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

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute of Charge-Off for XXXX XXXX XXXX XXXX Account # XXXX I am writing to formally dispute the continued reportin of a charge-off on my credit report for XXXX XXXX XXXX XXXX account # XXXX. This charge-off has been converted into taxable income and is no longer a valid outstanding debt. Therefore, it should not be reported as such on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate, verifiable, and up-to-date. Specifically, under 15 U.S. Code 1681i, if information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or removed from the credit report. 

Since the charge-off has been converted to taxable income, it no longer represents a debt owed and therefore should not be classified as such in my credit report. Additionally, this change alters the nature of the account and its reporting under current credit reporting laws, as the amount reported is no longer a liability but an income item that has been recognized by the IRS for tax purposes. 

I respectfully request that you promptly remove this charge-off from my credit report, as it is no longer applicable and reporting it as such is both inaccurate and misleading. 

Please investigate this matter in accordance with the FCRA and provide written confirmation of the removal or any necessary action taken regarding this account. 

Thank you for your time and attention to this matter. I look forward to your prompt resolution.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found that in accordance to the FCRA you violated my rights under 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave Transunion, OR the below listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices. 

XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX According to FCRA XXXXection 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the following companies numerous times and filed a claim with Experian and XXXX. I have contacted XXXX XXXX to inform them my score is incorrect and this problem has not been resolved. XXXX XXXX  has not contacted either Experian or XXXX to my knowledge. My card balance for the account ending in XXXX is {$1300.00} and balance for the account ending in XXXX is {$660.00} as of today XX/XX/20. I have made previous payments on both accounts to lower the balance over a month ago and have filed a previous claim. I have made sure to keep the balance low. We are trying to buy a home and are having an issue getting a non FHA loan because my score wont update due to my account balances. Thank you for your time hopefully they can resolve this.
Product: Debt collection

i do not have any debts but continue to get calls from " XXXX and XXXX XXXX XXXX. '' it is always a recorded call with a message to call them. this morning when i picked up the phone i did not say " hello '' which is when the recording normally begins. Instead i said " yes, '' and the call terminated. I am very concerned that this will be used in some incriminating way.
Product: Credit reporting or other personal consumer reports

XX/XX/2023. I called XXXX and asked for my file number for a bankruptcy that they are reporting to confirm that when I asked for it in XX/XX/2023 that it was the same file number that was told to me in XX/XX/2023. 

File XXXX XXXXXXXX ... ... .. That's what XXXX told me again today. 

I have my LexisNexis Consumer Disclosure Report and no bankruptcy exists in the 354 pages that is dated XXXX 


XXXX is reporting this derogatory mark public records Reference XXXX XXXXXXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX. 

XX/XX/2023 I called XXXX to find out why they were reporting a bankruptcy and they said they got the information from a 3rd party agency. I reached out to XXXX through CFPB. XXXX responded that they are not reporting a bankruptcy and to maybe ask Lexis Nexis. XX/XX/2023 I called Lexis Nexis to get help locating a bankruptcy on my consumer file. The representative couldn't locate it and said to ask XXXX to give the file #. I called XXXX and they gave me File # XXXX. I called back Lexis Nexis and spoke to XXXX who told me the file # is non-existing. I then called back XXXX and they texted with me and said to dispute online and they would remove the details. I have attached the screenshot of the conversation. 


XXXX has not done anything to remove the details and the account.
Product: Checking or savings account

I was informed I could not close the account while talking to an agent, they are asking me to go in branch. I am unable to visit a branch location since the closest is an hour away.
Product: Debt collection

On XXXX @ XXXX CST I received a call from XXXX XXXX who transferred me to a XXXX XXXX XXXX XXXX XXXX XXXX . Not sure of the exact spelling. I advised I needed to call him back after XXXX today. I called back at XXXX and asked for XXXX XXXX , another gentleman answered. XXXX XXXX then got on the line and explained I owed {$9600.00} for a Discover Card opened in XXXX and closed in XXXX. I stated I never had such card and advised him he was mistaken. After @ XXXX mins conversation he finally stated he recorded our call towards the end. I told him that was not legal and he should have advised this in the beginning. I asked for a Case # he never provided it. When XXXX XXXX initially called me she said she was calling on Case # XXXX. She did not state anything else and transferred the call. I never had a Discover card. XXXX XXXX also had personal information SS #, former and current residence addresses. Threatened to cease all bank accounts effective XXXX on XXXX. I again explained I would need to find an attorney to dispute the charges. XXXX XXXX became offensive and continued to state my accounts would be ceased effective Wed XXXX. My concern was his knowledge of information and his " collection methods '' I asked for written documentation to be mailed so I could validate the alleged debt, he clearly indicated he could not provide such, he was only here to collect the debt! This is unprofessional and uncalled for. I wanted to submit an official complaint for 1 ) a debt that was not mine 2 ) the methods used, 3 ) harassment on the phone 4 ) etc..
Product: Student loan

I am a XXXX and work XXXX, all of which qualify for the public service student loan forgiveness program. I have been on the program for several years. I have XXXX things I need help with. 

First, unfortunately, when I first went on the program I was mistakenly told to sign up for a type of government student loan which did not qualify. I found out and changed to a program which does. 

The problem is, I ca n't find out exactly when I was put on a qualifying program so I do n't know how many more payments I have to make to reach the 120 payments required on a qualifying loan and have the rest of my loan forgiven. 

When I called the Department of Education to ask, they told me they do n't know and I have to call my current loan servicer. But when I called them ( MOHELA ), they said they do n't know and told me to call the Department of Education. 

In the meantime, because individuals combining several part time jobs must work an average minimum of 30 hours per week to qualify as a full time employee and get the loan forgiveness after 120 payments, I have to have a combined XXXX and office hour load of 30 hours per week. This is because most schools will only certify the hours I XXXX and hold office hours when they fill out the employment verification form I must give to the government, even though they know my work load is much heavier. ( I also have to XXXX, etc. ) A normal XXXX load requires XXXX between XXXX- XXXX classes a semester for a total XXXX time of about 9 to 15 hours a week plus one or two office hours a week. I 'm doing double that XXXX load. I would like to cut back my XXXX, but can not do that until I have made the 120 student loan payments under an approved loan program. 

Can you please tell me how to find out how many payments I have already made under the required loan plan so I can know when I can cut back to a more normal teaching load. 

Second, Could you also do something about requiring schools to XXXX work more hours then just those XXXX, and include those other hours on the work verification forms we have to turn into the government to verify our work loads. There are many job where the employee is 'out of the office ' but still obviously working many additional hours per week ( inspectors, real estate agents, visiting nurses, plumbers, house painters, etc. ). Can we please do something about this. It is my understanding that for the Affordable Care Act a school has to put about 2 1/2 hours work for every hour a XXXX. That 's a reasonable approximation ( if understating the work most of up put in ).
Product: Debt collection

XXXX XXXX was paid {$9700.00} by State of Georgia rental assistance covering rent from XXXX XXXX. I moved from the home managed by XXXX on XXXX 2022. I have called XXXX several times inquiring about said funds and the continue to say they never received the funds. I received verbal and written confirmation from the caseworker at GA dept of Consumer Affairs that said funds were indeed sent to XXXX XXXX. Since the XXXX has sold my account to National Credit Systems with a balance of {$8400.00} and this information is now listed as a collection on my credit report.
Product: Debt collection

i just checked into my credit and i have past medical bills due to a  XXXX  and all the bills where payed in full and now i have bills in collections and the baby was an   XXXX   so all the medical bills where addressed with final paper work 6 months after the   XXXX   there should n't be any past medical exps the attorneys had it all payed and shut
Product: Checking or savings account

XX/XX/23 Bank of America frustratingly decided to sever ties with me when I requested their assistance in verifying a check, that I had unknowingly gave them to deposit in my account.oblivious to its fraudulent nature regrettably my bank closed my account when I sought their help to authenticate a check that I had innocently had them deposit. unaware of its counterfeit status. Now all of my work checks are being held by them..plz help me with this matter at hand. 



