23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting this account on my credit report and i have written them as well as all 3 credit bureaus challenging the 100 % accurate reporting of this account and each time they all send back a letter saying it is verified as accurate ... how is that possible? i have pointed out the inaccuracies to them all multiple times and they still ignore it and continue to violate my consumer rights... .i have attached a copy of how its reporting on my credit report for reference ..... 

they are reporting 3 different high credit limits XXXX  reports {$950.00} XXXX  reports {$0.00} equifax reports {$910.00} they are reporting different dates of last payment on my report XXXX  and XXXX  are reporting XX/XX/XXXX equifax is reporting XX/XX/XXXX they are reporting 3 different dates of last active XXXX  reports XX/XX/XXXX XXXX  reports XX/XX/XXXX equifax reports XX/XX/XXXX i believe they are not conducting full and proper investigations as required by law ... .this reporting is not 100 % accurate at all and they are pencil whipping the responses
Product: Debt collection

I used to be a partner in a business and I set up our banking and credit card from BofA. 

We used the credit card but the business eventually failed - ultimately causing a charge-off of said credit card. This was years ago. 

Flash forward to last week - for some reason, I kept my personal account with them. In these Covid times, I made a desperate move and liquidated my IRA ( there wasn't much ) - those funds went to this BofA account. Within 48 hours, BofA swiped the entire amount and then on top of that, charged me a {$35.00} to do it. I now have absolutely nothing to pay any bills or feed my family. 

I don't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor did I authorize these credit inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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 reporting, credit repair services, or other personal consumer reports

I monitor my credit closely using FICO, XXXX, XXXX, XXXX XXXX, and XXXX XXXX. I have 0 negative late payments, 5 hard inquiries, average 24 % debt ratio, average 3+ years credit history, 0 negative reports. 
Suddenly my Equifax score on XXXX XXXX dropped XXXX points! I've researched and find nothing new. I called Equifax and they wanted to SELL me a credit report! Instead, I downloaded a free report of Equifax from XXXX. 
Again, nothing new showing why they would drop my score XXXX points. I'm close to applying for a mortgage and need this fixed. Is this a scam Equifax is doing to sell their products?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX NEVER HAD A 30 DAY LATE XX/XX/XXXX ( DURING PANDEMIC ) FALSE REPORTED CARDS WERE OFFERED EXTENDED PAY. 

NEVER HAD A 30 DAY LATE XX/XX/XXXX NEVER HAD A 60 DAY LATE XX/XX/XXXX NEVER HAD A 90 DAY LATE XX/XX/XXXX NEVER HAD A 120 DAY LATE XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to report unauthorized activities on my credit profile. I recently discovered multiple inquiries that I did not authorize, and my profile was locked without my consent. 

Upon noticing these issues, I contacted all credit bureaus, including Experian, to verify the accuracy of my information and to determine why my profile was locked. Experian informed me the profile was locked via an app, but I have no recollection of creating a membership or installing or using such an app. I have a Case number of XXXX This situation has left me concerned and anxious about potential identity theft or fraud. I kindly ask for the CFPB 's assistance in investigating these matters to ensure my consumer rights are protected, and a suitable resolution is found. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this XXXX XXXX. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Product: Payday loan, title loan, or personal loan

This company charges exorbitant fees, so I make it a point to pay it off every month to avoid fees. This month they would not let me pay it off in my usual two payments. I made the first payment and when I went to make the second payment the system wouldn't allow me to complete the payment. I received the error " This request can not be serviced at this moment. Please contact AF247 for more details. '' When I called them I received repeated canned responses with no support. They tried blaming my bank and credit union, which I proved was invalid, yet they stuck to their canned responses. This purposely causes a delay in order for them to impose their fees by PREVENTING me from making a payment. 

To clarify, the problem is not with my bank or credit union ( payments were attempted through two debit cards from different banks AND direct from my checking account on file ). This error message came up when I tried every form of payment. The problem is 100 % with AF247. The MUST release their unethical hold and allow me to pay the full amount.
Product: Credit card or prepaid card

I have an account with XXXX XXXX XXXX. I applied for the card to rebuild my credit. I have a small Account consisting of {$1500.00}. I make the full payment each month. However the last two months the Balance has been over {$1500.00}. They told me it's because I made payments over that amount however I don't know how that's possible because If I try to use the card it will either show " Denied '' or " Approved ''. 

On XX/XX/XXXX i made a payment of {$1500.00}. I was able to use the full amount of my balance {$1500.00}, however when I tried to schedule my next payment on XX/XX/XXXX it said I still owe {$68.00}  due XX/XX/XXXX from the previous month. 

