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

This is a follow-up to a complaint made on XX/XX/XXXX concerning XXXX XXXX, XXXX XXXX, Portfolio Recovery Associates, XXXX, and XXXX XXXX. I provided documents showing that I had a credit account with XXXX XXXX and another account with XXXX that was used to shield my bank accounts and/or other credit cards. Neither XXXX account involved a physical credit card ever. A credit card was never issued to me. XXXX XXXX wrote to advise me on XX/XX/XXXX, that it would become the owner of my XXXX XXXX account as of XX/XX/XXXX. I was unconcerned about that action because I had paid my XXXX XXXX account in full as of XX/XX/XXXX and did not intend to use it for anything more. I started getting billed in XX/XX/XXXX for XXXX rides that I had not charged. XXXX always served as a pass-through agent to retrieve funds from my bank account to pay any vendor. XXXX XXXX did not provide records of those transactions done before XX/XX/XXXX and chose to address both accounts as if they were singular. XXXX needs to address how the accounts became morphed into a single account. XXXX XXXX responded to my complaint by providing information to my XXXX XXXX account # XXXX. My complaint is about XXXX account number XXXX. XXXX attached copies of billings to the XXXX account, which was used for credit and was paid in total XX/XX/XXXX. However, as I complained before, the account ending XXXX was not a credit account and the funds came directly from my bank. XXXX did not clarify why they sent a letter to me on XX/XX/XXXX, stating the XXXX XXXX account would be funded by them, instead of XXXX XXXX, as of XX/XX/XXXX. Portfolio Recovery Associates claim to have bought the XXXX account, but XXXX XXXX claimed to have sold account # XXXX. There were two accounts : one was credit and one was a transfer agency account that was paid by my bank through XXXX. XXXX XXXX  explanation is woefully inadequate and needs further investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX Employer : XXXX Addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Employers : XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 Name : XXXX XXXX Employer : XXXX Addresses : XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

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. 
Here are the follwing Accounts : XXXX  XXXX  Acct : XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXXXXXX  Acct : XXXX XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXXcct : XXXX XXXX XXXX Acct : XXXX XXXX  Acct : XXXX XXXX XXXX  Acct : XXXX XXXX XXXX XXXX Acct : XXXX This one is reporting 3 times on my report should only be reporting onces. 
XXXX XXXX Acct : XXXX XXXX  Acct : XXXX XXXX  Acct : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance to Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission, which I have attached to this complaint, which was sent with my original letter sent to your company, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Product: Student loan

I submitted my student loan consolidation and SAVE IDR enrollment applications at XXXX in XX/XX/XXXX with a balance of around {$21000.00}. After weeks of delay and hours spent on the phone with Nelnet trying to resolve their system errors and conflicting amounts, they finally consolidated the loans a month later after racking up hundreds more in interest. 

Nelnet stated the XXXX XXXX would be applied within 180 days ( 6 months! ). In XX/XX/XXXX I received an email from Nelnet stating my account was in forbearance due to pending XXXX XXXX processing. However a month later in XXXX, when I checked the status of the XXXX XXXX on nelnet.com, it said my account was now in Standard Repayment with no history of a pending IDR. 

Once again I spent hours on the phone with Nelnet to be told that someone at Nelnet actually " cancelled '' my XXXX application internally in XX/XX/XXXX instead of processing it. They wouldn't release any information on who, how, or why this action was taken. However, studentaid.gov, the actual originator of the application, shows the application is not actually cancelled but is still pending. Nelnet refuses to process this application stating I need to initiate a new " verbal application '' with them via the phone and start the whole process over again. 

Meanwhile my student loan balance continues to increase by hundreds of dollars with payments due this month in XX/XX/XXXX.
Product: Credit reporting

Equifax has reported XXXX account as opened XXXX That the date of first delinquency is XXXX That as of XXXX a balance of {$340.00} is charged off. 
This reporting is incorrect, inaccurate and not correct under the Fair Credit Reporting Act. 

Dispute is as follows : 1 ) XXXX has refused to validate the debt with a signed contract or application. 
They are concerned that if the account is not mine. They would have disclosed private credit files without permission of proper XXXX XXXX. 
There are at least XXXX XXXX or XXXX or XXXX or XXXX XXXX living on the XXXX XXXX of United States. 

2 ) Equifax reports the account opened XXXX but if you look at the statement from XXXX ( copy attached to this complaint ) The opening date is XXXX 3 ) Equifax reports the XXXX delinquency as XXXX but if you look at the statement from Southern Maryland Electric Coop ( copy attached to this complaint ) The date of first delinquency is XXXX. 
Furthermore, the account was late from XXXX to XXXX each and every month incurring a late charge. But Equifax has failed to report any of the late payments accurately. 

