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

Request to Block Fraudulent Information Due to Identity Theft Under the FCRA I am writing to formally inform you that I have fallen victim to identity theft, resulting in the presence of inaccurate or fraudulent information on my credit report. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I request that this information be blocked from my credit file immediately. 

The FCRA requires credit reporting agencies to block information identified as resulting from identity theft within four business days of receiving the following : 1. A valid identity theft report ; 2. Identification of the fraudulent information on the credit report ; 3. A statement from the consumer confirming that this information does not pertain to any transaction they authorized. 

I trust you will act swiftly in accordance with FCRA Section 605B to block this information from my credit report. Please provide written confirmation once this action has been completed. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been trying for several months to have PMI removed from the account. I contacted the company via phone on XX/XX/XXXX. They told me to call back after 30 days, which would allow them time to investigate. I called again on XX/XX/XXXX and was informed that nothing had been done regarding the issue. I contacted the company on XX/XX/XXXX and was told that the problem appears to be that the system is incorrectly showing lender paid PMI. I have not heard anything more. In the meantime, we continue to pay PMI every month.
Product: Credit reporting or other personal consumer reports

For several months, I've attempted to apply for both a XXXX XXXX card preapproval and a XXXX card with my credit freeze lifted. However, both banks claim they can not access my unfrozen credit report. Despite multiple calls, Ive made no progress. The XXXX application even resulted in XXXX hard pulls on my Equifax report, yet they were still unable to view it. Why can't these banks access my credit report? XXXX attaching proof from XXXX XXXX and XXXX, as well as confirmation that my credit freeze has been lifted. I even tried completely unfreezing it, but the results were the same. This situation is unacceptable, and I can not resolve it without identifying the issue and receiving competent assistance.
Product: Debt collection

I contacted the debtor to let them know that an attorney was handling the medical bills as a result of an accident. It took months to resolve but was eventually paid in full by the insurance company. The company continues to report negative information on my credit report and I have contacted them through the XXXX main XXXX and they have refused to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX and WELLS FARGO CARD SERVICE has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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

I have tried to dispute the Bank of America credit card information showing on my credit report with all three of the credit bureaus back in XX/XX/XXXX and again on XX/XX/XXXX & XXXX XXXX. I contacted Bank of America on XX/XX/XXXX and was told by 5 different representatives that they do not have a closed credit card account for me and that they only show closed checking and savings account with them in their system. I asked if they could send information to the bureaus correcting this but was told they would have to have an account to access in order to update this misinformation with the bureaus. I disputed the account again and have already received results from XXXX stating that the account came back as verified and will remain. I do not understand how they are validating an account that Bank of America can not pull up when I called them directly. I provided the full account number that one of the XXXX representatives provided to me and Bank of America could not pull it up in their system. Please assist! Thanks in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for housing with XXXX XXXX. I applied the first time and was advised of credit with my partner and income. I applied a second time was denied. I asked for the report from Amrent and in the report is a criminal report for XXXX XXXX XXXX State of Georgia Case Number XXXX XXXX : XX/XX/1977. This person is not me and now Amrent states they got the information from Rapid Court could not provide where or who they are. They have a full copy of my Florida drivers license showing the information does not match. The alleged person they say I am is still on probation. I have requested all the documents for the above person, to prove that I am not that person to include mugshot and all information collected by the Georgia Department of Corrections. I have been denied housing due to there lack of reviewing information that was paid for.
Product: Debt collection

Lender ( XXXX XXXX / XXXX ) filed for bankruptcy in XXXX XXXX. Debt for 155,000.00 made XXXX XXXX included in chapter XXXX Loan transfered to several different collectors. Asserts TILA & RESPA violations ; Request any and all copies of MERS transactions XXXX CFPA violations
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ACCOUNTS 1. XXXX XXXX account number XXXX XXXX - XXXX XXXX XXXX. XXXX XXXX  Account Number XXXX 3. DEPT OF EDXXXXAccount number XXXX, Loan ( 02 ) 4. DEPT OF EDXXXX Account number XXXX, Loan ( 01 ) I TALKED WITH THE DEPT OF ED/AIDVANTAGE ON, XXXX, i SPOKE WITH THE CUSTOMER SERVICE DEPARTMENT EMPLOYEE XXXX XXXX XXXX WHOS BADGE XXXX IS XXXX. I REPORTED TO EDXXXX THAT THESE STUDENT LOANS ARE FRAUDULENT, AS A RESULT OF IDENTITY THEFT. THE DEPARTMENT OF ED/XXXX  SAID THEY ARE SENDING ME A PACKET TO SIGN SO THEY CAN DISCHARGE THE LOANS AS FRAUD AND REMOVE THIS FRAUDULENT STUDENT LOANS FROM MY CREDIT REPORTING HISTORY. REGARDING XXXX  XXXX, I HAVE TWO FRADULENT ACCOUNTS. I TALKED WITH XXXX  XXXX TODAY, XXXX AND XXXX  XXXX IS DOING AN INVESTIGATION ON THESE FRADULENT CREDIT CARDS THAT DO NOT BELONG TO ME. I SPOKE WITH AN EMPLOYEE NAMED XXXX, WHOS EMPLOYEE ID NUMBER IS XXXX, ON XXXX
Product: Debt collection

I checked my credit with all credit reporting agencies on XX/XX/year> I am writing regarding the alleged debt associated with account AMERICAN FIRST FINANCE XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX in the amount of {$3900.00} which is reporting to my credit report as charged off as profit and loss write-off. As of this date, I have not received a Form 1099-C for this cancellation of debt, which is required to be provided under IRS guidelines Internal Revenue Code Section 6050P for debts forgiven in excess of {$600.00}.

