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

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S.

Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. For the record, Im the one whos initiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # is XXXX. I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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

I applied for credit cards well as loans in XXXX with credit karma I was told great approval rate and was denied my credit took a hard hit I was forced to pay large amount for down payments also still needed another person to purchase a vehicle credit score continued to decease I was told I shouldnt rely on credit karma credit score because was not accurate for get approval But the app Approval rate says different
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on 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 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 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

Data Breach of my credit report information. Code 15 US 1681, I am entitled to accurate reporting of my credit report. I contacted all 3 credit agencies Transunion, Experian and Equaifax and spoke with them on the phone to go over all the wrong addresses being reported as mine which are not, the different variations of my name being reported which are not me, none of the hard inquiries on my reports are mine or from me attempting credit or loans or otherwise, the late payments on everything, loans and credit cards are wrong because I don't have any late payments with anything. Debt collections are not mine, charged off accounts that are still being reported monthly that say charged off years ago or settled yet still being reported, collections agencies trying to collect on charge offs accounts by being misi formed with all this misinformation. XXXX XXXX XXXX, not mine. XXXX XXXX not mine. XXXX XXXX, not mine and I called all 3 of those companies directly and told them that's not me and they went over my Info with me but was always the wrong email which is obviously whoever the real person is. The address in California was just added to the list of addresses on my credit reports, that's a new one and I've never been to California. Everything is messed up and and I want all this negative stuff impacting my credit scores removed under code 15 US 1681. My credit score should be XXXX being I've had credit 28 years yet my credit reports say a little over 5 years, this all needs to be removed immediately and my credit fixed, my date was obviously breached and I filed also with a FTC report # XXXX. Under code XXXX5 US 1681 I am entitled to accurate credit reporting and Transunion, Experian and Equaifax are violating that federal law without regard to anyone 's credit by not investigating anything fully to see the erroneous stuff just piling up on everything and just reporting everything repeatedly without fixing anything ever and always denying disputes when the proof is right there on the reports that it's all wrong. Please removed everything negative from my credit report immediately. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to the CFPB and the collection company provided me a letter through your portal that I sent to Experian ... and they still haven't removed the negative from my report.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card or prepaid card

On XX/XX/22 I was making a {$1400.00} purchase at XXXX XXXX I was " sold '' on opening a store credit card as I would receive a 10 % discount on my first purchase and would receive an additional 5 % in coupons mailed to me afterwards. I have a credit score of over 800 and available credit of over $ 100k but was only given a {$400.00} credit limit. When I called the customer service this morning, I was told that it was a temporary credit limit and I would know my true limit after XX/XX/22. This was not stated when I agreed to apply for the card. This was complete deception! I have no need of another credit card but was enticed into applying but the promise of discount of over {$200.00}. This company is intentionally giving a low " temporary '' limit in order to keep their " first purchase only of 10 % '' low. Complete fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I discovered that I was the victim of identity theft. Several accounts were opened in my name without my authorization. I am extremely upset about this situation, and I would like to have the inaccurate accounts, addresses and inquires removed from my credit report as soon XXXX possible. I have a XXXX fraud accounts XXXX XXXX and XXXX XXXX XXXX. I have XXXX unauthorized inquiries XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX Ser XXXX. XXXX XXXX XXXX XXXX XXXX  I have XXXX fraud addresses XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX WI XXXX Thank you for your help in this matter. I would appreciated if you could take care of this situation as quickly as possible.
Product: Credit card

