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

XXXX XXXX XXXX XXXX is furnishing inaccurate information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. XXXX XXXX charged off the account for which they recieved a tax break and did not SEND ME MY FORM 1099-C they should have sent it when they Filled the account as a canceled debt. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which makes the reporting of the account inaccurate! By Definition, The IRS Clearly says a Cancelled debt or Charge-off is Income. The reporting of this account as a debt is inaccurate. 
Not only did they do such an act, but they also sold the charged-off account to a third-party collection agency which is now harassing me to pay a debt that I do not owe them. All of this constitutes tax fraud and I will file a 3949A form with the IRS IMMEDIATELY. 

I requested original documents and procedures from XXXX, XXXX, and Experian because they keep updating the information when disputed as verified and they did NOT provide me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

As a consumer, my rights have been violated entirely, these organizations will fully and fraudulently withheld pertinent information to suit their agenda.
Product: Debt collection

On XX/XX/2020 I submitted written documentation requesting validation of this and also validation that this company medicredit has the rights to collect on this account ... at this time Medicredit has responded with a itemized bill from the original creditor but has not provided sufficient evidence for these charges nor have they provided proof that they can collect on this account .... I have asked this company to immediately remove this account from all three credit bureaus immediately.. XXXX  XXXX  and also XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXXXXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

While reviewing my XXXX and XXXX credit report, I noticed an unauthorized and fraudulent inquiries initiated by CREDCO on XXXX/XXXX/2016. I did not authorize any employee of CREDCO to review my records for any purpose at any time. This is as a direct result of ID THEFT. I personally contacted CREDCO to delete this adverse information and requested for any verifiable signed documents by me, to date CREDCO has failed to provide me any signed documents within 5 business days nor did they delete this information from my report.. As a direct result, I have continued to suffer discrimination and irreparable economic loss of denial of meaningful employment. housing discrimination and denial of credits due laegely to gross negligence of the CREDCO employees acts and omission.
Product: Credit card

I paid off the final balance of the CHASE credit card. The statement only had a balance. Next billing cycle charged additional interest. The statement did not say how the interest was calculated. I called the company and they explained it was interest on the balance prior to the day the full payoff amount processed. I was told I was being charged interest daily on the balance. Before the payoff. I asked them why when I had paid off the amount it wasn't calculated as my account was closed. They did not have a response. Then I asked why on the new statement it did not disclose how that amount was calculated. They did not have an answer. It's absolutely predatory for them to continue to charge without a final payoff amount explanation. So, if I did not know about the final interest payment. I would continue to be charged on the interest. A never ending hook and loop of interest. I asked them to disclose the way the interest was charged in writing. Evidently they do not need to disclose that. It should calculate days the past balance was carried before the payoff, and the daily interest it was carrying on a daily basis. I have to do the math myself to make sure I was not overcharged. HOW DID WE GET HERE?
Product: Debt collection

I sent a debt validation to the XXXX  main credit bureaus on XX/XX/2021 to Ad Astra Recovery Services for {$300.00}
Product: Checking or savings account

I opened my NAVY FERDERAL checking account last XX/XX/year>. 
Navy Federal would make all my transactions pending and they would charge when no money was left and I would get charged over drafts fees. 
I also had the problem where money from my savings account would randomly get transferred into my checking account but the money would never appear in my checking account. 
I had no clue what was charging my account I would purchase something and it would be pending for a couple days and make my account go negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to log into my Equifax account to place a freeze on my report but keep getting a message that it is temporarily unable to log me in. I've tried emailing the company but they have yet to reply to me, not even an automated email acknowledging that they've received it and will get to it when they can.
Product: Debt collection

I notified IC Systems , Inc. in writing on XX/XX/XXXX that the amount of {$96.00} they were attempting to collect from me on behalf of XXXX XXXX XXXX was an erroneous charge. I sent them proof of mailing that the XXXX equipment was returned as required via XXXX on XX/XX/XXXX. The receipt documented the serial numbers of the equipment I returned. 

Despite this, I continue to receive harassing phone calls, first from XXXX XXXX XXXX in XXXX and now from IC Systems demanding payment. My efforts to resolve this dispute directly with XXXX XXXX XXXX were unsuccessful. XXXX said they would only correct it if I agreed to resubscribe to their cable service, which I refused. 

IC Systems submitted a derogatory report to the three credit reporting companies : XXXX, XXXX, and XXXX, on XX/XX/XXXX and XX/XX/XXXX resulting in damage to my otherwise excellent credit rating.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. I received a notification from all three credit companies, XXXX, Equifax and XXXX. That a debt collection/ collection agency reported something FALSE to my credit the collection agency being XXXX XXXX XXXX in the amount of XXXX. This is false. I do not know who These people are and I do not know if a XXXX. They have allowed a false agency to report something false on my credit. Please resolve this. Immediately. This is not my debt. I do not owe these people such a thing at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally reached out to Experian on in XX/XX/2022 regarding incorrect reporting of a collection account on my credit report. XXXX XXXX is a collection agency that agreed to remove the credit file on all 3 credit bureaus once I paid an amount we agreed upon for settlement. They sent me a letter showing that they agreed to that as well. Experian updated that the account was settled, but did not remove it. I submitted a dispute, and attached the letter from XXXX showing the account was settled and that they agreed to remove it from my credit report completely. Experian completed their investigation in 1 week and told they wouldn't remove it. I called in, spoke to a specialist at Experian and they re-opened the case on XX/XX/2022 and advised it was supposed to be removed. They have completed the the investigation again, and still have not removed it from my credit report. The dispute number is # XXXX and the report number is XXXX. I have the letter from the credit collection company showing they agreed to remove it from my credit report completely with payment, and Experian isn't removing it which is a violation of my rights as a consumer and they are not following fair reporting practices.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - Incorrect XXXX XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX XXXX XXXX Incorrect Address
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

Our Business has been getting repeated very harassing phone calls from Access Receivables and their employee XXXX XXXX in regards to a debt with XXXX XXXX that we do not owe. He continues to call and yell at myself and our employees. He is attempting to collect debt that we do not owe and has not provided any proof of the debt. They have sent us copies of old contracts, but what they have sent is not current and does not support their claim of the monies owed. They have said it is early termination of an internet service contract, but FCC has banned early termination fees in business data services, so that point is moot. I have told XXXX many times to stop calling and he has ignored this request. He has called repeatedly and upset employees at our business that have nothing to due with vendor interaction or financials by being rude, disrespectful, and yelling. 

All bills have been paid through our cancellation date of XXXX/XXXX/2015. Actually we paid our bill for the entire month of XXXX 2015, so there would be no problems. That seems to have not been the case. There has been nothing but problems and actually XXXX owes us money and not the other way around if we were to push the matter. See our correspondences attached that were mailed and emailed to XXXX. I spoke with them about cancellation prior to ending service and provided all they requested. They even came and picked up the equipment in XXXX 2015. At this point we need all contact from the collection company to end. No more phone calls harassing our staff and telling our staff how bad they are and the verbal defamation of our company to our staff. It has been completely unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed complaints and tried to resolve this with each credit bureau ( XXXX, Experian, and XXXX ). After their investigation which went beyond the required 30 days and they have yet to remove the late payment reporting. 

Dispute : I did an investigation on my credit report which has caused severe XXXX in me and found inaccurate and questionable items that the agencies did not make sure were reporting 100 % correctly. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report, and under XXXX XXXX Code 1681 e ( b ) and 15 U>S> Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. In addition, under 15 U.S. Code 1681 a ( 2 ) a ( 1 ), late payment reporting is a violation. They are transactions and experiences between me the consumer and Lending Club and should be excluded from my credit report.

603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers creditworthiness, credit standing, 2 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries on my credit file were never authorized I did not authorize for those companys to pull my credit report These inquiries need to be removed immediately XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested the removal of incorrect data and invalid inquiries due to data breech. They stated they only report factual information and that the inquiries will remain. I filed a complaint through the CFPB and they stated r they needed more time- you already sent me the determination.
Product: Consumer Loan

A negotiated settlement of  XXXX  dollars was accepted to payoff the auto loan and obtain title. A copy of the statement shows that the  XXXX  dollars was applied as a payment and not a payoff and the title was released. This occurred in  XXXX   XXXX  and a credit report pulled in  XXXX   XXXX  shows that a balance is still due. Since the  XXXX  dollars was applied as a payment and not a payoff, the interest clock is still ticking and and the  Servicing Supervisor clai ms that it is a deficiency balance.     Since the same servicing supervisor states in an offer letter that : "  Strategic Automotive Servicing will acc ept  XXXX  dollars as full and final payment and issue release of the title/lien. '' He has effectively has no claim to a deficiency balance.     The letter identifies the company, person who signed letter, name of the purchaser, VIN and auto description, and no mention of deficiency balance to carry over. Evidence of the transaction is also available. Also the title was released as per the letter agreement.
Product: Checking or savings account

On or around XX/XX/year>, I contacted USAA because XXXX XXXX XXXX XXXX XXXX charged me {$10.00} because my payment was late. I paid via Bill Pay service from I called USAA on the same day at around XXXX XXXX XXXX XXXX XXXX and spoke with XXXX XXXX. I was told that USAA will follow up and was given a case XXXX XXXXXXXX, A week later on XX/XX/year>, I followed up a phone call but was not given any information. There was no action taken. I am asking for {$10.00} be pay back to me. I was told that this will be forwarded to their Bill Pay. Again on XX/XX/year> at around XXXX, I called USAA again and spoke with XXXX XXXX and was told that no one looked into my issue. I told them that I will contact CFPB if I do not receive an official response from them.
Product: Money transfer, virtual currency, or money service

Today XX/XX/year> I was sending a payment to recipient XXXX  of XXXX XXXX dollars and when I went to the confirmation the name had changed to a different recipient that I never pressed. I tried cancelling and it didnt let me, then I called and they were no help. I need my money back.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2018, I applied for a XXXX XXXX credit card through XXXX XXXX using an on-line application. I received an automated email message confirming receipt of my application, which indicated that I would hear back within 2 weeks. 

On XX/XX/2018, after hearing nothing from XXXX XXXX or XXXX, I applied again on-line. I received the same automated email message as on XX/XX/XXXX. 

On XX/XX/2018, I stopped into a XXXX XXXX store to inquire about the status. I was told that the application was being processed. 

On XX/XX/2018, I called the phone number on the XXXX XXXX web site to inquire about the status. After being transferred four times, someone from XXXX told me that I had been sent a letter in XXXX and that I must wait for it to arrive. I noted that a letter that had been mailed in XXXX that had not arrived by XX/XX/XXXX was probably lost, but they refused to give me any additional information. 

On XX/XX/2018, I received a letter dated XX/XX/2018 that stated, in part, " Our records show that we received more than one application from you within a 30-day timeframe. Unfortunately, we do not process any additional applications received within 30 days of a previous application. At the time of your previous application, we sent you a letter notifying you of our decision. '' Having not received any response to my XXXX application, despite numerous attempts to contact them, I believe that Comenity Bank is in violation of the Fair Credit Reporting Act, which requires the lender to notify an applicant of a credit decision within 30 days of application.
Product: Mortgage

I called in to seek help and al I was told was to pay the behind payments not given any other options what so ever