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

I am filing this complaint to formally request the Consumer Financial Protection Bureau ( CFPB ) to immediately investigate Discover Card Financial Services ( located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) regarding a charged-off account ( # XXXX ) that was charged off in XX/XX/year>. 

Despite this charge-off occurring almost XXXX  years ago, Discover is still reporting inaccurate and derogatory information to the credit bureaus, even though they have likely already claimed this charged-off debt as a loss with the IRS and received tax credit for it. 

Under federal law, once a creditor charges off a debt and files a XXXX Cancellation of XXXX XXXX with the IRS, the creditor is acknowledging the debt is canceled. Continuing to report this account as actively derogatory for over XXXX months after the charge-off is not only misleading but also an abuse of the credit reporting system. 

This inaccurate reporting has directly caused me severe financial hardship, including preventing me from being approved for new credit cards and other financing opportunities I need to move forward financially. 

I am demanding that the CFPB require Discover Card Financial to provide a copy of the XXXX form for this account. If Discover has already written off this account and taken a tax benefit, they have no legal right to continue reporting it as an active derogatory account to the credit bureaus. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), and if Discover has received tax benefits while still reporting the debt, it could also constitute tax fraud and deceptive financial practices. I am requesting the CFPBs immediate intervention to ensure that this account is properly corrected, and the harm caused to me is mitigated. 

If this matter is not addressed swiftly, I will escalate my complaint to the Federal Trade Commission ( FTC ), the Office of the Comptroller of the Currency ( OCC ), and pursue legal action for willful violations of my consumer rights. 

I expect a full investigation and resolution of this matter without delay. Please contact me if you require additional documentation.
Product: Credit reporting or other personal consumer reports

I contacted the company multiple times in order for them to send me the Identity Theft Victim 's Complaint and Affidavit form. 

Once I received the form, I signed it and sent it to the email provided along with evidence supporting my claim ( XXXX ). I sent the email and the attachments on XXXX XXXX and I received an automated email from the same email letting me know that my email was received. 

The email claimed that I would get a response back within 30 days and as of right now, XX/XX/year>, no response has been received. 

I even called XXXX XXXX ( XX/XX/year> ) to see if they needed any additional information and to get a status update and the agent was rude and disrespectful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX Block of information due to identity theft Dear XXXX XXXX XXXX Your company has been negligent in my recent requests in regards to negative accounts listed onto my consumer report. I never gave consent for your company to furnish any accounts on my behalf. The below accounts are a result of identity theft and I am demanding they be blocked and removed within 4 days of receipt of this letter. This request was not made in error I am competent of making this request. This request is not being made for material misrepresentation nor did I receive goods or services or moneys in regards to the transaction. If your company believes that I received goods or services it shall show proof sworn under penalty and perjury of the goods or services I have received. I do not consent to an E-Oscar response. The following accounts are listed below Account Name : XXXX XXXX ( XXXX XXXX ) Account Balance : {$6800.00} Account Number : XXXX Your company has 4 business days to remove the above accounts listed. I am demanding that the following accounts be removed as it is directly affecting my ability to obtain consumer credit and is causing harm to my financial reputation. 

I look forward to your response.
Product: Mortgage

my bank is calling me day and night up to XXXX times a day. I am NOT behind on my mortgage. yet they harrass me on the tele. i am ill- i am XXXX they are disturbing my rest and making me ill with anxiety.
Product: Mortgage

I was sued judicially by Nationstar/Mr. Cooper. They never served me a copy of the summons and complaint, so I had no idea of anything. When I moved to vacate the default judgment, the court did not even look at it, as I would have likely settled the matter in mediation given the minute amount of past due, I was never given that chance and did not want to file for bankruptcy, so they sold the property for far less than the market value despite never serving me with anything. My tenant is going to leave, and now, because they didn't even look at the motion, not to mention I was in a trial modification, I lost my home.
Product: Debt collection

Daily phone calls beginning in XX/XX/XXXX. 
Mutiple phone calls a day starting in XX/XX/XXXX. 

