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

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This complaint is regarding Flagship Credit Acceptance. In XX/XX/XXXX we had our XXXX year old daughter XXXX XXXX from a XXXX XXXX, in XX/XX/XXXX we had our oldest daughter XXXX years old go to sleep and and not wake up, died from XXXX   XXXX XXXX. This year in XXXX we had our XXXX year old grandson XXXX XXXX on the basketball court from a XXXX. We have buried XXXX children in the last 14 years. We asked that Flagship put a payment to the back of our loan so that we could bury our daughter who had no insurance. Flagship said they would and did not when we found out until the next month that they didn't do what they said they were going to do. It took Flagship 2months to do the paperwork, when it finally made the payment now they showed me 30 late. Due to the other deaths in our family we have asked them to do the same thing and again got the same results. We are caught up, but not 30 days late around 25 days late. Every week for the last two months I have been getting several phone calls per week, but yesterday XX/XX/XXXX I received 7 phone calls from flagship including a call at XXXX XXXX. This to me is harassment and I want it to STOP.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a dispute was submitted to XXXX on behalf of XXXX Bank, XXXX bank XXXX and XXXX XXXX Bank. The Dispute disclosed the evidence needed to validate that the Debt that is reported to being to XXXX BANK, XXXX BANK XXXX AND XXXX XXXX BANK in fact does not belong to those credit agencies as they have been sold to another company and paid. 

XXXX BANK account ending in XXXX was sold to XXXX XXXX XXXX XXXX ( XXXX File Number XXXX ) Final payment was resolution payment was received XX/XX/XXXX. 

XXXX BANK XXXX account ending XXXX was sold to XXXX XXXX XXXX XXXX and final resolution payment was received XX/XX/XXXX. 

XXXX XXXX Bank was sold to XXXX XXXX XXXX. 

by XXXX agreeing to publish the inaccuracy of the account information on my credit report, they too are violating the FCRA statue.
Product: Credit reporting or other personal consumer reports

Early Warning Systems is using bank information that pertains to fraudulent account openings and balances that are NOT my actions and I had no knowledge of such until i requested my report after I was denied opening a checking account. I requested a copy of my report and then submitted dispute via mail ( not certified unfortunately ive never done this before so I didnt know I should have sent it that way ) and i did not receive any correspondence. I have never owned a XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX or XXXX XXXX account. I am a victim of extensive identity theft, that of which I have a case with XXXX to restore my identity due to their data breach. I have been prevented from opening credit cards, bank accounts, personal loans, car loans, etc. they have completely butchered my livelihood by reporting false and fraudulent information amongst themselves, illegally might I add. I have no knowledge of any information in the attachments included in this complaint. I will also include my equifax claim number to verify I am a victim of the breach and am suffering from identity theft.
Product: Debt collection

I paid a charged off account that I had with AvantCard in the amount of {$740.00}. The first payment was made XX/XX/2023 in the amount of {$50.00} and the second was made on XX/XX/2023 in the amount of {$690.00}. 

Towards the end of XXXX I received a notice that a new collections account was reported on my credit reports from XXXX XXXX. XXXX XXXX shows that I owe {$740.00}, since apparently they purchased the account from Avant. This is not accurate as I paid Avant in XXXX. 

Avant sent me an email after an inquiry from me telling me that they would forward the payment in XXXX. I contacted them today, XX/XX/XXXX, and now Avant is telling me that the payments are pending ( which is not true as I have proof that they posted from my bank accounts ). Makes no sense to be pending since they were made over a month ago. They say somehow XXXX XXXX should have access to that ( which makes no sense since I paid it on Avant 's website ). XXXX XXXX says they should have received the payments since they were paid so long ago. 

I don't know who is in the right and in the wrong but I know that my account has been paid and it's now being reported incorrectly on my credit report as a new XXXX XXXX collections account with a balance even though it was paid before XXXX ever showed up on my credit report. This is not accurate and needs to be resolved by both companies.
Product: Credit card

My problem with PayPal Credit / Synchrony started in XX/XX/XXXX. I contacted them, and asked for a clear statement of charges because their statements are confusing and only list deferred interest for the promotion. 
On XX/XX/XXXX statement, I contacted via the chat function on PayPal and spoke to a representative in the name of XXXX XXXX and asked them why the minimum payment is {$970.00}, of which promotional balance was in the amount of {$100.00} and {$270.00}. He then informed me there is a non promotional balance in the amount of {$590.00}. Please note this is not reflected anywhere in the statement. I kept asking for the breakdown of this {$590.00}, and they finally said it was for a cash advance of {$290.00} made on XX/XX/XXXX to XXXX and another Cash advance charge in the amount of {$210.00} made on XX/XX/XXXX to XXXX and proceeded to say these are not considered interest free promotions. However, both these purchases are on the deferred interest purchase program las part of the promotion they never explained to me why these were considered cash advances. These charges are still on my list as deferred purchases. After all this, I still did not receive a clear break down of the {$590.00}. I paid {$1000.00} to the credit card bill. 
This month, XX/XX/XXXX statement, I contacted them today to ask why again my payment for the next month is {$1000.00}. The customer representative in chat, named XXXX XXXX XXXX, said I have {$470.00} in expiring promotions and then once again {$590.00} in non-promotional balance. When I asked again, for a break down of the non-promotional balance for {$590.00}, XXXX could not answer me because she/he was unable to figure out the non-promotional balance and it needs to be investigated. I refuse to pay {$1000.00} without getting a clear breakdown of exactly what I am being charged for and why. 
The statements presented to me are unclear of what I am being charged for and I think Paypal Credit and Synchrony need to be investigated for predatory credit practices.
Product: Credit card or prepaid card

On XX/XX/, I initiated a balance transfer of {$2500.00} from my Citibank Simplicity Credit Card to my XXXX XXXX XXXXXXXX Credit card. However, I put the wrong numbers on the balance transfer form. On the second set of 4 number I put two XXXX XXXXs instead of two XXXX  's. Citi found the error and explained it to me. The representative said the money would be back on my card in 3 business days. That didn't happen, so I enlisted the help of XXXX XXXX  XXXX to help me fix this on XX/XX/XXXX. Citi opened an investigation and gave it a reference number XXXX. After two more investigations, and another trip to XXXX  XXXX XXXX on XX/XX/XXXX for their assistance, Citi said they would expedite this and I would have the credit on my card in 48 hours. Instead, I got yet another letter saying the balance transfer was sent sucessfully to a XXXX XXXX account. I never heard of XXXX XXXX, and they don't want to talk to me because I have no business with them. Many phone calls later, I'm no further getting this resolved, and I'm paying interest on money I don't have, not to mention what it's doing to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files.
Product: Credit card or prepaid card

My credit card was charge for {$1900.00} for case # XXXX. The company " XXXX '' charge my card but did not provide the services they advertised and offered and has fraudulently misrepresented their billing and is incorrectly charging my for services they did not deliver. 

I provided Capital One with proof of this and they refuse to handle the claim correctly.
Product: Credit reporting or other personal consumer reports

Today I noticed in my credit report that a fraudulent account were reported in my file. I did not open a XXXXXXXX XXXX account. I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so tired knowing that my concern was not attended by XXXX!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit card or prepaid card

I am being charged for items I do not have. I have contacted XXXX XXXX  and Synchrony about these charges. With no help. I have asked for proof of purchase to be sent to me including name and signed invoice or delivery slip. Which after waiting for 30 days I have not received until XXXX XXXX which does not belong to me! I am XXXX XXXX not XXXX XXXX this is a fraudulent charge and according to my rights I want it removed immediately from my credit. I spoke with XXXX at XXXX XXXX on XXXX XXXX who confirmed in the begging of our conversation that the items are returned/refused.
Product: Credit reporting

My names is XXXX XXXX recently i 've checked my credit report and came across XXXX inquiries about my score i 've checked on the inquiries and they have popped up coming from different states i 've never been too like XXXX XXXX and XXXX these inquiries are from XXXX XXXX XXXX, XXXXXXXX XXXX card i would really appreciate your help and assistance in taking care of these inquiries i am worried about my credit information so please help me figure out these situation.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Re : Account number : XXXX To Whom It May Concern : I am responding to your help with the Cerulean credit card complaint. while paying my account as Agreed, with auto pay, with credit card limit. I was not notified of the excessive fee charge, which put my credit card over the limit, with a minimum payment due to {$510.00} by XX/XX/year>. On XX/XX/year>, I tried to make an online payment, which would not allow payments on my account, which stated Not Available. I received a notice from the credit bureaus stating my credit scores dropped by XXXX points. According to the Bill passed by Congress last year, credit card companies can not overcharge their clients with inflated fees. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went out on an interview so I had to get a back ground check and i seen some things that I was not familiar with. The letter I received said I might be a victim of a identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an alert that my credit report from Equifax had been pulled by XXXX XXXX. Since my cell phone service is with them, I thought they were just doing a random check. Then i realized that the account is not under my name and they would not have my social security number. I then called XXXX on XX/XX/XXXX and spoke with customer service. They explained that they did not see an account with my Social Security number. I explained about the credit pull and asked to speak with the fraud dept. I was transferred and spoke with someone in the Fraud Dept. When they looked up my information, they stated that they see that an inquiry was pulled and that the realized that the account being opened was fraudulent and that no account was opened. I asked about the credit pull and they stated that a request had already been sent to Equifax to have it removed. 

I then went to the Equifax website and put in a dispute for the credit inquiry under the the reason that I did not authorize the report.. Their confirmation states that it could take up to 30 days for the dispute process. I received a response back within 48 hours stating that they would NOT remove the inquiry as it was a true reflection of a request on my credit. On XX/XX/XXXX I then put in another request to have it removed under the reason of this is a fraudulent inquiry. I again received a response back within 48 hours with the same response that they would NOT remove the inquiry as it was a true reflection of a request on my credit. I then called Equifax and was told the same thing that it was a true reflection of a request on my credit. I can now see that Equifax allows you to put in a dispute for fraudulent activity but denies the claim everytime. They also stated that they have not received and request from XXXX to remove the inquiry. 

I then called XXXX and requested to speak with the fraud dept once again. I was again told that the request had been submitted to Equifax to have the inquiry removed. 

It is now XX/XX/XXXX and the inquiry is still on my credit.
Product: Credit reporting or other personal consumer reports

I was a victim of domestic XXXX and I was coerced into co-signing an automobile loan. I did not benefit from this agreement, I did not drive or ride in the vehicle. The loan defaulted and the vehicle was repossessed during the XXXX pandemic. Due to the mandatory lock down, I did not have money to pay the late payments. 
After an incident with law enforcement arresting my ex, I left the relationship. I am unable to get approved for any type of loan. I can not open bank accounts. I can not rent an apartment, I can not buy a car. I can not rent a car because I do not have a credit card. 
I notified the 3 credit bureaus and placed a freeze on my reports.

I sent a copy of the police report to the finance company and they refused to remove me from the loan.
Product: Credit reporting or other personal consumer reports

Upon reviewing my payment history, I noticed that although my payments were made within the required 30-day period, they were posted to my account after the 30-day mark, resulting in a late payment being reported on my credit report. Two payments were made the month XX/XX/2023. One on XX/XX/2023 and the other on XX/XX/2023 for the entire balance. However payment, didnt post to my credit card until XX/XX/2023, causing the 30 day late. Please see attached highlighted payment history. from my bank transaction list. 

In addition this matter caused my limit to be dramatically reduced from {$4500.00} to {$500.00}. The low limit results in me rarely using this credit card.
Product: Credit reporting or other personal consumer reports

I am disputing the following charge-offs on my Experian credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have been reported inaccurately/incompletely, in violation of 15 U.S.C. 1681s-2 ( a ), which mandates that furnishers report accurate and complete information to credit reporting agencies. Additionally : 1. No 1099-C Forms Issued : None of these creditors provided me with the required IRS Form 1099-C for charged-off debt as stipulated by the Internal Revenue Code ( 26 U.S.C. 6050P ) for canceled or forgiven debt exceeding {$600.00}. This raises questions about the validity of the charge-offs.

2. Failure to Verify Reporting Accuracy : Under 15 U.S.C. 1681s-2 ( b ), creditors must verify the accuracy of reported information when disputed. If these charge-offs can not be fully verified and shown to me HOW they were verified, they must be removed. 

The inaccurate reporting of these charge-offs has caused significant harm to my credit standing. I request that the CFPB investigate these violations and direct Experian to remove these charge-offs immediately if the creditors fail to verify their accuracy or comply with all applicable laws.
Product: Money transfer, virtual currency, or money service

I was charged an unnecessary fee to cash a regions check at a regions bank. The check was a business check against a regions account and was presented for payment at a regions branch in person. I was told the fee served no other purpose than to incentivize customers to open a new account.
Product: Debt collection

During the afternoon of XX/XX/2020 A man showed up at an apt where my wife and kids live located in XXXX XXXX, FL. No uniform, no id, no logo on shirt. 

