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

This letter is a formal complaint to prove this company is reporting inaccurate information to consumer reporting agencies and violation federal laws This is the account name, number and how much be allegedly charged off. 

XXXX XXXX This company, XXXX is reporting a false charge-off status about this account. Theyve openly admitted that there were no 1099c form filed for this debt, they said There is not a 1099-C available her account has not been discharded '' XXXX is reporting this debt as a charge off but saying this debt is not cancelled/forgiven and wont file a 1099-c form for it but according to the IRS, those things must had happened to legally make this account a charge-off. So, if these steps were not followed by XXXX to make this account a charge off by federal law standards, then what is this account? 

According to The IRS publication XXXX, It Clearly defines a charge off as Gross or Ordinary income. 

According to XXXX law dictionary XXXX edition a charge off is defined as anything manifesting intent to eliminate an item from assets if nothing on this account has been and not going to be eliminate on their end then how this company reporting it as charge off?? 

In order for an account to be a charge off, something must happen first. If XXXX XXXXXXXX has not charged the debt off on their own taxes, wont wrote the account off on their taxes and can not provide a 1099-c form, then it can not be a labeled as a charge off account. 

This company made up their own rules about what charge offs and willfully ignoring federal laws and definitions. Everything the FCRA have in place to protect me as a consumer is violated. You can not report an account in a status that it is not. This account isnt a charge off! 

XXXX is aware of their inaccurate reporting and has violated federal law 15 U.S code 1681s-2 I notified them in writing TWO times about the inaccurate reporting and under the prohibition section of FCRA this item must be deleted from my consumer reports. 

ATTACHED IS XXXX STATEMENT SAYING THEY DO NOT HAVE A 1099C AND THIS ACCOUNT IS NOT CHARGED OFF
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person
Product: Money transfer, virtual currency, or money service

The company blocked my ability to trade cryptocurrencies, providing a vague list of reasons that could explain why it wasn't working. I was asked to contact customer support and was left on hold for THIRTEEN HOURS. I submitted the required documentation and never heard back from them. As of the writing of this message, it has been over 30 hours since my original request was sent, and my support query is still on hold. 

Robinhood has absolutely no grasp on its customer support. Holding people 's cash and securities, it is a major liability, and I encourage a regulator to investigate them as I am sure that other consumers have been impacted by this ( I called the support number and was also told that the wait time was approximately XXXX hours ).
Product: Vehicle loan or lease

I have a auto loan with  Tidewater Motor Credit an d I wish I did online research PRIOR because every single complaint is the same or worse than mine and the Government has n't shut them down.  Tidewater  used a predatory loan and changed the terms on us after we signed paperwork, then their online and automated phone systems do not work on purpose to FORCE customers to call in so they can add on ridiculous fees to charge. When you call to make a payment the approximate hold time is in excess of more than TWO HOURS and when you finally do get through they either tell you that you MUST make 3 MONTHS worth of payments or they tell you to pay the vehicle IN FULL or they will not take your payments???!!!!! That will force customers to spend way more than they can afford, or into hiding. There are many lawsuits against them for the same issues. They called me at all hours of the day and night before  XXXX  and well after  XXXX  and they threatened to send someone to " sit outside my home to wait for me ''. Their repo people have disclosed my debt account balance to my neighbors by literally walking door to door in my GATED COMMUNITY, THEY HAVE GONE INTO MY WORK giving my boss and co workers personal information and how much I owe and leaving their information and they have offered a monetary reward to every one of them for turning me in. I had a woman named  XXXX  call me on   X/XX/17   and she told me that I should " be embarrassed by not paying my bills and I did this to myself and then told me she was sending a tow truck with  2  men to sit outside my front door and follow me everywhere I go to retrieve the vehicle '' Today is the 11th time I have had to call the police because there is no peace when these men come, they BANG on windows, AND DOORS SCREAMING OBSCENITIES, try to break in the home, scare my children, neighbors, and myself. They have literally CHASED me in multiple vehicles trying to get the vehicle and it is all because they want to get paid. Tidewater gives their employees bonuses to collect extra fees and more payments and if you do not comply they say they do not want your business. How is this legal?? How can they force consumers to call in and charge them through the roof or take the car when I was trying to pay on time. On paper it looks like I was never on time bit the reality is they would never take a payment. And if I could get through, I could not afford  3  payments at a time???? Look online at their own employee reviews and you will see that it 's high stress to meet the incentive money goals and most feel the consumer is being taken advantage of. I have a log book with every date, every threat, every form of harassment from Tidewater and will be taking them to court if they do not fix this issue. I am not sure what  Towing Company  is involved but their harassment also violates Nevada laws as well a s Consumer Credit l aws. The police have been called here so many times and if you tell the company in writing to stop harassing they ignore it. Tidewater does not care aboit the consumer PERIOD.
Product: Debt collection

I received a collection letter from XXXX dated XXXX XXXX that is not mine. It was a fraudulent account. I have previously communicated with Nordstroms that is the owner of the account with out success.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX lease turned in early. I was advised Id get a bill or credit once sold at auction. Months went by, nothing. In XXXX when refi my house I noticed on credit report Chrysler Capital saying I owe {$35000.00} or something in that ball park so I filed dispute. Dispute came back balance reduced to {$1900.00} but they marked me as being late for a year almost when I had no idea about the balance. They never communicated with me via email, phone call, fax, certified letter, or a letter at all. Id like to pay them what I owe but I want the negative falsely reported info removed from my credit profile.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent in my letters to XXXX, TransUnion, and XXXX asking them to remove the unauthorized inquiries and the 2 accounts that didn't belong to me. They responded with letters saying the accounts were verified. I sent them letters XX/XX/2024 and have not heard anything back. I was advised by TransUnion when I called in to file a FTC report as well as a police report. I did file a police report. Attached are the letters about the inquiries and I will include the 2 accounts in this paragraph. XXXX XXXX XXXX XXXX account number XXXX was unauthorized as well as XXXX account number XXXX only TransUnion are reporting that account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau.

Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information.

Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. XXXX XXXX XXXX. I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents.

By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report.It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify.I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of 5 my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months. 15 USC 6802 Obligations were to respect to disclose of personal information Part b opt out. A financial institution may not disclose non public personal information to a non public affiliate or third party. 15 USC 1692F part 6 unfair practices, talking or take any non judicial action to effect or dissent disabledment of property. Theres no present right to claim it. Sincerely
Product: Credit reporting

I was doing a thorough Credit Check via XXXX, which is something I 've decided I would do much more often. In the past, I would only use it to check my score, and that 's it. 
While looking around at the different reports, I noticed that TransUnion was reporting a XXXX name for me. I can not recall why this name would be reported under me, but it seems as if the reporting agency ( I can not figure out how to discern which agency reported my name wrong, or whether it is, in fact, fraud ) typed one letter of my name incorrectly. 
Whatever the reason might be, I 'd much prefer to have my name, and only my real legal name, to represent me in Credit Reports -- I do n't feel comfortable with another name out there that is n't mine that is attached to my liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal consumer to business ( s )  complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from Transunion, XXXX, and XXXX  with no success. They have refused to update information. Accounts to be removed : XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX # : XXXX, Bankruptcy ( s ) # : XXXX, XXXX, XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX ( ALL ), XXXX XXXX ( ALL ), XXXX # : XXXX, XXXX XXXX ( ALL ), XXXX # XXXX, Judgments ( ALL ), XXXX # : XXXX, XXXX XXXX XXXX # : XXXX. Remove all address other than my current address of XXXX XXXX XXXX XXXX, Il XXXX ; Remove all non-account holding inquiries over 5 days old,
Product: Credit reporting, credit repair services, or other personal consumer reports

I has sent multiple letters over the last 3 month trying to make XXXX  and experian follow the law. First letter was received by XXXX on XXXX. Experian received theirs on XXXX. Second letter received by XXXX and experian on XXXX. Third letters were received XXXX by both credit bureaus. Fourth letters received XXXX. All of these letters demanding several accounts be removed from my credit report as XXXX and experian are in violation of : 15 USC 1681 section 602A 15 USC 1681 section 604A sec 2 15 USC 1681c a5 15 USC 1681s-2 ( a ) ( 1 ) I have made every attempt to settle this matter outside of court. The bureaus simple refuse to follow the law. I am demanding one last time that the accounts i ask them to delete from my report be deleted immediately. Otherwise i will have no choice but to file a claim against XXXX and experian for multiple violations of the FCRA, the ECOA, and the Privacy act. XXXX had no problem following the law and removing these items. XXXX and experian must follow suit and do the same as they are all required by law to report accurate information. All three reports must match. 
30 days is almost up and they have not removed the items from my credit report. They are giving me no choice but to file a claim against them.
Product: Credit reporting or other personal consumer reports

The person, XXXX, XXXX XXXX XXXX, Experian A Consumer Report Agency, has been reporting personal information that is not mine, which is causing hardship. I ask for it to be removed after verifying the account on my Consumer Report which is being furnished by a person name XXXX XXXX XXXX a debt collector XXXX XXXX XXXX has been using my consumer report without my consent. I disputed this matter with the consumer report agency ( XXXX, XXXX XXXX XXXX ) and they just claim to verify the account. I have no documentation of validation upon request.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to express my deep disappointment and frustration regarding your company 's lack of response to the compelling evidence I provided through an FTC affidavit. In that correspondence, I requested EQUIFAX to conduct an investigation to authenticate a disputed account. I highlighted that this account potentially contained inaccuracies and should not be on my consumer report. While an " investigation '' was carried out, I must bring attention to a significant issue that has arisen. I received a letter stating that the creditor confirmed the accuracy of the accounts.It seems improbable that this creditor, managing millions of accounts across various bureaus, would take the time to verify this specific account unless prompted by EQUIFAX. I strongly believe that EQUIFAX employed delaying tactics against me in processing this investigation. Let me be clear : such behavior not only constitutes a stalling tactic but also violates the Fair Credit Reporting Act ( FCRA ) by neglecting to address my dispute request. The initial request for investigation was solely initiated by me, with valid reasons to believe inaccuracies existed on my credit report and without involvement from any third-party agency. It appears EQUIFAX intentionally disregarded my request for a thorough investigation.Therefore, this complaint serves as a formal notice demanding EQUIFAX to provide a detailed outline of your verification procedures within 30 days for the specified accounts below. Failure to comply will leave me no option but to pursue legal action against your company. Please investigate and remove it from my credit report.
Product: Debt collection

