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

My husband and I were going to buy a r.v. to live in. Credit karma said our account or credit score was XXXX. We are from New York. We went to Virginia by my daughter looked around picked out a R.V. they ran a hard copy of our credit and found out it was much lower. It was XXXX XXXX in XXXX V.A. we were embarrassed! They doubled our payment. We are XXXX, we did not get one. They did say that Credit Karma is a scam and many people have gone through the same thing. I feel defrauded. Thank you for your time.
Product: Mortgage

In XXXX of XXXX I received notices that my taxes where not paid. In contacting with nee rez was told to file on line. My township tax was due in XX/XX/XXXX and was taken from escrow account but tax collector never received. My school tax was taken out of escrow in XXXX and never paid as well. My township tax didnt appear on my escrow account at all. 

After multiple letters telling me they needed more time to investigate the school tax got paid in XXXX but I was also charged most of the late fees in my escrow account. After contacting them again and more letters asking for more time to investigate in XXXX I filed a complaint with the pa dept of banking. Still getting letters they need more time their came to their first deadline with them of XX/XX/XXXX and asked for more time with them. They extended till XX/XX/XXXX and still taxes not paid and now turned over to XXXX XXXX XXXX. 

Contacted the pa dept of banking on XX/XX/XXXX who states she got a phone call from a mr.XXXX  at new rez that states my taxes will be paid. But until she receives in writing she cant follow up any further. 

How is money removed from escrow and bills not paid. Feeling like I'm in a potsy scam that they steal taking from one and moving money around and not paying the bills they are reporting. 

My taxes for XXXX are coming due in XXXX again. Is this going to continue? How is my taxes turned over to the collection bureau going to impact my credit score? When will XXXX taxes get paid and will they return the late fees they back charged me? I want them held accountable for what I feel is illegal handling of my funds. I entrusted them with my payments to make my tax payments.
Product: Credit reporting or other personal consumer reports

-- -- -- -- -- -- -- -- -- -- -- -- - **TransUnion** Please remove these illegal items off my credit report. I have contacted these agencies since the beginning of this year. I have been disputing since the beginning of this year in XXXX. I will not stop. These items are illegal please REMOVE this off my CREDIT REPORT!! 

The account below oXXXX XXXX was removed from my XXXX and XXXX report. It's a fraudulent account. Please remove this account off my XXXX report. I directly contacted XXXX and removal is in process. Please remove this off my report. 

XXXX XXXX {$150.00} **UPDATED XX/XX/XXXX, XXXX XXXX This collection account I offered numerous times to pay XXXX $ so this ILLEGAL account is removed off my credit report as it is hurting my credit score across all 3 bureaus. XXXX $ acoount that i never opened. I need to find some type of resolution. Please remove this off my report. 

XXXX XXXX BALANCE {$13.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$57.00} **UPDATED** XX/XX/XXXX These two XXXX XXXX are illegal and unauthorized. I have my credit flie frozen so no one can attempt to gain credit in my name. My information has already been on dark web through monitoring services that I use now. I offered to pay XXXX the XXXX $ which is SEVERELY when I say SEVERELY HURTING MY SCORE! it keeps updating and reflecting on my score and dropping and fluctuating! PLEASE REMOVE THIS LAST TWO ILLEGAL CHARGE OFFS MY XXXX REPORT! 

Every last one of these inquiries are illegal nor did i attempt to apply through any of these creditors. Please remove these illegal inquiries off my XXXX report. For some reason I had ( 2 ) inquires on my report. As of XXXX for some reason 6 hard inquiries popped up dated long time ago which I never did! 

Please Remove these illegal inquiries off my credit report please!! I like to have my credit report clean! 

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: Vehicle loan or lease

XXXX XXXX MUST RE-INSERT THE ACCOUNT BACK INTO XXXX CREDIT FILES ONLY. THIS ACCOUNT WAS DELETED IN ERROR.
Product: Checking or savings account

Chase Bank did not fund my car and insurance payments without my knowledge. It caused the lender to report us to the credit bureau for late payment. This resulted to a drop on our Credit Score by more than 50 points. Chase claimed to have mailed a letter stating that I had until XX/XX/XXXX to provide information or they would freeze my account. 

1. They sent the mail to a wrong address.

2. The claimed letter stated that I would have until XX/XX/XXXX to go to a Chase Bank office. 
3. I was on the call several times and at Chase Bank office on several occasions to complain about my account prior to XX/XX/XXXX and was never told that they will not fund my checks even if I had more than enough deposit. 
4. The payments that were funded were on the dates before the deadline of XX/XX/XXXX. 
5. On chase explanation letter dated XX/XX/XXXX, it stated that they need some information that was already given several times starting from the opening of the account. If Chase lost the records, they should not penalize the depositor from their carelessness. 

I demand that Chase Bank send a letter to XXXX XXXX stating that it was their fault on failure to fund my checks as requested by XXXX XXXX in order to correct the Credit Bureau reporting.
Product: Checking or savings account

In a letter dated XX/XX/2022 Chase informed me that they had restricted my checking account due to the possibility of a fraudulent check having been deposited ( case # XXXX ). I spoke to the branch XXXX and she just kept saying her hands were tied. She suggested I call customer service. Customer service just kept repeating that it was under review. The problem was that an elderly lady had forgotten that she had written me this check and had turned it in as fraudulent to her bank. She then remembered she wrote the check and notified her bank who said that they would take care of it. Somehow it was still reported to Chase and my entire checking account has been unavailable to me since that time. The check was written from XXXX Bank who says they have notified Chase that this was a mistake but no action has been taken. I have a letter from XXXX that certifies that the fraud case that was opened has been closed and deemed not fraudulent. I sent a copy of this letter to ChasXXXX on the XXXX of XXXX. I still have not gotten any response nor have my funds been unrestricted. Hopefully, the XXXX XXXX can get them moving on this issue. Thank you for your help.
Product: Debt collection

I was illegally evicted from the rare apartments, they informed me they lost my paperwork to renew my lease & told me to leave, i left within 3 days within those 3 days they turned my power water and heat off, I have an XXXXyr old. 
My original rent was XXXX $ The property is under new management & they were charging me XXXX $ in rent, I said i wasnt going to pay XXXX So they told me to move out then. 
I was forced to move out of my home i was there for 3 years And now they are charging me XXXX $ for rent when i didnt even live there? 
They said they lost my paperwork? 
So i dont understand why im being charged if i was forced to leave the property. 
Ive called XXXX XXXX XXXX for over 30 days, no one has reached out or called me back because they dont know who i am? So why am i being charged XXXX $??
Product: Debt collection

Company writes false information on all three credit reports after becoming military XXXXXXXX. XXXX XXXX military XXXXXXXX in 2015 after suffering an XXXX XXXXXXXX and becoming XXXX. Company writes that payments have been made by me in order to keep the report active. No contact with the company since the recovery of the XXXX. The payments that the company is reporting. Fraud is being committed and the company sold me a XXXX packet for debt protection and attempted to block my use of it. Company ignores the 7 year rule.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 i vied my credit reports, and seen that ALL THREE credit bureaus were reporting false and misleading information on my credit reports, therefore i contacted the bankruptcy court in XXXX Ga, and talked to a court rep, who stated on a recorded line that the courts DO NOT REPORT TO CONSUMER REPORTING agencies, which is a FCRA VIOLATION, but she stated that the information is public and that's how the consumer reporting agencies get the information, which is a violation of my privacy pursuant FCRA laws. for only I the consumer can give permissible permission to report ANYTHING on my credit reports and only i the consumer can VALIDATE any information reporting on my credit reports, so knowing that the information was fraudulently used from PACER database by a third-party consumer reporting agency which is breaking federal laws and violating my privacy as a consumer, this information needs to be deleted from my credit reports immediately! I mailed all three credit bureaus letters on XXXX and have not heard anything from them or the investigation into this matter which is another violation of my FDCPA and FCRA rights as a consumer, i am filing this complaint today, on XXXX, XXXX, EQUIFAX for reporting false and misleading information and they are committing fraud by doing so!
Product: Debt collection

