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

What happened? 

I received a Copy B of a 1099-C form for my student loan debt, which indicates that the debt was canceled. Despite this, the debt is still being reported on my credit report as unpaid. I have attempted to resolve this issue with the creditor, but they have not updated my credit report to reflect the accurate status. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 

Relevant USC Codes : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : A furnisher of information must provide accurate information.

15 U.S.C. 1681s-2 ( a ) ( 2 ) : Duty to correct and update information.

15 U.S.C. 1681i : Requirements on consumer reporting agencies for conducting a reinvestigation.

15 U.S.C. 1692e : False or misleading representations.

12 CFR Part 1022 ( Regulation V ) : Implements the FCRA.
Product: Credit card

MACY 'S SENT US AN OVERDUE BILL FOR A BILL THAT WAS ALREADY PAID. THE NEW BILL HAD A {$25.00} LATE FEE & A {$2.00} INTEREST CHARGE. WE NEVERACCURE INTEREST. WE CALLED & PAID THE NEW BILL MINUS THE LATE FEEOVER THE PHONE. THEY WOULD NOT REMOVE THE INTEREST CHARGE. 
WE GOT PROOF OF PAYMENT FROM OUR BANK ON THE ORIGINAL CHARGE & HAVE FAXED IT TO MACY 'S PAYMENT RESEARCH & HAVE NOT HEARD FROM THEM. CALLED TODAY, & I WAS UPSET WITH THE HOLD TIME,XXXX, TOLDTHEM SO & I WAS HUNG UP ON.
Product: Mortgage

Bank of America denied me of an home equity loan {$25000.00} when I the creditor was exercising my right in good faith with the Equal Credit Opportunity Act ( Regulation B ). When the denial letter was delivered it also stated the Discrimination against me by Bank of America due to them using information of my credit from an agency and not a bureau. I provided them with the signature and social security, etc. and upon request my credit should be given to me and not denied. This was explained to several of the home equity loan supervisors but they continue to discriminate against these laws. Adverse action letter was sent XX/XX/2022 at XXXX by financial manager XXXX XXXX XXXX but these laws are still not complied with by Bank of America- 12 CFR Part 1002 ; 12 CFR 1002.7 ; 15 USC 1681m .
Product: Checking or savings account

I can no longer use XXXX because it said PNC is making it difficult to allow online transfers. I'm considering closing my account because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX of state XXXX XXXX has violated my rights XXXX is the amount I'm disputing the company let someone Doc sign for apartment in XXXX Texas 15 u.s.c. 1681 section 602A states I have the right to privacy 15 u.s.c. 1604A section 2 also states A consumers reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : TRUISTBANK - XXXX, XXXX  - XXXX Incorrect DOB - 1999 Incorrect Address - XXXX XXXX XXXX CT, XXXX, FL, XXXX EMPLOYER - THE KB XXXX XXXX XXXX
Product: Mortgage

In XXXX XXXX XXXX I went into forbearance with my mortgage company. I asked lots of questions to ensure my home would not be taken away from me. That person verified those things for me. In the midst of coming out of forbearance, I guess they did some type of merger with a contractor or something of that something of that sort. They have no previous documents of my forbearance documents and I am unable to pull up my online account to resume making payments. This has been the most FRUSTRATING process ever. I don't know what is going on with my home loan. I have gotten no response from them regarding this situation. I have called a million times and I have sent emails to prevent a foreclosure. I need some answers now because the clock is ticking. The automated systems says someone will call, they never do. Please help with this. The mortgage company is called Essex Mortgage. I need them to contact me ASAP.
Product: Student loan

Attended XXXX in around XXXX to XXXX took a private loan out as well through XXXX navient was my provider and at one point the loan defaulted and went on a payment plan. Was told they were not allowed to go into my debt relief program. Struggles with realistic payments and when I sent in my lao. Forgiveness paperwork navient " never received the 4 faxes from my employer '' I still owe XXXX plus on them which is insane they often try to add my spouse in one and expect payments that were more than my mortgage that is while I file separately now vs married
Product: Credit card or prepaid card

Bank of America is charging me 30 % in interest. They are not willing to work with me. I have been very sick. I always paid on time. I have four accounts with the bank. I was never late until I got sick in XXXX. I got behind on my one card. I made a payment in XXXX to bring my balance down to {$12000.00}. It is now {$12000.00}. I called on Monday XX/XX/2021 to get some help. They refused. They had me down as being deceased. I asked if they could stop the bleeding with the late charge and interest and they refused. I had to call to get that corrected twice. They advised that they can not help till it gets 6 months past due. PLEASE HELP STOP THE BLEEDING. STOP THE HIGH INTEREST RATE OF 30 % AND LATE CHARGES. I HAVE BEEN SICK WITH COVID AND HAD A XXXX XXXX. THEY REFUSE TO HELP
Product: Debt collection

This is about a debt that I requested documentation to show proof, none was provided. A private processor falsified information saying I was contacted and I was not, I also requested proof, none was provided. An extension of a judgment was attempted to extend XXXX  years and again I never had any knowledge until I checked records for something else. I motioned to have extension vacated because I never was contacted and debt was not mine, no proof ever provided. The case lapsed, dismissed and the court closed XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX garnished my bank account. I have contacted the law firm as well as sent in proof, now I can not get anyone on the phone, I am put on hold and it disconnects. Both of these companies are known for scamming and unlawfully going after people.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 

Equifax Unauthorized Inquiries Listed below are the Inquiries that are being challenged INQUIRY - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have requested the original contract from XXXX, XXXX, and Experian on a collections account in my credit report. Each time I have tried to contact them dating back to XX/XX/2018 none of the three could verify that the actual debt was valid. Which leads me to believe all three, XXXX XXXX and Experian are all miss informing creditors of my information, and in violation of federal law.
Product: Credit card

I got a call from Wayfair stating a charge of {$1900.00}. Was used to purchase carpets and sent overseas. I did not make this purchase so they reverse the charge. While investing they found it was actually sent to a " charity '' and because of that, they could not get the money back so I am responsible for the charge. I am XXXX  and on SSI. They set me on a {$35.00} / month for 58 months at 0 % apr. This is still a hardship. It was a very well played scam but they will not reverse the charges.
Product: Debt collection

ComplainXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and servicer Fidelity National Financial who conducted escrow reviews for my property All questions below are based on my research and official responses from XXXX XXXX who has no records about XXXX  servicing activities and responses to my FOIA requests by USPS who disclosed real identities of the mailers who used XXXX  letterheads On XX/XX/XXXX my alleged Lender XXXX XXXX XXXX XXXX transferred allonge to my Note to XXXX XXXX XXXX XXXXXXXX On XX/XX/XXXX law firm XXXX and XXXX forwarded me from unidentified sources a new, undated allonge to my Note from some Loan Seller to XXXX, which appeared for the first time Please disclose full name and contact information ( full mailing address, phone, fax and email ) of the Seller for loan XXXX and the name of its individual employee who was handling this sale. 

Please disclose the name of the buyer of loan XXXX, its full contact information and the name of this buyer individual employee who was responsible for purchase of my loan Please disclose the date of sale of my loan Please disclose the place of sale of my loan Please disclose the amount paid for my loan by the buyer, in XXXX XXXX XXXX  Please provide me a copy of receipt for this sale such as wire transfer, cancelled check, ACH Please provide me a copy of the accounting ledger where my loan was recorded as an asset after this purchase Please provide me the place and the name of custodian for my original promissory note between XX/XX/XXXX through XX/XX/XXXX Please confirm that during all time in question, XXXX  claims to be a Holder in due course for my note because XXXX  paid for my Note and Mortgage On or about XX/XX/XXXX I received a letter mailed to me by XXXX XXXX XXXX XXXX XXXX  informing me about transfer of servicing to XXXX  Please explain who authorizedXXXX XXXX XXXX  to send me this letter of servicing transfer During all time in question XXXX XXXX XXXX XXXX XXXX all my payments were collected by XXXX XXXX XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX TX XXXX XXXX Please explain why XXXX XXXX collected my payments if XXXX  claimed to be a servicer for my loan. Please disclose who authorized XXXX to collect my payments, and the name of an individual who authorized XXXX During all time in question my property taxes were paid by XXXX. 

