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

SST/ XXXX {$15000.00} This account has been charged off as a bad debt which is now considered income for me that is required that I file on my taxes according to the IRS and the FCRA income should not be reported on my consumer report The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 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 Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate.Duty : a moral or legal obligation ; a responsibilityAccurate : correct in all details ; exact.Prohibition : a law or regulation forbidding something. As Defined by The IRS. Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 15 USC 1681 s-2 says a furnisher of information to a consumer reporting agency is PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS 2021 publication. SEND ME MY FORM 1099-C that you should have sent when you Filled the account as a canceled debt. 
This account has been charged off as a bad debt which is now considered income for me that is required that I file on my taxes according to the IRS and the FCRA income should not be reported on my consumer report
Product: Mortgage

BSI Financial will not respond to emails from their e-mail portal. I have sent several e-mails requesting they update my escrow with the current tax year and they have not responded. After finding other reviews about BSI it's clear they don't respond to anyone using their e-mail portal. They need to remove the e-mail portal or respond. Can you please help get through to someone, so my records and payment are accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect SSN issue date and criminal conviction date provided by First Advantage Background Services Corp. were used in the decision not to hire me by prospective employer.
Product: Debt collection

This is a re opened complaint. This complaint is revolving and unsolved by Synchrony bank. 

Attempts were made to report identity theft to Synchrony in XXXX when sent a credit card increase amount for a card not mine. Synchrony went through 6 months of investigation and continued to deny my report ( not sure why they would accuse the person reporting of " benefiting? '' from an account reported as fraud? ) Attempts were made to clear my name through an alternative route, since Synchrony refused to acknowledge the account as fraud in XXXX XXXX  XXXX. Account was closed and taken off all XXXX credit reporting agencies. 

Account sold to XXXX, in my name, by Synchrony without my knowledge or consent in XX/XX/XXXX. 

Account reported as fraud in XXXX, once learned it was still under my name. 

All pertinent information was sent, certified mail, to Synchrony, on XX/XX/XXXX. Synchrony does not need to write me as they have passed the deadline to produce the documents I have requested. 
All information included, Synchrony currently has : 1. filed police report 2. proof of closed accounts in XXXX on all XXXX credit bureaus. 
3. Letter of steps taken ( sent to Synchrony previously ) to resolve the matter 4. Proof of credit standing prior to identity theft and before Synchrony 's negligence in the matter of identity theft. 
5. Reported theft of my name, social and address to : CFPB, XXXX,, company, credit bureaus frozen/fraud alert , postal service. 

In that letter, I requested the following, for my records ( under section FCRA, section 609 ) : 1. Original signature page of application for the credit card account claimed as mine 2. Original transactions and billing statements on the account claimed as mine 3. Original documentation of sign off to XXXX XXXX and how account was acquired/sold to XXXX. 
4. All documents shall be sent by mail so that I may catch the imposter, since Synchrony is unable and unwilling to do so for me. 

Synchrony was given over 4 years to produce the documents mentioned above ( XXXX ). This is a repeat offense. Synchrony did not produce documents by mail as requested then, or now.
Product: Credit reporting or other personal consumer reports

I filed a complaint with the Bureaus a month ago, but the wrong info on my report is still there. I haven't heard back from them, aside from your message saying the company replied to my complaint. How can I trust that they've really looked into the inaccuracies? What steps did they take to verify the accounts? This whole thing is so frustrating! It's been over XXXX days since I reached out, and the disputed accounts are still unchanged. If this keeps up, I might have to consider legal action because of the stress it's causing me. Plus, I'm worried about my personal data security after the XXXX, Experian, and XXXX breach.
Product: Debt collection

I contacted Hunter Warfield to try to get some documents on a debt they said I owe. The gentleman said I do not have the right to dispute the debt and refused to send me any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section XXXX XXXX a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Anything in this business name attached to this SS # account which is the identity and the tax identifier for my business needs my written permission, and any account and creditor that can not bring forth written permission of my consent should be removed. This individual account is attached to the assumed name " Legal Name ''. Which you can not have a SS # to a business and a individual account. These creditors are demanding I pay a debt. but only accept other debt instruments, therefore therefore the debt is not settled anyways.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and purchased a car through a dealer named as XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX TX XXXX. This dealer submitted credit application to many auto loan companies for hard inquiry on XX/XX/2023 and most of them rejected due to verification problem but TD AUTO finance approved {$140000.00} of auto loan without verification with me on XX/XX/XXXX. Then, the dealer released the car after a few days and the thief picked it up. 

I contacted the dealer for the details on XXXX XXXX and I discovered that the thief used a counterfeit driver license with my name on XXXX XXXX. 
I also contacted TD auto finance fraud department and reported the identity theft issue and they confirmed they will mail the ID theft victim 's affidavit package to my address on XXXX XXXX. 

