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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
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. 
Account nameXXXXXXXX XXXX XXXX  XXXX, Account name : XXXX # XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

WAKEFIELD & ASSOCIATES , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Request for Removal of Collection Account due to not being licensed to collect in the state of Georgia Dear Sir/Madam , NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

I am writing to request the removal of a collection account [ XXXX ] that has reported to the credit bureaus regarding a debt that was discharged in my recent bankruptcy filing. The bankruptcy case number is [ XXXX ] and was finalized on [ XX/XX/XXXX ]. 

As per the United States Bankruptcy Code, any debts that are discharged in a bankruptcy case are legally forgiven and the debtor is relieved from any further obligation to repay them. Therefore, the collection account that [ WAKEFIELD & ASSOCIATES ] has placed on my credit report should no longer be reported as it is in violation of the Fair Credit Reporting Act. 

I kindly request that you promptly remove the collection account from my credit report to ensure the accuracy of my credit information and to comply with the law. Failure to do so may result in legal action being taken against [ WAKEFIELD & ASSOCIATES ] for violating my rights as a consumer.

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the collection account in writing. 

Thank you for your anticipated cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance {$1300.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance {$860.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Balance {$0.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

On XX/XX/year> I was approved for a US Bank XXXX XXXX XXXX card with a credit limit of {$23000.00} and an introductory bonus offer of XXXX miles. On XX/XX/year> I made charges totaling {$15000.00} and a restriction was placed on my account on XX/XX/year>. The restriction was lifted on XX/XX/year> without my involvement and I made additional charges totaling {$7400.00}. Two days before my statement was set to close and the bonus offer awarded US Bank terminated my account without warning. My purchases never exceeded the credit limit offered by US Bank.

Bare in mind no communication was given at all about the status of my account. I called US Bank daily to obtain information often with hold times longer than 30 minutes. One would assume that when a restriction is placed and then removed the account is in good standing. However that is not that case and US bank stole XXXX miles from me along with pocketing interchange fees for {$22000.00}. 

I even attempted to make immediate payments to increase the available credit and paid wire fees to US Bank and also my sending institution. I requested account reinstatement from the collections team and was denied by a supervisor. This whole situation has been very one sided and the consumer had no protections whatsoever. 

Later I received a letter that the account was closed for fraud, yet no attempt was made by US Bank to reconcile the charges or verify if they were legitimate. According to the terms and conditions for this card I am now ineligible for this card bonus for 5 years yet I never received one.

Please find attached documents which show the wire transfer fee I was charged to make payments in good faith. The credit card statement which shows the miles I earned and my membership account that shows no miles were deposited.
Product: Credit card

I opened PNC Credit cards in XXXX. They do have 0 rate for 15 months promotion when I opened my credit card. So I used their balance transfer and daily purchases for that card. And I paid minimum payment on time before due date. At XXXX, I got interest rate charge XXXX dollars. So I called them about this issue. Their supervisor is very rude and told me. Oh you only have 0 interest rate for your balance transfer only, not for daily purchases. And keep saying you should pay the whole daily purchases amount along with minimum payment fee together. So you will not be charged next month. Ok I did it paid whole daily purchases amount with minimum payment together. But at XXXX, I still got be charged XXXX. Today I called them again, their supervisor changed the story said, our interest base on you daily balance not before due date, so if I use new purchases in the future, I have to pay that right it way. So what? I used credit cards over 20 years. It is first time I heard, I have to pay for the balance at same time when I use for new purchase. Thats so ridiculous. If credit cards like theirs, who will use credit card? I have to pay right away, if you forget to pay like what they said. Their interest rate money start counting. I have their checking accounts many years. Now I have reconsider where should put my deposit goes to now.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute the accuracy of 3 charge-off entries on my credit report, as required under 15 USC 1681 ( e ) ( B ) of the Fair Credit Reporting Act ( FCRA ). The following accounts are listed as charged off : 1. XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, in the amount of {$2200.00} 2. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, in the amount of {$2200.00} 3. XXXX XXXX XXXX Reported on XX/XX/XXXX, in the amount of {$3000.00} The respective lenders have written off these accounts. The lenders have determined that they will not pursue collection of these debts and have classified them as canceled or forgiven. My tax records will reflect this status through a 1099-C form, indicating that these debts have been officially forgiven and are considered resolved.

These accounts were charged off, but should not be reported as derogatory items. The lenders have acknowledged that they will not collect the debt and have classified it as canceled or forgiven. This means that the debts will be reported to the IRS as discharged, and I have received three 1099-C forms for tax purposes as proof. Consequently, the debt is considered canceled or forgiven and has been reported as income on my taxes.

Since canceled or forgiven debt is reported as income and not as a derogatory mark on a credit report, having these accounts listed as charge-offs is incorrect. These listings inaccurately affect my credit profile and should be updated to reflect that the debts have been resolved or forgiven.

