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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$68000.00} XXXX XXXXXXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$7100.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$5400.00} XXXX XXXX XXXX Balance Owed : {$930.00} XXXX  XXXX XXXX XXXX Owed : {$650.00} XXXX XXXX XXXX Balance Owed : {$160.00} XXXX  XXXX Balance Owed : {$6700.00}-
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2022 XXXX Bank issued a XXXX for accounts XXXX # XXXX and XXXX # XXXX as settlement for two alleged debts. I have submitted that 1099C to the IRS on my 2022 taxes because these alleged debts are now considered income. I notified your company and requested that you remove these XXXX Bank accounts from my credit report as they are now considered income, and by the IRS, and your own company rules, should no longer be on my credit report. Nevertheless at the time of me filing this complaint you have still not removed these accounts and are still reporting them as unsettled debts. Both XXXX XXXX have removed these accounts from their credit reports, with only your firm continuing to report this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following fraudulent accounts and credit inquiry keep reappearing on my XXXX, Experian and XXXX XXXX credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, {$5900.00}, XXXX XXXX, {$14000.00}, MN XXXX XXXX XXXX, {$8900.00}, XXXX XXXX XXXX XXXX, {$3100.00}, XXXX XXXX XXXX XXXX, {$30000.00}, XXXX XXXX XXXX XXXX, {$370.00}. The fraudulent accounts dont belong to me. My U.S. Senator XXXX XXXX in the United States Senate and from Arizona is possibly going to call senate hearings for executives from XXXX to come before Congress and testify under oath about my case and numerous other constituents thats having constant issues, problems and disputes with XXXX in regards to fraudulent accounts and credit inquiries reappearing on my and other peoples XXXX credit reports, after XXXX has deleted and permanently block the fraudulent accounts and credit inquiries from my and other peoples credit reports numerous times.
Product: Debt collection

RECEIVABLES PERFORMANCE is reporting a negative unverified account on my credit report. RECEIVABLES PERFORMANCE failed to respond to my debt validation letter sent on XX/XX/2020. ( please see attachment ).
Product: Credit reporting or other personal consumer reports

Someone opened an account in my name. I never opened this account nor did I even receive this card. I asked to submit a fraud complaint and they refused because I wouldn't give them my full social security number. I refuse to give it out to a company that has a card in my name that I didn't open. Not to mention I never had a credit card company ask for my full.social security number. When I finally received a bill it was for plane tickets which common sense would be able to see if I boarded a plane or not. I haven't flew on a plane in about XXXX  years and it was only 1 time. I XXXX  the company 's number and it states it's a scam so how is this company allowed to report a fraudulent account and destroy my credit score that I have worked hard to earn. Again common sense shows I pay all my bills on time. XXXX must have morons working for them because they agreed with the company. Probably working with the company to make customers pay for credit monitoring. The company is called XXXX XXXX XXXX XXXX XXXX. The amount in question is {$2600.00}. I then receive a letter saying they need more information before new charges can be allowed.
Product: Checking or savings account

I woke up today ( Friday, XX/XX/year> ) expecting my direct deposit from my employer to be in my checking account. Not a singe XXXX from my paycheck was in the XXXX XXXX  account. I come to figure the servers are down with no word from the Bank anywhere until around XXXX. I checked online and found that others were having this issue and that its been happening since Wednesday, XX/XX/year>, for other users. This is really frustrating completely unacceptable. These companies have an obligation to their clients and withholding funds they worked for is not okay in the slightest. I was have bills, rent, payments, etc. to pay off and now im going to be behind and may suffer the consequences of late fees such as my gym membership I pay every month on the XXXX ( today ). I will be withdrawing my funds immediately once I have access to them and switching to another banking service. Unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give anyone permission to put anything on my credit or to give out any information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a 7-year-old charged-off XXXX  XXXX credit card that continues to appear on my credit report. This account, with partial number XXXX, was opened on XX/XX/XXXX. Despite the Fair Credit Reporting Act 's ( FCRA ) seven-year limit for reporting negative information, this charged-off account remains on my credit report, causing significant harm to my credit score and overall financial opportunities. 

