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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent Request to Review and XXXX XXXX under FCRA XXXX XXXX, Truth in Lending Act, and IRS XXXX Guidelines Dear XXXX XXXX XXXX XXXX am writing to urgently request that you review the reporting of my account with Account Number XX, in accordance with the Fair Credit Reporting Act ( FCRA ) Section XXXX ( 15 U.S.C. 1681s-2 ), the Truth in Lending Act ( XXXX ), and IRS regulations XXXX the cancellation of debt. 

I have identified inaccuracies and potentially fraudulent activity associated with this account. As per the Truth in Lending Act, I am entitled to accurate and fair reporting, and I am currently in the process of reporting this entire transaction as fraud. I also intend to report this matter to the IRS, as the nature of the transaction may have further implications for both tax reporting and compliance. 

According to IRS XXXX XXXX XXXX XXXX are required to file Form XXXX with the IRS when they cancel XXXX debt of {$600.00} or more, as this canceled debt is generally considered taxable income for the debtor. The publication specifies : A debt is deemed canceled when a creditor decides to stop trying to collect on it or reports it as a loss on their books. This may include a charge-off on their financial records. 

If you have reported this account as a charge-off or have ceased collection efforts, you may be required to issue a Form XXXX to both the IRS and myself, XXXX that the debt has been canceled. Failure to align your reporting practices with IRS, FCRA, and TILA guidelines not only results in inaccuracies on my credit report but also causes harm to me by putting me at risk with the IRS, as this is considered taxable income. I am trying to stay in honor by ensuring my records are accurate and compliant. In light of these concerns, I request that you : XXXX Review, verify and delete the current reporting status of this account on my credit report. 
XXXX. Provide documentation clarifying whether this account has been considered a canceled debt under IRS guidelines. 
XXXX. Issue Form XXXX if applicable, or correct any inaccurate information reported to credit bureaus. 
XXXX. Respond to my claim of fraud under the Truth in Lending Act, providing a thorough review and documentation of the accounts legitimacy. 

Please respond within XXXX  days to confirm your receipt of this request and to inform me of the actions you will take to address these issues. If this matter remains unresolved, I will continue reporting these concerns to the relevant regulatory authorities, including the IRS. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair Practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Hi, on XX/XX/year>, I deposited a cashier check in the amount of {$2400.00} at Chase bank branch XXXX XXXX XXXX XXXX, XXXX PA XXXX. I specifically asked the teller who helped me deposit the check whether it is a good check. She confirmed that cashier check is always good. I was relieved since it was a check from XXXX buyer for my dinning furniture.It turned out to be a bad cashier check. On XX/XX/year>, the buyer cancelled the transaction, so I refunded the buyer with one XXXX payment of {$450.00} and one XXXX XXXX of {$950.00}. Then I grew suspicious and refused to refund the rest of the payment. I called Chase customer service, the rep said the sever is down and they cant reverse the payment. I went to the branch, the manager said this happened to everyone. XXXX and XXXX are not part of Chase. They cant do anything about it. I called the XXXX and XXXX number that the manager gave to me. The rep is either too busy or said the server is down. For the XXXX transaction, I did not even type in the correct phone number and it still went through and cant be reversed. I was very disappointed and frustrated, Chase didnt really care the customer at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One -- XXXX  and XXXX still shows I have a debt with Capital One for {$150.00}. 

This account has been off in FULL. I have numerous documentation and Capital One itself will agreed account has been closed and paid off. 

I disputed directly with XXXX  and they refuse to fix it on their report. Same with XXXX. I have contacted Capital One numerous times and was told it takes time but it has been already over 30 days. My credit score is taking a hit of incorrect reporting! 

Account ending in XX/XX/2001 has a XXXX balance.
Product: Student loan

I have many loans from private and government and I was very young when I started with this school loans. after a few years companies sell my loans to different lenders and the interest goes high. I never had a complete understanding of the type of interest I would pay down the road. To make things worst I started a degree on a university and left school for few years and when I came back to finished the degree was no longer available so had to get a XXXX degree unless I wanted to pay more towards a new degree. I do not have a steady career and i am currently jobless with a XXXX XXXX dollar debt.
Product: Credit card or prepaid card

I used my Bank of America credit card on XX/XX/2022. on XX/XX/2022 I discovered that someone had stolen my credit card information and used it to make unauthorized purchases to the extent of {$1700.00}. I reported this to Bank of America on XX/XX/2022 and told them that I did not authorize these purchases in another city that is XXXX miles away but so far, they still hold me responsible. This is even though I stated that I did not authorize these purchases and Bank of America is charging me interest on these unauthorized purchases. I feel that this goes against the Bank of America Credit Card agreement wherein it states that I am not liable for unauthorized purchases made with my credit card. I never authorized the purchases and I never received the merchandize. This is credit card fraud to the highest degree and Bank of America should be held liable for their inaction in absolving me of these charges and continuing to charge me interest for these unauthorized purchases
Product: Credit reporting or other personal consumer reports

There's account on my credit report that I disputed with credit agency multiple times.

I do not recognize the company and I sent a request to remove it from my credit report.

Transunion credit reporting agency did not follow my
request submitted on XX/XX/XXXX. On a dispute status it showed that account was verified. I called XXXX and requested results and description of the procedures they used to investigate my dispute and my request was denied by employee on a phone. They advised me to read it on my online account which does not provide detailed explanation. XX/XX/XXXX I disputed this account again but it did not fix the problem.

Account opening date is XX/XX/XXXX but payment info starting XX/XX/XXXX. Report also states that last payment was made XX/XX/XXXX but payment history shows was done in XX/XX/XXXX. Terms {$0.00} per month paid for 60 months. There's a lot of misleading information that has a negative impact on my credit history. 

Please see attached photo of account information.
Product: Debt collection

XX/XX/XXXX : On XX/XX/XXXX, my husband XXXX XXXX died. I am his wife/widow and was appointed as his Personal Representative. I quickly notified Citibank of his death and subsequently provided it with the documents issued by the Court. Citibank assigned it to XXXX XXXX XXXX Services ( XXXX  ). XXXX advised in several phone calls that once the account was assigned to it, that ALL late charges and interest fees were frozen and that the amount owed was the amount due on the date of XXXX XXXX ' death. I asked and their representative could not tell about repayment deadlines. XXXX 's letter dated XX/XX/XXXX shows the amount owed on that date as {$4500.00}. I made payments to Citibank : XX/XX/XXXX : {$180.00}, XX/XX/XXXX : {$750.00}, XX/XX/XXXX : {$350.00}, XX/XX/XXXX : {$500.00}, XX/XX/XXXX : {$350.00} TOTALING : {$2100.00}. On XX/XX/XXXX I called XXXX & asked for a balance. Their Representative said the account was returned to Citibank in XX/XX/XXXX & gave me a phone number to Citibank Probate Dept. On XX/XX/XXXX I received a 1099-C issued to XXXX which shows a date of XX/XX/XXXX for {$4300.00}. I called Citibank & spoke to Representative # XXXX and asked how Citibank got the amount in the 1099-C because the amount didn't reflect the payments I made and NO ONE told me that it was going to be " Cancelled '' or that a 1099-C would be issued. She told me she didn't have any information & to talk to my tax advisor. I told her that suggestion was ridiculous and that my tax advisor would have NO information. I asked for a Supervisor or Manager. She said none was available. I asked for the name of someone somewhere that I could ask my questions & was referred to the Presidential Dept of Citibank in XXXX XXXX, SD which she said had NO phone number, NO fax number and NO email address. I sent a letter to the address on XX/XX/XXXX. Today I received a letter from Citibank dated XX/XX/XXXX which said the debt in the 1099-C was accurate and gave me NO other options to address my concerns.
Product: Mortgage

This pertains to Case number : XXXX. 
Today, I have called Ocwen to find out why the modification process was not updated yet. I was instructed that they were still missing one last document. I explained to the lady that we sent all the paperwork but would be happy to send it again. We got into this mess because back in XX/XX/XXXX we paid the {$5200.00} that was due to reinstate the loan back on XX/XX/XXXX via wire from our bank. I called for days and monitored the account but no funds from the wire ever showed posted. It was explained to me today that their records show they did not receive payment until XX/XX/XXXX and that is why they did not honor the reinstatement of the {$5200.00} and put us into foreclosure, not returning our funds until XX/XX/XXXX. Ocwen 's bank is XXXX XXXX ( we all know about them ) who clearly told me they can take up to 3 days to post a wire! How criminal is that? I also talk to another agent at Ocwen who said it was sent back because there were foreclosure fees from XX/XX/XXXX that were never paid and they are due and have to be paid. Even thought I told him what their own letter said, he stated that form is n't really for our loan. We have an FHA loan. So neither person could really tell me the truth. So now we are in foreclosure with new fees being added to the account. We applied for a modification to stop the foreclosure process and today I was checking on the status. The young lady did tell me we could pay the {$9900.00} that is now due to reinstate the loan ( you ca n't pay your monthly payments while in foreclosure and late fees keep adding up plus new fees ). She stated there are new foreclosure fees that are being added but those will be added to the end of the loan and not necessary to reinstate. I explained to her that is why we are in the mess we are because Ocwen said we have to pay the original foreclosure fees and the {$5200.00} did not satisfy the total amount due despite what their letter said. She said, no, it was denied because it did not have XX/XX/XXXX payment in it because we did n't get it until XX/XX/XXXX. So why did XXXX XXXX who is the bank for Ocwen keep the money for 3 days? And now I am in foreclosure but she assured me I can send the {$9900.00} to reinstate and they wo n't need the foreclosure fees of {$2000.00} up front, just at the end of the loan. Looks like XXXX XXXX ca n't open bogus accounts with lines of credit so maybe they are taking the wires and using those as cash for federal reserve money for points? Interesting .... And Ocwen ca n't tell me the truth about the letters they send to their customers ....
Product: Credit reporting or other personal consumer reports

Capitol one hard inquiries I did not authorize to run my credit. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a formal complaint regarding my XXXX XXXX provider and the XXXXXXXX XXXX XXXX XXXXt XXXX alleged breach of XXXX XXXX XXXX  and potential violations of the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g. According to an article published by The XXXX XXXX on XX/XX/year>, my XXXX XXXX XXXX XXXX  have been improperly accessed, shared, or otherwise mishandled without my consent. 

I request that the CFPB investigate this matter and ensure the following : 1. The immediate deletion of my XXXX XXXX  information from all relevant systems, databases, and third-party entities.

2. Accountability for any parties found to be in violation of FERPA, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, or other consumer protection laws. 

3. Remedial action to prevent future breaches of XXXX XXXX  data and ensure compliance with applicable laws. 

Please direct all correspondence regarding this matter to XXXX or XXXX. I expect a prompt and thorough resolution to this issue. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

After two years of being a good paying Capital One Bank Credit Card customer, I had an income decrease as of XX/XX/XXXX due to having to pay for health insurance. I am a single woman in the state of New Jersey, employed full time, technically poverty level income. 

I contacted Capital One in XX/XX/XXXX to inform them of my income decrease, and to request help on one of two credit cards I have open with them, one with a limit of {$1900.00} with an interest rate of 21.49 %. 

I requested deferred payment and was denied. 
I requested lower interest rates and was denied. 

After falling 5 months behind, I was able to catch up with a gift given to me on XX/XX/XXXX,  because emails from Capital One said they would be willing to work with me. 

I called and paid on XX/XX/XXXX and requested a lower interest rate. I was told maybe in the future. 

Please help me find a way to get these interest rates lowered. 

Thank you.
Product: Mortgage

On XX/XX/XXXX, I called Paramount Residential Mortgage Group ( prmg.net, the lender ) for a credit dispute due to an error in the system earlier in the summer ( I did not find out about this error until XX/XX/XXXX when trying to open another loan ). The new lender said I would not be able to proceed with the loan until this credit dispute would be resolved, or at the very least until I'd receive a letter from PRMG explaining that this delinquency was not my fault. My loan # is XXXX and it's serviced by NJ branch of this business. 

After 3 representatives who had problems with their phone ( many of their reps seem to have bad phone lines w/ static ) I was finally transferred to a representative who could hear me. The lady on the phone was polite, and she claimed to have opened 2 work orders : XXXX being the dispute with the credit bureau and another a request for this internal letter from another department ( why their own department is able to see that the error was indeed due to a faulty auto-pay system but isn't able to issue this letter that would take all of 15 minutes to write is beyond me ). She also took down my email for the digital copy of the letter to be mailed to. This conversation took place on XX/XX/XXXX, she promised 7 business days for both. 

I called back on XX/XX/XXXX to confirm that both work orders were being processed, the girl said to expect the credit dispute done by XX/XX/XXXX and the internal letter with explanation for the new lender by " next Monday '' ( XX/XX/XXXX ). Today, after not receiving the letter I called again ( and also encountered 3 reps with bad phones before getting to one that could talk almost 2 hours later ). She said she had the letter in hand and would email it to me. 4 hours later, after no email, I called again, only to be told that no work order for the letter from XX/XX/XXXX exists and it was just recently opened earlier that day. I was told to expect it by XX/XX/XXXX. I asked to be forwarded to the manager, but instead was put back on hold and returned back to the main phone prompt. The manager seemed to be avoiding me. 

Either I was lied to both on XX/XX/XXXX and XX/XX/XXXX by different individuals or their system is broken. This letter explaining that the delinquency was due to error with their autopay system and not my own doing was requested back on XX/XX/XXXX and I need it urgently to proceed with another loan. They lied to me about processing this letter, and about 7-business day turnaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed my social security card, front of my driver license and back of my driver license with a letter yet again requesting Equifax to remove dispute remarks from my credit report. The XXXX XXXX acct in the amount of {$500.00} was opened this year I believe back in XXXX and has never been disputed by me. I totally agree with the balance on the account and the payment history of this account therefore I want the customer dispute remark removed ASAP. The XXXX account in the amount of {$500.00} is still showing with dispute remarks that this account was previously disputed and that is incorrect. I agree with the balance and the payment history of this account therefore again I want all dispute remarks removed from this account ASAP. Finally, XXXX XXXX  XXXX is listed as consumer dispute which is also incorrect. I agree with the balance and the payment history on this account and therefore want all dispute remarks removed from this account ASAP. This is now the 2nd request made to Equifax to have this information removed from my credit report to no avail. Please remove all dispute remarks from my credit report immediately.
Product: Student loan

I have a private loan with Navient from XXXX - XXXX with for-profit college. have worked with them as long as i can but was unable to make payment. was on low interest catch up payment plan I could handle. trying to renew reduced interest repayment plan that was up in XXXX. was told ended in XXXX was told payment of XXXX would remain the same. XXXX bill comes as increase XXXX payment on auto draft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate account listed below is still reported on my credit report in violation of federal law. Please remove or update the account completely from my Credit Reports : XXXX XXXX XXXX Balance : {$590.00}
Product: Credit card or prepaid card

I received the first written letter back in XXXX indicating that my QCARD credit limit had been reduced from {$500.00} to {$100.00} due to no purchase activity on the QCARD. Last year I used the QCARD and paid off my purchase and had not used it since. I received a letter dated XX/XX/XXXX stated that SYNCHRONY BANK has decided to close the QCARD account. The QCARD account has a XXXX  balance and there has been no activity. There reason for closing the account is that they used a credit scoring system to predict my creditworthiness and based upon some information used form XXXX XXXX XXXX. 

SYNCHRONY BANK does not like consumer 's with XXXX QCARD credit balances.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2015 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX  XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting is giving me the WRONG score. I had my credit checked by a mortgage lender just yesterday and was told that it was XXXX. Today I had problems logging into my Experian " account ''. They kept calling via bot to my XXXX XXXX  and did not give me the option for a text. Well, if you start speaking and do not follow the prompts, you will miss the message. They do that to make you give them your REAL cell phone number. I finally outed them on XXXX and I got someone to call me. Today, my score was XXXX!!!! How can it be that big of difference? In one day? They are fraudulently giving me numbers because they want me to purchase their products and I outed them on social media to other consumers who were having trouble because of them. They are retaliating against me! They also told if I wanted to add my yearly income that might help my FICO. Your score is your score regardless! I think they want me to PAY for Experian " boost ''.
Product: Debt collection

I recently requested a copy of my annual credit report and notice an item on it that does not belong to me. It is a credit card by Chase and it has me listed as an authorized user, which I never requested. I send a letter to Chase disputing this account and they did not respond. Now they pull a hard inquiry on my report which I did not authorize. I want this account and the inquiry removed from all of my credit reports since this account is not mine.