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

Discover Card has been contacted via the three credit reporting agencies for the last two years and also via the FTC/CFPB with no resolution to the incorrect reporting with the latest correspondence in XXXX XXXX this year. Discover Card double down on the damage it has done to my credit score, ability to get credit both personal and business not to mention the intense anxiety and angst this situation has caused me with continuing to violate FCRA laws. I am writing to Update the latest erroneously, deceptive, misleading current reporting that Discover Card is submitting to the three credit bureaus XXXX, XXXX, and XXXX. Discover Card issued a 1099C Cancelation/Forgiveness of debt to the IRS as well to me. Discover Card is still reporting to the credit bureaus that this debt is open, overdue, past due, etc after it has already triggered an IRS event which forced me to report this forgiven amount of {$14000.00} as income. However, Discover Card is still incorrectly reporting this amount as current open debt that is past due as of XX/XX/XXXX and that's impossible since this amount was reported as a forgiven debt income to me on my XXXX Tax Return. This is a GROSS Negligence to continue to report this information as if it's active  collections, currently past due completely ignoring the action that Discover Card took on the account. This has cause grave harm to me and my family to continue to deceive readers of the credit file and to totally disregard Federal Credit reporting laws. DiscoverCard 's own documentation states that collection has been discontinued and the economic detriment it has caused by the IRS reporting as it actual income was passed to me when it was not. So this situation causes additional harm via additional tax owed, inquiries on top of the negative reporting of this account as if it is a current open debt owed to Discover Card.
Product: Mortgage

I have written the loan servicer numerous times to provide verifiable validation of debt and to prove they are the rightful note holder. I have agreed to pay once this information is accurately provided. They have not responded properly with verifiable information which has led me to believe there is no note and they have committed mortgage fraud. 


Regards, Without Prejudice/ Without Recourse
Product: Credit reporting or other personal consumer reports

After carefully reviewing my consumer report XXXX XXXX, Equifax LLC, XXXX XXXX, and XXXX XXXX XXXX are in violation of my consumer report. I have a right to privacy and they have a RESPONSIBILITY that they have completely disregarded to keep my non-public information PRIVATE. the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. In addition, 15 USC 6801 states that reporting agencys have an obligation to keep my NON-PUBLIC information private. Which is obvious XXXX XXXX has not. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX never gave me the option to OPT OUT of credit reporting. With that being said Ill add that 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. Well Im opting out of credit reporting services IMMEDIATELY since XXXX failed to comply with the law and decided to SELL my personal information without my consent. Finally, 15 USC 1681C ( a ) ( 5 ) states no consumer reporting agency can report ANY other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Which Ive never been convicted of a crime but XXXX should be for defamation. 


XXXX, Equifax, and XXXX are in violation per 15USC 1681a ( 2 ) ( a ) ( i ) stating- the term consumer report does not include : all transactions or experiences between the consumer and the person making the report.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Credit Management has continued to make collection efforts on a debt they can not reasonably prove I owe. I have informed the company the gift was never received by the recipient and I was expecting a refund. The company then replied with notes provided by the original creditor. There was no proof of delivery provided. 

Additionally, Midland Credit Management has re-aged the account and is intentionally reporting the account is newer than what it actually is. This is a direct violation of the FCRA AND FDCPA. 

The company is billing me for items I ordered but never received. Further, the company is damaging my credit for items I never received and that they can not prove were received by anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT NUMEROUS LETTERS TO THE CREDIT REPORTING AGENCIES ASKING THEM TO REMOVE INQUIRIES THAT DO NOT BELONG TO ME AS WELL AS ACCOUNTS THAT DO NOT BELONG TO ME.

I AM A VICITIM OF IDENTITY THEFT AND I HAVE FILED TWO REPORTS WITH THE FTC AND THE CREDIT AGENCIES ARE NOT RESPONDING NOR REMOVING THE ITEMS FROM MY REPORT AS REQUESTED

I HAVE ALSO ASKED THE AGENCIES TO VALIDATE CERTAIN ACCOUNTS, WHICH THEY HAVE FAILED TO DO SO, I HAVE SENT NOT ONLY A 30 DAYS NOTICE BUT  60 DAY NOTICE OF INTENT TO FILE A COMPLAINT IF NON COMPLIANT

