23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Barclays Bank Delaware XXXX XXXX XXXX XXXX XXXX DE XXXX Account Number : XXXX Dear Sir/Madam, Subject : Third Request for IRS Form 1099-C I am writing to formally request a copy of IRS Form 1099-C for the debt associated with my account number XXXX. This is my third attempt to obtain this document. 
According to IRS regulations, creditors are required to provide this form when a debt is cancelled or charged off. As of now, I have not received the required documentation. The lack of this form is causing issues with my tax filings and financial records. Kindly ensure that this matter is addressed promptly. 
Please send the copy of IRS Form 1099-C to the address listed above or via email at XXXX. For your reference, my details are as follows : Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXX SSN : XXXX XXXX : XX/XX/XXXX I am also forwarding a copy of this letter to the Consumer Financial Protection Bureau ( CFPB ) and my attorney, XXXX XXXXXXXX XXXX XXXX  XXXX to ensure that this request is duly noted and expedited. 
I appreciate your prompt attention to this matter and look forward to receiving the requested form soon. 
Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

Citibank just, without my approval of any kind, " upgraded '' my account to XXXX. I assume this was done as a sales tactic as their support can not move my account back to my standard Citibank account. XXXX forces minimum deposits on customer in exchange for nothing. I didn't ask for it and do not want it. I have tried to resolve this, several times, with support and they can not do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look and remove finally this item because I am victim of Identity theft and only Transunion brought this account to my credit report. I can not understand why the only one Bureau Transunion reporting misleading information. I ask you to make investigation and protect me for having this kind of situations again. Why Do I need fight with you guys in order to have credit report with my accounts and without any mistakes? Why its so complicated? Its very important nowadays and I am very sad when I see errors in reporting and that Transunion doe snot pay attention to this.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received an email from XXXX, saying my account was restricted due to unusual activity. What usual activity? I am a student who funds my own portfolio with my hard earned money. Mind you I have never had more than {$1900.00} in my account. Now when I try to withdraw my money they will not let me do so. This is the biggest scam I have ever seen in my life, they are letting me deposit money into my account but are basically holding it and not letting me use my account for absolutely no reason this is ridiculous. They are deducting money from MY bank account but won't even let me withdraw it that doesn't even make sense.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting correctly. 
Theres a late payment shows The consumer reporting agencies need to report all information with complete inaccuracy. These accounts had not and never been late on payments. I have attached a copy of my report to this complaint and now I am requesting you to investigate this account block and delete immediately.
Product: Vehicle loan or lease

I recently settled an old balance I had with  XXXX   XXXX . Nea rly two months have passed, and they have yet to update the account properly on my credit report.
Product: Mortgage

I had a 2nd mortgage with Specialized Loan Servicing. This loan was purchased by Shellpoint. While with Specialized Loan Servicing I entered into a modification agreement with three trial payments. After making the third trial payment but before the loan modification was finalized the loan was sold. Now Shellpoint is refusing to honor the terms of the modification agreement and is insisting that I fill out " their '' forms and start the modification process again from scratch. I do not believe they are allowed to disregard the agreement I had in place with SLS. The first time I called on this matter they told me to just continue to make my modified payment while the documents catch up with the transfer of the loan. When I went to make the payment they refused payment, that is when they told me I must start the modification process over again.
Product: Mortgage

I am XXXX years old. I applied for a reverse mortgage with Wells Fargo Bank and they approved me. Shortly before closing they informed me they were getting out of the reverse mortgage business. I went on the open market and got approved again. Wells Fargo would not give a proper payoff amount and the reverse mortgage did not close. I applied and was approved by 2 other companies and again was not able to close due to a dispute over the amount owed.

I have applied for loan modifications on 8 times only to be denied. I have tried everything to save my home to no avail. I even sued Wells Fargo and the case went all the way to the U.S. Supreme Court, Washington, D.C. 
I simple want a reverse mortgage and to stay in my home. 
My loan # with Wells Fargo is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be deleted. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get omitted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Atter discovering negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, as these negative marks are damaging my credit and financial standing. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equifax breach and l am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
-INCORRECT ACCOUNTS LISTED BELOW- XXXX Name : XXXX  XXXX Account XXXX Date XXXX Reported Balance : {$500.00} XXXX Name : XXXX  XXXX Account XXXX Date XXXX Reported Balance : {$930.00} XXXX Name : XXXX  XXXX Account XXXX Date XXXX Reported Balance : {$370.00} XXXX Name : XXXX  XXXX XXXX  XXXX  Account XXXX Date XXXX Reported Balance : XXXX XXXX Name : XXXX  XXXX  Account XXXX Date XXXX Reported Balance : XXXX -ADDITIONAL ADDRESSES LISTED BELOW- XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX -ADDITIONAL INCORRECT NAMES XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, Provident Title sent final payment to Ally on my home loan totaling {$640000.00} when the outstanding principal balance of {$630000.00}. 
On XXXX, Ally sent a refund check from the escrow account of XXXX. 
On XX/XX/XXXX, I requested a reconciliation from Ally related to the final payment as the refund check was less than I was expecting. 
On XX/XX/XXXX, I received a payoff letter that showed interest through XX/XX/XXXX, even though final payment was sent XX/XX/XXXX. 
On XX/XX/XXXX, XX/XX/XXXX, and XXXX, I requested reconciliation of the final payment as the payoff letter was inaccurate. 
As of the filing of this complaint, I have not received a response from Ally regarding a reconciliation of the payment received by them on XX/XX/XXXX. Sufficient time has passed for this financial institution to provide an accounting of the mortgage and related escrow account. Ally 's actions are unacceptable and are indicative of embezzlement and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX  XXXX {$640.00} XXXX XXXX {$6800.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$13000.00} XXXX  XXXX {$600.00} XXXX XXXX   XXXX {$560.00}
Product: Checking or savings account

I mailed out letter, police report, and FTC report on XX/XX/20. It has now passed 30 days. No response from creditor. They are still reporting fraudulent information. Per FCRA they have to remove fraudulent account.
Product: Credit reporting or other personal consumer reports

Date : EXPERIAN XXXX XXXX Subject : REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY Inquiry made by : XXXX XXXX XXXX Inquiry made on : XX/XX/2023 Inquiry made by : XXXX XXXX XXXX made on : XX/XX/2023 Inquiry made by : XXXX XXXX XXXX XXXXXXXX made on : XX/XX/2023 To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act XXXX as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of deletion
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX  XXXX Balance : {$27000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$800.00}
Product: Debt collection

XXXX XXXX XXXX Is the worst Company ever!! Not only are they Harassing me by calling me everyday all day, but they also send me threatning letters in the mail which is another form of Harassment over an account that I have no knowledge of, or an agreement with their company over. I have never signed or agreed with any one to share my personal information and I have already filed a complaint with HIPPA regarding there ILLEGAL ACTIONS that are affecting Hard working citizens everywhere such as myself.They are violating HIPAA Privacy laws and I will be seeing them in small claims court!
Product: Debt collection

A company by the name of Financial Asset Management System keeps calling me to " collect a debt '' for an XXXX ( completely different last name ) ). My first name is XXXX but the last name is completely different than my current name or my maiden name. I do not have any outstanding consumer debt. I have told them on multiple occasions that I am not that person and to take me off their list. They still call me and a similar number is also calling my minor son 's cell phone. I have checked my credit reports to see if there are any identity fraud issues and there are no red flags for that possibility.
Product: Credit reporting or other personal consumer reports

I dont recognize these credit inquiries. I contacted the bureaus and requested they be removed. They didnt do what I asked. Im providing an identity theft report that I will provide attached to this and Im requesting they be removed because they are inaccurate and not mines.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protected consumer, I am now opting out of your reporting on any of my ( Transaction history ) I the consumer have a right to my Privacy, per The privacy Act of 1974. 
IT IS ILLEGAL TO REPORT TRANSACTION HISTORY!!! 
PER ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. 

The reporting agency & the financial institution has failed in protecting my right to privacy. The financial institutions did not disclose that they were going to share my nonpublic information with any third party. Nor did the credit reporting agency do the proper investigation before reporting my private information, knowingly and willfully reporting illegal transaction history on to my consumer report
Product: Debt collection

I keep getting a letter bills and phone calls from the debt collectors over a CITIBANK credit card charges I dont know anything about, I was told am owing {$5000.00} from the last letter they sent on the XXXX of XX/XX/year>.
Product: Debt collection

On XX/XX/year> I received a notice via email from Jefferson Capital about a alleged debt from XXXX XXXX. 
I do not owe any money to XXXX and have been trying to get that cleared up. 
Jefferson Capital is third party debt collector who buys up debt for pennies on the dollar. 
Jefferson Capital business license in SD does not specify that they are a collection agency also. 
I will file a small claims complaint against Jefferson Capital and XXXX XXXX for harassment. 
I will file this is my local jurisdiction which is located on a XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I mailed to Discover 's corporate address, a restrictive endorsed payment. This tendered payment was received on XX/XX/XXXX and picked up XX/XX/XXXX. 