I was preapproved for my XXXX. I had to pay my portion of approved charges pre-op..before they would schedule. I paid my full portion. Then months later started billing me charges I was not required to pay per insurance company. While this was getting $ XXXXstraightened out I paid {$10.00} a month so it wouldnt like I was avoiding responsibility. I expected to get this money back. Nope..kept paying {$10.00} Now Ive been sent to collections..
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in XXXX I applied for a credit line increase for my XXXX   XXXX XXXX for the second time and was denied on XX/XX/XXXX due to Equifax missing my credit information. I called Equifax multiple times within the next week to figure out how to solve this issue. On Monday, XX/XX/XXXX, I mailed a copy of my drivers license and social security card to the Equifax Dispute Center because thats what a representative told me to do. On XX/XX/XXXX, I received a letter from Equifax saying they were unable to locate a credit file for one of the following reasons including not having a current file, not having applied credit recently, or not actively using credit in the past ten years. Today, on XX/XX/XXXX when I received the letter, I called Equifax back trying to figure out what went wrong and I was told to resend my same documents. On my XXXX report I see XXXX  and XXXX  but not Equifax. They are not helping me to help them, just telling me to resend things I have already sent, this situation is affecting my background checks and credit line increases in a negative way.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, Thank you for your response but you have yet to address a credit inquiry I DID NOT authorize on XX/XX/2022. However in accordance with the law. 15 USC 168b : Permissible purpose of consumer reports include : employment, insurance, CREDIT, gov charge cards, child support, ext. Company MUST prove they had my permission! You have failed to provide me with any documemtation verifing you had my promising to access my credit report. ( For example ) credit application with my signature or ANY consent form granting you permission with my signature. The Fair Credit Report Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of the application electronic or physical authorizing the disclosure of credit files with my signature, I will accept the inquiry. So there is no misunderstanding I am asking you to provide me with the same proof you used to verify this inquiry as accurate. PLEASE RESPONSE ON THIS PLATE FORM, IF YOU CHOOSE TO SEND A LETTER AS WELL THAT IS OKAY WITH BUT RESPOND BACK TO COMPLAINT ON THIS PLATE FORM. THANK YOU
Product: Money transfer, virtual currency, or money service

Hi in the day XXXX XX/XX/year> I make XXXX  transfer for my self from my credit card to moneyGram I received XXXX transfer but the XXXX  one I can't take they show me in the system ( transaction on hold ; have receiver contact moneyGram to provide additional information before funds can be deposited to the receiver account! )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXExperianXXXX As of XX/XX/2022 XXXX you are in possession of a consumer report with my identifiable personal information, name, address, social security number, and place of work. 
The consumer report you have built with my identifiable information, contains personal financial information in connection with transactions or experiences between me the consumer and the person making the report. This consumer report you have created also explains numerous authorizations or approval of specific extensions of credit that came about by a credit card or similar device. 
All transactions on my consumer report are extensions of approved credit, that are reported on monthly by the person ( s ) who approved me for those transactions of credit. 
The credit device or similar device used in the origination of these accounts would be my social security card, which is obviously a credit card by definition. 
The term credit card means any card, plate or coupon book, or other credit device existing for the purpose of obtaining money, property, labor or services on credit. 
Pursuant 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) the term consumer report does not include : a report containing information solely as to transactions or experiences between the consumer and person making the report. 
Also, Pursuant 15 U.S. Code 1681a ( d ) ( 2 ) ( B ) the term consumer report does not include : ANY authorization or approval of a specific extension of credit directly or indirectly by the issue of a credit card or similar device. 
All the accounts on my consumer report are approvals of credit, and they without question experiences between the consumer and the person making the report. 
XXXX you are in violation of or both. 
Please remove following approved extension of credit from my consumer report, they originated from a credit card or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was visited at my house by XXXX, which is a home security system. The salesmen showed my the system and told me about the monthly monitoring service. He also showed my the equipment, HOWEVER, he never told me or even suggested that he was going to open up a credit card in my name, and I would've never authorized him to do so. I want the hard inquiry from Fortiva and the subsequent account removed from my credit, as I have NO KNOWLEDGE of this account, was never authorized by me, and I was thoroughly deceived by the salesman. Im trying to refinance my house, therefore, I would have even further said no about opening up this new card/ for a security system. It just doesnt make any sense. XXXX  practices is very deceiving and I feel that they took advantage of me because Im a XXXX  citizen. 

The inquiry is Fortive ; XX/XX/year> The credit card is too Fortive and has been subsequently maxed out by XXXX themselves again with no knowledge or approval from me.
Product: Credit reporting or other personal consumer reports

Complaint Type : Credit Reporting Subject : Violation of IRS Regulations & FCRA Improper Charge-Off Reporting & Inaccurate Credit Reporting Details of the Complaint : I am filing this complaint against the following creditors for violating IRS regulations , the Fair Credit Reporting Act ( FCRA ), and consumer protection laws by improperly reporting charged-off accounts and alleged late payments on my credit report.

1. Improper Charge-Off Reporting According to IRS regulations ( IRS Form 1099-C, Cancellation of Debt ), when a creditor charges off an account and reports the cancellation of debt to the IRS, the amount is considered income for tax purposes. Once a debt is charged off and reported as a canceled debt, it can no longer be reported to the credit bureaus as an outstanding balance or active derogatory account.

Despite this legal requirement, the following creditors continue to report charged-off accounts on my credit report, which is an illegal practice and constitutes double jeopardy in financial reporting : XXXX XXXX  XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX 
XXXX XXXX. 
XXXX. Improper Alleged Late Payment Reporting Additionally, under FCRA 15 U.S.C. 1681a ( d ) ( 1 ), creditors are prohibited from reporting " transactions and experiences '' directly with the consumer to credit bureaus. These accounts should not be reported as alleged late payments in violation of consumer protection laws. Despite this, the following creditors have improperly reported alleged late payments on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Laws Violated : IRS Regulations ( IRS XXXX XXXX & XXXX XXXX ) Once a debt is canceled and reported as income to the IRS, XXXX can not be simultaneously reported as a collectible debt on credit reports. 
Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX ( d ) ( XXXX ) Creditors can not report " transactions and experiences '' related to internal bookkeeping or charge-offs as active derogatory accounts. 
Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX ( a ) ( XXXX ) Prohibits the reporting of inaccurate or misleading information to credit bureaus. 
XXXX XXXX : XXXX removal of the improperly reported charge-off accounts. 
XXXX deletion of the alleged late payments. 
A formal investigation into the ongoing violations and unfair reporting practices. 
Compliance assurance from the creditors that they will follow IRS and FCRA laws regarding charge-offs and canceled debts. 
I request the Consumer Financial Protection Bureau ( CFPB ) to take immediate action to enforce federal regulations and protect my rights. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX Cell : ( XXXX ) XXXX
Product: Mortgage

My mother obtained a credit line mortgage with PNC bank, I 'm not sure about the details because I 've requested the terms of the loan several times, but it 's not legible. I 've made payments based on advice from the estate attorney, until a couple of years ago because I can no longer afford to make the payments. I 'm was the executor of the estate and filed all the paperwork to PNC and five years after my mother 's death they are harassing me about the payments on a house they 've now placed in foreclosure. 

I 've made an offer on the house a couple of times and have n't heard back from PNC on, my offer, but are receiving constant calls about the back payments. 

My mother 's house had been paid off for several years, and even though I can not prove this I believe she was misinformed and obtained this credit line under distress because she was very ill at the time. In addition, I find it very hard to believe there was no insurance on this loan when she had insurance to cover every credit card that had a balance.
Product: Credit reporting

I HAVE REPORTED TO THE CREDIT REPORTING AGENCY 'S THAT I WANT TO HAVE MY BANKRUPTCY 'S REMOVED DUE TO THE FCRA SECTION 1681 A SECTION 5 YOU MUST DELETE MY BANKRUPTCY 'S FROM MY REPORT DUE TO THE FACT THAT IT IS A CASE THAT NEVER TOOK PLACE AND THAT WAS ALREADY ADJUDICATED IT IS DEEMED NONEXISTENT ALL CASES IN WHICH ARE ON MY REPORTS THESE CASES THAT WHERE NEVER FILED AND OR ADJUDICATED SO I WANT THEM REMOVED BY THE COMPANY
Product: Credit reporting or other personal consumer reports

New Jersey XXXX XXXX XXXX XXXX Agencies must be bonded in the state. When a collection agency named JJ Marshall and assciates called me from Michigan, I asked for their NJ collection agency license number and was hung up on. Three days later I found the collection on my credit report and notified XXXX that JJ Marshals Associates was illegally attempting to collect a debt as they are not licesed or bonded in my state. XXXX was did not care or respond and left the unlawful item on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit its showing I missed a payment in XX/XX/2020. I have never missed a payment ever or been late. But I did a forbearance for 3 months. That would be XXXX, XXXX and XXXX. I was dealing with a miss XXXX At the time. I called multiple times and Ameris bank said everything looks good on their side. I tried to talk to a credit to dispute but I cant.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Debt collection

collector is attempting to collect a debt that is past the original legal statute of limitation for debt collection. collector has reaged and dated the debt on my credit report to look like its a new debt and changed the account number to their own number to again make it look new.