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

XXXX XXXX XXXX you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
PROHIBITION : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate.

15 USC 1681 s-2 Says you XXXX XXXX XXXX are a furnisher of information to a consumer reporting agency. 
You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
Product: Credit reporting 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 Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX and list of Inquiries. 


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, 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. This was a corporate account and mistakenly reported on my profile. I believe there may be an error on the payment status, payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP. ( ONEMAIN XXXX )
Product: Credit card or prepaid card

On XX/XX/XXXX, my card was accessed at XXXX XXXX atm to check the balance and {$1000.00} was withdrawn. I immediately contacted the bank and they opened an investigation and reported such to EDD later that month I received a letter that they deemed the transaction fraud but never gave me my {$1000.00} back stating that it was because the EDD closed my account thus closing out the investigation. I called numerous times to follow up which they had to submit a request to backoffice to open the claim. In XXXX, they rescinded their stance and made me liable for a fraudulently transaction although the city the crime occurred and I live are about a hour and minutes apart. They did not pull video footage from the neither atm that checked the balance at or withdrew the funds.
Product: Mortgage

After Santander bank filed for petition to foreclose my house, I received a call from XXXX that assured me that they can modify my loan and charged me around {$4000.00}. 
Now I have a notice of foreclosure in my hands. Santander is playing games by asking to supply them by some minor information or more recent pay stubs, by the time they receive the info they trash the whole stack of papers that I already sent by saying it has been over 2 months. 
They did this to me, also to XXXX twice
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION XXXX, On XX/XX/XXXX I received an alert from XXXX monortng services that their was attempted inquiry from, Company - American Express Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ut. XXXX Phone No. XXXX XXXX XXXX XXXX and was blocked, but today on XX/XX/XXXX I received another alert that the inquiry in fact did go through and hit my credit report without my authorization. 
I've tried calling AMEX above mentioned company and it is impossible to get through to them, I need this inquiry removed from my credit report right away as it is impacting my score negatively and dropped.
Product: Checking or savings account

On XX/XX/year>, I was checking my account to withdrawal some money. Little did I know someone had already withdrew {$80.00} dollars from my account. I live in XXXX, CA. The location taken out said XXXX XXXX XXXX XXXX XXXX XXXX. I called the bank so they " froze '' my account and where sending me a new card. Then I had filed for fraud through the phone and on their app. It wasn't until XX/XX/year> that they decided they found no sufficient evidence to support my claim. During this time not only did they not send me a card but they didn't lock my account. I had to call again because I was getting notifications that someone was still trying to withdrawal money. By this time I stopped receiving deposits and had XXXX dollars in the account. I emailed them to please send me the documents they " relied on in making '' their decision and now it's XX/XX/XXXX, nothing has been done.
Product: Mortgage

This is my fourth complaint regarding fraudulent and predatory practices of New Rez aka Shellpoint mortgaging services during healthcare crisis and national pandemic. 

These companies deceitful acts are to be exposed and investigated. 

In response to my complaints to these companies, including to their escalations department, LM specialists including XXXX XXXX, XXXX XXXX etc, New Rez /Shellpoint issued another response dated XX/XX/XXXX which this time is unsigned. The said response was uploaded into the CFPB website by New Rez/ Shellpoint. In accordance with GBL, the consumer is entitled to know the name and the title of person responding to the consumers complaints. 

The said response stated in paragraph 4 : Loss Mitigation Department representative attempted unsuccessfully to reach you at a phone number ending in XXXX on XX/XX/XXXX and XX/XX/XXXX to discuss extending your forbearance for an additional three ( 3 ) months toXXXX XXXX, XXXX ; a voicemail was left from the XX/XX/XXXX contact attempt. 

When I again contacted Loss Mitigation, LM Specialist XXXX XXXX stated that : We cant extend the forbearance plan toXXXX until XX/XX/XXXX.. 

XX/XX/XXXX is the deadline on the current forbearance. Leaving no grace period for extension puts the loan into a possible default, and is unconscionable. 

I have sent numerous correspondence to the company requesting their official position as to why despite of the companies statement that your XXXX XXXX XXXX XXXX f//k/a XXXX XXXX   ( XXXX ) backed loan is entitled to a 12-month forbearance period total, in maximum increments of six ( 6 ) months, if you request it due to a sustained inability to make your full contractual monthly installment payment, no forbearance or any response is being provided as of XX/XX/XXXX and my correspondence is being simply ignored. 

As a retaliation to my inquiries into the companies fraudulent practices, my escrow account is being charged for insurance when my condo and HOA insurances are current and active. Copies provided to NewRez and Shellpoint. 

As such, signed response to this complaint is requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

noticed some fraudulent inquiries on my credit report that i did not authorize. Please remove it from my report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Notice of Dispute Regarding Inaccurate and Unverifiable Information on My Credit Report Dear Consumer Financial Protection Bureau, I am formally submitting this complaint against Experian through the CFPB regarding their failure to conduct a proper and thorough investigation into inaccurate and unverifiable information on my credit report. This is my third dispute concerning this matter. Despite my previous two formal requests for an investigation, Experian has continued to report erroneous information without properly verifying its accuracy.