I am formally requesting that you issue a Form 1099-C as required by law so that I may accurately report this on my tax return. Please note that failure to provide this form may subject your company to penalties as outlined by IRS regulations. Per IRS instructions, Form 1099-C must be issued by XX/XX/XXXX of the year following the debt cancellation. For more detailed IRS guidance on this, you can refer to **IRS Publication 4681**.

If the 1099c is not issued to me, I will be forced to file a 3949a or form 211 whistleblower form with the Internal Revenue Service.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit card or prepaid card

On XX/XX/XXXX we obtained credit from Wells Fargo ( classified as XXXX XXXX - issued through our HVAC vendor ) to cover the expenses of a major purchase in the amount of approximately {$9900.00}. For this loan we were given a special interest rate of 9.9 % APR. Most months we paid slightly more than the minimum payment ( minimum payment was {$180.00}, we payed {$200.00} per month ). 

We have not made any other charges to the credit card until XX/XX/XXXX, when we experienced another need for expensive repairs. Since we were using the same vendor we asked if we could charge the cost against the same card and asked if Wells Fargo was offering any special finance terms. The woman in the finance office contacted Wells Fargo and we learned that there was a special finance offer of 0.0 % for 18 months. We elected to take advantage of this offer. 

When the new charge appeared on our credit card statement I increased the amount of our payment to $ XXXX/Month. On my XX/XX/XXXX statement I noticed that the loan amount of the no interest loan was not decreasing enough on monthly basis for the loan to be paid off in 18 months ( the balance on the no interest load was decreasing each month {$57.00} ). So for the XXXX payment I increased the amount to {$290.00}. When I received my statement for the following month, the amount applied to the no interest balance was still only {$57.00} ). 

I called Wells Fargo to ask what I need to do to reduce the balance on a monthly basis in order to pay it off at the end of the special rate period. I was told that there was nothing that I could do, that the way they apply payments is to apply first to the balance against which interest is charged, then once that balance is paid in full the payments will be applied to the no interest portion of credit card balance. Either what she told me is not entirely true, or I misunderstood what she said, since they are applying {$57.00} against the no interest balance each month. If the monthly payment was being applied against the outstanding balance with interest then the no interest balance would not being reduced at all. 

The no interest balance has a APR of 28.99 % and this interest is being deferred, and if I do not pay off this balance within the allotted timeframe then I will be charged the entire deferred interest charge, which will be slightly less than the original loan amount. 

The way Wells Fargo is applying the monthly payments makes it impossible for me to pay the no interest loan prior to special terms end date. This practice seems deceptive and predatory, especially given the fact that I made an effort to arrange to direct my payments to pay off this balance within the agreed timeframe.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The payment was made on time, as evidenced by the attached bank statement showing the transaction on or before the due date. 
Natural Disaster Accommodations : This account was affected by a natural disaster, which should have precluded any late payments from being reported during the affected time frame. 
Clerical Error : There was an administrative error on the creditors part, not reflective of my actual payment behavior. My consistent payment history supports this claim. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Debt collection

I have informed both Credit Reporting Agencies on XX/XX/XXXX of the inaccuracies and have asked them to have the Collection companies remove them from my report. I explained how I had medical insurance at the time and the insurance company paid 90 % of the bills. However, they refused to pay these smaller bills claiming I had secondary insurance ( which was inaccurate ) Now, out of the 2 I sent into XXXX regarding XXXX XXXX reporting have been addressed but only 1 was removed. 

Plus, my other complaint is by filing a complaint/request with XXXX they have lowered my score by over XXXX points. I do not understand as if anything my score should be going up as nothing negative has been added and 1 negative item was removed. 

XXXX XXXX XXXX ( Collections ) XX/XX/XXXX - {$3100.00} XXXXXX/XX/XXXX - {$510.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and disputed this with the companies I also have sent them in police reports and other information and theyre still updating and sending the same information to the credit bureau without deletion
Product: Money transfer, virtual currency, or money service

I used cash apps cash card to make a purchase on XXXX for a XXXX XXXX gift card after getting the gift card i attempted to use it but it didnt work so i contacted the XXXX seller and they refused to refund me or give me a new XXXX XXXX i contacted cash app for a dispute and it was denied within a few days i then created a 2nd dispute and a CFPB complaint with further info but now 2 weeks later it was denied again for the same ground " the merchant fulfilled its service or product '' once again my whole point is they didnt and i was scammed and now i am beyond XXXX XXXX. dates : purchase XX/XX/2023 dispute date XX/XX/XXXX denied the 2nd redipsuted on the 3rd denied on the XXXX
Product: Money transfer, virtual currency, or money service

From early XX/XX/XXXX it finally became evidence that my wife and I were defrauded by a clone company XXXX XXXX. The criminality was confirmed through the XXXX reserve banks formal warning and also through communication in Early XX/XX/XXXX with a legitimate director ( who refuted clone company emails and information ) thus providing me with the information that in fact we had been defrauded through a sophisticated criminal enterprise ( taking on the identity of a legitimate company ).. 
In XX/XX/XXXX as first step we invested in a small amount USD XXXX proposed for an equity purchase of XXXX to which we went ahead ( based on the clone XXXX XXXX remittance that as provided ) which in turn created the first transfer through to their US account ( held by JP Morgan Chase Bank / receiver entity in XXXX XXXX XXXX?? 

Steps XX/XX/XXXX sort recovery of the USD XXXX funds that I wired ( per attached Wire copy ) to XXXX XXXX XXXX XXXX or a fraud entities JP Morgan Chase Account Details Receiver entity XXXX XXXX XXXX XXXX ( as a receiving entity for a Fraud scheme by XXXX XXXX that was a clone company not legitimate ) may also be fraudulent I tried to email XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on two emails on their site ( XXXX and XXXX ) but both bounced? 

Then a call to JP Morgan Chase USA for our Funds to be returned on in XX/XX/XXXX ( to JP Morgan chase and this was from a phone call ( to which customer service told us this was their method of complaining ) this process has been ignored as JP Morgan chase will only be motivated to act with a Court Subpoena Late XX/XX/XXXX posed JP Morgan Chase a Dispute letter with evidence. 
Also of note relating to the larger payment USD XXXXXXXX payment made to the XXXX XXXX Fraud Scam was a fraudulent letter provided by US company XXXX XXXX XXXX XXXX XXXX XXXXl that let me to believe the larger payment was supported by XXXX XXXX XXXX ( as the customer in this transaction ) I am attempting to recover the losses and would also like to know if the CFPB can assist through any insurance / indemnity funds in the US as well as recover the bank transfer ( USD XXXX to JP Morgan Chase )
Product: Debt collection

Company is Tiempo/XXXX XXXX XXXX. Have been calling my job phone every single day, 5-7 times a day, to collect a debt, since before XX/XX/2019. My director and myself have repeatedly requested them to stop calling my job, ( XXXX ). The ladies are extremely belligerent and rude. They call me non stop on my cell, after hanging up the job phone. I have recently mailed a certified mail cease/desist request to them or the TX Attorney General office will be notified. I just finished doing an online complaint with the FCC, as well. My mother just recently passed away and I have financially gotten behind. I told the lady this morning, that I know I owe and when I get money, they will get a payment and AGAIN, requested to stop calling my job and harassing me. They will NOT stop calling my job, after REPEATED requests, from myself, as well as my director. I work in an XXXX XXXX. Please help me to stop these people from calling my job, my cell phone and the phones of my family members. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received correspondence from Nelnet Student Loan servicing that my Department of Education Loan ( account ending in XXXX ) was subject to Cares Act forbearance during which I would not need to make payments and no late reporting would be made to Credit Bureaus ( see Cares Act notice ). 

On XX/XX/XXXX, I paid off my Department Of Education loan in full ( see Paid in Full letter ). 

According to my Payment History with Nelnet ( see Payment History ), the forbearance period for my loan ended in XX/XX/XXXX. Subsequently, late payments and delinquencies were reported to credit bureaus when loan payments were not made between XX/XX/XXXX and XX/XX/XXXX ; the account was marked 90 days late ( see XXXX XXXX, XXXX account summary ). 

Nelnet never notified me that my loan was no longer in forbearance prior to XX/XX/XXXX after receiving he Cares Act Notice. The Cares Act Notice clearly states advanced notice was to be provided prior to forbearance period ending. I never received such communication from Nelnet ( see Nelnet Inbox ).

My Nelnet student loan was improperly reported late to credit bureaus and Nelnet and Credit Bureaus have not fixed the problem despite repeated disputes and correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has consistently provided false information to the CFPB, on XX/XX/2022 I submitted a CFPB complaint about TransUnion s failure to do a proper investigation into my dispute. TransUnion closed out the complaint today on XX/XX/2022 stating that their investigation was completed. However this a FALSE STATEMENT, I have enclosed evidence that TransUnion has not even started the complaint until XX/XX/2022 and the complaint is still in progress as per their own website. I have enclosed proof of TransUnion, s violation of the FCRA ONCE AGAIN. Disputed Account Name : XXXX BANKRUPTCY/ Account Number : XXXX.