I contacted Discover on XX/XX/XXXX as to the status of my accounts and the reflection of my balances for the tendered payments. I was instructed to call back in XXXX days. 

I called back on XX/XX/XXXX and was told no one in the Discover Executive Office was available so I was forwarded to the voicemail. After some phone tag, I finally spoke to XXXX and was told Discover would not perform per the Cardmember agreement listed under the " Payment Instructions '' section which states, in part, We can accept late payments, partial payments or payments marked payment in full or with any other RESTRICTIVE ENDORSEMENT without losing any of our rights under this Agreement. 

I was escalated up to another lady, who stated she would escalate the call up to her manager. Instead of performing per the cardmember agreement, Discover sent me a solicitation to complete form XXXX which I declined as it had no bearing on their performance and I believe was retaliatory in nature.
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 XXXXXX/XX/year>
Product: Debt collection

The report erroneously indicates a debt owed to IQ DATA INTERNATIONAL, which is not accurate. In fact, XXXX XXXX XXXX the original company that reported to IQ data that I owed them are the one owes me money which I have supreme court judgment documents that I had sent to IQ Data as well as the 3 credit bureau.
Product: Mortgage

On XXXX XXXX my home was a total loss due to fire ditech ( green tree ) has continually harassed me with foreclose notices, giving me wrong payoff amounts, charging me wrong inflated amounts, now they are holding my overage money for 30 days so they can collect interest on it form there banks my family has no where to live and no food nothing!!! These people are Complete CROOKS!!! They need to be stopped they have been sued before they need to be shut down NOW!! Please help they are stealing from me left and right please stop them if there are any class actions against them please let me know, each person that works for them are JUST as guilty and need to be held accountable.
Product: Consumer Loan

I received a loan from consumer portfolio services in XXXX of XXXX, in XXXX I contacted them to advise them I would be a week late on my payment. At that time I was told my car would be repoed and I could not be late. The representative told me my due date would have to change. I told them I did not want my due date change, they changed it anyway. I requested for them to change my due date back to the original date when I saw on my next statement. They told me I was not able to request another due date change. I told them I never requested the date to be changed to begin with. They were no help. Further into the loan I requested for XXXX extensions total. It would change my maturity date from XXXX of XXXX to XXXX XXXX. My maturity date now is XXXX XXXX. I asked why my maturity date was added by 9 months. The rep tried telling me that i requested XXXX due date changes as well which adds to my due date. Which is incorrected I never requested XXXX, non the less XXXX. They lady at that time told me she could change my due date back to the original date. Why did this not happen when I first asked? She would not give a valid reason.I also show in 4 years I have only paid XXXX toward a XXXX loan. I will owe thousands of dollars after my maturity date. They change my dates without request, add money to my account that is not legitamate. There is illegal handling of my account, when I ask why I still owe so much money after my loan ends they can not give me a legal valid reply. They tell me a supervisor will contact me but never does. They do n't make accurate notes on my account on what the conversation entales. They make endless excuses about my account and why I will owe so much after. They have harassed me and my family multiple times througout my loan with them.
Product: Credit reporting or other personal consumer reports

There is an inquiry on my report for XXXX XXXX that was inquired on XX/XX/XXXX that should have been removed. I called Experian and they say it is not there, but I can see it on their website & on my free Experian report through annual credit report. I spoke with 3 people who tell me they can not see it. But it is still on my report as of today XX/XX/XXXX. I have provided documentation of this inquiry still being on my report. This needs to be removed from my report.
Product: Credit card or prepaid card

I have had several amounts since XXXX charged without my authorization on Avant credit card. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Total {$180.00} Fees {$50.00} plus interest For XXXX transactions I was told I would have to pay in order for the charges to not show delinquent on my credit report and I will be reimbursed after investigation. No investigation ever occurred. I paid in order to not have this show on my credit. 

I since have never used this account once due to the lack of follow up and horrible service and secondly because I never recieved a replacement card for the cancellation of the first card. 

For XXXX I was so upset I refused to pay again for more and more expensive purchases that were not mine. I was told no worries and someone would call me back within 2-5 days to resolve. I did not pay awaiting a call that now 2 and half weeks later I still have no call from them and they still have done nothing to resolve. 

The company has since charged late fees and interest but said no payment will need to be made until dispute is finalized. Has not responded to any inquiries since XXXX. Has continued to transfer to outside 3rd party fraud company who has none of my information on file. I asked for account to be closed because of all of this. 

This company communication is horrible and Avant financial is completely fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX  XXXX XXXX Na 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