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

I have done my due diligence in regards to four accounts. I have contacted the companies that these are unverified and no contract accounts since XX/XX/XXXX. By calling and disputing over the phone. Also mailing four rounds of certified XXXX dispute letters sent. Last sent certified XX/XX/XXXX. These are the accounts : XXXX XXXX XXXX   {$300.00}, XXXX XXXX {$400.00}, XXXX XXXX  XXXX XXXX {$310.00} and XXXX XXXX {$300.00}. This has been ongoing since XX/XX/XXXX and now XX/XX/XXXX. It is time to get a resolve of closure. 

These accounts are reporting closed Collection accounts but currently open and over credit limit by {$1.00}. derogatory remarks, late payments and charge offs/Bad Debt. All of this is negative reporting. 

I have been fighting these accounts and hard inquiries since XX/XX/XXXX. These are preventing me from home ownership my lender continues to tells me. They need to be removed off of my reports it is causing adverse direct affect to my credit scores. 

There were also certified Hard Inquiry Letters with company name and date of inquires listed sent to each bureau XXXX, Equifax and XXXX  in XX/XX/XXXX too. 

I filed online complaint with Consumer Financial Protection Bureau in XX/XX/XXXX in regards to these four accounts. First I find it unacceptable from Equifax that my address provided is not reporting in my credit file. Since XX/XX/XXXX through XX/XX/XXXX I had received several correspondence in regards to updated personal information, inquiries and new accounts. Even updated reports through that time period to the address I provided. Nothing had changed. As a bureau just not dealing with the delete and removal of these accounts. 

I requested from each bureau to provide name of investigator of my file which is a Federal right and to provide signed contracts to verify accounts as mine. You ignored this request as well which is evidence of your willful disregard of the Law. By sending email or whatever form of verification to CFPB on your part of said investigation is in violation. Also continuously telling me to contact the companies is shifting the burden and in violation of 15 U.S. Code 1681 ( a ) ( 4 ). The dates in May of initial complaint shows there wasn't a 30 investigation done. 

I am a consumer and intend to pursue litigation in this matter.to enforce my rights under FRCA. 

I demand that you delete all of the accounts listed and hard inquiries in certified letters immediately. I want an updated and corrected credit report showing that these items have been deleted and removed. This is my complaint and demand.
Product: Credit reporting or other personal consumer reports

BANK OF AMERICA IS REPORTING AN ACCOUNT NEGATIVE ON MY CREDIT FILE AND SHOULD NOT BE THIS IS ON MY XXXX CREDIT FILE
Product: Debt collection

Was contacted about a medical bill from 2015 wanting payments. I didn't know I owed this. Have not received and bills or communication from the medical bill in the 7 years never have had this happen so don't know how to proceed. I can't have my credit demolished because of something I didn't know I owed
Product: Checking or savings account

I opened my account during a promotion to receive {$200.00} for establishing an account and setting up direct deposit of {$1000.00} within 60 days. I opened the account XX/XX/XXXX the last day of said promotion. I met the terms by XX/XX/XXXX. I waited the requisite 60 days from meeting the terms to contact the bank, I called in several times over the course of 2 weeks and never heard anything back. Eventually after  having to go into the actual branch and having people tell me that they would contact their promotions team and get back to me another and not hearing from anyone their response was that the agent who opened the account did not attach the promotion and it has expired so they would not be giving me the bonus. This is unacceptable as I opened the account within the designated time frame and met all the conditions, this was a mistake on the part of U.S. Bank and their employees and therefore needs to be corrected by them otherwise it is false advertising.
Product: Student loan

Good morning, My student loans were transferred to Mohela in XXXX and then I called Mohela to find out about PSLF one time review that Biden set-up ( not the $ XXXX forgiveness for students who have grants but a review to see if my entire balance may be forgiven ) and I was told it would be in my best interest to re-consolidate my loans. 

Following this recommendation, I reconsolidated and my loans were returned to Mohela on XXXX My PSLF payment count still shows zero and it has been 3 months. They have been telling me all along to give them 90 days to update my payment count. Now that it has been 90 days, they are telling me to wait 90 BUSINESS DAYS. This is ludacris. I know that they have a lot of loans to process, but I have spent hours and hours on the phone and no one can tell me anything except to wait. 