Receiving phone calls from the following numbers : XXXX XXXX XXXX called 2x XX/XX/XXXX XXXX XXXX called 2x XX/XX/XXXX XXXX XXXX called 2x XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX I eventually had to place 5 numbers on a 90 day block due to the increased frequency of calls each day. One number will also call, and a few hours later I will receive a call from a different number.
Product: Vehicle loan or lease

Tried numerous times to call and refinance and also to make payment. Emailed and called company several times with no answer.
Product: Credit reporting or other personal consumer reports

I recently viewed my XXXX credit reports and noticed several several late payments and inaccuracies reporting on my credit report .This complaint is being filed with the CFPB based on requirements of the Fair Credit Reporting act. According to ( 15 USC 1681s-2 ) and Fair Credit Reporting Act these inaccuracies must be removed. As well as ( 15 U.S.C 1666b ) on timing of payments according to ( 15 U.S.C 1637b ). The FCRA specifically states the responsibilties of all furnishers of information to consumer reporting agencies as well as the provisions of negative information in 15 U.S.C 1681 s-2. My consumer report must not reflect any negative inaccurate information that compromises my consumer report creditworthiness. The aforementioned are as follows, an account with XXXX XXXX XXXX  ending in XXXX showing XXXX late payments also a XXXX XXXX XXXX  account ending in XXXX reporting XXXX late payments. All of the aforementioned negative reports are reporting inaccurate information.
Product: Credit card

I sent 3 applications to American Express and in accordance with 15 USC1691 12CFR1002 they're not allowed to take any adverse action against the applicant and 12USC1431 their also required by law to provide small business with XXXX XXXXXXXX funding. XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentialit

y under 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/2022 and XX/XX/2022, {XXXX} was withdrawn each day for a total of {XXXX}. I visited my bank 's branch office for information regarding these unauthorized withdrawals from my checking account. I was assured that the bank would get back to me to provide information concerning these withdrawals. My checking account was blocked by the bank, and they subsequently opened a new account. I was telephoned two weeks prior by the bank 's fraud department to advise me that my account appeared to have been compromised. They asked if I had authorized payments from North Carolina, and New York. They further told me that someone had completed monthly automatic deductions to pay for a TV entertainment subscription. Realizing that the bank had not discharged its custodial responsibilities to authenticate authorization caused me much alarm. 
In response to my trip to my bank branch, I received a letter from the bank dated XX/XX/2022 which was supposed to detail what transpired to permit unauthorized withdrawals from my account. They wrote " After reviewing all relevant elements internal records and the information that you provided us, we have concluded that there are elements of your claim that lack credibility. Given the results of our investigation, we believe that the transactions that comprise your claim must be considered authorized and, as a result, we are unable to honor it ''. 
This generic copy and paste response from the bank does not address any of my questions or the bank 's negligence in securing proper authorization prior to transactions. There is no evidence that supports the bank 's justification or conclusions. justification. I did not personally provide any information directly to the bank 's fraud department. The information the bank received was telephoned in directly by my branch personnel. The bank 's conclusions could not be the result of any information I gave, as all the information submitted was given by phone by the branch employee. The purpose of my trip to the branch was to obtain the details of the so-called elements that the bank infers.
Product: Checking or savings account

XX/XX/2023 a hold was placed on a third party check XXXX XXXX from XXXX of {$54000.00}. Upon the check clearing funds available then My account was closed and my funds have yet to be returned. I contacted Wells Fargo several times with no avail to fixing the issue Wells Fargo Account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Arizona XXXX University has sent this debt that they claim I owe for tuition to this agency. I did not complete semester and I had told them to drop me from the online classes before the XXXX XXXX 2012 withdrawal date, which they did not do and has charged me for the whole semester.
Product: Credit reporting or other personal consumer reports

someone used my identity unlawfully and without my authorization or knowledge in an attempts to purchase a vehicle. The dealership ran my credit and then sent the application to DOZENS of their lenders. This resulted in dozens of inquiries on my repot for which I did not authorize or know about until I recently saw my report. I would like those inquires removed.
Product: Vehicle loan or lease

I have never been late with any of my payments. This is an inaccurate reporting on their behalf due to the pandemic they were processing the payment delayed on their behalf. They have refused to up their system and to update the credit bureaus regarding this inaccurate statement which is jeopardizing my credit score with the late payments that never occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and to my surprise i saw many fraudulent medical collection accounts listed on my credit report. I also have been recieving calls from debt collectors about accounts that are not mine and i recieved notifications that ALL of my personal information has been exposed in several mass data breaches in the past ad current. This is extremely devastating and i request that all of the fraudulent information be removed immediately. My request is in line with the Fair Credit Reporting Act Section 605B and i have the power to exercise my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ALSO THESE INQUIRIES ARE NOT MINE XXXX XXXX XXXX, XXXX XXXX from XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX from XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX All Banks XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

On XX/XX/2022, I deposited my first paycheck from my new employer. It was a paper check due to the company electing to complete a direct deposit verification with the account information prior to sending the funds to the incorrect account. I went to the drive-up teller window of my local Bank of America branch and made my deposit. I was informed that the funds would be available on XX/XX/2022. Some time later, based on my online transaction listing, a hold was put in place on my paycheck until XX/XX/2022. The amount was not over {$5000.00} which, to me, is an understandable amount to be concerned about given a high amount like that had not been deposited before. I attempted first to address the situation with Bank of America. The representative was informative and explained there was a hold and gave general reasons as to why it occurred when the teller stated that it would be available the next day. I then called the issuing bank of the paycheck and they confirmed that they already paid the check and there are now flags for returning the funds. I then called Bank of America again to complain and ask for help to get some sort of resolution or meet in the middle regarding this matter since the issuing bank has confirmed they have paid the amount. I asked if the bank could be contacted or the ACH be verified that the money was there. The three levels of support that I contacted kept repeating the same script and emphasized that there is nothing they are going to do to help this situation. I stated that it is causing financial, mental, and marital stress that there is no help occurring and all that was stated was an apology and nothing will be done. I then asked about automatic payments that I have coming to my account and how will these for sure bank overdraft fees will be handled. The second tier supervisor relayed that I will be responsible for those fees which will be taken out of that money once it is released. I complained that it did not make sense since they are holding the funds are not willing to help sort out that the funds truly are available from a PAYROLL check. There are no other phone numbers available for BofA to just file a complaint so I am adding it here for hopeful resolution for others because by the time this is addressed it will be too late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, CFPB. 

I want to request your help. 
There is an account that was already removed from my XXXX  and XXXX   credit reports. However, Equifax keeps on reporting this account, failing to respect what the creditor has indicated to do. 

The account is the following : XXXX XXXX  account. Account number XXXX Date Opened XX/XX/XXXX. Account has incorrect closed date, incorrect last payment date. 

If Equifax is not able to provide me with the following information ( I know they wil contact XXXX XXXX, and they will indicate to remove this item ), I demand this item to be removed : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this deb. 

On XXXX, XXXX, I sent Equifax a request for this item to be removed. They have violated the FCRA by not reseaching about this account ; proof of that is that they have not even mark the account as disputed. They are being negligent and unfair. 

I demand a deletion letter, and the removal of this item from my report. 

Thank you.
Product: Checking or savings account

I made a purchase from XXXX on XX/XX/22 the item was delivered on XX/XX/22. I began having problems with the item that I reported to the seller and on XX/XX/22 I submitted a return request through XXXX which was approved. On XX/XX/22 a refund was issued from XXXX in the amount of {$1200.00} back to my debit card issued through The XXXXXXXX XXXX XXXXXXXX Chime but the refund never posted to my account. I have made multiple attempts to resolve this matter with Chime to locate the refund, filing disputes, sending emails, and making calls and each of my requests have been denied by Chime. They can not explain why they have not issued the refund or where the refund is. I made a conference call on XX/XX/22 in which XXXX confirmed that the refund was issued. Chime refuses to explain where these funds are or why they refuse to issue a provisional credit until the investigation is complete as this is a large sum and it is apparent that the refund has not posted due to an error. I have included all the information I provided to them in order to prove my refund is owed an was issued and it has still not posted. I need this money to provide for my family and at this point I have no money, no merchandise and no help from Chime to resolve this matter.
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. 

Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. 


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

Equifax and XXXX  are reporting incorrectly that I am ( 60 ) days past due on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting

Disputed fraudulent accounts with Experian through their web site. Experian states they investigated and " verified '' the information and refused to delete the fraudulent accounts. For the account listed as XXXX XXXX I received a letter from XXXX stating they investigated, found in my favor, and told Experian to delete, which they have not done. The account listed as XXXX XXXX, Experian supposedly investigated shows 30 days late in XXXX XXXX, but then 60 days late in XXXX of XXXX which is obviously impossible. It also includes numerous reports of " No Data ''. The account listed as XXXX XXXX XXXX XXXX which Experian supposedly investigated show fake {$1.00} payments in XXXX, XXXX, XXXX of XXXX while the listed balance remains the same - which is obviously impossible and also does not match the date of last activity on the account. It also contains numerous listings of " No Data. '' I do n't believe Experian investigated these fraudulent accounts as they stated or how can they still have all of these inaccuracies? Experian is required to report accurate and complete information which they have failed to do, I demand these XXXX fraudulent accounts be deleted.