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

Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information. 

The account in question is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The balance currently being reported is inaccurate and potentially unlawful. XXXX XXXX v. XXXX XXXX Bank, the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt.

If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible. 

Provision of the 1099-C Form : If issued, provide a copy to verify the identifiable event.

Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act.

Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX
Product: Debt collection

So i signed up with XXXX because they told me they would give me a {$50.00} gift card. They never did. I called and asked about it and they said i had to fill out a form online. I did that. They still didnt give me the gift. I called again and they acted like nobody ever spoke to me or like i never called. They asked me to fill the form again. This was now a couple weeks after i opened my XXXX phone account. Never received the gift. I called again, again they acted as if it was the first time i called but stated the promo was over. Well i stayed with them for a few years but didnt like the service so i switched to XXXX. In order to do so i called XXXX to cancel my account and the agent said i would have to pay the rest of the month bill. I said fine. Then following month i received another bill. I called XXXX and they insisted i pay. So i tried to raise a complaint and the rep said she can take half the payment which was {$35.00} and it would settle the account. So i paid the {$35.00}. Which was half, and was told the account was settled. I recieved anothet bill for the other half. When i called they said to pay, i explained my previous agreement and the rep said ok, just disregard the bill. She said it was an auto generated bill and not to worry. Then i was contacted by XXXX or debt collector. Im not sure. They offered to settle for {$39.00}. More than the original amount, or i will have to pay {$43.00}. Well i told my story again. They said it wasnt valid and i said they would send me a letter to dispute i would have to send a letter as well and they would mark the account as refused. Well i then received a bill from convergent outsourcing inc . Asking me to pay XXXX. So i called and they refused to tell me anything unless i gave my social or date of birth. They would tell me where to send dispute or give me any info at all. I confirmed my account number with them but they said they cant tell me anything without me confirming my private info. Well its only XXXX but its a broken system. Companies doing whatever they want and not being held accou table. It was deceptive, unfair, and abusive.
Product: Student loan

I was on XXXX due to XXXX XXXXXXXX and struggled for 2 years prior to that made my payments on time and they still always said I was late. I call customer service to assist with my question and every time I get a different answer, no notes you called we don't know what you are talking about we lost your paper work to lower your payments, we mailed you a statement but if they mailed it to me why haven't I received it? 
I worked at a non-profit hospital for 10 years and was never once told about the programs that you could apply for and possible forgive your loans. Or course I don't work there right now but I did. 

The last time I called in XX/XX/2021 I happened to log into my portal through them and see that I had a balance due but never received any information from them. 
when I called the lady said that I signed up for e-delivery which I promise I did not do as I have years of issues with this company. 

Customer service is horrible and you never get anywhere. I have come to ask for a supervisor but I am always told that they will call back within 24 to 48 hours on the problem but of course never do. 

I still struggle with my payments as the cost of living goes up but not the pay and they seem to never want to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is now my third time disputing this collection account with Experian. Both times previously, they confirmed that everything is reporting accurately. However, there are still major inaccuracies with the collection account and the original creditor. I do not think they ever fully investigated my previous claims which is why I am contacting the CFPB. This is a direct violation of FCRA 15 U.S.C. 168. These inaccuracies are negatively impacting my credit report, and ALL should be deleted immediately. 

XXXX XXXX XXXX - Acct XXXX is showing an open date of XX/XX/XXXX, but this account was allegedly charged off by the original creditor in XX/XX/XXXX. How can an account be opened with the original creditor and sold to a collection agency in the same month? 

XXXX XXXX Acct XXXX Is the alleged original creditor of the above collection account. They are also showing an open date of XX/XX/XXXX, but again the account was also reported 180 days late in XX/XX/XXXX. So again, how can an account be opened and reported 180 days late in the same month. They also reported payments in XXXX and XXXX. So how can there be payments to an account in XXXX and XXXX, but the account wasn't opened until XXXX. 

