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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These account are hurting my ability to obtain credit. It's my understanding that you will investigate these accounts for me to ensure accuracy Here are the accounts I am asking you to verify as accurate : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX
Product: Consumer Loan

Our payment is due on the XX/XX/XXXX of every month. For the payment due XX/XX/XXXX we are unable to pay until the XX/XX/XXXX, due to owing the IRS. We called our account manager XXXX who told us that this is an active collection 's account and that management is reviewing this account for repossession. We gave him viable payment arrangements, to make a full payments of {$280.00} three times in the Month of XX/XX/XXXX to bring the account not only current but should put us one month ahead. I work in car finance and to tell us they will repo the car before the car is even 30 days past due. We receive rude text messages from XXXX and get no customer service whatsoever. We have struggled before and there have been months where we had to pay less than what we owed but we have never gone a month without making a payment. The " account manager '' is basically telling us they would rather not take our money and repossess the car. They received XX/XX/XXXX payment, in full, one day before the due date. We have no family or friends we can borrow the funds from. In XX/XX/XXXX they received a {$5000.00} check from our insurance company due to hail damage. But still we are treated as loafers who continuously do n't pay. This company does not care about customer service and helping out their customers.
Product: Credit reporting or other personal consumer reports

In correct information is on my credit reports under acts law ... ... list of companies is on my reports... .XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I noticed this inquiry on my XXXX credit report, I called this Barclays Bank they could n't find anything, the customer service representative told me it will be removed. I got my up to date credit report from XXXX it 's still on it. I then sent a certified letter and they responded with a letter saying that they received a on line credit application for some type of credit I 'm not sure of what type of credit. They 're just telling me they verified the information on the application. I do n't know this bank/ company never applied for no type of credit on XXXX/XXXX/16. I 've been a victim of identity theft and that 's why I requested my credit reports from all XXXX agencies. This isnt me they wo n't show me anything showing they verified this and it belongs to me.
Product: Credit reporting or other personal consumer reports

XXXX is inaccurately reporting my account as charged-off and closed, yet it continues to display the account as having an unpaid balance of {$2800.00} and a delinquent status on my credit reports with TransUnion, XXXX, and XXXX. This reporting is misleading and inconsistent with the legal definition of a charged-off debt. Additionally, XXXX has refused to issue a Form 1099-C to document the cancellation of this debt, further complicating the situation. 

I filed a prior complaint ( XXXX ) with the CFPB about similar issues, but the investigation appears to have been incomplete. XXXX continues to report inaccurate information, despite my requests for correction under the Fair Credit Reporting Act ( FCRA ). 

Actions I have taken : Contacted XXXX directly to dispute the accounts inaccurate status, including their refusal to issue a Form 1099-C. 
Filed a previous complaint with the CFPB regarding this account. 
Actions taken by XXXX : Refused to issue a Form 1099-C while still reporting the debt as charged off. 
Continued to report an unpaid balance and delinquent status on my credit report. 
This inaccurate reporting has significantly harmed my credit and financial standing, and I believe it violates both FCRA accuracy standards and 26 U.S. Code 6050P, which governs the reporting of canceled debts. 

I respectfully request a thorough investigation of this issue, as I believe the previous investigation did not fully address these concerns or result in a fair resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter on XX/XX/20 to Navy Federal disputing an account being reported on my credit report as me being an Authorized User on a account, I have never had or been in possession nor asked anyone to allow me to be an authorized user on their Navy Federal account and would appreciate your help in correcting this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer with Sears CTI credit since XXXX always paid on time without any missed payments. My Account # XXXX XXXX XXXX XXXX was used as auto pay online on various accounts. All of a sudden last XXXX my account was closed. I called Sears credit card and they said I actively cancelled my account and could not reopen. I told them I did not close it and was a customer for a very long time with XXXX XXXX credit limit. They said sorry I closed it. I then asked for proof a recording or some other means proving my closure and they were unable to provide any. I feel they are hiding some sort of information since they can not prove my account was closed. 
Called XXXX 's Spoke to XXXX # XXXX representive on XX/XX/XXXX and she said case closed. 
There is discrimination here and they would not admit to it.
Product: Mortgage

This complaint is about : LoanCare, XXXX XXXX XXXX.XXXX. XXXX XXXX XXXX  XXXX, VA XXXX. 
XXXX XXXX The loan number is XXXX Under the name XXXX XXXX Loancare Credit dispute # XXXX They are refusing to fix errors they have made to my account : On XX/XX/2020 I received a call from Loancare saying my payment was late. After trying to get ahold of Loancare for two and a half days. I finally got through to XXXX # XXXX on XX/XX/2020 at XXXX XXXX. I explained to her it was there error and to get ahold of my credit union who sends the checks out. I gave her their phone number to call. I had been sending the same checks to them for a year without any problems. She refused to call and clear up their error. 

