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

I am writing to formally file a complaint regarding a charged off account that continues to be reported on my credit report associated with account XXXX despite qualifying as income under IRS XXXX. The reporting of this account without the issuance of a XXXX form is both misleading and a violation of my rights under the federal law. 

Background The account in question was charged off by the creditor, which legally classifies the balance as canceled debt and, therefore, taxable income under the XXXX XXXX XXXX ( XXXX ) XXXX. According to this provision, creditors are required to issue a XXXX form for canceled debts exceeding {$600.00}, allowing the debtor to report it as income to the IRS. However, I have not received a XXXX for this account, yet the creditor continues to report the balance to the credit reporting agencies, as an active charge-off. 

Legal Basis for Complaint Violation of XXXX XXXX : The XXXX XXXX XXXX mandates that creditors report canceled debts exceeding {$600.00} to the IRS and provide the debtor with a XXXX form. The failure to issue this form not only prevents me from properly reporting my taxable income but also raises concerns about the creditors adherence to federal law. 

Fair Credit Reporting Act ( FCRA ) XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) : Creditors and furnishers are obligated to report accurate information to credit reporting agencies. Reporting a charged-off account as delinquent without issuing the legally required XXXX creates an inconsistency between the IRS classification and the creditor reporting practices, constituting inaccurate reporting under FCRA. 

Consumer Financial Protection Act ( XXXX ) XXXX ( a ) ( XXXX ) ( B ) : It is considered an unfair, deceptive, or abuse act or practice ( UDAAP ) to report a charged-off account as collectible or delinquent when it should be classified as income and documented though a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking Experian to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. Experian is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of Experians first re-investigation, Experian stated in writing that theyve verified that these items are being reported correctly. Where are the documents that Experian used to verify these accounts? What is the name of the person who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. What this means is that Experian must be willing and able to produce a document in their files that proves the accounts in dispute belong to me and the information being reported is accurate and they must be able to do this in a court of law if I file a lawsuit against them. Someone in Experian must authenticate the documents in their files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged accounts and all that has ever transpired for the alleged accounts, under oath and under the penalty of perjury. As I am sure that Experian is well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on, and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). Experian have ignored request to provided me with the documents that they have in their files that were used to verify the disputed accounts which means that Experian have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to promptly DELETE all information which can not be verified. XXXX. XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently checked my credit report. As i was signing into XXXX, I noticed my name, with my phone number and my SSN as being correct but it had an address for Virginia. I have never lived in Virginia. Been in Maine my whole life. As I looked at my credit score once i logged in, I seen a few accounts that were not mine, so i repoerted that with XXXX. They came back today and they denied the dispute, saying they are mine. I am worried that maybe this is identity theft? or just a mistake with another person same name,. I googled this person and she does exist, as age XXXX, I am XXXX. Why is my account with hers and i dont understand why XXXX cant see that we are 2 diff people and i dont get how my SSN and phone number was under her address, I dont know what to do now. These accouns are in good standing so i dont think it hurts my credit, i just worry cause its on my account and its not me. I worry that my ssn was under her address. If i google her, it shows my address along with her address as the same person, we are not the same person, ive only lived in XXXX XXXX  my whole life. Can you please help?
Product: Mortgage

I've had my house/mortgage for a year via my FHA loan. I haven't been late on a payment once. In XXXX, I was offered the benefit of the Forebearance feature of the CARES Act and was made to understand that essentially this would put a " PAUSE '' on my need to make mortgage payments for a period of time, and that those payments would simply be added to the end of my loan period. 

I keep a close eye on my credit report, and use the XXXX XXXX and XXXX apps regularly. I've noticed over the past 3 months that I've been on Forebearance, that I'm getting notifications that the balance on my mortgage has been increasing!!! 

In XXXX, when I agreed to the Forebearance, my loan balance was XXXX ... .. now my balance is XXXX!!! 

I called my mortgage company to clear up the situation, I can understand if the original interest is still accruing on my loan, however, when you add it up, XXXX over 3 months comes out to about XXXX per month .... that's my usual monthly mortgage .... that means that they're charging me 100 % interest on the missed payments!!! How is that supposed to be " helping '' me??? 

Putting the payments on " PAUSE '' is not the same thing as DOUBLING THE AMOUNT THAT I OWE .... that doesn't help me, and I was not informed that this would be the circumstances. As a matter of fact, I don't think that the representatives at the time of the offer even had a clue that this would be the case. THIS IS NOT RIGHT. 

I believe that my balance should have remained the same, XXXX and that missed payments should be added to the end of the term of my mortgage. If there is some slight amount of interest, 3.5 % is my rate, then that is fine ... .. but my rate is certainly NOT 100 %. 

