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

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX To Whom It XXXX Concern, Subject : Inaccurate Credit Reporting Request for Immediate Deletion ( 15 USC 1681s-2 ) I am writing to formally notify you of an ongoing issue regarding inaccurate information reported by your company to the credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ). As a furnisher of credit information, it is your legal responsibility to ensure the accuracy and integrity of the data provided. 
The specific account in question is as follows : Account Name : [ XXXX ] Account Number : [ XXXX Current Reported Balance : [ {$1700.00} ] It is my understanding that this debt was charged off by your company, and I have reason to believe that a Form 1099-C was issued, which memorializes the cancellation of this debt. According to IRS guidelines, a debt cancellation through a Form 1099-C should no longer reflect as a balance on my consumer credit report. The continued reporting of this balance is therefore inaccurate and misleading. 
This inaccuracy constitutes a clear violation of the FCRA, as you are required to report only truthful and accurate information. With full knowledge of this error, you are obligated to correct it immediately. 
To rectify this matter, I request that you provide me with the following : 2. A return of the time and form prescribed by regulation or the Secretary, including : o My name o My address o My Tax Identification Number ( TIN ) o The date and amount of the discharged/charged-off debt o Any other relevant information as required by the Secretary If you are unable to provide the requested documentation and proof, I demand that this account be removed from my credit report in its entirety. Failure to comply with this request may result in legal action, as I will not hesitate to engage retained counsel to protect my rights under the FCRA. 
Please respond promptly and confirm the actions taken to correct this issue. All correspondence related to this matter should be sent to the address listed above. 
Thank you for your immediate attention to this matter. I look forward to your prompt and favorable resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account should not be furnished as negative on my consumer report as it is in VIOLATION under, 15 US Code 1681-B permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I paid all of my car payments and the account should NOT be listed as a negative closed account, but instead should be a POSITIVE closed account as the bill has been fully paid off and has been for a very long time. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. As a consumer, I am demanding the fixing of the negative status of this account IMMEDIATELY : XXXX XXXX XXXX XXXX. I am demanding the DELETION of this UNAUTHORIZED INQUIRY IMMEDIATELY : XXXX XXXX XXXXXXXX.
Product: Credit card or prepaid card

I am reporting 3 issues I've had. 

The first is my Walmart credit card that I just finished consolidating. I paid the remaining balance of {$95.00} over the phone in XXXX of 2019, however that payment never went through and I received a letter in the mail stating that my balance was past due with the amount of {$100.00} on XX/XX/2019. I called Walmart and paid it off but was waived the late fee and only had to pay {$95.00}. If the payment had gone through the first time a paid for it over the phone, I wouldn't have a late payment. 

The following reports are due to the financial hardship I was going through at the time : My XXXX XXXX credit card had a minimum balance of {$25.00} due on XX/XX/2019. I didn't pay the {$25.00} minimum until XX/XX/2019, which resulted in a {$25.00} late fee and my minimum balance increased to {$51.00}. 

My XXXX credit card payment was due on XX/XX/2019. I made a payment of {$260.00} on XX/XX/2019. This resulted in a late fee of {$27.00}
Product: Debt collection

To Consumer Financial Protection Bureau : XXXX/Rash Curtis & Associates, a collection agency, collected more than the amount that was billed/posted with the credit bureaus and defaulted on their promise to me that they would delete their collection postings ( the original collection and hard inquiry ) on my credit reports. On top of these, they posted an extra hard inquiry for collection purpose for the same collection item that I paid on the same day. According XXXX, hard inquiries impact my credit score negatively and can be seemed by all other creditors. I believe what XXXX/Rash Curtis & Associates did were unfair and unlawful. Please help me. 