Specifically, I am disputing the following account : **Creditor Name : ** XXXX XXXX XXXX XXXX **Account Number : ** XXXX Experian has failed to comply with its obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation into my disputes. The inaccurate and erroneous information contained within this account has negatively impacted my credit profile. As proof, I have attached screenshots of the incorrect data and details regarding the inaccuracies that Experian has refused to correct.

Additionally, Experian is illegally re-aging this account by reporting a " charge off '' status every single month. A charged-off account should not continue to be reported with a " charge off '' status on a monthly basis. By doing so, Experian is improperly extending the statute of limitations for when the account is scheduled to be removed from my credit report. This illegal practice makes the charged-off account appear newer each month, unfairly damaging my credit. Furthermore, Experian is depriving me of the opportunity for the account to be removed as mandated by law when the time period expires.

I demand that Experian immediately delete this account from my credit report, as it contains unverifiable and erroneous information. Should Experian fail to take corrective action and remove this account from my report, I will be left with no choice but to pursue legal action to enforce my rights under the FCRA.

I trust that the CFPB will take my complaint seriously and ensure that Experian complies with its legal obligations. Please provide written confirmation of the actions taken to resolve this matter at your earliest convenience. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

XXXX XXXX I Notified XXXX XXXX OF AN UNAUTHORIZED WITHDRAWAL, FROM AN UNAUTHORIZED DEPOSIT FAILED TO INVESTIGATE. CREDIT ACCOUNT DURING INVESTIGATION OR NOTIFY. 
Failed to provide mandatory disclosures required or permission to create and deposit funds into portal for EFT transactions according to EFT ACT. 


Re : Account ending in XXXX. Investigation Results Dear XXXX  I am writing to request an immediate update on the investigation into the unauthorized transaction that was made on my account on XX/XX/2022. As per our previous conversation on XXXX XXXX, I was informed that an investigation was being conducted to determine the source of the transaction and to rectify any potential issues with my account. 

However, it has now been more than two months since the investigation was initiated. and I would like to remind you of the time allowed for initial requirements and penalties for non-compliance with 15 USC 1693m. Credit account within 10 days of consumer notification the amount unauthorized. Notification to consumer in writing of investigation results, no longer than 3 days after conclusion of results. If a financial institution fails to comply with the requirements of this statute, it may be liable for actual damages, statutory damages of up to {$1000.00}, and treble damages in the amount of the actual damages or {$5000.00}, whichever is greater. 

As a customer of your institution, I have the right to know the status of this investigation, including any actions that have been taken to prevent similar unauthorized transactions from occurring in the future. Additionally, if there were any charges or fees associated with the unauthorized transaction, I expect to be informed of the steps taken to refund these charges. 

As a reminder, I have previously provided you with the following information : The date of the unauthorized transaction The amount of the unauthorized transaction The specific details of the transaction I urge you to provide me with an immediate update on the investigation 's status and let me know the expected time frame for its conclusion. If there are any updates or changes to the timeline, please inform me promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

This claim was closed by XXXX XXXX XXXX along with XXXX -- CFPB claim XXXX. There is no owed debt. XXXX XXXX XXXX is not processing and acknowledges that the debt is not owed. 

Neither party could provide the XXXX XXXX for the phone in question which was never used and returned to XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I requested for Experian to investigate inaccurate information related to the trade line XXXX ( Account Number : XXXX ) and to update or remove the account. Experian responded that they verified the account via report # XXXX. In XX/XX/XXXX, I asked for them to provide how they verified. I never info in regards to how they verified instead they verified the account again via report number : XXXX. I requested method verification again in XX/XX/XXXX, and they never provided the method of verification. I requested verification and never received verification just that they verified XXXX report number : XXXX ). 

In XXXX after back and forth with the original creditor, they provided a letter showing the tradeline is charged off. I was also told that the last payment was applied to XX/XX/XXXX and that the first date of delinquency was XX/XX/XXXX. However, Experian is reporting this tradeline as account status = " Repossesion '' and reporting a late payment each month.
Product: Credit card or prepaid card

I have a Fidelity Visa Card issued through Elan Financial Services. My credit limit is {$25000.00}. I reached my credit limit on XX/XX/XXXX. The payment due date is XX/XX/XXXX with a payment amount of {$11000.00} due. I made payment on XX/XX/XXXX of {$11000.00}. I did a direct payment out of my Fidelity money market account to the Fidelity credit card on XX/XX/XXXX. On XX/XX/XXXX the money was taken out of my Fidelity money market account. The Fidelity credit card is still frozen as of today, XX/XX/XXXX. 

I called Elan Financial and they said I have to wait 7 days before they will let me use my card. The money is in their hands NOT mine. I am now stuck with no ability to use my card even though i have made an EARLY full payment 5 days ago. I do NOT have my money and Elan does ; however, they refuse to let me use my card. How is this allowed?

The upmost irony is this is a Fidelity card, paid electronically with a Fidelity account. I no longer have {$11000.00} and they do but they will not unfreeze my account for 7 days. XXXX!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that XXXX, TransUnion, and XXXX credit XXXX agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened XXXX with XXXX XXXX and a balance of {$1800.00}. I have never received any services of goods nor do i have a contract with this company. I don't know who they are, nor have I signed any agreement or contract. This company do NOT have a signed agreement with my signature to there company. The account needs to be deleted immediately for fraud reporting to my credit report. This collection account is inaccurate and false under 15 USC 1681s-2 ( A ) and 15 USC 1681e ( b ) they can not furnish my signed signature for any product they offer, so this account can't be verified under any federal consumer law.
Product: Checking or savings account

Hello, I am writing to request a investigation of the following information : - Received a letter on XX/XX/2022 from Bank of American - The letter that indicate that I have a XXXX XXXX  account, the last XXXX digits account number is XXXX- I have never authorized to open a account with Bank of American It is against Law that someone open an account with Bank of American and without my authorization. 

Look forward to hearing from you soon. 

Regards,
Product: Credit reporting or other personal consumer reports

I received some investment property around XXXX of last year. I used my credit cards to renovate one side of the apartment that wasn't livable, plus increasing the value of the property at the same time. I kept the balance below my limits and made more than the minimum payment on the accounts. J C Penny 's I use very XXXX. I stayed in good standards as long as I had the card with a XXXX balance. Around XXXX of last year a letter came stating my line of credit was reduced. The rep stated that they looked at my credit report and saw high balances on my other credit cards, they decided to reduce my limit. This caused my credit scores to fall because by reducing my limit The credit depositories are looking at my credit card usage over 50 percent which treats this cards like they are delinquent. I wasn't aware that this could happen. They can look at my credit report with no discrepancies but high balances and determine I'm a credit risk even if I never been late on anything..
Product: Vehicle loan or lease

One Main Financial used extreme tactics for payments thats were not applied to the vehicle loan. I was told it went to interest, which is very high. I was told signing up for insurance on the loan would protect me in the future and it did not.
Product: Credit reporting or other personal consumer reports

Equifax is violation and not in compliance with Metro 2
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing my current Experian, XXXX and XXXX credit report and requesting a re-insertion of my auto loan XXXX XXXX XXXX. It was removed from all credit bureaus, therefore, my credit scores have been reporting inaccurate. This is a legitimate dispute, and I am hoping you can resolve this matter. Please reinsert XXXX XXXX XXXX back onto my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have addresses on my credit file that are not mine. I do not live at the following addresses please delete them they are not accurate : XXXX XXXX  XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX, XXXX, FL XXXX I would like to have a new copy of my credit report and opt me out of any and all promo and credit card pre screen ads.
Product: Checking or savings account

For multiple days I tried to add my XXXX  XXXX  and XXXX XXXX XXXX  to my Credit Karma Money Acct. It recognized my acct info but would not connect the accounts when they clearly show them as an option to connect or link to credit karma money acct. I would have not signed up an got funds added to credit karma money if I would have known this wouldnt have work. Causing me to be late on paying someone back I had promised to pay back for helping me with my rent due to me not working at the time cause of Covid. An also bills and support for my kids. I am very upset an disappointed. This is false advertisement. Called an spoke with credit karma customer service. The only thing they said was try to add another card. Cause they sorry the accounts dont connect to chime or varo accts. When clearly its showing once you click link accts those two as an option. Spoke with a supervisor she was unable to help me. Couldnt explain why they were on there for an option but were unavailable for use. We did troubleshooting and by uninstalling apps and reinstalling them. Still nothing work. She submitted an escalation or tech support email to see if they could assist me. But no help from them.
Product: Credit reporting or other personal consumer reports

ts seem after several attempts Experian has failed to validated multiple accounts I have asked experian provide me with a signed contract or delete these accounts and they have failed to do so
Product: Vehicle loan or lease

My original loan was with Springleaf Financial,  which is now One Main, for refinancing a XXXX XXXX XXXX. The loan originated XX/XX/XXXX with a first payment of {$850.00} that was due XX/XX/XXXX. There were 47 recurring payments of {$780.00}. I have been paying this loan for over a year now. I am a XXXX XXXX XXXX on a fixed income. I earn {$3500.00} a month from a pension. I earn {$1400.00} from Social Security. I also take care of my adult son who suffers from stage XXXX XXXX failure. I recently contacted One Main about refinancing the remaining loan  balance so that my payments could be lowered to something that is easier to manage. They informed me that refinancing would make my loan payments higher. How is that possible? Paying this loan has been a hardship for me. Help me.