Please help to resolve and correct this situation. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have attempted twice online via Experian 's site to get items removed from my credit report that should no longer be reporting. I included the additional documentation attached however it seems Experian has no record of my dispute. My attached credit Report Number XXXX states that trade lines XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are on record until XX/XX/XXXX. These tradelines are still reported as of XX/XX/XXXX which is past the FCRA statute of limitations. See attached screenshots which hilghlight the tradeline " On Record Until '' date. Please remove these tradelines immediately. In addition Experian stated my dispute of my Affirm account status of account XXXX was confirmed correct ; however this is impossible as the account has been paid off since XX/XX/XXXX. I seems that Experian is not truly investigating credit report disputes or Affirm is not properly reporting ; both of which is a violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, I purchased 3 items at a total of XXXX charged to my store card. Over the next month, I returned all three items. For some reason ( I can speculate but I wont ), my return was never actually processed and the balance remained on my card. This was clearly due to an issue on their end. I returned the items in good faith and expected the account to be credited. Bloomingdales instead wants ME to be responsible for their negligence. Of course, I did not pay the card because why should I be out of the items and my money? Bloomingdales is not entitled to both.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  with loan number ( Masked first XXXX numbers XXXX ) sent me a letter XX/XX/XXXX followed by a note XX/XX/XXXX saying that my account was suspended due to a late payment. They never email me or called my contact information. Payments were made XX/XX/XXXX and XX/XX/XXXX. This was after I asked for the address for notices be change which they never did until after the fact. They then reported this to the credit bureau and this dropped my score XXXX points, From XXXX to XXXX. There was no communication until the letter and no remediation offered simply suspend and report I have been a customer for 11 years and never missed a payment.
Product: Student loan

On Thursday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I am eligible for XXXX in forgiveness. Throughout the pandemic I paid almost $ XXXX in payments, essentially taking advantage of the no interest to pay them off. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This complaint is in reference to Transunion credit reporting company. 

Due to security and fraud reasons, I lock my credit reports through all XXXX credit reporting companies ( XXXX, XXXX and Transunion ). Each of these companies allows individuals to unlock their individual credit reports via a XXXX XXXX capability. 

Transunion 's website does not offer consumers the ability to manage freezes to their individual credit reports, stating technical difficulties and provides a telephone number to contact their support service. When attempting to contact Transunion support, users are left on-hold for hours and hours with no resolution to this problem. 

This is basically hijacking personal credit reports and should be actively rectified by the Consumer Financial Protection Bureau and I would like to formally lodge a complaint against Transunion.
Product: Money transfer, virtual currency, or money service

Hello I have XXXX dollars investment in my cash app account and I cant get it back because I can't verify my identity. 

I need to verify my identity with state ID and SSN but I can't because I'm not American and I don't have SSN or state ID. 
I already try to speak with cash app support and then told me this is the only way to verify your identity right now what I need to do???
Product: Debt collection

Capital Management Services , LP has tried to contact XXXX XXXX XXXX XXXX XXXX and have stated if the debt isn't paid that my credit would be damaged and they would send a summons for my arrest. And they pulled money from My account without authorization. All these actions started XX/XX/XXXX, and are still continuing today. XX/XX/23
Product: Credit card or prepaid card

I have had a chronic problem with Comenity Bank and the untimely application of payments. On this occasion, my issuing bank confirmed that this month 's payment was issued on XX/XX/2023 for delivery by XX/XX/2023. The payment has never been applied and Comenity alleges they never received the payment even though I have several bank records proving otherwise. Relevant excerpts are attached. I am being asked to issue a stop payment for a fee of {$35.00}, which is unreasonable, as the error is with Comenity. In order to preserve my on-time payment record, I issued another payment, this time through Comenity 's on-line payment portal and that was properly applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with 2 accounts and inquiries I did not authorize and they are not mine and they are affecting my life please delete
Product: Checking or savings account

I am the daughter and the court appointed Personal Representative Estate of my mother. My mother died on XX/XX/2020. On her date of death, XX/XX/2020, she had in her Credit Union checking account {$510.00}. 

On XX/XX/2020, my mothers husband/spouse notified the credit union of her death. 

On XX/XX/2020, a {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX was deposited to the checking account, for XX/XX/2020 pension. 

On XX/XX/2020, a {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX was deposited to the checking account for XX/XX/2020 pension. 

On XX/XX/2020, a {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX was deposited to the checking account for XX/XX/2020 pension. 

