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

Equifax is reporting XXXX Account Numbers XXXX, XXXX, XXXX, & XXXX as a charge-offs in the amounts of {$1300.00}, {$440.00}, {$740.00}, & {$210.00}, respectively.. My Rights. 15 U.S.C1681 section 602 A states I have the right to privacy. 15 U.S.C1681 section 604 A. section XXXX also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C1681c. ( XXXX ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information is inaccurate. The FCRA does not allow income to be reported on a consumer 's credit report because it violates privacy and income is not considered relevant for determining credit risk. Although the original creditor has already received a tax break for writing these XXXX accounts off as profit loss and reported said accounts to the XXXX  as my income ( via the XXXX that I never received ), the accounts continue to be reported as charge-offs on my credit file. The FCRA does not allow income to be reported on a consumer 's credit report The inaccurate representation of income as charge-offs on my credit report grounds me to seek statutory damages and/or the involvement of the XXXX. Due to said charge-offs on my credit report, recent loan and charge card applications were denied. Additionally, the inaccurate representation of income as charge-offs on my credit file prohibits me from purchasing a home, causing emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in XXXX - XX/XX/XXXX - I entered an agreement with XXXX XXXX one of their affiliates and/or a representative authorized to collect a debt on their behalf. The agreement required me to pay {$530.00} ( 60 % ) of the outstanding balance of {$810.00} owed on account ending XXXX. 

XXXX XXXX representative took payment information " check by phone '' and assured me that XXXX XXXX would notify major credit bureaus ; XXXX, XXXX  and Transunion that this particular account has been settled as paid in full. The check # XXXX was remitted over the phone for {$530.00}, reviewed and confirmed. The payment cleared my bank account and electronically transferred to " Account XXXX XXXX Escrow ITF Account ''. My checking account was reduced by this amount, {$530.00}. 

I requested multiple investigations with the above mentioned credit bureaus, some on XX/XX/XXXX, XX/XX/XXXX and later. A few more as recently as XX/XX/XXXX because XXXX XXXX has fraudulently reported the entire balance of {$810.00} as outstanding in spite of our agreement. It had been my understanding that XXXX XXXX, its collection employees/affiliates and/or third parties were acting in good faith when they entered an agreement with me on XX/XX/XXXX. Furthermore, it was my understanding that XXXX XXXX would honor their agreement. 

As of XX/XX/XXXX, I can see two of the credit bureaus - Transunion and XXXX  - reporting a balance for this account ending in an amount of {$810.00} in spite of our agreement. 

I feel violated and taken advantage of by this company. I also feel that the company used an " offer '' to entice me into making a payment with no intent to report accurate information to the major credit bureaus as required by law.
Product: Credit reporting or other personal consumer reports

MOHELA is double reporting some student loans on my credit report and keeps saying theyre escalating it but i first noticed this on XXXX XXXX, XXXX and the double reporting is STILL there. I filed a CFPB complaint but MOHELA just copied and pasted in a default response that didnt actually address my issue. This is impacting my credit scores and a violation of FCRA. In the attachment youll see my credit report and my student loan list in my portal. Youll notice that everything is listed twice in my credit report but with differing balances because of MOHELAs reporting issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$420.00}, {$5900.00}, {$0.00}, {$6000.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 


-- XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- STUDENT LOANS 4. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

5. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Product: Credit card or prepaid card

I opened an account through XXXX, who uses TDBank, for a payment plan on my Cell Phone. The first 3 month 's payments went through fine, then the next two months did not go through. I was not made aware of either of these not going through until the next month I noticed that I had more money than anticipated in my bill pay account. I researched and discovered the issue. I called XXXXTDBank who informed me that my account number was not correct and so the payments were rejected. The operator and I fixed the system error and made the payments in one larger payment. I realized that it may effect my credit statement, and so inquired about that not being shown as a late payment because of this system error ( and it was an error on their side seeing as my first 3 payments went through just fine ) - I was told that it shouldn't show up. So when it did, as I was applying for a home loan, I called back asking to get this corrected. I was told that they would not change the information, because the payments were late. This despite their system error, which messed up my account information, my attempts to make payments, and their system 's lack of notification telling me the information was incorrect/payment was not received. 

