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

My Synchrony Bank/Chevron  credit card was charge-off on XXXX, I never received a collection call either a letter about collection activity for this account. The account shows a balance for {$1800.00} on my credit report, so I called Synchrony Bank and asked the best way to resolve this matter. I was informed the bank issued an IRS 1099-C form on XX/XX/XXXX and they disclosed the account is not longer in collections, the bank is not collecting the balance and the debt was cancelled due to a 1099-C tax form and I can't make payments on the account. Since the account was cancelled, it should report {$0.00} balance on my credit report but it still reporting the original forgiven balance of {$1800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Here are the items that are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I did not sign any contract with the following companies.. Given the growing cases of identity theft, I'm sure that you'll agree with me that verification will protect both my interests and this company 's interest XXXX XXXX XXXX, XXXX XXXX XXXX, 01 XXXX XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, 01 XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, 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 am writing to file my final formal complaint regarding multiple violations of consumer protection laws by XXXX and Transunion. Upon reviewing my credit report, which began in XX/XX/XXXX after countless denials for a rental application, I have identified egregious discrepancies that directly contravene federal statutes designed to safeguard consumer interests. It is now XX/XX/XXXX and I am still dealing with the violations of this report, which have contributed to the trauma of my life since XX/XX/XXXX. 

Firstly, in accordance with the FCRA Section 609 ( 15 U.S. Code 1681g ), both XXXX and Transunion have failed to provide the original contract, a crucial document pertinent to the accuracy of the reported information. Furthermore, the non-provision of Form XXXX, as mandated by the Internal Revenue Service XXXX IRS ) XXXX constitutes a violation of tax regulations, exacerbating the already precarious situation. I've been requesting these documents since I first began disputing the account in XXXX. 

Most concerning is the dissemination of inaccurate payment history, balances, and account status, which directly contravene the Fair Debt Collection Practices Act ( FDCPA ) Section 808 ( 15 U.S. Code 1692f ). The presence of a purported past due amount subsequent to the charge-off status not only violates federal statutes but also calls into question the integrity of the entire credit reporting process. 

Continuously updating inaccurate information to my credit report but not providing any requested verification is several violations within itself.
Product: Debt collection

After reviewing my credit report i have noted some discrepancy on COMENITY VS validation was requested and none was provided. I have not received any correspondence from them only harassing calls.
Product: Debt or credit management

My vehicle was repossessed without a repo order or a validated written notification I was sent statements not verification and the statements are incorrect and I see XXXX missing out of statements I was a victim of breach of peace frivolous contract and Ive been manipulated tricked threaten And the accusations has been truly dis satisfying
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax deleted 4 fraudulent XXXX XXXX inquiries from my credit report but they left 5 fraudulent inquiries on my credit report.

No consumer in their right mind applies for credit from the same company this many times. It does not make sense a blind man can see that these inquiries were not done by me. 

XXXX XXXX told the CFPB that some are fraudulent. 

Equifax has been stating that these inquiries were verified for months. 

I asked XXXX  XXXX and Equifax for the paper, electronic and audible proof that I initiated these inquires and they both have failed to provide me the documents that they are using to authenticate these inquiries. 

How did the pick and choose which inquiries to keep and which ones to remove?
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX XXXX please delete my account ending In XXXX XXXX cant delete it over this We're permanently limiting your account. 
You can no longer use PayPal as we've decided to permanently limit your account after a review. please delete it for me you can email me back at XXXX or call me at XXXX or do both etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX  XXXX XXXX I called the creditors and spoke with a representative and was told there is no information on file for me. All the creditors listed below also said they were going to send a request to the bureau 's for remove. They asked for my name and email but never heard anything from them. 
XXXX _________________ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ALLEY FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I asked aidvantage to clarify if loans and Financial aid were synonymous and on XX/XX/2022, they replied. within that response they said they were on behalf of the Department of Education and the loans that they had gave me. I sent a response back asking for more clarification. loans are from financial institutions and XXXX was found to be an agency.
Product: Mortgage

On XX/XX/XXXX I was laid off from my job. Having trouble finding work I applied for Unemployment Mortgage Assistance through Keep Your Home California. I was approved a few months later. I did not find employment until XX/XX/XXXX. This gap in employment put me in a big financial hardship. When I called Keep Your Home California to inform them I had started a new job they informed me that I still had 3 months of assistance and if I wanted to use tit. I of course said yes since I didnt have enough time at my work yet to make my mortgage payments. This would have meant my first payment would have been in XX/XX/XXXX. 