This is a private enclosed residential development and unexpected visitors must use the internal phone system to contact residence. My XXXX  small children and wife reside at this apt because random people are not allowed to just walk around or enter and knock on peoples doors. 

This man was not in uniform, did not disclose or share his name or state who he represented. Neither did this man furnish any form of official identification. My wife simply described the man as an Older XXXX XXXX Man. 

My wifes first language is XXXX  and she has difficulty understanding English. All my wife can tell me was that a man from the court possibly a police officer came to the apt demanding I show up in court. I know that police and court houses do not work this way. This individual also asked for her name. 

This individual left my wife with a bundle of uncertified ( No original county or state seal ) papers for a XXXX XXXX credit card and some from the XXXX XXXX county courthouse. 

I searched using my name and found a case, however ; based on the dollar amount from the XXXX papers I suspect that this case could be fraud/incorrect or some kind of collections scheme.

I have had issues in the past with collections, however ; this is the 1st time an un-uniformed man shows up where my wife and children live ... what seemed to be impersonating a county worker or law enforcement officer. ( This is how my wife described the individual and their conversation ) The only people who show up where my wife lives unexpectedly are XXXX, XXXX, XXXX, and her friends. Everyone else uses the phone system or calls before they come. The apartment development is private property. 

What if a criminal or a delinquent decided to impersonate a debt collector, officer or county worker, and raid the apt or XXXX one of my children? 

I am writing this letter because ... I have difficulty believing this type of activity/process/procedures are endorsed by the Police of XXXX XXXX and the County of XXXX XXXX XXXX. If XXXX XXXX XXXX XXXX is behind this they were trespassing, impersonating to be gov employee or officer and harassing my wife.

I have asked my wife three ( 3 ) times what the Mans name was, and she can not tell me.
Product: Debt collection

I sent letters dated XXXX XXXX, XXXX ; XX/XX/XXXX ' and and a registered letter on XX/XX/XXXX to Midland Credit. I am attempting to get this off my credit report so I can qualify for senior subsidized housing. No response. This debt was a right off from XXXX XXXX that Midland Credit bought.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the credit reporting agencies TransUnion for their failure to accurately report my XXXX account, despite my prior disputes. 

This account was charged off and reported to the IRS as a profit and loss, meaning it should no longer be considered collectible. However, despite being closed with a {$0.00} balance, the credit agencies updated the balance to {$840.00}, which is inaccurate and damaging to my credit profile. 

I previously disputed this erroneous reporting, but instead of correcting the issue, the credit agencies verified the incorrect balance, effectively worsening my credit status due to their failed attempt to update the account. 

Violations of Federal and State Law : 1. Violation of IRS Reporting Laws ( IRS 1099-C & 26 U.S.C. 6050P ) When a creditor charges off a debt as a profit and loss and reports it to the IRS on Form 1099-C, they are legally acknowledging that the debt has been canceled.

Under 26 U.S.C. 6050P, the reporting of canceled debt to the IRS means the debt is no longer legally enforceable.

The credit agencies continued reporting of a balance on a canceled debt violates IRS regulations and constitutes false reporting.

2. Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) The credit bureaus are required to conduct a reasonable investigation when a consumer disputes an account. Instead of correcting this charge-off, they updated the balance to an inaccurate amount, worsening the error.

Failure to delete or correct inaccurate information is a direct violation of the FCRA.

3. Violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) Under FDCPA 15 U.S.C. 1692e ( 8 ), debt collectors and credit reporting agencies are prohibited from communicating false credit information, including failing to report that a debt is no longer owed.

Since the original creditor already charged off this debt and reported it as a loss, updating it to a new balance of {$840.00} is an unfair and deceptive practice.

4. Violation of South Carolina Consumer Protection Code S.C. Code Ann. 37-5-108 Under South Carolina consumer protection laws, unfair and deceptive acts, including the misrepresentation of debt obligations, are prohibited and actionable.

The credit agencies refusal to correct this charge-off and their inaccurate reporting constitutes an unfair credit practice under South Carolina law .