I purchased a XXXX tree on XX/XX/XXXX for XXXX and had it shipped. it was heavy and shipped to my door. The tree was defective with limbs coming off. I called Lowe 's XX/XX/XXXX to get a replacement and have this one pick up by the shipment company. Lowe 's would only offer a 10 % discount so I told them to pick it up. Lowe 's did not have any more tree like the one I ordered. I am XXXX XXXX XXXX and I am not able to carry this heavy item. I then wrote a letter of dispute of the charge to synchrony bank. Mailed it in and never heard back. I called in on XX/XX/XXXX spoke to XXXX and she stated a letter was emailed days prior. I told her no record of a letter sent. Then the next day a got a denial letter from Synchrony Bank dated XX/XX/XXXX. Call Lowe 's store and they said they will not take back trees after XXXX. Synchrony took way to long to respond to my dispute, also charging me interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX/EXPERIAN/XXXX XXXX XXXX  Re : Acct # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I OWE MONEY TO YOU, FOR ONE THIS ACCOUNT WAS ALLEGEDLY OPENED IN XXXX, YET YOU HAVE THE START DATE OF NEGATIVE FROM XXXX. YOU ALSO SHOW NO PAYMENTS EVER PAID SO THIS IS INCORRECT REPORTING EVEN IF IT WAS MINE, YOU ARE REPORTING IT WRONG. This is a formal notice that your erroneous claim ( s ) is/are now disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( Experian, XXXX XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My Contact Info is as follows : XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX and the credit reporting agencies XXXX, XXXX, and TransUnion. XXXX XXXX has failed to provide the IRS Form 1099-C as requested for both of my accounts, and the credit reporting agencies have allowed the continued improper reporting of these charged-off debts on my credit report. Despite knowing the correct classification and financial implications of a charge-off as defined by the IRS, they have not taken the necessary steps to correct this reporting. 

A charge-off is recognized as a taxable event, which should be reported as income according to IRS guidelines XXXX However, there is no category on my credit report for income earned or taxes filed, nor has there ever been. If the IRS considers charge-offs as taxable income, it is unclear why these charge-offs continue to be reported on my credit report, especially when such reporting misrepresents their true nature and violates the Fair Credit Reporting Act ( FCRA ). 

Background : I sent a letter requesting a copy of Forms 1099-C for debts associated with my accounts XXXX & XXXX which has been reported as " charged off. '' According to IRS Publication 453, a charge-off is recognized as a taxable event that should result in the issuance of a Form 1099-C to reflect the cancellation of debt income. 

Additionally, I have noticed that this account continues to be reported on my credit report as a " charge-off '' on a monthly basis, as if it were a new account with current charges. This ongoing reporting is not only misleading but also inaccurately reflects the account as generating new charges each month.

Issues : Failure to Provide Form 1099-C : The creditor has not provided the required Form 1099-C, which is necessary for me to accurately report any canceled debt income to the IRS.

Improper Monthly Reporting of Charge-Off : The account is being reported as a " charge-off '' every month, which implies continuous new charges, despite the fact that a charge-off is a one-time taxable event that is now being reported as income in which I have filed and have attached proof. This reporting inaccurately portrays the account status and violates the Fair Credit Reporting Act ( FCRA ). 

Income Reporting Implications : Since a charge-off is considered a taxable event reflecting income, this account should no longer be reported on my credit report nor as an ongoing charge-offs. Continuing to report these accounts as an active charge-offs suggests that these debts are still accruing, which is incorrect and constitutes a violation of the FCRA, as it misrepresents the now true nature of the debts.
Product: Debt collection

I have received a letter stating that I owe XXXX to a credit card company. They are seeking legal assistance. The letter was dated on XXXX of XXXX, and I received it on the XXXX of XXXX.
Product: Credit card

I am complaining of harassing calls which I am sending to XXXX and department of Civil rights that BOA are calling my house even I had told them to stop calling. In addition, in the process of changing my number from BOA who proceeds to execute deceptive practices especially against XXXX and XXXX with abusive practices with credit services. BOA is not respecting my request to stop calling my house acting a nuisance.
Product: Checking or savings account