Legal Grounds for Complaint Fair Credit Reporting Act ( 15 USC 1681 ) The FCRA stipulates that negative information like charge-offs should be removed after seven years from the date of the original delinquency. Since this charge-off is over seven years old, it should no longer be reported. 
Fair Credit Billing Act ( 15 USC 1666b ) The Fair Credit Billing Act requires creditors to promptly correct billing errors and discrepancies. The continued reporting of this charge-off could indicate improper handling of account information. 
Privacy Act of 1974 This act ensures consumer privacy and control over personal information. The continued presence of a charged-off account beyond its permissible reporting period raises privacy concerns. 
Fair Debt Collection Practices Act ( 15 USC 1692 ) The FDCPA prohibits unfair or deceptive practices in debt collection. The ongoing report of a charged-off debt may suggest improper debt collection practices. 
IRS Regulations on Discharged Debt According to IRS rules, a discharged or forgiven debt should not be reported on a credit report. Additionally, the absence of a 1099-C form, which confirms a discharged debt for tax purposes, raises questions about the accuracy of this charge-off. 
Requested Actions I request the following from the CFPB : Immediate Removal of the Charge-Off Given that the charge-off is over seven years old, it should be removed from my credit report. 
Investigation into Compliance with IRS Regulations Examine whether XXXX  XXXX issued a 1099-C, as required by IRS regulations XXXX for this charged-off debt. 
Review of Account Handling Investigate whether XXXX  XXXX violated any provisions of the Fair Credit Reporting Act, Fair Credit Billing Act, or Fair Debt Collection Practices Act. 
I request a prompt response and appropriate action to correct this situation. If further information or documentation is required, I am prepared to provide it upon request. Thank you for your attention to this matter, and I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit file I noticed that XXXX is reporting a paid medical bill however I have found out that this utility bill is a result of identity theft. I have enclosed my FTC Identity Theft Report, police report, proof of my identity and a copy of my credit report showing the fraudulent items. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting or other personal consumer reports

On the evening XX/XX/XXXX I called Equifax and spoke to a rep to cancel disputes and remove dispute remarks on any and all accounts that had disputes on there. 
On the morning of XX/XX/XXXX I noticed that there were two accounts still showing dispute remarks, one account was XXXX XXXX, and the other was XXXX XXXX. 
I called back Equifax in the early afternoon on XX/XX/XXXX, to explain to the rep XXXX XXXX  and XXXX XXXX still had dispute remarks showing, the rep assured me that he went and deleted the remarks to those two accounts. 
Then later on the evening of XX/XX/XXXX around XXXX, I received an alert that XXXX XXXX  was removed completely from my credit file, THIS ACCOUNT SHOULD HAV NEVER BEEN REMOVED, just a dispute comment should of be removed. This XXXX XXXX  has been on my credit file since XX/XX/XXXX, will a payment 100 % on time its still an OPEN ACCOUNT. With Equifax making this error and deleting XXXX Mortgage, caused my credit score to go down at least XXXX points. The portfolio recovery account was updated correctly. 
On XX/XX/XXXX I called Equifax to let them know what exactly happened and they said they would not be able to add that account back to my credit profile!! I asked to speak to a XXXX, they kept putting me on hold every 3-5 mins I was on hold for an hour and XXXX minutes, for them to tell me the XXXX shift was over and they would have to put me in que for a different XXXX, and that the hold could be just as long or even longer cause there were XXXX other customers in front of me. So I hung up and started this complaint with the CFPB, please help!
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your investigation. I would like this item to be re-investigated immediately. This inaccuracy is highly injurious to my credit rating. All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated 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 : 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

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Please remove all inquiries which I listed in identity Theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I have sent multiple letters regarding unknown accounts in my report. It has been more than 30 days, but I did not receive any response or results. I am thinking that they are not attending to my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has posted five different amounts on for same account number to my credit accounts. Furthermore, I never entered into any agreement with them or the people they represent. I never signed any obligation or promise to pay nor am I accepting any charges to me from either. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has also reported two different amounts on same account, as well as a payment, none of which are mine. I have never entered into any agreement or contract with them or their client obligating me to pay any amount. 

I have disputed all amounts and accounts with TransUnion, XXXX and XXXX several times, yet they have not resolved the inaccuracies. 