I little while back I was told that they started working on my loans forgiveness on XX/XX/ and to allow 90 days from that date. But there still hasn't been any movement on my loans, at all. My payment count still shows zero, and now they are telling me to wait 90 business days? Prior to consolidation I had almost 100 payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Can you please help me? I applied for the one time review prior to the deadline of XX/XX/ and I am becoming VERY concerned. This morning I did an online chat with a gal names XXXX and she couldn't tell me ANYTHING except to wait 90 business days. 

Warm Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

My family and I were affected by Hurricane Ian and Nicole during the months of XXXX and XXXX in 2022. I called XXXX  XXXX XXXX on XX/XX/2022 and Spoke to XXXX to explain my situation and hardships with payments due to the hurricane and he advised me that the late fees would be removed from my credit card account and no late payments would be reported to the credit bureaus. My credit report has a late payment for the month of XXXX. I tried to dispute this with XXXX XXXXXXXX XXXX multiple times and they will not remove this from my credit reports. Even with the difficulties we endured during this natural disaster I still made payments on my account in XXXX and XXXX. I have been banking with XXXX XXXX XXXXXXXX for almost 10 years with my oldest credit card account of 6 years and not a single late payment with them.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., against Equifax Information Services XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX. The subject of my complaint involves inaccurate, unverifiable, and misleading information reported on my credit report, causing me financial harm and emotional distress. Despite multiple disputes sent to the credit reporting agencies, the inaccuracies remain unresolved. 

Details of Complaint : Accounts in Dispute : XXXX XXXX XXXX XXXX inaccurately reported as Charge off. 

XXXX XXXX inaccurately reported as Charge off. 



Nature of Dispute : No evidence exists of my agreement or consent for these accounts. Verification requires the original negotiable instrument, as copies do not satisfy the Federal Rules of Evidence ( FRE ) Rule 1002, which mandates the production of the original document to prove its contents.

Reporting based on incomplete or derivative records violates 15 U.S.C. 1681e ( b ), which requires reporting agencies to ensure maximum possible accuracy. 

The credit reporting agencies have not demonstrated their delegation of authority to report " charge-offs '' when they have not properly verified the underlying information as accurate and complete. 

Without the original certificated security or verifiable documentation, the reported debt is legally deficient and must be removed as unverifiable under 15 U.S.C. 1681i.

Furthermore, charge-offs are classified as income per the IRS. Income, by definition, can not be reported as a debt or delinquency on consumer credit reports, creating additional inaccuracies in reporting. 

Certificated Security Claim : As the Certificated Security Holder of my estate, I assert the following : Any reported debt against my credit file must be validated through the production of the original certificated security, promissory note, or equivalent legal documentation. 

Copies or derivative evidence are insufficient to meet the evidentiary standard under the Federal Rules of Evidence ( Rule 1002 ).

Without the original certificated security or verifiable documentation, the reported debt is legally deficient and must be removed as unverifiable under 15 U.S.C. 1681i.

Attempts to Resolve : I sent dispute letters to the credit reporting agencies on XX/XX/year>. 

Each agency failed to conduct reasonable reinvestigations as required under 15 U.S.C. 1681i ( a ) ( 1 ). No corrective action was taken, and the inaccurate information remains on my report.

Harm Suffered : Financial harm, including credit denials and increased interest rates. 

Emotional distress and reputational damage due to the inaccurate information being disclosed to creditors. 

Defamation of character caused by the dissemination of false information.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts on my credit report, as I am a victim of identity theft and a recent data breach. Pursuant to 15 U.S. Code 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any accounts resulting from fraudulent activities removed from my credit report. 
The following accounts are inaccurate and have not been authorized by me : XXXX. XXXX XXXX XXXX XXXX : XXXX o Open Date : XX/XX/XXXX o Balance : {$750.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$470.00} XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Open Date : XX/XX/XXXX o Balance : {$890.00} XXXX. XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$26000.00} XXXX. XXXX XXXX Account XXXX : XXXX o Open Date : XX/XX/XXXX o Balance : {$18000.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$890.00} Additionally, please remove the following unauthorized inquiries from my report : Bank XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Resident Verify Date of Inquiry : XX/XX/XXXX XXXX Card Date of Inquiry : XX/XX/XXXX
Product: Vehicle loan or lease

This is the second complain that I'm filing and I wont stop until I get transparency from this lender and the CFPB does something. 

The situation has even gotten worst since my first complain. My original complain was that suntrust wasn't applying my over payment to my principal balance. Now suntrust is charging me late fees? HUH someone explain if my monthly note is XXXX and i pay XXXX biweekly on auto draft ( never bounced ) how can i be late when suntrust in writing replied to the CFPB that i had made three payment in advance in my account. 


Someone from the CFPB needs to look in to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that along with my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite three written requests, the unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. I am a victim of identity theft and I have provided you with a : 1. Identity Theft Affidavit 2. Identity Theft Police Report The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be removed from my credit report : Dept of Edu/ XXXX  : 20 various accounts US Dept of Education- XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX & XXXX : XXXX XXXX XXXX XXXX  : XXXX  # # # # # # XXXX Hard Inquiries XXXX/XXXX  Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Finance Companies XXXX non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Specialty Clothing Store Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Following Inaccurate Addresses XXXX XXXX XXXX XXXX , CA, XXXX XXXX XXXX XXXX XXXX XXXX , CA, XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX , NJ, XXXX XXXX XXXX XXXX   XXXX, WA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account number XXXX The Credit Bureaus stated my account was properly investigated but how is that possible the last date reported is inaccurate. The last date active is inaccurate, and the payment status says collection/charge-off this is inaccurate information because their can be to different payment claims it has to be either a charge-off or collection it can not be both. The payment history is also inaccurate in shows no activity for the last 3 years with that being stated no actually debt is owed. This is ground for removal and this is a clear violation of 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 without my written instructions.
Product: Vehicle loan or lease

I XXXX XXXX XXXX entered into a consumer credit transaction with Flagship Credit Acceptance on XX/XX/2021. A consumer credit transaction is an transaction in which a finance charge is involved. 

Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill. On XX/XX/2021 Flagship Credit Acceptance sent me a bill which is a violation of 15 USC1692 ( b ). Also this company is criminally and civilly liable for repossessing this vehicle which is a violation of 15 USC 1692 ( f ).

Pursuant to 15 USC 1611, Flagship Credit Acceptance is criminally liable, they are also criminally liable for double the amount of finance charges. 

Pursuant to 15 USC 1640 and they are liable for each FDCPA violation, pursuant to 15 USC 1692 ( k ). 

I am demanding they remove this alleged debt from my consumer report, or remit payment to me violations & apologize.
Product: Credit reporting

TransUnion refuses to remove a public record from my report in accordance with NYS GBL 380-J ( F ) ( iii ). TransUnion states " we do not follow part of the law '' and does not differentiate between a paid tax lien and a paid sales tax lien. Despite the later is to be removed withing 30 days, the former remaining for 7 years. 
TransUnion refuses to verify this information with the original creditor ( NYS ). 
*see attachment
Product: Debt collection

IRS FRAUD and United States Code Law Violations One Main Financial Account # XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil Liability for willful noncompliance and 15 U.S. Code 1681o Civil Liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION One Main Financial is trying to collect on an alleged debt despite not creating consumer account for securitizing consumers retail installment agreement which under 16 CFR 433.1 is indeed a credit sale as consumers social security number was used in said transaction. One Main Financial has not provided consumer with official treasury forms filed under consumer social number as described by XXXX as a credit card. Consumer reporting agency ( XXXX, XXXX, and XXXX ) hard inquires shows proof consumer credit was pulled. Which by the rules govern said company under the FCRA, FTC and 16 CFR 433.1, 16 CFR 433.2 and 16 CFR 433.3 company is bound to follow all guideline when offer retail installment agreements per the contract as a consumer my rights can be altered at any time. 
As for the XXXX, XXXX, XXXX that One Main Financial has filed with treasury department under the rules of the XXXX company must provide consumer with a copy for accurate IRS reporting for any debt over {$600.00}. One Main Financial is not filing the proper taxes with IRS which is fraud. Due to companys non-compliance consumer will have no choice but to file form XXXX along with other applicable XXXX IRS forms under filing IRS with the treasury to audit consumers account to make sure accurate reporting and taxes are rendered per the security agreement signed under One Main Financial with the XXXX XXXX XXXX along with all XXXX IRS forms needed to conduct an audit on consumer account. 
One Main Financial has also securitized consumers promissory note indenture trustee over securities yet have not credited consumers accounts accurately. Due to the recent change in consumer laws please serve this as notice that upon a valid proof of claim notarized under penalty of perjury consumer refuse to remit any funds until all documentary evidence of the accounting on the public and private side of consumers account. One Main Financial immediately stop any reporting until said company provide all information under the penalty of perjury for documentation.
Product: Money transfer, virtual currency, or money service

Despite the previously provided answer on Complaint ID XXXX ( attached ), OFAC reports they can not locate a record of the funds described in our correspondence as being blocked ( attached ).
Product: Payday loan, title loan, personal loan, or advance loan

Once again I was denied. This time though the company offered an installment payment plan ; XXXX $ now, XXXX $ in XXXX weeks, etc. It was an option that would be available at checkout. I then proceeded to move the necessary federal reserve notes onto paypal to insure the first payment was there, ro initiate the process. Mind you, no finance charge was mentioned, no option to opt out was offered. After putting the funds ( federal reserve notes of comparable cash ) onto paypal, I then proceeded to follow up on the checkout and upon checking out and choosing the pay in XXXX ( which I've been denied before and this time was told that a down payment was necessary ) I was told that paypal was checking something ... .I was then told that I was being denied and that an email was being sent to me with information regarding the denial... AND I LITERALLY JUST FOUND OUT PAYPAL CHARGED ME XXXX XXXX WHICH WAS THE AMOUNT FOR THE PRODUCT I WAS PURCHASING AND TRYING TO PAY INXX/XX/XXXX WITHOUT MY CONSENT!!! Since paypal denied me the credit and opportunity to pay inXX/XX/XXXX the site took the option off the screen and left me with only the option of using my XXXX  card ... YET THEY STILL CHARGED ME XXXX $ even though I used my XXXX..I even got a text from XXXX  confirming the payment!!
Product: Credit card

When I ran my credit report to buy a home I found a credit card from Capital One on my report ..I do n't have nor have I ever had a capital one account..I called Capital One and got the run around being passed from person to person who kept asking for the card number..I do n't have an account how can I have the number..Told them I was calling the fraud department for a fraudulent account they put me in touch with a person named XXXX who said she would call me back in 24 to 48 hours.. never did, than I find out that they closed the investigation and were holding me financially responsible for this account..How can I be held responsible for an account I never opened someone else did and they wo n't return my calls to resolve this matter..It 's XXXX dollars and is wrecking my credit they do n't care..I need help to get this off my credit
Product: Debt collection

XXXX TRIED TO SPEAK WITH ACCURACY AND NOT BE NEGATIVE BUT XXXX XXXX XXXX XXXX KEPT PUSHING AND THREATENING WHEN I ASKED COULD SHE VERIFY THE DEBT. I ASKED QUESTIONS ON RECOREDED LINE AND SHE REFUSED TO ANSWER AND DID SAID PUT HER ON HOLD TO CALL ORIGINAL DEBTOR. SHE ALSO SAID SHE SENT A CERTIFIED LETTER NOTHING ON THERE WEBSITE IN MY FILE SAYS THIS INFO.
Product: Payday loan, title loan, or personal loan

This company lie at every turn. 
I took out this loan at the beginning of XXXX. I was told it was every two weeks. On  fridays. The payments were never taken. They would tske " membership fees '' and not the loan fee which makes no sense. 
Ive called on several occasions with no solutions. I was told memeber ship fee was XXXX but they actually take XXXX. Never on time. causing my account to overdraw. I asked them to stop membership fee and just tske loan amount. It was never done, they have compromised my bank account causing it to overdraw several times. My bank is now involved to stop the ach draft. 
I want to pay loan off by mail never any response. Emailed seversl time for correct address so it csn be recieved and i can close my account. 
This company is predatory loans. The amount is like 120 % interest by claimingthese membership fees outrageous. Please investigate them not just my account but the others they have scammed
Product: Checking or savings account

I received a text from this phone number : XXXX ( XXXX ) XXXX Saying I have alerts with CITI bank. 
I do not own any accounts nor have any affiliations with CITI bank under my name/ social security. 
The text states I have an account with them ending in a number I dont recognize. 
And a sketchy link to a CITI banks alert site. 
I checked online and you would only be texted an SMS alert from CITI if you register on their app to do a 2 step authentication. 
CITI bank also states the phone numbers they send alerts from and that number is not listed. 
This phone number is also a personal number registered from New Jersey. 
Pleas look into this as this is a scam and also a fraudulent banking scheme.