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

XXXX XXXX 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 ) ( I ). states that the consumer report does not include information solely as to transactions or experiences ( payments History, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s- 2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX XXXX XXXX shall not furnish any information relating to a consumer ( me ) to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX 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! So, Experian is now in violation of the FCRA. The reporting of this as A debt is inaccurate. I never received a 1099 - C Form from XXXX XXXX XXXX XXXX for the canceled debt of ( { {$75000.00} } ) in order to file as ordinary income. Where is my 1099-C? XXXX XXXX XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debt greater than ( { {$600.00} } ). This is unsatisfactory! XXXX XXXX XXXX XXXX and Experian have been HEREBY PUT ON NOTICE That they are furnishing incorrect inaccurate information. I have the 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 verbal per 15 U.S. Code 6802 I'm NOW OPTING OUT of anymore further reporting of this account after Experian has updated the account to PAID AS AGREED, I AM INVOKING MY SPECIFIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITHHOLDING MY DISCLOSURES, Pursuant 15 U.S. Code 6802 ( B ) Again Experian is in direct violation of 15 U.S.C 1681 section 602 A. Stating I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also stating a consumer reporting agency can not furnish an account without my written instructions. UPDATE THE BELOW ACCOUNT FOR ALL CONSUMER REPORTING AGENCIES. 


Account name : XXXX XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regard to my credit report which was recently issued to me and includes negative items from the following. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

Please remove inaccurate information XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Doesnt exist. Inaccurate information My rights have been violated sharing and posting information that is not accurate per FCRA please remove The FCRA is a federal law that requires credit bureaus to provide consumers with fair and accurate credit reports. Section 609 of the FCRA states that whenever a consumer disputes an item on a credit report, the credit bureau must provide reasonable procedures to ensure that the information is in fact accurate.
Product: Debt collection

I Received a letter from a debt collector claiming I owe a debt to them. Company Name : XXXX XXXX XXXX, XXXX. I disputed this debt with them and ask for Verification of this debt which they haven't provided me as of yet. I informed them that the information on the debt is inaccurate and that I'm not associated with this debt and to. Please Remove From my Credit Reporting. I then got in touch with the Original Creditor. Synchrony Bank in which they informed me in writing that the debt was SOLD to XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It submitted a dispute letter to Equifax asking for verification of account. It has now been pass 30 days and Equifax hasn't neglected to abide by FCRA laws.
Product: Credit card or prepaid card

In XX/XX/2020 I found an online shopping site named " XXXX '' I found this site using XXXX 's search engine. 
My initial search was for a woman 's bike. 
I found what I believed was a lucky break after spotting a woman 's 26 '' bike for XXXX bucks. 
I placed the order using my XXXX account at checkout. 
I noticed something unusual when I didn't receive the normal order confirmation email which all online companies are required. 
I did however receive a receipt from XXXX. 
Because of my skeptisum I returned to the site attempting to contact customer service support. 
That's when things really began to look suspicious. 
The site provided a way for customers to contact the merchant via phone and email. The phone number provided by the company is non active. 
The email contact page doesn't allow the messages to send through. 
My XXXX receipt shows a tracking ( XXXX  ) On the day of delivery I monitored my livingroom window all day. 
I contacted ( XXXX  ) who informed me that the package had been delivered to an address not mine and was signed for by a man. 
I was then prompted to reach out to the seller whom I already knew could not be reached. 
I did inform my debit card issuer : AMEX. 
Filed a dispute for investigation and was given a 45 day total XX/XX/2020 of when I should expect to receive the determination of my refund being credited to mine account. 
I am past that date and AMEX dispute department is avoiding me. I can no longer reach a live agent. 

At this stance AMEX has convinced me that the possibility of the dispute supervisors may have either stolen the refund or perhaps may be involved in the cyber criminal website fraudulent scams. 
There is also another dispute I filed for a transaction with a different online site : " XXXX XXXX '' I have also cooperated in uploading all requested/required documents but again AMEX is not being cooperative. 
It's quite mysterious as to how I'm allowed to file the disputes and provide proof of the transactions and me not having the merchandise then when it's time to be refunded AMEX disappears. 
I have uploaded plenty proof of purchase and proof of transactions. 
I am owed a total of {$88.00} from these companies. 
I live in poverty and this is wrong on so many levels. 
These folks have no morals what so ever but being poor I am judged daily. 
Who is going to Jude these thieves??
Product: Checking or savings account

The team claims to have conducted a thorough investigation, but have furnished no proof. I was sent a letter detailing notes a receptionist made in a computer so Charles Schwab has deemed my claim closed. No thorough due diligence was completed- only claims accepted by said receptionist who provided inaccurate information on a separate occasion- this was shared with Schwabs team. No proof. The team has been largely dismissive - its not an amount of a claim, its the principle that as a customer, the bank should be upheld to basic practices in a similar capacity to other XXXX XXXX, especially being under the umbrella of the FDIC and as such, the benefactor of a variety of protections said membership affords the institution. I have to wonder what Reg W and similarly related anti fraud activities Charles Schwab might be negligent in ensuring the safety of a consumers account.
Product: Mortgage