Including this information on my credit report as derogatory violates the FCRA, which mandates that credit reports must not include income or tax-related data. Therefore, reporting these forgiven debts as charge-offs not only misrepresents their status, but also constitutes an inaccurate and unlawful entry on my credit report.

According to the FCRA, credit reports must accurately reflect a consumers credit history and should not include income or tax-related information. Since these debts are no longer collectible and has been reported as canceled on my tax records, they should not be listed as charge-offs or derogatory items on my credit report. Reporting them in this manner violates the FCRA and inaccurately affects my credit profile. As such, since these debts are canceled or forgiven and has been reported to the IRS as discharged, they should not appear as derogatory items on my credit report. Reporting these debts as charged off is incorrect and misleading. I request that these entries be corrected or removed from my credit report to reflect their status as written off and forgiven accurately. Enclosed are copies of the relevant documentation, including the 1099-C forms or other proof of debt discharge.
Product: Debt collection

I rented my basement to a gentleman and without my permission or knowledge he intercepted my mail, got my personal information and fraudulently used my name to open an account. I called them and they refused to listen to me, instead demanded a form of payment. I am a sing le mother   XXXX   XXXX   due to current health issues. I have no income, I even said if I could get this resolved with a manager, they refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs to be removed from my credit report ASAP. I want this removed from my credit report, and the charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family. Please report this company as unable to attend to customer needs and refusing to provide escalation when needed. Someone open this fraudulently and I called them and they refused to listen to me, instead demanded a form of payment. I am a single mother   XXXX   XXXX   due to current health issues. I have no income, I even said if I could get this resolved with a manager, they refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs t o be removed from my credit report ASAP. I want this removed from my credit report, and the charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family.
Product: Debt collection

A bill dated XX/XX/XXXX in the amount of {$740.00} from XXXX XXXX XXXX was paid in full with my HSA card on XX/XX/XXXX via XXXX. In XX/XX/XXXX I recieved a collection notice from H & R Accounts Inc., XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, IL XXXX for two line items from the original bill. One in the amount of {$660.00} and one in the amount of {$31.00}. My wife called XXXX XXXX XXXX to ask about the collection notice and explained to them that the bill was paid in full via XXXX and was then told they don't use XXXX, she would have to call XXXX. My wife called XXXX who told her the bill was paid and was settled. My wife then called H & R to dispute the debt and gave them information related to the payment and asked if they would like the proof of payment/reciept sent to them and they declined but agreed that the debt was paid. 

We then recieved a call from XXXX XXXX XXXX and had a similar conversation and were told the account should not have been sent to collections and that it would be taken care of on their end. My wife again offered to send the proof of payment and was once again told that it was not necessary. 

Yesterday we recieved another letter from H & R accounts dated XX/XX/XXXX stating that the enclosed document would " validate the debt ''. However, it only shows proof that the charges were transferred from XXXX XXXX XXXX to H & R and in no way validates the debt. If anyone had botherd to look at my proof of payment they would not be able to validate the debt. 

My wife has spent countless hours trying to get this issue resolved. She has called the hospital, XXXX XXXX XXXX, the insurance company, XXXX, the merchant phone number provided by XXXX, the collection agency, and the financial counseling office of the hospital. No one has been able to help. The merchant phone number provided by XXXX is XXXX. A voicemail for XXXX XXXX has not returned the eight messages my wife left asking for help with this issue. 

Only two line items from the original bill have been sent to collections. The remaining three line items totaling {$41.00} from the original bill of {$740.00} has been properly allocated. For some reason, the two line items that have been sent to collections have not been properly allocated to the correct provider. I do not know what else we are supposed to do to prove the bill has been paid. I have proof of payment that includes the Transaction Date, Transaction Amount, Authorization #, Merchant ID, Merchant Phone Number, HSA routing number, Response Code, Last 4 digits of HSA Account, Authorization Code, Response Code, Transaction Timestamp, and Provider Visited. 

The debt has been paid. I have proof of payment. I welcome any assistance the CFPB can provide me in rosolving this issue. I take my credit score very seriously and do not want an issue that is not my doing to affect it in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX THEIR IS NO WAY POSSIBLE I WAS LATE THE DAYS YOU WERE REPORTING - THIS CAR WAS TRADED IN AT THE DEALERSHIP. THIS IS NOT OUR FAULT YOU HAD NOT BEEN PAID BY THE DEALERSHIP FOR THIS CAR. PLEASE SEE DOCUMENTATION TO SUPPORT MY CLAIM. PLEASE CHECK YOUR RECORDS. I AM GIVING YOU 30 DAYS TO FIX THIS AND IF NOT I WILL HAVE TO PROCEED WITH LEGAL ACTION AGAINST YOUR COMPANY AND THE DEALERSHIP.
Product: Credit reporting or other personal consumer reports

I sent a certified request to Equifax on XX/XX/XXXX23 to report an inaccuracy being presented on my consumer report. I requested to have this account ( XXXX XXXX XXXX ) removed because the account does not belong to me. Further, XXXX XXXX XXXX violated the FDCPA rule 809 since I was not notified in writing prior to this alleged debt being reported on my consumer report. In the past, Equifax has required me ( the owner of the consumer report ) to provide personal information and explain ( prove ) why this alleged debt/account does not belong to me. However, the entity ( XXXX XXXX XXXX ) was not required to provide any information whatsoever to prove the validity/accuracy of this alleged debt. Why do I ( the consumer ) have to prove why an account that was never validated DOES NOT belong to me when the entity is not required to do the same prior to reporting the account on my consumer report. The verifying documents that are being requested of Equifax ( from me ) have already been provided on numerous occasions via certified mail. I have attached these documents for review. Where are these documents being stored and why am I continually having to provide them when I identify an inaccuracy on my account. It seems that the credit bureaus are more supportive of reporting inaccurate information without any validation as opposed to recognizing an inaccuracy identified by the consumer and removing that inaccuracy in accordance with Fair Credit Reporting Act and FDCPA rule 809, Validation of Debt requirements.
Product: Debt collection

NCC Business Svcs Inc XXXX XXXX XX/XX/2015 for XXXX False charges. 
This issue was resolved with XXXX XXXX from XXXX XXXX. 
There was black mold in the apartment and by NC Regulations Inhabitable and Hazardous to live in. 
These are false charges and predatory practices of harrassment from the former manager at XXXX XXXX. She harrassed me with outstanding false billing and lied about these charges. 
This is not my account.I owe no debt.
Product: Money transfer, virtual currency, or money service

XXXX XXXX I called someone which I thought was cash app support. Only to turn out it was not it was a scam. He told me to download an app so we can figure this out together. The app was calling team viewer. That is the worst app in the world my life changed from that day on. He saw my account and my chime bank account was connected to cash app. He than was able to push number and said he was sending me money to see if my account can receive and than see if he can draw it back out. The whole time he was just taking my money XXXX. I was left with {$12.00} and {$400.00} something in my savings. I hope no one else go through this. Cash app finally email me back and said it wasnt anything they can do about it because it has already cleared. XXXX XXXX  said my dispute was denied. All these payments went out right behind one another to names I have no clue they are not in my address book or anything. I need help please. You can see when some transactions was canceled.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Checking or savings account

My banks executive office told me they would offer the debit card contactless this year and that they would let me know they never did I just want to know if this is available upon request because my debit card still only has a chip no XXXX symbol they told me a few months ago that they will offer it early 2020 but when I called customer service to ask they dont know what this is unbelievable
Product: Student loan

Hello, I had called Navient ( my Federal Loan service provider, formerly XXXX XXXX XXXX I believe towards the end of XXXX XXXX, maybe XXXX XXXX. I called to try and get my payment lowered from {$140.00} per month. The person whom I spoke with gave me a few options to try to get it lowered and convinced me to do the re-consolidation to get a lower payment. Then, I had asked for an estimated payment or what it might look like after getting the loans reconsolidated. The gentlemen on the phone stated that it would be around {$90.00} something per month, which, would be something I could afford on top of the private student loans I am also paying back. I went ahead with this plan thinking it would be better and they went ahead an processed it, along with three months of forbearance because I was struggling to make payments on time. 

Flash forward a few months later, I gave Navient a call towards the middle of XXXX XXXX because I had not heard anything on the status of my application. After that, I received an e-mail of what my new payment would be in XXXX XXXX ... {$190.00}. Wow. I could not believe this. Why would anyone reconsolidate to have their payment be increased? I called Navient again. Apparently, going forward with the decision to reconsolidate was NOT the option I should 've been pushed into doing. The lady I spoke with on the phone went over my account and advised that I should NOT go forward with anymore forbearance because of all the interest that has accrued. What else was I supposed to do when I was n't able to afford payments? I told her that I was advised to do so and to reconsolidate, which she also told me I should not have done, either. I then asked, could I go back to what my plan was before?, and she said no. So, in the end, I ruined any chance of being out of financial debt any time soon. Not only could I not get out of the plan, but reconsolidating only added 10 more years onto a 10 year loan. And now, this is all a disaster. 

I do n't understand how a loan company could advise student loan borrowers to go through with this knowing that they are just banking on the interest they 're collecting, even when loans are in forbearance. I do n't know where else to turn, what other companies to look for or how to even qualify for loan forgiveness. It does n't seem right or fair for a company to expect payments like these, when our generation has other financial obligations like rent, groceries, credit card payments, other loan payments, a LIFE. 

I am not saying that I regret taking out student loans, because I would not have been afforded the wonderful and fulfilling education I received. However, if I had known then what I know now, I would n't have done so to be in the current financial loop around I am in. 

My feel stuck and do not know where to turn to at this point. Any advice would be greatly appreciated moving forward.