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

Subject : Complaint Regarding Incorrect Account Reporting, Violation of 15 U.S. Code 1681e and 15 U.S. Code 1681i Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an account inaccurately reported on my XXXX credit report. The reporting company has failed to comply with the Fair Credit Reporting Act ( FCRA ), and their actions may also violate IRS regulations regarding debt forgiveness. 

Details of the Issue : The account in question was sold, transferred, or charged off. However : XXXX. The account remains negatively reported on my XXXX credit report, in violation of 15 U.S. Code 1681e, which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 
2. Despite my dispute, the company has failed to conduct a proper reinvestigation as required under 15 U.S. Code 1681i.

Additionally, because this account was charged off, the creditor was required to issue me a 1099-C for canceled debt income under IRS guidelines . Instead, they continue to report the balance as a negative item on my credit report, which constitutes double reporting and is inaccurate. If the account was sold or transferred, the original creditor no longer has a legal right to report the balance.

Harm Caused : The inaccurate reporting has negatively impacted my credit score, which has affected my ability to secure loans or credit at reasonable terms.

I have also been unable to file proper tax documentation due to the lack of a 1099-C for the charged-off debt.

Supporting Documents : I am attaching my XXXX  credit report highlighting the account in question. I attached a letter from XXXX whom states they couldnt find any account and needed me to provide information. I never signed a contract with XXXX and additionally I am requesting the original contract agreement signed by me and dated with the company XXXX. Additionally, I am happy to provide any further information necessary to assist in resolving this issue. 

Thank you for your time and attention. I look forward to your assistance in ensuring compliance with the FCRA and IRS regulations. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, the credit bureaus never did a proper investigation. 

In accordance with the Fair Credit Reporting act, my rights have violate by the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I was offered mortgage loan forebearance so did not pay my XXXX and XX/XX/2020 payments, however in XXXX I paid for 3 months and have been current since. 
In fact I have never missed a mortgage payment in the past with any lender. 

I then applied with another mortgage company to refinance my loan to improve my rate and terms and when credit was pulled it showed late payments for XXXX and XXXX. 
This incorrect information has put my refi on hold, cost me appraisal extension fees, etc, and now I may lose my rate lock soon. 

I have made many calls in the last 2 months to 5/3 bank and while they agreed those payments should not have been shown as late, they have not updated their information so the credit scores are still depressed. 

They make lots of excuses and this is costing me time and money now for their admitted mistake.
Product: Checking or savings account

Bank is holding me liable for crime funds I did not commit and the person that did commit this crime is being charged and going to court. I should not be responsible for money I had nothing to do with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of inquiries that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XXXX  and Experian continues to report a Chapter XXXX Bankruptcy discharged on my credit report. I did not file bankruptcy and paid my debt off on my own. The Bankruptcy Court indicated they do not furnish information to the credit bureau or any third party, therefore, can not request information to be removed. The credit bureaus are falsely claiming they received this information from the court and that the court has verified the information. This is a violation of the Fair Credit Reporting Act and I am requesting that the bankruptcy be removed from my credit files. I have contacted Experian and XXXX several times and provided them with documentation from the court and they refuse to remove the bankruptcy from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY CREDIT REPORT AND NOTICED I HAD AN UNAUTHORIZED COLLECTION FROM XXXX XXXX XXXX WITH ACCT NUMBER : XXXX  OPENED IN XXXX  FOR {$130.00} ON XXXX AND ACCT NUMBER : XXXX  OPENED IN XXXX FOR {$120.00} ON XXXX THAT I DO NOT RECOGNIZE. I BELIEVE SOMEONE MAY HAVE APPLIED FOR SOME THINGS IN MY NAME AS FRAUDULENT. I WOULD ALSO LIKE THE FOLLOWING INQUIRIES REMOVED FROM XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity 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 outrageous amount of items that were opened under my social 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 form my report. XXXX XXXX {$0.00} CHAPTE XXXX BANKRUPTCY DISSMISSED
Product: Credit reporting or other personal consumer reports

have unauthorized inquiries on my credit report, but no accounts seem to be open. I'm assuming this is the result of data breaches.I want the following inquiries removed from my Transunion credit Report. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The company has no way of contacting them and takes long processing it also have predatory ways to make payments and can not set payments on auto. If you make a payment it may take 7 days to process and another 7 to be applied. I submitted a payment XX/XX/21 but it wont be applied until XX/XX/21 and will be after XXXX when the payment is applied. They also literally have no way of reaching out to them. Once you choose Customer Center is redirects to the login page.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these line items however, I have not been successful.
Product: Prepaid card

