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

A critical issue arose regarding the reporting of charged-off accounts by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX as well as the failure to provide the required Form 1099-C for the canceled debt. Despite explicit requests, XXXX XXXX XXXX XXXX failed to provide the necessary documentation. As per IRC Section 6050P, the issuance of Form 1099-C is mandated for accurate reporting of canceled debt. The reporting inaccuracies have the potential to impact the accurate reporting of canceled debt on the income tax return. 

Regarding the reinsertion of information, Experian and XXXX, both credit reporting agencies, violated provisions of the Fair Credit Reporting Act ( FCRA ) by reinserting deleted information without proper notification and by not providing detailed information regarding the verification process. It is requested that Experian and XXXX provide proof of how they contacted to verify the information and the specifics of the information provided. Additionally, the name and occupation of the person who initiated the request to validate the concern, as well as the individual who replied to the credit agency, are requested for documentation purposes. 

Dates, amounts, and actions taken include : XX/XX/year> : Formal request made to XXXX XXXX XXXX XXXX for the issuance of Form 1099-C. 
Failure to Provide Documentation : Despite previous requests, XXXX XXXX XXXX XXXX did not provide the necessary documentation. 
Legal Provisions and Regulations : Numerous legal provisions and regulations, including sections of the Internal Revenue Code, Fair Credit Reporting Act, Fair Debt Collection Practices Act, and others, were cited to emphasize the importance of compliance. 
Reinsertion of Information by Experian and XXXX : Experian and XXXX reinserted deleted information without proper notification and failed to provide detailed information regarding the verification process. 
Request for Documentation : Request made to Experian and XXXX for proof of the verification process and details of information provided. 
This information is intended to be sent to the relevant companies involved for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an identity theft for a loan at Capital One Bank. I never received a loan from Capital One Bank. I have been trying to dispute this loan for over a year. Capital One said it would be removed from record because it was fraud. I have filed several disputes with XXXX and they assured me that the account would be removed from my credit report. It has remained on my credit report I notified XXXX that it was still showing a balance and they said they would take care of it. As of today, I am still receiving credit alerts showing that my credit score has decreased more because XXXX XXXX XXXX  flagged my XXXX account which is not my account and was done through identity theft which was reported to XXXX XXXX XXXX  in XXXX XXXXToday XXXX reports that my account at XXXX XXXX XXXX is 60 days past due. I tried one more one more time several weeks ago to file a dispute on line about the fraudulent Capital One account continuing to show as " negative '', showing a balance and showing payments late on my XXXX  report. I was refused another dispute, instead a notice showed up saying I have reached my number of limits to dispute this account and the account has been closed. 
I first filed the complaint with CFPB  on XX/XX/2018. My grandmother was trying to help me and gave the person on the phone the information about my situation. He put her name on the complaint and sent it to XXXX and Capital One after she asked him if they would accept it with her name on it and he said yes.They sent notice that it was closed because she was a third party filing it. I received a letter from Capital One stating I could call and have my grandmother put on the account so she could speak with them. I called last week to put her on the account. The rep was very rude and said the case had been closed and therefore he could not put her on it, even after I explained I had receiving a letter just the last week advising me that I could do it. This has been the most frustrating, over a year long, stressful thing I have tried to do. It is unacceptable that someone can fraudulently charge something in my name and it goes on my credit report and it obviously takes an act of Congress to get them to actually take it off my credit report. And you are an act of Congress ( establishing your agency ) and I sure hope you can help me.
Product: Credit reporting or other personal consumer reports

I have some late payment reports in the XXXX XXXX XXXXXXXX XXXX account XXXX, please I need you to update my payments on time or else delete those unfairly late payments from my history, thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1300.00}
Product: Consumer Loan