XXXX XXXX. XXXX XXXX real estate company. Guild mortgage. XX/XX/2018 i closed on my double wide mobile home. i received a fha loan. the mobile home in the real estate mls said it has a permanent foundation. It does not. there are no footers around the mobile home. no bricks or blocks. the piers under the mobile home are not mortared. i have some kind of sheeting around the bottom of the mobile home not 4 inches into the ground its cracking. my mobile makes poping noises. i am concerned about settling cracks and my floors warping due to the water under the home from the rain that flows underneath. i feel i was misrepresented by my mortgage company and my real estate company. the inspector, real estate company and guild mortgage should have seen that there was no permanent foundation done by XXXX XXXX  XXXX.
Product: Debt collection

I was looking at my credit report a few years back and saw a collection account that I was not aware of. I also started getting calls from this entity, sometimes 10 calls a day. I told them I didnt recognize this debt and I already disputed it through all of the credit reporting agencies. They said that I owe the debt and still continue to call several times a day. I have no idea what this is for and told them so.
Product: Credit reporting or other personal consumer reports

I recently looked at my Experian credit report and noticed some things are incomplete and not accurate. Account name XXXX XXXX XXXX XXXX has reported that I was late XXXX and XXXX of XXXX  which is inaccurate because I indeed paid those months. As 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 accord

ing to 15 USC 1681 5 they are suppose 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 furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are
suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$8300.00} XXXX XXXXXXXX Balance : {$17000.00}
Product: Checking or savings account

On XX/XX/year> Bank of America close my account and reported as suspected fraud, which I didnt know about. Please remove it in my report. 
Acct : : XXXX XXXX  : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fed Loan Servicing is showing a missed payment in XXXX of 2019. I was told that it was frozen prior and no payment would be due bc I was impacted by # covid19. They refuse to correct it since on my credit reports. I called by phone and have records of this. Please correct this immediately. This is for my student loans. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America closed my credit card account on XX/XX/XXXX. The account was paid off shortly after that. it has now been passed 7 years and this account still shows on my credit report. The date this account should have come off is XX/XX/XXXX I disputed this account on XX/XX/XXXX. Bank of America stated the information is correct on XX/XX/XXXX. I called Bank of America on XX/XX/XXXX. They said they can not do anything as the account is to old. Can someone help me remove this account from my credit?
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following company has unapproved inquiry on my credit report. Below are the names of the company and the dates on which I acquired the inquiry. 
XXXX XX/XX/year>
Product: Debt collection

I am writing this complaint in regards to FCO an debt collection company attempting to collect a debt from me. I have no proof or knowledge that I owe this debt. I moved out of XXXX House in XXXX of XX/XX/2013 and paid any remaining balance I owed. I believe this debt is unjust and inaccurate.
Product: Debt collection

In the process of selling my home, I discovered that a loan I thought had been discharged was actually being serviced by  ClearSpring Loan Services.  I had never received any correspondence from them in the nearly 10 years since I had m y 1st  mortgage modified. Regardless, I contacted them and they said I could settle at 50 % of the debt which came to around {$26000.00}. I raised this money within 2 days of contacting them and made arrangements and paid them. I am needing the lien released so that I can finish selling my home. It has been a month now and I still do not have the lien release. I call every single day and they tell me they ca n't give me any updates. They often telling me conflicting information such as the lien needs to be released by the original mortgage company,  XXXX . I called  XXXX  and they said they do not do the release, ClearSpring does it. It 's 100 % internal but then they will tell me they sent it to so me 3rd-party compan y to process and could take 90 days. I do n't have 90 days - I 'm trying to close on the sale of my house! I need this resolved ASAP. I have satisfied everything they asked of me and they are holding my title hostage.
Product: Checking or savings account

On XX/XX/2023, someone forged a fake check against my Fifth Third savings account for a total of {$10000.00}. We filed a dispute with Fifth Third on XX/XX/2023, after dealing with numerous other fraudulent checks against our Fifth Third accounts. The local branch told us that our dispute has been denied because we reported it too late. However, I can not find any evidence of this policy on their website, nor can a bank employee provide me with a copy of the policy, they claim for this to have disputed we had to report it 30 days after the end of the statement period. Another reason we didnt notice this immediately is because we didnt think it was possible to write a check against a savings account. I have never ordered checks for my savings account, nor would I since I also have a Fifth Third savings account. While we have been dealing with multiple accounts of fraud, several Fifth Third employees told us that somebody made 36 straight attempts to log into my account and on the 36th try they were granted access. According to the employees the account should have been locked out after 4 failed attempts. Also, when logging in online from a computer/device that isnt recognized a security code is supposed to be sent to the phone number on the account to verify the correct person is logging in. Again, that didnt happen, which resulted in my accounts being compromised. Fifth Third had committed to doing nothing to resolve this problem even though it is clearly their fault, and I am paying the price for them not taking their duty and responsibility of protecting my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Federal tax lien reports as unpaid and open I have submitted disputes with documents ( XXXX withdrawl of filed notice of federal tax lien after release XXXX to show that the lien has been withdrawn. Equifax still comes back that lein is accurately reporting which it is not
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One states they " resolved '' the issue by adjusting the current payment due on this account, but still reported the account as 30 days late to the credit bureaus. 