On XX/XX/2020 I sent an email through their site to explain that they had made an error and please clear it up. I again gave my credit unions phone number. I also asked them to stop the daily calls to me. I still receive the daily phone calls. The company refused to call the credit union. I then got ahold of the credit union and they sent me proof of the check and on XX/XX/2020 I sent the information to loancare. On XX/XX/XXXX a late payment of {$26.00} was added to my account. 

Later in XXXX the check in question dated XXXX, XXXX payment, was sent to my home. As I am not living there right now it takes a while before I know what was sent to the house. There was a paper sent with it as to explanation as to why it was sent but there was nothing marked on it. 

Later another check arrived at my home dated XXXX, XXXX payment. This did have a mark on the paper saying they could not identify the check. They had been identifying these check for a year now. Why the problem? I have repeatedly asked where to send these two checks to so they can be applied to my account. They will not answer me. 

On XX/XX/XXXX they sent a letter to my home saying they did not have my insurance information. 

On XX/XX/XXXX I emailed them the insurance information. 

On XX/XX/2020 they informed me that an escrow account was opened in my name and insurance money was taken out of it. 

I never opened an escrow account. 

On XX/XX/2020 I sent an email through their site asking 1. I need to know where to send the two checks too.

2. Have the escrow account removed from my account 3.Have late payments taken off but there has been no response to this email On XX/XX/2020 I received an email thanking me for my check dated XX/XX/2020, XXXX payment. On that sheet was an email address to send complaints to so I sent them another complaint about my account. 

I received an email back saying this site is no longer being monitored. 

I am completely stumped as to how to get my problem with loancare fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, have 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 an account without my written instructions.
Product: Payday loan, title loan, or personal loan

I lost my job and was diagnosed with XXXX XXXX XXXX and lost car due to no employment
Product: Credit reporting, credit repair services, or other personal consumer reports

An unauthorized inquiry from XXXX XXXX was reported on XX/XX/2018. I called XXXX to find out why they ran my credit report and they said they have no record of speaking with me and do not have an answer as to why my credit was ran. I then called Transunion to file a dispute on the inquiry. Transunion told me that they do not dispute inquiries as they are facts. I told him it was not a fact, it was not authorized and it was fraud. He said it did not matter and if I wanted it removed then the company that pulled the report would have to submit to Transunion in writing that the inquiry needs to be removed. I asked him why a company that committed fraud would submit anything. I was again told that inquiries are facts and can not be disputed. I informed him that I submitted a dispute on unauthorized inquiries to XXXX and it was removed immediately. He said Transunion does not have a process to dispute inquiries, so he can't help me.
Product: Credit reporting or other personal consumer reports

I have mailed out dispute letters regarding old addresses no longer associated with me and employers on XX/XX/year>. I have yet to see this information updated on my credit report through XXXX XXXX. All information must be up to date and accurate. Any time i call bureaus to remove and update very simple things, they give me a hard time, and hang up the phone. Customer service when calling Bureaus, especially Transunion is the WORST ever when it comes to communication.
Product: Checking or savings account

On XX/XX/2018 I received a promotional offer from XXXX XXXX XXXX whereby if I deposited {$10000.00} into my checking account I would receive a {$100.00} bonus on XX/XX/XXXX. 
I followed the instructions and deposited the {$10000.00} in my account, which remained there for over 90 days. 

I have yet to receive the {$100.00} from Charles Schwab despite numerous calls and requests. This is unacceptable as I could have earned more money putting these funds elsewhere, XXXX XXXX XXXX   can not simply go back on the terms of their agreement and fail to provide the promised bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letter communications and I have received no results and no actions have been taken to fix my report. None what so ever on all credit bureaus. Trans Union XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I noticed All XXXX Credit Bureaus that Ive been a victim of identity theft. A fraud alert was requested at that time. As of now it seems as nothing was done. Its still multiple fraudulent accounts, address & inquiries on my files. 

The Following Address need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX. XXXX XXXX XXXX Ct XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Following inquiries 1.XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XX/XX/XXXX 6 XXXX XXXX XX/XX/XXXX The following accounts are fraudulent, per FCRA XXXX. But for some reason they keep saying its been verified. How was is verified. Because Ive never done business with these companies, or entered into a written contract. So please tell me how are you verifying this. Ive sent multiple FTC reports. Per the Federal government thats what I was told to do. No one can over ride federal law. Please Block these fraudulent accounts from my credit file 1 XXXX XXXX Acct # XXXX 2. XXXX XXXX Acct # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX Acct # XXXX 5. XXXX XXXX Acct # XXXX 6XXXX acct # XXXX 7. XXXX Acct # XXXX 8. XXXX XXXX Acct # XXXX 9. XXXX XXXX XXXX Acct # XXXX
Product: Credit reporting or other personal consumer reports

FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE XXXX XXXX BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT. 
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXXXXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX 2023
Product: Vehicle loan or lease

I received a car loan from Fifth Third Bank back in XXXX. I paid off the loan completely by XXXX. The bank never released the title. I called them and asked them to release the title, they told me they would, but never did. XXXX hit and I forgot about this issue. 
Forward to now, I'm trying to either get different insurance or sell my car ( depending on the insurance ), but I realize I need the title. I put in a request in the California XXXX for my title, only to be informed that the bank never removed the lean like they were supposed to. I was told that I needed to pay money fill out some forms and get a letter from the bank that the lean has to be removed. I called the bank on XX/XX/XXXX and requested the document. They told me they could fax it to me in XXXX business days. I waited until the XXXX with no fax and called them again. 
This time, they told me they don't know what happened, and that I would need to request it again. I argued that it had already taken more than a week and I couldn't keep waiting, but they gave me no option. They opened up a case number and told me they would call back in 3 days. Today, XX/XX/XXXX was the XXXX day with no call so I called them. They informed me that they are not allowed to fax this letter, that I've should have been told, but now they have to mail it. They will not expedite it and I will need to wait XXXX business day so they can ( hopefully ) mail it out. 
At this point, I don't believe the bank has any of the paperwork. They will not release the lean or provide me with the documents even though the loan was paid off. I need help with actually getting them to release my car and my title.
Product: Money transfer, virtual currency, or money service

I have been a loyal account holder of Venmo for years. Always paying/receiving with friends and family. My account was frozen out of nowhere XX/XX/24 and with no explanation. I have sent many emails and complied when they requested information from me. ( Uploading my drivers license ) They have given me the run around transferring me to different departments never actually answering my questions. 

They are holding my money and will not allow me to transfer to my bank account. On top of all of this shadiness they will still accept payments into my account from friends/family, but I will never be able to access it. This is not good business practice. I strongly advise that you do not trust Venmo with your business and money. I have also done extensive research about thousands of other horror stories of unwarranted frozen accounts. This is unacceptable and I want my money now.
Product: Payday loan, title loan, personal loan, or advance loan

ACCOUNT XXXX A letter that we received and disputed in XX/XX/XXXX and numerous times after that. We neither one of us contacted Wells Fargo on account that we could not make payments at any time. When In fact we stated differently and in fact never missed a payment and have been paying extra. Only to get letter stating because of a borrower had informed them of financial hardship, with has impacted their ability to make payments on the account. To which we wrote back immediately ( letter dated XX/XX/XXXX ) stating otherwise. 
This issue has not been resolved but a mass letter stating they would remediate and get back after this, l to date still has not been resolved. 
XXXX, XXXX get letter that payment may increase as our draw period will be ending. We have not been able to draw on it for several years but have been making payments that are not being applied correct to reflect what we are paying and the as the balance is increasing. Our account has not been corrected/reinstated and we have an account someone else apparently is using. 
XX/XX/XXXX we receive a letter that states : check enclosed for account ending in XXXX, your account was previously in COVID 19 related payment suspension, we restricted your home equity line from credit further advances. We are enclosing a check for any issue the loss of access to your line of credit may have caused. We apologize for any inconvenience. Check is for {$200.00} not cashed as this is obviously a mistake on our account thru Wells Fargo and this is being stated in letter and with payment. 
We also received a letter last week stating about what payment would be on account we have not been able to use or draw on for years that we have tried to state balance is incorrect.
Product: Debt collection

I am writing to formally request debt validation for the above-referenced account under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g
Product: Credit reporting or other personal consumer reports

i have heard nothing from this company and its been XXXX  months.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$600.00} written off. 
XXXXXXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$330.00} written off. 
XXXX XXXXXXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3200.00} Status Account charged off. {$3300.00} written off. {$3200.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9400.00} Status Account charged off. {$8600.00} written off. {$9400.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$600.00} Status Collection account. {$600.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$330.00} FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Money transfer, virtual currency, or money service

On the night of XXXXXXXX XXXX XXXX  someone ran my card way in California several times and continued into XXXX XXXX, XXXX. That same night a {$50.00} transaction was taken from my account from a transaction that occurred a week prior on XXXX XXXX XXXX. I immediately transferred my remaining balance to my mother as I could not think of another way to protect my funds, then proceeded to attempt to contact customer support at CashApp. I was not able to find a phone number or any way to speak with an agent just a XXXX with empty promises. Earlier in the year I attempted to contact them concerning a {$40.00} transaction that occurred on XXXXXXXX XXXX XXXX to no avail. The transactions are as follows : -XXXX XXXX XXXX  : {$40.00} XXXX XXXX XXXX : {$50.00} -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX For a total of : XXXX
Product: Debt collection

Ive tried to email and call into XXXX about this debt but XXXX stated that the debt was sold and they no longer had liability of the debtI advise XXXX of the debt was not mines to be collected and I was not going to speak to a collections company for a debt that was not my own