I have never agreed to, or opened any accounts, with these reporting companies so how can they destroy my credit?
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. USDOE/XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 7XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Security Finance Corporation violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).
Product: Mortgage

I have had XXXX XXXX XXXX XXXX with XXXX XXXX XXXX for many years. In late XXXX, I was made aware that XXXX of the lines of credit in the amount of XXXX XXXXXXXX was maturing and that I needed to either renew it or close the account. The other line of $ XXXX was still in effect. I went to the local branch and spoke to the XXXX XXXX XXXXXXXX and was led to believe that a renewal was a simple administrative process and they would proceed on my behalf to merge both lines into a new line of XXXX XXXX. There was never any disclosure to me in terms of what the process would entail. This kicked off a process that seemed to evolve each week. On XX/XX/XXXX I received a form letter from the bank basically denying my request on the grounds that I was not credit worthy. This was quite a surprise to me as I had basically not been requested to provide any income verification or statement of assets including the value of my home. I responded to the XXXX XXXX XXXXXXXX on XX/XX/XXXX asking for the letter to be withdrawn on the basis of the flawed assumptions. At this point, I did not withdraw the application, but reduced the amount to $ XXXX to speed the process. After numerous other interactions with the bank, I went to the branch and asked to speak to the XXXX XXXX or a member of management. I was told that it was not their policy for customers to speak to Loan Officers. On XX/XX/XXXX I sent a letter to the XXXX  of XXXX asking to speak with someone in management that would help resolve the confusion and with the authority to clear the issues in my creditworthiness. On XX/XX/XXXX I received a form letter saying that XXXX had investigated and found no fault on their part and were closing their investigation. I will note here that I was never contacted as part of their investigation. It was at this point I withdrew my application for the XXXX  and began the process of closing all of my accounts with XXXX. I am filing this complaint now as it has taken me until now to get all of my accounts closed. I was concerned about possible blow back if I filed this complaint before then. As a result of this experience, my credit rating has been damaged. Customer service and sensitivity is sadly lacking and worse their actions create negative repercussions on their customers credit scores. This seems to be a clear XXXX  of disclosure and truth in lending laws.
Product: Credit card

I've consistently ensured timely payments on this account, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Money transfer, virtual currency, or money service

PNC prevents me from using XXXX because they want me to use their money transfer app, XXXX.
Product: Credit card

I received a mail in the letter from chase bank saying that I was unable to be approved for an XXXX XXXX XXXX  account when I never applied for one. The only account I applied for credit card to was XXXX  XXXX, I just recently opened an account with XXXX  XXXX to start building my credit score.
Product: Debt collection

Through a credit monitoring service I received notice of a collection account appearing on my credit report. On my credit report the account was reported by the collection agency  Medical Data Systems , Inc., h aving originated with  G  XXXX   XXXX   XXXX   Hospital.  XXXX  Hospital  had provided me a service in the Summer of   XXXX  .     I contacted the hospital and found that they and the collection agency both had an incorrect address on record.     My address is  XXXX   XXXX   XXXX   XXXX  in  XXXX , VA. They recorded  XXXX   XXXX   XXXX   XXXX . The first     XXXX     in my address was transposed to a  XXXX . I did not provide them with an incorrect address to my own home. Any mail sent to  XXXX   XXXX   XXXX  would have been returned to the sender.     I paid the bill immediately and received a receipt that memorializes the address error. It also has my name partially misspelled. I have included this receipt here, along with other documentation recording my correct address and name.     When I contac ted Medical Data Systems t  hey insisted that this was a valid debt and refused to remove it from my credit reports. Nothing  resulted from disputes I filed with the  XXXX ,  XXXX , and  XXXX . It now appears that the wrong address has been added to my credit reports.     I paid the bill as soon as I was made aware of it.     Prior to seeing the collection reported on my credit report, I received no notifications of the balance due.     I do n't think my credit should suffer because of a billing error.
Product: Mortgage

To whom it may concern Beneficial has sold our loan to XXXX XXXX around 2 years ago. Before finishing up with taking off the deferred interest home loan & side loan. We would get repeated phone calls from Beneficial that we were missing a payment. When we would go to the branch office with proof of payment, They would have no idea why we were contacted because the computer would show us current. We also have many statements that show full payment being made, but minus part of the payment and it showing up in deferred interest. But showing paid in full and never showing or saying that we were delinquent. Just before selling the loan Beneficial told us the deferred interest that we asked about was for 35 missing payments on both loans. When we tried getting information about the missing payments they would just hang up on us. When they finally did talk to us, It was just to tell us the loan was sold and they could not talk to us. We are wanting to refinance. But refuse to pay money we dont owe. {$49000.00} off home loan & {$7700.00} off side loan