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

Subject : Formal Dispute of Inaccurate Credit Reporting and Demand for Compliance To Whom It May Concern, I am formally disputing the inaccurate reporting of accounts listed on my credit report under 15 U.S.C. 1681s-2, which mandates the accurate and verifiable reporting of consumer information. 

The accounts in question : 1. Account Name : XXXX XXXX XXXX XXXX Date Listed : XX/XX/year>2024 2. Account Name : XXXX Date Listed : XX/XX/scrub> 2024 3. Account Name : XXXX Date Listed : XX/XX/scrub> 2024 4. Account Name : XXXX XXXX XXXX XXXX date Listed : XX/XX/year>2024 5. Account Name : XXXX XXXX XXXX Date Listed : XXXX XXXX, 2024 These accounts are erroneously reporting a balance despite being charged off. If these debts were truly written off, continued reporting of a balance is both inaccurate and misleading, violating the Fair Credit Reporting Act ( FCRA ). 

Additionally, under IRS guidelines ( 26 U.S.C. 6050P ), a creditor that cancels a debt exceeding {$600.00} is required to issue a 1099-C form to the borrower and report the cancellation to the IRS. I have not received a 1099-C form for either account, raising concerns about the creditors ' compliance with federal tax laws. Failure to issue a 1099-C form may constitute non-compliance, which I have the right to report to the IRS.

I formally demand the following actions : Provision of the 1099-C Form If these debts were charged off or written off, provide copies of the 1099-C forms for my records.

Verification of the Balance Provide documented proof of the current and accurate balance, along with records of any collection activity.

Permanent Deletion of the Accounts If the debts have been canceled, unverified, or inaccurately reported, I demand immediate removal from my credit report under 15 U.S.C. 1681i ( a ) ( 5 ) of the FCRA.

Failure to comply within 30 days will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Internal Revenue Service ( IRS ) for potential violations of the FCRA ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and IRS tax reporting requirements.

This matter requires immediate resolution. Please respond promptly to avoid further regulatory scrutiny. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX my online banking account was hacked and 4 unauthorized transactions were made using my debit card ending in XXXX. 

I have reported this to Regions Bank on XX/XX/XXXX. 

These transactions were XXXX XXXX {$2000.00} XXXX XXXX {$2000.00} XXXX XXXX {$2000.00} XXXX XXXX {$200.00} Total of Fraud transaction = {$4700.00} Facts Are As Follows : 1 ) My online banking credentials were hack and an unauthorize change of my online credentials occurred on XX/XX/XXXX. 
2 ) The fraudster/hacker moved all the money from my saving accounts to my primary checking account ending in XXXX. 
3 ) After the money was moved to my primary checking account, the fraudster/hacker made 4 unauthorized transactions as noted above. 

Regions bank as not given me my money back. 
This event occured on XX/XX/XXXX and as of today XX/XX/XXXX, I have been issued a credit.
Product: Checking or savings account

My debit card was used in XXXX XXXX XXXX ATM withdrawals. Also used at XXXX XXXX XXXX I filed a fraud claim they gave me credits for XXXX XXXX XXXX XXXX but they denied the ATM transactions stating card and pin was used. I explained to the customer service representative my card was stolen. I never wrote down the pin nor gave it to anyone. And how can you approve those charges in my favor and not the other charges. I stay in Texas I was XXXX XXXX XXXX XXXX XXXX XXXX  from XX/XX/year> and didn't get released until XX/XX/year>. So it was impossible for me to be in XXXX I also sent in police report. I am going to XXXX and I been saving this money. I faxed over the documents they asked for. 

XXXX XXXX XXXX
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against XXXX XXXX, managed by XXXX, regarding an unacceptable experience I encountered while attempting to lease an apartment in XX/XX/year>. 

My partner and I previously leased through XXXX at another property for a year and a half without any issues. Therefore, we were surprised when our application for XXXX  XXXX did not receive immediate approval. Instead of the same-day approval we had previously experienced, we were informed that the process could take up to XXXX hours. Ultimately, it took XXXX weeks to receive a decision. During this time, we called several times to inquire about our application status, explaining our urgent situation since we had already given notice at our previous residence. 

Due to the lengthy approval process, we were forced to seek alternative housing and eventually found another apartment that could accommodate us in a timely manner. 

When we applied for XXXX XXXX, we paid application fees of approximately {$55.00} for each adult and a {$1200.00} deposit, which we were verbally assured was refundable. After deciding to withdraw our application, we were told by a staff member that our deposit would be returned. However, after several follow-up calls, the assistant manager stated that the deposit would not be refunded, citing that the previous staff member was new and not authorized to make such statements. 

We escalated the matter to XXXXXXXX XXXX XXXXXXXX  office, where we spoke with a representative who expressed concern over the situation and promised to follow up after consulting with her leadership team. Unfortunately, we never received a response. Despite making numerous attempts to contact XXXX XXXX, we were met with indifference and continued to be told that our deposit would not be refunded. 

To our dismay, we are now receiving emails indicating that we are being reported to collections for the {$1200.00} deposit, despite prior assurances of a refund. This has caused significant distress, especially as my partner 's bankruptcy filing has affected the reporting on this matter. I was only a secondary applicant and should not have been subjected to this collection issue. 

