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

The status of these accounts reporting is an inaccurate account, from dates when the account was open, reported dates, dates of last active, date of last payment, and reporting charged off which is a violation of 15 U.S. Code 1681e ( b ).

If a company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.

Also, 1099-C must be mailed to consumers. I did not receive anything which is a violation. As defined by the IRS, even if you didnt receive a Form 1099-C, you MUST report Canceled Debt as gross income on your tax return, according to the IRS. For an account to be Charged Off, the debt had to have been Canceled. Canceled Debt must be reported as Gross Income on a tax return. Its illegal to report income to my consumer report.

Companies that mark accounts as charged off take advantage of 1099c forms and deem it a profit loss, meaning they collect from the IRS. It is illegal to collect from the IRS and still attempt to collect from the consumer/individual. The reported balance of these accounts is inaccurate and the agency is to comply by blocking and deleting these accounts from my reports as they do not, and never have had my written consent to report these listings ( Violation of 15 USC 1681b ).
Product: Credit reporting or other personal consumer reports

I am deeply frustrated and concerned about the security of my personal information. Repeatedly, I have noticed information appearing on my credit report that is not mine. It is both alarming and disheartening to find accounts and details that clearly belong to someone else mistakenly linked to my report. This ongoing issue has caused me significant stress, leaving me to question how securely my personal information is being handled.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX, XXXX XXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Product: Checking or savings account

Hello on XX/XX/ I once again attempted to check my account online and yet again same issues. I have not been able to use the mobile app are the internet app for PNC bank since the account has been open now for 1 year I have call over and over again to just get excuses. I there a service that I should have access to why is it the bank can not figure it out I have been dealing with this a full year. The IT department has not reached out to me are attempted to correct the issue that is truly on their end. This need to be corrected and stop giving accuses. The PNC system says it does not recognize me ; I am only able to check my account through their phone voice banking. A consumer to not be able to check their account with the services that are offered.
Product: Debt collection

Midland Funding was listed XXXX on my credit report, XXXX in collections and once in public records. I think I was able to remove them from public records but unsuccessful to remove them in collections. 
Also, kindly note that this account started as XXXX XXXX card and sold multiple times. It has been paid in full. 
Please, be so kind as to help me to remove this from all XXXX credit bureaus. In both collections and public records. Thank you in advance for your help.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for all these violations
Product: Credit reporting or other personal consumer reports

Dear TransUnion/XXXX, I am writing to express my deep frustration and concern regarding the handling of my dispute related to the XXXX XXXX account ( Account Number : XXXX ) on my credit report. I have now sent three rounds of disputes to your bureau regarding the inaccuracies on this account, and each time, the account has come back as " verified '' without any corrections being made.

Summary of Dispute Attempts : Round 1 : I disputed the XXXX XXXX account, pointing out clear inaccuracies. After waiting for your investigation, I found that the same errors remained on my report. No changes were made.

Round 2 : I submitted another dispute, again asking for a procedural investigation into the XXXX XXXX account. When I reviewed my report after this round, the inaccuracies were still there. Again, nothing was corrected.

Round 3 : I sent yet another dispute, with the same request for a thorough investigation into the errors on my report regarding the XXXX XXXX account. Yet, after this third round, the inaccuracies remain. There have been no adjustments, corrections, or explanations provided. 
Specific Inaccuracy : The payment history on this XXXX XXXX account shows continuous charge-offs ( " CO '' ) for XXXX, XXXX, and XXXX, despite the account being reported as closed on XX/XX/XXXX. This is a blatant inaccuracy, as an account that was closed in XXXX should not have charge-offs listed for subsequent years. 

My Demands : It is clear to me that your bureau has failed to conduct a proper investigation into this matter, as mandated by the Fair Credit Reporting Act ( FCRA ). You did not perform your due diligence, and the inaccuracies on my report continue to harm my credit standing. 

I am demanding the immediate deletion of this XXXX XXXX account ( Account Number : XXXX ) from my credit report. The repeated failure to address these inaccuracies shows a lack of fairness in your reporting and investigative processes. 

Please take this matter seriously and provide me with written confirmation that this account will be removed from my report. If you do not comply with this request, I will have no choice but to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing further legal action if necessary. 

