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

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : Account info Account number XXXX  Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account number XXXX  Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1600.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account number XXXX  Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account info Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card
Product: Debt collection

A. Young from American Express Customer Advocate Services Team responded to complaints { XXXX, XXXX and XXXX } on or around XXXX XX/XX/XXXX. However, the obvious inconsistencies in the table from XXXX XX/XX/XXXX were not addressed in the response. Therefore I filed CFPB complaint XXXX. American Express closed out the complaint alleging it was a duplicate of XXXX. AMEX knows or has reasonable cause to believe the information it is furnishing to the CRAs is inaccurate. The table from the XXXX XX/XX/XXXX reponse clearly shows an alleged missed payment that was 30 days past-due in XX/XX/XXXX, that magically becomes 120 days past-due in XX/XX/XXXX. It should be noted this is the exact number of days past-due ( XXXX billing cycles ) AMEX requires under its policy to charge-off accounts. As such, it appears AMEX changed an alleged missed payment from what at most would have been sixty ( 60 ) days past-due to 120 days past-due with specific intent to charge-off the account in XX/XX/XXXX and defame me in the process. AMEX claims there is no way to correct any of the information as shown by the CRAs because they do not control the information " displayed '' by the CRAs and because the account has already been charged-off. This is disingenuous at best because AMEX is the data furnisher that provides the information for the account/tradeline to the CRAs and has methods available to correct information AMEX knows or has reasonable cause to believe is incorrect : submission of the Universal Data Form to the CRAs with information to delete/remove from the account.
Product: Credit reporting or other personal consumer reports

NARRATIVE After reviewing my credit report in 2024| noticed several unfamiliar accounts and a large loan I hadn't applied for. At first, I thought it was a mistake, but after contacting credit reporting agency, the truth hit someone had stolen my identity. The thief had used my personal information to open credit cards and rack up thousands in debt. I felt violated and overwhelmed, facing months of sorting through fraud claims and trying to repair my damaged credit. What seemed like a routine check turned into a nightmare of nancial recovery and stolen trust. Finally accounts were removed except this One in particular XXXX XXXX  XXXX, in the amount of XXXX dollars Account Number : XXXX thief created an falsified email, home address, phone number and also made payments to legitimizer the XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>
Product: Debt collection

The issue involves the reporting of a charged-off account and the failure to provide the required Form 1099-C for canceled debt. A formal request was made for the issuance of Form 1099-C to ensure accurate reporting of the canceled debt, as per IRC Section 6050P. Despite previous requests and the company 's commitment to resolving the matter, the necessary documentation has not been provided.

It has been noted that once a debt is canceled and a Form 1099-C is issued, the credit report should no longer show a remaining balance due. However, the status of the account has not been updated to reflect this. Relevant laws and regulations, including the Fair Credit Reporting Act ( FCRA ), Internal Revenue Code ( IRC ) Section 6050P, and others, were cited to emphasize the importance of accurate reporting and compliance with legal requirements.

The resolution requests include the issuance of Form 1099-C within 30 days, immediate deletion of the reinserted charge-off from the credit report within 45 days, and compliance with the Servicemembers Civil Relief Act ( SCRA ) within 60 days, among others. Failure to provide Form 1099-C within the specified time frame may result in the filing of IRS Form 3949-A. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ) and the specific requirements of 15 U.S.C. 1681a ( 2 ) ( i ). I have attached my demand letter dated 10-4-2023 as evidence of the issues I am experiencing.

In my demand letter, I requested the removal of specific information from my consumer credit report, as provided for under 15 U.S.C. 1681a ( 2 ) ( i ). This statute explicitly mandates the exclusion of information solely as to transactions or experiences between the consumer and the person making the report. The specific accounts and transactions that I requested for exclusion are detailed in the attached demand letter.

Despite my efforts to resolve this matter directly with [ Credit Reporting Agencys Name ], the requested action to exclude this information from my credit report has not been completed. I believe that Experian is in violation of the FCRA and 15 U.S.C. 1681a ( 2 ) ( i ) by failing to comply with this statutory requirement.