They said every time i go over my alloted {$1500.00} I get reported. I extremely frustrated because of the following : 1. ) I pay my card in full each month but for some reason they with hold or not show some purchases on the card. WHich leads to confusing balance updates 2. ) Then they charge me for over charging my card, which they have t power to deny payments.

3. ) They report this behavior like its my fault they can't keep up with the purchases on my card. I get the negative hit and they make it look like its the consumers fault 4. ) in the end its their fault for not updating my purchases and payments in time.

I'd like to report them for this terrible, unethical behavior. It's bad business.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Failure to Provide 1099-C Form for Charged-Off Account with Discover I am writing to formally dispute an issue regarding a charged-off account with Discover. I have noticed that my account, [ XXXX ], was charged off by Discover, but they have not provided me with a Form 1099-C ( Cancellation of Debt ) for tax reporting purposes. 

To summarize the situation : Discover reported a charge-off on my account, which I understand to be an indication that they have considered the debt uncollectible. 
According to IRS regulations, when a debt of {$600.00} or more is cancelled, the creditor is required to issue a 1099-C form to the debtor to report the forgiven debt as taxable income.

Despite the charge-off, I have not received the required 1099-C form from Discover.

As a result of this, I am requesting that the Consumer Financial Protection Bureau assist me in resolving this matter with Discover. I believe that Discover is in violation of tax reporting requirements by failing to issue the appropriate 1099-C form. 

I have already attempted to resolve this issue directly with Discover, but I have not received a satisfactory resolution or explanation. I am now seeking your assistance to ensure that this matter is addressed in a timely and correct manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all three credit bureaus about XXXX funding acct XXXX It is reporting inaccurate information because it is a collections account and it is showing past due. A collection/debt buyer account can not show past due because they bought the account from another company. That is inaccurate and per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 or other personal consumer reports

I initially disputed multiple fraudulent accounts on my credit report, and I appreciate the credit reporting agency 's prompt response in deleting some of them. However, it has been over a month, and they have failed to remove the following fraudulent accounts : XXXX XXXX XXXX XXXX Personal Loan {$9900.00} balance XXXX XXXX XXXX XXXX XXXX {$32000.00} balance These accounts do not belong to me and were opened fraudulently. I have already provided an FTC Identity Theft Report and all required supporting documentation. Despite this, the credit reporting agency has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) by not removing these accounts within the legally required timeframe.

Specifically, they are in violation of : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires them to reinvestigate and resolve disputes within 30 days, which they have failed to do.

15 U.S.C. 1681c-2 ( a ) Mandates the immediate blocking of fraudulent information once identity theft has been properly reported.

15 U.S.C. 1681n & 1681o Provides for legal action and damages if they willfully or negligently fail to comply with FCRA requirements.

I have made multiple attempts to follow up, yet the accounts remain on my credit report, negatively impacting my credit and financial well-being. This is unacceptable and unlawful.

The credit reporting agency must immediately and permanently delete these fraudulent accounts from my report, or I will be forced to take legal action to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Source receivables management is reporting an account on my credit reports thats i do not believe belongs to me. They are refusing to send validation of this debt. By law, they are required to send validation within 30 days of my request, and they are ignoring my request. They were asked in our initial phone call and it was stated that I requested validation in my previous complaint. Source receivables told me they were unable to provide me with validation of this debt- therefore they can not report this account on my credit reports. It is against my consumer rights to refuse to validate this debt, and it is also against my consumer rights to report a debt on anyones credit report without proof that this debt belongs to them.
Product: Credit reporting or other personal consumer reports

These late payments dont accurately reflect my consistent payment history. Please remove them and update my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Product: Vehicle loan or lease

I currently have an auto loan with XXXX XXXX. I am currently 2 months behind on my payments as I have had a change in income and have been struggling. I am no longer working and have XXXX small children, also my husband is the only one working and is a XXXX veteran. I have contacted XXXX XXXX to make payment arrangements or see if there are any other options for me at this time so that I may get back on track with my loan to avoid repo of the vehicle. They have told me there is nothing that they can do for me at this time. They can make payment arrangements but the amount is still high and I am not able to pay it. I have tried a number of times to refinance the vehicle and no one will refinance due to owing more then the vehicle is worth or because the company is XXXX XXXX that the original loan is with. I am trying to work with XXXX to avoid anything further action, but they are not willing to help me out. They told me on XX/XX/2018 that I could have gotten a 6 month modification on my loan but that would have been only if I had a deferment available on the account. I was NEVER previously told this information or I would have done this for sure. They held this option from me and now I am suffering from this. I need help and I have tried to work with XXXX XXXX and they are just not willing to work with my as a customer. I will never get a loan with them again. I live every day with the fear and anxiety, stress that my vehicle that I take my kids to doctors appt and ext will be gone when I wake up and we will have no transportation.
Product: Money transfer, virtual currency, or money service