I made a direct debt to pay a utility bill twice when my card had the funds to cover it. These transactions were pending, which you would know the funds are taken from me where I can not use that amount. It took a week or so for those funds to post when card company declined the payment due to no funds in my account to cover which makes no sense when I applied payment the funds were placed on pending. I have receipts from the utility bill with dates and amount. This is not the first time card company does this to me. I called them the reps are rude and refused to transfer me to management and said nothing more could be done for me and hung up on me. A year a ago the management said the same. I asked them to give me bank information to dispute and discuss and they declined. I did then mention I'm looking to file a civil lawsuit and that I am going to the XXXX
Product: Credit reporting or other personal consumer reports

TransUnion has prevented my online account access since XX/XX/year>, making it impossible to dispute any information directly.
Product: Credit reporting or other personal consumer reports

EXPERIAN CREDIT BUREAU IS REPORTING INACCURATE NEGATIVE ACCOUNTS AND INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On or around XX/XX/XXXX, I applied for a short payoff of {$130000.00} with my mortgage Servicer Select Portfolio Services. I was notified a few weeks later that my request was denied. I called and was advised that I can file an appeal which I did. I filed the appeal on XX/XX/XXXX, but this time received a modification which is only saving me {$50.00} per month. 

This is the reason why this plan the mortgage company has for me is not working. The amount of outstanding balance is {$180000.00}, the adjustable interest rate is 10.25 % and my payment is {$1900.00} per month. The property appraisal which was recently conducted by the mortgage company is {$130000.00}, this means, I am {$46000.00} in the hole. Select Portfolio Services does not do refinances so they can not help me in this area. 

I applied for a refinance with another mortgage company which offered me a FHA 4.00 % fixed rate of interest with an approximate payment of {$1000.00}, this is a savings of {$870.00} per month. The only thing that is preventing me from getting this refinance is the loan to value of the house. 

I know I should not have signed the original loan but, my husband and I were senior citizens and did not fully understand that the rate was going to get so high. We had to file a chapter XXXX which got discharged a few months ago in order to keep the house. My husband XXXX who is also on the loan is XXXX years old and working FORTY hours per week as a XXXX XXXX just so we can pay the mortgage. Lately, his health has not been good and within the next six months, the doctors advise him that he must stop working. I am XXXX years old, have some health issues also and is getting ready to retire in XXXX of next year. After retirement, we can not afford to keep this house with this same payment. 

We are older and would love to stay in the house since it is custom made for us. It is hard as senior citizens to pack up and move. We are trying to keep the house, but is in desperate need for your help. We were senior citizens when we refinance this house and should have never been given such a high interest rate, this is predatory lending, we were definitely taken advantage of. By doing a short payoff, we can get a much lower interest rate which will in turn lower our payment by {$900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. A call was placed to XXXX  in reference to disputing XXXX XXXX XXXX XXXX on my report. I was given a series of security questions to verify my identity in order to begin the process.I was told I needed to send or fax in my drivers liscence, social security card and addresss.Once they received these documents the request could be processed.A follow up call was placed on XX/XX/XXXX XXXX to see if the documents were received. I was then asked a series of security questions to verify my Identity. One of the questions I didn't answer correctly based on not knowing what information they have accurately reported. I was then told I could not receive any information on my report at that time.I have received two confirmed letters from XXXX   neither confirms the inquiry about the XXXX XXXX XXXX XXXX. 
I have not also been able open up an investigation to Southwest Credit Ststems, L.P who I believe has reaged XXXX account debt being reported on my report. The company is reporting the acoount was opened XX/XX/XXXX XXXX. However my last bills show XXXX.I aquired XXXX in XXXX.
Product: Credit card or prepaid card

On XX/XX/2020 I purchased a Bluebird debit card at XXXX 's in XXXX Ohio. I paid XXXX for the card and I deposited XXXX dollars on the card. I went home and attempted to activate the account. I followed the instructions on my phone from Bluebird until the end when Bluebird said they would email a six digit security code to me. I entered the email code and got an incorrect code response. I followed directions to have a new code emailed to me. It was incorrect too. When I typed in their 4th code they locked my account. I call Bluebirds customer service and their automated system cuts me off and won't connect me to a person. XXXX can't help me. American Express can't help me. I'm at a dead end.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had a series of deaths in our family. This caused some issues paying our bills. I enrolled with XXXX XXXX and let all of my credit card creditors know. They worked out settlments with XXXX  ( XXXX XXXX ),  XXXX/XXXX XXXX, US Bank, XXXX XXXX/XXXX, and XXXX XXXX. They are still in the process of working out a settlement with XXXX XXXX. All of theses accounts ( except XXXX XXXX ) are paid in full according to the agreement ( some are with a legal firm ). In fact once we got caught up I paid the balance of the settlement off early with US Bank, XXXX XXXX, and XXXX XXXX. Most of these creditors report the accounts incorrectly. For example, most of them are still reporting an " FP '' failed to pay currently even though there is no balance. Most of them are also reporting the status of the account as derogatory or a charge off. Also, they are reporting that I still owe them money and list that amount as past due. I have contested this with each credit bureau ( XXXX XXXX, XXXX, and XXXX ). All have come back saying the information is correct so I can no longer contest online. I have uploaded the settlement agreements to each bureau also but they changed nothing. I have sent them letters in writing with no response. I have also sent letters to Target, XXXX, US Bank, and XXXX. Along with having a full time job we also own an XXXX  business and are in the process of going for a small business loan. With these inaccuracies it is putting that financing in jeopardy. Credit counseling should be a good thing and if the creditors were more willing you could work out a fair settlement on your own. But when they continue to add multiple fees and interest month it spirals out of control and make it impossible to ever pay back the debt. Attached are a few of the letters I have sent. I can find them all if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  accounts below have violated my rights : Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXXXXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX  Account # : XXXX Account Name XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Type : XXXX Account # : XXXX Account Type : XXXX  Account # : XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

I purchased a car on XX/XX/2023 from XXXX XXXX XXXX sales in XXXX IL while there they told me that I was required to buy a motor club membership in order to get the loan. I told them I was not interested and they said that " you will be denied credit if you do not purchase the membership and it's only XXXX $ a month anyway so you will barely even notice the difference in your monthly payment '' They told me the bank requires it. I was talking to a former car salesman and he told me that was payment packing and that I need to file a complaint.
Product: Credit reporting or other personal consumer reports

Inquires not authorized fraudulent I did not agree nor sign off I am not familiar with this company I did not consent. I informed them. They said they will help
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted complaint about the issue through CFPB XXXX XX/XX/, complaint XXXX. LexisNexis still has not responded to to myself or CFPB as of today, XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

I recently applied for a XXXX XXXX Credit card at the Navy Federal Credit Union after being approved with debit card. I received the debit card XX/XX/XXXX. I also received a reply stating that my credit card application number XXXX, dated XXXX was denied for the following reason, " YOU CAUSE NAVY FEDERAL A LOSS ". I served and XXXX in the XXXX for 20 years. I believe this is due to the bankruptcy I filled when I was still active in the service in the year of XXXX or XXXX ( that was more than 30 years ago ). I thought in accordance with the law, that bankruptcy stays in the record for a maximum of 10 years and can not be a basis anymore for disapproval. My credit has been successfully established since then. 
The denial came from the Navy Federal Credit Union, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. Can you please shed some light on this matter and probably try to help me in obtaining a credit card, which is safer to use nowadays ' cause scammers are getting more aggressive and seems to be out of control. My E-mail : XXXX. 
Respecfully, XXXX XXXX, XXXX, XXXX
Product: Checking or savings account

I opened an account in XXXX of this year, with a bonus offer as follows : if I am able to make 2 direct deposits, each of XXXX or more from employer within 90 days of account opening, the I am to receive XXXX dollars as a one time sign up bonus. I have met the requirement by mid XXXX on which my employer made two direct deposits ( and two more later ) but I have not received any amount of bonus. I tried to reach out to the company, someone left a voicemail in my phone but when I attempt to call back over ten times no one answers during business hours.
Product: Credit card

Recieved a citi bank master card with {$13000.00} limit. When I called citi bank I was notified that it was requested out of Pennsylvania and they had used my old phone number and information. The card itself had my name, but also had me down as a senior. Which I am not.
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 
I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Type : Line of Credit Responsibility : Individual Date Opened : XX/XX/XXXX Status : OPEN Status Updated : XX/XX/XXXX Balance : - Balance Updated : - Recent Payment : - Monthly Payment : - Credit Limit : {$8500.00} Highest Balance : {$5500.00} Late Payment Date : XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ).

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights.

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX XXXX XXXX - {$1100.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Checking or savings account

To much low account fees when they only give .001 % 0n my money i can never get out the red zone for Years
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED FROM TRANSUNION LLC Account : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Last 4 SSN : XXXX Date of birth : XX/XX/year>