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions against Experian for its non-compliance with federal consumer protection laws. I also request assistance in ensuring that the inaccurate information is promptly removed from my credit report. 

Enclosed with this complaint is my demand letter dated XXXX as evidence of my efforts to resolve this issue directly with Experian. 

I appreciate your attention to this matter and your assistance in resolving this dispute. Please do not hesitate to contact me if you require any additional information or documentation. 

Thank you for your prompt consideration of this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Upon reviewing my credit report, I discovered discrepancies in the reporting of last payment dates for closed accounts. These inaccuracies are violations of FCRA requirements to ensure accurate and fair reporting of consumer information, specifically under 1681e ( b ), which requires that credit reporting agencies maintain reasonable procedures to assure maximum possible accuracy. 

The accounts with discrepancies are as follows : XXXX. XXXX XXXX Account Number : XXXX Reported Last Payment dates Equifax LAST PAYMENT DATE ( XXXX XXXX ) XXXX LAST PAYMENT DATE ( XXXX XXXX ) XXXX. XXXX XXXX XXXX  Account Number : XXXX Reported Last Payment Date Equifax last payment date ( XXXX XXXX ) XXXX last payment date ( XX/XX/year> ) XXXX. XXXX XXXX XXXX  Account # : XXXX Equifax last payment date ( XX/XX/year> ) XXXX last payment date ( XXXX XXXX ) XXXX XXXX XXXX XXXX Account # : XXXX Equifax last payment date ( XXXX XXXX ) XXXX last payment date ( XX/XX/year> ) XXXXXXXX XXXX XXXX XXXX # : XXXX Equifax last payment date ( XXXX ) XXXX last payment date ( XXXX ) XXXX XXXX  Account # : XXXX Equifax last payment date XXXX XXXX XXXX ) XXXX last payment date XXXX XXXX XXXX ) These accounts are closed, and the inaccuracies are a violation of 1681c ( a ) of the FCRA, which governs the inclusion of outdated or incorrect information. Furthermore, these discrepancies likely result from the data furnishers failure to comply with 1681s-2 ( a ) of the FCRA, which mandates accurate reporting of consumer information. 

In addition to these discrepancies, I have also been the victim of identity theft, which I have officially reported to the Federal Trade Commission ( FTC ). I have attached my FTC Identity Theft Report as part of my formal dispute. Due to the fraudulent nature of these accounts, I am requesting the immediate removal of these accounts from my credit report. These inaccuracies are materially damaging to my credit and can not be verified, therefore I am requesting their deletion as per my rights under FCRA 1681i ( a ), which entitles me to dispute and remove unverifiable information.

As required under FCRA 1681i ( a ) ( 1 ), you must investigate and resolve this dispute within 30 days.
Product: Checking or savings account

I would like to delete the following accounts as soon as possible because they do not belong to me. THERE ARE ON XXXX, XXXX AND EQUFAX XXXX XXXX  XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX  XXXX ( XXXX ) XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # XXXX Account # XXXX Account # XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX section XXXX A. States I have the right to privac XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information to the best of my knowledge is not mine hippa and ftc violation
Product: Credit reporting, credit repair services, or other personal consumer reports

i was issued a credit card from my work in 2014 during my short time of employment, I was only an authorized user on the account it was not opened by me. The company was having financial issues so i left the job.

i applied for credit few years ago and find out i have delinquency on my credit report, i checked my credit report with all 3 credit agencies and find out only Equifax is showing a credit card from XXXX XXXX XXXX with status Charge Off at first i thought it was identity theft since i never opened up any credit card with XXXX XXXX XXXX but then after some time a bell rang and i recalled the card which was given to me as an authorized user.

In past 3 years i have filed multiple disputes with Equifax to remove this information from my report and it has been denied by Equifax they keep telling me information is correct i had the card and XXXX XXXX XXXX won't allow it to be removed I called multiple departments with XXXX XXXX XXXX with no luck getting this resolved on my own.