By deleting the early late payments, Equifax and XXXX could continue to report at the credit bureau past the 7 year statute of limitations from first delinquency date. As commanded in the Fair Credit Reporting Act. Called inaccurate reporting and Re-aging.
Product: Mortgage

XX/XX/2020 {$310000.00} We applied for a refinance after being told by this company rep to go with the higher interest and assured us they could refinance the loan. Now they denied us now we are trapped in this high interest loan with which we would not have taken if we were not assured that they could get us approved. Now there are not even responding. They had us paying for the home inspection and never even provided the report.
Product: Payday loan, title loan, or personal loan

I purchased a XXXX XXXX XXXX XXXX King size, XXXX XXXX BASE and TOTAL PROTECTION MATTRESS BED on XX/XX/XXXX at a XXXX XXXX store located in XXXX XXXX XXXX  XXXX XXXX in XXXX, PA. Total purchase value was {$8700.00}. 

XXXX XXXX, the salesperson at the XXXX XXXX store was helpful and knowledgeable. I had already decided to purchase a XXXX XXXX XXXX and planned to pay in full. Once I decided on the model, XXXX aggressively promoted a Deferred Interest Promotion ; no interest charges if the promotional purchase balance was paid in full by the Promotional Expiration Date of XX/XX/XXXX. 

I have been in XXXX and XXXX my entire career ( +35 years ). I appreciated XXXX persistence and was sure he earns some level of commission on a sale and/or promotional sales campaigns. I decided to help him out and finance a nominal amount of {$1300.00} ; I made a down payment of {$7400.00}. I know these type of financing promotions target low to mid-income customers to entice them to purchase. 

I then setup an automatic payment to pay the minimum amount of {$37.00} over 3 years and not worry about it. I pay all of my monthly recurring bills through automatic payment from my bank or through the Payees website. I started seeing late payment fees and interest charges because the draft was not occurring on or before the exact due date, which was happening around a weekend where the payment does not hit on weekend day. Timing. I spoke to representatives at Synchrony Bank who were clearly trained to stick to a script. They were not understanding or helpful at all, not necessarily their fault. The customer had become Synchrony Bank, XXXX XXXX XXXX third-party financing arm. 

Long story short, I came to realize that my credit score was dramatically lowered when co-signing on a car loan for my son. XXXX XXXX score dropped to XXXX ( Fair ) which I was shocked by. The auto dealer quoted me a finance rate of over 18 % due to my credit! I paid for the car in full. 

In hindsight, I wish I never agreed to sign up for their Promotional Purchase. I have always had a very good credit rating. When I read the fine print on Synchronys statement, it reads : To avoid paying Deferred Interest Charges on these promotion ( s ), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date of XX/XX/XXXX. 

I paid {$710.00} on XX/XX/XXXX which was the remaining applicable balance on the financed amount ( without late charges and interest charges ). I thought I honored the fine print but Synchrony continued to assess charges on my account. I then paid the balance in full including {$610.00} in interest and late charges. 

I am not asking to have the interest and late charges waived. I am respectfully asking that XXXX XXXX and Synchrony Bank please remove any derogatory information from my credit report caused by this situation. 

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

I can't dispute inquiries made on my credit report without my consent below are two inquiries that appeared on my credit report that tried to dispute with transunion. i did not make this inquires and transunion refuse to help. Can dispute this Inquiries by phone or online. 

Inquires in questioned XXXX/XXXX XX/XX/2020 XXXX/XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had several cards with Capitalone. I have a credit card with them that begins in XXXX. This account was opened on XX/XX/1992. There have been making changes with this GMCard or XXXX  card. I have never been late until one time this year which I believe is the company problem. I have always had my auto payment on but when the company made changes it was turned off or removed. I never received a notice that I owed on this account since I did not make a charge of this account. I believe the charge is a charge for having the account. I have not been able to access this account on line and have been in touch with the company. They claim their going to mail me a form but I have never received it. Based on all of the changes and never being late in over 20 years I want the company to remove the late payment from the credit agency. When I called in the representative at the company agreed to put my automatic payment back on. 

I could not pay for something that Iwas not notified about
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 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 a account without my written instructions
Product: Debt collection

On Friday XX/XX/2020 I received my first notice from Kebridge Medical Revenue Care regarding a debt I owed in the amount of {$40.00} dollars. This is the first notice received from this company, I immediately went to their website and paid them {$40.00} dollars to clear the debt. On Saturday XX/XX/2020 I received a notice from XXXX   XXXX XXXX that they have reported TWO debts to my credit report. One debt in the amount of {$40.00}, another in the amount of {$20.00}. I was unable to call Keybridge until Monday XX/XX/XXXX because they were closed over the weekend. 

On Monday XX/XX/2020 I called Keybridge around XXXX and told them I was calling to clear up the accounts they held in their office so that I could get them removed from the credit report. The account representative named XXXX advised me that I had a total balance of {$110.00} due in their office and this included a balance of {$28.00} dollars that my wife had owed as well. 

They suggested I was responsible for my wife 's debt and asked me to pay it, at no time did they give me any opportunity to dispute the debt, and at no time did they tell me that I was NOT responsible for my wife 's debt. I again stated that I wanted to get it cleared up immediately because I was unaware of any debt at this time. I only received one notice for {$40.00} dollars. 

Over a 3 day period, despite only receiving one notice for {$40.00} due, I paid a total of {$150.00}. After the payment was processed, I asked for this to be removed from my credit report. They refused to remove this, they stated that it would be updated to reflect the account was paid in full. I asked them to please have it removed and they refused to do so. They claim they are not permitted to remove the debt due to a federal statute but I believe this to be incorrect. I believe they are attempting to ruin my credit for a minor oversight. The representative transferred me to her supervisor ( I did not write down the name ) and the supervisor told me the same thing that I KNOW to be false. They both stated that they are not permitted to remove this from my credit report. I know this is 100 % false, they do have the power and are refusing to do so. 

They did not provide me any notice on debt owed over the initial {$40.00} payment due, they led me to believe that I was responsible for my wife 's debt owed as well. They are refusing to remove a PAID Collection account from my credit report. I believe they are engaging in unfair, deceptive, and unethical business practices and would like this company investigated and my credit cleared immediately.
Product: Checking or savings account

XXXX XXXX XXXX put me in the CHEXSYSTEM due to SUSPECTED FRAUD. So I got my Chex system report and it says that I deposited counterfeit checks. In the amount of {$990.00}, {$880.00}, {$920.00}, {$890.00} and XXXX. I have reached out to both CHEXSYSTEMS and XXXX  XXXX XXXX TO FIX THIS PROBLEM. I have asked countless number of times to launch a thorough investigation into this case of SUSPECTED FRAUD and COUNTERFEIT CHECKS. I have asked asked for proof and evidence but still they will not take me out of the CHEXSYSTEMS data base. The reason this is so stressful is because of this CHEXSYSTEMS report by XXXX XXXX XXXX I can not open up any checking accounts at any other financial institutions. I feel like I am being taken advantage of because the XXXX of my skin. Im a young XXXX man that cant open up a bank account due this report. I have sent them complaints several times! 

I NEVER COMMITTED TO ANY OF THERE FALSE ACCUSATIONS AND THEY CANT EVEN DO ME THE CURTSEY OF A FAIR THOROUGH INVESTIGATION THAT PROVES THAT I DID THIS.!
Product: Debt collection

I got a collection from debt recovery solutions. I have asked that they provide proof that I owe the debt over 30 days ago and was told I was going to get it. Never got proof for the XXXX dollar debt. They have not taken it off my credit report either. It needs to come off my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Inaccurate Credit Reporting by XXXX XXXX  XXXX Account Number : XXXX ) Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off account on my credit reports by XXXX XXXX. The details of the account in question are as follows : - Account Number : XXXX - Account Type : Revolving ( Credit Card ) - Original Creditor : XXXX XXXX XXXX XXXXXXXX : {$5400.00} - Date Opened : XX/XX/year> - Payment Status : Collection/Chargeoff The issues with this account are as follows : XXXX. **Continuous Reporting of Charge-off : ** The account has been reported as a charge-off every month for the past three years. According to IRS guidelines, an unpaid charge-off is considered income and should not be repeatedly reported in this manner. The continuous monthly reporting of this charge-off is misleading and does not accurately reflect the true status of the debt.

2. **Sale of Debt : ** The debt associated with this account has been sold to another company. The original creditor should have updated the account status to indicate this change. Reporting the debt as an active charge-off after it has been sold is inaccurate and misleading. 

3. **Issuance of Form 1099-C : ** I have requested a Form 1099-C from the original creditor, which should have been issued to indicate the cancellation of the debt. The absence of this form suggests that the debt should no longer be reported as active. 

The Fair Credit Reporting Act ( FCRA ) requires that all information reported on my credit report must be accurate. Continuously reporting this debt as a charge-off while it has been sold to another company and should be recognized as canceled debt is a violation of the FCRA. 

I have previously disputed this matter with the credit bureaus ( TransUnion, XXXX, and XXXX ) and the original creditor, but the issue remains unresolved. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that my credit reports are corrected to reflect accurate information. 

Please find attached copies of relevant documentation, including my communications with the original creditor and the credit bureaus. 

I request that the CFPB intervenes to have this inaccurate charge-off removed from my credit reports promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX