23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, 2015 my home windows were plastered with Trustee Sale papers for all my neighbors to see. 

I immediately called XXXX XXXX, the " single point of contact person '' assigned at Caliber home loans to find out whatwas going on. When i called she said, that caliber and trustee corps were going to sell my home of 17 years. I told her that this would be a grossviolation of my home-owner bill of rights due to the following:1. I was in an active " Dispute of the alleged Debt '' from XXXX and that I did not owe the alleged amounts that they are alleging. 

2. I have an active " Request/Demand for production of QWR and Debt Validation proof '' 3. I have an active " loan modification '' package on this account if and when Caliber can establish the " alleged amounts that they are claiming as due. 

4. I have not received any mail. email nor phone call with notices of any default or of the upcoming foreclosure sale. 

5. She said that Caliber got this account XXXX and that they took it and they did not have to communicate anything I told her that I have not received any good bye mail nor notice of the previous XXXX nor a hello or notice of Caliber as the foreclosing bank or entity and that she and I spoke in XXXX XXXX and that she was going to mail me information which i never received, never the less I sent them an " official debt dispute '' on XXXX and since then have n't received anything from them. 

Therefore, they should immediately " stop '' the sale of my home. 

As of today, they are changing my single point of cantact, have not given me any information and appear to be pushing to sell my home of 17 years. 

I need your help to stop them from doing so especially, while all of this is being sorted out and investigated.
Product: Credit reporting

I paid equifax XXXX to unfreeze my account permanently. Last week I applied for a mortgage and found out it is still frozen. When I called I could barely understand the woman. but I Think she said I temporarily did it twice ( after saying there was no record ). I never did this. all I want is for it to be unfrozen like I asked them to do. not try to get another XXXX dollars out of me and ask for some code no one gave to me. I do not know what to do. THank you for your help and time.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

On XX/XX/year>, XXXX XXXX and XXXX XXXX went to Rooms to Go and purchased furniture. The purchases were made over several orders. Some of the orders were supposed to be charged to XXXX 's card and some to XXXX card. 



After reviewing and comparing the documents that you provided with the documents that Rooms to Go provided, we believe the problem occurred with the order ending in XXXX. A copy of the full XXXX XXXX received from Rooms to Go is attached as here as Exhibit A. A review of Exhibit A, shows that XXXX XXXX was revised three times with the final total amount of the Order being {$2600.00}. It appears from Exhibit A that Rooms to Go agreed to apply a store credit of {$1200.00} to the Order leaving {$1300.00} owed on the Order. Exhibit A shows that XXXX signed the Order on XX/XX/year>, and agreed for his Synchrony Rooms to Go Card ending in XXXX to be charged for the {$1300.00} that was owed for the Order. Exhibit A contains XXXX signature and an approval number of XXXX for the {$1300.00}. 



Although this transaction was approved on XX/XX/year>, XXXX Synchrony statement issued on XX/XX/year> does not include the charge. XXXX XX/XX/year> statement is attached hereto as Exhibit B. ( I did note, however, that the statement appears to reflect that his available credit was reduced by {$1300.00}. ) Instead of being charged to XXXX Synchrony account, a review of XXXX Synchrony statement issued on XX/XX/year> shows that the {$1300.00} owed for Order XXXX was charged to XXXX account on XX/XX/year>. XXXX XX/XX/year> statement is attached hereto as Exhibit C. This unauthorized charge put XXXX over the limit and caused her to incur over the limit fees. Rooms to Go has not provided any evidence that XXXX ever agreed to have Order XXXX charged to her card.
Product: Mortgage

I called my loan servicer several times last year attempting to set my account on automatic payments. I was told I was ok. 1 month later I noticed a late payment on my credit report. I have been fighting with them for 1 year to have this removed. This is absolutely ridiculous and negligent on there behalf. I have written a letter to the Governor of California. I will not let this go. This is absolutely unacceptable. I am currently looking to buy my second home and the this 1 late payment is causing serious confusion and concerns. Please help
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and as allowed under the Fair Debt Collection Privacy Act ( FDCPA ), I am requesting that you validate the alleged debt with XXXX XXXX XXXX and provide proof of proper investigation. Please provide me with a breakdown of all charges and dates of service. Additionally, reporting of this debt prior to allowing me to validate may be a violation of the Fair Credit Reporting Act ( FCRA ), which can allow me to seek damages from your collections agency. I will await the proof for 30 days, and if proof is not provided it is considered invalid and I expect XXXX XXXX XXXX  to be removed from my credit report. 
All Accounts are listed below : NXXXX XXXX XXXX Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Experian for Failure to Investigate and Comply with Federal Laws Regarding Charged-Off Debt and 1099-C Reporting Dear CFPB, I am writing to formally file a complaint against Experian for their failure to investigate and comply with federal laws regarding charged-off debt and the reporting of Form 1099-C, as required by the Internal Revenue Service ( IRS ). Experians actions, or lack thereof, are causing significant harm to my credit profile and are in violation of established laws and regulations.

1. Failure to Comply with IRS Regulations on Charged-Off Debt and 1099-C Reporting According to the IRS, when a creditor discharges a debt of {$600.00} or more, they are required to issue a Form 1099-C to the debtor, as this discharged debt is considered taxable income. The IRS explicitly states : If a debt is canceled, forgiven, or discharged for less than the full amount owed, the amount of the canceled debt is generally taxable income to you.

( Source : IRS Publication 4681, Canceled Debts, Foreclosures, Repossessions, and Abandonments, available at www.irs.gov ) Once a debt is charged off and a 1099-C is issued, the debt is considered income and should no longer be reported as a collectible debt. However, Experian continues to report these charged-off accounts on my credit report, which is inaccurate and misleading.

2. Experians Policy on Income Reporting Experians own policies state that income is not reported on credit reports. If a charged-off debt is considered income under IRS regulations , it should not be reported as a debt on my credit report. By continuing to report these charged-off accounts, Experian is violating their own policies and misrepresenting my financial standing.

3. Demand for Removal of Charged-Off Accounts I demand that Experian immediately remove all charged-off accounts from my credit report, as these debts have been discharged and are now considered income under IRS regulations. Their continued reporting of these accounts is inaccurate, misleading, and in violation of federal law.

4. Legal Action if Compliance is Not Met If Experian fails to investigate and remove these charged-off accounts from my credit report, I will have no choice but to pursue legal action against them for their failure to comply with federal laws and their continued harm to my credit profile. 

I request that the CFPB investigate this matter and ensure that Experian complies with all applicable laws and regulations. Please provide me with updates on the status of this complaint and any actions taken. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Last 4 of SSN : XXXX
Product: Debt collection

Sent for validation of debt in accordance with the FDCPA and was not validated nor removed instead they are offering settlement ( s ) on a debt or contract I have not made with this company. NCB Management Services, INC has kept my credit from showing it's true score and has kept my family from benefiting from a true credit history. I have never made any contract or agreement with this company and they have not been able to prove that I owe this debt to them. Furthermore ; I nor my family was ever served properly on this account since we do not live in Pennsylvania.
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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 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 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 
XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  # XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

Im disputing several incorrect details on my Equifax credit report that remain unresolved despite a previous complaint, potentially harming my credit profile. My correct legal name is XXXX XXXX XXXX, but Equifax lists an incorrect variation under " Also Known As. '' The employer listed as XXXX XXXX XXXX is incorrect as it should be XXXX XXXX. These errors have caused me a lot of stress and frustration, as they damage my financial reputation and make me concerned about identity theft. Under the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to dispute incorrect information and that credit bureaus are required to investigate and make sure everything is accurate. I believe these personal details violate that standard of accuracy, and Id like some help to finally get this sorted out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has filed 3 corrections to Experian regarding my XX/XX/XXXX payment. It was erroneously reported as 30 days late. 
XX/XX/XXXX AUD # XXXX XX/XX/XXXX AUD # XXXX XX/XX/XXXX AUD # XXXX Experian claims XXXX confirmed the report of 30 days late. XXXX claims what Experian claims is false and uses the above three AUD numbers and dates to prove they are not reporting my XX/XX/XXXX payment 30 days late.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX- {$690.00} The following items are inaccurate and/or an error. I am demanding these items be deleted as independently the following credit bureaus say the debt has been verified, but that is not possible since there are still inaccurate/omitted/conflicting items. 
XXXX : o In the payment history its marked as late, but also a charge off they can not be the same o XXXX reports last payment of XX/XX/XXXX, but Transunion reports XX/XX/XXXX o The account is charged off which requires the company to send me a 1099C which they have not. 
o The closed date has No info XXXX : o XXXX reports last payment of XX/XX/XXXX, but XXXX reports XX/XX/XXXX o The account is charged off which requires the company to send me a 1099C which they have not.

o Transunion o XXXX reports last payment of XX/XX/XXXX, but Transunion reports XX/XX/XXXX o The account is charged off which requires the company to send me a 1099C which they have not.

o Worst payment information says No info o In remarks it is indicated as charged off, but still has a balance which is not possible.

o In the Times 30/60/90 days late, it shows all XXXX but is charged off. Both are clearly not possible.
Product: Credit reporting or other personal consumer reports

Somebody has all my personal information and he keeps unlocking my credit file after I told XXXX 3 days ago to put an EXTENDED fraud alert on my file for 7 years. They are also monitoring all my communications phone, internet, mail. Everything. I have XXXX privacy. After I asked for help with a credit card my bank calls me closed my account and takes my debit card. It has always been this way. My small business are being used by someone else and my credit is being used by someone else to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX stated that they do not report bankruptcies to the credit agencies. Either this is a mistake, or this is a lie. Please remove immediately.
Product: Checking or savings account

I checked my direct deposit, which is split into two accounts. I noticed that my account with XXXX XXXX XXXX had funds deposited from my employer. I went to check my capital. One bank account and noticed that no funds had been deposited. I contacted my employer and was told that funds had been deposited into capital one. I called Capital One and got an estimated time of deposit. And they said it would be resolved by the end of the day on the XXXX. It is now the XXXX  and no funds have been deposited. I also received an email that said this issue would be resolved by the XXXX.
Product: Credit card or prepaid card

My balance on my commenity credit card from Lane Bryant had a balance of around {$290.00} that needed to be paid. I went online and selected to pay the whole amount off in one time in XXXX of 2022. Somehow they did not take {$2.00} off of my account and didnt try to contact me until around XXXX. My account is now up to a {$84.00} balance that I supposedly owe. The first time I called I stayed on the phone for almost an hour and the man told me he had fixed the problem and that I would not have to pay any of the fees after he took the {$2.00} off of my account. After the money was taken off of my debit card the credit card was supposed to be canceled. There is still a balance of {$84.00} and still growing because they will not take the fees off. I have called them 4 times and every time I get told that they are going to fix the problem they hang up on me. Ive tried getting help from the company, but they are not interested and would rather hang up and keep charging me late fees.
Product: Credit reporting or other personal consumer reports

Experian had failed its legal obligation under the Fair Credit Reporting Act { FCRA } to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau { CFPB } has recently filed a lawsuit against Experian, alleging syntenic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed.
Product: Checking or savings account

On XX/XX/2021, after simple bank was shut down by BBVA, I attempted to create a username and password to access my online banking. This process failed with a " system error '' message. 

Later that same day, the website informed me that the account creation was actually successful, and that I should attempt to login with username and password I created initially even though it ended with an error message. This process failed, and my account was locked and I was presented with an error message that I must call customer service to unlock my account. Since this was a weekend, there was no customer service available. 

On XX/XX/XXXX, I was informed that customer service would be available to assist with transition, with a phone number on the website of XXXX. Upon calling this number I was greeted with dead air. Over the next two hours, I attempted to call this number again, thinking it was a glitch. After my fourth attempt I reached a representative who did not respond to my questions acting as if they could not hear me, I was then hung up on.

This process repeated itself sixteen more times. Sometimes reaching dead air, sometimes reaching a representative who either claimed to not be able to hear me, or simply hanging up as soon as I spoke.
Product: Checking or savings account

On XX/XX/2022 got notification that account was frozen after I transferred {$4000.00} to account from within the banks money transfer system. They pulled the money from my other bank that was linked. I tried calling the number they told me to call but it never actually directs you to a customer service representative it just gives option to leave voicemail. They never respond back or told me reason for freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account, please delete : XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to credit bureaus for outdated and inaccurate information to be removed off my credit report. I didn't get any response within 30 days. All three credit agencies did not respond.
Product: Credit card or prepaid card

.On XX/XX/XXXX of this year, I contacted CapitalOne to find out how they are applying my payments to the 0 % balance transfers that I currently have. 
XXXX ( on XX/XX/XXXX no last name supplied ) and a XXXX ( on XX/XX/XXXX refused to give a last name ), both told me that most of the monies from the payments I made were applied to the 0 % that were due the soonest ( and were the oldest ). 
Yet as I looked over the last 6 statements, I saw that it was not occurring. 
And to complicate matters, CapitalOne admits to, and says corrected, a glich in their balance transfer system. I transferred {$2600.00} on XX/XX/XXXX as a 0 % transfer for 18 months, 3 % fee. Yet their software changed it to 25 % interest, no fee, on {$2600.00}. 
That has been corrected. 
BUT the big problem is that once the {$2600.00} was changed to 0 % ( with 3 % fees applied due XX/XX/XXXX ), all the monies that I sent to CapitalOne were now being applied to the {$2600.00}, not the {$4400.00} that was due to lose 0 % in XX/XX/XXXX. 
For the XXXX statement the amount was {$4400.00}, for XXXX the amount was {$4400.00} and then for XXXX the amount was {$4200.00}. 
Yet the 0 % due XX/XX/XXXX was now at {$950.00}. 
And the 0 % due XX/XX/XXXX is at {$3400.00} I budgeted out every 0 % balance transfer I made, yet the largest and soonest due was not applied the correct funds. 
And they refuse to rectify this problem. And I will have to come up with over {$3000.00} to keep from paying 25 % interest on the original amount of {$5000.00}
Product: Mortgage

This is a follow up to complaint # XXXX We were finally able to work with a manager, XXXX XXXX XXXX in resolving unapplied payments to our loan. We have been in phone contact and email since mid XXXX. He has given us verbal assurances that all unapplied payments, ( over {$30000.00} ) have been applied and any fees that were associated with that have been reversed. 
I have asked multiple time via phone and email, the latest being XX/XX/XXXX to provide us with a detailed print out of all applied monies and reversal of any fees. He has verbally stated that he would do so. When I last emailed him, he turned our case back over to the customer service pool. A representative, XXXX, called my husband on XX/XX/year> and assured him we would have a print out followed with a return phone call by the end of the week XX/XX/year>. As of XXXX XXXX, end of business on Friday, we do not have a statement or a phone call. I have emailed XXXX today, XX/XX/year> to once again request a full accounting of all payments applied and reversal of fees. 
At this point, I feel the company is not acting in good faith and is purposely withholding information regarding our account and our payment history in order to deceive us as a means to collect more interest. We have made it very clear to the company that we wish to get the matter settled and then get a payoff amount so we no longer have to deal with this unethical company. 
Any assistance on your part to help us would be greatly appreciated. 
XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has two predatory lending practices. 

1. Reports inaccurate balances 2. Reports under two different names for the same credit account. 

I would like to request an investigation into their practices and a letter denouncing their deceptive practices so that I can have my credit report updated.