This conduct is retaliation on the part of XXXX.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Back In XXXX I had a XXXX  XXXX  financed through third party Monterey Financial. The amount was around {$3000.00} and I had my {$1000.00} down rolled into the payment. I had lost my job and couldn't pay and the account was supposedly charged off in XXXX. I had not really checked my credit till this year and the balance has got up to {$13000.00}!! I also noticed the put the account from charge off to collection and the account was placed twice on each one of my three credit bureaus. It was listed as collection under Monterey Financial Services then another collection was placed for the same amount but {$1.00} more than the balance under Monterey Collection Services. I have tried to dispute this amount because there is no way I would owe that and the account was charged off and placed twice to damage my credit. Seemed very vindictive. I have wrote to Monterey and have never received any correspondence back! You cant try to collect on the same debit twice and the balance is wrong.
Product: Debt collection

I was served with a summon for credit card debt by Midland Funding LLC. This is the second time that they sue me. The summon was signed by Judge XXXX at XXXX XXXX XXXX County. Case # XXXX. 
The name in the document is right and address are right. I have to say that My information were stolen in 2014. 

There is something scary about how this people operate. The documents envelope was open and the person delivering the summon say that the packet was open. The messenger says that the envelope was sent that way. However, my security camaras caught the person was opening the packet Thats a breach of privacy. 

I want the chargers drop ( again )
Product: Mortgage

The Money XXXX is my mortgage servicer. My bank, XXXX sends the payment every month by check. 

The money XXXX called me asking me to make a payment. Last month the payments was received and processing the same day the money XXXX called me. 

This month, XX/XX/2022, XXXX sent the check on XX/XX/XXXX. It is now the XXXX, and the money XXXX says they do not have it. 

I asked if the rep could see processing payments. He said yes. So I asked why I was called last month. No answer. 

This mortgage servicer can delay mailed payments with impunity and collect late fees. XXXX put a tracer on this month 's payment. 

Respectfully submitted XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX $ Balance {$170.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX  Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX  ( Finance ) XX/XX/XXXXXXXX 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 has violated my rights. 

I looked at my equifax credit report on XX/XX/2024 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 card

I believe the account is invalid. .VW CREDIT INC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.VW CREDIT INC XXXX.
Product: Debt collection

I have a debt that belonged to my Ex Wife that she was able to acquire while I was XXXX. She used my information to acquire a Care Credit acct with a General Power of Attorney and got XXXX. Shorty after returning from combat she divorced me. In our divorce decree she is entitled to pay the Debt. However, After years of it being on my credit report I decided to settle the account with XXXX XXXX. I was promised that they would send me proof that the debt is paid and it has been more than 3 months and I have called XXXX times and they still will not do what they promised. They told my I would receive an email I did n't receive it. I was told I would get a fax, I did n't receive it. It was supposed to have been sent out on XXXX separate occasions, which I never received. They ruthlessly called me at my job and also called my cell phone after asking them not to. I am extremely emotional right now and need help. Please help me get this straight that no one else has to be put through this. All I want is to not have to think about the fact that I had to pay a debt for my ex wife to be able to feel better about her self. My life however has been torn apart for 6 years. I want my life back. I want this to stop. XXXX had no issue taking the XXXX dollars out of my account but refuse to report the proper information to the credit agencies. Please help me. 

XXXX XXXX XXXX XXXX XXXX ) XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 
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 XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Did not consent to authorize nor benefit from any of the following inquiries. Block and remove them. 1. XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX. XXXX. XXXX XX/XX/XXXX I did not consent to authorize nor benefit from the following account Capital One Bank Account Number : XXXX
Product: Credit card

On XXXX XXXX, 2015, I contacted American Express regarding an interest charge assessed on XXXX XXXX, 2015 in the amount of {$260.00}. I requested a waiver and the customer service representative told me explicitly that the charge would be waived and would appear on my account within a few days. Despite this assurance, the credit has never been applied. I have called back several times and been unable to get resolution of this issue. 

On the same call, I asked the representative about a discrepancy between my statement balance and current balance to determine what amount I needed to pay to make an on-time full payment ( due that day ). For an unknown reason, my statement balance was approximately {$8000.00}, but my current balance was listed as approximately {$2000.00}. The online system would not allow me to pay the larger statement balance, and the representative told me that I should pay the current balance and no late charge would be assessed. I did this, and despite this assurance, American Express charged an interest payment of {$190.00} on XXXX XXXX, 2015. 

Since then, I have contacted American Express on several occasions to understand the discrepancy in balances and to ask for waiver of the XXXX interest charges. Despite lengthy waits and multiple conversations, I have never received any resolution. On multiple occasions I have been told that I would receive call backs that never occurred. 

I am concerned that American Express has ( 1 ) refused to honor a prior commitment to waive an interest payment, ( 2 ) applied an interest payment after I inquired about a discrepancy and was provided instruction about making payment to avoid an interest payment, and ( 3 ) has been unable to explain the discrepancy between the statement balance and current balance. As a consumer, I should have the right to rely on promises made by American Express and to obtain an explanation of unexplained issues relating to my account.
Product: Checking or savings account

From XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have been making unauthorized debts from my checking account every month totaling what I believe to be a total of {$930.00}. I contacted both companies XXXXXXXX XXXX and XXXX XXXX about the charges and they confirmed my verbal cancellation and my absence from the institution, they stated that a written confirmation was needed, which was not stated to me as I left the gym XX/XX/XXXX with the previous managers made aware of my cancellation. I contacted my banking institution Navy Federal Credit Union and they found the transactions and updated my bank account and billing information with the company without authorization. This was due to a previous incident with my identity being stolen and being issued several bank cards along with a new bank account number. Currently they are stating Regulation E which provides regulation of bank transfers. This however is not enough due to this account being updated by my bank Navy Federal Credit Union. My next step is to make a lawsuit involving all three parties Navy Federal Credit Union, XXXX XXXX, XXXX XXXX.
Product: Vehicle loan or lease

My car was totaled in an accident. The insurance company handling paying off the car after the accident, called Santander Consumer USA on XX/XX/ and was told by Santander that they would not give them the Ten Day Payoff Request. Santander told them that I, account holder with them, would need to call Santander and have them send the Ten Day Payoff Request to me and then I would have to forward that to the insurance company. When I called Santander ( on XX/XX/ ), they told me that they could not send me the Ten Day Payoff Request and that the insurance company would need to contact Santander about getting it. I explained to Santander that they had told the insurance company that I would have to call and they said that was wrong. Santander said the insurance company handling the payoff would need to contact Santander and file a claim with Santander on the car and that the insurance company would need to provide a copy of the police report, the evaluation done on the car, and the settlement amount before Santander would send them the Ten Day Payoff Request. I was also told by Santander that I should continue making car payments as once the Ten Day Payoff Request was submitted to them it might take a while ( no time frame was given ) to process the request and payoff. No timeframe was given on how long Santander would take to process the payoff but the representative made it sound like I would need to make more than one payment between now and when the request/payoff was processed. They told me I would be reimbursed for any payments. I provided this information to the insurance company. The insurance company called again to try and speak with a supervisor. I do not know what date they called the second time but was told they are still having issues with Santander providing the Ten Day Payoff Request.