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

XXXX overcharged me interest on a credit card between XXXX. When I couldn't pay the monthly amount, the account was charged-off. They later sent me a letter explaining their mistake ( attached ). However, the charge-off remains on my credit report and is adversely affecting my credit and employment prospects. I feel as though the charge-off should be removed. When I contacted XXXX, however, they said they " don't remove negative information. ''
Product: Credit card

On XX/XX/year> I purchased tires at Discount Tire. I was told to receive the rebate for my set that I would have to create a profile on Discount Tire and purchase them that way. The tire employee asked if he could see my phone during the process so that he could get the confirmation number. A dialog box asking about applying for a Discount Tire card, with my information, name, address, and phone number came up. I did not want to apply for a card so I closed out of the dialog box. The tire employee finished getting the confirmation number on my phone and handed phone back to me. I was shocked to receive a letter about being denied for a line of credit when I never applied. I want to lodge a complaint against Synchrony Bank.
Product: Mortgage

insurance co. sent additional bill. I called mortgage co. And told them not to pay from my escrow account because I had already paid it. After 1 hour and a half on the phone explaining it, they paid it out of my escrow any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of Identity Theft through XXXX Data breach. Want Fraudulent inquiries removed from credit report. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

the following accounts were open fraudulently while i was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I WAS XXXX FOR THE LAST 17years in the XXXX XXXX XXXX THERE WAS NO WAY I CAN IOPEN ACCOUNTS WHILE IN XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Bank account or service

I recently found out that regions bank place an overdraft fees of {$110.00} on XXXX, I called them today to send me my last statement as I never wrote a check or cause any overdraft fee, I closed my account with this bank, but instead of them closing my account they kept it open and then charged me two overdraft fees because I did not have the amount to maintain this account, and to know this is a wicked bank, I was never aware of this until last week when I went to open an account I found out that region falsely my account and place {$110.00} overdraft on my account, not {$1000.00}, not {$5000.00} but a fees that they imposed on me after I requested them to close my account
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent Transunion a dispute letter containing specific information regarding the inaccurate reporting on my consumer report. Instead of completing an investigation in accordance with 15 U.S.C. 1681i ( a ), Transunion replied to my dispute with file # XXXX refusing to honor my request suggesting my dispute came from a third party despite the dispute included a copy of my driver 's license and social secuirty card. However the Credit Repair Organization acts allows consumers to utilize a credit repair service it they choose and Transunion is obligated under the FCRA to inititate an investigation. Transunion has willfully and negligently failed to honor my request and should be held liable.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XXXXXXXX  I wrote to the credit agencies requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit card or prepaid card

I was charged a cash advance fee and I asked for a refund because merchant never stated that I'd be charged a cash advance fee. I would like a refund on this cash advance fee or I will no longer make a payment to Capital One. I tried to solve this issue with a representative and manager but they were unable to resolve this issue. Because you wasted my time and caused stress, I also want interest charges to be waived. If you do not waive these charges, I will no longer make any further payment to Capital One.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the misuse and mishandling of my credit information, which has resulted in a significant and unjustified drop of XXXX points in my credit score. Upon reviewing my credit report, I have identified inaccurate information that I did not authorize, as well as indications that my personal data may have been shared with an unknown third party without my consent. 
This constitutes a clear breach of contract and failure on Equifaxs part to maintain the accuracy, security, and integrity of my credit file. As a consumer, I rely on Equifax to handle my credit information responsibly, and this failure has caused substantial harm to my financial standing.

Should this issue remain unresolved, I will explore further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies.

I appreciate your immediate attention to this matter. You may contact me at XXXX or XXXX should you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction with the ongoing presence of a fraudulent account on my credit report. Upon reviewing my credit report, I discovered account that do not belong to me. Therefore, I request the removal of this account from my credit report. I request that you conduct a investigation into this account and promptly remove it from my credit report. Please inform me if you require any additional information or documentation from me to facilitate this process. 

