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

SCS Corp is seen as a charge off and has since been sent to collections. I have been garnished on many different times over the past XXXX yrs and I am now headed to court on the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally request a copy of the Form 1099-C ( Cancellation of Debt ) related to my account, which was charged off. Pursuant to Section 6050P of the Internal Revenue Code, I am entitled to receive this document for accurate tax reporting purposes.

Additionally, I am writing to express my serious concern regarding the ongoing adverse impact of the charge-off associated with my account on my credit report. This continued reporting may potentially violate provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to Section 623 ( a ) ( 3 ), which stipulates that information reported must be accurate and not misleading.

In light of the aforementioned concerns, I am formally requesting the following actions be taken : * Provide me with a copy of the 1099-C for the referenced account within 30 days of receiving this communication, as mandated by Section 6050P of the Internal Revenue Code.

* Rectify the status of the charge-off on my credit report to ensure compliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 2 ), which requires that information reported is not outdated and is accurate.

Failure to comply with these requests may constitute violations of applicable federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant regulations. It is my sincere hope that we can resolve this matter amicably and avoid any further escalation.

Your prompt attention to this matter is appreciated. I look forward to a swift and equitable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting unauthorized inforomation on my behalf. Under the law permissable purpose any consumer reporting agency may furnish a consumer report under the following cicumstances and no other. This company is reporting a bankruptcy. In accordance with the written instructions of the consumer to whom it relates. This is under the US code 1681b ( a ) ( 2 ) Permissible Purpose. I have not given XXXX XXXX any permission to do the following. XXXX XXXX is reporting information to Equifax and XXXX which is in direct violation to me according to the above stated law. Due the violation of this law Equifax and XXXX are also in violation of this law. Failure to have this information deleted will result in me filing a law suit.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX  PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA XXXX. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.
Product: Credit reporting or other personal consumer reports

In regard of EXPERIAN, XXXX, and XXXX, I was never informed by any means nor sent a notification that I agreed upon verbally or gave written consent that EXPERIAN, XXXX, AND XXXX can share my Consumer report with any person, third-party creditor my consumer report is supposed to be protected by consumer reporting bureaus. therefore FRCA 15 U.S.C s 1681 has been violated.
Product: Debt collection

Vystar Credit Union is reporting a fraudulent debt on to my credit report. The report has been disputed and removed but they continue to report false information.
Product: Mortgage

I purchased a primary home with mortgage and put 10 $ % down. I had to get PMI on the loan. I requested the LTV ratio at which we need to get PMI released from the Loan and I have written evidence from Caliber Home Loans stating if I pay down the Loan to 80 % they PMI will be released. We paid the loan to below 80 % and they they denied our request and said we need to pay it down to 75 %. We just paid it down to 75 % LTV and now they are making us get an appraisal to redetermine the LTV. The regulation requires them to automatically cancel the PMI with two years good payments, no late payments, and 75 % LTV ; all of which we have satisfied. The XXXX XXXX XXXX guidelines allow PMI to be released if you make betterments or improvements to the property and get an appriasal which would show the Value is higher and thus the LTV ratio could be lower than 75 %. This requirement is not necessary if you are just paying down the principal!
Product: Money transfer, virtual currency, or money service

Ive used Zelle multiple times and Ive ran into problems with sending and receiving funds. When I reached out to CS they were so uninterested and the help I received was the absolute worse. Never a refund or anything. Just out of money in either my end or the senders. I feel its completely unprofessional
Product: Checking or savings account

Ive called in the beginning to try and report fraud. They told me what do you want me to do with this. As a first time fraud reporter I wouldnt know how to even answer them. I tried to tell them that it is ridiculous for them to let these scammers reversal claim 2 of my car loan payment as well as my dmv. Then they told me to go in the bank and have them setup a payment plan which is completely bogus because how are they going to make me pay my own money back to them? If this was the case I will NOT bank or trust them. Thankfully some nice bank lady from the fraud department helped me reduce the charges, BUT what happens to the & XXXX? They need to do their due diligence and find the money because they told me that it was sent from the same device so they can see who deposit fraudulent check? But dont want to tell me.
Product: Credit reporting or other personal consumer reports

Statement says I have late payments but I do not. I closed the account prior.

