23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company is showing information on my credit report that is inaccurate. It is ruining my livelihood and impairing me from obtaining credit and a place to live. This inaccuracy is causing a great deal of stress in my life and ruining my reputation. They have a grave responsibility of making sure that they are reporting accurate and validated information according to 15 US Code 1681. They are to report with fairness, impartiality, and a respect for the consumers to privacy. It is the purpose that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of consumer law. 

According to the IRS, which is on their website XXXX as of 2021 Even if you didnt receive a Form 1099-C you must cancel debt as gross income on your tax return. 

The IRS clearly defines a charge off as Gross or Ordinary Income, INCOME DOES NOT GET REPORTED ON THE CONSUMER Report.
Product: Payday loan, title loan, or personal loan

I borrowed {$500.00} from Bright Lending ( brightlending.com ) for a family emergency on XX/XX/XXXX. With the understanding some of the payment will be toward principal. I tried to log in to the account on XX/XX/XXXX to see how my payment is being applied and to obtain a copy of the contract. However, once I went into the account, I could not find any of my information. The portal will only allow me to request another loan. I called the same to day to retrieve my contract. I was told I could get the information from the portal. After several more attempts I was unable to obtain the information. I called once again and requested to have the contract emailed to me. However, this never occurred. 

I continued to pay the loan from XX/XX/XXXX through XX/XX/XXXX in the amount of {$150.00}. I called on XX/XX/XXXX to pay off the loan and was told I owe more than the {$500.00}. When asked why wasn't any of my payments applied to principal, the supervisor XXXX advised only some of my payments will only be paid to principal. I also asked her which payments would be applied as that was not specified in the contract, she stated it doesn't matter which payments. She also stated she could not pull up my contract at that time ( which also made no sense to me ). She said she would said me another contract after the call. I have not received the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, Please see all highlight activity which is considered to inaccurate. 
Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of inquiries on my credit report and inaccurate information on my account. This information needs to be addressed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus. 
Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 

Thanks in Advance
Product: Money transfer, virtual currency, or money service

I was issued a refund check back in XX/XX/XXXX for a vehicle accident that took place, after being put at fault for this accident that I did not because I was told that I was to schedule receive a refund check for a reimbursement to get another vehicle. The check was delivered in XX/XX/XXXX to my previous address, this check was then stolen, and my name was fraudulently forged and misspelled on the back and this check that was cashed in XX/XX/XXXX at a Wells Fargo atm machine, the next day it shows that the funds were approved and released. Who verified the names match the account and released the money before further investigating? 

After filing several complaints, and police reports, and speaking with multiple individuals to get this rectified, I finally received a fraud statement claimant on XX/XX/XXXX, I was told this would take approximately 90 business days before this was settled. 

Today 's date is XX/XX/XXXX, the 90-business day period has now passed, and every time I reach out for an update I am still being told that this is still in " progress '' status. Nobody can tell me anything else or when I should expect my payment from XXXX. I was informed that no response has been given from Wells Fargo to any of the banks in correspondence to get this resolved or if the funds will be recovered.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to investigate my dispute regarding inaccuracies in my credit report properly. Despite my submissions, XXXX consistently responds within 24 hours, stating the account is accurate without providing any evidence of a through investigation. This practice violates The Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( FILE No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. The accounts reporting inaccurately are XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending Club is reporting to the 3 credit bureaus inaccurate 30 & 60 days past due. I have disputed the items and they did NOT correct them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never signed up for emails from Credit Karma.

Credit Karma sends me frequent unsolicited and deceptive/incorrect emails alleging that my credit score has decreased, that I have missed payments on accounts that I do not have, that I have opened new accounts that I have not opened.

I understand that Credit Karma earns revenue by showing advertisements for financial services ( such as credit cards ), so I have avoided responding to their emails because I have not solicited their services and do not wish to provide revenue to a firm engaged in these types of business tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I checked my credit report. I found incorrect information on Equifax. The report stated that a collection agency, XXXX XXXX XXXX XXXX, was attempting to collect {$120.00} for a bill from XXXX for XXXX XXXX provided by XXXX XXXX XXXX. I contacted new west physicians and they informed me that the person that owed them money had a different middle initial and lived at a different address. I then went through the formal dispute process that Equifax has. Today, XX/XX/2019 Equifax notified me that they verified that this item belongs to me. 
I have never received any billing for this {$120.00} from XXXX XXXX XXXX and I have never been contacted by XXXX XXXX XXXX XXXX. 
Today I contacted XXXX XXXX XXXX XXXX. They agree it is not me and are trying to fix this from their end. 
Equifax did not perform any due diligence to determine in their dispute process. I would like to formally complain about the way Equifax handled my dispute of their incorrect records. 
Thank you
Product: Checking or savings account

Hi, I had created a savings account with Marcus by Goldman Sachs on XX/XX/XXXXXXXX  with an initial deposit of {$8000.00}. Since the account creation, I have been locked out and am unable to withdraw any of my funds. 

I have followed up several times with the bank on their customer services contact, but to no avail. Below is the timeline : * XX/XX/XXXXXXXX  - First enquired about being unable to withdraw funds on their website. They responded by saying they were unable to validate my contact number and will need an affidavit of identity to confirm it. This was an unusual request since I had provided by contact details at the time of account creation. 
* XX/XX/XXXX - I was hesitant to mail by personal details, particularly my SSN. Hence, I called to this issue again. 
* XX/XX/XXXX - I mailed them an affidavit of identity with my contact details, address and SSN. To be noted that I had provided all this information already at the time of account opening. 
* XX/XX/XXXX - Well over a month after mailing the affidavit, I first called them and they responded by saying that my account is under review and to wait for a couple of days before I can withdraw. I also requested the agent to talk to a supervisor. The supervisor responded saying they can expedite the request and I would get a resolution in 1-2 business days. If not, I can request for forced closure of the account. 
* XX/XX/XXXX - I contacted them again, 3 days later, but received an identical response to wait for 1-2 business days, after which they would contact me. The affidavit was still under reviewed and they can not unlock until that is processed. When I requested for a forced closure and my funds to be deposited back into my original account, they responded by saying that it can not be done until my account is unlocked! 
* XX/XX/XXXX - The customer service responded that since my contact number is not verified, they are unable to access my details and can not comment on whether they have even receive my affidavit or in what stage of processing it is. The Marcus team will contact me once they complete the affidavit review. 

I am now really worried and frustrated about the legitimacy of this service, even though it is FDIC insured. I am being unfairly blocked access to my own funds. I am a student depend on these funds to pay school fees and house rent. 

I hope this issued is resolved soon.
Product: Debt collection

Debt is handled by insurance the XXXX is paying the debt was never sent to them for billing also this debt is under XXXX and should be removed from my credit report
Product: Vehicle loan or lease

They would not cooperated with me at all, a loan was taken out in my name in high interest rates, In 2 different states. I even proved fraud to them, XXXX, and XXXX
Product: Credit reporting or other personal consumer reports

Statement of Fact : XXXX found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 


Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX XXXX Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 


The inaccurate reporting of both my account status and payment status by XXXX Account # XXXX causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Debt collection

I was wrongfully reput a negative mark on my credit reports a debit not owed it was legally removed once and it was sold off to a 2nd collection and hit my 3 credit reports I have asked Aaron collection agency Aka AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX, NV XXXX for verification and stated a fact I needed a signed contract that I did indeed owe this bill all the would do is send me a list of charges stating accept this letter and list of charges as proof no copy of id was given to me and signed signature and not signed contract this was sold to them by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Checking or savings account

they charging ridiculous fees when I deposited a check and they put the check on hold for almost two weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am not a credit doctor ; I am a natural human being, and a consumer who understands his rights in accordance with the Fair Credit Reporting Act, and the Fair Debt Collection Practice act. I am contacting you regarding XXXX XXXX XXXX XXXX, disputing inquiries they placed in my credit file that I am a victim of identity theft, and they were to block any fraudulent information they provide to the credit bureaus. In my correspondence with XXXX XXXX XXXX XXXX, my letter included my request for validation and deletion of the inquiries, and I enclosed sufficient proof of identity and relevant documents to verify who I am, and that I am a victim of identity theft. 
My initial letter sent certified mail ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2022 and another letter by U.S. mail dated XX/XX/2022 which was my last XXXX XXXX XXXX XXXX XXXX XXXX. 
I emailed them information XX/XX/2022, after speaking with one of their representative on XX/XX/2022 ( XXXX ext. XXXX ), which was the last communication of any sort with XXXX XXXX XXXX XXXX. I received two letters from XXXX XXXX XXXX XXXX, both dated XX/XX/2022, three months later, which is well outside the time allotted to respond to consumer disputes according to the FCRA. 

XXXX XXXX XXXX XXXX has not provided any information I requested neither have they provided competent documentation bearing my signature, nor have they provided any relevant documentation. As a consumer XXXX XXXX XXXX XXXX is violating my rights, including but not limited to 15 USC 1681b ( c ) Fair Credit Reporting Act : Section602 ( A ) my Right to Privacy Section604 ( 2 ) Furnishing information Without Written Instruction Section 605 ( B ) Not Blocking Information on my credit report that is fraudulent Section 611 Not responding/ completing an investigation within 30 days Defamation Negligent Enablement of Identity Fraud Violation of Fair Credit Reporting Act Supporting documents related to this complaint are attached and uploaded to CFPB website as of the date of this communication. 

Sincerely, XXXX XXXX, XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023, a letter was sent to GreatPlains Finance , LLC dba CashAdvance Now was instructed to revoke all future ACH payments and to terminate loan as it violates the The PLPA of Illinois.
Product: Credit card or prepaid card

In early XXXX, my daughter called me and told me that my ex-husband had left and was not picking up his phone. I went and picked her up and we tried to find him. At that point, we received a 'XXXX  ' note from him. In the note, he claimed that he had taken a loan out in my son 's name. We immediately filed both a missing person 's report with XXXX XXXX PD and a police report for identity theft against my ex-husband with XXXX XXXX, AZ PD. My son and I promptly checked our credit reports. My son found a loan for XXXX dollars from XXXX XXXX, and I found several credit cards under my name that were maxed out that I never knew about, and he neglected to mention when we divorced. I cancelled as many of the cards as I could ( because I was only an Authorized User ), but two of the companies ( Discover and XXXX XXXX ) have  refused to even contact the police officer assigned to the case. XXXX XXXX, on the other hand, has cleared the loan from my son 's name, and they stayed in communication with the officer on the case. Discover was communicative with us up until recently. Last month, they asked us to mail and fax them a copy of the police report from the police station we filed it at. We mailed AND faxed them a copy. We called a few days later to confirm, but nobody could tell us anything. We checked in again, and now they are telling us that they never received it and they require us to go to the police, have the officer call them, and submit the report even though just a month ago they said otherwise. Moreover, Discover refuses to give us a copy of the transaction history. I have no way to access the transaction history of the card because I don't know any of the login information. I can not dispute the payments made on the card because they won't give me a copy. Discover has led us back and forth on this fraud claim even when we have tried to be diligent in our response. The court wants Discover to contact them but Discover has not done anything on the case. 

Please note that the account name XXXX be under a different name. My name before my marriage was XXXX XXXX. 

