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

I received a letter from Discover bank dated XX/XX/XXXX in response to my request for privacy and confidentiality in accordance to the fair Credit Reporting Act and the Graham-Leach-Bliley Act of 1999 alleging to be reporting accurately. 

I have enclosed a copy of a report obtained from XXXX evidence of noncompliance to my written request for deletion of the reported account from all consumer reporting agencies purported as credit bureau agencies. 

As of XX/XX/XXXX my credit limit of {$250000.00} is reported inaccurately as charge off/income to credit report. IRS definition of charge off is considered income. Why is income being reported on my credit report? A company cant report something as both income and debt. Has this credit balance been refunded in accordance

to 15 U.S.C. 1666d? Please take notice, I revoke authorization of use and access to
consumer reports for any credit decision for extension of credit and exclusion of labor/income as consideration for any extension of credit as the labor of a human being is not a commodity or article of commerce. 
As a protected class, I decline to any classification of that of an employee. 
Take notice of the modification to the terms and conditions herein for reconsideration of credit application to conform to the truth in lending act for an open-end consumer credit plan 15 U.S.C. 1635 and 15 U.S.C. 1637.
Product: Debt collection

This company has constantly reached out to me after I sent several letters, reached out to the FTC and also called and emailed them directly. I have submitted the letter that I have sent to this agency and the next step is to reach out to the attorney general office is this matter is not resolved. 

I have also submitted the tracking information for a letter that I sent out today asking them to not contact me since they can not prove that the debt is mine. Their practices are extreme as well as not warrant because I do not owe this debt. I have also let them know I am conversing with XXXX XXXX directly and I do not want further contact with this agency. 

I will also be submitting a letter to the collection agency today and I would also like for the FTC to forward the letter that I Lastly, I attached the tracking information for the certified mail that I sent today so that they can acknowledge that the letter and stop disregarding my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XXXX Ive noticed a hard inquiry was reported to XXXX on my credit report. I got a notification on my phone from XXXX XXXX  indicating that I applied for some type of credit on XX/XX/22 which I did not applied for anything at all on that day or any other day. The company name is Barclays Bank of DelawareXXXX I Looked up that company and I placed a call but they prompted me for my information and a referral number which I did not have, so I told them that my name or information was used by them so they told me to repot it to the credit report agency which I had done.. Barclays Bank of Delaware could not give me any information unless I gave them all my information which I do not feel safe on doing to a company I do not know anything about and why and how they had my information in the first place.. so Im reporting this to have that hard inquiry removed from my credit report and to find out what I can do to have my personal information removed from certain companies or third parties companies and keep my personal information safe? However I did have all 3 credit report agencies freeze my accounts but I dont think that its enough to keep my identity safe. Thank you
Product: Credit reporting or other personal consumer reports

Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 

XXXX XXXX : opened XXXX XXXX, 2023 XXXX  XXXX : Account number XXXX XXXX  XXXX : Fraudulent Charges {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that XXXX  XXXX/XXXX XXXX XXXX of the amount of {$1000.00} has re-aged/ changed the original date of the debt. It was started in XX/XX/XXXX and now on all credit reports XX/XX/XXXXstart dates : TransUnion XX/XX/XXXX, update XX/XX/XXXX ; XXXX XXXX ; XXXX open : XX/XX/XXXX, update XXXX. This debt has exchanged into so many hands that I don't know who actual has it. I receive calls on my cell phone and no words are spoken just hangs up or if it goes to voice mail its a machine or they say my name then hangs up. I had calls on Sundays and after XXXX XXXX  CST. This is make my report look bad and who can trust if you pay one company and at the same time another collection company demanding money and states its my problem with them ... XXXX XXXX themselves are hard to get a straight answer or direction for the original bill which was really {$240.00} but they stated I broken contacted and charges for the broken contract. On XX/XX/XXXX we has a devastating tornado ripped through my area causing catastrophic damage, no power, nor water. I just moved in my house so I this caused a financial downfall trying to recoop, especially the lost of food and water resources.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter concerning the reporting of a charge-off on my consumer report, which I believe violates federal regulations and established case law. Specifically, I am concerned that the Internal Revenue Service ( IRS ) considers a charge-off as income, and as such, it should not be reported to any consumer reporting agency. As per the Fair Credit Reporting Act ( FCRA ), it is essential that consumer reporting agencies furnish accurate and fair information regarding an individual 's creditworthiness. However, the reporting of a charge-off, which is treated as income by the IRS, contradicts this requirement. The IRS has explicitly stated in various publications and guidelines that a charge-off is considered taxable income. For instance, in Publication 4681 ( " Canceled Debts, Foreclosures, Repossessions, and Abandonments '' ), the IRS outlines that cancelled debts, including those resulting in a charge-off, are generally considered taxable income unless specific exceptions apply. This confirms that a charge-off is recognized as income by the IRS. Furthermore, case law supports the notion that a charge-off should not be reported to consumer reporting agencies due to its classification as income. A notable case in this regard is the United States Tax Court case of XXXX XXXX XXXX XXXX, XXXX XXXX 1XXXX ( 1987 ). In this case, the court ruled that a cancelled debt, which resulted in a charge-off, was indeed taxable income and should be treated as such for tax purposes. This ruling establishes a precedent that aligns with the IRS ' classification of charge-offs as income. Given the IRS ' stance and the precedent set by relevant case law, it is evident that reporting a charge-off on a consumer report is erroneous and may potentially mislead lenders and other entities assessing an individual 's creditworthiness. Therefore, I kindly demand that you take the necessary steps to rectify this issue and ensure that any reporting of a charge-off on my consumer report is promptly removed. I trust that you will address this matter in a timely and appropriate manner. Should you require any further information or documentation from me, please do not hesitate to contact me via the contact information listed on the account. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. Equifax is reporting late payments on multiple accounts XXXX XXXX XXXX Account XXXX Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave Equifax written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to Equifax violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Mortgage

Good Afternoon, I believe TD Bank has made a UDAAP violation. I called and inquired about a HELOC on an investment property. They told me they had a great HELOC program that would not have any closing costs. There was only an application fee of {$99.00}. This was discussed multiple times throughout the entire process that can be verified on their recored lines. Once they called me with my clear to close they now are saying that this loan does not fit the product they initially put me in and say closing costs would be {$930.00} in addition to the {$99.00} application fee. Had they mentioned this earlier in the process could have avoided this by not moving forward. the entire process I told them the only reason I'm working with TD is because there were no closing costs. at no point until I received my clear to close had they admitted there would be closing costs, the lied through the entire process and took advantage of a well qualified individual. 

I feel like I was put in an unfair position as I needed the funds to use on my properties and have now wasted an entire month that I could have been applying for a loan somewhere else with less closing costs. 

I called and asked what they could do about this and the loan processor XXXX XXXX instead of trying to remedy said ok we won't close and ended the call. I tried to speak to the lender who said they would escalate it and their manager said they couldn't help at all.

I'm concerned many other individuals are being taken advantage of by TD Bank and this is not right. Personally I work at a bank and understand the rules and regulations and this is absolutely deceptive and taking advantage. 

The offenders include : XXXX XXXX - Loan Processor XXXX XXXXXXXX XXXX XXXX - Loan Officer XXXX XXXX XXXXXXXX XXXX - Loan officer XXXX XXXX
Product: Debt collection

TSC Accounts Receivable Solutions and XXXX XXXX MD, I had went in for cosmetic procedures and paid cash ( {$2400.00} if I recall ). After which I had significant scars from the procedure. I then received a bill for lab work which was not discussed. I called them to dispute and complain about scaring and demand the {$150.00} be removed and asked for a refund on the cash paid. I alerted them that I was filing a complaint against them with CA medical board. They then sent me to collections. I did not agree to this extra amount and have injuries from this office.
Product: Debt collection

According to Fair Credit Reporting Act, credit reporting companies have 30 days to investigate credit file disputes by consumers. Experian has had more than 60 days. I sent in a dispute letter to Experian dated XX/XX/2020 for this item and other collection items on my credit report and its been over 60 days and Experian has not responded to my disputes on most of them. This one, however, Experian did respond stating this XXXX, XXXX, {$2500.00} medical bill has been removed. Yet, it remains on my credit report. Please have Experian permanently removed from my credit files, immediately as it has seriously hampered my ability to acquire credit to better take care of my family. Being a XXXX military veteran only adds to my challenges in fixing my credit!
Product: Debt collection

Hi, My situation did not really fit a few of the questions / topics to pick from so I just picked the topics as relevant as I was able to. 

I am in the process of cleaning up my credit and paying past debts / getting accounts out of the derogatory / collections status and I notice that there is a company abbreviated XXXX/XXXX. I do acknowledge that I owe the debt. This account was opened in XX/XX/XXXX and it was last reported in XX/XX/XXXX with an outstanding balance of {$630.00} ; the payment statuses are : XXXX - " charged off as bad debt, purchased by another lender '' / XXXX - " purchased by another lender, unpaid balance reported as a loss by credit grantor '' / XXXX - " account transferred or sold, charged off account. '' I called the company directly and they informed me that it has been sold to United Debt Holdings and provided me with their phone number. I reached out to United Debt Holdings several times looking for live person but got a voicemail instead promising that someone will reach out to me 24-48 hours. After making several more phone call attempts, I searched the internet for their website and other valuable information I can use to get in contact with them. After trying to get to their website with no avail, I checked the company out on the XXXX  ( XXXX XXXX XXXX ). Much to my surprise, I find out that they have went out of business, they're not accredited with the XXXX, they are numerous complaints similar to my situation and that United Debt Holdings have been giving people pretty much to same responses. There was a response from United Debt Holdings on XX/XX/XXXX that they are no longer in existence and all assets have been transferred to XXXX XXXX XXXX XXXX XXXX. I tried calling them but it's the same situation at United Debt Holdings. I'm devastated to experience all of this as a person that is trying to improve their credit / finances, etc. I want to be able to pay my debt without having to worry if it's a scam / negatively affecting my credit. 

If you're able to help shed light on this situation, I would greatly appreciate it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccuracies on Credit Report To whom it may concern, I am writing to formally dispute certain information that appears on my credit report, which I believe to be inaccurate, incomplete, or unverifiable. I respectfully request that you investigate the following inaccuracies, and in accordance with the Fair Credit Reporting Act ( FCRA ), remove or correct the erroneous entries. 

The inaccuracies I have identified are as follows : XXXX. XXXX Account # : XXXX Discrepancy : Incorrect history payment Under 15 U.S.C. 1681i ( FCRA 611 ), I have the right to dispute information on my credit report that I believe to be inaccurate or incomplete. The credit reporting agency must investigate my dispute within 30 days, and if the information is found to be unverifiable or incorrect, it must be deleted.

Additionally, under 15 U.S.C. 1681b, a consumer reporting agency is only permitted to furnish consumer credit reports for certain purposes, including when the information is accurate and when the user of the report has a legitimate business need to access it. If an account listed in my credit report can not be verified or is found to be inaccurate, it no longer meets the criteria for permissible use under this section. Therefore, it must be removed from my credit file to ensure compliance with the law.

Furthermore, 15 U.S.C. 1681e ( b ) requires that consumer reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information included in a consumer 's credit report. If an inaccuracy exists that can not be verified or substantiated, the reporting agency has a responsibility to correct or remove it. Failure to do so constitutes a violation of this section of the FCRA.

Finally, under the Fair Debt Collection Practices Act ( FDCPA ), specifically 1692e ( False or misleading representations ) and 1692f ( Unfair practices ), it is illegal for creditors or debt collectors to report inaccurate or misleading information to consumer reporting agencies. The failure to correct inaccurate data is a violation of these protections and may result in legal consequences.

I request that you conduct a thorough investigation into this matter and correct or delete the inaccurate entries from my credit report as required by law. Please notify me in writing of the outcome of your investigation.

Thank you for your attention to this matter. I expect a prompt resolution in accordance with the FCRA and FDCPA. 

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

I was deprived a job because of information give from there report.
Product: Credit reporting or other personal consumer reports

RE XXXX XXXX  Block Request Dear Sir or Madam, I am writing to advise that I am a victim of XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX
Product: Checking or savings account

Fraudulent charges have been occuring in my Ally Bank checking account. I've been reading on XXXX that other like me have been receiving fraudulent charges as well in recent days, and I think that it's due to a possible leak of PII data. 

