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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Balance : {$3700.00} Date Opened : XX/XX/XXXX and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

These inquiries are a result of identity theft I have filed police report and ftc report when I noticed.i provided documentation to credit bureau and they still have not removed. I was a bit Im of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted four disputes in the last two month to transunion. XXXX XXXX is a debt collector thats been on my credit report fraudulently. I have my discharge paperwork from the courts that show this matter is closed and due to a chapter XXXX bankruptcy petition and closure.
Product: Credit reporting or other personal consumer reports

Complaint Description : I am filing a formal complaint against Axos Bank regarding their inaccurate credit reporting practices for my auto loan account # XXXX. The vehicle associated with this account was voluntarily surrendered on XX/XX/XXXX, yet Axos Bank has continued to report late payments through XXXX and XXXX, which is factually inaccurate and misleading. 

Additionally, Axos Bank has failed to issue a 1099-C form for this account, despite the account being charged off. This failure to issue a 1099-C form raises concerns about potential double recovery and non-compliance with IRS reporting requirements.

I have submitted an IRS Form 3949-A to report this potential tax fraud, and I request that the CFPB investigate Axos Banks credit reporting practices and ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

This document outlines the discrepancies and inaccuracies in Axos Banks reporting of my auto loan account # XXXX to the credit bureaus, as well as the concerns raised regarding Axos Banks compliance with federal reporting requirements.

1. Inaccurate Late Payment Reporting : Axos Bank has continued to report late payments on my auto loan account through XXXX and XXXX, despite the vehicle being voluntarily surrendered on XX/XX/XXXX. This ongoing late payment reporting is inaccurate and misleading. 

Example : XXXX reports late payments in XXXX and XXXX. 
XXXX reports late payments in XXXX and XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), furnishers of credit information must ensure that all reported information is accurate and complete. Axos Banks continued reporting of late payments after the vehicle was surrendered violates this requirement. 

XXXX. Discrepancies in Account Balances : There are discrepancies in the account balances reported to the credit bureaus : XXXX XXXX : {$14000.00} XXXX Balance : {$14000.00} These inconsistencies indicate that Axos Bank may not be providing accurate and consistent information to the credit bureaus. Furthermore, it raises concerns about whether Axos Bank has correctly reported the charge-off amount to the IRS. 

3. Failure to Issue a 1099-C Form : Axos Bank has not issued a 1099-C Cancellation of Debt form for the charged-off balance. This raises concerns about potential tax fraud and double recovery. If Axos Bank claimed a tax deduction for the charge-off without issuing a 1099-C form, they may have violated federal tax laws.

4. Conclusion : The inconsistencies in Axos Banks reporting have caused significant harm to my credit profile and financial well-being. I have submitted a formal complaint to the IRS regarding Axos Banks potential tax fraud, and I request that the Consumer Financial Protection Bureau ( CFPB ) investigate Axos Banks reporting practices to ensure compliance with federal regulations.
Product: Credit reporting or other personal consumer reports

Refused to remove or update error on credit report, credit that is such as negative items that are 7-10 years old. Which the statue of limitation has played out they have refused to delete the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for VALIDATION, NOT Verification XXXX XXXX XXXX, 2021 XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
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 I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices.

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX . Acct # XXXX Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX Acct # XXXX Name : XXXX XXXX Acct # XXXX Name : XXXX XXXXXXXX Acct # XXXX Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX Acct # XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies XXXX XXXX XXXX XX/XX/1989
Product: Credit card or prepaid card

I am the account owner and have had American Express for over 5 years now with no late payments whatsoever. I have had an authorized user, XXXX XXXX for over 3 years who also has used the card and made on time payments. 

Starting XX/XX/2020, my authorized user XXXX started noticing their card declining for simple purchases at XXXX XXXX or big ones from XXXX. 

I contacted customer service early XXXX, I was told XXXX ' authorized account might be under review, I contacted the number XXXX and customer care said there's no such thing on our account and everything looks great! 

However his card is still declining and there's conflict of info as some say our " balance '' is too high ( currently only {$2500.00} when we spend over {$6000.00} a month!! ), some say its an account review issue.
Product: Debt collection

I'm being contacted by mail by Transworld Systems Inc. and by another company via email I'm regards to a XXXX XXXX  account that does not belong to me. I have never had service with XXXX and must be a victim of identity fraud. I emailed the company trying to collect the debt because I don't have XXXX XXXX.
Product: Debt collection

I have a debt for Target of {$2400.00}. I reached out to Target several occasions to verify transactions. Target never responded. I worked out plan with Target to pay off debt, and Target never reached out to me with no calls no emails, nothing stating that they were w3illing to work out anything. Received summons Index No XXXX from XXXX XXXX XXXX, XXXX Attorneys for Plaintiff. XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I never received any notification from any parties that a suit will be filed against me. No calls, no emails, nothing in writing. I want to file a complaint against the law3 firm for using these scare tactics. Also I was never handed a paper. The summons was placed on the door of my neighbors home.
Product: Checking or savings account

I was never notified by bank of america of the data breach from XX/XX/XXXX. My debit card XXXX was hacked XX/XX/XXXX. Bank Close debit card representative hung up on me. Called back had to enter a Different debit card number XXXX to get through. Explained to the representative what had just happened. He proceeded with more information and to get me out my new card.However he also closed the card ending XXXX in error. I get my 2 new cards out in the mail.A few days later with the wrong name on them. I get the replacement cards a few days later corrected. On XX/XX/XXXX My bank of america credit card limit was drastically reduced, No warning no ladder putting me over my limit impacting my credit. I have never been late one single day on this credit card.I have been a customer of this bank since XXXX that is XXXX  years! .I retired from BOA.. I do believe the two incidences had something to do with each other. I feel like. 
Due to the data breach they went in and lowered my credit limit on my credit card to minimize their risk, Also, noting.I was a XXXX  citizen and I feel age discrimination also came in to play With this decision. Multiple conversations phone calls.Letters emails went back to them. I got some lame response from a customer service representative today. With a generic reason they lowered my credit limit on my credit card. I did advise of my concerns. Which fell on deaf ears. I was not advised of the data breach Until I heard it from someone else. I'm questioning the integrity of this decision. I think they have filled me as a consumer but not notifying me Of said breach. This is calls me undue stress XXXX  and a missed day of work after my card was declined at a store, Knowing I had just paid over a XXXX dollars on the credit card. Concerned about using the debit cards due to the data breach. But it seems they don't want to be held accountable for this action. This is not based on any credit history. I currently have I immediately pulled my credit report and there is nothing there to warrant this action as a XXXX  year. Customer with no issues. Use with this bank deposit. XXXX XXXX, XXXX XXXX XXXX, only they're dishonesty. Or miss information and neglect and notifying me that they breached my information XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a personal college loan through XXXX in NJ. I usually make my monthly payments via credit card. On XX/XX/18 I tried connecting my checking account to the portal to pay via my checking account because I was being charged a fee every time I used my credit card. I follow the video they direct me to, I link my checking account, and I submit the payment for that month via my checking account. A few weeks to a month later I get a notice in the mail that my loan payment is late and that I am delinquent. 

I log on to the XXXX  to find that my checking account payment had been bounced back. I immediately file a claim with XXXX and petition to have the delinquency removed since I was unaware my payment bounced back. This was also my first late payment so they removed the delinquency and made my account current. 

But my credit score has not improved since they made my account current. It was above 700 before all this, but now it is around 650. How can I inform the credit agency to have my score go back to what it was prior to this incident?
Product: Mortgage

On XX/XX/XXXX a representative from Bayview Loan Servicing called me and asked if I wanted another 90 day forbearance added to the one that I had and I said yes and she stated that a letter to confirm would be sent under the Cares Act.As of XX/XX/XXXX I have never received such letter and I called and talked with someone there I believe there name was XXXX and she said that she could not find anything and that this law did not apply to my account just like the XXXX XXXX has no clue that when a property in XXXX County is titled in Joint Tenancy that you do not need to probate they are breaking Federal Law and this seems to happen all the time. If you read Colorado Law since the Joint tenancy gives you the right to survivorship and I guess Bayview is to XXXX  that being the XXXX XXXX XXXX my father and myself are both the owners which the lawyers will point out.
Product: Checking or savings account