I HAVE SENT LETTERS TO ALL THREE CREDIT BERUEAS ON THE FOLLOWING DATES XXXX, XXXX XXXX & XXXX
FEDERAL LAW REQUIRES THE AGENCIES TO RESPOND WITHIN 30 DAYS, AND THEY HAVE YET TO RESPOND, BECAUSE OF THEIR FAILURE AND ACCORDING TO THE FEDERAL REGULATIONS THE CREDDIT REPORTING AEGENCIES SHALL BE INVESTIGATED BY THE Federal Trade Commission (see 15 USC 41, et seq.).
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint against XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX for violations of my rights under the Fair Credit Reporting Act ( FCRA ). I believe these companies violated the FCRA, specifically 15 U.S.C. 1681, in the following manner : Right to Privacy : According to 15 U.S.C. 1681a, Section 602 ( A ) of the FCRA guarantees individuals the right to privacy concerning their credit information. However, it has come to my attention that XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX has egregiously infringed upon this right by improperly handling and disclosing my personal credit information. Such actions not only undermine my confidence in the security of my financial data but also constitute a breach of trust in the credit reporting process. Failure to Obtain Written Instructions : As outlined in 15 U.S.C. 1681b, Section 604 ( A ) ( 2 ) of the FCRA, consumer reporting agencies are prohibited from furnishing credit information without obtaining written instructions from the consumer. Despite this clear requirement, XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX has evidently failed to adhere to the law by reporting information about my account without obtaining my explicit written consent. This blatant violation not only disregards my rights as a consumer but also raises concerns about the accuracy and integrity of the information being reported. These violations by XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX not only undermine the principles of fairness and transparency enshrined in the FCRA but also have the potential to adversely impact my financial standing and reputation XXXX Therefore, I respectfully request that the Consumer Financial Protection Bureau launch a thorough investigation into this matter and take appropriate enforcement actions to ensure their compliance with the FCRA. Enclosed with this letter, please find supporting documentation, including copies of relevant credit reports, correspondence with XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, and any other evidence substantiating my claims. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently pursue this dispute and safeguard consumers ' rights in accordance with the FCRA. Should you require any further information or assistance, please do not hesitate to contact me at the above-listed
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still an accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this account ( XXXX ). ( A ). 

XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

A friend asked me to get the Venmo. App so they could send me money. I downloaded the app to my XXXX and to make sure I had it right I sent a request for XXXX dollar to my friend so they could have my account info. I was then notified that XXXX $ had been sent to me. I then linked and verified my bank account and debit card to my Venmo account. I tried to transfer the $ to my XXXX debit card but was unable to. After several attempts I used the help menu and spoke chat to a chat bot who couldn't resolve my problem and referred me to XXXX XXXX : I was then informed that my account had been frozen and I had to wait for a team of supervisors to email me to unfreeze my account
Product: Mortgage

I refer you to a previous complaint XXXX XXXX which is closed. XXXX from DiTech informed me that I would be reinstated into the HAMP program. I was not and am now in foreclosure. 
History : I recieved a modification from Green Tree in XX/XX/XXXX. After I signed the permananet modification, Green Tree raised my mortgage amount to my original payment without notice. The agreed upon payment I made was placed into a suspension account. GreenTree did not give me a reason. They said if I didnt make the increased payment I would be thown into the street by the sheriff. I did not make the increased payments since the payment was not the agreed to amount. I requested a HAMP modification. Ditech offered me a HAMP. Although I agreed to automatic withdrawals, Ditech did not debit the funds. When I would call to inquire, they advised me they could process my payment but it would cost {$12.00}, which I paid. I made another 8 payments waiting for a permanent modification agreement. In XX/XX/XXXX I recieved a " trial modification letter '' dated XX/XX/XXXX. I did not sign the permanent XXXX upon the advice of XXXX from XXXX who was investigating. In XX/XX/XXXX I signed the HAMP. Almost immediately I received a letter raisng my mortgage by $ XXXX/mo. I made one payment. I am now in foreclosure.
Product: Debt collection

In communications with National debt relief regarding my unsecured debts. Companies continue to try and contact me rather than goin through XXXX
Product: Mortgage

Our mortgage was through XXXX XXXX XXXX, we were having trouble making our payments, we got behind 2 months payments. XXXX sent us packets requesting all financial information so they could help us out. They seemed very interested in helping us out and we had been in contact by phone multiple times. We became 3 months behind because of all the back and forth mailings and phone calls. At this point, we received notice from XXXX that they had sold our mortgage to another company named SETERUS. All future calls to XXXX have not been returned. We have only had XXXX phone call with someone from SETERUS. First of all, they requested my wife 's entire social security number, which she gave them. Then, they said we must make at least XXXX payment to them to keep in good faith and they want our bank account number so they can automatically withdrawal. We have never received anything from this company stating they own our mortgage, besides a phone call. No paperwork in the mail, no account number, nothing! So, we are to give our social security number and bank account number to someone we do n't know? If you check out this SETERUS company online, you will see they have nothing but bad reviews. We want to keep our house and are trying to do all we can to do so. We have been in touch with our United States Representative XXXX district office and XXXX XXXX from XXXX, our local news station. Please Help!
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT : # XXXX FROM XXXX XXXX XXXX XXXX XXXXXXXX FROM XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602A. STTAES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604A SECTION 2 : II 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

XXXX XXXX  # XXXX was paid in FULL on XX/XX/2022. I requested that said loan reflect as paid in full to Experian. XXXX XXXX responded to Experian that there is still a balance. I contacted XXXX XXXX and XXXX XXXX at XXXX XXXX sent me an email confirming said loan is paid in full. I forwarded said letter/email to Experian and XXXX XXXX responded to Experian, still saying there is a balance of {$16000.00}. 
This has been a hardship when trying to secure other financing. I was NOT happy with their company practices and chose to pay them off. They don't do same day payments, so they can collect an extra day interest. They make it difficult to pay with another checking account ( need a voided check mailed to them ) again to earn extra DAYS of interest. The list goes on.... 
Today, again I contacted Experian and they said all I can do is keep disputing??? But they said they will forward said letter indicating account paid in full with another dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was Joint Account holder on an auto loan at XXXX XXXX XXXX from XX/XX/XXXX until account paid in full XX/XX/XXXX. Although the Credit Reporting company lists the loan correctly on my report, it continues to fail to properly note it on all XXXX and other aggregate scoring ratings. The company 's failure to factor in this loan is listed as two adverse key factors with the notations " Lack of recent installment loan information '' and 'Length of time accounts have been established ''. 
The company also has an additional incorrect adverse factor of 'Too few accounts currently paid as agreed ' in that there are NO accounts with late or slow pay. All accounts have been paid as agreed for the length of the reporting period and all paid in full in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to XXXX on my credit report through my Experian account stating my consumer rights had been violated, and they responded with a verified and updated account with more incorrect information.
Product: Mortgage

I am trying to short sell my home. After losing my job and medical bills mounting up I did the responsible thing and put my house on the market. I have an offer submitted to the bank and they have since gone into my property and changed the locks. I do n't have access to adjust the heat or make sure there are no issues since my home is vacant awaiting sale. 

I have NEVER paid NationStar late. Never. In XXXX I was short on the mortgage. I was able to gather up XXXX of a months mortgage. They acted like I never paid them a dime. The calls started. The notice of intent to forclosure came in mid XXXX. I obtained a lawyer and we are working on a short sale. They acknowledge reciept and ordered and appraisal. But in the meantime they changed the locks. The XXXX agent had no way of accessing the property to do the appraisal. I feel they intentionally are causing delays in the process. They cut off my realtors lock box at a price of {$150.00}.
Product: Checking or savings account

On XX/XX/22 I was reviewing my personal checking account TD bank statement. ending in XXXX. I noticed a payment paid to a company named XXXX XXXX XXXX XXXX XXXX in the amount of {$6200.00}. That disbursement was made on XX/XX/22. TD bank had no authority to disburse my funds to a unknown person or company. 
I contacted TD bank immediately to investgate the matter. I drove to my local TD bank branch in XXXX, NJ. I filed a fraud report and complaint through my TD branch office in XXXX, NJ. I filed a police report with XXXX XXXX police dept. Police report # XXXX. I delivered the police report to TD bank XXXX XXXX XXXX. I filed a second complaint on XX/XX/22 with the police report attached. 
I closed my checking account on XX/XX/22 and opened a new one at the TD bank branch in XXXX, NJ. After XXXX weeks I received my new checking account information in the mail. I went on-line to reveiw my bank information and again, XXXX XXXX XXXX XXXX XXXX  appeared on my new checking account as a bill/pay recipient. I then filed a complaint with New Jersey Office of the Attorney General Division of Consumers Affairs. They refered my case to XXXX XXXXXXXX XXXX XXXX. They refered my case to Comptroller of the Currency. I did file a complaint with that agency.
Product: Payday loan, title loan, or personal loan