Below are the background details : 1 ) I owed XXXX {$1800.00} back in XX/XX/XXXX. At the time of my hospital visit, I was studying for a XXXX exam and was unemployed. I moved four times since then. The hospital forwarded my unpaid balance to XXXX/Rash Curtis & Associates for collection. 
2 ) On XX/XX/XXXX, through XXXX, a credit bureau, I realized I had a twenty-three hundred some dollars collection item on my credit report posted by XXXX/Rash Curtis & Associates on XX/XX/XXXX. 
3 ) On XX/XX/XXXX, I called the collection agency and told them I wanted to pay the collection amount. The man who took my call told me the balance due was {$2500.00}. I questioned him about the increased amount. He said with the extra amount, he would delete the collection from my credit report right away. I paid the collection agency {$2500.00}. 
4 ) On XX/XX/XXXX, through XXXX, I saw a collection notice by XXXX/Rash Curtis & Associates for the same collection item showing up in my credit report again. I called them the next day. They said it usually would take 60 to 90 days to have a collection notice removed, and if I would want the process to be expertized, I would have to pay them more. I was very upset. I had already paid them almost XXXX dollars more than what they billed me for, through the credit bureaus. 
5 ) I filed a dispute for the collection notice with XXXX on XX/XX/XXXX. 
6 ) On XX/XX/XXXX, I received a report from XXXX which shows all my credit histories and realized that they not only did n't delete the original hard inquiry for collection on XX/XX/XXXX, they posted another hard inquiry for collection on XX/XX/XXXX on the same day that I paid them. 
7 ) On XX/XX/XXXX, I called XXXX and learned that only XXXX/Rash Curtis & Associates had the ability to delete/remove those hard inquiries. 

Sincerely, XXXX
Product: Checking or savings account

I have a Capital One savings account. I sent 4 checks to Capital One from another bank so the money could be placed in my savings account. 

XXXX {$9500.00} ( Capital One cashed the check ) XXXX {$9500.00} ( I stopped payment on XX/XX/13 ) XXXX {$9500.00} ( Capital One cashed the check ) XXXX {$4700.00} ( Capital One cashed the check ) All of the checks had my account number on the check as well as my full name. Capital One cashed three of the checks and I have images of it. I called and spoke with XXXX people at Capital One and the response was we don't see the money, we don't make mistakes and you'll have to figure it out ( open an investigation ) with the bank who sent the money. Capital One has stolen my money and won't admit that they have it. I opened an investigation with the bank who sent the funds for me and I even had the originating bank call Capital One with me and Capital One said " we don't make mistakes, we didn't cash the checks ''. I am working with my other bank to try and get my money back, but Capital One is not helping and I have proof they have my money. Their business practices are dishonest and I will be closing my accounts as soon as this is all over.
Product: Checking or savings account

Received a call on my mobile; did not answer. 

Dialed number and received message about issues with a CitiBank account. 

Recording requested that I enter my ATM card number, SSN or FIN ; I hung up because I work in Finance and know that Regulations prevent this unsolicited request. 

I looked up the number on the web and it was flagged for fraud ; I am officially reporting this phishing attempt.
Product: Debt collection

I was notified of an account that was in collections. I had no prior knowledge of this debt. The original credit said it was placed in XXXX and is in collections in XXXX? The original creditor is something called XXXX XXXX. I have no knowledge of this company. It is listed on line as a known scam. They falsify owed money and try to scam people into paying it by having it in collections. I do not owe this money. My credit dropped XXXX points. I want it removed and I want XXXX XXXX flagged as a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In or around  XXXX   XXXX , I purchased a vehicle and informed Equifax,   XXXX   and   XXXX    that they are incorrectly reporting a judgment on my report.   XXXX   and  XXXX  have since removed it. I purchased another vehicle  (   XXXX / XXXX / XXXX   ), and was shocked that Equifax did not remove this derogatory remark which increased my monthly paym ent due to the interest rate. I gave proof to Equifax in  XXXX  that there was not a judgment entered in favor of a prior Landlord in  XXXX  against me. In  XXXX  I called the clerk 's office of the jurisdiction of whom recorded it. They advised that they do not report, emailed the pla intiff 's attorney he advised that they do not report, or the creditor ( in this matter being the " Landlord ''.  I settled this matter before it even went to litigation, because I did not want my credit reflecting a judgment, and have been penalized for the last 6 years. I emailed the attorney again on  XXXX / XXXX / XXXX  and he advised that I need to co ntact the CBR agency b ecause he nor his clients can do anything about it.     Judgment recorded  XXXX  for {$4200.00} against another party
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to have Equifax to investigate inaccurate accounts on my credit file. USC 1681i ( a ) ( 5 ) states : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently contacted XXXX, XXXX, XXXX, and Experian. 

I recently had a XXXX XXXX XXXXXXXX because I am totally and XXXX XXXXXXXX. 

Experian and XXXX has this loan as XXXX. That's good. 

My question, and problem, is that they keep reporting late payments from about XXXX  years ago. I'm XXXX, have XXXX XXXX XXXXXXXX XXXX, as well as other XXXX XXXX XXXX  and it will do no good for me to have the loan XXXX and carry the late payments, which are under dispute. I say under dispute because I received a forbearance or deferment during those times, my income never went up, and thus should've been in forebearance or deferment. That is proveable as I get income from social security and retirement. 

Besides that, each of the XXXX entities above claim that the other is the one to delete the " late payments. '' So who would be responsible for doing that and who does what next? 

This is very troubling and confusing. You simply can not get Experian on the phone... they've set their phone menu up to direct you to their website in EVERY CASE. 

XXXX is so busy that in practicality you can't reach them. 

Only XXXX can be reached on the phone. Otherwise I send messages and they refer to the other party. Now tell me that this isn't a common occurence. People need to know the solution to it, rather than wringing their hands. 

I'd like to get this resolved before I die ... surely my last words wouldn't be that I had late payments on this initial {$15000.00} student loan, that was supposed to be taken off after teacher service at a low income school. This loan was taken out 35 years ago, and I've suffered enough, with a balance of over {$200000.00} until recently. 

So, which entity starts the process? Who finalizes it? Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX and Experian, it seems that credit cards and other inquiries have been carried out with me requesting them. It seems that the card company periodally do this and it affects my credit. Then it lowers my credits score when I pay my bills on time, I have recently paid off two cars and mortgage has never been late. I can not understand why on all my credit reports it show a low credit score. The companies that have recently conducted inquires on my report is what I am referring too. Please review this, these errors need to be consider and changed. I believe that my credit score is really too low for someone that pays there bills on time. Thank you
Product: Prepaid card

XXXX XXXX XXXX XXXX Date : this all happened XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to file a formal complaint regarding a transaction issue that occurred on XX/XX/year>, involving my EBT card and an ATM withdrawal at a Bank of America ATM XXXX Despite following up multiple times with both Bank of America and my XXXX provider, I have not received the reimbursement or resolution for this issue. 

Transaction Details : - Date of Transaction : XX/XX/year> - ATM Location : Bank of America : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - EBT Card Number : XXXX but XXXX gave me a new card its XXXX now - Amount of Transaction : XXXX - ATM Receipt/Transaction ID ( if available ) : MACHINE DIDNT GIVE ME A RECEIPT PULL THE CAMERS UP OR IM SUEING On the specified date, I attempted to withdraw money from the ATM using my XXXX card. However, the ATM did not dispense the funds, and I was charged for the transaction. After noticing the discrepancy, I promptly filed a claim with my XXXX provider. A representative from the XXXX provider contacted me and stated that they could not reimburse the funds because Bank of America was responsible for processing the claim. 

I then reached out to Bank of America multiple times to resolve the matter, but they have not provided any meaningful resolution or reimbursement. As a result, I have been without the funds that were wrongly deducted from my account, and I am seeking assistance from your office in ensuring that Bank of America processes my reimbursement in a timely and appropriate manner. 

Steps I Have Taken : XXXX. Filed a claim with the XXXX provider on XXXX XXXX XXXX. Followed up with Bank of America via phone on XXXX XXXX XXXX. XXXX with XXXX customer service on XXXX XXXX and was informed that Bank of America is responsible for the reimbursement. 

Despite these efforts, I have not received a refund or any further assistance in resolving this matter.

Resolution Sought : I respectfully request the CFPBs assistance in ensuring that Bank of America processes the reimbursement for the funds I did not receive during the ATM transaction. I would appreciate your help in holding both the XXXX provider and Bank of America accountable for resolving this issue promptly. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall 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. 
( 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. 

I can go on about how they keep undermining the law. 

The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

Equifaxs failure to properly investigate consumer disputes has been widely documented by the Consumer Financial Protection Bureau ( CFPB ), even leading to legal action for violating the FCRA. This ongoing pattern of noncompliance is unacceptable, and I will not allow my credit report to suffer due to Equifaxs negligence. I expect immediate corrective action regarding the errors on my credit report, which include XXXX XXXX with account number XXXX and a balance of {$1300.00}, XXXX XXXX with account number XXXX and a balance of {$1700.00}, XX/XX/XXXX with account number XXXX and a balance of {$1700.00}, XX/XX/XXXX with account number XXXX and a balance of {$880.00},XX/XX/XXXXXXXX with account number XXXX showing {$0.00}, XX/XX/XXXX with account number XXXX inaccurately reporting {$6700.00}, XXXXXX/XX/XXXX with account number XXXX listing {$1100.00} XXXX XXXXXX/XX/XXXX with account number XXXX showing {$3500.00} , andXX/XX/XXXX XX/XX/XXXX with account number XXXX incorrectly reporting a {$0.00} balance. Other errors include XX/XX/XXXXXXXX with account number XXXX listing {$590.00}, XXXX with account number XXXX reporting {$490.00}, XXXX XXXX XXXX with account number XXXX showing {$2100.00}, XXXX XXXX XXXX with account number XXXX reporting {$1300.00}, XXXX XXXX XXXX with account number XXXX listing {$3300.00}, XX/XX/XXXX with account number XXXX showing {$4800.00}, andXX/XX/XXXXwith account number XXXX reporting {$1700.00}. Federal law ( 15 U.S.C. 1681i ) clearly requires Equifax to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be removed immediately. I demand that these errors be corrected without delay, as they are actively damaging my financial well-being. Continued noncompliance will not be ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquiries on my account. Please see that following : XXXX XXXX, Inquiry Date XXXX XXXX  XXXX XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX XXXX  XXXX, Inquiry Date XXXX XXXX  XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX These were reported to XXXX, XXXX  and Equifax. I have not gotten information back regarding my complaints. These items are still on my credit reports. 

Due to the inaccurate information reported by these companies, my credit has been severely damaged. I am requesting that this information be investigated and the findings corrected and or removed from my file.
Product: Credit card or prepaid card

On Tuesday, XX/XX/XXXX I received an unsolicited card from cash app. I immediately contacted cash app through their customer support. This was difficult in the case of fraud as they try to force you to using the cash app or web login which you won't have in the case of fraud. I was able to finally get a hold of a phone number, but they made the process difficult and they provide no special fraud reporting system as legitimate financial institutions do. Note that the fraudulent account was opened even though I have a fraud alert on my credit reports asking to contact my phone number to verify before opening accounts in my name, they did not contact me before opening the account. 

I was able to open a case and submitted all the information asked. I received an email on XX/XX/XXXX stating they understood the importance of trying to verify my identity. I was not trying to verify identity I was trying to close a fraudulently opened account. On XX/XX/XXXX I received a request to login to my cash app account to verify my identity. Since I did not open a cash app account myself I had no way to do that. Support completely ignore my original statement that I did not have an account nor had I opened one. I responded with that information again on XX/XX/XXXX. 

As of XX/XX/XXXX I had not received a response so I contacted support again via phone. That process took calling another number since the original support number disconnected due to call overload. The basic response was the case was active and I should get response in the next few days. 

This is far too long to resolve fraudulent account opening and credit checks should be performed if only for the purpose to check for fraud alerts. I'm still awaiting resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Equifax Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
DPEDXXXX XXXX Balance : {$0.00} DPEDXXXX  XXXX Balance : {$0.00} DPEDXXXX XXXXXXXX Balance : {$0.00} DPEDXXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

Company repeatedly contacts for XXXX business debts, with a different name than mine. Likely whoever owes the debt used my phone number. Multiple calls in a week, sometimes multiple per day. Screenshot included does not include all calls, as the number was blocked after the XXXX  call. I have asked them to remove me from their records but they asked for my information, likely phishing, which I refused to give.
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted transunion recently informing them of the information below provided to the CFPB by the company XXXX XXXXXXXX XXXX XXXX Company 's Response Please be advised that XXXX  XXXX XXXX XXXX has closed this account in our office. We will submit a request to the credit bureaus to have this account removed from the consumers credit report. Please allow at least 30 days for the removal to reflect on the consumers credit report. Thank you, XXXX XXXX XXXX XXXX XXXX 

complaint ID with CFPB : XXXX I then requested transunion to delete this information from my consumer credit profile but they refused to delete it. 

item to be deleted is : XXXX XXXXXXXX XXXX XXXX {$2000.00} - - - Address XXXX XXXX XXXX XXXX, PA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX High Balance {$2000.00} Original Creditor XXXX XXXX XXXX XXXX Past Due {$2000.00} Pay Status >In Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION<