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

XXXX : Inaccurate Reporting of Charge-Off Account on My Credit Report** I am writing to formally file a complaint against XXXX XXXX  for furnishing inaccurate information to one or more consumer reporting agencies. The erroneous reporting of this XXXX XXXX account ( account number ending in XXXX ) as a charge-off has severely damaged my character, reputation, general mode of living, and ability to obtain credit for personal and housing purposes. This inaccurate reporting has also adversely affected my livelihood. 

On XX/XX/XXXX, I notified XXXX XXXX about the inaccurate information they were reporting and requested that they cease and desist immediately and delete the XXXX XXXX account in question. However, they have willfully remained noncompliant with FCRA laws regarding the reporting of inaccurate information. 

**15 U.S. Code 1681s2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies** ( a ) Duty of Furnishers of Information to Provide Accurate Information Prohibition ( A ) Reporting Information with Actual Knowledge of Errors A person must not furnish any information about a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

XXXXXXXX XXXX is inaccurately reporting a {$680.00} balance on a charged-off XXXX XXXX account to one or more of my consumer reports. This contradicts their internal accounting treatment of the debt as uncollectible. Since XXXXXXXX XXXX has charged off this XXXX XXXX account ( ending in XXXX ) and considers the balance to be XXXX for accounting purposes, reporting a {$680.00} balance on my consumer report is fundamentally inaccurate. This account should be deleted immediately. When a lender charges off an account, they recognize the debt as uncollectible, and the balance is reduced to zero for accounting purposes. 

According to the IRS, a charge-off is defined as gross or ordinary income. Income should not be reported on a consumer credit report, making XXXXXXXX XXXX XXXX reporting of this account as a charge-off fundamentally inaccurate since this debt is now considered income as defined by the IRS. 

Furthermore, the IRS requires that a lender file Form 1099-C and send a copy to the borrower if the amount of debt canceled is {$600.00} or more and the lender is a financial institution. Despite not receiving a Form 1099-C from XXXXXXXX XXXX , I have already filed this charge-off account on my XXXX tax return as income. XXXXXXXX XXXX  should not be reporting this charge off XXXX XXXX account to consumer reporting agencies. I demand this account be deleted immediately! 

I will be reporting tax fraud against XXXXXXXX XXXX  by completing Form 3949-A for not complying with IRS regulations XXXX The IRS mandates that financial institutions must issue a Form 1099-C to both the borrower and the IRS when they cancel a debt of {$600.00} or more. 

I urge the CFPB to investigate this matter and take appropriate action against XXXXXXXX XXXX for their harmful and inaccurate reporting practices.
Product: Payday loan, title loan, or personal loan

I have some conerns in which I was able to obtain a loan in XX/XX/XXXX. without the use of the agency coping my social security card at that time of approval. Currently they called to allow me an increase in which they told me to bring in my social security card due to my issues of identity theft. I brought in all of my documents today as I did in XX/XX/XXXX when first approved. I had FRAUD VICTIM on my credit report they pulled in XX/XX/XXXX as the same one the credit report they pulled on XX/XX/XXXX however this time they would not give me the loan increase because I would not allow them to make a copy of my social security card. I informed them that due to the ongoing issues I had in the past I have a right to not allow you to copy my card however I am showing you my card. You have my proof of income with the last 4 of my social security on it and you have my drivers license with me in front of you. You see my social security card so for you to deny me this loan because I refuse to let you copy my card is not right. Under 31 CFR 1.32 I should not be denied if I choose not to allow someone to copy my social security card. They have many other forms of proof I am who I am even when I loaned in XX/XX/XXXX with my current loan still open
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see page 27 attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/year>
Product: Credit card

I made a XXXX Bank balance transfer to Venmo in the amount of {$850.00}. XXXX Bank made the payment on XXXX. XX/XX/year> Venmo showed the payment but made a duplicate payment. When they realized the mistake they removed the duplicate payment along with the original payment. Now Venmo is telling me NO {$850.00} PAYMENT WAS MADE. I called XXXX Bank and verified the {$850.00} payment ( balance transfer ) Venmo did not want to help or correct their mistake. VENMO NOT A NICE COMPANY
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX should not be reporting that I am ( 120-180 ) days late on the XXXX - partial account numbers XXXX ; XXXX and XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and SSN card for identification purposes to proceed with the investigation of my complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Debt collection

In XXXX of 2017, I purchased an XXXX through XXXX, who uses Citizen 's One as their third party partner handling loans for the devices. I was not aware that I would be paying to Citizens One every month, but rather thought it would be XXXX directly. I believe that I got a new credit card and it never got updated with Citizen 's One. My monthly payment to finance my phone has not gone through since XXXX of 2017 and now my account with Citizens One has gone to their collections department. I only found out this information because I called XXXX in hopes to upgrade my phone this year and they told me I have a balance through Citizens One still. I have not received any form of communication from Citizens One. They have not called, emailed, mailed, etc. any notification or bills to me. However, when I talk to them on the phone, they tell me that I owe the full amount of the phone which is around {$860.00}. I asked them if they could please send me an email verifying how much I owe on the loan and they told me they can not email me at all. Their recovery department has told me that they don't report these loans to the credit bureaus and that that is why they can not reach out to me in any form. However, their billing department told me it could effect my credit and to just make sure to pay off the loan, yet they don't know any deadlines or logistics of when and what I have to pay. If I mail in a payment, I have been told that I will not receive any confirmation for my payment. If I pay over the phone, they say that I will receive an email confirmation, however, I'm not sure I trust them. At this point, I am afraid to pay because I don't know if I will get the full confirmation that I feel I deserve. I would feel more comfortable if they could do things through writing rather than all verbally. However, they have made it clear that everything must be verbal. There is no access online because my account has moved to their recovery department and I no longer have access to my account online. My biggest concern is that this account does not affect my credit negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX
Product: Debt collection

I have disputed the debt with the credit bureau, and the debtor has failed to validate the debt is mine. I am requesting the collection item be removed immediately due to noncompliance of the section 809 of the Fair Debt collection practices act.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$200.00} Date Opened XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit card or prepaid card

XXXX XXXX XXXX, a US military XXXX service member, I have used a Citi credit card account for 3 years, Recently XXXX closed all my credit cards account for no reason, which makes me and my family very frustrated, I have never missed payment and any due. I use my card every year, have no risky behavior, often refer to a recommendation by friends with Citi products. In the recent epidemic, I serve the country, live in the military base also no anywhere can use credit card frequently, Kindly help check
Product: Checking or savings account

I ordered a 15 inch XXXX XXXX XXXX  Laptop from XXXX using my Chase Debit card for a total of {$2900.00} on XX/XX/2019. The package was supposedly shipped out via XXXX and allegedly " delivered '' to my house on XX/XX/2019. I was home the entire day waiting for the package but no one ever showed up to deliver it and I did not receive the box. After waiting 2 days in the case that XXXX delayed the delivery, the laptop still did not arrive. So I contacted XXXX, the merchant, to see if they can contact XXXX to try and locate my package if it went missing or something. One of the agents from XXXX told me that XXXX will start an investigation to try and locate the package. After a month and a half of " investigating '' and constant calls with both XXXX and XXXX and continuous times of XXXX telling me they would refund me the payment but never did, I could no longer wait for my money back speaking with them. I called my Chase bank number on the back of my debit card and disputed the transaction on XX/XX/2019. I gave them all the information they asked for and was issued a temporary credit for the disputed charges. I was given no updates on the status of the dispute, but was given my money back. At that point, because I had my money, I assumed that the disputed charges resulted in my favor. But today, on XX/XX/2019, I received a letter in the mail dated XX/XX/2019, that Chase bank has found based on their " research '' that the disputed transaction of {$2900.00} was " processed correctly or was authorized '' and will be removing {$2900.00} from my account on XX/XX/2019. Upon contacting Chase again, they told me that they will not be reviewing my claim or take a second look at it. I will lose {$2900.00} and still will not have the XXXX XXXX XXXX laptop I ordered on XX/XX/2019. At this point, I will not have the funds to pay for my monthly expenses because I will be short almost {$3000.00} with 4 days notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I got an alert on my credit report saying I had collection accounts effecting my credit score. There were 3 accounts with a total of about XXXX. So I did some investigating and found the company XXXX XXXX as the collection company. They listed the original lender as XXXX Bank ( which does not do student loan lending ) but my credit report has XXXX XXXX XXXX as the original creditor. So I disputed this info on all XXXX reporting agency reports. XXXX, Experian both returned saying the accts were accurate. So after hearing this I reached out to XXXX and requested the original loan docs for my 3 accts that they were reporting for me. As of today XX/XX/XXXX they have failed to provide any type of proper documentation to show proof that the acts were mine. No loan docs, no promissory note, or any type of paperwork showing my signature or date. I also tried to contact XXXX XXXX XXXX but they aren't a real company, and XXXX Bank does not do student loans. I explained this to XXXX and Experian but they would not remove the collections from my report. How are these companies able to reflect false information on my credit report while the " reporting agencies '' willingly accept the info without proper documentation? If proper documentation is not available to show proof that I own these accts then they should not be on my credit report.
Product: Student loan

As stated during my initial complaint on XX/XX/XXXX ( Complaint Number : XXXX ) MOHELA is engaging in fraudulent business practices, financial extortion, and fiduciary fraud. This was excellently highlighted via adjudication by the DoE via withholding of $ XXXX from MOHELA in punitive damages. 

However, upon completion of a full forensic audit and investigation, it was determined that MOHELA is also acting as a runner, capper, and / or agent for a legal firm. Specifically, MOHELA is acting as a runner, capper and / or agent for XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX This was confirmed via notarized legal documents received from XXXX XXXX XXXX on or about XX/XX/XXXX. 

This is illegal under Cal. Bus. & Prof. Code 6151 as well as CA Rule 7.3 Solicitation of Clients.

Please see attached 2015 evidence where MOHELA verbally stated to its international investors that they were intending to used bundled student loans as fiduciary assets via sweep accounts through the U.K.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed two entries on my TransUnion Credit Report on XX/XX/XXXX. Both were accounts that I did not recognize. TransUnion has indicated that they have completed the investigation and that they verified the accounts as valid but updated them althoughI don't see any updates. One account, a flexible spending account, was closed in XX/XX/XXXX, one month after it was opened. The other account, a credit card with XXXX XXXX in XXXX CT is still opened. Per TransUnion, they can not provide me with any information provided to them that verified the accounts to their satisfaction, but I am welcome to contact CFPB as well as contact the banks in question. I don't consider that an adequate response, but I guess I have to take the risk as well as the time of doing this investigation. 

I did request a credit freeze from all four credit agencies in XX/XX/XXXX and that is still in effect.
Product: Checking or savings account

XXXX XXXX XXXX prepared transfer papers for a lady with XXXX she states she payed him XXXX XXXX dollars for this service. I have a copy of the papers they make me the owner of XXXX XXXX dollars. The money is in Mellon bank of new York Mellon P'O.C. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX phone XXXX Mr.XXXX XXXX XXXX he has asked me for I.D . have performed every task that he has asked still no transfer of Funds. Ms. XXXX XXXX the donor offered me a percent of the fund an it was intented for the sick and homeless. Fact Mr. XXXX is in a Organization That helps people that are homeless and sick now see the connection and has been associated with Ms.XXXX  with church matters. The acronym for the Organization is ( XXXX ) this is a confict of interest on the part of him over seeing XXXX XXXX dollars. Then take into the fact he had the papers prepared for me to receive the funds. I would Appreciate your Agency looking into this matter. 
cc file XXXX XXXX By The Way Mr.XXXX XXXX XXXX is also a XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining about my inability to get in touch with anyone at Experian. Neither their automated system nor their website specifically addresses my issue, and when I talk to a person, I get transferred instantly to the automatic system. 

I had frozen my credit accounts because of various data breaches ( OPM, XXXX ), and needed to unfreeze them because I had applied for a new credit card. Not knowing how long it would take to process the credit card application, I made the stop date XX/XX/XXXX5. Once my credit freeze was unfrozen, the new credit card was issued. Not wanting to leave my credit records open until XX/XX/XXXX, I tried to contact Experian to refreeze my account but could not reach anyone. I ended up putting a " lock '' on my credit for $ XXXX to prevent any credit searches. 

I want to refreeze my account on XX/XX/XXXX, and cancel my credit lock on that date, but am unable to reach a person to accomplish this. XXXX was able to take care of the issue with one phone call. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX CT XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$26000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1800.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Last month I notified this credit bureau that they were reporting information I never gave written consent to be reported on my credit report. I was ignored by them, and this matter was not addressed accordingly.