I deposited a check into my bank account. I have deposited multiple checks from the same company ( XXXX XXXX ) and have never had an issue. Upon deposit of this check the entire amount was held. After calling the bank, Wells Fargo, I was treated rudely and then the woman on the phone proceeded to extend the hold an additional 5 days. They have failed to explain why, after having receiving multiple checks from this company, they have chosen to hold this one. Now my account will be charged additional fees and will be overdrawn for an extended period of time which will also result in another charge. This bank has had multiple infractions for the same type of actions. I will no longer bank here and I dont recommend anyone bank with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on the accounts listed below, I have asked for documentation showing proof of transactions showing I was ever late to support their inaccurate reporting on my accounts the failed to show proof but sent me a letter stating they were not going to delete or block the inaccurate information from my credit report. If they can not supply proof, they are to delete the alleged late payments. I am promised accuracy on my report based on federal law. Under 15 USC 1681 all unverified information must be promptly removed. Due to their current coding system error, they can not verify this information and validate it as being accurate. I am one of the many consumers that has been affected by this error. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX is charging excessive fees for a foreclosure that was dismissed one year prior to my lloan being transfered from Fay Services LLC, who was sued by CFPB. My loan was transfered to XXXX instead of being properly serviced. XXXX XXXX XXXX has also misapplied payments made to my loan and has taken over {$150.00} interest monthly from the mortgage payment as attorney fees instead of servicing the loan with the payment. 

XXXX XXXX has co-mingled my mortgage loan payment with these bogus fees... According to Fay Sevicing the fees only totaled {$470.00}. Why is my mortgage payment being used to pay off fees that acure {$150.00} interest monthly. This means that neither the mortgage nor the " attorney fees '' will ever be paid off. These fees should not be comingled with my mortgage and should be billed and collectedseparately. 

When I asked to pay off the fees they took the payment and instead reapplied it to montlhly payments and took feee from the payment instead of applying to these bogus fees. XXXX obviously is unfair in its practicies and i HOPE AND PRAY that government will intervene in ensuring that XXXX is fair in its trade practices.
Product: Mortgage

Dual-tracking. XXXX started the home foreclosure process ( XX/XX/XXXX ) before reviewing/providing any information in regards to status of our loan modification or responding to my multiple attempts to contact them ; both by email and by telephone. When I was able to speak to an agent at XXXX on XX/XX/XXXX, I was told that our modification was received on XX/XX/XXXX was still pending review. When asked what 'pending review ' meant. I was rudely told " well ma'am, I 'm guessing it means no one has looked over it yet ''. On XX/XX/XXXX, I filed our first complaint with CFPB. On XX/XX/XXXX we received 4 letters ; 3 dated XX/XX/XXXX, each explaining that our loan modification was denied due to the information not being received by the deadline. The outlined deadline in the letter was XXXX/XXXX/XXXX which was the day the information was submitted to XXXX. The letter also stated that " in order to obtain more information regarding the denial decision '' I would need to send in a written request and " to discuss other foreclosure prevention programs, contact to discuss ''. The last letter was dated XX/XX/XXXX, stating they had received my inquiry ( a copy of the CFPB complaint ) and proposed a resolution date of XX/XX/XXXX was assigned. I called on XX/XX/XXXX twice and left messages for our contact ( which we have NEVER spoken to or heard from ) ; nothing was returned. On XX/XX/XXXX, I sent an email to the law firm handling our foreclosure outlining our concerns and challenges. On XX/XX/XXXX, I called XXXX again and I was able to speak to another rep who indicated WE WERE in compliance with the loan modification request ( the submitted date on our account was XX/XX/XXXX ) and that no further reason was listed for denial. She suggested I call the law firm who was handling the foreclosure. I called the law firm and spoke with the attorney working on our case. She informed me that none of our attempts at communication had been forwarded from XXXX and they had not heard from them since XX/XX/XXXX, even though we sent many notice of error emails, left voicemails, and sent an email to their HAMP Escalations Dept. in XX/XX/XXXX. The email the law firm received from me was sent to XXXX for review and a reply. XXXX has not sent a reply. We mailed a Notice of XXXX to XXXX on XXXX/XXXX/XXXX. We have yet to hear back. On XX/XX/XXXX our home set for auction. I called the county court house today and was told the file/listing was 'inactive '. I called XXXX and was told that no updated status on our home is listed. So I reached out to the law firm and within 10 min I was told that our home was auctioned and sold back to the bank. I am at a loss. We have a recently diagnosed terminally ill child which is a large contributor to our hardship and all we have been asking for this WHOLE time was for XXXX to allow us to pay the amount agreed upon/structure put in place by our original lender at the time of closing.