XXXX XXXX XXXX XXXX.
Product: Credit card

I was on a princess cruise in our room was a credit card brochure advertising 12 months interest free credit for onboard purchase and future cruise deposit. We applied onboard with cruise specialist who talked us into a future cruise deposit took our deposit and application. When we got home we started getting interest charges from the Barclay card who said the promotion was no longer valid when we opened the account even although it was sold to us under the understanding that the brochure was valid. XXXX says they will inform their staff that it is no longer valid. Barclaycard says too bad. Talk to XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I went to cash my paycheck at Mechanics Bank in the amount of {$2600.00}. Since I was using my second form of ID that still has my concealed to carry. The bank manager a dark skin man lied said that he is keeping my check. That is fraudulent had verified that my check was good before the this weekend. A conceal to carry license does not call the police as there for meaning you are registered with them. My paycheck has keep without cashing the check as it is the issuing bank on the check. 
Issuing bank and location where I cashed I tried to cash my check. 

Name on check my business name XXXX XXXX XXXX XXXX ID XXXX XXXX Mechanics Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  XXXX, is in violation of multiple laws set forth by Congress in regard to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charged-off status ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. 

Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX  XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, Equifax ) if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX  XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! 

I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charged off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX  XXXX for the canceled debt of {$9800.00} to file as ordinary income. 

XXXX XXXX is clearly writing off debts with the IRS without sending out 1099-C as required by the IRS for debts greater than { { { {$600.00} } } }. This is unsatisfactory! 

XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. 

The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. 

I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer, I am now revoking any and all authorization I, the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer, may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. 

I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted proof from my bank showing that I was never late/delinquent on my XXXX XXXX Auto account. I will attach my bank statement from XXXX XXXX XXXX here. I am asking for all of the late payments to be removed. Or for the entire account be removed from my credit file.
Product: Debt collection

I have written previously about another debt collector ( XXXX XXXX XXXX ). They removed the collection from my credit report and then sold it to another collector that tried to collect via text message. I never responded texts on XXXX or XXXX. They either operate under multiple names, or sold the debt to Credence Resource Management. During this same time frame, I noticed a pair of Michigan phone numbers that kept calling me incessantly. They never left any messages so on XXXX, I finally answered the phone because I was tired of seeing these Michigan numbers come up on my phone. When I answered the phone, the guy on the other end immediately asked me if I lived at a prior address. I then asked who was calling because he failed to identify himself before jumping down my throat. Then he proceeds to badger me about the debt that I owed and asked me why I thought my debt was being sold from one collection agency to the next. This turned into an all out argument and I told them to mail me a bill to my current address because obviously, they had the wrong address. Also, since I only spoke to them one time via phone, after their incessant phone calls, I did not even have 30 days to dispute the validity of the debt. They were so upset with me that they put this debt on my XXXX credit report on XXXX. I disputed this with XXXX on XXXX at XXXX. Credence sent me a bill via email on XXXX at XXXX. The original dispute with XXXX was closed on XXXX without them removing this from my credit report so I re-opened the dispute and sent them signed leases during the time of this bill which I do not owe. I am still awaiting the results from this dispute. In the meantime, on XXXX, Credence reported this debt to XXXX XXXX so now I am disputing this with XXXX XXXX as well. The actions of this collection agency are not only retaliatory in nature, but extremely unprofessional especially considering they still have not sent me a bill to my current address. I have not clicked on the attached " XXXX '' they sent via email after my first dispute because they have been dishonest from the very beginning by calling from numbers that can not be traced back to Credence, and lying about the rules for XXXX XXXX XXXX. If XXXX XXXX XXXX disclosed all communication I had with them from that time, everyone would know that this is not my debt.
Product: Checking or savings account

someone stole my wallet and charged my chime checking account XXXX XXXX filed a police report and desputed the transaction 5 times and got denied all 5 times.i also provided chime with the police report via email and posting it on my chime account. i also inform chime dispute department that i didnt authorize the charged.
Product: Debt collection

Subject : Dispute of Inaccurate Credit Report Information dear cfpb I am writing to formally dispute the inaccurate information on my credit report. Specifically, I am referring to a charge-off reported by MCA, which is over XXXX XXXX XXXX. This charge-off is significantly impacting my credit score and hindering my ability to secure housing. 

According to the Fair Credit Reporting Act ( FCRA ), negative information such as charge-offs should not be reported on a consumers credit report after 7 years from the date of first delinquency ( FCRA 605 ( a ) and ( b ) ) 1. The inclusion of this outdated charge-off is a violation of my rights under the FCRA. 