Best regards XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my credit report from Iq data international and after disputing this alleged collection with the credit bureaus it came back verified. So i wrote the original creditor and this collection company and ask for validation and the original signed instrument for proof this account belongs to me neither have answered me back. You can't verify an account through XXXX a physical person has to certify under law that the account belong to me and that the statue of limitations isn't up on the debt which it is in my state of Alabama and that they have a license to collect in my state. Which they haven't provided proof of anything.
Product: Debt collection

Citibank is the most unprofessional Bank covid-19 crisis I miss one payment and it decrease me down to {$300.00} Citibank cancel my account and I would never go back on and I would never trade with any retailer credit cards y'all have I want the world to see this y'all stay away from Exxon Mobil credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for free credit monitoring with Experian for the purposes of identity theft protection. I put in all of my personal information to create the account and took screenshots of the email address and password that I used. I was ready to go back on and upgrade to a paying membership when less than 5 minutes later using exactly the same information that I took a screenshot of I could not log on to the site. So I tried to call their customer service number and the only help their automated service could provide was to change the password. I did not wish to do that. I wanted to know why the password that I just put in was not working. Since they did not have a prompt for that on their automated system, I wanted to speak to customer service. All I kept being told was they would not allow live person except in certain circumstances but they wouldn't tell you what those circumstances were. I tried everything I could do to get through to a live person as their automated system could not help me. I tried several different numbers asking for customer service, a live person over and over again and still could not get through. Eventually the automated service would hang up on you If you did not follow their prompts correctly, which I could not because that was not the help I needed. I called back and tried several times to get through to a person each time just to be hung up on again by the automated system. Finally after many times of being hung up on I was able to get through on one number, Still not sure how this happened as all I did was keep repeating the word complaint, by this time I was quite upset. I explained that originally I wanted help with a password I had just created and did not want to make a new one, and was interested in signing up for their paid service but because of the number of times I had to keep calling back trying to get a person I was so frustrated at this point I wanted to make a complaint and no longer wanted any part of their service. I believe she canceled the service but would not take the complaint. I told the woman what happened in a raised voice because at this point I was so upset and frustrated with their lack of customer service. I did not use any curse words.. She hung up on me which was even more frustrating. Had she actually tried to help me It would have calmed me down. I tried calling back several more times trying to get through to a person using the same repeated word as before and was unsuccessful. I do not wish to have a service for something as important as your credit and identity theft where you can not speak to a person when you need help and what you need help for is not on their automated phone service. I especially do not feel that a company is trustworthy enough to deal with credit and identity theft. If hanging up on a customer by both automated system and live person is their ideal of customer service!
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  CARD XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Report # XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. ( XXXX ) Item # 2 : I dispute XXXX XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. ( XXXX ) Item # 3 : I dispute XXXX XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. ( XXXX ) Item # 4 : I  dispute XXXX XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account ( XXXX ) Item # 5 : I dispute XXXX XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. 
I have attached all documentation and it is also numbered.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 


Respectfully, XXXX XXXX XXXX
Product: Debt collection

I contacted two different collection agencies XX/XX/XXXX and XX/XX/XXXX about the collection attempt for XXXX XXXX. Neither one has back down from Collection attempts after sending letters to the agency. XX/XX/XXXX contatcted XXXX XXXX Bankruptcy division and the rep was not knowledgeable about her job. The supervisor told her to not transfer her to me because she was getting off early.. 

The first letter was from XXXX XXXX XXXX XXXX MN dated XX/XX/XXXX. the second letter was from MRS Associates XXXX XXXX NJ Dated XX/XX/XXXX XXXX.forwarded from the very last address that we had service before we totally resolved our relationship with XXXX XXXX  XXXX XXXX  is not a reputable company very bad experince with hem and their collection agency. I am XXXX rs old. I do not work I get a very very small pension
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE FRAUD ADDRESSES LISTED BELOW XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX FRAUDULENT INQUIRIE LISTED BELOW XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Credit Unions THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Checking or savings account

Hi we have a checking account with Chase Bank. They are charging us for an internal transfer between our bank accounts after they took over First Republic Bank. This fee makes no sense because it is just their computer systems not agreeing. This is affecting my credit score and is them taking advantage of consumers who have unwittingly been forced into their systems as part of their takeover of First Republic. It is not my problem that their computer systems do not talk to one another.