I filed the identify theft case with FTC ( IdentityTheft.gov ) for XXXX XXXX ( Dealer ) and TD Auto finance on XXXX XXXX, 2023. 
I filed a Police Report with XXXX ( CA ) Police Department on XXXX XXXX and the police report was approved on XXXX XXXX. 

Along with XXXX XXXX and TD Auto Finance, 5 more companies made hard inquiry on my credit due to this fraudulent deal on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I contacted California Business Bureau regarding four accounts from XXXX XXXX that are on my credit report. I am unsure what these are for and I don't have any knowledge of these accounts. Despite my attempts to contact them, I have not heard back.
Product: Mortgage

My loan servicer was XXXX. I had automatic payments set up through my bank, XXXX XXXX XXXX, to make my mortgage payment to them every month. I did not realize XXXX sold my loan servicing to Arvest Loan Servicing effective XX/XX/2020. I did not realize this until after my payment transacted, on XX/XX/2020. Arvest has contacted me asking for the payment. I explained the situation to them, and they said they would contact XXXX to iron it out. They haven't. I contacted XXXX myself. They said they could not locate my payment, since they do not accept payments unless you are a current borrower, and that they would immediately forward to Arvest upon receipt. They haven't. I have continue to check with my bank, and the payment has not been returned- it shows as a valid payment sent via echeck on XX/XX/2020. In the meantime, Arvest is hitting my credit report with non-payment and charging me late fees. These companies need to figure out what's going on. I never asked anybody to buy or sell my mortgage servicing, and I didn't ever know they were going to. Now that they have, these massive corporations can't just shrug their shoulders at me while I'm out my {$1900.00} mortgage payment. It's sitting somewhere earning one of these companies interest. Meanwhile, it's hurting my credit, my ability to refinance, and they're charging me late fees for money they refuse to help me locate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review the attached documents.
Product: Payday loan, title loan, or personal loan

Citizen One bank ( Citizens Bank ) opened two fraudulent lines of credit in my name. 

I discovered the first line of credit on XXXX and contacted the bank. I had to explicitly request that they check if other lines of credit had been opened in my name, at which point I was informed that there was a second line of credit in my name. It took them over more than seven business days for them to send an automated email with instructions on how to submit a dispute. There is no way to contact the ID Theft Department directly -- I am forced to go through the regular customer service line ( they indicated that this was because of volume -- they just didn't have enough people to answer all their identity theft related calls ). The email they provided would not accept attachments -- even though this is the way they instruct you to submit your dispute materials ( I zipped and reduced the size of the files, and I tried from two different computers and two different browsers -- no luck ). They have yet to acknowledge receipt of my dispute packet, and I am unable to get through to any human being able to confirm anything related to the process. They also disputed my credit dispute with XXXX -- telling them it was accurate. 

I am appalled how little responsibility this bank has to address the problem. I am appalled that they allowed these two lines of credit to be opened in my name -- anyone actually reviewing my credit history ( excellent ) would have easily seen that I did not require two different microloans for two XXXX. As a consumer, I have been left with no way to get this problems fixed -- I am wholly at the mercy of this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are reporting incorrectly a balance due of {$180.00} on the XXXX XXXX   XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Pursuant to the email correspondence ( copy attached ), the loan company will request that this loan be removed from my credit report entirely when the report of repayment has posted. This account has been paid in full and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies never fail to do proper investigations. XXXX is an alleged debt. Not to mention the balance on my report says XXXX. They said the account is closed they are not attempting to collect because they sold to XXXX capital but then tell me that we will continue to report negatively until you make a payment. Not to mention I didnt even have a drivers license to even buy a car when this alleged debt was created. So how is this happening? This has been tarnishing my credit worthiness for years. Not to mention I never authorized the consumer reporting agencies to furnish this on my reports.
Product: Debt collection

Notifications about debt were not being sent to the correct address. They were apparently sent to a previous address that I no longer live at, therefore, I did not know a debt collector was trying to reach out to me. I found this out by trying to get approved for a mortgage loan to buy a house, and i could not due to these collection debts. 


Harvard collection : ( medical ) opened : XX/XX/XXXX reported:XX/XX/XXXX balance : {$42.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I went online to get my free credit report from TransUnion. They charged me {$19.00} and wanted to bill me for this each month. 
I just wanted my free annual credit report. Now I ca n't get ahold of them to stop this. Do n't want this at all.
Product: Checking or savings account

Retirement funds were dispersed into a Rollover IRA account through CITBANK. I got a letter saying citibank had the money in a money market account. I filled out the necessary documents one month ago requesting the money be transferred into my citibank checking account. I explained the request was dire ad my car was stolen from my apartment complex, my kids were starting school, and my rent coming up. I am facing eviction and to this moment citi has refused to transfer the money to the citibank checking account even though I and my kids are nearly homeless. There is no other parent in the home or out of the home. I have confirmed citbank has all the forms required. They wont allow me y To acess my money, each say I call I am told there is a " Glitch " and nothing a can do. They are cold and thieves. I asked what the glitch is and I am just told " system issue ". Another excuse is a " Glitch due to enhancements with simplified banking ''. It is very plain to see that Citibank us holding onto the money because they freeze and put on hold on accounts to thousands of peole every day unethical and immoral. I spoke to two supervisor XXXX XXXX XXXX and was told the " back office '' did an override a d removed the hold and I would get the transfer. Today I was told the two supervisors lied and there is no end in sight and there is zero I can do about it. Citibank will not give me acess to the money. I was originally told 2 bunessis days and now I'm told it's just too bad. They have the money a d won't release it. Since XX/XX/2023, I keep getting told I can't do anything to get the money
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A : States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Auto Finance is reporting a late payment to my XXXX  credit report for the month and year of XX/XX/2020. 
TD Auto Finance is reporting a late payment to my XXXX  credit report for the month and year of XX/XX/2020. 
This is inaccurate reporting. I've never made 1 payment late.

How can XXXX  and XXXX  report two completely different late payments both reporting as accurate when in-fact it is not? TD Auto Finance has yet to prove that I've ever made any late payments. Simply stating that I have previously made a late payment is not good enough. I NEED PROOF! I've already proven that TD Auto Finance is reporting inaccurate information to XXXX  and XXXX now I would like for the payments to be corrected to NEVER LATE. XXXX and XXXX  are reporting different months and the errors are clear.
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.

******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

Americollect is using my health records without my consent. This is a unlawful use of my private, personal medical health files. This is a direct violation of my HIPAA rights. I have filed a formal complaint with the US Department of Health and Human Services. They have obtained my information illegally. I do not have any contract with them.
Product: Debt collection

My son and his wife forged my wife and my signatures on an apartment lease. I filed a fraud charge to Rentdebt automated Collections and provided proof to them that it was not our signatures. To date it still shows as a collection account in my credit report. It 's been over 3 years now and it 's still there. 

This was in XXXX, XXXX. back in XXXX. We lived in XXXX XXXX, XXXX. at that time.
Product: Mortgage

I had a XXXX modification that took off {$10000.00} off my loan. I originally bought my house for {$110000.00} now my balance is {$84000.00}. I asked Nationstar to please remove my PMI since I am 75 % into the loan. They originally told me it would be automatically removed XXXX/XXXX/2017 or pay 20 % of the total loan. They are now telling me since I got my home modified XXXX they will not be removing the PMI because that was my original loan not my modification. This is all not making any sense to me. I am not trying to pay anyone to re-appraise my home and I did n't think it should matter. I am NOT delinquent on my loan. All this do n't make sense if I got my loan modified. Modification is suppose to help me afford my home. I 've been in my home for 9 years and I 've been paying a PMI of $ XXXX on my mortgage. Please help I am truly frustrated and I feel the Mortgage company is trying to get over on me. I 've never refinanced my loan just a modification was done.
Product: Debt collection

XXXX is attempting to collect a debt that is not owed. I do not have XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an Online Dispute regarding Account data in my XX/XX/XXXX Equifax Credit Report and although I've now received 2 email notifications indicating the dispute has been completed, I've been unable to access the results for 3 days.

After being unable to access the results again this morning, I shared my concern w/  Equifax via it's Online Chat service this morning. Although the Chat service fails to  capture the consumer content initially submitted, the remainder of the Chat has been posted below. 

XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : Hello XXXX XXXX, how may I help you? 
Me ( XX/XX/XXXX XXXX XXXX ) : See concern in submitted 'Chat '. 
XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : Thank you for notifying us of this issue. We apologize for any inconvenience you may have experienced. 
XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : We have a known issue on the website which has been already escalated. In this case we suggest you to contact a live representative over the phone. We apologize for any inconvenience you may have experienced. 
XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : You may speak with a Consumer Services team member at : XXXX. They are available Monday through Friday from XXXX XXXX to XXXX XXXX in your time zone. 
XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : Do you have any additional concerns? If no further assistance is required, please disconnect the chat. Thank you for contacting Equifax. 
Me ( XX/XX/XXXX XXXX XXXX ) : I need to see the results of the Dispute investigation before speaking w/ someone about the matter. 
XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : This type of action can only be performed by our Consumer Services Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX  XXXX XXXX {$90000.00} XXXX  XXXX {$1000.00} XXXX   XXXX XXXX {$850.00} XXXX  XXXX {$460.00} XXXX  XXXX   XXXX {$800.00} XXXXXXXX XXXX {$400.00}