I believe the actions of XXXX XXXX  and XXXX  are not only unprofessional but potentially fraudulent. I am seeking your assistance in addressing this matter, specifically to have the collection notice removed from my record. 

Thank you for your attention to this serious issue. I look forward to your prompt response. 

Sincerely, 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 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are still showing on my report, you have failed to removed and delete the items that I have disputed. I am a victim of Identity theft since these accounts is not attached to my Home address.
Product: Prepaid card

I received an american express gift card. I have tried to use the balance at multiple locations online and in person, and every purchase is declined. I have a {$150.00} balance and can not make purchases for any amount, regardless how small. The customer service line is useless and not helpful. They tell me to try online merchants that request an expiration date confirmation, which I have done unsuccessfully.
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 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries 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.
Product: Debt collection

Victoria Secret Card through Comenity Bank. 

The payment of {$72.00} was due on XXXX. However, due to wrong password, I was locked out of online portal to make a payment on XXXX and XXXX. In order to reset the password, I needed the physical card which I couldn't locate. I located the card on XXXX, reset the password and made the full payment. 

However, Comenity bank went ahead and charged {$29.00} late fee on XXXX and {$2.00} Fin Charge on XXXX which I got to know when I received the next statement. When I called them and explained the situation, they refused to remove the charges ; despite the fact that their record shows wrong attempts, lock out and reset. 

Eventually the account started accruing late fees and finance charges on XXXX ( XXXX ) balance of actual purchase/principal. As of now, the account has 5 late fees and 5 finance charges ( equal to {$180.00} ). All of this is late fee and interest as payment was late by a day. Meanwhile I have been getting multiple daily calls ( from different area-codes and once from an unknown number ), and text messages. 

Additionally, they kept reporting this to credit bureau which has damaged my score extensively. It went from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX. It has made my attempt to draw first mortgage on my house so I can float my XXXX XXXX virtually impossible. 

While people are struggling to pay for basic needs in this COVID mess, this usury practice for one day of delayed payment has led to situation where I can't borrow money to keep my XXXX XXXX going which supports 10-12 employees. 

I'd request VS/Comenity Bank to reverse the charges, delete the credit line and correct the reporting to credit bureaus immediately.
Product: Vehicle loan or lease

I am a new customer of Hyundai Finance and my first payment on my car loan was scheduled to be due on XX/XX/2020. I called Hyundai Finance on XX/XX/2020 to request that the due date be change to the XXXX of each month to match when my husband and I get paid. I spoke to XXXX who informed me that the requirements to changing the due date where ( 1 ) Loan must be current ( which it was on XX/XX/XXXX ) and ( 2 ) Change can only be done twice in the life of the loan ( which this would have been the first change ). Since I qualified for the payment due date change, XXXX advised me there would be no problem and the due date was changed to XX/XX/2020 and to the XXXX of each month there after. 

We presumed that the due date had been changed as XXXX confirmed until we received an email on XX/XX/2020 that my loan was now past due. I called Hyundai Finance on XX/XX/2020 after receiving that email, I was given conflicting information that the request was still in progress, that the change was not processed, etc. I was transferred no less than 5 times, put on hold for several hours cumulatively. I was finally transferred to a Supervisor by the name of XXXX ( # XXXX ) who did not care what XXXX had ensured me had been done on XX/XX/XXXX, informed me that now no change could be made to the due date because the account was now one day past due and therefore not current and informed me that a due date can never be changed to the XXXX of the month. I was brand new to this company, called on XX/XX/XXXX way before the due date, and requested and was granted a due date change to the XXXX of each month by XXXX. I relied on that fact and now I am being penalized that XXXX did not do his job right and I relied on it.
Product: Mortgage

We paid our mortgage loan off with Colorado Housing and Finance Authority ( XXXX ) in XXXX of XXXX. XXXX is serviced by XXXX XXXX  XXXX. I initially opened this mortgage loan in XXXX. We were informed that the remaining amount of {$3500.00} in our escrow account would be refunded to us immediately. The Escrow refund check was supposedly sent out on XX/XX/XXXX. We were told that we had to wait 30 days to request a stop payment on that check in order for a new one to be reissued. 

On XX/XX/XXXX, we contacted XXXX to have the stop payment put on the check and request a new check issued as they stated they would do after the 30 days. Then we were informed that the check could not be reissued for ANOTHER 30 days, bringing us to XX/XX/XXXX. We called on XX/XX/XXXX to again request the reissuing of the escrow refund check. They said they will submit a request to have the check reissued. Called on XX/XX/XXXX to verify that check had been reissued and the representative said it had not been issued out yet. 

On XX/XX/XXXX, I again called and could not get an answer from anyone on the status of the check. Over these NUMEROUS phone calls between XXXX and I, I have also requested to speak to a Supervisor in which I was always transferred to a voicemail. I have NEVER received a return call from anyone at XXXX. There is also a consistent issue of a rep putting me on hold to look in to things, only to transfer me to another rep to start the whole thing over again because they simply did not want to deal with the problem. Furthermore, my wife, who is authorized to speak on my behalf has always been able to discuss the account. The account is now archived, even though our escrow has yet to be refunded to us, and suddenly she can no longer speak to anyone about the account. I am unsure how businesses can close and archive an account when there is a refund still owed to the customer. 

We have got the complete runaround for more than 3 months now on our escrow refund check and nobody at XXXX/XXXX has taken the effort to actually send us a refund check or actually address the issues by getting to the bottom of what is actually going on. This is the absolute worst experience I have EVER had with a mortgage company. Refinancing with another company, for half the interest rate and excellent customer service, was the best thing we ever did. After reading numerous other complaints about the same exact issues, I would suggest that the appropriate agency needs to investigate how this companies manages money and their accounts.
Product: Debt collection

On XX/XX/2019 I spoke with XXXX XXXX billing department and they confirmed that they did not have a balance of {$1000.00} with my name nor social security number in their system.
Product: Credit card

I am getting an enormous interest rat charge on the credit card they was not there before.
Product: Money transfers

Money was sent VIA Western Union to the XXXX. My recepient of the funds was denied payment of the funds upon presenting the correct tracking number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested several times to REMOVE, REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the block on my file please remove it at once!! My full name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB XXXX and SS XXXX.
Product: Credit reporting or other personal consumer reports

Please look at the attached documents I've sent. There is incorrect personal information on my credit report and I want it updated to the correct one.
Product: Debt collection

I never received any medical bill and would like to know why I was never sent a bill and what it is about.
Product: Checking or savings account

Closed account while I was overseas and now has my funds being held in there account. Never received notification by mail or otherwise of closure. I wish to have time to withdraw my funds and then they can close the account. I have a wire transfer that posted as well as a instant pay for {$590.00} that I cant access.
Product: Debt collection

I entered into a consumer credit transaction with First Progress. Pursuant to 15 USC 6802 First Progress never disclosed to me that I had the option to opt out of this transaction being reported. First Progress also reported this transaction to consumer reporting agency which is a violation of 15 USC 1681. The transaction arose from a credit card which is supposed to be excluded from a consumer report. First Progress was also in violation of 1692j because is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by XXXX credit bureaus. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, XXXX credit bureaus have not complied with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are ( still ) reporting on my accounts and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : 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 or other personal consumer reports

I have unauthorized inquires on my XXXX credit report on the dates of XX/XX/XXXX and XX/XX/XXXX and I would like these items removed. According to the FCRA, these unverified and unauthorized items must be removed.
Product: Credit card

Regions bank reached out to me about an account balance that was due. I believe it was under {$10.00}. I paid it over the phone with my rewards points. They actually sent me a check for {$7.00} of overpay. I believe this was paid on XX/XX/year>. 

I dont live in Alabama anymore and this account is never used. So I just didnt know it was overdrafted. I have never missed a payment on anything and this little bit of money is ruining my credit score for me to buy a new house. The account has been paid in full.
Product: Credit reporting or other personal consumer reports

As I was getting ready to apply for a car loan with my bank, I glanced over my credit report to observe my consumer report ; I noticed a lot of unauthorized, inaccurate accounts that were reporting to my name. I am terrified that someone out there has my information and has been using it. This has been making XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am unable to get a good rate on my car loan due to the misinformation reporting to my name. I am terrified that an anonymous individual has been misusing my personal information for mischievous actions. Please help I am completely stressing out due to the fact all this information hindering me from obtaining a reasonable car loan and future home loan that I have been working hard and saving towards.
Product: Mortgage

I requested to have the escrow for taxes ( the only escrowed item ) removed from my account in XXXX, XXXX. I received the attached letter stating my request was not approved due to the original appraised value and my current LTV not being 80 % or less. Which is blatantly false. The original appraised value of my home at time of purchase was {>= $1,000,000}, making my current loan balance of {$890000.00} an LTV of 72.5 %. Fairway originated my mortgage so they have the original appraisal on file. The current appraised value ( valuation completed by Fairway to remove PMI ) is {>= $1,000,000}, bringing the current LTV to 71 %. I emailed Fairway about this to dispute the validity of the reason for requiring escrow and have to-date never received a reply. I have called twice, most recently on XX/XX/XXXX, and was told both times it is not possible to speak to a person in their escrow department who handles these requests and that my only option is to communicate via email. I emailed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To-date, I have not received a response or a valid explanation as to why escrow for taxes is required. 

Where I live, the taxes will go up every year so the escrow account will ALWAYS have a shortage and be in arrears. The current taxes are almost $ XXXX and there is no reason why I should be forced to spread this amount out monthly to pay into an account that I earn no interest on when I can better manage my money myself, and should I decide to do my own escrow I can earn almost 4 % return in a high yield savings account. Additionally, the approximately {$500.00} extra per month required for this escrow reports on my credit report and affects my t

otal DTI, which affects my ability to apply for other financing, etc. I do not want or need escrow for taxes. I do not escrow insurance or the HOA payment. There is no reason that I can see under federal or Wyoming law that Fairway can require this escrow account given my perfect payment history and low LTV.
Thank you