23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To Whom It May Concern, I am writing to formally dispute your claim that the time period to respond to the loan deferment paperwork has expired. I never received the paperwork due to it being mailed to an incorrect address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, which is the physical property address, not my mailing address. As of the evening of XX/XX/year>, your agent confirmed that I am now enrolled in paperless billing to prevent any delays or miscommunication in the future. 

The agent also confirmed that the correct mailing address on file has been updated to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Unfortunately, during the time I was expected to receive the deferment paperwork, mail continued to be sent to the physical property address ( XXXX XXXX XXXX XXXX despite multiple prior requests to direct all correspondence to the correct mailing address at XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

This failure to update and honor the designated mailing address has had a direct and harmful impact on my ability to respond in a timely manner. As a result, I was unaware that a deadline had passed and was unable to take appropriate action. If any correspondence was correctly sent to XXXX XXXX XXXX in XXXX, it may not have been received or opened promptly due to illness in the household at that time. 

Additionally, mail delivered to the physical address was only retrieved at a later date, further compounding the delay. It is critical that SPS ensures future communications are sent only to the proper mailing address, as continued delivery to the wrong location puts my household at serious risk of further miscommunication and hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have respectfully requested for XXXX, TXXXX and Equifax to remove bankruptcy on my credit report. 

It appears that XXXX has removed Bankruptcy from my credit Report. XXXX has not sent me a verification of bankruptcy removal.
Product: Credit reporting or other personal consumer reports

XXXX  used deceptive practices and issued a travel package. When we arrived to our transportation we were told it was over booked. 

XXXX refunded only the transportation and refused to cancel or refund the hotel in a different state. 

XXXX told me they would launch an investigation and get back to me within XXXX  days and never got back to me. 

Affirm assured me that if XXXX processed the refund I would be clear of making payments when I made them aware. 

Upon checking with XXXX in the XXXX  days period they said they had no record of an investigation, and were refusing to issue a refund because of the time that had past, resulting in a default payment of XXXX  days on my affirm account.
Product: Debt collection

I have paid mid land credit management and it was removed from my credit report however they say they didnt receive payment? They want me to pay twice. It was removed from my credit report and they want me to still be obligated
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX Subject : XXXX XXXX XXXX, I am writing to dispute a collection/charge off on my credit report, which is inaccurately reflecting a debt that has been reported as income. This charge off, reporting on my Equifax, XXXX and XXXX Credit Report by your company XXXX XXXX evidenced by the attached page from my report is incorrect and violates consumer protection laws per 15 USC 1681. Where you are bound to report accurate information.

The Internal Revenue Service ( IRS ) ; Publication 4681, considers a charge off as a " certificate of indebtedness, '' or reportable income. Income can not be reported on a consumer credit file partly or fully when such has been considered income. According to IRS guidelines, canceled or forgiven debts are considered as taxable income, and for which a Form 1099-C must be issued. Since your Company failed to issue Form 1099-C, one has been generated, issued, and accepted by the IRS which cancels the debt with the creditor.

In my case, a Form 1099-C was filed and accepted for the debt in question, indicating that the debt has been forgiven and is considered income. Since the debt has been legally forgiven and recognized as income, the charge-off on my credit report is inaccurate and should be removed immediately. 

I am requesting that XXXX XXXX within the next 15 calendar days from the date of this letter rectify this inaccurate collection/charge and immediately delete it from your database. You are also to immediately delete the charge-off from my credit report as required by the Fair Credit Reporting Act ( FCRA ). Please be aware that at the expiration of the 15 calendar days, should I not receive your confirmation that this issue has been rectified, I will be forced to file complaints with the Consumer Financial Protection Bureau. 

Thank you for your prompt attention to this matter. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account was closed back in the fall of XXXX. However XXXX has yet to charge off account. They continue reporting to credit agencies that the account is past due negatively impacting my score when its been closed for 7 years. I disputed it with XXXX and the credit reporting agencies but nothing ever happens. When asked them to furnace transaction history they have never sent me anything. This account violates my rights. They are committing fraud by continuously changing the dates reporting. Please remove from credit report
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth XXXX XXXX  This complaint has been submitted to the CFPB to request, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, XXXX, and Equifax block the fraudulent information on my consumer credit report within four business days of receiving this notice. The fraudulent, inaccurate, and false information includes the following accounts : An auto loan opened with XXXX XXXX on XX/XX/XXXX A bankruptcy XXXX  XXXX filed on XX/XX/XXXX These fraudulent accounts have led to several unauthorized hard inquiries and collection items appearing on my FICO credit report. I have attached a copy of my FICO credit report from XXXX that reflects these fraudulent accounts. 

I do not recognize any of the accounts, collections, or hard inquiries listed above, as they were not opened, initiated, or authorized by me. All these items are the result of identity theft and fraud. Enclosed is a copy of my FTC Identity Theft Criminal Complaint ( # XXXX ) as evidence from the Federal Trade Commission confirming that the accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I am writing this complaint against Capital One. Capital One is the worst company towards millions of its customer during this current global pandemic. Capital One only has telephone representative and the wait time is over an hour every time I called their telephone service. As of now, I still have not been able to talk to a live employee of Capital One over the phone. This is the worst. 

Compared to other companies like XXXX, XXXX, XXXX, they all have email customer service support and chat, even their telephone representative were super heavily busy. All I needed was to send them an email and their employees wrote me back in two days at the latest. Capital One still does not have chat or email support during this global coronavirus pandemic-worst of all. 

Before this global coronavirus pandemic, Capital One has employees all over the world answering their telephone calls 24 hours a day. What is wrong with their employees in different countries now? why the phone lines is always over an hour wait now?
Product: Mortgage

Ive been with Mr Cooper home mortgage for over 6 months. Ive not once gotten a bill called several times to get one. Beginning of 2020 they went up due to there miss calculation on escrow it went up. Well heres another problem I dont get bill so only reference I have is I keep copying the slips they gave me at closing. I was short this month. Got call last week about that on Saturday paid that. Then they get call this week on Saturday saying I was short again. Ive pleaded with them to mail be a bill. They will not do it unless I call and ask them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information such balance owed, and charge off date and date the account was officially opened!! Also the {$490.00} balance is not what was owed when they said this account was charged off!! This information is inaccurate and I want documents bearing my signature showing I owe this debt to XXXX XXXX! I keep disputing and XXXX, XXXX, Equifax saids that things were updated non related to my dispute!! I Demand documents bearing my signature showing I owe XXXX XXXX this debt!! I have sent out certified letters to them and I received itemized bill! you will not fool me with itemized bills!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 an account without my written instructions
Product: Debt collection

The landlord had me living in conditions that were not livable and they landlord refused to make repairs to the property. The property was condemned by code enforcement and we were told to vacate immediately as the property was full of mold and mildew; jeopardizing our health and safety. The XXXX of XXXX XXXX notified the owners of the property and they were cited.
Product: Credit card

I was checking out at the At Home store located at XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX and the man checking me out attempted to sign me up for a store credit card without telling me he was doing so. I was purchasing a lamp that had clearly been opened and he mention that due to the shape of the box and the lack of having any others in the store he should be able to discount it 10 %. He then asked me for my drivers license and hit a prompt on the computer that created a prompt on the card machine. The prompt on the card machine said something about applying for a credit card. I asked him about the prompt and said I dont not want to apply for a credit card. Despite me making this clear he went on to say that I dont even have to use it, I can just get a discount and that it is a soft hit on my credit if that is what I was worried about. I expressed again that I did not want a credit card, that I do not open store credit cards for discounts. He then proceeded to give me a 10 % discount anyway due to the open package without applying for the credit card ( any mention of a discount was always his idea and was never requested by me despite how the condition of the package was ). He never made it clear to me that he was applying me for a credit card. I am used to regularly turning these type of cards down and would have had no problem saying no thank you had he mentioned it. I am XXXX XXXX XXXX, have shopped a lot in my life, and have never had a situation like this before. The man was very weird and uncomfortable throughout my time at the counter but clearly was not being straight forward. My receipt shows XX/XX/year>, XXXX, {$120.00}, XXXX XXXX, retrieval number XXXX, barcode XXXX. I do not know his name and it is not on my receipt. The man had little to no hair, was probably in his late XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. Upon checking my credit report on XX/XX/2019 I noticed that XXXX XXXX XXXX is listed as a dad debt on my credit report with the amount of {$19000.00} I have never owned or leases or signed any documentation to this company in my life. I recently filed a identity theft report and submitted all documentation to XXXX XXXX XXXX and all three credit bureaus transunion XXXX and XXXX. On XX/XX/2019 I recieved a letter from transunion notifying me that XXXX XXXX acceptance did an investigation and the account was added back to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LVNV FUNDING LLC XXXX, XXXX Debt Validation, Cease and Desist, and Request for Assignment Contract Dear LVNV FUNDING LLC, I am writing in response to your recent communication regarding an alleged debt associated with account number XXXX. 
Please consider this letter a formal request for the following : XXXX. Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide valid documentation to substantiate the existence of this debt, including but not limited to : The original creditors name, The amount of the debt, A detailed statement showing the charges and any interest applied, Proof that you have the legal right to collect on this debt. 

XXXX. Cease and Desist : Effective immediately, I request that you cease all communication with me regarding this alleged debt, whether by phone, email, or mail. Please note that this request is made pursuant to the FDCPA and applies to all future communication, unless required by law or a court order. 

XXXX. Request for Assignment Contract : If you claim to be the assignee or holder of this debt, I request a copy of the original assignment contract or agreement that grants you the authority to collect this debt. Please provide this documentation for my review. 
Please be advised that failure to provide proper validation or documentation within 30 days of receipt of this letter will result in my assumption that this debt is invalid and will be subject to dispute. Furthermore, any continued attempts to collect this debt without providing the requested documentation may result in legal action. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with ( XXXX, Equifax, XXXX XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past.

I strongly believe that they are in violation of the Federal Credit Reporting Act, ( FCRA ), and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

Someone ran my credit for auto loan without my permission.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX AUTO - XXXX, XXXX CARD - XXXX, "
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$70.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX Balance : {$9900.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit card or prepaid card

American Express mailed me a solicitation to apply for the American Express Delta SkyMiles Card. The  solicitation promised XXXX bonus miles if I was approved for the card and spent {$2000.00} on the card. 
I responded to the solicitation, applied for and was approved for the card. Then, as induced by the solicitation, I made a financial transaction in excess of {$2000.00}. 
I was then granted XXXX bonus miles, instead of the XXXX promised. I contacted the company and they said, Oh, your offer was only XXXX. 
I still have the original offer in my possession. I have provided a copy of it to American Express but to no avail. 
I believe American Express used a bait and switch scheme to fraudulently induce me to make a financial transaction in excess of {$2000.00}.
Product: Credit reporting or other personal consumer reports

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Product: Checking or savings account

On XXXX XXXX, someone used my Navy Federal debit card for the amounts of {$190.00} & {$220.00} to a XXXX XXXX. This was an unauthorized charge. I had the debit card cancelled but this morning someone attempted another fraudulent charge and it was declined.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX have 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 an account without my written instructions.