I am very frustrated at this point and not sure where to seek help as the credit agency nor XXXX XXXX XXXX is willing to rectify the issue I was only an authorized user on the card and was responsible for any liabilities.

Please advice. 
Thank You Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

RCVL PER MMG is claiming that I owe them {$980.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Checking or savings account

On XX/XX/23 I called usaa and spoke with representative in regards to a charge of XXXX being allowed to process causing my account to be overdrawn. I asked when did they start allowing transactions to go through and you don't have overdraft protection. The guy said they changed their policy to allow automatic payments and recurring payments to go through. I said I didn't know anything about that.. he said it just changed. I said well. I didn't turn on overdraft protection and normally they deny any types of transactions if you don't have funds. He said he would submit a dispute.. I advised that transaction wasn't supposed to go through it was trial service and I never expected the charge to go through. I said because they allowed it to go through the account is now negative and I was charged a overdraft fee of XXXX as well. That is not good business. Throughout the time I've been at USAA they have never let any transactions go through whether it be automatic payments, recurring payments, no ach payments either. I look at my today and see the credit reversed and account more negative Than it was. I called spoke to rep she said that they sent out opt out letters for this change. As I told her I moved and address was changed but didn't see any letter. And on the app the overdraft option is still the same I did not have overdraft protection. They should not force people to have to opt out.. they should ask to contact or go online to opt in to these services that can impact their account. Spoke with resolution rep and she said that USAA picks and chooses which transactions they will allow to overdraft. They have denied me using my card for groceries or food, gas, but allowed XXXX XXXX to charge my debit card and the funds were not there. This was a debit card transaction not ach. They should have denied the transaction as they always have.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for and obtained credit cards and loans in my name with different financial Im not sure how they got my information Im not the owner of these accounts XXXX XXXX XXXX opened XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Inquiries XXXX XXXX  XXXX Banking  : XXXX XXXX XXXX XXXX Banking : XXXX XXXX XXXX XXXX Banking : XXXX XXXX XXXX XXXX Banking : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Banking : XXXX XXXX Finance : XXXX XXXX XXXX Banking : XXXX XXXX XXXX XXXX : XXXX XXXX Finance : XXXX XXXX Finance : XXXX XXXX Finance : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Report Created On XX/XX/XXXX XXXX
Product: Mortgage

We suspect XXXX XXXX XXXX and My Loan Care may be attempting to move high value, low interest mortgages to a separate service provider without ensuring the mortgagees have received adequate notice of the transfer, and removing the auto draft information from these accounts, in order to place the mortgages in default, call the entire amount due, and force the mortgagee to refinance at a much higher rate. Our mortgage had been with XXXX XXXX XXXX since just after we purchased the house in XX/XX/2021 ( {$1.00} mil, 3.4 % ). We set up auto payment and had perfect payment history. On Sunday my husband opened an email from XXXX XXXX showing our mortgage with My Loan Care ( a company wed never heard of ) and was in default. We did some research and saw that XXXX XXXX XXXX  had transferred the loan to a subservicer, My Loan Care. We received NO notice of the transfer of our account to My Loan Care. We have received letters from XXXX XXXX XXXX  monthly since setting up the autopay and disregarded those notices as we had Auto Draft set up. All the envelopes we received from XXXX XXXX XXXX looked identical to the previous statement envelopes we had received so we continued to discard those envelopes. We do not recall receiving any letters from My Loan Care. We did not receive any phone calls on this topic. We did not notice the money was not debiting because we keep a high amount in our checking account and the mortgage amount is diminimus. That same day, we attempted to create a username/password and login to the My Loan Care system. We received an error message and was unable to login. We also attempted to call the automated payment line and was told there was no automated service available on a Sunday. We contacted My Loan Care through a XXXX XXXX XXXX number and automated system. We set up auto draft and paid the amount. Despite us not receiving adequate notice, only 1 late fee was removed and the customer service representative refused to remove the negative reports on our credit reports without us sending a written letter. Additionally, when we asked why all of our personal information ( including our Social Security numbers ) was transferred to My Loan Care ( a service provider of XXXX XXXXXXXX XXXX ) except our auto draft information when we consented to such transfer of personal information in or original loan documents, a customer service representative stated it was " for our protection. '' We also spoke to a web services customer service representative who stated that we must " allow all cookies '' on our browser in order to log in to the website. We plan on contacting a class action attorney to discuss this situation.
Product: Debt collection