In XX/XX/XXXX I received a letter from Home Point Financial my mortgage company that they did not receive payment for XXXX. So I immediately called Keep Your Home California and the person who help me over the phone said that they made a mistake and my assistance actually ended in XXXX. I now was behind one month of my {$3600.00} mortgage payment. I immediately paid my XXXX mortgage and began to save up and cut expenses so that I can pay the amount I was behind. When i called Home Point to tell them what happened and the operator said they would have a manager call me to arrange some assistance to give me time to pay the balance that was not paid. I never got that call. I continued to pay my monthly mortgage of {$3600.00} I called the customer support line again in XX/XX/XXXX and the agent was supposed to split the missed payment into 4 different payments each month in addition to my monthly mortgage so that I may be able to pay it without having any negative reporting. This didnt happen either. I called again in late XXXX - early XXXX and the agent helping me said that they did not see any notes of my previous call or arrangement and that all they could to is split up my payment in 2. I agreed to this as well. But before my next payment I was able to save enough money to pay the balance in XX/XX/XXXX. 

I ended up paying {$7300.00} which is a large amount of money for my family and I. Since I am the only bread winner it took longer than anticipated to come up with that amount of money. What i was not aware of that my payment in XXXX was actually to cover XXXX and all my payments from XXXX - XXXX were always for the previous month making me have multiple months late and it affecting my credit report immensely negatively.
Product: Money transfer, virtual currency, or money service

I did a XXXX but send it to the wrong person I try to contact the person and never got the hold of them I contact my bank and they refused to help me loat XXXX + dollars
Product: Debt collection

Blitt and graines file a judge against me in XXXX XXXX Iowa. There was no notice about the debt being moved to company. I did not get a letter stating that they took it over. I did not get a letter stated that I had the 30 days to dispute it. They went straight to a judgement. I settle the debt and paid in full if given the proper notice it would have not gone to the courts to start with. 
Attached is the court order and receipts that shows that the law firm is the one that was handling the debt. This is the only letter that was ever received from them. Was not given the chance to have a 30 day dispute that shouldve happened. 
No papers received to dispute the debt from the lawyer before papers were sent to court Court drawer paper work XX/XX/2020 Amount XXXX Settled paid in full- XX/XX/XXXX. 

Again if the proper steps were taken by the company there would have never a judgement and the debt would have still been taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified. 

XXXX XXXX, CA XXXX, XXXX OF XXXX XXXX Date opened : XX/XX/XXXX Balance : {$7900.00}, XXXX OF XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$5700.00}, XXXX OF XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$5600.00}, XXXX OF XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$3600.00}, XXXX OF XXXX XXXX Date opened : XX/XX/XXXX Balance : {$2000.00}, XXXX OF XXXX XXXX Date opened : XX/XX/XXXX Balance XXXX {$1400.00}, and XXXX  OF XXXX XXXX Date opened : XX/XX/XXXX Balance XXXX {$1100.00}.
Product: Debt collection

I am writing to clarify and expand on my original complaint regarding XXXX XXXX XXXX XXXX My initial reference to " XXXX XXXX XXXX XXXX was an error. The correct company is XXXX XXXX, which XXXX confirmed they are collecting for. 

XXXX XXXX  Terms and Conditions include a binding arbitration agreement that prohibits third-party collection or credit reporting before arbitration. By sending this account to collections, XXXX XXXX has violated its own agreement. Additionally, XXXX  response is misleading, as they denied familiarity with the arbitration agreement, despite acknowledging they are collecting for XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I attempted to open a phone account with XXXX. I was still an XXXX customer. XXXX sent me a SIM card which couldnt be used because the phone wasnt unlocked. I informed XXXX a few days after I realized this so they could no I couldnt use the SIM card, phone, or account so the lines werent used at all. I told XXXX multiple times this issue and no one did nothing. A few days later XXXX sent me a email stating hey we have notice the lines are unused please contact us which I did. However I still was billed a {$200.00} bill for a service I didnt have. I have called multiple times and the reps have been extremely rude. As of today XX/XX/XXXX every rep that told me to hold on after I explained the situation lost contact with me and another rep would answer the phone without knowing anything. They have committed fraud in my name stating that I had an account which I did not. It is on my credit report based off me having an account which I didnt have. How can I be charged for a service I never had.
Product: Credit card