Furthermore, the collection account XXXX XXXX is also reporting me past due.. From my understanding collection accounts are not supposed to include a history of late payment or a past due balance, as I do not have any payment agreements currently set in place with this agency. The collection agency claiming a history of late payments and past due balances is a false representation of my relationship with them. They can not report any payment history of late payments or past due balance on an account from the alleged creditor before them. A collection is by default derogatory and this goes without saying. Both XXXX XXXX and XXXX XXXX XXXX XXXX needs to be deleted immediately. 

Again, this is my third time disputing and you continue to report inaccurate information. You've had two other chances to correct my report, yet it is still wrong. Delete both of these accounts immediately, as it is clear they were never investigated. 

I am including screenshots from Experian showing the original creditor with open date of XX/XX/XXXX and payments made in XXXX and XXXX. I am also including the dispute investigation from experian
Product: Credit card or prepaid card

Good morning, I'm filing this complaint in reference to my chime credit builder account. There seems to be an issue with proper documentation on my billing statements, erased transactions, and incorrect account balance. I've tried over 10 times to get chime coustomer service to help with the situation but, there was no competency for a resolution. I've tried explaining that the XXXX statement started off with the incorrect available amount. There was XXXX dollars deposited into the account on XX/XX/2023. The coustomer rep. stated that the billing cycle begins on the XXXX of each month, meaning the deposit on the XXXX is apart of XXXX billing statement. I was told I spent XXXX dollars but, with no balance. " Impossible '' Chime does not let me overdraft a penny. Speaking of penny, I am also missing XXXX pennies out of my savings account. 
There were a few disputed, un-diputed transactions that occured. However, the so called bank did not take action their either. 
Another really BIG SITUATION is a bank rep. telling you they can only view pieces of your information but, are able to email you a statement, seems a little suspicious. I mean how are you conducting account balance with half of the information, totally not possible.
Product: Mortgage

XX/XX/2020 To Whom it May Concern : This is the 2nd complaint Ive had to file with CFPD because SLS never completed the corrections they stated they were going to make to resolve the first complaint ( First complaint ID # XXXX ). 

In their settlement response it lists all the payments they were going to correct, then it states : In addition, SLS reversed a property inspection fee of {$11.00} and a previously collected late fee amount of {$160.00}. These funds were added to the unapplied funds of {$840.00} for a total of {$1000.00}. These unapplied funds will be applied to the XX/XX/2020 contractual monthly payment when the balance of the payment ( {$820.00} ) is received. 

This settlement statement was not made available to me until XX/XX/XXXX. I had already made my XXXX payment of {$1700.00} on XX/XX/XXXX and had also already sent my XXXX payment of {$1700.00} before I received the notice. Since I still shouldve had a credit of {$1000.00} as stated in SLS response, I sent {$740.00} on XX/XX/XXXX ( the ACTUAL amount due rather than the incorrect amount of {$820.00} as stated in their response ), to complete my XX/XX/XXXX mortgage payment. This shouldve completed all actions SLS agreed to and wouldve balanced by account. On XX/XX/XXXX I sent {$1700.00} XXXX the newly adjusted payment due to increase in escrow XXXX to satisfy XXXX payment, and on XX/XX/XXXX I sent {$1700.00} to satisfy XXXX payment. 

SLSs monthly statements ( included in the attachments ) never showed the credit indicated in their settlement response. In fact, XXXX statement indicated the total amount due was {$4000.00}, XXXX statement amount due was {$3600.00}, XXXX was {$4700.00}, XXXX was {$4700.00} and XXXX is {$3800.00}. In addition to these statements, I received 13 courtesy reminder letters between XX/XX/XXXX and XX/XX/XXXX telling me that my mortgage loan is in serious default, including a Notice of Default and Intent to Foreclose ( see attached ) dated XX/XX/XXXX! 