This is in direct violation of the CARES Act, as companies were instructed not to report any late payments during this time for borrowers who requested additional time to make payments due to loss of income. Our attorney is continuing in his filing of a class action lawsuit against Capital One for their refusal to abide by these guidelines.
Product: Consumer Loan

We never applied for credit at Pay Pal Credit! They opened up an account in my name without my approval or submission of an application! I believe that this is a fraudulent practice XXXX! I have research suggesting this is a common practice by them! I need the account closed and the credit inquiry reversed!
Product: Credit reporting, credit repair services, or other personal consumer reports

My ontime payment went through an inactive checking account on XX/XX/2017 for my XXXX XXXX that I lease from XXXX XXXX XXXX  due to automatic XXXX XXXX app on my XXXX, after I received an email from XXXX XXXX   that the payment won't go through due to inactive account status I immediately called XXXX XXXX XXXX on XX/XX/XXXX and I explain the situation, I've been told ( and they were recording this ) that there is NO need to do anything since on their end it was shown as paid! Nevertheless I offered to make a second payment on the same day using my new bank account from XXXX XXXX I've been told again from the representative that since I made the second payment I have nothing to worry about and that the second payment will cover the first payment in case that it will be returned as unpaid, I also been told that they won't reported as late payment and everything is ok. Two months after they reported my XX/XX/2017 payment as late payment which damaged severely my credit score, I blame XXXX XXXX XXXX  for incompetence for lack of knowledge and for misinformed a loyal customer that is 100 % on time with payments with all creditors and three times XXXX customer with no late payments at all. 
After sending letter to the company explaining the situation for their error I received a letter telling me that my correspondence does not provide sufficient justification to change the way that they reporting my payment history to the consumer reporting agencies and as a result of my dispute they will provide an update to credit reporting agencies reflecting the results of their investigation. I tried numerous times adfter that to speak to somebody in the credit reporting department at XXXX XXXX XXXX  and they denied it all times!
Product: Checking or savings account

I received an offer from Chase which I enrolled in on XX/XX/21 with tracking number - XXXX. Please see the uploaded attachment - XXXX XXXX XXXX. As per the offer, I can receive {$150.00} bonus for - 1 ) Settling {$1500.00} through XXXX XXXX within 90days of enrollment. 
2 ) Completing 5 Qualifying transactions within 90 days. 

I have fulfilled both the requirements - 1 ) Within 90days, I have made XXXX XXXX  transactions on XX/XX/21 for {$250.00}, XX/XX/21 for {$5.00}, and XX/XX/21 for {$1200.00} for a total of {$1500.00}. See highlighted lines on the uploaded file - XXXX XXXXXXXX XXXX 2 ) I have completed 6 Qualifying transactions within 90 days. See highlighted lines on the uploaded file - transactions.pdf So I have fulfilled all the conditions of this offer but the bank is still denying me the {$150.00} bonus. This is in spite of paying the bank {$52.00} in fees in relation to fulfilling the offer conditions ( See highlighted lines on the uploaded file XXXX XXXX XXXX XXXX  ). 

The response from the bank so far has been that - I had three qualifying transactions but they do not total the {$1500.00} to qualify. This I disagree with because as per the documentation provided by me, my transactions totaled {$1500.00}. The bank didn't tell me what is the total amount as per their calculation and how they arrived at that total. I am guessing they arrived at the total after excluding the {$52.00} transaction fees they charged me. My response to that is- the offer does not clarify whether the {$1500.00} total will exclude the transaction fees. The offer just says ''Settle {$1500.00} '' without clarifying what it means exactly ( uploaded attachment - XXXX XXXX XXXX ). To me, it looks like one must just accept {$1500.00} through XXXX XXXX ( irrespective of the fees charged ). If the bank is indeed excluding the fees for the {$1500.00} calculation, they should have clearly stated that in the offer which they haven't. By the way, these fees were retained by the bank itself. 

Ultimately, I paid the bank {$52.00} in transaction fees and got nothing in return. The bank did that by dangling a misleading promotional offer with clever words such as " Settle '' which they interpreted in a way that suited the bank best.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX