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

This is your accountability Telecheck : I receive emergency hardship checks from the XXXX District of which I applied for the funds & AGAIN XXXX with Telecheck has again declined another check. WHY???? 
Previous communications with XXXX corporate from last years checkbelow HOWEVER due to this recent " blacklisted '' XXXX  checking account from XXXX employee ( s ) with Telecheck check cashing database the XXXX   checking account is " blacklisted '' punished by XXXX. I told her XXXX she decided she's going to make sure that NO XXXX checks are no longer good at any XXXX that she would have to go over XXXX Federally Recognized XXXX to do her endeavors. 
XXXX response : we're not allowed to change the status of a check regardless of being accused of fraud or cashing illegally, we're not allowed to change the status of the checking account or to call Telecheck to do so for anything. XXXX DOES NOT take/accept " cashier 's checks ''. ( THIS IS NOT A CASHIERS CHECK! ) ... while I still sit out here waiting for XXXX to contact Telecheck in regards to ALL of this & no toilet paper or toothpaste for me in this waiting process to be repaired IMMEDIATELY. I as a Consumer/Customer still in decision of filing Federal complaints with some federal agencies because the Company/Corporate has an employee ( s ) as such who can utterly destroy things for us XXXX  ( federally ) & somewhere in this I'm am also hoping that part of the XXXX  will file for their Right to Know why XXXX as a merchant will not accept their checks in violation of federal Laws. ( FCRA ). 
... With her XXXX employee decision ( XXXX, NM is the busiest XXXX in the Country-hopefully the store will close down now ) thanks to XXXX employees unethical, unprofessional, illegal misconduct ... My XXXX is now " blacklisted '' ostracized from utilizing other merchants with their checks via Telecheck & XXXX XXXX. 
WHEN THE DISTRICT OF MY XXXX WHO ISSUES THESE CHECKS FOR ME CONTACT TELECHECK YOU TELECHECK DO NOT TELL THEM WHAT NEEDS TO BE FIXED & FOR ME HERE IN XXXX ITS VERY DIFFICULT WITH YOUR ILLEGAL GAMES TO PLAY. I'M XXXX OUT HERE & THE FUNDS ASSIST ME WITH FOOD & NECESSITIES BY PUTTING THE FUNDS MADE PAYABLE TO XXXX ON A GIFT CARD DUE TO NOT HAVING WHAT CRIMINAL XXXX & TELECHECK EMPLOYEES OTHERWISE SO STATE. SHOULD THE DISTRICT NEED TO GO TO XXXX FOR OFFICE SUPPLIES-WHAT DO YOU TELL THEM ABOUT NOT BEING ABLE TO USE THE CHECKS TO PURCHASE SUCH THINGS AT XXXX? THIS YEARS CHECK IS FROM ELDERLY FUNDS INDICATING NOW I AM AN ELDER/SENIOR CITIZEN. I'M GOING TO FILE A CFPB AS WELL AS A FCRA COMPLAINT. I DID NOT BRING THE CHECK OR THE INFORMATION PAPER PRINTED WHILE THE CHECK WAS DECLINED BY BOTH XXXX & TELECHECK.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Credit card

Since XX/XX/XXXX XXXX has been charging me a $ XXXX monthly charge. I disputed this charge with my Apple Card every month and finally on XX/XX/XXXX I received 5 out of the 10 charges refunded. I contacted experian and they said they have no record of my social security number being used to create an account. Apple Card said the only way they could help me resolve this is to close my whole credit account with them and pay off the debt. The only resolution XXXX XXXX Apple card gave me was to close my {$4500.00} credit limit account when I have {$2800.00} credit spent on it. That is severely damaging to my credit score. Instead of trying to come to a resolution with XXXX, XXXX XXXX Apple Card attacked the customer. XXXX denied all charges on my account, but Apple Card insisted they remain and I pay this monthly charge every month until I decide to close my credit account. I was pushed out of their card system unfairly because they refused to give me a solution
Product: Debt collection

Collection Agency : GC Services Limited Partnership XXXX, XXXX, TN XXXX BACKGROUND : For the past decade I have been harassed by collectors for an alleged student loan debt, a small XXXX, that was paid back by my parents in XX/XX/XXXX-XX/XX/XXXX as a graduation present. ( I graduated from XXXX in XX/XX/XXXX ). 

XXXX did n't contact me until almost XXXX years later. claiming I owed this debt. Naturally NO ONE has their banking and financial records from that long ago! Which of course, is why this scam is so insidious. 

And by then, my mother, who always handled the family finances, was suffering from XXXX XXXX. 

This latest collection agency I responded to immediately, as I always do, reiterating I DO NOT OWE THIS DEBT. 

They sent me back a collection notice, to which they attached a FAKE PAYMENT RECORD, which allegedly shows I made one payment of {$26.00} in XX/XX/XXXX 

Fortunately, I still have the same bank ; and they have just mailed me the proof that no such payment was ever made by me to the Dept. of Ed. or anyone else. 

It is SO UNFAIR AND OUTRAGEOUS that almost XXXX decades after the fact " someone '' can just " decide '' I owe a debt that I ( or anyone else! ) can no longer prove was paid! This would not be allowed in any other kind of debt. 

But fraudulently creating a document in order to " show '' something that never happened is really just too much. I will fax you the proof from XXXX that I never made any such payment on this debt I DO NOT OWE! 

I am securing a legal aid lawyer to stop this bogus debt collection once and for all. When I complained to the CFPB about this bogus debt in XX/XX/XXXX, you passed it on to the Department of Ed ombudsman, who did nothing except send me a copy of my loan application, which of course, PROVES NOTHING ABOUT WHAT WAS PAID BACK AFTER THE LOAN WAS TAKEN OUT!! 

But I would like some action, some censure, SOMETHING against this debt collection agency who is making up false financial statements!!
Product: Mortgage

I have XXXX mortgages with Fifth Third Bank. I have been making all payments using their online banking system. Today I tried to login and was unable. I tried resetting my password but their website stated that I needed to call. I have called XXXX  times without being able to reset my password or regain access. Each time I have connected with a representative, I am told that I need to speak with a different group. During the transfer, a recording says that I am being connected to something like " fraud services department '' before being disconnected or given dial prompts that do not function. 

I am concerned for the security of my accounts and the initial agents I speak to refuse to help. They continue to insist I need to be transferred despite my explanations that the transfers don't lead anywhere. I don't know what to do. I want to know why my online access was taken away - especially if it was due to security concerns. I also need to login to make my mortgage payments.
Product: Credit reporting or other personal consumer reports

On my most recent report it is reflecting account XXXX account number XXXX as a charge off which has tremendously spike up my depth owning more that is caused by the inaccurate interest rate being charged and potential late fees. Because XXXX is recording I am 30 days late on XXXX, but XXXX is showing 90 days late This has been hurting my credit score for a while now and has lead to derogatory remarks. 

Also XXXX is saying I am charged off for 120 days for three consecutive months. the Fair Credit Reporting Act ( FCRA ). Getting the late payment removed depends on its accuracy. The FCRA is a federal statute that allows you the opportunity to dispute false information on your credit report, thus I am demanding that this information be removed from my account immediately
Product: Credit reporting or other personal consumer reports

During the year of the XXXX XXXX pandemic I lost employment due to the severity of the impact. 
I did not have an income and therefore capital one reported my Credit card payments late even though mentioned they would have relief for affected individuals due to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to account XXXX under XXXX XXXX XXXX XXXX credit report. All 3 credit bureaus are reporting that I have late payments with XXXX XXXX XXXX XXXX - XX/XX/2019, but this is incorrect information as I was not late on payments during this reported time frame. I have tried to resolve the issue directly with XXXX but they claimed to not be able to make any changes. I understand under my legal rights that any information that is inaccurate must be removed from my credit report.
Product: Debt collection

I have fought this for months with the credit agencies, this debt doesn't belong to me. I do not owe any apartment complex this company has the wrong XXXX XXXX
Product: Debt collection

I applied for a Citibank AA credit card in XX/XX/XXXX. I never received a card in the mail or credit card statement in the last year. Turns out they did not have my mailing address. I get a phone call from credit card company claiming I owe a {$99.00} membership fee on XX/XX/XXXX. I have called to clear this up on over 10 occasions. They have claimed to close my account, and said I do not owe anything. But I am getting phone calls and emails from their collection agency. I refuse to give them my mailing address. The credit card company admits I never received the card.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against the Credit bureaus regarding multiple inaccuracies on my credit report. These errors violate the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( e ) ( b ) and 15 USC 1681 ( i ) ( 5 ). 

Details of the XXXX Accounts : XXXX The date opened and the account type are inaccurate. 
XXXX XXXXXXXX The date opened and the past amount due are inaccurate. 
XXXX The date opened and the account type are inaccurate. 
XXXX XXXXXXXX The date opened is inaccurate. 
XXXX XXXX XXXX The date opened, the balance owed, and the payment term frequency are all inaccurate. 
XXXX XXXX XXXX The high balance, balance owed, and payment status are all inaccurate. 
XXXX I have never conducted business with this company. Their reporting is fraudulent and should be deleted from my credit report immediately, per the FCRA. 
Additional Concerns : I was sent documentation claiming they have verified the accuracy of this information with the reporting companies. However, other credit bureaus report conflicting information, further highlighting failure to ensure data accuracy. Additionally, XXXX has a history of updating disputed accounts as verified without conducting proper investigations, which is another violation of federal law. 
To resolve this matter : Delete all disputed accounts listed above from my credit report. 
Provide written confirmation that these accounts have been removed. 
Failure to address these inaccuracies and delete the accounts as required under the FCRA XXXX result in legal action to enforce my rights. 

Thank you for your immediate attention to this matter.
Product: Debt collection

JH Portfolio Equites place an un verifiable debt on my credit reports in XXXX 2016. I filed a complaint and they said they would remove It via my Consumer Financial Protection Bureau # XXXX in XXXX. It is not XXXX and this still has not been removed. I sent a notice to the XXXX credit bureaus and they all said that in XXXX and XXXX 2016 JH Portfolio Debt Equites confirmed and verified this debt. I called the week of XXXX XXXX 2016 and told the Rep and she told me there was nothing she could do and that there was not letter they would provide me to send to the credit bureaus. This is in violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered the cable and internet service with the XXXX XXXX company without a contract. I canceled the contract and they are charging me the equipment. I give the equipment and I will send you proofs. I did not give him the information of my social security I do not understand how they got it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking at my credit file I've noticed inaccurate data reporting on my report. and I'm demanding that these accounts be blocked immediately. 

1 ) XXXX XXXX {$150.00} 2 ) XXXX XXXX  {$550.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

They call everyday. It has been about 2 months already receiving multiple calls a day!
Product: Credit reporting or other personal consumer reports

I sent letters to the bureaus to update my Social Security number since 2 different ones show on report
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are unauthrozied and need to be removed from my credit report imediatly.
Product: Credit reporting or other personal consumer reports

I paid All my bills on time, My payments should be none missed. I want this Fix please I file a FTC Report XXXX XXXX XXXX I also mailed dispute letters as well stating why I should have these changed to on time payments [ Pay as agreed ] payments. 



15 U.S. Code 1681a-Definitions ; rules of construction | U.S. Code | US Law | Lil/Legal Information Institute 15 U.S. Code 1681s-2-Responsibilities of furnishers of Information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate Information 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( 1 ) - EXCLUSIONS-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any-report containing information solely as to transactions or experiences between the consumer and the person making the report,
Product: Mortgage

This is related to complaint XXXX The issue with Santander has not been resolved. Santander took my XXXX XXXX XXXX payment and applied it to the loan. This shouldnt have happened ; since mortgage payments are made in advance only interest for XXXX XXXX through XXXX XXXX XXXX should have been charged. I was charged XXXX in interest plus an additional partial interest payment of XXXX presumably for XXXX XXXX through XXXX XXXX XXXX dates even though my loan was paid off on XXXX XXXX, XXXX. The XXXX XXXX, XXXX pay off date was confirmed by Santander. This practice is outrageous, deceptive, and if it isnt already, should be criminal. Why is principal and full interest for the month of XXXX being applied to a loan that was paid off in early XXXX, as well as additional interest being applied? 
I request the following : The additional refund outlined below be returned to my Santander checking account no later than end of business Friday, XXXX XXXX, XXXX. The XXXX interest is owed back to me, as this was an interest calculation for the full month of XXXX, and I was already charged a partial interest payment of XXXX. 
A detailed explanation of the partial interest calculation on what ending principal balance- although it should be for the XXXX ending balance of XXXX as well as how many days interest the calculation was based on. 
A full refund of the so called XXXX payoff and XXXX mortgage release fees because of this nonsense Santander is trying to pull.
If Santander does not comply with the above request by Friday, XXXX XXXX, XXXX deadline, I will be sue the bank and go public with this story. 
In regards to Santanders letter dated XXXX XXXX, XXXX it doesnt matter that I didnt contact them to cancel the pre-authorized monthly payment- the payoff should have been calculated on the ending XXXX balance, and not handled such a underhanded manner. Further, I dont believe that it takes ten days to clear a check from a nationally known, reputable lender- another load of baloney.
Taking out the loan with Santander Bank was a terrible experience closing on my home was significantly delayed because Santander kept requesting additional information that had not been previously requested and now closing/paying off the loan has been even worse, as Santander is trying to cheat me out of money. Santander does not treat its customers well and practices incompetent and deceptive practices.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding fraudulent accounts and charges that have appeared on my credit report as a result of identity theft. I have already filed an identity theft report with the relevant authorities and would like to put your bureau on notice regarding these fraudulent activities. I am requesting the following actions : Immediate investigation into the unauthorized accounts and inquiries. 
Removal of any and all accounts or debts that I did not open or authorize. 
A security freeze or fraud alert placed on my credit file to prevent further unauthorized activity. 
Updates on the status of your investigation and resolution within the required time frame. 
Enclosed with this complaint are copies of my identity theft report, a government-issued ID. 

I trust that your bureau will promptly address this matter and take appropriate measures to protect my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had filed XXXX XXXX bankruptcy and voluntarily dismiss, i contacted the Middle District Bankruptcy Court about these XXXX XXXX being on my credit report, i was told by the court, they do not provide information, the credit bureau does that. 
I have did a number of disputes with all 3 credit bureau with no success, These XXXX  XXXX bankruptcy falls under the Covid-19 Bankruptcy Relief Extension Act and should be removed as a matter of law.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Fraudulent Bankruptcy Reporting on Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of a bankruptcy on my credit report. I have never filed for bankruptcy in my entire life, and this entry is clearly a result of either mistaken identity or fraudulent activity, potentially stemming from the recent national data breach that compromised the personal information of millions of individuals. 

Details of the Disputed Bankruptcy : Filing Court : XXXX XXXX XXXX XXXX Filing Date : XX/XX/XXXX Case Number : XXXX This inaccurate information is causing significant damage to my credit profile, and under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and have any inaccurate, incomplete, or unverifiable information removed from my credit file. Specifically, FCRA Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to promptly investigate disputes and correct or delete inaccurate information.

Additionally, under FCRA Section 605 ( a ) ( 1 ) ( 15 U.S.C. 1681c ), the inclusion of this erroneous bankruptcy is an unjust representation of my creditworthiness, as bankruptcies are major derogatory marks that should only be reported when valid. I believe this error is likely connected to the national data breach, which has compromised sensitive personal data and may have led to unauthorized use of my identity. 

Requested Actions : Immediate Investigation : I request an immediate investigation into the inaccurate bankruptcy reporting. 

Removal of the Bankruptcy Entry : As this entry is entirely false, I demand its complete removal from my credit report. 

I appreciate your immediate attention to this urgent matter and look forward to a timely resolution. 

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

I hope this letter finds you well. I am writing to formally request a Form 1099-C, Cancellation of Debt, in connection with an account under my name that was charged off by your institution and subsequently reported as such on my credit report. 

As outlined in IRS regulations under Section 6050P of the Internal Revenue Code, creditors are required to issue a Form 1099-C when a debt of {$600.00} or more has been canceled or discharged. It is my understanding that since the charged-off debt has been written off by your institution, it constitutes a cancellation of debt, and I should have been provided with the appropriate tax documentation in accordance with the law. 

Failure to provide a 1099-C form for canceled debts could be considered a violation of the IRS reporting requirements, which obligates creditors to report forgiven or discharged debts in excess of {$600.00}. It is essential for me to have this form to accurately report the canceled debt on my tax returns, and I would like to resolve this matter in a timely manner to ensure compliance with all relevant regulations.

Please send the 1099-C form at your earliest convenience, either to my physical address or via email at XXXX Should you require any additional information or documentation from my end, I am more than willing to cooperate to expedite the process. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.
Product: Vehicle loan or lease

XX/XX/XXXX, I go to the XXXX of Massachusetts. They inform me that there's no print out date for the title. Therefore they cant print out my title. They said something happened that that I should call my bank. 

I called Bank of America that day. They informed me that the title request got kicked back from the XXXX. They didn't know why it got kicked back. I asked Bank of America when were they going to inform me about this? They had no answer. 

I called again on the XX/XX/XXXX. and spoke to a supervisor ( XXXX ) who said that he contacted the department who deals with sending titles to the XXXX. He told me that they sent an Email at his request to the XXXX asking why it got kicked back. 

I am writing to you today two weeks ago I started this process and today they finally decided to investigate this matter because I brought it up. I know Bank of America is miss handling this account and they are showing that they don't care based on the time line of events and lack of movement in this case. Why is it that I, the consumer has done everything right, paid my loan on time for the past two years. finally paying it off to the tune of XXXX XXXX dollars, to wait two weeks to hear that they didn't even simply send off an email to the state to ask why my title is being held up. i think its just disgusting. The more pressing matter is that, I finally have a buyer ready to purchase this trailer which i have been actively trying to sell for some time now. I finally get a buyer and Bank of America is not doing a diligent enough job on providing me with my paid off title. I had to contact them to hear that the XXXX kicked back the information that they submitted. I don't know what going on but the XXXX is pointing fingers at BOA and BOA is pointing fingers at the XXXX. Please help.