On XX/XX/XXXX I mailed and faxed SLS a letter explaining their errors, asking them to please apply the funds correctly. I received their response dated XX/XX/XXXX, which continued to blame the previous servicer for incorrectly applying funds to principle before the loan was transferred and tried to justify why they will not apply my payments as Ive requested. ( see attached ) In an effort to keep this professional I will refrain from detailing my frustration and complete lack of confidence in how my money is being so fraudulently handled by this company. Please help. Ive been trying to refinance for months now and Ive already lost so much money because of their continued dishonesty. Thanks in advance for any help you can render.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a consumer loan for a XXXX XXXX XXXX. on or about XX/XX/XXXX I sold the car and its still showing up on my credit that I have the account and I do not.
Product: Credit reporting or other personal consumer reports

An Inquiry from XXXX XXXXXXXX on my report is incorrect and I'm asking for an adjustment please ... thanks
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. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT # START XXXX, 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
Product: Debt collection

In XX/XX/XXXX the companies were unable to validate the alleged debt reported to consumer reporting agencies with any endorsed contract between the consumer and original creditor. Which prompted the remittance of the following notice the next month : Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. Promptly delete my information from all your reports submitted to third parties in compliance with the Privacy Act of 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020 I RECEIVED AN EMAIL FROM MY CREDIT REPORT MONITORING SERVICE OF A NEW ADDRESS THAT WAS ADDED TO MY CREDIT PROFILE. I IMMEDIATELY CHECKED ON EQUIFAX.COM AND FOUND FRAUDULENT ACCOUNTS AND ADDRESSES THAT DO NOT BELONG TO ME. I HAVE NEVER BENEFITTED FROM ANY OF THESE ACCOUNTS NOR HAVE I EVER LIVED IN FLORIDA OR UTAH OR ANY OF THE ADDRESSES LISTED IN MY REPORT. PLEASE REMOVE THESE ACCOUNTS AND ADDRESSES ASSOCIATED WITH MY CREDIT PROFILE. I HAVE FILED A POLICE REPORT AND CONTACTED EACH COMPANY INVOLVED.
Product: Credit card

I placed an order for XXXX with an Affirm Virtual Card, which allows me to pay monthly, on XX/XX/XXXX. The order was never delivered, and I disputed this transaction with a lot of evidence. I then disputed this order with Affirm on XX/XX/XXXX. The Loan ID is XXXX. To this date, XX/XX/XXXX, I've only paid off {$190.00} and haven't paid the rest {$610.00} remains to be paid.

I received an email from Affirm showing that I have won the dispute in my favor, two emails totaling the exact order amount of {$680.00}.

I will quote a statement from the emails I received : " Since the dispute was resolved in your favor, you are no longer responsible for any future payments, and you will be refunded any payments that you've already made. '' As shown in the emails from Affirm, I am not responsible for paying any further amounts ; I stopped paying because I never received my order with XXXX. I disputed this purchase, and I won the dispute. However, I am still being called and emailed by Affirm to pay off my Loan with the Affirm Virtual Card. I've tried countless times to contact Affirm and receive an ultimatum or status of my dispute. However, I never receive an update ; I only receive emails and calls to pay off my Loan.
Product: Vehicle loan or lease

It appears to me that the issue at hand ultimately defines itself as " Extortion. '' The lease ended on XX/XX/2020. I aked BMW financial services to extend the loan and was told, " Dear Mr. XXXX : Thank you for contacting BMW Financial Services. We hope you are healthy and safe, and we are here to assist you during this difficult time. Our records indicate that your balloon payment is due on XX/XX/2020. Regretfully, we are unable to extend the maturity date on a select account. '' It is unclear what it means by " select account. '' My understating of the above statement is that we do not care whether the entire world is in the pandemic and disaster. We want our money. 

The primary issue on this complaint is that the amortization calculation indicted as of XX/XX/2020, that I owe {$10.00}, XXXX ( see attached ). However, the payoff instruction indicted that I owe {$12000.00}. 

There is a {$1300.00} discrepancy. 

I sent two emails requesting an explanation. BMW financial services decided to ignore me and did not respond to my emails ( see attached ). 

I had to borrow money to send the extra {$1300.00} because I was afraid that they would intentionally and unjustly report me to credit bureaus. The pay off check was sent via XXXX. 

On XX/XX/2020, while the entire country was on lockdown, BMW financial services wrongly report 12 late  payments to three Credit Bureaus to intentionally demolish and destroy my excellent credit history. 

I have been filing the second complaint shortly.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach. As a result of this breach, fraudulent accounts have been opened in my name. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit report. 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$55000.00} - Chargeoff XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

XXXX On XXXX 2016 basically forced me to co-sign for an auto loan for a friend. They explained that the co-signer would be responsible if the borrower did not pay the loan. With that understanding I still hesitated to co-sign. Wells Fargo approved the loan application. However, it was approved by putting me as the " primary '' owner of the vehicle. That was not what I signed up for and agreed to. I returned to the dealership and spoke with Financial Manager and explained that I did not want my name as the owner of the car because if any parking tickets or insurance requirements would appear under my name. He assured me that this would not be the case. One month later I received a parking citation for that vehicle and sure enough it had my name on it, secondly Wells Fargo sent me a notice this week advising me that the Insurance had lapsed and the notice was sent to me. I specifically told the dealership and wells fargo that I did not agree to be the primary owner of this car that this was not what I signed up for and I feel that I was duped by the dealership even after I specifically told them that I would co-sign. If the lender Wells Fargo wanted to approve the loan they should communicate this to me because I did not want to be the primary owner of this loan. This is not right especially since I do not drive this car. In my opinion this is another form of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I was forced to shut my business down due to the COVID 19 virus, XXXX XXXX ( XXXX XXXX ) was deemed nonessential by our county commissioners that made their own decisions by an order left vaguely open by Governor XXXX orders to determine whom was essential and nonessential employees or industries. 
I didnt want to fall behind on a couple of credit cards with large balances. One being XXXX. I contacted XXXX and asked if they are offering any assistance so my account does not fall behind. The women I spoke with was through a call center. For what I could understand is yes they are offering a lower payment scale and it will keep my account current as long as it is drafted out of my account automatically on a day that works for me over an 8 month period so I choose the XXXX, my original due date has always been the XXXX of every month. My original payment was {$140.00}, and as you pay the balance down the payment goes down. The representative and I discussed and agreed to split the payment in half ( {$70.00} ). As months went on and dozens of phone calls to XXXX, certified mail demanding they fix the missed payments that were in fact made on time and impossible to be late as it was auto drafted monthly. Dozens of disputes and calls to XXXX, Transunion, and XXXX and XXXX, Ive gotten nowhere. 
Ive sent copies of my payments and a 609 letter to all 3 bureaus including XXXX with fail. Please please help me fix this problem. Im trying to buy a house and with these frivolous missed payments its really hurting my payment history.
Product: Credit reporting or other personal consumer reports

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Product: Checking or savings account

I sent in total {$3000.00} using XXXX via my capital one banking app. I was pretty much scammed out of what I thought were concert tickets. 

On XX/XX/XXXX I sent {$1500.00} to a XXXX XXXX at XXXX. 

On XX/XX/XXXX I sent XXXX more payments to this person. XXXX totaling {$500.00} and the the other for {$1000.00}. 

This person misrepresented XXXX XXXX and his relationship with XXXX XXXX he convinced us he could get us concert tickets for the XXXX XXXX XXXX and it was all a lie. 

I dont trust capital one to handle this investigation accordingly, I have all documents proving my claim. Any and all assistance I can get from you guys would be amazing. I want to get me and my friends money back. 

I also filed a report with the FBI which Ill include in this email and text from the person who claims they arent in on this and didnt know their account was being used to funnel money.