CC : CFPB
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. The current account has been paid in full as of XX/XX/year>, and should be deleted from my credit report immediately. Here is the item I am asking you to verify as accurate. 

XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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'm feeling troubled, unhappy, and XXXX regarding the developments in my credit eport. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.
Product: Mortgage

Since XXXX, our property has been refinanced three ( 3 ) times with various mortgage lenders with each lender certifying as part of the loan closing process that flood insurance was not required as the property was not located in a SFHA. 

Most recently, our property was refinanced with XXXX XXXX XXXX ( XXXX  ) and the loan closed on XX/XX/XXXX. The loan was then subsequently transferred to AmeriHome Mortgage for servicing on XX/XX/XXXX. As part of the loan closing process, XXXX certified XXXX flood certification # XXXX XXXX that the property was not in a SFHA and hence no flood insurance was required this certification was less than two months ago and is reflected in our closing documents. AmeriHome Mortgage cites Please see the information below in chronological order : - My property was refinanced and closed with no issues on XXXX with XXXX XXXX XXXX XXXX XXXX " XXXX '' ) - On XXXX, I received a " Notice of Service Transfer '' stating that the new servicer of the loan is AmeriHome Mortgage Company , LLC ( " AmeriHome '' ).

- On XXXX, I received a letter from AmeriHome requesting proof of flood insurance. 
- On XXXX, I received a notice from AmeriHome stating that flood insurance was required for the property since it was in a Special Flood Hazard Area ( " SFHA '' ) and that the notice was considered as an attempt to collect on a debt. 
- On XXXX, I responded to AmeriHome via certified letter that there was an error and that the property has not been in a SFHA since XXXX based on a new FEMA FIRM being issued and notification from my mortgage bank at the time, XXXX, that flood insurance was not required as the property was removed from the SFHA. 
- On XXXX, I received another letter from AmeriHome stating again that flood insurance was required without response to my certified letter. 

Bottom line, a mortgage loan was made to me in XX/XX/XXXX and as part of the closing process, certified that flood insurance was not required. Two weeks later, a new servicer states otherwise which is suspect and in my mind appears to be a money grab and violation of Federal law in that due diligence was / should have been conducted during the closing process prior to providing the loan and certainly, if this issue was outstanding, kicking it down to a new servicer
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up response from my original complaint with CFPB # XXXX This complaint was originally filed XX/XX/2022. I have been waiting over 7 months for a response. I have suffered great hardship from the failure of Experian to respond. I had no choice but to file a complaint with the CFPB. 

These are the files that were disputed on XX/XX/2022 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Last Active XXXX XXXX XXXX Date Opened XXXX XXXX XXXX Date Of Last Payment XXXX XXXX XXXX Last Reported XXXX XXXX XXXX Date Last Active XXXX XXXX XXXX XXXX XXXX Date Of Last Payment I have also attached a copy of my Credit Report from XX/XX/2022 and a copy of my original disputed letter. 

According to the FCRA Law under section 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) ( 1 ) ( A ) it states : In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Also section 611.Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) ( A ) ( i ) ( ii ) XXXX ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Trying to resolve an on going issue now that has been disputed over 7 months ago is Illegal! If I would not have contacted the CFPB, I still would have not gotten a response for my original dispute which is obviously over the 30 day time frame allowed by the FCRA. All accounts disputed are attached and by law needs to be deleted immediately! 

As you can see Experian clearly broke the law and disregarded the rules and regulations under the FCRA. I have included a copy of the disputed letter sent to Experian on XX/XX/2022, as well as my credit report before and a report 7 months later with no changes until now.
Product: Credit card or prepaid card

I used my PayPal account linked to my XXXX XXXX card to purchase a {$0.00} person lookup through XXXX. I looked over everything and no where on any information provided did it say I was signing up for a {$29.00} monthly plan. After I entered my credit card I received no results were found on the person I looked up, then found out 2 months later I was being billed ongoing for a service I never agreed to. I went into PayPal and canceled the ongoing payments, and immediately disputed this, and contacted the XXXX  and XXXX XXXX. Both PayPal and XXXX have replied I didn't provide them with enough documentation so they denied my claim and my refund. How on earth do you prove a negative. I demand for them to prove I agreed to this and received anything of value and they are not performing their responsibility. The legal burden of proof is on them to show where I agreed to this contract. Please help me to enforce my rights on both these companies and hold them to their agreed responsibility.
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  : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : DEPT OF ED / XXXX : Account XXXX Account Name : DEPT OF ED / XXXX : Account XXXX Account Name : US DEPARTMENT OF EDU : Account XXXX Account Name : US DEPARTMENT OF EDU : Account XXXX Account Name : UNKNOWN : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX 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 card

I was paying my account on time and with no delinquencies. I was the victim of internet fraud and theft by deception. After American Express agreed to restore my credit limit, they reversed again
Product: Credit reporting or other personal consumer reports

recently I look at a copy of my credit report and i noticed several inaccuracies on my account. This account is hurting my ability to obtain credit.it is my understanding that will investigate these items for me to ensure accuracy. Here is the item i am asking you to verify as accurate XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report in XX/XX/2021, I noticed these accounts are still being reported inaccurately. I have sent correspondence disputing this inaccurate information on XX/XX/2021, and XX/XX/2021. I HAVE REPORTED TO EQUIFAX THAT PER THE FAIR CREDIT REPORTING ACT, XXXX XXXX HAS FAILED TO PROVIDE ME WITH A COPY OF ANY VIABLE EVIDENCE, BEARING MY LIVE SIGNATURE OR A COPY OF MY SIGNATURE. I have never done business with XXXX XXXX, nor have I signed any contracts with this company. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a Consumer 's Credit Report. I am requesting XXXX XXXX delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus Equifax and XXXX directing them to REMOVE this erroneous entry as well. 

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX {$1500.00} Acct no. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX {$1600.00} Acct no. XXXX
Product: Mortgage

On XX/XX/year>, Rocket Mortgage sent final settlement paperwork to review and select a settlement date. When reviewing the closing costs, I asked why we were being charged {$3000.00} for a discount program. We contacted XXXX, our loan officer, who advised it was the price for our interest rate. I advised that rate buy downs were not discussed at any point during the process. We were advised on XX/XX/year>, by XXXX, that our rate would be 9 % and potentially lower if our appraisal reflects a lower LTV position. We were contacted by another representative on XX/XX/year> that our appraisal came back with a higher value than anticipated and qualified for a lower rate of 8.75 %. They offered to change the loan to increase the amount to borrower due to the higher value and more money available to lend. We declined and the representative stated that was fine, they would update the interest rate in our favor. During the disclosure email, it was listed as a rate discount for - {$3000.00} and it was assumed that was an actual discount due to the fact that no one in the mortgage process ever once disclosed a fee for lowering the rate. It was always presented and verbally stated that we qualified for the lower rate based on our outstanding credit scores, positive equity in the home and term of the loan. After speaking with XXXX over the final settlement costs reflecting a charge for a rate buy down that was never discussed previously, XXXX stated it was just something you see on the disclosure that you signed initially. We rebutted with how it appeared to reflect as a credit and not a charge and its the lenders responsibility to ask if we wanted to partake in a rate buy down option. The specific wording used by all the staff was that we qualified for the rate we were quoted and there was never a discussion of charges for said rate. We were referred to management. XXXX XXXX called today to say that we signed the rate disclosure paperwork initially and we should have known what we were signing. This is a clear violation of Regulation Z and a perfect example of predatory lending practices by using unclear language, not discussing costs or fees with applicants appropriately, and unwilling to acknowledge when a mistake by the Lender has been made.
Product: Credit card or prepaid card

PayPal credit has not been mailing credit card statements only notified me by e-mail until this month. I paid all my payments on time except the XXXX payment. Once I realized there was an over due payment I paid the account in full. Pay Pal has assessed me with a late fees and interest charges of {$29.00}, {$33.00} and {$40.00} since I paid them in full on XX/XX/XXXX. I called them today and the consumer rep said would waive the last 2 charges if I agreed to pay the {$29.00} for the first late fee and interest charge. I want all the late fees and interest charges credited back to my account because they did not notify me in writing of the payments due.