On XX/XX/2020, the XX/XX/2020 {$340.00} deposit was ( returned/Reclaims ) Paid To the XXXX XXXX XXXX 

After my mother 's death three separate amounts of {$340.00} were deposited into my mothers Credit Union non-joint checking account. My mothers husband notified the credit union on XX/XX/2020 of my mother 's death. The credit union did not put a hold on the first two deposits. Another deposit of {$340.00} was deposited on XX/XX/2020 and was returned on XX/XX/2020. The pension company tried to retrieve the first two deposits but the credit union did not return or release the funds to the pension company. 

I was under the assumption that the credit union froze those funds to pay an outstanding loan, but the funds were not froze and my mothers husband used the funds. The credit union said I have to get my mothers husband to return the funds to the pension company.
Product: Checking or savings account

On XX/XX/2023, before XXXX XXXX XXXX XXXX I noticed two unauthorized ATM withdrawals from my PAYFARE checking account. The first unauthorized ATM withdrawal was for {$100.00} and the second unauthorized ATM withdrawal was for {$2.00}. I immediately locked and cancelled my debit card and contacted PAYFARE via phone number XXXX. I was instructed to fill out and submit a dispute form immediately, which I subsequently did the same day. I was also instructed to order a replacement debit card in which PAYFARE charged to my account for {$5.00}. During the phone call, a PAYFARE representative informed me that I would be contacted within 1 -2 days with a resolution. This didn't happen. I called on XX/XX/2023, to ascertain a status update in which the PAYFARE representative gave me a pending status. PAYFARE has disregarded my complaint and dispute. PAYFARE has also disregarded the fact that these transactions were ATM thefts. I now believe that PAYFARE is responsible for these two unauthorized ATM transactions.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep disappointment and frustration regarding the second attempt to remove fraudulent items from my Credit Report with Credit Bureaus. Despite my previous efforts to address this issue, I am disheartened to find that the fraudulent charges remain unresolved. 

As I previously communicated, I reported several unauthorized and fraudulent charges on my account. In response, I diligently followed your company 's prescribed procedures, promptly notifying your customer service department and providing all necessary documentation to substantiate my claims. Following a thorough investigation, I was assured that the fraudulent charges would be promptly removed, restoring my account to its accurate state. 

To my dismay, I recently received my most recent account statement, which still reflects the same fraudulent charges that I initially reported. This ongoing issue not only causes financial distress but also erodes my trust in your company 's ability to protect my financial interests. 

I have attached copies of my previous correspondences with your company, as well as the documentation that clearly demonstrates the fraudulent charges in question. It is crucial to emphasize that these charges are the result of unauthorized transactions that occurred without my knowledge or consent, and I have taken all necessary steps to prove their fraudulent nature. 

I urgently request that you take immediate action to investigate and rectify the fraudulent charges on my account. These charges have not only caused undue financial hardship but have also seriously impacted my confidence in your company 's commitment to customer security and satisfaction. 

Additionally, I kindly request that you provide me with written confirmation once the fraudulent charges have been removed from my account, along with an explanation of the corrective actions taken to prevent such incidents from recurring in the future. Customers like me rely on your company 's security measures and prompt resolution of fraudulent activities to maintain trust and satisfaction. 

If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your immediate assist to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Our company initiated an ACH payment to a trusted vendor in the amount of {$55000.00} through our financial institution Bank of America. Someone impersonating the company we were paying intercepted email communication and assumed a fake identity. We were obviously not aware of the imposter, so we proceeded with payment to our vendor. Once discovering this, we immediately contacted Bank of America and our software company XXXX. After three weeks of back and forth, everyone pointed their fingers at one another and said it was on me ... What protections do we have from our financial institutions from cyber criminals? We are a very small business than this loss will set us back nearly 6 months in revenue.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX, XXXX : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX with a balance of {$420.00} under the account number XXXX, an XXXX XXXX account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$450.00} under the account number XXXX, a XXXX XXXX account opened at XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$620.00} under the account number XXXX, and a XXXX XXXX account opened at XXXXXXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$790.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Debt collection

What happened is this company I.C.SystemXXXX XXXX XXXX XXXX XXXX stating that I owed debt, {$4600.00}, on supposedly a loan that I requested in XXXX, which I never did or have knowledge of..It 's in collections This is Not my debt and asked for it to be resolved and removed off my credit report! I called the company and it's false representation of XXXX based off the phone number it's a different company name/number. I called and verified but it's not I.C.system or XXXX XXXX XXXX XXXX. SEEMS as a Company using other companies legit information and scamming people such as myself. I would like this to resolved ASAP. and removed from my credit report ASAP.