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

RE : Improper filing of 1099-c form- I am writing to address the lack of response to my previous notice regarding the request for a copy of the 1099-C filed for the charged-off debt. XXXX  XXXX XXXX failure to provide a response leaves me no choice but to assume that you have neglected to comply with XXXX law by not filing a XXXX as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX XXXX XXXX XXXX IRS for XXXX XXXX XXXX using Form XXXX if prompt action is not taken. 

Furthermore, it is imperative that you notify XXXX, XXXX, and Equifax to delete this information from my credit report immediately. The accounts in question is detailed as follows : XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX As per IRS regulations XXXX a canceled debt of {$600.00} or more necessitates the filing of a XXXX form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. 

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a XXXX form, or any attempt to conceal such actions, constitutes inaccurate reporting. XXXX is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. 

Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX XXXX, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. 

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the XXXX XXXX  XXXX XXXX, accountable for willful noncompliance under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements XXXX be liable for damages sustained by the consumer. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the TransUnion, XXXX and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Debt collection

I'm renting a home with another person. I received text from my roommate saying that XXXX XXXX XXXX XXXX has called her multiple times asking for me and my location. I contacted them and told the representative that it was inappropriate and it violates confidentially agreement. I also have the voicemail & text messages to prove this incident. 

The company 's information is below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I asked for validation from XXXX XXXX XXXX and methods of validation from XXXX, Equifax, and XXXX. NO ONE PROVIDED ME ANY PROOF THIS IS MY DEBT. I submited a complaint with XXXX to have XXXX XXXX provide validation of debt. They refused. Then asked the bureaus for methods so I could see what the debt was for. This needs to be deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

These accounts have not been removed from my name even after required documentation was submitted. FTC REPORT and Identification is attached. I am a victim of identity theft.
Product: Debt collection

The original creditor account was opened XX/XX/XXXX which was XXXX XXXX. The debt was charged off. They have the wrong information. The debt was sold to Portfolio Recovery and they are reporting the debt was opened XX/XX/XXXX. They are reporting this as a new debt and it is not which is a violation. I have disputed this with Portfolio Recovery to no avail I have not received any communication from them. They do not have a contract or any binding documents and have yet to validate this debt. I asked that it is deleted from my credit report due to the violation of my rights.
Product: Student loan

To Whom This May Concern, Hello my name is XXXX XXXX and I have a private student loan through XXXX XXXX which I am having trouble paying at this time. I am in the midst of a career change and just moved to New Jersey on XX/XX/2019. So, I am currently working as a XXXX  until I am able to get a career job as a XXXX. My income is very unstable at the moment. I am in a unique situation in that I don't speak to my co-signer, and she is not responsive to the company after numerous phone calls and emails. I was told by a loan resolution specialist that they would review only MY income to change the loan and give me a new payment that is more manageable for the time being. However, when I called back multiple times to share information, the representatives questioned my career choices, and continued to shame me into not being able to afford " only '' a {$110.00} payment a month. Furthermore, she told me that they would NOT be able to help me and would not move forward with my case until they received my cosigners income as well, whom they've been unsuccessful with already in the past. I am trying to work on my credit and maintain good standing with my debts, and I feel XXXX XXXX 's " customer service representatives '' were not interested in offering me any type of help with this unique " grey area '' situation I am in. Thank you in advance. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX, has violated my rights. 
Account # XXXX, has violated my rights. 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 instruction. 

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

XXXX XXXX XXXX account XXXX is inaccurately reporting information to the credit bureaus. A letter was sent to the 3 major credit bureaus requesting that that verify the tradeline XXXX XXXX XXXX was reporting. The investigation came back as accurate. I have no idea how this is possible. 

1st. The high balance is different on every report. XXXX  is reporting a high balance of {$460.00}, while Equifax & XXXX  isnt reporting a high balance at all. How can the tradeline be valid if its not reporting the same with every bureau. 

2. The date of last activity is different on every report. XXXX  has a XX/XX/XXXX date of last activity. XXXX  has a XX/XX/XXXX date of last activity & Equifax has a XX/XX/XXXX date of last activity. Again, how can XXXX be reporting accurately if its not reporting the same with all 3 bureaus.

3. The payment history is different with every bureau. XXXX  shows that the account was charged off in XX/XX/XXXX but then shows payments from XXXX but then shows charge offs XX/XX/XXXX & XX/XX/XXXX. How is this even possible?? If the account charged off in XX/XX/XXXX how are payments able to be made in XX/XX/XXXX all the way to XXXX of XXXX? Makes no sense. Equifax doesnt even have a charge off reporting and XXXX  doesnt have any payments reporting at all. 

Theres no way XXXX XXXX XXXX can truly say they are we reporting accurately when EVERYTHING is different on each credit bureaus. Im demanding that the entire tradeline be deleted!
Product: Credit card or prepaid card

In XXXX of XXXX, I made two hotel bookings for travel to XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). 

I booked at the XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX ). 

In both cases, I used my Chase Sapphire Preferred card and the Chase Travel Portal to book a breakfast-included rate. I paid extra for this rate through Chases Travel portal. 

I have had issues with this in the past. I had previously booked a breakfast-included rate through Chase Travel for a trip to XXXX, XXXX. On this trip, the hotel desk clerk and I had difficulty locating the included breakfast information. We were able to resolve it without contacting Chase. 

However, this time upon check-in the hotel informed me that breakfast WAS NOT included in my booking. When I asked about the trip to XXXX ( of which I am certain I booked the breakfast included rate ), the Chase Travel advisor told me that they had no record of booking a breakfast inclusive rate. 

The supervisor ( XXXX ) was pedantic and condescending throughout the entire conversation - at one point stopping to clarify to me that it wasnt her specifically who charged my credit card. I actually stopped and said wait, maam, are we actually doing this? Are you actually being that petty? 

XXXX refused to help me without proof of the rate. I have spent over $ XXXX with Chase and paid it off entirely in the last six months. I wont argue for {$200.00} - I will simply take my business elsewhere unless Chase credits me back the cost of breakfast at these two hotels ( {$140.00} at the first and {$140.00} at the second. ) Chase Travel is charging a higher rate for a breakfast included room and then gaslighting customers into believing that they must have booked a different rate. Its entirely a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was co-signed for my friend who bought the new motorcycle from Harley Davidson in XXXX Texas since 2019 XXXX. Unfortunately my friend did not pay few times on time and it affected my credit record. The dealership did not tell me the co-signed meanings for details. I didnt get any documents for purchase when I signed up for the contract. My friend also was not honest with me and paid the bill on time ( $ XXXX month ), now the total balance is around {$10000.00} left for his bike. Dealership just told me that co-signed can help my friend to build up his credit and sales manager really pushed me to sign the contract for my friend. I have been cheated by dealership from sales person. Now I want Harley Davidson finance service to remove my co-signed. I also paid two times for my friend for late payments about ( {$800.00} )! I swear XXXX I never know what the co-signed means when I know it is risk to me was too late. Now I just want your help to remove my co-signed from Harley Davidson dealership. Currently my friend will continue to pay his bills because he has job and still can build up his credit! It is not necessarily to keep my bad feelings! Its really affected my credit! I really appreciated it! 
Sincerely!
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that my identity has been stolen and this person has been trying to get credit in my name. I went to a car dealership and found out there are multiple inquiries on my credit report that are unknown to me. I was asked to contact these companies and I did. Almost all of the companies I've never heard of in my life. I asked them to send me copies and proof and signatures giving them permission to pull my credit report. Some said thats not the law and some said they will send it ... .Its been years ... .nothing yet. 

XXXX ... .XX/XX/2016 XXXX XXXX XXXX ... .XX/XX/2016 XXXX XXXX ... .XX/XX/2016 XXXX XXXX XXXX ... .XX/XX/2016 XXXX XXXX XXXX  ... .XX/XX/2016 XXXX XXXX XXXX  ... ... XX/XX/2016 I never applied for any XXXX XXXX cards at any of my old addresses .... 
I had just a car loan from XXXX  XXXX ... .and never missed a payment. 
I have 2 XXXX  XXXX cards at this moment in good standing and just received a credit line increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. 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 instruction. 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: Mortgage

Dear LoanCare Mortgage Insurance Dept : Loan Number XXXX I am requesting to cancel my private mortgage insurance. The monthly PMI on my loan is {$140.00}. My current balance is {$490000.00}. 

I have included documentation to support how I know that the equity in my home has reached or exceeded 20 %. The median selling price for my property is {$630000.00} and the average selling price {$620000.00}. 

Please see attached a comparable market analysis completed on my home with comparables recently sold on my street. All homes were built by the same builder and are 4 bedrooms, 3.5 bath homes on residential lots within walking distance. Please review in particular pages 11, 12, and 13 for quick reference. 

Please email correspondence to XXXX and mail to XXXX XXXX XXXX XXXX XXXX, TX XXXX. Please see the XXXX attached. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX BALANCE - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report an found various fraudulent accounts, it is ruining my credit and my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

The business I was working for " XXXX XXXX XXXX XXXX '' purchased a property via XXXX XXXX. The business closed and XXXX incorrectly reported the file on my credit report. I filed a dispute with the credit bureau. They have yet to remove this information from my file. I also spoke with XXXX of XXXX who advised me that the information would be updated. However, there hasn't been any changes to my report after disputing it 5 times.
Product: Consumer Loan

I had a financial emergency for which I took out a title loan on my XXXX. I have been self -employed my business was doing well enough that I was confident that I would be able to pay the payments on the monies I was given. I then woke up one morning unable to feel the right side of my face and unable to speak correctly and could not see out of my right eye I have been diagnosed with XXXX and have to have in home health care services to assist me in getting dressed and driving me to where ever I need to go such as doctors appointments I also have a minor child who needs to get to school. my business has greatly suffered due to my condition which my doctor says is caused by the serious accident that I was in to which I was nearly killed for which i sustained multiple injuries one being a XXXX that was never addressed with my medical treatment. I wrote a letter to XXXX at Trading Financial Credit to explain my situation and that I could only send them {$300.00} per month which would only be for a few weeks until I got my settlement money to pay off the loan I even attached a check for {$300.00} with the letter..I made XXXX payments XXXX for XXXX and XXXX for XXXX I had not heard from the company so I was relieved that they were in agreement to accept my payments.On XX/XX/XXXX a tow truck showed up at my place of residence to repossess my XXXX .I did not surrender my vehicle it is still in my possession.I called Trading Financial Credit and spoke to a woman in the recovery department who told me that I had been sent via email 2 notifications XX/XX/XXXX and XX/XX/XXXX to which i stated to her that I check my emails daily and there were no emails from them notify me that my car had an order of repossession. she proceeded to tell me that in order to get my account current I needed to give them {$1200.00} and that in 12 days it would be {$2000.00} so I should just give them the {$2000.00}. she stated that if i was in bankruptcy status that would be the only way i could keep my car. i spoke to 2 different bankruptcy attorneys and was told i would still lose my car. On XX/XX/XXXX I spoke to a XXXX who is the Servicing Manager to once again explain my situation to which I was told he did not care and that in order for the repo order to be removed he wanted me to pay on XXXX XX/XX/XXXX {$340.00} via XXXX and once I gram and once I gave him the transaction number he would remove the repo order but it would only be for 2 weeks after the 2 weeks i had to pay {$890.00} or the repo order would be in effect again. they will not work with me for only a few weeks thats all I am asking until my settlement comes to allow me to pay the {$300.00} to them and not repo my vehicle but they are strong arming me to come up with money i do not have.
Product: Checking or savings account

Charges are hidden from my transaction list, until the charge is posted. It is deceptive from whats actually in my account. This has caused me to have number outs over draft fees. This isnt like a tip that you dont seem until the transaction post, because you can still see the price you pay for the food. Its not like a gas charge that shows {$1.00}, then the whole {$50.00} post. There is no transaction then all the sudden, I see my money is gone and transactions that are mine are reflected when they previously were not. The available and current balances reflect the same.
Product: Prepaid card

Cashed my check from a prepaid bank XXXX at check cashing place and had XXXX put on netspend card. Got home and they ( netspend ) would not allow me to activate card and tells me they will give me a check in 7 days. Then the next day they said 15 days and the next day 21 days. This is not cool just as fast as they got my money the should be able to send me my money since they wont open account. I asked for over nite service i even told them to take out of check. They said no, i need to pay rent and now im gon na lose my home becuz of them
Product: Money transfer, virtual currency, or money service

I created a paypal account and got it verified. I was new to paypal and didn't knew much about business account/personal account. 
Initially it was set up as a personal account but I wanted the paypal to act as a payment method for my freelancing sO I thought it should be categorised as business account and I changed it from personal to business account got it set up with bank and all etc. It said now my account is ready to use it was after 4 days of account creation. 
Just to check whether my account is working or not I asked my friend to send me some money on paypal and I requested him for XXXX but then just instantly I got a mail saying 'you can no longer do business with paypal ' I tried contacting the customer service but they were like 'Our decision is final " I haven't even done anything suspicious but still blocked me from PayPal entirely and now they don't even want to hear my side of the story.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are to remove all personal information that is incorrect, formerly known as names except XXXX XXXX XXXX XXXX, employers, social security # information due to privacy concerns and my right to individual privacy and the privacy act of 1974 along with 15 USC 1692 of FDCPA, all addresses are to be removed except for address of XXXX XXXX XXXX XXXX XXXX Michigan XXXX you are to delete date of birth due to privacy issues immediately. You are required to remove any medical information by XXXX XXXX XXXX XXXX XXXX XXXX due to being sold to 3rd party and sharing my private medical information without my consent which you know the law passed this year requires you to not furnish medical information on a consumer. Lastly i need the consent form from you that shows i consented to have my private information given to a third party to be resold for advertising purposes between you and XXXX XXXXXXXX XXXX If you can not produce such consent form that is required by you then you must remove said item from credit report and under State law the statute of limitation has expired on such alleged debt and i am demanding you remove said collection from my consumer credit report.
Product: Credit reporting, credit repair services, 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 Collection account from XXXX XXXX with account # XXXX and a balance of {$5900.00}. The original creditor is XXXX XXXX. 

I am being denied credit because of XXXX XXXX falsely reporting to Experian and XXXX XXXX.
Product: Debt collection

This company NCC is reporting a debt for {$460.00} on my credit report with XXXX thats I do not owe. I r never had an contract with NCC Business Service. I have reached out to them several times. i have signed a afadavit they sent me stating its not mines. They still have yet to remove this from my file. This has negatively affected my score for months. I need this removed ASAP. Ive never had no business with them.