I got a title loan in XXXX for {$1000.00} and also got another {$300.00}. My payments have been very steep. I have made all of the payments. For XXXX they only charged me {$60.00}. So I called and asked why they said I guess the company is giving you a break I'm not really sure and also asked if I would like to get more money on my loan which I declined. Now I look online for my XXXX bill and they have charged me {$590.00} for just the month of XXXX. Which is unrealistic I can't afford that. I have children to take care of. So now I'm going to face losing my vehicle.
Product: Vehicle loan or lease

I co-signed for a car, for my grandson. The interest was very high at 14 %, but once I started making payments I see that, I'm being charged 50 % or more rather than 14 %. My payments are going toward interest. I did talk to customer service regarding my bill ; to know avail. I do not understand there billing method ; practice. I am being severally over charged. Please look into my payment history with this bank. 
Thank you ; I look forward to hearing from you. 
Sincerely, XXXX. XXXX XXXX
Product: Checking or savings account

I have a savings account with Marcus by Goldman Sachs that I forgot about and haven't logged into in several years. I just received a letter in the mail saying that I needed to claim ownership of my account or my funds would be sent to the state. On XX/XX/2022 I tried logging into my XXXX account and it was locked. When I called the first time I was placed on hold for close to an hour and told my account was on hold because of a transfer from an external account that didn't go through. I was told to call my external bank and ask why the transfer to the XXXX account didn't go through and call back and let them know why so they could lift the hold from my account. I did so and when I called back the second time I tried explaining everything to the " specialist '' and he had no idea what I was talking about. There were no notes on his computer about the call I had just made a half hour prior. He also said that a failed transfer wouldn't cause my account to be on hold and have me locked out. He couldn't even tell me why my account was on hold. He placed me on hold for another half hour just to come back and tell me that my account had already been submitted for review and there was nothing he could do. He could have told me that before putting me on hold and wasting my time. Over two hours of talking to these people and told two conflicting stories just for this to happen. I was told I would get a call back from another specialist in 48 hours. It's now XX/XX/2022 and still no call back. I just want to close my account. I want nothing more to do with this bank and their terrible so called specialists and just want to close the account so I can get my money back!
Product: Checking or savings account

On or about XXXX XX/XX/XXXX - I opened the account with Truist. I never had any accounts with them during last 2 years. It was opened with an offer of {$300.00} cash back and for that i need to setup direct deposit. I already setup direct deposit for this account. 
Today ( XXXX XX/XX/XXXX ) -I got an email that - I can not take advantage of the offer. Called customer service... even after a wait of 45 minutes, the call is getting disconnected. 
Email states : Dear XXXX, Thank you for your recent enrollment into the Truist Checking Offer XXXX XXXX. 

Based on our verification process, your account is not eligible to participate in this offer based on the reason below : Clients who have closed a personal checking account with BB & T or SunTrust now Truist, and/or Truist on or after XX/XX/XXXX are not eligible to participate in the promotion. 

If you believe you have received this notification in error, please contact Truist at XXXX ( XXXX ). 

Thank you for choosing Truist. We appreciate your business. 

Sincerely, Truist Offers Team When i tried login into my account- even the online login is also not working. Truist didn't sent any reset email.
Product: Credit card or prepaid card

i am not responsible for any capital one quick silver account this account is also fraud i had my identify stolen and still in the process of getting everything replan and my credit scores back up to 780 - 800
Product: Debt collection

I had XXXX credit card accounts with Chase banks for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported XXXX accounts on my personal income taxes for XX/XX/XXXX and XX/XX/XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, Chase bank has been given the tax write off but they are still reporting a full balance for XXXX account on my credit report. It should be reported a XXXX balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a XXXX balance to the credit bureaus. This would be double dipping for Chase bank, getting the tax write off and then still collecting the cancelled amount on XXXX accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment.
Product: Credit card

On XX/XX/year>, I called Capital One and asked to close my Capital One ( VISA ) credit card account ( ending in # XXXX ). I was told that I had 90 days to claim any rewards balance due me. The very next day, XX/XX/year>, I called Capital One back and requested that the rewards balance refund due me of {$87.00} be sent to my address. Only then, at this time, was I informed that I could only get a credit on my credit card. I was never told this earlier or while I was closing my credit card and afterwards it was too late. Catch XXXX! My request for a refund check was denied. I believe I was defrauded.