I made several attempts at having them remove this error on my report, but they refuse to cooperate despite my making the payments.
Product: Credit reporting or other personal consumer reports

I filed bankruptcy in XXXX of XXXX, XXXX XXXX  received notification from the court and myself., I also contacted them to request keeping my card, they denied my request because of the bankruptcy. They didnt put the account in bankruptcy, they continually reported the account as delinquent from XXXX through XXXX ( which was incorrect. In XXXX I dismissed my bankruptcy and asked premier if my account could be reopened, they said it was closed because of delinquency.My account was in good standing before I filed bankruptcy. I asked what could be done they said nothing because the account was closed. The account was taken off of my credit. In XXXX it was back on my credit showing as delinquent. I contacted XXXX XXXX, XXXX XXXX and several other executives through email and phone call disputing this inaccurate account and asking for someone to contact me to get this resolved. No one ever contacted me and they continued to report inaccurate information when I bought to the attention of there supervisors including XXXX XXXX she said and I quote they dont care if they reported incorrect information. They are not correcting, deleting it or resolving any XXXX, That I should hire an attorney, contact the CFPB and FCC XXXX they dont care. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. When incompetent people like herself are intentionally causing harm to my life and livelihood and they have no problem admitting.They should be fired, prosecuted and or arrested. She knowingly admitted that they were intentionally reporting false information and they wouldnt remove unless I make a payment which is bribery. I have the entire conversation on tape because when she proceeded to be intentional with bringing harm to my life as I have not been able to get a car or house. I became very rude and called her a XXXX  and hung up on her and continued to call back multiple times leaving a message calling her the same thing again. XXXX XXXX  is purposely causing harm to peoples lives and businesses. They need to be held accountable and I would like them persecuted. I have all the emails, phone calls and tapes of conversations that I had with them to get this rectified and each person at their company has said they know they reported inaccurate information and they dont care and are not going to fix it.At this time I think it is being done intentionally and could also be racially motivated.
Product: Bank account or service

Maintained a Business Checking Account with US BANK NA, received payment via wire transfer on or about XXXX/XXXX/15, in response to what we believed to be a prior invoice issued earlier in the year, as the dollar amounts matched to the penny. Funds cleared and remained untouched in Account for 10 calendar days. On XXXX/XXXX/15, Account was subsequently frozen on the grounds the wire had been sent by our client from an 'unauthorized source '. Purpotedly due to our clients preferred source of funds for payment, our Account was subsequently closed in XXXX 2015 and the business was reported to XXXX for the following : * Non-sufficient funds activity * Writing checks on a closed account Neither of these alleged activities ever took place, nor was I accused of such activity while in communication with bank, nor does bank have any record to support such a claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

A representative at LexisNexis told me the bankruptcy on my credit report had been removed. I called back again and another representative told me the bankruptcy has not been removed nor was it ever disputed. I have asked for additional information regarding their dispute process and have received nothing. LexisNexis is required by law to verify the accuracy in my record with the courts. The representative at the courts has confirmed I do not have a bankruptcy. The representative at the court also confirmed no one from LexisNexis has contacted them for verification. LexisNexis is not properly researching negative items on my report. If the negative items are not removed from my report, I plan to pursue this matter to the fullest extent of the law.
Product: Credit reporting or other personal consumer reports

i am a victim of XXXX XXXX for years now. [ 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I was a victim of XXXX XXXX  perpetrated by XXXX XXXX. The trafficking occurred while I resided at XXXX XXXX XXXX, XXXX, GA XXXX. During this period, XXXX XXXX, who can be reached at XXXX and XXXX, used my personal information without my consent to open fraudulent accounts and incur debts in my name. I am now working to rebuild my life and financial stability, and I request your assistance in addressing the negative impact this has had on my credit report. 
I am requesting the following actions : * Investigation and removal of all accounts and debts that were fraudulently opened or incurred by XXXX XXXX : I believe the following accounts are fraudulent : * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * Provision of copies of all fraudulent applications and supporting documentation : This information will be helpful in my ongoing efforts to pursue legal action against XXXX XXXX and recover from the financial harm I have suffered. 
I am in the process of gathering supporting documentation related to the XXXX  and will provide it as soon as possible. I understand that additional documentation XXXX be required, and I am willing to cooperate fully with your investigation. 
I would appreciate it if you could expedite this request given the sensitive nature of the situation. Please contact me at the phone number or email address above if you require any further information. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see all accounts in my attachment. I have also attached a copy of the law FCRA 605b.I have also attached a copy of a FTC fraud affidavit.
Product: Checking or savings account

In XX/XX/year> I accidentally transferred money from my checking account at USAA to a savings account at USAA that belonged to my deceased mother. The Trustee for her estate ( XXXX ; XXXX ) did not close the account. We are now in litigation. XXXX XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I initiated an ACH transfer from my brokerage investment account to my personal checking account at Wise on XX/XX/24. The funds were successfully sent to the correct account and were expected to arrive on XX/XX/24, but they never settled to my account. On XX/XX/24 Wise sent me an email that said : " Your bank has returned your money to us again. So we've had to give you a refund. 

Sorry we couldn't make your transfer of XXXX USD to USD. There still seems to be a problem with the details we have. 

Your money 's on its way back to you now. 

Refund details Amount refunded : XXXX USD '' The money never arrived to my Wise account or my brokerage account. I contacted Wise on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Their customer support keeps giving me the same generic answer that my case has been escalated. 

Wise has confirmed they have received my funds, but there is some " technical '' error they are not informing me of and will update me when they have more information. It has now been 25 days since I sent this transfer. I have missed out on many investment opportunities and it seems Wise has been holding my money potentially for its own use.
Product: Debt collection

Ascendium never contacted me at my current address which I have had over 10 years. I was informed by the Attorney General to submit the complaint. Ascendium Education is reporting 16 debts from previous creditors from student loans. I attached their response which confirms that they are falsifying dates to keep on my credit reports. All of my loans exceed 7-10 years, however they are reporting the opening dates of the the obsolete accounts as XX/XX/2016. Then they are reporting the payment history as the payment history starting in XXXX, 2016. It is against the law for a collection agency not to report the same opening and payment history of the original creditor. Even if the credit collection company reports the opening date in which they receive the defaulted account to the credit bureaus, it is against the law for them to report a payment history that is not the same as the original creditor. Ascendium should know that negative re-aging debt on credit reports is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is. Negative re-aging is illegal and, if it occurs, you are in violation of the Fair Credit Reporting Act. Some collectors do this intentionally. Collection accounts may be reported for seven years from the date that the party first fell behind with the  original creditor. Thats true regardless of whether the account is paid, unpaid or settled in the meantime. If a collection agency re-ages the original date of delinquency, it is likely breaking the law, and the consumer should contact the Consumer Financial Protection Bureau and/or a consumer law attorney. I have attached my credit report so that you can see that Ascendium has changed the original date of the loans as well as they have changed the payment history. I also attached a copy of the letter from Ascendium and it supports that Ascedium is  reporting false information to keep on my credit reports. If they do not remove this false data immediately, I will be forced to sue the organization. Please take note of the dates in which Ascendium is stating, the dates of the obsolete student loans, the dates reflect that I have had all of the loans exceeding 7-10 years which support they are outdated and should not be reporting as recent student loans as Ascendium is falsely reporting. I informed the loan holders numerous years ago that I am XXXX and I have been for numerous years and informed them of such,
Product: Credit reporting, credit repair services, or other personal consumer reports

After relentless effort to have an entry removed from my credit report as it is IN ERROR, the Florida OFR was FINALLY able to get the company XXXX XXXX to admit their error and agree to delete from my report. In a letter dated XX/XX/18 from XXXX, a request for deletion to all 3 credit bureaus was submitted. Ironically, Equifax is the only one who has NOT removed the derogatory information, It has been almost 4 months and it still remains. I honestly believe this CRA gets a thrill or may be a kickback of some sort by NOT removing negative information albeit INACURRATE. I had previously disputed with them on several different occasions and item always came back as verified accurate. Funny that the company has admitted otherwise ...
Product: Credit reporting or other personal consumer reports

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 INQUIRIES 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 I looked at XXXX XXXX credit report on XX/XX/XXXX and noticed some things are 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 furnisherof 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 supposed 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, credit repair services, or other personal consumer reports

I never have criminal record and I dont have stolen identity
Product: Mortgage

I have a home equity loan that reset to more than double the initial payment. The loan has a variable rate and keeps rising as the Fed razes rates. This loan has all the ear-marks of a predator loan. 

The lender, Bank of America, is not consistent in mailing monthly invoice. I call asking for an invoice to be mailed to me and I am told it is a courtesy.

How do I determine what to pay each money?

I tried applying for a loan modification a couple of years ago. I was assigned a case manager, Mr. XXXX XXXX. He was as Not, very courteous with me badgering me, curt in his replies and not even keeping our phone appointments to keep me apprised of the progress. 

Finally, I was fat out denied the modification. 

Recently, I received notification of a due date change to he XXXX from the XXXX. See the last invoice I got and the change letter. 

I am struggling now and have to wait til I receive retirement benefits to make the payment which is already late. 

How can they change the due date we have already agreed to and implemented for several months???
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my attempt to get this matter resolved. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. 3 credit bureaus have failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed accounts that are reporting to my credit file held with the 3 credit bureaus. These accounts were opened negatively. I informed them of the issue & provide them with the required documents to correct the accounts via FCRA Section 605b. They have failed to correct the accounts, additionally, they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following accounts to be corrected from my report ASAP. I want you to correct the following accounts immediately : XXXX XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$370.00} ; XXXX XXXX XX/XX/XXXXXXXX Balance : {$2700.00}.