Furthermore, as a resident of XXXX XXXX, Washington, I am protected under the Washington Law Against Discrimination ( WLAD ) and the Fair Housing Act ( FHA ). These laws prohibit discrimination in housing based on disability and ensure that individuals with disabilities have equal access to housing opportunities23. The erroneous entry of this outdated charge-off on my credit report is hindering my fair chances of securing housing, which is a violation of these protections. 

This erroneous entry has detrimentally affected my credit score, dragging it below XXXX, and is severely limiting my opportunities to secure housing. As I am on a fixed income, receiving only XXXX, my ability to pay for housing is already constrained. The presence of this outdated charge-off further exacerbates my situation, making it nearly impossible to find fair housing. 

I kindly request that cfpb investigate this matter and remove the inaccurate charge-off from my credit report immediately. I do not remember owning any money to sound credit union and i was never contacted until recently by XXXX XXXX XXXX for owing any money until XXXX collection agency contacted me.below i have copy and pasted part of my credit report highlighting the disputed item, as well as a cease and desist request letter for XXXX as i felt their collection tactics were unethical and innapropriate. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, XXXX XXXX XXXX  Your information may have changed since XX/XX/XXXX Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Deposit Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$250.00} written off. {$250.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$250.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$250.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX CO XXXX CO XXXX XXXX XXXX XXXX XXXX CO Charge off Payment history guide Charge Off as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. 

Balance history XX/XX/XXXX Additional info The original amount of this account was {$250.00} Contact info Phone number ( XXXX ) XXXX Address po box XXXX XXXX, WA XXXX Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Checking or savings account

I was traveling overseas and needed to wire money to another bank and had called up Citibank many times before clearing this transaction, and all the phone representatives had assured me that it was possible. 

When the transaction occurred, Citi held onto my money and canceled my online account. Their fraud system doesn't make sense, they couldn't verify my phone number even though I have used the same number for 9 years. I was on the phone with a different representative 5 times providing my verification but none of them resolved the issue. This severely impacted my ability to wire the money in the schedule I needed. As a result of this I had to cancel my overseas trip and cut my trip short in hopes of dealing with this in person. When I visited the branch they were unable to resolve my online issues. 

I am extremely unhappy with the checks and balances and the fraud system used my citi online and it severely impacted my ability to access my funds. The verification process is broken and the phone support is insufficient and inconsistent for online banking.
Product: Student loan

I have contacted Mohela numerous times to ask specific questions regarding my loans. Eight months ago I inquired about how many verifiable PSLF payment counts did I have. I followed all protocols by submitting all requested documents, including certifying that I continue to work for a not for profit company. These qualifying payments are important because they move me closer to loan forgiveness. In over eight months, my qualifying loan information has not been fully updated. I was told that the information would be updated in ninety days. It was not. I was then told I needed to recertify my employment a second time. I did this. I was told that my qualifying payment information would be updated in three days. It was not. I was told that Mohela was awaiting the Department of Education to give the green light to update my information. Today I was told to recertify my employment again before my qualifying loan payment information could be updated. I explained to the representative that the number of qualifying loan payments listed were there when I last recertified my employment the last time. I was also told today that if the loan payment count isn't updated by the time I must resume loan payments, which is in XXXX, that I would receive a refund if owed one. Mohela seems to be waiting for my loan payment date to arrive without updating the number of loan payments I have made that would move me toward loan forgiveness. In more than eight months, I believe my loan payment count should have been updated. Mohela has been giving me conflicting information for over eight months. I would like to know how many qualifying loan payments I have made. I would like to know how close I am to loan forgiveness before my loan repayment period resumes.
Product: Debt collection

EQUIANT FINANCIAL SVCS XXXX - I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my consent. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes & sent out disputes/validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 XXXX XXXX sent me a letter and agreed delinquencies reporting was an error on my credit report and would be updated on the XX/XX/2019. Two of my reports were updated and the one that wasnt is now XXXX is reporting 90 days delinquent on my Equifax Tri-Mortgage Report  because Im closing on a house next week so its time sensitive.