Today XX/XX/30 I tried to make a payment to a friend with XXXX. 
I received a notification that XXXX and PNC were no longer working together? And I could not make a payment from my XXXX balance.
Product: Vehicle loan or lease

I paid off my loan with Capital one Auto Finance. They have not and will not report that I have paid off the loan. I am trying to improve my credit in order to refinance my home to a lower percentage rate. Number one, I am XXXX years old, it appears that they are discriminating against me, because of my age. Not my ability to pay. Which I have proven that by paying off over {$8000.00}. When I call XXXX XXXX they say I have to write a letter to them. In this day of emails, and automation, that is counter productive to a quick resolution. I have filed a dispute with the credit bureaus. They are in the process of up dating. Capital one has not responded. 

Capital One does not waste any time in filing with the credit bureaus late payments. One day in receiving a payment, it is marked as thirty days late.

This practice of not resolving problems quickly is an abuse of their position of power over me, the consumer. It is impacting me emotionally and financially.
Product: Money transfer, virtual currency, or money service

I received an email from Paypal that a login was made into my account by an unrecognizeable device on XX/XX/XXXX. An unauthorized transaction of {$100.00} was also made before my account was closed and I could not file a dispute with Paypal because I was not able to log in. 
The transaction was made to XXXX XXXX XXXX and I have never made a purchase from that company. I also saw other complaints of the same incident happening to others involving this company and Paypal.
Product: Credit reporting or other personal consumer reports

Second Round Complaint I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XXXX XXXX XXXX XXXX XXXX  : They stated Im paying under partial agreement .Which is false .No documents or signatures. 
Dept of Ed/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account was paid off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They stated Im paying under partial agreement. Which is false. No documents or signatures. 
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  Addresses : XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Ga XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I cancelled my membership at the XXXX XXXX XXXX months ago, I paid off the remaining month and was told leaving out of there that I had no worries remaining on my account. However, fast forward a few months later and I receive a notification through my credit tracking app that a new account is in collections for {$140.00} and it is pertaining to the membership I had at XXXX  XXXX. I call the local XXXX  and am told I have been sent to collections and that they can not assist me, that I must call the collector. I called First Credit Services and they couldnt even find the information pertaining to my account, it took a floor supervisor 20 minutes to be able to pull up my information from which they could provide no dates or reason on why I owed this money. I received no notification from XXXX  XXXX about outstanding debt, if I wouldve I would have paid it immediately. I am rather surprised that this would occur, as my relationship with XXXX XXXX had been great up until then now I have a collection account that is unfairly hurting my credit score. I have no answers to why I owe this money if I had cancelled my membership, to why I wasnt contacted about this money in the first place, and to why I am suddenly in collections. I also contacted the billing agency known as XXXX XXXX  XXXX   and they declined to give me anymore information stating that it was already sent to collections. I deserved to be notified first by this billing agency per the FCRA that I owed this money prior to it going to collections, which I was not. This is a disparaging to say the least I don't know how First Credit Services can try to collect a debt that is invalid and not owed in the first place. However, their simple way of continuing to collect the debt is by saying, '' we are only a 3rd party collection agency and have no jurisdiction over the initial process between the debtor and consumer ''. It't unethical for them to behave with these business practices.
Product: Credit reporting

I have disputed a child support collection account several times with Equifax. I have no past due balance and have not had a past due balance in over year. In fact, since XXXX, I have received a small refund check each and every month for overpayment. I have provided screen shots of my account, my case workers phone number. I submitted a dispute last month and Equifax came back, removed the historical balance and indicated that I have an even greater past due balance. I do n't think they are actually even checking. I am trying to purchase a home and this is making me completely ineligible and the information is inaccurate. I filed a previous complaint through this agency and Equifax replied to you that they updated my information. They added back incorrect information. I need this corrected. I am willing to have a conference call with the child support collection agency for the state of Colorado - whatever I need to do. Can you please assist me? This is unacceptable and my rights are being violated now for nearly a year. I am following the dispute and complaint process and this is not being resolved. I have attached the results from my most recent dispute. The log in page from my current child support account status page showing that I have a XXXX and the payment history showing the refunds for overpayment each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a fraud report with XXXX for the accounts Nordstrom/TD bank, XXXX and XXXX XXXX XXXX. These accounts were charged off and placed as derogatory due to an incident of identity theft back in XX/XX/XXXX. Pursuant to Section 605b, these accounts need to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt assistance in this matter.