I spoke to XXXX at the ceo 's office of usaa about my complaint that was previously filed and they did state that they were in the wrong. they stated their 3rd party company who set up the payments never hit the process button to begin the repayment schedule. They advised to me that they would remove the late fees attached to the account, XXXX, XXXX, XXXX, and as well update the credit reporting agencies that the delinquencies were to be updated and removed, and leave me with an outstanding principal balance they are demanding I pay to the account. I asked why it is I have to pay the remaining after being caused grief from this company, they could not answer this question other than by stating I owe the balance and they will not pardon or dismiss anything and that they will just close the account. I told her that I do not wish to have the account closed with a remaining balance and the only way I would close the account is if there is a XXXX balance being reported. Usaa seemed to not care that the last 60 days have caused other financial problems with my credit and that they caused me severe harm to my credit report. They are still stating to have the balance paid off or they will reflect that I have not paid and basically that I am a debtor to them. I told XXXX that I felt insulted by this resolution as its not just about their money at this point, its also about the fact my credit has been effected negatively and has caused grief with other finance companies I am CURRENT with. I told her that I would need to think about paying them any more money as they have had other accounts with me that they also treated me poorly on. XXXX left the conversation as the fees will be removed, and the credit will be updated, but as far as pardoning my balance she is still claiming I have to pay off the remaining portion. I feel at this time, this company is just trying to under cut things and are trying to get me to just feel happy for a day and pay this so they can be done with me as well. I told XXXX she is just trying to keep things happy for the bank and that her resolution does not fix the problem here, all she said was that she was sorry grief happened and that there would be internal coaching done to make sure things like this do n't happen again, which did not make me feel well in the least knowing that my account was the first that has been handled the way that it has been. It is disgusting this company acts this way demanding there be a payment placed to the account when they failed to process the first payment as it was. I asked how I am supposed to feel comfortable with my own bank account now, knowing that the person who set up the payments, did n't complete his job, and may now still have access to my personal information. She asked I review my bank account, I told her I live where there is none, she then stated oh well just check your statements when they are mailed to you. What happens if there is money taken before I get my statement and my account ends up in the negative, she had no response other than to pay usaa, and that she assured me the representative would n't have my personal information.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : Unknown - Account Number : XXXX - Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX sent me - by name - a credit card offer promising XXXX bonus Skymiles and a {$50.00} statement credit if I spent over {$3000.00} in three months and bought a ticket on XXXX XXXX  website. I did all that, but no bonus and no credit. Why? When I called, they quickly told me it was because years ago I had a XXXX credit card. Really? Then why did they send me the bonus offer? Credit card companies should be obliged to honor the bonus offers they send out to individuals, if the basis for refusing the bonus was known to the company at the time they sent the offer.
Product: Prepaid card

I was gifted a gift card about a year ago with a balance of {$300.00} and I am unable to make any purchases online or in store. The card is not expired. The customer service number does not give you an option to fix this solution or offers to speak to a representative. I have registered online and attempted to submit a claim but their site wont allow me to complete my request. This is a XXXX  giftcard. The gift card is from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below was still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the accounts completely from my Credit Reports XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$34.00} XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} ; XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is the complaint for incorrect accounts in XXXX, and TransUnion the bureau ignored my complaints. I need this to remove in my file. 

XXXX XXXX XXXX Bankruptcy XXXX Court : XXXX XXXX CT NJ XXXX TransUnion XXXX XXXX Bankruptcy XXXX Court : XXXX Bankruptcy XXXX
Product: Debt collection

In this scam they are saying I have past due court fees or fines which is false. I have no such debt. What makes this scam so obvious is that they want me to go to XXXX XXXX XXXX to buy cash cards and then send them with a bill. Bye bye money. I have heard of these scams and I don't want some unknowing victim to fall for this.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX