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

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 at XXXXXXXX XXXX I called Transunion and I talked to them for 44 mins. A Supervisor XXXX XXXX was very rude and unprofessional he told me very false and misleading information. He said no company have to follow 15 USC 6801 and 15 USC 1681 and I dont get to choose how I want my information shared and I do not have a right to privacy I have no control over that. The phone call was recorded and monitored as well from both parties. 


See attachments for letters requesting for removal!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed a copy of my personal credit reports ( XXXX, Experian and XXXX ) and have noticed numerous mistakes and inaccuracies in which I am bringing to your attention. 

I had a credit card account with XXXX XXXX, that unfortunately went into default due to a financial hardship in XXXX. I called on XX/XX/XXXX to XXXX XXXX -with the propose to resolve this debt because the account is reporting a Balance on my credit reports- I spoke with a representative named XXXX, He told me that XXXX XXXX just forgiven the debt and sent me a XXXX form, I asked if they are collecting the balance and he said is any balance owe to the XXXX XXXX and they are no longer collecting the balance. 

I verified my tax records and I received a XXXX Cancellation of Debt from XXXX XXXX, and subsequently had to pay the IRS the income tax due on the cancelled debt that XXXX XXXX reported. 

I disputed the account with the 3 credit bureaus because they are reporting a balance in my credit reports, but XXXX is not longer collecting any balance and forgive the balance of the account, so I don't see the reason why the Credit Bureaus and XXXX are reporting a Balance on the account. 

I have done research on the topic and would like to advise both the Credit Bureau that this issue has been litigated extensively, and that it has been decided numerous times by courts that it is inequitable to allow a creditor to belatedly enforce a debt after it received the tax benefit of the Charge-off, in addition to it being inequitable to require me to report this cancelled that as income on my federal tax return and face tax consequences and STILL hold me liable on the debt. Below, please see all the research I have done in my favor. 

XXXX : XXXX, XXXX, XXXX XXXX XXXX, XXXX BR XXXX, XXXX ( Bankr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( A ), 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 XX/XX/XXXX ) ( " It would be inequitable ... to require that [ Defendant ] report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt. " ). " is in direct conflict with the Internal Revenue Code and the fact that cancellation of indebtedness income is included within a debtor 's gross income. '' Id. at XXXX. The court further determined that the issuance of a Form XXXX reflects that a financial institution has, in accordance with 26 U.S.C. 6050P and 26 C.F.R. 1.6050P-1, discharged an indebtedness. Id. at XXXX. 

I have been advised that you have thirty ( 30 ) days to begin and conclude your investigative procedures. Upon completion, I request to know the name and address of the verifying source along with a description of the process you used in contacting them. Furthermore, I request that you provide me with an updated and revised copy of my credit file reflecting your correction of these errors.
Product: Credit card

Up until  XXXX   XXXX , I was paying down a balance on my AmEx card, plus paying the interest and my current charges. The month after, I noticed my balance going higher and higher. My interest rate also doubled and I am told it is because I am only paying a portion of my charges. This is untrue. Customer service refuses to help, and is even rude. I 've had my card since  XXXX  and never missed a payment. This happened 6 years ago and I thought it was straightened out. Now I really do believe they have 'creative and illegal bookkeeping practices.   Please look into this.   Thank you!
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft for the past years. There have been Fraudulent Items being reported to my Credit Report. The following account ACIMA DIGITAL FKA SIMP ( Account Number : XXXX, Date Opened : XX/XX/year>. XXXX {$400.00}. I have never had an account with this company. Cease the reporting of the fraudulent item being reporting immediately.
Product: Credit reporting or other personal consumer reports

TransUnion is refusing to remove a XXXX XXXX bankruptcy on my record from 2016 - it has been XXXX  years and they are refusing to remove it.
Product: Debt collection

I received medical care for an on duty injury. I informed the company that workers compensation accepted accepted the claim, provided them with the contact information of workers compensation and the claim/insurance number with workers compensation along with contact information for the city. They never responded back but have suddenly begun calling me 4 times a day.
Product: Mortgage

On XX/XX/XXXX was trying to get reinstated but never received the papers
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer reports and found that there are XXXX late payments listed for an account on which I was never late. Consumer reporting agencies play a critical role in ensuring that consumer information is reported with the highest level of accuracy. For the accounts mentioned in this complaint, I have attached screenshots showing that I have never missed a payment on the dates in question [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ]. I request that you investigate this matter and provide statements proving these payments were late. If such proof can not be provided, I insist that these payments be corrected to reflect that they were made on time as agreed, as I have never been late. Thank you. Please see the attached screenshots.
Product: Credit reporting or other personal consumer reports

I submitted a lot of complaints regarding my concern about the removal of the XXXX  that I have on my credit report. XXXX clearly stated that they could not locate the following XXXX  records on my file. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

Accounts with error XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ).
Product: Credit card

Today XX/XX/2024 I received 2 emails about a Chase Bank credit card. My name was attached to it but the phone number wasnt close. I didnt apply for another card. I then received an email about a hard inquiry. Ive worked hard to get my credit score. Now some XXXX is trying to XXXX it all up.
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. 

Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Money transfer, virtual currency, or money service

I had my money stolen out of my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Complaint Regarding Incorrect Reporting of a Repossession on My Credit Report Dear CFPB, I am writing to formally file a complaint against [ XXXX ] and XXXX, XXXX, and TransUnion for inaccurately reporting a repossession on my credit report, despite the fact that the debt has been forgiven and reported to the IRS. 

The debt associated with this repossession was officially forgiven on or by XX/XX/XXXX by XXXX. I also received a Form 1099-C from the creditor, which they reported to the IRS as a cancellation of debt. However, despite this, the repossession is still being reported on my credit file as an outstanding derogatory account. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and up-to-date information. Reporting a forgiven debt as still active or negatively impacting my credit profile is not only misleading but also violates my rights as a consumer. The continued reporting of this account is causing undue harm to my credit standing and financial well-being. 

I have attempted to resolve this matter by disputing the inaccurate information with both the credit bureaus and the original creditor but they have failed to correct the reporting. I am requesting the CFPB to investigate this issue and ensure that the repossession and any related negative reporting are removed from my credit report in accordance with the law.
Product: Debt collection

KLS Financial filed a debt collection with XXXX and XXXX on behalf of XXXX for a debt that belongs to a different XXXX XXXX. I called KLS Financial and told them I do not live in North Carolina, have never been to " XXXX XXXX XXXX, '' and was not born on XX/XX/XXXX. Their response was, " How do I know you're telling the truth? And we handle collections for the whole country, haven't you ever made mistakes? '' The case number with KLS is XXXX. The debt amount is {$500.00}, but the KLS person I spoke with referenced a second debt, assumably that they will be filing under my name if this misidentification issue isn't resolved.
Product: Debt collection

On XX/XX/2022, I filed a XXXX XXXX XXXX complaint - case # XXXX against : Spring Oaks Capital , LLC XXXX XXXX XXXX XXXX Va XXXX The amount of the debt I am alleged to owe is in the amount of {$670.00}, however, the proof was provided in my XXXX XXXX XXXX complaint this amount account had been paid to the original creditor and reported to XXXX Credit Bureau as paid on my credit file. In addition, I inform XXXX XXXX XXXX of this and provided the same details as I provided to the XXXX  showing that my account was paid in full with the original creditor but they continue to report and harass me via my email- which I never gave to them.
Product: Mortgage

In XXXX of XXXX we were notified that the account number on our mortgage was changing. The change they made was to add 1 " XXXX '' to the beginning of our original account number. This took effect in XX/XX/XXXX and that's when the issues began. Starting with our XX/XX/XXXX payment, our payment was received but not applied to our mortgage. We typically pay an extra $ XXXX {$400.00} each month that gets applied to principal. For XXXX this extra principal payment was also not applied to our mortgage. This continued for XXXX, XXXX, and XXXX. We called over 20 times and have spent no less than 15-20 hours trying to get this resolved and kept being told " it was being looked into and should be correct on your next statement ''. In XXXX we requested to file a formal complaint to no avail. In XXXX we filed 2 more formal complaints, and they finally started correctly applying my mortgage payment in XXXX. But, they still have not corrected the mis-application of my mortgage payments for XXXX through XXXX. When I pull up my payment history it's a confusing mess of entries that make no sense. At one point I received in the mail a packet from my lender asking if I needed to do a loan modification because they were showing that I had not made a payment for several months. I have never missed or made a late payment, and I always pay several hundred dollars extra to go towards principal. From XXXX through XXXX they were receiving my payments but not applying them to my mortgage. The principal curtailment payments I made for those months still is not showing that it has been applied correctly. Most recently, in XX/XX/XXXX I received notification that my payment was increasing almost {$300.00} a month due to an escrow shortage. When I reviewed this, I discovered that they had taken out my semi-annual escrow payment twice in XXXX of XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ). When I called my insurance company to point this out, they sent me confirmation that they had only received one of these XXXX disbursements not two. Once again we called our mortgage company and asked them to fix this. They said " we will look into it and it should be fixed by your next statement ''. It wasn't. I filed another formal complaint requesting for the 4th time for this to be escalated and for someone to call me. In the past 4 months I have never received a call from anybody trying to help me resolve any of the issues I've complained about. If this new escrow issue is not fixed then my payment will go up by almost {$300.00} which will then affect the extra money I pay every month that should go towards the principal. This is unacceptable. I am attaching a transaction history of my payments going back to XX/XX/XXXX. You should be able to see everything I have described in my complaint. I will also try to attach the previous email complaints I have sent requesting help and a call back. After numerous attempts to resolve this and dozens of hours spent on the phone with no resolution, I feel I have no choice but to enlist your help with this matter.
Product: Debt collection

Transworld Systems continues to call us on a medical debt that the source hospital says does not exist. We have been demanding a validation of this debt for three years and have HAVE NOT received any validation yet the company continues to call us even while admitting to us that the account is in dispute. The process is always circular, the calls are non stop, and we cant get any validation or resolution regardless of what we do or say so we need intervention. 

Thanks.
Product: Mortgage

I was approved for the COVID forbearance by Dovenmuehle in XXXX of XXXX for payments of XX/XX/XXXX to XX/XX/XXXX. The first repayment was supposed to be XX/XX/XXXX with the months of forbearance tacked on to the end of the loan. XXXX came around and I had to call to make a payment. My account had not been updated to reflect my new payments so customer service decided it was best I make the usual payments I was making before the forbearance. I repeated this process from then until now, XX/XX/XXXX. The first 3 months when I called to pay I inquired about the end of my forbearance and I was told each time that underwriting would send me papers with options to sign and send back. I still have yet to receive those papers. Fast forward to today, XX/XX/XXXX, I called to make my same payment and I am unable to get through to anybody to make that payment. I logged on to my online account and I am unable to make any kind of payment. The company, Dovenmuehle, has been keeping me in the dark for a while now and I am not sure what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Kohls credit card because it is advertised on their site that you can PREQUALIFY WITH NO IMPACT TO YOUR CREDIT SCORE. I was declined, and I received a notice from XXXX that a hard inquiry was taken on XX/XX/2022 from Kohls/Capital One. I called XXXX and they stated that only Kohls can remove the inquiry. I called Kohls and they said that they will not remove the inquiry. I believe this is fraudulent on the part of Kohls and unscrupulous. I would never have applied if I knew it was going to be a hard inquiry. I have a screenshot of the website where it says there will be not impact to the credit score. Kohls told me initially ( XXXX different people ) that it doesnt say that!! At this point, XXXX and Kohls are passing me back and forth and I am working on my credit and Im left holding a hard inquiry. Totally wrong.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update
Product: Vehicle loan or lease

Wells Fargo auto and XXXX XXXX XXXX violated me consumer rights according to 15 U.S Code 1605, 15 U.S Code 1662, and 15 U.S Code 1635.
Product: Debt collection

Velocity Investments contacted my spouse after finding his number through alternative sources. They would leave messages on both of our phones like 'Good afternoon. My name is 'collector ' and I am contacting you in attempt to confirm location information for 'my name '. '' On several occasions 'collector ' spoke to my spouse. One time I spoke with on my partners phone with my partner in the room, not hiding anything from him, but not giving her permission to speak to him. On Monday, XX/XX/XXXX, 'collector ' spoke confirming I have a debt with their agency, who the debt was with originally and that I had not set up payment arrangements. Even after being asked to not discuss anything with him, she kept calling him at all times of the day and night. I spoke today with the company and I demanded they remove his number from their system. I also was told that it is ok for them to talk about your account information with spouse and family members. I asked for information on their company 's policy and I was told I would have to talk to a supervisor who conveniently was in a meeting. I am not a happy person right now.
Product: Credit reporting or other personal consumer reports

I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached )
Product: Checking or savings account

I use the online bill pay service from the bank. However, for three different credit card bills, they sent the payment a day late, resulting in late fees and interest charges in all three credit card accounts. When I tried to resolve this with the bank, they took my information and said they would investigate it. It has been over 120 days since filing for an investigation, and the bank has no record of the investigation upon calling them. I have spoken with customer service over the phone multiple times as well as with people from the branch at XXXX and XXXX XXXX XXXX all to no avail.
Product: Credit card or prepaid card

Timeline XX/XX/2018 ( approximately ) On my mobile phone I receive an alert from Discover Card that a balance transfer offer is available to me. I click on a link that opens the Discover Card application on my ( XXXX  ) phone where I see at a glance that a balance transfer offer is available to me on the following terms : 0 % interest for 9 months 3 % transfer fee In reliance on this offer I decide to pay off my Discover Card balance so that I can use the offer to the maximum extent up to my Discover Card credit limit. Using my bank 's mobile banking application I schedule a payment that will cover the balance on my Discover Card. 

XX/XX/2018 ( approximately ) Seeking to initiate a balance transfer I log into the Discover Card application on my mobile phone but I am unable to do so because at this time no offers are available. Apparently the original offer has been revoked, which is surprising to me because in my experience balance transfer offers are generally available for at least 30 days. There is no " alert '' history in the Discover Card app and no indication that the balance transfer had ever been made. 

XX/XX/2018 XXXX XXXX  EST I call the customer service phone number that is printed on the back of my Discover Card and I speak with an agent named XXXX. He says that there is no record of the recent balance transfer offer. XXXX transfers me to a manager who again tells me that she sees no record of any recent balance transfer offers. She says that on occasion Discover will make balance transfer offers that are only available for " one day '' or a " limited time '' but according to the manager, these short term offers are always visible in a customer 's account history. Apparently I am the first person this manager has ever known who received a balance transfer offer that was not logged into account history. I explain to the manager that I am angry because it seems Discover Card induced me to pay off my balance with the offer and once I did, they revoked the offer. The manager offers to log my complaint internally but is unable to offer any other resolution and is not able to provide a confirmation number that will be associated with my complaint. 

For consumers such as myself it is always a challenge to manage cash flow and available credit in a rational way. Discover Card 's apparent practice of offering a balance transfer and then revoking it without a trace is a type of deception that might subject them to civil and/or criminal liability as it has the effect of depriving their customers of the ability to manage their finances rationally.