Please explain why XXXX paid my property taxes if XXXX claims to be a servicer. Please disclose who authorized XXXX  to pay my property taxes and the name of an individual who authorized them During all time in question my escrow reviews were conducted by XXXX XXXX Fidelity Please explain why XXXXXXXX XXXX XXXXFidelity conducted escrow reviews for my account if XXXX  claims to be a servicer Please disclose the name of individual at XXXX who was responsible for escrow reviews and who authorized XXXX XXXX Fidelity to conduct these reviews I reserve my right to request more disclosures after XXXX  and Fidelity respond to my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I applied for a modification after having a car accident and falling behind on my mortgage. Bank of America continuously denied me claimed they never received paperwork and was very uncooperative. I made a payment towards my mortgage for XXXX and the bank misappropriated that payment. They used it towards late fees which they increased by 100 % and interest. The payment was supposed to go towards principal and the late fees waived with the interest applied to the back end of the loan. I am tired of Bank of America and at this point I need someone who is willing to investigate my first application for a modification and why my payment was not applied correctly, along with why my late fees went from XXXX to $ XXXX-XXXX. 
My mortgage is through XXXX and they are n't helpful although they were aware of the issues that I had with Bank of America and continue to have. 
My name is XXXX XXXX my mortgage company is Bank of America and my telephone number XXXX.
Product: Debt collection

I was exposed to chemicals at work and my XXXXXXXX XXXX I was taken from work to the hospital by my employer and spent two months in the hospital. I had part of my XXXX XXXX  as a result of the inhalation of chemicals. It is illegal for a physician or medical facility to bill an injured worker if they know the injury is work related-related. this law is found in California labor Code section 3751 ( b ). This dept is for a work related injury and there is a current and open workers comp claim. I will attach the documentation that shows that there is a current and open worker comp claim and they are absolutely aware of the fact that there is and I have provided this information to The Hospital as well as this Dept Collector. This Hospital Bill is the sole responsibility of the Workers Compensation insurance company, and I am not legally responsible for any medical services rendered. This Company is Harassing me for a Fraudulent Dept collection that was never my responsibility, nor will it ever be my responsibility and it is completely fraudulent and unethical to be billing me for anything regarding having part of my XXXX XXXX due to being exposed to toxic chemicals at work.
Product: Debt collection

Portfolio Recovery calls my phone several times a day from various area codes none of which are the area code I live in, when I answer the phone there is no one there most of the time. I called the number back today ( number from Virginia and I live in Illinois ) to find out who is calling my phone. They asked for personal information from me and I told them I had no idea why they were calling and that they called me first I wanted to know who they were and why they were calling. I gave them my name but nothing more. Again was asked for social security number and I told them I would not give out my personal information without knowing who is calling and why. Their only reply was this was a personal business matter, I explained I didn't know who they were and I had no personal business with their company. She said she was going to end the call because it wasn't getting anywhere. I told her they were going to be reported to the FTC.
Product: Debt collection

I have disputed this account with the credit bureaus and the company ( EOS CCA ) more than three times. The credit bureaus keep telling me that the account has been verified. Without providing any information on how the account was verified. The company ( EOS CCA ) is not responding to my letters. All letters have been sent by certified mail and have been received by the companies.
Product: Credit reporting or other personal consumer reports

I am writing to address your reporting on an alleged debt referenced above, which I believe violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. This matter is governed by an arbitration agreement with [ Insert Original Creditor ], which specifies that any disputes must be resolved through arbitration as outlined in the binding agreement. To my knowledge, no arbitration proceedings have occurred, making your collection actions a direct breach of that agreement. As such, I maintain that you lack the authority to pursue this alleged debt. 
I aim to resolve this matter swiftly and cooperatively and request that you take the following actions immediately
Product: Credit reporting or other personal consumer reports

As a foreign national, I have unfortunately fallen victim to identity theft. My consulate advised me to seek assistance from the FTC website. Although I am not proficient in English, I am providing the following information in the hopes that you can assist me. These accounts listed below do not belong to me ; someone has fraudulently used my personal information. Could you please help me by removing them from my records? Here is the list of accounts : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

Any assistance you can provide would be greatly appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

In alignment with my rights under the Fair Credit Reporting Act ( FCRA ), the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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. 

XXXX U.S.C XXXX ( A ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credi reporting ACT has violented my rights. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A State : I HAve the rights to Privacy. 
15 U.S.C 1681 section 604A section 2 : Its also state a consumer reporting Agency can not furnish a account without my written Instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy.

15 USC section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Also under USC 15 section 1666B states that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is the fourth time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX