23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I received a Vanilla gift card from my employer that included a bonus due to me from my employer. The amount of {$120.00} was put on hold by the company and never released. After several attempts to receive my money either on a virtual gift card or a physical card, I have received neither.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I forgot how many times I've tried to tell Equifax that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Pursuant to Section 605B of Fair Credit Reporting Act this unknown account must be deleted : XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/19 Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute late payments that are currently being reported on my Experian credit report. Specifically, I am disputing late payments that were reported for the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my XXXX  accounts both starting with account # XXXX and # XXXX. 

The Fair Credit Reporting Act requires that consumers be provided a 30-day period after the payment due date before an account can be reported as late. However, I was never provided the mandatory 30 or 60-day late notification period before these late payments were reported. 

Section 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA states that furnishers may not report information about a late payment until 30 days after the payment due date. By reporting this late payment without first providing the required 30 or 60-day late period, XXXX and Experian violated federal law. 

Pursuant to the FCRA, I am requesting that you remove the disputed late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from my credit report. I am also requesting that you provide me with copies of any correspondence or records that show I was properly notified that the payment was past due, as required by law, before reporting it late. Also, my other XXXX account does not report the XX/XX/XXXX payment as late either in which those accounts are synchronized. It is the same information given by XXXX to all data furnishers, so how can it be late on this account? 

Please investigate these disputed late payments and correct any inaccurate or incomplete information on my report. I can be reached at XXXX and or XXXX if additional information is required. Thank you in advance for your prompt attention and compliance with the Fair Credit Reporting Act.
Product: Bank account or service

Our ING online account was purchased (? ) by Capital One. My husband tried to access our online account and was locked out. After waiting on hold for up to an hour each time over a week, he was able to reach someone who said our account would be unlocked and it would take 5 days. That was two weeks ago. He has been trying ever since to reach a person at the phone numbers they have online and in the documents they mailed to us to no avail. He has been on hold each time for up to an hour each time. We can not access our money and can not get a hold of anyone to make that happen. We have no idea what to do now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under EQUIFAX, XXXX and XXXX XXXX XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!
Product: Credit reporting or other personal consumer reports

I saw XXXX XXXX  on my credit report. I have never went to this school. 
loan date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is on my credit multiple times. 

15usc 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15usc 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 conviction of crimes which antedates the report by more than seven years
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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

I am filing this complaint against FLAGSHIP CREDIT ACCEPTANCE and the credit reporting agency Equifax. FLAGSHIP CREDIT ACCEPTANCE has failed to provide the IRS Form 1099-C as requested for my account, and the credit reporting agencies have allowed the continued improper reporting of these charged-off debts on my credit report. Despite knowing the correct classification and financial implications of a charge-off as defined by the IRS, they have not taken the necessary steps to correct this reporting. 

A charge-off is recognized as a taxable event, which should be reported as income according to IRS guidelines . However, there is no category on my credit report for income earned or taxes filed, nor has there ever been. If the IRS considers charge-offs as taxable income, it is unclear why these charge-offs continue to be reported on my credit report, especially when such reporting misrepresents their true nature and violates the Fair Credit Reporting Act ( FCRA ). 

Background : I sent a letter requesting a copy of Forms 1099-C for debt associated with my account XXXX XXXXXXXX which has been reported as " charged off. '' According to IRS Publication XXXX, a charge-off is recognized as a taxable event that should result in the issuance of a Form 1099-C to reflect the cancellation of debt income. 

Additionally, I have noticed that this account continues to be reported on my credit report as a " charge-off '' on a monthly basis, as if it were a new account with current charges. This ongoing reporting is not only misleading but also inaccurately reflects the account as generating new charges each month. 

Issues : Failure to Provide Form 1099-C : The creditor has not provided the required Form 1099-C, which is necessary for me to accurately report any canceled debt income to the IRS.

Improper Monthly Reporting of Charge-Off : The account is being reported as a " charge-off '' every month, which implies continuous new charges, despite the fact that a charge-off is a one-time taxable event that is now being reported as income in which I have filed and have attached proof. This reporting inaccurately portrays the account status and violates the Fair Credit Reporting Act ( FCRA ). 

Income Reporting Implications : Since a charge-off is considered a taxable event reflecting income, this account should no longer be reported on my credit report nor as an ongoing charge-offs. Continuing to report these accounts as an active charge-offs suggests that these debts are still accruing, which is incorrect and constitutes a violation of the FCRA, as it misrepresents the now true nature of the debts.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts, which have appeared on my credit report as a result of a data breach. As per my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am asking for the removal of these entries to protect my credit. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hi. I am having issues with the credit bureaus lack of investigation into my dispute. I contacted them because there are numerous incorrect accounts on my credit report and I need them corrected or removed from my reports. They have not investigated and I have not received any results from them. I initially reached out to them in XXXX and it is almost XXXX and I have not received anything from them and my credit reports remain unchanged. I was told by my lawyer friend that I should submit this complaint because their action, or lack there of is violation of credit reporting laws and if they continue I can sue them and receive compensation for their violations. I don't want to have to do that, but I feel it is necessary that I file this complaint for starters to attempt to hold them accountable. I have to move soon and their unfair reporting is keeping me from being able to move.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request an investigation into potential violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, that I believe have occurred regarding my credit information.

1.Right to Privacy ( 15 U.S.C. 1681a ) : I am entitled to privacy regarding my credit information. I have reason to believe that my personal information has been mishandled or improperly disclosed by the entities listed below. This breach of privacy appears to be in violation of this provision.

2.Failure to Obtain Written Instructions ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) : According to this section, a consumer reporting agency is prohibited from furnishing credit information without my written instructions. It has come to my attention that the following entities have reported information about my accounts without obtaining the necessary written authorization from me, thereby violating this provision of the FCRA : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX I am deeply concerned about these potential violations and their impact on my financial standing and reputation. I respectfully request that the CFPB investigate this matter thoroughly and take appropriate action to ensure compliance with the FCRA. 

Thank you for your attention to this important matter. I look forward to a prompt resolution. Should you require any additional information or clarification, please feel free to contact me using the information provided above. 

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

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. Someone has used my personal information to obtain loans and credit cards from XXXX. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Checking or savings account

Sold a primary residence on XX/XX/XXXX. Net proceeds of {$120000.00} were deposited into a Wells Fargo checking account. The funds showed as being in the account on XX/XX/XXXX but were not showing up on the account XX/XX/XXXX. The bank said it was on hold to verify the funds were actually available. Approximately {$5000.00} will be available on XX/XX/XXXX and the balance on XX/XX/XXXX. In this age of electronic communication why does it take a week to verify?
Product: Debt collection

I have been repeatedly contacted by a XXXX XXXX on behalf of a Milestone Mastercard account that I have been trying to dispute. My brother did a lot of fraud and identity theft on family members, I'm not sure this debt is mine and have asked for confirmation in the past. I never get it, and they stop chasing me a while. I moved almost two years ago. I was contacted today saying that they have sent legal documents for proceedings against me. I told the person that I haven't lived at the address they were sent to for some time. I get bumped up to what I am told is a legal case XXXX, who proceeds to tell me that she refuses to allow me to contest the debt as she is already in legal proceedings against me over such. We wind up in an insult match where she tells me that she will have me in court and take money from me regardless. This is heated, unscrupulous behavior. This agency knows full well that I have attempted to refute this debt on every occasion they have contacted me, and now that they know I have not received the filings sent to me are still trying to pursue this debt I ask to contest. 
I need immediate assistance please.
Product: Mortgage

I am contacting the CFPB for assistance as I am afraid I am being pushed to accept a trial payment under the FHA HAMP program that is higher than it should be under the guidelines issued. I have attached the detailed FHA HAMP trial agreement to this complaint as well. The trial payment was calculated to be {$2500.00}. Within the same agreement, the letter states my income was calculated to be {$6800.00}. This would leave my housing ratio at 37.68 %. According to the HUD guidelines, this modification program is designing to lower the mortgage payment to 31 % of the monthly gross income. If the payment was calculated to be 31 % of my income, the monthly payment would have been closer to {$2100.00}. According to the HUD underwriting guidelines, the payment should have been calculated as less. The unpaid principal balance on this loan is {$340000.00} plus arrears owed $ XXXX {$400000.00} - 30 % allowable deferment = {$280000.00} over 30 years at 2 % = {$1000.00} + escrows {$1000.00} = {$2100.00}. So my income of {$6700.00} x 31 % = {$2100.00} is just enough to qualify. When we questioned this with the bank, we were told this can be calculated up to 38 % for this program but I do not see those guidelines listed anywhere for FHA HAMP as all that is stated for the target payment is the 31 % and not 38 % for the proposed payment. 
Although I am grateful to have the opportunity to keep my home, this difference in payment would be almost {$450.00} less a month and so much more affordable. My main concern is not to be so tight in making the payments that only XXXX unexpected expense could put me delinquent again and that is very scary. I want to ensure I am never in default again.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Address Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the presence of incorrect addresses listed on my credit report. These addresses are not mine, and I am requesting their immediate investigation and removal to ensure the accuracy of my personal information, as required under the Fair Credit Reporting Act ( FCRA ). 

The following addresses appearing on my credit report are incorrect : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My actual and current address is : [ Your Correct Address, e.g., XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ] Maintaining incorrect address information on my credit report can lead to confusion, misattributed accounts, and potential violations of my rights under FCRA 1681e ( b ), which mandates credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of consumer reports. 

I request the following actions : Immediate Investigation : Review the incorrect address information and confirm that these addresses do not belong to me. 

Correction or Removal : Remove all inaccurate addresses from my credit report. 

Written Confirmation : Provide me with written confirmation of the changes made and an updated copy of my credit report reflecting the accurate information. 

Please complete your investigation and respond within the 30 days required by the FCRA. Ensuring the accuracy of my credit report is essential, and I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Mortgage

Wells Fargo sent a letter advising of a systems change that was taking place and around XX/XX/XXXX XX/XX/XXXX of the month and that my normal payment would be taken from by checking account and it did, however they also took a second mortgage payment on XXXX/XXXX/16. This is causing significant issues with my checking account. I have called twice. The first time I called on XX/XX/2016 I was advised that they were aware of the issue and I would have my funds returned to my checking account within XXXX business days. I called today XX/XX/2028 since I still do not have the funds in my checking account and was advised that the funds were sent back on XX/XX/2016. I called my bank XXXX and they do not have any pending credits for my checking account. I feel this is not good banking business, who through doing this over a holiday week was a good idea? I have not been able to pick up a XXXX gift because I do not have the money and now it will cost a lot more to get. I want compensation of some sort as this is now affecting my ability to pay my monthly bills and issuing credit for fees will not be the answer.
Product: Debt collection

I contacted Jefferson Capitol Syst, XXXX XXXX XXXX, XXXX XXXX Mn XXXX on XX/XX/2021 after receiving information that they added a previously deleted item back to my credit report. I contacted them threw Certified mail and requestied them not contact anyone else about the debt until they sent me a complete validation letter. The return mail was signed by a XXXX XXXX XXXX on XX/XX/2021. XXXX XX/XX/XXXX they contacted XXXX again about the debt without sending any information asked for in the verification letter. The initial bill was deleted from all three of my credit reports in XXXX when XXXX failed to respond in any form or fashion to any of the multiple dispute i sent in to all bureaus. In XXXX XXXX months later, after XXXX knowing they could not get the account re-inserted onto my credit they, vindictively sold it to Jefferson Capitol. These tactics are horrible and cause so much hardship to my credit.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC deceptively never made me aware of the option to opt out of them reporting to my XXXX credit report. A charge-off is a certificate of indebtedness which means it's income and must be removed, since it's illegal to report transaction history. I am now opting out as a federally protected consumer per 15 usc 6802 and 16 CFR 313.4 and 313.7 in which I was never given a notice.
Product: Student loan

In consideration of the PSLF program, I consolidated my loans under the Direct Loans ( in XX/XX/XXXX ), and have worked with a qualifying employer ( federal agency ) since XX/XX/XXXX. I have been under the PSLF program since XX/XX/XXXX and have paid my payments in full every month under a qualifying income-driven repayment plan. My PSLF employment recertification form was completed and received by the servicer in XX/XX/XXXX ( attached ). 

In XX/XX/XXXX, I received an update on my PSLF qualifying loans, stating I have 30 qualifying payments for both subsidized and unsubsidized loans, and qualify for forgiveness in XX/XX/XXXX ( attached ). This is correct. 

I recently received a second update on my PSLF loans in XX/XX/XXXX which now states that I only have 11 qualifying payments and qualify for forgiveness in XX/XX/XXXX ( attached ). This is incorrect and came as a total surprise given that I received a different number only two months prior with no changes since then.

I called the servicer right away and the Servicer representative could not explain what happened. They stated the computer automatically calculates payments under some criteria they couldn't explain. The rep flagged my issue for " manual review, '' but also stated that it would take 3 to 6 months before I get an answer. They could not provide any acceptable answer or honor my request expedite my issue.

Considering this effects more than thousands of PSLF applicants, I would like to press the issue of the Servier incorrectly processing payments by " automated processing '' and improperly managing the accounts and communications to the customer.

The review time is 90 to 180 days for a " computer glitch ''. Instead of addressing the inaccurate automated processing directly, the servicer is choosing to delay any correction by placing it under " manual review '' for an unreasonable period of time. Shouldn't the review be completed BEFORE the account is updated and BEFORE the communication is sent to the customer? Due to its automated nature, this is a blatent Servicing error that affects thousands of applicants, yet could easily be corrected by the Servicer.

This issue presents as poor communication and handling by the Servicer. If this is a common issue with the PSLF program, it needs to be addressed  immediately to maintain the integrity of the program. When applying for forgiveness down the line, I need to know that my payments will be honored. Please let me know what information you need to rectify this problem. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received multiple mail letters stating that my bank account was closed and checks have bounce in account I do not have open
Product: Money transfer, virtual currency, or money service

I made 2 bill payments with Paypal on XXXX XXXX using my personal account XXXX with phone # XXXX, one in the amount of {$150.00} and the second one in the amount of {$90.00}, file uploaded. When I made the payments they showed up successfully. When I contacted Paypal today because payments are not showing with the credit card provider, they told me they only showed one transaction for {$150.00} as denied by my bank as insufficient funds. I had money in my account at the time the payments were made and that money is still sitting in my account. I have a statement from my bank also stating they never receive a transaction from Paypal, file uploaded, therefore the transaction was denied, Last month the same thing happen, but they stated it was denied by credit card company, and shortly thereafter sent me {$50.00} as a courtesy for rejected bill payment. 

Paypal system is costing me! My credit card payment is due by XX/XX/XXXX and I will suffer late payments of {$29.00} per account as well as a dig on my credit, this is unacceptable.