Closed account with highest balance of {$510.00} paid off 100 %, the missed payments are affecting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed the following accounts on my credit report. These are an error or a result of fraud as they are not mine. 

XXXX XXXXXXXX {$210.00} Opened XXXX XXXX XXXX {$120.00} Opened XX/XX/XXXX XXXX {$280.00} XX/XX/XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX {$390.00} Opened XXXX XXXX XXXX  {$890.00} Opened XX/XX/XXXX I've noticed most of these accounts are medical and this is a violation of Hippa that any of my supposed information is being shared. I never received medical services or otherwise or authorized anyone to obtain or share my medical information or otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several unauthorized inquiries on my credit report. I filed a FTC report on XX/XX/2022 and I feel like my rights have been violated. Please fix these errors with Experian, XXXX and XXXX. 

Attached : FTC Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I summited disputes for XXXX and received dispute results XX/XX/XXXX, and I summited for Experian and received results back on XX/XX/XXXX, XXXX I summited a dispute and got results back on XX/XX/XXXX. This case with company has been going on since XXXX. I have disputed Inaccurate credit Reporting for lates, And also all three credit Bureau have treated my credit reporting unfairness and Inaccurate. My FCRA rights with my financial information has been use against me and has violated my FCRA Rights has a consumer. Just recently for month of XXXX I had a high XXXX and higher credit score and applied to buy home and my score drop 3 times in one month. And then a company put on credit falsely late payment when it was not and reported inaccurate information and drop my score even more all in one month. I feel this is a economy discriminated against me as a consumer and a XXXX XXXX XXXX. I have been fighting since XXXX and moving forward. My XXXXredit score stayed at low score since XXXX to XXXX didn't move at all due to a company and what they had put on reports.
Product: Credit reporting or other personal consumer reports

These accounts is not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect, remove XXXX XXXX XXXX XXXX NJ, XXXX
Product: Student loan

AES services my private student loans. I have been out of work for the last year, and have been struggling to make payments. Now the situation is, Im still actively applying for jobs and looking for work, but without an income I can not even make good faith payments. AES has applied all the options they can is what Im told. I am then encouraged to find someone I can borrow money from in order to at least make good faith payments. I do not have family or friends that can add my bill to their life while Im trying to find work, and its absurd to encourage people to borrow money from others. There needs to be options for people who are out of work. I can not control how quickly I am able to find a job. 

I would like to avoid being sent to collections, so an option to help until I find work would be nice.
Product: Debt collection

XXXX XXXX XXXX I do not have a contract with this company. XXXX is not from original creditor. I have never heard of this company
Product: Student loan

Every time I visit Navient 's website to do anything other than make a payment, there are issues with the site. I have been trying to submit an online in-school deferment. 
I log into my account. 
Click tools and requests Click go to documents & forms ( this link opens another page requiring to log in, only to bringing you back to your main account page ) Instead of being able to easily enter my in-school deferment online as it seems I should be able to do based on their website, I get stuck in a loop that never takes me to the deferment request, forcing me to take a longer process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for months nothing was resolved. 


Account XXXX XXXX XXXX XXXX According to 15 U.S. Code 1681e ( b ) this account should have maximum accuracy. It is reporting numerous high balance amounts which is incorrect.

Date of last activity is reporting false dates.

Contacted the Agency asked for proof of the alleged debt specifically and they will not send me any proof. 

This charged off account is showing transaction history which is a direct violation of the FCRA. according to 15 U.S. Code 1681a ( 2 ) ( b ) payment history should be excluded from my consumer report. This account is a violation. How is this account reporting charge off every month if its been charged off for years. The account has already been collected on by the creditor. This is a billing error. remove this false reporting account from XXXX, XXXX, & TRANSUNION. 

I am permitted by FEDERAL and STATE LAW to file this dispute. 

A FERDERAL CRIMINAL VIOLATION punishable under 18 U.S. Code 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S. Code 1621. 
This charge off is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was pre qualified for a XXXX XXXX XXXX  card and the application said it would not effect my credit score. I checked today and found a hard inquiry on my credit score. Called XXXX XXXX and told them I was not happy about this and to cancel my application and remove the hard inquiry.
Product: Credit reporting or other personal consumer reports

Over the past year I have disputed these accounts on my credit profile. These accounts do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Over a decade ago through divorce, I was left out of the loop about financial obligations to my alarm monitoring service, and as such found out many months later by way of credit reports. Having no money to pay, I knew it would affect my credit for years and that was my only option. Ive since then had this debt removed from my credit years ago. However just recently I noticed a huge drop in my points ( 80 or so ) because of a new 30-day late notice and the reemergence of long-forgotten ( and fallen-off, due to age ) collections. I responded directly within XXXX app to file a dispute sighting such ( twice now ), but was quickly denied, and the claim remained. Not only was I not notified, and dinged on points, but this is, and was, dead on arrival based on time that has passed. It seems as though, even after seven years.. someone could buy your debt claim it as new, and harass you for it, all while taking down your credit score.
Product: Credit card or prepaid card

Got s bill from an account I didn't open nor did I make the purchases.
Product: Consumer Loan

I went into my bank Welsfargo in forest grove on XXXX/XXXX/XXXX to make my auto loan current. My monthly payment is {$330.00} so they took out {$660.00} a payment for XXXX XXXX and a payment for XXXX XXXX. I told XXXX the branch manager to please not take out the payment for XXXX XXXX i will make that payment when my girlfriend gets paid on the XXXX of XXXX. I go into the forest grove welsfargo today XXXX/XXXX/XXXX @ XXXX XXXX to pull out {$550.00} to pay my rent and was told i have no money in my account, i got a print out statment and it 's showing that {$480.00} is pending for my auto loan my payment is only {$330.00} so why are they taking {$150.00} more then they should? It sure should n't be fir any fee 's because im sorry they should of taken care of that when i went in on the 3rd. I am so sick if this and welsfargo on how they XXXX the XXXX out if you for no reason. Trust me im far from done with this matter. I have let everyone i know that welsfargo will rip you off if you let them get away with it and to never bank with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I applied for credit on a used car but when I arrived at the dealership for my appt. time, they sold it just prior to my appointment and tried to sell me another car I didn't want. On XX/XX/XXXX, I looked at some cars on the XXXX and the salesperson said I qualified for one of their cars but only offered me {$1000.00} trade in on my XXXX XXXX XXXX so disgusted, I turned down his offer, On XX/XX/XXXX, I purchased a new XXXX XXXX from XXXX XXXX, but AFTER I purchased it, an additional 6 hard hits came in thru XX/XX/XXXX. These 9 hits should be enveloped? as one due ( 1 ) to  the car being purchased and I was unaware that hard hits were continuing and I don't believe they were authorized. 
Second, On XX/XX/XXXX, I was pre-authorized to buy a second car which my brother and I wished to purchase together. On XX/XX/XXXX we purchased a new XXXX XXXX and was assured that we were financed by XXXXXXXX XXXX XXXX and was and due to the XXXX holiday, and the car needing pre-delivery update we returned after XXXX and took possession of the Car. The Hard hit 's continued thru XXXX for a total of ( 21 ) which should again be enveloped? as One (! ) due to they were not authorized and for a single purchase started on XX/XX/XXXX and accepted on XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/XXXX I called Chase bank to dispute charges on my account they said they would investigate I called on XX/XX/XXXX and they said they would not be able to refund my fraudulent charges and that I was out the money and their was nothing they could do. A fraudulent site stole my funds and the bank is refusing to issue a credit back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reach out to XXXX and transunion, on several occasions about XXXX XXXX  reporting on my credit and they not authorized to do so, university of XXXX is the original debtor, i received a call from the Vice President XXXX XXXX, of the original debt on XX/XX/2018 he told me he had great news that he advised XXXX to not report on my credit any more and to send my file back to the college and DO NOT CONTACT Me, are update my credit again, and XXXX and transunion was sent proof from the original debtor that they approved my appeal to remove this Tradelines from my creditor and instead they violating the M2 compliance law with out proof that this debt is valid to continue on reporting it on my file damaging my credit causing stress to me for no reason..
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not validate bankruptcy report on file. 

Did not investigate dispute Can not provide dispute details
Product: Mortgage

In 2012 I filled bankruptcy. Coming out of bankruptcy I obtained a Hardest Hit Mortgage at the end of that year, I worked with Wells Fargo to get a Loan Modification which saved my Home. Recently it came to my attention the Wells Fargo is not reporting my current 7 months on on time payments to the credit Bureaus. When I spoke with them they informed me that i did not sign a reaffirmation agreement with the bankruptcy and therefor they would not inform any credit bureau about my payments. I researched what a reaffirmation agreement is and found out that if I had signed XXXX that if for some reason I could not make my mortgage payments, then Wells Fargo could look for me for money if there was a shortfall under the Foreclosure. When I found this out I was very glad I never signed XXXX. However the fact is that I do have a mortgage in good standing with Wells Fargo and I think what they are doing is border line criminal, they are affecting my credit score, which I am trying to improve after my bankruptcy. This practice for any Financial Institution should be prohibited. Please let me know if you can intervene on my behalf or give me some guidance how I can inform the credit bureaus. Thank you my contact in formation is XXXX XXXX - cell XXXX - mailing address XXXX XXXX XXXX XXXX, XXXX, RI XXXX
Product: Student loan

I originally filed a complaint with CFPB on or around XX/XX/XXXX about my problems with XXXX  processing my IDR request in a timely manner and providing me with a new payment plan. My qualifying payments under the PSLF program expired in XX/XX/XXXX and since XX/XX/XXXX, I have been placing my monthly payments on forbearance while I wait for my annual renewal to be approved. I have a long history of communication with XXXX about the status of this request. On XX/XX/XXXX, I received my bill for {$5.00} that would enable a new payment amount to be determined. I submitted this payment and XXXX confirmed it was received on XX/XX/XXXX. I spoke with XXXX ( employee ID : XXXX ) on XX/XX/XXXX requesting a status update on when a new payment amount would be determined. She informed me should would expedite the request and I should have a new payment amount determined by this Friday, XX/XX/XXXX. Unfortunately, today on XX/XX/XXXX I received an email telling my that they could not process my IDR request. I called and spoke with XXXX ( employee ID : XXXX ) who informed me it looks like this was made in error and she would forward the request to have someone look at it earlier next week. It has been 6 months since I have submitted my renewal IDR information to XXXX. At the rate with which they are processing this request, and have made other errors in past years in regards to ensuring I am making eligible payments towards PSLF, it will take me 20 years to make 120 eligible payments.
Product: Debt collection

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a collection? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Payday loan, title loan, or personal loan

I just got an email from this company about how to find my XXXX. They say I will receive an email on XX/XX/XXXX from XXXX, the qualified custodian of my moneyion investment account notifying me of my XXXX. 

I DO NOT HAVE AN INVESTMENT ACCOUNT! I have had this issue with this company before and this is not my first complaint through you. In XX/XX/XXXX I took out a {$500.00} loan. I did default on that loan due to hardship and I had a balance of {$460.00} though on my my credit report it has CLOSED with the balance of {$350.00}. 

XX/XX/XXXX I received some email about liquidation and surplus or deficiency saying my amount due as of then was {$460.00}. It said since I defaulted on the loan MoneyLion directed that my investment account securing the loan held at XXXX be liquidated and paid over to them be applied to the loan balance of {$460.00}. The amount of surplus or deficiency was $ XXXX. The amount of the proceeds of the disposition was {$110.00}. All this information I am taking from emails. 

I have asked this company to close any and all other accounts that opened when I took out the {$500.00} loan in XX/XX/XXXX and they are not listening. I have not used this company or the app for anything other than that {$500.00} so whatever surplus or deficiency or disposition I have nothing to do with. 

I want this investment account closed asap and this company to leave me alone and delete whatever they have of my information. 

I have emailed them and submitted complaints here. On XX/XX/XXXX MoneyLion responded to a complaint I submitted nearly a year before.