I have filed ( XXXX ) prior complaints about this debt collector already and now they are retaliating against me. This debt what paid by the XXXX insurance policy that was built into the loan for the vehicle purchase. However, it appears that this company filed a debt claim against me on XX/XX/XXXX and received a default judgement against me on XX/XX/XXXX in XXXX XXXX, Texas at the XXXX of the XXXX XXXXXXXX XXXX  XXXX. The problem with this is I have not lived in that precinct since XX/XX/XXXX and did not receive service in order to respond. They requested for alternative service, which I presume was either posted on my door or by certified mail at a residence in which I know longer lived and have an termination of my lease agreement from the residence that was in the applicable precinct to verify such. Additionally, since filing complaints with the CFPB regarding this account, this company is retaliating against me and has since requested to seize any non exempt property that I have to make good on the absurd default judgement, which was filed on XX/XX/XXXX! This company should have never been granted a judgement in the first place, as I was not served. This is unacceptable, unprofessional, and illegal! I am XXXX XXXX XXXXXXXX and receivXXXX XXXX XXXX  and am on a XXXX XXXX  while also being fully financially responsible for ( XXXX ) children. I do not have any non-exempt property and this company is pursuing a debt in a court where I do not live. I will be filing a complaint with the bar association against the attorney who filed these actions as well!
Product: Credit reporting

Hello, we have contacted XXXX XXXX as well as the credit reporting agencies to removed the XXXX 30 days from our accounts, from my credit report as well as my husbands XXXX XXXX 's. It is a joint account. 
Our Issue is, We called in for a payment option. Ready and willing to make the payment on time that day. After speaking with one of the customer service members I called in. I was given the option to pay {$1900.00} on XXXX XXXX, 2016 and {$2900.00} for XX/XX/XXXX and XX/XX/XXXX. I was told that I would receive paperwork in the mail but that all I needed to be aware of was making the first payment on XXXX XXXX, 2016 so that the payment plan would not default. The payments have been made as directed and are not considered late. Though they are reflecting on our report as late. The agent did not advise us that by choosing this plan it would effect our credit score and or show up as late on our credit report or we would not have chosen this option. I feel it should be told to you by XXXX XXXX customer service who suggest this plan that if you do choose it t could negatively impact your credit report for 7 years. This would have drastically changed are decision towards this payment plan. When we called to explain to XXXX they said the representative would be reprimanded but they could not fix the error. We advised we were in the middle of a home sale and or refinance and something of this nature could drastically effect that. We have paid on time for 3 years to XXXX XXXX, never missing one payment. By choosing the option they suggested as a payment break up it now shows we are 30 days late not on time and completely effects our future situation on home buying as well as character. I feel it is fully unethical on chases part to not advise you of this when they are suggesting " Options. '' I am in the middle of a re-finance and can not move forward because of this negative impact on my credit score that was never disclosed to me when I accepted what the agent advised me on XXXX. Can you please remove this from our credit score? I Greatly Appreciate you taking the time to do this. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of a fraudulent account and unauthorized inquiries on my credit report, as I am a victim of identity theft. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my right to request the removal of this unauthorized information. 
Fraudulent Account : XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Balance : {$160.00} Unauthorized Inquiries : XXXX. XXXXXXXX XXXX XXXXXX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to Transunion to investigate an inaccurate and incomplete account they are reporting. They updated only a portion of what was outdated. I followed up with a letter on XX/XX/2022 requesting that they re-investigate and update the payment status to paid. They still have not corrected this. 
The account is closed and was paid in full. They are reporting a payment status as 120 Days past due, which is inaccurate since the account is paid in full and closed I have included both of my letters and a copy of my credit report showing the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022