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

I had five accounts become delinquent in 2014 due to a job layoff. All five accounts were charged off in late 2014. However, Experian has continued to report incorrect information, including reporting 2-3 of these as a new charge off EACH MONTH. They also continue to show the balance of all but one of these as a continually growing balance. I believe this is being reported in this manner as an attempt to re-age these accounts. 
I have reported and disputed the incorrect information with Experian, but they continue to report the incorrect information. They state they have " verified '' the information, which they provided no documentation or verification of. I do not believe they actually investigated it. Experian now refuses to even let me put in a dispute, stating they already looked at it so I can no longer dispute it. I have sent in two rounds of paper/hard copy in addition to the initial online dispute, and they have ignored both. 
Additionally, the reporting is inconsistent for these accounts, even though the delinquencies and statuses should be the same for all as they happened at the same time. 
The 5 accounts ( XXXX XXXX XXXX, XXXX XXXX, XXXX, and two accounts with XXXX ) should all show a charge off in late 2014 and no further charge offs afterwards. As they have been charged off, they should all show a XXXX  balance. The accounts should all show as closed by consumer, as I closed them at the time of my layoff, prior to delinquency. 
The fact that these are misrepresented as continuing charge offs or new delinquencies is grossly affecting my credit score. When these errors were corrected on my XXXX account, my credit score with them jumped over 40 points, just from putting the correct information on my record. Unfortunately, XXXX then allowed the companies to re-report the " new '' charge off data which returned my score to the low value. I understand that the delinquency from 2014 will stay on my report for 7 years, and I have no problem leaving the CORRECT information on my report - I was delinquent and the accounts were charged off. However, the continual re-reporting of these old delinquencies has prevented me from having a score and report that accurately reflect my credit worthiness, which has impacted everything from my ability to rent an apartment to the rate I can get to consolidate my remaining debt. I simply ask that the information on the report be accurate, which Experian has repeatedly refused to correct.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : 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
Product: Debt collection

NES collections continues to send emails sometimes twice a day. With no info to dispute
Product: Debt collection

I have recently viewed a copy of my credit report and noticed that there are accounts that are reporting negatively, and don't belong to me. Please remove these accounts they are hurting my ability to obtain credit.
Product: Credit reporting

I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank You
Product: Credit card

After reasoning, reviewing my credit report, I noticed an open account that I did not authorize. I did not open an account with Zales Comenity Capital Bank on XX/XX/XXXX. The only account I have with Comenity Capital Bank that I am aware of is the account that I authorized on XX/XX/XXXX. Some how my account got mixed up with some elses account. The unauthorized account that was open on XX/XX/XXXX has a credit limit of {$2800.00}, but my account only has a {$1300.00} limit, so therefore thats fraudulent information reporting on my credit report. I called the bank several times and they told me that they would send me an email showing me that the account was deleted but I have not received any email, but it is still showing up on my credit report.
Product: Checking or savings account

Navy Federal charged me with numerous insufficient fund fees before my payments posted to my account. For example, if I paid a bill on the XXXX, the money would not be withdrawn until almost 5 days later resulting in me being charged with a XXXX or XXXX fee. I tried to enroll in the overdraft program, but that program had a fee attached to it.
Product: Money transfer, virtual currency, or money service

XX/XX/31 XXXX $ Scammed by someone money was taken and wont be returned
Product: Credit reporting or other personal consumer reports

Submitted inquiry XX/XX/year>XXXX XXXX they stated it was verified and updated as such results were not sent upon request only stated verified complaint was also filed here and again significantly later than the allowed time Id like this removed
Product: Credit reporting or other personal consumer reports

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  Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a signed contract nor any contract with XXXX XXXX XXXX. I have NEVER done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filing formal disputes with these 3 companies since XX/XX/2021 and they are violating the laws that are listed in each letter. I humble myself to be a law abiding citizen and yet the companies are bullying me and yet getting away with it. I will upload the attached letters and show you what I am speaking of. 

I am preparing for a lawsuit for {$5000.00} per company in the next 30-45 days.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against DISCOVER for inaccurate credit reporting, potential violations of the Fair Credit Reporting Act ( FCRA ), and fraudulent practices that have caused me statutory damages. My credit report shows an accou
nt with DISCVOER as " charged off ''. However, I have not received a Form 1099-C from the creditor, which is required by the IRS when a debt is forgiven or canceled. This inconsistency raises serious concerns about the accuracy of the information being reported and the creditor 's practices.

Under the FCRA, specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to credit reporting agencies have a duty to provide accurate information4. The discrepancy between the " charged off '' status and the lack of a 1099-C form suggests a violation of this provision.

