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

XXXX XXXX XXXX XXXX - # XXXX Account settled. According to IRS guidelines, a XXXX reports it as income. I want the settlement status removed. Equifax is also showing it as 120 days late. 
XXXX XXXX XXXX # XXXX. Disputed the incorrect balance, Equifax updated incorrect amount as correct. 
XXXX  XXXX # XXXX. Disputed amount owed, Equifax still updated incorrect amount. 
XXXX XXXX XXXX  # XXXX. Disputed account with Equifax. Requested original documents to this account. Still reporting as correct. Requested validation of account. 
XXXX XXXX XXXX  # XXXX. Disputed account with Equifax. Requested original documents to verify account. Still reporting as correct. Requested validation of account. 
XXXX XXXX XXXX  # XXXX. Disputed account with Equifax. Requested original documents to verify account. Still reporting as correct. Requested validation of account. 
XXXX XXXX XXXXXXXX. The debt is reported as written off, which makes it taxable and needs to be removed from the credit report. Equifax is reporting it as updated info. 
XXXX XXXX XXXX XXXX # XXXX. Account settled, which makes it taxable income. Equifax reporting as updated and correct and as late payment. Want removed. 
XXXX XXXX XXXX XXXX. Disputed balance. XXXX paid off. Equifax reporting updated, {$610.00} balance.Requested original documents. Requesting validation of account. Payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax reporting balance of {$820.00}. Requested original documents. Request validation of account. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - Account Paid in full. Request that it be removed from collection. 
Requesting validation of all inquiries. Documents to verify authorization of the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I see a charged off on my credit report under this name XXXX XXXX XXXX XXXX XXXX XXXX. I've send a letter to Experian and XXXX with a detail letter. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropiate, based on the results of the reinvestigation : and
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX, XXXX/XXXX  Company 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
Product: Bank account or service

I purchased XXXX cashier 's checks at chase bank with cash. my account became overdrawn. Chase contacted the Payees and told them the check were fraudulent and would not clear as they placed a stop payment on them. Chase damaged my reputation with the vendors. They did not contact me I contacted them to ask why they told a car dealer to seize my car I just bought. The checks were bought by me for cash at Chase. I made a deposit in my account with an insurance check. the check was placed on hold, I had no reason to believe there would be an issue with a check from a major insurance company. When the funds cleared I withdrew the cash and bought the Cashier 's checks. XXXX XXXX in collections told me she told the dealer to seize my car because the check I deposited in my account was not collected. She also told me the money I withdrew was no good even though it was available. She said she was trying to mitigate any losses to Chase. If this was a collection effort it was collectable with me, not a payee. Any dispute was between CHASE and I not Chase and the payee. They had no right to contact to payee to collect anything. This matter should have been addressed to me. XXXX XXXX at Chase lied to XXXX XXXX and told them I made the check instead of purchasing it. I have attached a copy of the withdrawal slip, proving I withdrew the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had this issue since XXXX earlier this year with EXPERIAN. This is ridiculous. I have a monitoring services that suppose to pull all three credit bureau reports. It can't even pull from EXPERIAN at all. Called Experian about issue and always leads to a dead end. No one can't help me. Tried to talk to the supervisor no help, she stated that the escalation team is notified since XXXX and they're still working it??! Today is XX/XX/XXXX. I can't even pull my EXPERIAN report from EXPERIAN.com. They stated I had to wait for it to come in the mail. I have rights to view and get my reports online like any other consumers. 

Called EXPERIAN several times over the few months. They've sent me to IT tech, they couldn't fix the issue, membership department had no clue what I was talking about. Even deactivating my account and try to get a new one, still didn't work. I'm frustrated and UPSET that this XXXX company can't let me view my current reports ONLINE. EVEN my credit monitoring services can't even pull from Experian. THEY'RE WITH HOLDING MY REPORTS and that's ILLEGAL. They need to let me view my reports ONLINE and if I order it from other CREDIT MONITORING services, they need to release it.
Product: Credit reporting

I have disputed inaccurate information with XXXX since XXXX when I filed a counter lawsuit against them. The case was settled in XXXX. However, XXXX continues to intentionally report inaccurate information. The attorney representing XXXX is XXXX, ( letter attached ) and I have sent them XXXX dispute letters as well. The first dispute letter sent to XXXX once they took over the account from the previous debt collection attorney whom I litigated the case with was emailed and e-faxed on XXXX XXXX, XXXX. 
However, I have disputed this account to XXXX and all three credit reporting agencies since XXXX. XXXX sent me a partial response showing the information on my credit report is inaccurate date of last delinquency is inaccurat and according to the statements they sent me, there were no payments made in XXXX, XXXX or anytime after, yet they continue to report a payment in XXXX. 
The information is not the same as what XXXX verbally told me over the phone, which was they did not have a recorded payment received in XXXX. Per the FCRA the collector is required to report accurate information. I have now been denied a loan due to the inaccurate reporting by XXXX. 

AdditionallyXXXX XXXX has been reporting inaccurate information which I also disputed several times. XXXX did not follow CA law in order to collect a deficiency balance ; XXXX did not send me a notice about the location of the auction, did not allow me the opportunity to reinstate my loan as required before the creditor can collect a deficiency balance. XXXX only removes from XXXX credt report at a time only upon my dispute, they should report accurately to all credit reporting agencies, no just remove one at a time only when specifically disputed if they are removing from one credit report they should report accurately on all credit reports.
Product: Credit reporting or other personal consumer reports

I have two accounts, one with the account number ending in XXXX associated with XXXX XXXX XXXX XXXX, and the other with the account number ending in XXXX linked to Capital One Financial Corporation. Both of these accounts had 1099-C forms filed and accepted by the IRS on XX/XX/2023, and XX/XX/2023, respectively. I recently contacted XXXX to inform them about the IRS-accepted 1099-C forms and the resulting classification of these accounts as taxable income by the IRS. 

I believe it is worth noting that it may be considered irregular for a credit reporting agency to report income. During my conversation with an XXXX representative, I was informed that they can not remove these accounts without validating the accuracy of the 1099-C information with the data furnishers. 

Please advise on how best to proceed in resolving this matter.
Product: Bank account or service

WELLS FARGO committed so many acts of treason and regulation violations stacked on top of each other XXXX after another after another it was like a machine XXXX was aimed at my head and it was consumer assault all the way. The fees of their mistakes and misgivings have cost me countless amounts of terror nights, waking up next morning to see that they took out a XXXX dollars and I realized once I was idenitity theft years prior and they knew it they were having fun taking advantage of my issues and kept piling on to my hurt. Scary, obscene and often consumer XXXX like.
Product: Checking or savings account

On XX/XX/XXXX I went to a PNC bank to open an account because I didnt have a checking account. All I had was a credit card account with a different bank. I keep all my money on me as cash or in my friends accounts in case they need to help me pay for something online. So after I got my account open, I asked my friends to send me back my money and they did. I woke up one morning to see that PNC locked my account. The money in my account is supposed to pay my college tuition, my car note, my insurance payment and so much more bills all which are due. Over the course of my account being restricted, Ive had to start borrowing money from people just to feed myself and theyre already asking me to pay back. I contacted PNC bank to have them open back up my account and give me back my money but the customer service agents keep trying to transfer me to the fraud department. Whenever they do that, the fraud department never responds, I spend hours on the class and nobody ever responds.
Product: Student loan

Navient : We Repeatedly asked Navient for lower interest rates, a forbearance and/or hardship relief. No options were " available '' under 7. % interest. We have paid Years of high interest rate which means we've already paid XXXX the loan amount back in interest alone. XXXX XXXX  loan originally, we now have paid XXXX XXXX  in interest alone! There remains a XXXX XXXXXXXX balance in principle after all these payments for years. Now they've sold the loan to another lender since being banned to be a provider of student loans. 
Years and years of interest paid already. 
I had a serious accident and my son suffered unemployment, serious medical XXXX and while receiving treatments this company wouldn't lower interest or allow forbearance or temporary relief. They claimed they had no hardship relief programs.
Product: Checking or savings account

State Employee Credit Union mistakenly issued XXXX debit cards in my wife 's name on our joint checking account. She lost one of these cards but did not realize it because she still had another working debit card. Fraudulent charges were made on her card. We filed a dispute. SECU did not notify us of their response within 13 days required by the Electronic funds transfer act. SECU did not provide us with provisional credit required by the EFTA during their investigation. SECU took 60 days to investigate. SECU did not provide the documents it relied on to investigate the claim as I requested pursuant to the EFTA. SECU refuse d to return phone calls, refused to provide account information about what happened during their " investigation ''. SECU state son its website, and on the mailer when we receive new debit cards that it will notify us of any suspicious or irregular activity. Despite obvious fraudulent activity, SECU never notified us of any suspicious charges.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that recently received a copy of my credit report that your company publishes and after receiving it i found a number of items on the report that are inaccurate. Under the FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted. If you do not have documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). Please don't respond to my request by saying that these accounts have been verified. 
XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

please see attachments that reveal the technical problems in transunion 's computer systems.they can not deliver the free annual report.they can not put a report online since XX/XX/2019. 
I'M TRYING TO DO A DISPUTE ON AN ACCOUNT THAT QUALIFIES AS TOO OLD TO REPORT ... YET I LIVE WITH THE CREDIT DAMAGE AS A RESULT OF TRANSUNION 'S INABILITY TO DELIVER A REPORT.I HAVE A NORMAL SIZE ACTIVE REPORT WITH ABOUT 10 ACCOUNTS.THERE IS NOTHING UNUSUAL ABOUT IDENTITY OR THE NUMBER OF QUESTIONS TO GENERATE IDENTITY CONFIRMATION. 
IF TRANSUNION IS GOING TO BE A CREDIT BUREAU THEY SHOULD FUNCTION AS ONE ... THEY HAVE HAD TECHNICAL PROBLEMS FOR 18 DAYS AND I SUFFER FINANCIALLY FOR IT, AS THE NEGATIVE ITEM WILL MOST ASSUREDLY BE DELETED BY TRANSUNION 'S IN -HOUSE POLICY AND THE PASSAGE OF TIME.. 
THE ACCOUNT I WOULD LIKE TO HAVE REMOVED FOR " TOO OLD TO REPORT '' IS XXXX XXXX, ACCOUNT XXXX ... THE DATE OF FIRST DELINQUENCY IS SLIGHTLY BEFORE WHAT IS RECORDED ON THE REPORT AND THE ACCOUNT FITS THE POLICY OF TRANSUNION FOR REMOVAL NOW!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Hello, Experian XXXX XXXX XXXX XXXX, XXXX XXXX My name is XXXX XXXX XXXX, my date of birth is XX/XX/XXXX. I reside at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 

I am writing to dispute the following information that appears on my Experian consumer report : I never reside at the following address below and would like to have this immediately removed from my credit report : XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX I also noticed that the following inquiries below were made without my direct knowledge and consent, and I dont recognize the companies listed below in question. I request that those entries to be removed from my credit report profile immediate. This is a direct violation of 15 USC 1681, from the companies listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : REMOVE ALL INFORMATION LISTED ABOVE BECAUSE IT IS A DIRECT VIOLATION ON THE ITEMS LISTED UNDERNEATH : 15 USC 1681 Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports. 


Thank you, XXXX XXXX XXXX
Product: Checking or savings account

On or about XX/XX/23 we sent a check to XXXX XXXX for payment of cars for {$74000.00}. That check was fraudulently cashed by a company and I do not have that $ $ back in my account. I sent a replacement check to XXXX XXXX on or about XX/XX/23 and that check was also fraudulently changed to a different payee and cashed by a XXXX XXXX. We realized this check was fraud and contacted our bank representative XXXX and customer service immediately. We were told they would issue a stop payment on this check and assured us this check would not be cashed and there was nothing additional we needed to do on our side. The next day this check cleared our account as Bank of America issued a stop payment on the wrong check. We were told by Bank of America that now we need to file a fraud claim on this check and it wound take up to 90 business days to get our $ back in our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Department Ed XXXX Accounts ( 4 in total ) Late payment in all accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas violated my rights. 15 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 a account without my written instruction
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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: Money transfer, virtual currency, or money service

On the XXXX a of XX/XX/2021 I made a ACH deposit to XXXX app. The payment cleared though my bank and somehow the transaction became a pending purchase for XXXX $ worth of XXXX. I don't remember trying to purchase XXXX, however that's not the problem. It ok if that's not reversable, but whats not ok is never giving me anything and having it XXXX on pending still as of today the XXXX of XXXX. I submitted a ticket way over a week ago and they auto solved many of the ticket forcing me to create new ticket. I also reached out to them though the email and have now filed a complaint though the XXXX, sec. They finally responded with a automated response ... Not even reading my ticket saying it was fixed then closed the ticket again as of XXXX of XXXX. I check to see if the XXXX pending purchased that cleared my bank succeed and it's still pending as of XXXX of XXXX. Forcing me to yet again resubmit a ticket. I would charge back but im am stuck in a trade position. If I do my account will then be locked. They have done worst to others. Look them up on XXXX and XXXX XXXX of people are having issues with them and every week they are adding on hundreds of ticket.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXXBalance {$0.00}
Product: Credit reporting or other personal consumer reports

I paid {$410.00} XX/XX/year> and I was never late on my payment. This company continues to update false information to the credit bureau that is hurting my credit and life. The company claims the information is up to date as of XX/XX/year> and I am late but I have made every payment on time
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAD PREVIOUSLY SUBMITTED A CFPB COMPLAINT AGAINST XXXX XXXX  WHICH IS ONLY REPORTING TO EQUIFAX BUT THERE WAS NO RESOLUTION. IT SEEMS THAT MY COMPLAINT WAS UNABLE TO GET TO XXXX XXXX. SINCE EQUIFAX IS THE REPORTING AGENCY, I AM NOW FILING A COMPLAINT AGAINST EQUIFAX FOR REPORTING INACCURATE INFORMATION. I SETTLED IN FULL THE BALANCE OWED ON FRONTIER COMMUNICATION YET THEY ARE STILL REPORTING A BALANCE. THIS IS A VIOLATION TO OUR SETTLEMENT AGREEMENT. XXXX XXXX NEEDS TO BE DELETED IMMEDIATELY. I HAVE ATTACHED PROOF OF MY PAYMENT TO FRONTIER COMMUNICATION AS WELL. EQUIFAX IS REPORTING FALSE AND INACCURATE INFORMATION WHICH IS HURTING MY CREDIT. DELETE ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I notified all three bureaus of inaccurate data reporting for the payment history on my credit file For XXXX XXXX XXXX Account # XXXX. XXXX   saw they were reporting inconsistently and removed the error. XXXX and Equifax failed to do an actual investigation into the matter since they are still reporting data which isn't consistent which makes it inaccurate because they get the data from the furnisher. XXXX   is reporting a 30 day late in XX/XX/2020 and Equifax is reporting a 30 day late in XXXX they both can't be accurate. While I am writing I should include the other inconsistencies as well The last payment reported for XXXX is XX/XX/2020 with Equifax saying XX/XX/2020.
Product: Debt collection

Aargon Agency Inc called my cell phone with an automated/robo-caller on XX/XX/2020 at XXXX and again on XX/XX/2020 at XXXX. Aargon Agency Inc does not have permission to contact this cell number via automated/robo-caller or human caller. This is a violation of TCPA and FDCPA for the following ; Calling a cell phone with an auto-dialer, calling before XXXX, and calling without consent. I have the robo calls and data saved for upcoming litigation.
Product: Debt collection

American Express is calling me several times a day and has been doing so for more than a month. They have called my boyfriend 's phone, my parent 's home phone, and my work phone, despite the fact that I never provided my work or parent 's phone numbers to American Express. 

I have made it very clear to the collection agent, who is named XXXX, that I can not take personal calls during my business hours, which are from XXXX until XXXX Monday - Friday CST. I have also made it clear that I am unable to pay the sum he is demanding and I have requested a hardship payment arrangement, which I know is available through American Express. 

XXXX has repeatedly ignored my requests to cease calls and he said that he will continue to call because his shift ends at XXXX his time and he is not available to " harass '' me at any other times. He continues to ask me personal questions and frequently launches into long stories about how understanding and willing to help he is, but he never gets to the point of actually helping me start the hardship program process. 

I suspect that these debt collectors in the American Express " Advanced Collections Department '' are paid a bonus based on how much money money they can get out of me, and XXXX seems determined to maximize his bonus at my - the consumer 's - expense.