Phone calls on various dates. The company gave several different answers. They charged it off and threaten me to pay.
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 and caused defamation of my character : 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 
12 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.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

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

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. 
Please send me an updated report upon completion of my request. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

- vehicle total loss XX/XX/2023, which constitutes a material change in the consumer finance contract. 
- lump sum insurance payment to lender XX/XX/2023 left deficiency on loan. 
- NC contract law requires notification of deficiency following such material change - NO notification of deficiency was provided by lender, therefore the deficiency was unknown to borrower ( me ) - as soon as deficiency was made known to borrower ( 60 days after the fact via adverse reporting to credit bureau ) payment was immediately rendered to lender
Product: Credit card

This is a follow-up to CFPB Complaint # XXXX, which Citi closed without resolving the issue. In my original complaint, I reported that Citi 's ThankYou Rewards redemption portal does not allow users to remove linked bank accounts used for direct deposit. 
Citi responded with policy language about payment accounts, which was unrelated to my concern. I provided evidence that no removal option exists in the system. Despite this, Citi ignored the actual issue and now refuses to respond further, leaving the functionality flaw unaddressed. 
I am requesting CFPB escalate or re-review the issue, as it remains unresolved and significantly affects users ' control over their own financial data.
Product: Money transfer, virtual currency, or money service

I purchased XXXX dollars worth of ethereum prior to having my account closed by coinbase.com. I have been locked out of my account and am unable to recover my funds. It has been weeks since I have heard from customer support, and when they did respond it was n't related to the funds.
Product: Credit reporting

I submitted a dispute on XXXX XXXX, 2016 via fax with Equifax. I also sent in a photocopy of my drivers license as requested. I recently received a letter dated XXXX XXXX, 2016 advising me the identification information I provided does not match their records. 
The items I disputed are XXXX XXXX XXXX XXXX this account is reporting both open and also collection charge off which is reporting inaccurately. Outcome desired I have never been late. Please remove from my credit report. 
Department of Ed XXXX XXXX accounts are reporting closed with a XXXX bal which is correct but are reporting missed payments which is incorrect. Outcome I have never been late on either account please remove from my credit report. 
XXXX XXXX XXXX accounts are reporting missed payments. Outcome I have never been late on either of these accounts. Outcome please remove from my credit report. 
XXXX XXXX XXXX reporting XXXX missed payments. Outcome I have never been late please remove from my credit report.
Product: Credit card

I have a Mastercard XXXX XXXX XXXX  credit card for several years and always have paid the monthly balance in full. Recently, I agreed to transfer {$6500.00} to their 0 % promotional line of credit at a {$260.00} fee and I continued to use this card for other purchases. In XXXX, my credit card statement showed an interest charge on new purchases. I called to tell Mastercard that I paid in full all new purchases as I have done for several months. They initially say there's interest charge because of new purchases are accuring interest at time of posting the charge which never happened in the past ( but they ignore that fact ). When I speak with the supervisor, they say the interest charge is due to not paying 2 consecutive months payments in full up to that date of payment. So now I'm told in order to avoid a monthly interest charge on new purchases, I have to pay my monthly new purchases balance listed on my credit card statement as I always do PLUS I have to call them to get my current balance of new purchases as of today and include that amount on my payment. If I pay that total balance two months consecutively, then they will not continue to charge a monthly interest charge on my non-promo balance. I've called 3 months in a row to get this resolved. I even spoke with a supervisor and said if I pay x this month, then next month you will not charge interest, she said yes but I was still charged interest the next billing cycle. I'm frustrated with this operation and have only experienced this issue after signing onto the 0 % promotional interest rate. Although, I look closely at my monthly expenses, I'm concerned if other people who have the promotional rate are being charged this new purchases monthly interest and not noticing plus I'd like to avoid making this monthly call.
Product: Checking or savings account

I filed a dispute for XXXX and XXXX XXXX for XXXX and XXXX for XXXXXXXX XXXX because my money had been stolen I am filing a police report now that I have all the information I need they denied my claim even though I provided them text messages that my money was stolen no one has been able to give me any information on why my claim was denied it just is denied
Product: Credit reporting or other personal consumer reports

I have an account through XXXX XXXX, Acct # XXXX, as reported on XXXX. Please begin to report and add this credit card to my Transunion and XXXX accounts as well. I have called several times to have this account ADDED to my credit report, with no success. 

Please update ad ADD THIS ACCOUNT TO MY CREDIT FILE.