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

On XX/XX/2022, I sent Midland Credit Management a notice informing them of inaccurate information being reported on my credit report. I also informed them of why I needed the incorrect information corrected for Tax filing purposes. The company has listed this account on my XXXX and XXXX Credit Report as a charge-off, however, they never sent me a 1099c which is what the IRS informed me I should have fact received so that I may correct my Tax return. This is being reported on my Consumer Report as a Debt that is owed when it is in fact income. If this is the case, I requested the 1099c from Midland directly however, I have yet to receive a response with the information requested and that the Internal Revenue Service informed me to request. This can not be correct and therefore is inaccurate as it can not be debt and an income at the same time and how it is currently being reflected on my Consumer Report. This account Midland Credit Management is furnishing needs to be removed as soon as possible. Additionally, I sent out notices to XXXX and XXXX advising them that this account is inaccurate as well and the account still is being reported more than 60 days later. If this can not be corrected at this step with CFPB and Attorney General, I'm forced to turn this over to my Attorney to pursue this issue further.
Product: Credit reporting or other personal consumer reports

Both companies are showing that the accounts on my Transunion consumer report are charged off as ( XXXX  ). However, I haven't received a 1099-C from either corporation. I'm respectfully requesting copies of the 1099 's from both entities or remove the derogatory remarks from my consumer report. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The IRS also states that any accounts that a corporation may claim as a profit loss on their taxes shall not report derogatory marks to a consumers report. As the debt was written of and the creditor received credit via XXXX  on their balance sheet.
Product: Credit card or prepaid card

American Express upgraded my card from Gold to Platinum which gives me a spending limit of {$30000.00}. Since my credit history was perfect and I never missed a payment, I was offered credit with a higher rate. So I decided to make a purchase and use the card, I even called them before making a purchase and I was told and verified that it's okay and I can use it for my purchase. 

However, credit is denied but not given a reason why and was refused credit even though I'm qualified for it. They disabled my Platinum card and I was told that my spend limit was downgraded from {$30000.00} to {$7000.00}. Called them but they discriminated me, I was treated differently on the phone as they were having a hard time pronouncing my name. 

Afterwhich they sent me an email downgrading all my other credit cards. 
I have a {$12000.00} spend limit which they downgraded to {$4600.00} and the other card was downgraded from {$12000.00} flexible to {$15000.00} down to {$6000.00}. ( will attach the emails ) It is very unfair that all my other cards were downgraded when they were the ones who purposely upgraded my card and there is no basis for the downgrade. It was clearly credit discrimination because of my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/2020 Chase credit card put a hard inquiry in my XXXX and XXXX  file. I dont recognize this hard inquiry. I been trying to contact Chase to remove this hard inquiry from my XXXX  and XXXX file but the company dont give an answer about it. I ready call to XXXX  and they told i need to fi directly with the Issuer bank.
Product: Checking or savings account

Hello ive been a victim of fraud and having problems with bank of america i have filed claims on that account on XX/XX/XXXX. Bank of america told me to not touch that account and i didnt untill all claims are resolved. They denied my claim and their not refunding me for the claim XXXX transfer fraud and on top of being a victim of fraud they closed my account and sent me to XXXX XXXX and early warning services without resolving my problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Over 2 years ago, I took out a Title Loan and my Social Security income changed drastically so Title Max attorney allowed me to make payments less the interest. I completed the payment for loan and received my title to my vehicle. For past 4 weeks Ive been inundated with collection calls. I called the number on the Caller ID and these are hard nose collection agents XXXX XXXX. I blocked one phone number then call on another phone number regarding a cleared up by Title Max Legal Department.

They are ignoring the legal decision for to make payments and harassing me to make payments, I do not owe this company any money.
Product: Credit card

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I leased a vehicle from XXXX XXXX in XXXX, FL which used XXXX XXXX XXXXXXXX as their leasing company XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX appears to be engaged in unfair / inaccurate credit reporting practices. They are using the wrong balance ( the total value of the leased vehicle as my balance ) on credit report and reporting the type of loan as a mortgage not an auto lease. This is a 39 month lease at {$290.00} per month. Total balance is {$11000.00}. They are reporting a balance of {$26000.00} on my credit report. This is deceptive and inaccurate information. I've tried to talk to tell about this and they said there is nothing they can do. This is just the way they do business. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX Balance : {$8000.00} XXXX XXXX Balance : {$3200.00} XXXX OF XXXX XXXXXXXX Balance : {$0.00}
Product: Vehicle loan or lease

Credit Acceptance Corp has continually garnished my wages in the full amount for a vehicle they repossessed and resold. I have filed motion after motion to quash and arrange a payment agreement only to have them not provide me the info to make the payments and subsequently refile the garnishment. This loan was from XXXX yrs ago or more and I have tried to work with them.
Product: Checking or savings account

I had been having unexpected expenses between XXXX and XX/XX/2019 due to an illness and medical bills.I had overdrafted about 6 times during that period. Since I receive a monthly pension automatic deposit of {$5800.00} on the XXXX of every month and an automatic deposit of {$940.00} on the XXXX and another {$940.00} on the XXXX of each month from a part time job I usually have enough funds to cover any overdrafts during an emergency or period of extra monthly expenses. So I was billed {$35.00} in overdraft fees for about 6 times during this period. That's about {$210.00} in overdraft fees which I expected to incur and which I could make up with the funds coming in the following month. Well 's Fargo has a policy of permitting up to 3 overdrafts transactions per day with a {$35.00} overdraft charge per each transaction. They also have a policy of not charging an overdraft fee if the transactions occur within 24 hours of an automatic deposit and a policy of approving the transaction if an automatic deposit is scheduled to be deposited within 24 hours. However on XX/XX/2019 a {$240.00} transaction for XXXX XXXX   was declined at XXXX mst even though the next day was XX/XX/XXXX and an automatic deposit of {$5800.00} was scheduled within 24 hours, It is suspicious that when it was not advantageous for Wells Fargo to collect their {$35.00} overdraft fee they simply denied the transaction in direct violation of what they advertised their policy is. This is false advertising. When I called and complained they simply said it is at the discretion of a computer and not guaranteed. It appears that it is only guaranteed they will approve an overdraft transaction if they can charge a {$35.00} overdraft fee but if the overdraft transaction occurs with 24 hours of a direct deposit and they can not charge a {$35.00} overdraft fee they decline the transaction in direct violation of their advertised policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent an investigation letter, certified, to all XXXX credit bureaus. Transunion, XXXX and XXXX due to a multitude of inaccuracies I found on my credit report/consumer report. ( the certified mail reciepts will be attached as evidence ) I highlighted boldly for the to INVESTIGATE CONSUMER REPORT Ther response was the information was accurate, they did not inform me of the methods used to verify these accounts and clearly they did not abide by the guidelines set for by 15 U.S.C 1681 because The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. 

Hence, XX/XX/XXXX i sent XXXX more certified letters, stating I have previously requested that you investigate, and you have failed to inform me of the methods utilized to verify and validate these reporting, correct the errors, but you are still reporting on my credit report. Now is not the time to update, I demand that you immediately delete this inaccurate & incomplete information from consumer report as prompted by 611-15 U.S.C 1681 ( i ) ( 5 ) ( A ) ( i ). 

I also filed this complaint with you, the CFPB, the supporting complaint ID 's are as follow : XXXX. XXXX XXXX. XXXX XXXX. XXXX As a result, between XX/XX/XXXX and XXXX XXXX all the accounts have now been updated but still not removed as prompted and i clearly stated Now is not the time to update, I demand that you immediately delete this inaccurate & incomplete information from consumer report as prompted by 611-15 U.S.C 1681 ( i ) ( 5 ) ( A ) ( i ). 

My rights to investigation has been disregarded and violated, my XXXX response was violated, everything about this is unfair, this clearly is a indication that the XXXX Bureaus believe they are above the law. It is unethical and unfair for them to feel that can do a reinvestigation XXXX months later! 

These are the inaccurate accounts : XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX FCU, XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. XXXX FIN, XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX. VIRGINIA XXXX, XXXX XXXX. CCI : XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX, XXXX XXXX. SYNCB/MTRSFM, XXXX XXXX. SYNCB/WALMAR, XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX, no account info available ( reporting from XXXX ) XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX attaching the inital investigation letter, the certified mail reciepts, and the current responses on my credit
Product: Debt collection

I have previously sent in a complaint against this company for this exact reason. I also spoke with someone in the corporate department, and she assured me this would be handled. I told her I was to not be contacted unless I ran a month behind. It is the XXXX of XXXX, this company called my cell phone first as to which I couldn't answer because I am at work. They then proceeded to call my work phone AFTER I asked them to put a " DNC '' Do Not Call on the account. I mail my payments in, and I have mailed them a check for last month and a check for this one as well. It is XX/XX/XXXX, my payment due date is the XXXX of every month. XXXX also speaks with a condescending tone and regularly cuts me off when asking questions. Again, these people have the title to my vehicle. I will always pay it, I was waiting for my new bank to send me checks. If these people call me again, I will pursue a lawyer. Especially when I am not even a month past due. XXXX is the person who keeps calling me. I also, told her for the second time, do not call me at work. I am done playing with this company. This is the last time before I take further action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are currently delinquent on our Mortgage and are in Final Stages of Approving a Short Sale. With our financial troubles we went to refinance our auto-vehicle to reduce the interest rate and were advised that our Mortgage Lender is reporting Foreclosure Status. This home has never had a Foreclosure Sale Date ( it should only be reporting as delinquent ) This predatory report of inaccurate information is now hindering efforts.
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Our Bank said they could have refinance with us being delinquent ( which is correct ) but now can not due to it stating it is a Foreclosure. This home has not Foreclosed and has never had a Foreclosure Sale Date on Calendar.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting that I am 90 days late on XXXX account that previously never reported me late at all. This is a huge mistake and is a violation of the FCRA. I am formerly asking Experian to remove this account as it is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting information on my credit file that is from identity theft. I sent the police report and verification of my address. The information being reported is from halfway across the world in California. They will not send me verification of the debt or any document that proves the item being belongs to me. They are also refusing to remove it from J credit profile. I have XXXX collection accounts that are identity theft and transunion is not following the law by trying to verify the debt. I need those items removed immediately
Product: Credit reporting or other personal consumer reports

THIS IS INJURIOUS TO MY CONSUMER REPORTS. 

Over the past four weeks, I reviewed my credit report from all three credit reporting agencies and discovered listed accounts that have late payments that were not late and a bankruptcy on my files. I have placed 8 phone calls to get this information removed from my files.

I sent ( 4 ) certified letters TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To the agencies, but no agency has corrected the inaccurate information AND HAVE ONLY SENT ME COMPUTER GENERATED LETTERS THAT DO NOT ADDRSS MY ISSUES. In addition, the US Bankruptcy Courts have provided documentation clearly stating they do not verify or validate any public records. 

You are violating the FCRA law by not responding on time and not working with me to correct inaccurate information. I want to know how late accounts were verified on PAID AS AGREED ACCOUNTS and how other accounts are late but CLOSED and PAID 100 % with no remaining balances. I also want the bankruptcy REMOED IMMEDIATELY FROM MY CREDIT REPORTS. Documents and evidence attached. 

If you do not move expeditiously to correct ALL late pays an the bankruptcy for the following accounts, I will seek more legal action against you. I am doing a CFPB complaint as well for not having a proper response and result from you this time. I am submitting these incorrect items once again to remove all associated late payments and bankruptcy. I am paying these accounts as agreed or they have been paid in full already. Please remove the late payments immediately and the bankruptcy. 

Reporting inaccurate information is misleading. PLEASE investigate and REMOVE immediately. Under Section 1681 ( G ), please send me details of the procedures that were used to verify all inaccurate late payment accounting and include name/address/phone of ALL persons contacted to verify this inaccurate information per regulations found in the FCRA. 

Late payment accounts being reported inaccurately On TransUnion, XXXX, and XXXX : The report are inaccurate from last payment date, last activity on account, late payments, account status, last payment amounts to how accounts are 100 % paid in full and as agreed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5 late pays, Closed, Paid My consumer report is extremely important to me, and I want to advise that willful non-compliance is a violation of Section 1681 ( n ) of the FCRA. I assume 30 days is a reasonable amount of time to delate all of these late pays on my history. After removal please provide an updated credit report from ALL reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I had started the process of disputing a few things that were listed in accurately on my credit report. I discontinued disputing believe that the report was accurate once they investigated certain items. A letter was sent to all three companies letting them know that I no longer disputed the accounts in question. I received a copy of my credit report and the dispute verbiage was still reporting on one of the accounts. I contacted them and told them I did not dispute the account and again to remove the verbiage. I have been fighting this since XXXX and the statement that the account is being disputed is still listed. It appears it's listed on one of the XXXX XXXX XXXX accounts and it shouldn't be.
Product: Mortgage

I pulled my credit score through my XXXX card ( it was a feature they allow with their online services ). I noticed my credit score dropped XXXX XXXX points from around XXXX to around between XXXX & XXXX. I got worried and pulled my free credit report through XXXX and found out that my HELOC with Bank of America was reporting 60 days past due from XXXX and XXXX. I have always had stellar credit and had a few VERY SMALL medical collections show up through the years is all ( which by the way, medical collectors are notorious for reporting collections to your report immediately and should have to follow the same rules as banks since it is all financially related ). My ex-husband and I divorced back in XXXX of XXXX and I asked for Bank or America over the phone to add my mailing address to the mortgage account as well so I would be notified of any late pays prior to them reporting to my credit report to make sure there was nothing ever reported since my ex-husband was responsible for the monthly payment on this account. Well, I just found out they reported my information to the credit bureau and I was never notified so when I pulled my credit report I was shocked to find 60 days past due on my MORTGAGE! When I contacted Bank of America on XXXX XXXX, XXXX ; I spoke with XXXX, and was told Bank of America 's software can only take XXXX mailing address for them to mail anything to ; therefore, any co-borrower or guarantor or any other party to a loan will never receive notice of late pays. My ex-husband and I do not live together so any mail sent to the primary address will NEVER make it to me ; therefore, I was not properly notified of any late pays and was not notified prior to any adversity reported on my credit report. At this point, I am looking to sell my house, but I will now not qualify for a mortgage loan with a prime rate because there are late pays reported to my credit. Had I been notified, I would have made sure the payments were made on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX, and XXXX is refusing to remove bankruptcy case number XXXX from my credit report, even though XXXX the reporting credit agency has deleted the information from my consumer report stating they were unable to verify the accuracy of the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXXXXXX Bankruptcy Filed XXXX & XXXX XXXX Bankruptcy XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX ( previously XXXX ) Account # XXXX I am writing to dispute the in inaccurate information from the XXXX/U.S. Department of Education that appears on my XXXX, XXXX and Equifax XXXX XXXX reports that indicate that I have XXXX XXXX payments for XX/XX/XXXX and XX/XX/XXXX. 

The XXXX Department of Education has permanently banned Navient from servicing Direct Loans and other financial aid programs due to XXXX making numerous processing errors, including misapplying payments and harming the credit scores of borrowers which has inluded mine. Now that XXXX loans are with XXXX these proessing errors inluding missapplied payments are again showing on my credit report with XXXX and harming my credit score. I have disputed this numerous times to deaf ears. 
XXXX. Navient/U.S. Department of Education XXXX XXXX show my payment and correct applied payments to loans through XX/XX/XXXX. 
XXXX. Navient/U.S. Department of Education XXXX XXXX show my payment and proessing errors and misapplied payments to loans XXXX through XXXX. 
Enclosures : XXXX Department of Education Debt Collection Bill XX/XX/XXXX Collection Bill from XXXX XX/XX/XXXX XXXX Department of Education XXXX XXXX XXXX XX/XX/XXXX XXXX Payment History XXXX  Borrower payment records XXXX XXXX accounts showing 90 day late payments for XX/XX/XXXX and XX/XX/XXXXXXXX XXXX