on the XX/XX/2021 Bank Of America charged me 3 overdraft fees on items that I already paid for days prior, their excuse is that the merchant just came in to collect the funds that was promise to them. My concerns is that when I made these purchases the funds were available on that day and they were subtracted form my checking account on the day of the purchase in other words they were reserved for the merchant if the merchant came to collect their funds a week or a year later, if the funds were already subtracted on the day of the purchase ( my account was already charged and my new available balance reflected the purchase on the day of the purchase ) why am I paying overdraft fees on things that I already paid for? there's plenty of law suit on these matter I guess BofA just doesn't learn. I have uploaded a screenshot that clearly shows that after my purchases were done i still had an available balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are fraudulent on credit account XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX   is fraudulent on my credit Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a USAA credit card loan and balance on my credit report that is not me. I filed a report With USAA and XXXX for fraud and identity theft. I contacted USAA on XX/XX/2022. I contacted XXXX a few days later and they froze my credit report and social security number. I contacted XXXX XXXX on XX/XX/2022 and they deactivated my credit card. The credit card loan balance is {$14000.00} and it is not from me. There is an address on file for my credit report that is not me. The address is from XXXX XXXX and it is not XXXX of my addresses.
Product: Debt collection

Repeated unwanted robocalls to government work number where several people have access. This message indicates the call is regarding debt collection " This is an important message from Transworld Systems Incorporated, a debt collection company. This is an attempt to collect a debt, and any information obtained will be used for that purpose ... ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The account mentioned in the attachments from XXXX XXXX XXXX XXXX is listed as a Charge off when the account was actually paid in full by the consumer. The account numbers listed on the credit reports are inaccurate, and was called valid after investigation. The payment details are inaccurate and XXXX is the only credit reporting agency who has continued to re-age the account through its reporting since the account was paid and closed in XX/XX/2018.
Product: Student loan

I requested an economic hardship forbearance that was approved initially. Still made a small payment after, between XX/XX/XXXX &XX/XX/XXXX Navient added remarks to my credit report that I was affected by a natural disaster & it cause my credit score to drop 20 points ( I have not been affected by a natural disaster in any way ). Called customer service & was told that they were removing the forbearance, but it wouldn't be updated until the end of the month & also my account would be marked as delinquent. I'm in the process of trying to buy a home and I have to suffer for their error.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute two late payments reported on my credit reports by the Credit Reporting Agencies ( CRAs ). These late payments are inaccurately reflected in my credit history, and I request an immediate investigation and correction of these errors pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

The details of the disputed accounts are as follows : XXXX. Creditor Name XXXX XXXX XXXX XXXX Account Number : XXXX Date of Alleged Late Payment : XXXX XXXX XXXX  Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Alleged Late Payment : XX/XX/2024 According to the FCRA, specifically 15 U.S.C. 1681i, the CRAs are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Additionally, 15 U.S.C. 1681s-2 obligates furnishers of information to report accurate information to the CRAs and to correct any inaccuracies they discover.

I have reviewed my records carefully and have found that the information reported by the CRAs regarding the above-referenced accounts is incorrect. I have never been late on these accounts, and I have enclosed copies of my payment records as evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Experian Consumer Opt-Out XXXX XXXX XXXX XXXX XXXX Tx XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is being written to dispute the account, which I have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency/creditor on several occasions as well, and they have yet to respond to my dispute, therefore, your company could not have reached them concerning this debt. Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well as verify it's accuracy. If the account can not be verified, your company must delete the account from my credit report. If you can't show proof that you have verified this debt and you continue to list this item on my report, I am prepared to sue your company under the Fair Credit Reporting Act. 

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

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$220.00} XXXX XXXX XXXX {$0.00} XXXX XXXX   XXXX {$680.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00}
Product: Prepaid card

I have been trying to use my Amex e-card gift card online for the past several months. I have talk to the customer service reps and used your web site to try to resolve this problem. Telling me to find a retailer who accepts this card was your advice. What a joke! No one takes it. XXXX, XXXX, XXXX XXXX, and many more declined it. I was issued this card as a refund from a warranty on a product. I would like a total refund of my XXXX plus dollars. This is down right theft as I can not use the e-card issued.