Furthermore, 15 U.S.C. 1681s-2 ( b ) requires furnishers to conduct a reasonable investigation of disputed information. I believe DISCOVER has failed to properly investigate and correct this inaccuracy, despite my attempts to resolve the issue directly with them.

I am concerned that this situation constitutes fraud and extortion. By reporting the debt as " charged off '' without issuing a 1099-C, the creditor may be attempting to collect on a debt that has been forgiven for tax purposes, while simultaneously damaging my credit. This practice could be seen as an unfair or deceptive act under 15 U.S.C. 45 ( a ).

The inaccurate reporting has caused me significant harm, including statutory damages as defined under the FCRA. According to 15 U.S.C. 1681n, I may be entitled to actual damages, punitive damages, and reasonable attorney 's fees for willful noncompliance with the FCRA.

I request that the CFPB investigate this matter and require DISCOVER to : Provide documentation supporting the " charged off '' status Issue a Form 1099-C if the debt has indeed been forgiven Correct any inaccurate information on my credit report Cease any attempts to collect on this debt if it has been forgiven Compensate me for the statutory damages incurred due to their inaccurate reporting The failure of DISCOVER to address these concerns has caused significant damage to my credit and financial well-being. Their actions appear to be part of a pattern of behavior that the CFPB should investigate, as credit reporting issues continue to be the most common complaint received by your agency.

Thank you for your attention to this matter. I look forward to a resolution that ensures compliance with federal law, protects consumers from such practices, and provides appropriate compensation for the damages I have suffered.
Product: Debt collection

During the last school term of 2014, I was tasked with the care of a XXXX relative. I was already enrolled in classes and was utilizing a tuition deferrment program with my University. I withdrew from courses to care for my relative and this debt has since been sold to a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To whom it may concern ; RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of Dark Web identity theft. There have been accounts and services established using my personal Identification without my authorization. 
After careful review of my report, I have identified the information listed below, is the result of Dark Web theft on the affected accounts are listed below. 
I do not and have not obtained business or services under these accounts! 
You must remove it immediately without prejudice. 
XXXX XXXX XXXX  XXXX XXXX  ACCT : XXXX XXXX : {$2500.00} XXXX XXXX ACCT : XXXX XXXX : {$3600.00} XXXX XXXX ACCT : XXXX XXXX : {$7700.00} XXXX XXXX, XXXX. ACCT : XXXX XXXX : {$100.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$5500.00} There are also the below listed inquiries on my report which have never been placed by me. These need to be removed immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that I have never lived. 

The below addresses need to be removed from my reports immediately! 

XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuous and ongoing to no avail. 

This is again a demand to remove and block such information from the report in question. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XX/XX/2020
Product: Credit reporting

XXXX inserted collection on my credit bureau. Per letter sent to me by creditor a verification of debt was requested promptly on XX/XX/XXXX ( attached ). A letter to all XXXX credit bureaus was sent on XX/XX/XXXX. No response from XXXX has been received as of XX/XX/XXXX. A call to creditor on XX/XX/XXXX acknowledges receipt of letter dated XX/XX/XXXX for verification. They also acknowledge they can not verify accuracy of debt or date of XXXX delinquency. Per my records, this account was paid in full to the original creditor and the account was closed prior to XX/XX/XXXX. Per the Fair Debt Reporting Act, any debt reporting needs to be accurately reported and a verification of debt is required if requested by consumer. Furthermore, any debt with XXXX date of XXXX delinquency over XXXX yrs from the original debtor can not be reported to the CRA 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I recived a inquiry on my credit from XXXX XXXX XXXX. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail. 

On XX/XX/XXXX I recived a inquiry on my credit from Capital One. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail. 

On XX/XX/XXXX I recieved a inquiry on my credit from XXXX XXXX. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail.
Product: Debt collection

Debt collector has gone as far as to contacting both my parents multiple times a day, every single day. After repeatedly, polite requests to stop- yet continue to do so.
Product: Mortgage

I see my loan balance as {$330000.00} when it was transferred to Nationstar Mortgage LLC d/b/a Mr. Cooper on XX/XX/2019. I got a statement from XXXX ( my original mortgage company ) on XX/XX/2019 and the ending balance at their end was {$330000.00} at the time of transfer. The same amount was shown in the last monthly statement I got from XXXX. 

I contacted XXXX and they confirmed that they transferred {$330000.00} to Mr.Cooper. 

I informed Mr.Cooper about this issues on XX/XX/2019 through an email from their website. I was told that they are researching the issue but I never got a proper response after multiple follow ups.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reported a security breach making me vulnerable to identity theft. The only method to completely protect myself was to place a freeze on my personal information on all four  credit reporting agencies. This has cost me {$31.00} and ten hours of my time so far and will likely increase after temporary freeze expires. I feel I should be reimbursed for this. This breach was totally out of my control.
This is not the first time a security breach has resulted in my personal information being exposed. It is past time for regulatory agencies or Congress to fix this permanently - credit reporting needs to be secure - I should be able to lock down my personal information with something other than my social security number and birth date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer by law and this is a formal complaint and was not sent in error or default. There are erroneous accounts on my consumer report not reporting 100 % maximum accuracy. I have experienced unauthorized use of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the identitytheft.gov website I provided Equifax with the requested documents regarding Identity Theft claim, Equifax sent me a generic letter stating that they would not block the fraudulent accounts.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, Skrill suspended my brother-in-laws account without providing any clear explanation. Shortly after, on XX/XX/XXXX, Skrill closed my own account without prior notice, again with no detailed reasoning. The total amount involved is {$120000.00}, which I had transferred to my brother-in-law in multiple transactions.

For months, we made repeated attempts to contact Skrill via emails and certified letters ( including one sent to their Florida office ), requesting explanations for : 1. The reason behind the account suspension and closure. 
XXXX. Proof that the funds were available as they claimed on XX/XX/XXXX. 
XXXX. Where the funds were being held during the prolonged freeze. 
XXXX. Clarification on withdrawal restrictions and justification for delays. 

Despite these efforts, Skrill failed to provide any clear or satisfactory answers. Their responses were vague, generic, and often copied from their terms and conditions without addressing our specific concerns.

Current Status : Skrill now allows us to withdraw the funds but under unreasonable restrictions : XXXX ( their sister company ) was initially offered as an option, with a low fee ( {$3.00} per transaction ) and the ability to withdraw up to {$38000.00} instantly. However, Skrill suddenly revoked this option without explanation. 
Current withdrawal options :

Credit/Debit Card : 7.5 % fee, up to {$2400.00} per transaction, 1 business day processing. Bank Transfer : {$5.00} fee, capped at {$1500.00} per transaction,
with a 5-business-day wait time.

With these limits, it would take over a year to withdraw the full {$120000.00}, incurring unnecessary fees and delays. 

Unresolved Issues : No explanation has been provided for the initial account suspension, closure, or the prolonged hold on the funds. 
No transparency about where the funds were held or if they were used by Skrill for financial gain during the freeze. 
Unjustified withdrawal restrictions and inconsistent policiespreviously offered options ( like XXXX ) were revoked without any reason. 
Skrill has ignored certified letters and failed to respond to detailed legal correspondence.

Impact : This situation has caused : Financial hardship due to restricted access to a significant sum.

Emotional distress from Skrills lack of transparency and cooperation. 
Suspicion of unethical financial practices, as Skrill continues to profit from holding the funds without justification.

What We Want : 1. Immediate, unrestricted access to the full {$120000.00}, without arbitrary limits or excessive fees.

2. A detailed explanation of why the funds were held and why the withdrawal options keep changing.

3. Accountability for Skrills unfair practices, including regulatory investigation if necessary.
Product: Credit card or prepaid card

Citi Bank posted my payments 16 to 25 days after they were mailed for the months XXXX, XXXX, and XXXX of 2021 ; previously, they were posted 6-9 days. They charged me late penalties and interest, waiving the first assessment for the XXXX invoice after I complained. 

I subsequently complained in writing, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021, about additional late fees and penalties, including late fees and penalties on contested amounts, noting the previous posting history and noting that other creditors to whom I mailed payments at the same time posted those payments in 5 to 7 days. Citi then waived the remaining fees and interest but reported the delinquency to credit reporting services, which resulted in a XXXX point and two rating category drop in my credit score from an " exceptional '' XXXX to a " good '' XXXX, now adversely impacting my ability to get a housing loan. 

I asked for proof of late payment in light of my evidence of timely payment. Today, in a phone call which was recorded, the Citi Executive Response Team from the Office of Citi President and CEO XXXX XXXX told me I'd have to get a subpoena for that information. 

I went to the Citi website to get a copy of the card holder agreement but was informed I had to request a copy online that would be mailed to me in 7-10 days. I requested it online but never received it. I then again asked for a copy of the agreement in writing, to which the Executive Response Team stated they would mail it to me in 7-10 days. I have yet to receive it.
Product: Debt collection

Southwest Credit Systems sent me a collection notice for a bill from " XXXX XXXX XXXX ''. I have never missed a payment for any bill, including my Internet bill. Further, my ISP is XXXX, which is a brand of XXXX XXXX. XXXX hasn't been around since 2016. I called XXXX to confirm my account is in good standing, which it is.