I personally was only given a pending charge of XXXX to a XXXX XXXX XXXX  XXXX, before I locked my card and reported it stolen. Others online have said that they have had multiple charges ranging from XXXX dollar to about XXXX end up getting made on their accounts, essentially rendering their debit cards useless. 

Ally has not done anything since I have been unable to get a hold of XXXX. But they also haven't publicly said anything as of yet either.
Product: Credit card or prepaid card

Dear CFPB, I am writing this letter to lodge a complaint against Wells Fargo Bank for their fraudulent practices targeting consumers. Despite my previous attempts to complain, I had to contact Wells Fargo again today to inquire about the amount I need to pay on my previous bill. I specifically asked the agent to calculate the amount, considering that there are four disputed charges that should be deducted. The agent performed the calculation and informed me that I could subtract approximately {$250.00} because the four disputed charges are still pending, and I am not required to pay or incur any interest. I then informed the agent that I had recorded our conversation as evidence in case there are any future issues for which they would be responsible. Immediately, she panicked and tried to transfer my call to her supervisor, retracting everything she had just said. This banks behavior is outrageous! They shamelessly deceive consumers, neglect disputes, and employ various forms of deception. They even claim that undisputed charges were not provided by the customer! Wells Fargo bank has shown me the ugliest side of American capitalist banking. This bank is on the verge of collapse ; they must be facing severe financial instability. I now have two recorded pieces of evidence : 1. A complete recording of the conversation regarding the disputed charges and the information provided. 2. A recording of the banks fraudulent misrepresentation of the correct repayment amount. I kindly request regulatory authorities to oversee this matter. If this shameless bank continues its obstinate behavior after my complaint, I am prepared to cooperate with the CFPB to take further legal action. Sincerely, XXXX
Product: Checking or savings account

I made a complaint to CFPB regarding my Credit Karma account. Credit Karma responded to this complaint and stated they would provide a provisional credit for the following dispute IDs were filed on your behalf : XXXX, XXXX, XXXX, XXXX, and XXXX totaling {$8000.00}. The account was closed and no provisional credit was ever issued. At this time I am requesting a check in the amount of {$8000.00} while I gather more documentation to support my claim as they have requested. This check can be mailed to the address on file of the closed account.
Product: Debt collection

I believe I filed complaint against MCM or Midland Credit Management before.. They are one of several debt collection buyers who were allegedely collection debt on behalf of XXXX. I wrote to XXXX directly and receive and positive response. Stating that XXXX does not report to credit bureaus. So since when collection agencies have more to say than the original creditor? I read all the federal rules about reporting and collecting practices. I also noticed among several of my collection letters that that dates of last activity keep changing. I believe that 's illegal. This particular account according to XXXX XXXX letter only existed one month from XX/XX/XXXX - XX/XX/XXXX. The balance of {$1600.00}. XXXX includes activation fees, third party downloads, etc.. Also in another letter to MCM I attached a class action letter including my account as being part of XXXX fraudulent overcharges. Yet this debt buyer has the nerve to constantly herrasse me ( XXXX woman )?!! I will send you this official XXXX letter of or when needed. I have a claim with the government class action suit. So maybe they need to pay me for all the misery, hassle and worth ending of my health XXXX XXXX XXXX survivor ).
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX is reporting an account that is not mine with a balance of {$590.00}. They will not stop calling and sending email about this account that is not my account.
Product: Money transfer, virtual currency, or money service

Paypal withdrew money from my account to pay for Paypal credit without my permission. I wasnt prepared to make the payment. Baiscaly I had an amount due w/PP Credit and I had cash in my normal paypal account. Apparently they can just take that out without consent. I dont see how thats fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported the inaccuracies to all 3 bureaus showing it is not consistent. On XX/XX/2020 and XX/XX/2020 XXXX XXXX XXXXXXXX reported I was late 60 days both months to XXXX . The same company reported I was 30 days late both months to XXXX and Experian.