Hello. I began financing an auto loan with Exeter Finance in XXXX 2012 and at that time their customer service division was located in the U.S. Several months ago Exeter out-sourced the entire customer service division to a foreign country including customer service, insurance, finance, and all other matters relating to the loan. I have attempted repeatedly to speak with Exeter regarding new regulations received from my property insurer because the current customer service division is incapable of providing appropriate information regarding U.S. law - can not provide information on insurance requirements or answer questions of any kind. In fact the foreign-based customer service division now utilized by Exeter Finance appears unable to perform any function other than accepting payments. In addition, over the past four months I have received in excess of 7-8 calls per day from Exeter Finance regarding payments. I previously requested to change the due date of the loan closer to the XXXX of the month and it is now due on the XXXX however my pay date is between the XXXX-XXXX each month. A term of the loan provides a ten-day grace period and in each call I state the same information - a payment will be made on the account between the XXXX and XXXX of the month and request that information be noted on the account however it is NEVER done and I receive excessive collections calls from Exeter Finance and I 'm forced to repeat the same information in every call. Also Exeter has now DELIBERATELY MADE IT IMPOSSIBLE FOR U.S. CUSTOMERS TO SPEAK TO U.S. BASED EMPLOYEES AND FOREIGN AGENTS ARE NOT ONLY INCAPABLE OF PROVIDING FINANCIAL REGULATIONS AND INSURANCE REGULATION INFO THEY ARE 100 % UNFAMILIAR WITH THAT INFORMATION AND ARE NOT TRAINED TO PROVIDE IT AND COLLECTIONS CALLS ARE HARASSING AND EXCESSIVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a loan with Coastal Credit in XX/XX/XXXX. Payments were consistently made on time. The vehicle started giving me problems so I initiated a voluntary repossession. The car was returned to the lender XX/XX/XXXX. They are continuing to report a late payment to the credir bureaus EACH month. This is almost 3 years old.  There is no way this tactic can be legal. I've written them several times requesting that the stop, but each month, my credit score drops because they are wrongfully reporting this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX I sent a certified letter to the creditor per Experian credit bureaus response. The response was that the creditor has certified to Experian that the information is accurate. I sent a letter to validate this account by providing documents with my signature. The creditor failed to do so. I then requested Experian credit bureau to furnish me a copy of the documents the creditor used to certified this account, again now Experian failed to do so. 
On XX/XX/XXXX I filed a dispute to EXPERIAN and XXXX credit bureaus disputing these accounts this also was mailed off by US certified mailed. Again there respond was that the account had been certified by the creditor, I requested the documents that they used to certify these accounts and again they failed to provide me with any documentation that proves this account is 100 % accurate. FCRA section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report these items should be deleted. Experian ACCOUNT NO. XXXX AND ACCOUNT XXXX ALONG WITH XXXX ACCOUNT XXXX On XX/XX/XXXX I again reached out to the creditor XXXX XXXX XXXX XXXX per the credit bureaus request asking them to delete these inaccurate accounts. I received a response on XX/XX/XXXX stating that they don't have enough information to process my dispute. Which is ironic because my disputes have all the information that they reported to the credit bureaus and the credit bureaus reported on my credit report that I am disputing as inaccurate. I am enclosing a letter where the creditor XXXX XXXX  reports that the balance on the account is XXXX but the credit bureau Experian and XXXX report XXXX and XXXX they are reporting totally different information which is a violation and the accounts must be deleted per the FAIR CREDIT REPORTING ACT AND THE FAIR DEBT COLLECTION ACT.
Product: Debt collection

I would like for XXXX XXXX XXXX XXXX to show proof of verification that I owe them {$82.00} with ACCOUNT XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now. In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXXXXXX XXXX XXXXXXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Bank account or service

XX/XX/XXXX, I opened a Citigold checking account with promotion code : XXXX. This promotion offered XXXX XXXX XXXX miles after meeting the following requirements : 1. Open a Citigold Checking account by XXXX/XXXX/XXXX - COMPLETED 2. Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank Debit Card - COMPLETED 3. Within 60 days after account opening : Make XXXX qualifying bill pay in two consecutive calendar months - COMPLETED It says the miles will post within 90 days of the end of the month that you completed the requirements. 

I completed these requirements XX/XX/XXXX. On XXXX XXXX, XXXX, I sent a Secure Message to Citi asking them to confirm my eligibility and whether or not I have met the requirements. I got a response on XXXX XXXX, XXXX indicating that I was in fact eligible and I did meet all the requirements. They also said I should receive my miles by the XXXX XXXX statement. 

I called Citi on XXXX XXXX, XXXX asking where the miles were and when I can expect to receive them. They opened up a case to investigate. On XXXX XXXX, XXXX, I received the results of the investigation and was told I was not eligible for the promotion and I will NOT be receiving the miles. This is the exact opposite of what I was told back in XXXX. Back in XXXX, the Citi rep confirmed I was eligible and that I would receive the miles by XXXX XXXX statement. 

How was I eligible in XXXX, but all of a sudden when it comes time to " pay out '' the miles, I am ineligible? That does not make any sense. It looks like a bait and switch to me.
Product: Vehicle loan or lease

Navy Federal Credit Union ( NFCU ) has been at the center of racial animus and discrimination allegations in loan activities. 

I applied for a car loan with NFCU. 

I applied online for a car loan. I was denied but given an email or notification in the application process that I could appeal the denial. 

I waited 10 days to do so to get the denial letter. I called NFCY with the info in the credit report noted as a reason for denial. I also sent a secure message inquiring about the appeal to no avail. 

I verified my credit score at XXXX, job and income data, employer data, cash on hand at other financial institutions, and my home address. All data was verified telephonically with a representative. 

The data wasn't reviewed. I'm still waiting.
Product: Debt collection

On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX JH Portfolio Filed Collection Charges with XXXX and XXXX respectively. On XXXX/XXXX/XXXX I spoke by telephone with XXXX XXXX XXXX, at JH Portfolio Collections. I let XXXX XXXX know that on XXXX/XXXX/XXXX XXXX charged off my accounts and closed it. XXXX reported the Charge Offs to all XXXX ( XXXX ) Credit Agencies, which adversely affected my credit status. On XXXX XXXX, XXXX sold the charged off account to JH Portfolio. I have never heard from JH Portfolio, until their negative collection pursuits were reported to XXXX and XXXX. With this Double Jeopardy, my credit status hit a serious negative declination. And today with JH Portfolio filing collections with XXXX, another severe blow was administered to my credit report of a negative XXXX points. My overall Score is now XXXX. With every reporting by XXXX and JH Portfolio, my credit score has gone down in the latrine. I want JH Portfolio & XXXX onslaught to my credit be STOPPED. Both XXXX and JH Portfolio should reverse the negative scores on my credit. I am exhausted, stressed and at a total loss what to do. I am a XXXX XXXX XXXX Veteran with XXXX, and is fighting a battle to get my health back. On XXXX XXXX XXXX the Department of Veterans Affairs certified me with a XXXX rating of XXXX. I seek immediate relief. Please help. Very Respectfully. XXXX XXXX XXXX
Product: Credit card

I have a Chase Sapphire Preferred account with Chase that was closed. I'm trying to move my assets to Chase Bank ( Checking, Savings and Investment ). As part of that process, I need to re-open that account. The credit card account in question shows up in my online account, I just need to re-open it so that I don't have to re-apply for the card. If Chase can re-open it and change the Preferred to Reserve even better. I'd be happy to pay the annual fee right away.
Product: Credit card or prepaid card

I had an unfortunate situation happen and I knew I was going to need some assistance with making payments on my capital one credit card. I called and the company gave me 3 months assistance by not charging me late fees as long as I made a {$50.00} payment each month. So I got back on track from my situation and I went to purchase a new home and I find out they put 2-30 day lates ; XX/XX/2019 and XX/XX/2019 on my credit. So I sent the credit bureaus copies of the letter stating they wouldnt charge me late fees and the credit bureau said the information wasnt gon na change. So Im trying to see how is it they said they wouldnt charge me yet attack my credit.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I strongly object to the findings of your investigation. Despite your efforts, the following incorrect items on my credit report remain unresolved. It is imperative that you conduct a thorough reinvestigation into these matters as they are severely damaging my credit rating. 


Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Your cooperation and prompt attention are legally required.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

A charge for {$29.00} that posted XX/XX/2020 on one of my accounts was not made by me, therefore I was not aware of the charge. I received no notification that I had a balance on my credit card XXXX the card was previously at {$0.00} XXXX from XXXX. The payment went 30 days delinquent in XXXX, which is how I found out about the charge in the first place. I paid down the balance to settle the account, thinking it was a membership fee until I investigated further and realized it was fraud. I have disputed this charge with Transunion and XXXX 3 times. Neither bureau has removed the derogatory mark from my report. My dispute with XXXX removed it on the first try, so their investigation obviously concluded the charge was fraud and verified my concern with the bank. 

With Transunion and XXXX being used so often by companies for credit checks, it is imperative that this inaccurate mark that has a massive impact on my credit score be removed immediately, for each bureau. It has already hampered my ability to attempt to consolidate my debt. These companies have a major responsibility to do better with so much power over ones financial health.
Product: Debt collection

Credit Collection Services of XXXX MA, has sent a notice of debt from a company I have never dealt with. The cable company does not even do business in my area. I have lived at the same address for over 20 years, so did not recently move leaving unpaid bills. The letter states that if I do not notify them that I dispute this erroneous bill, they will assume this debt is valid. Apparently this company is known for the practice of sending out claims to anyone with a similar name. I have notified them in writing by certified mail that the debt is not mine. ( The cost of a certified letter, return receipt is now {$6.00} ). Credit collection companies should not be allowed to shift their burden of locating debtors to the general public. Their inclusion of a payment slip and return envelope for payment is misleading and deceptive to those who may not recognize the claim for payment is bogus. The debt collection company should be required to send documentation proving the basis or validity of their claim with the letter. For example, if this is a cable bill, state the address where the service was received. Thank you.
Product: Student loan

my personal and financial information was compromised without my authorization. FERPA protects the confidentiality of student records. The breach violates the contract and renders it null and void Due to violation of the family educational rights and privacy act FERPA 20 U.S.C 1232g 34 CFR Part 99. and any federal privacy laws.

The institution failed to protect my educational and financial records.
Product: Mortgage

On XX/XX/XXXX, I reached out to Freedom Mortgage, my lender for the mortgage of my home to begin a process to re-appraise my home in an effort to remove my PMI. During this phone call with Freedom Mortgage, they agreed that the next step if I want to remove my PMI is to set a time with an appraisal service of their choosing ( XXXX XXXX XXXX XXXX ) and if my new appraisal is high enough in value, then my PMI may be removed. 

The same day, I reached out to XXXX XXXX XXXX XXXX, who submitted a request to a customer representative of Freedom Mortgage ( XXXX XXXX ) who processed the request. I proceeded to pay {$460.00} to get my home appraised. The home was appraised on XX/XX/XXXX. 

On XX/XX/XXXX, I received an appraisal value from XXXX XXXX solution at a value that will be more than enough to remove my PMI. So I called Freedom Mortgage that same day and through a long discussion they then stated that they can not remove my PMI until I have had my loan for 2 years, which they have never mentioned before as can be confirmed by our record phone calls ( XX/XX/XXXX would be the official 2 year mark ). Additionally, that same day at the end of at least a one hour conversation, the freedom mortgage representative said she will reach out to the " higher ups '' who will give me a phone call to discuss this further within 72 hours, which they never did. So now I have not only not been able to get my PMI removed, but I have spent {$460.00} on an appraisal that is pretty much useless to me. 

At this time, I have enough principal balance/equity to reach a value of less than 78 % of my home worth. I have never made any late payments to the mortgage company. In addition, each month I pay additional principal for the sole goal of removing my PMI which is a significant burden to my financial income. 

I hope by filing a complaint to CFPB, Freedom Mortgage will remove my PMI.