I am resubmitting this complaint because XXXX has not contacted me after I have attempted to call them on multiple
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to furnish inaccurate information on credit reports. 
Contact made on several occasions to the company along with the collection agency. XXXX from the collection agency continued to manipulate the client for payment of XXXX. 
On credit report displayed another amount. Made contact with XXXX XXXX XXXX stated payoff amount is another amount, requested disposition of sale along with documents regarding repression, company failed to comply according to FCRA guidelines. In addition, requested documents sent from the collection agency, XXXX continue to badger the client for an amount of XXXX. Requesting a full investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Ann Taylor XXXX account. Unbeknownst me, I was not aware I was delinquent on my account as I never received notification from Comenity Bank and or Ann Taylor XXXX by mail. Upon hearing a voicemail message from XXXX Bank in XXXX I returned the call to inquire on the amount and speak with a CSR. I paid the amount on the phone and advised the CSR I never received notification in the mail of the latency to my account. The CSR stated they do not send notifications by mail as I was on paperless invoicing. I advised the CSR I never signed up for paperless invoicing. Fourteen days later, I received an update from the credit bureaus showing the 30-day delinquency and my limit had been drastically reduced. Of my having this account since XXXX I have never been late. I spoke with a supervisor on XX/XX/XXXX to inform him I never signed up for paperless billing, I was never properly notified of said delinquency as sending emails does not support delivery, to reinstate my credit limit, and to remove the 30-day reporting from the credit bureaus. The supervisor stated they could not remove the reporting as I would need to contest it on my end with all three bureaus. Supervisor further stated he could request a credit increase but that would be pending approval. I told the supervisor that was unacceptable as the error was on their end and not mine. I informed the supervisor I would be filing a complaint with the CFPB to get my concern resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year I went to XXXX to begin cell phone service since I had just gotten a divorce and wanted a new phone and account. At that time I was told they could not offer me service because I had an outstanding bill. I have never had an outstanding bill. So I called XXXX and they directed me to a website that looked unofficial. On that website all it said was to fill out the form and submit my drivers license, social security card and other personal date that I was not willing to submit. I did speak to the collections agency a month later and they said not to worry about it because it was being being reported. I have had medical issues since then so I dropped it. Now I have disputed it through experience two times and no one can give me proof that it was my account. The company can not prove that I bought anything or signed anything from XXXX at my home address. 

I need to know what next steps I can take to repair my credit Thank you XXXX XXXX
Product: Debt collection

I received an automated text from Amsher debt collections saying they wanted to help me resolve my account and to call to discuss. I didnt have an account there nor never heard of them so I didnt call. I just got notified on my credit report that I had a debt in collections by Amsher Debt collections from LLC Charter Communications for {$560.00} but Ive never had an account with them. I had 2 fraud occurrences this year as well. One with XXXX and one with another communications company. Its very frustrating to have to go through all of this again.
Product: Debt collection

On server occasions over the course of seven months The Convergent Outsourcing Company keeps falsifying information about validating a debt collection and the company falsify quoting On XX/XX/XXXX, XXXX placed an account for you in our office, to collect a balance on their behalf, in the amount of {$1000.00}. On XX/XX/XXXX, we sent you a validation notice. This notice included your right to dispute the balance owed. 

In writing I am strictly applying In accordance with the Fair Credit Reporting Act. 
This creditor as violated my rights under 15 USC 1681 Section 602, states I have the right to privacy. I am also requesting the description of the procedure used to determine the accuracy and completeness of the information the Convergent outsourcing took including but to limited to : 1. The initial written and signed contract showing I the costumer and convergent outsourcing in any agreement. 
2. The account and amount of product or services that I the consumer and convergent outsourcing agreed upon. 
3. All the detail steps showing proof of signed joint contracts from initiation to closure establishing names of parties involved in this said contract. 

According to the FCRA this should be presented within15 days completing your re-investigation. 
Also under federal law you have 30 days to complete this final delivery of your investigation. 
Being unable to provide accuracy I request this inaccurate information be removed from my consumer report immediately.
Product: Debt collection

Not may account fraud letter was sent with proof i always had health insurance. and request for information no response.