23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We called our mortgage loan holder Rushmore Loan Management on XX/XX/2020 to request a 6 month forbearance of our USDA Guaranteed single family mortgage loan as delineated by the CARES Act. We were told to call back on XX/XX/2020 to make the request. 

We called back on that date and were told that they would only grant us 3 months forbearance and that at the end of the 3 months we would be required to repay the total amount due. We explained to them that they were in violation of the CARES act which gave us 6 months forbearance and which allowed us to add the amount due to the end of our loan. They were supposed transfer us to another person but since no one was available this person ended the call by saying that they had already initiated the 3 month forbearance as requested. 

On XX/XX/2020 we got a packet from Rushmore asking for our signature on the 3 month forbearance and stating that they would be reporting us to the credit bureaus as a credit risk. 

On XX/XX/2020 I called Rushmore once more and again explained to them that they were in violation of the CARES act by requiring signatures, reporting us to the Credit Bureaus, and only extending 3 months of forbearance when we were clearly guaranteed 6 months. This person placed me on hold, consulted another person, then agreed that we were correct, that Rushmore was 'sensitive ' to its customers during this time of crisis and that they would honor the 6 months forbearance-however, because of the limitations of their system, we would have to call back on XX/XX/2020 in order to request the remaining 3 months forbearance. This person indicated they would not be reporting us or any of their customers with federally backed loans to the Credit Bureaus. 

Because of their behavior thus far I don't believe them and want to complain that they are in violation of the CARES act for clearly disregarding the provisions of the law regarding forbearance of federally backed home loans. 

Also, I firmly believe that if they are treating us this way that they are using these same tactics to harass other customers who are clearly protected under the CARES act but who are not aware that this protection exists.
Product: Credit reporting or other personal consumer reports

My information has been sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Credit card

I've consistently maintained timely payments on this account, never allowing them to fall overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX  XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have wiped my entire history and do no fix
Product: Checking or savings account

On XX/XX/2021 I made a purchase through XXXX using the Venmo Debit card as my preferred card of payment. It was initially declined because I forgot to link my Venmo Debit card with my bank to take out whatever cash was necessary incase the fund in my Venmo account was insufficient. 

I then linked my Venmo card to my Bank and did the process again in purchasing my tickets to XXXX. This cleared through XXXX and I received the receipt from XXXX that the purchase was complete and paid in full. As Venmo used the money in my account and supplemented it with about XXXX XXXX from my bank account. Later that day, I then received some money transferred into my Venmo account by another party at the same time At about XXXX XXXX XXXXo XXXX the same day I attempted to transfer the XXXX dollars into my own bank account. However, Venmo would not allow me to transfer the money. Then I received an e mail stating my Venmo account was frozen. No rhyme no reason just frozen. It then stated that I need to send a copy of my ID, which I sent. This does not make sense as all the accounts are in my name, and they all have my personal information in file. I am now told that their turn around time is over 8 days and I can not access my money. 

thanks you.
Product: Credit card or prepaid card

I went to XXXX today XX/XX/2022 at XXXX XXXX XXXX, XXXX, XXXX XXXX and presented my XXXX rewards card upon check out along with my Citi credit card. The clerk told me that I had a rewards balance and asked if I wanted to use {$10.00} towards the purchase amount of {$29.00}. I said " yes '', not sure if I clicked on the screen, but without my reading glasses I would not have been able to review the fine print anyways. 

Citi subsequently sent me an email saying that i had just redeemed XXXX points which is particular unfavorable at {$10.00} XXXX points or a 0.8 %. Meanwhile advertise 2 % cash back " Earn 2 % on purchases with 1 % cash back when you buy, plus an additional 1 % as you pay for those purchases. XXXX X XXXXXX XXXX 

Called Citi to complain and they said they could not do anything. My only recourse was to return to the store to process a refund. I called XXXX, and the rep had no idea what I was talking about. Transfers to their credit department, and said they did not have a way to opt me out. 

I drove back to the store, processed a refund, and brought my reading glasses to see that the screen indeed to me " Citi ThankYou '' points. 

I find it deceiving that XXXX present you with so many screens at check out. Some are mandatory like confirming your phone number. Some they try to upcharge you to fund their tax exemptions. Now I also have to read the fine print to ensure that they charge me in points instead of dollars.
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Dispute of Inaccurate Credit Reporting by XXXX XXXX ( Account Number : XXXX ) Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off account on my credit reports by XXXX XXXX. The details of the account in question are as follows : - Account Number : XXXX - Account Type : Revolving ( Credit Card ) - Original Creditor : XXXX XXXX - Balance : {$0.00} - Date Opened : XX/XX/year> - Payment Status : Collection/Chargeoff The issues with this account are as follows : 1. **Continuous Reporting of Charge-off : ** The account has been reported as a charge-off every month for the past three years. According to IRS guidelines, an unpaid charge-off is considered income and should not be repeatedly reported in this manner. This continuous reporting is misleading and does not accurately reflect the true status of the debt.

2. **Sale of Debt : ** The debt associated with this account has been sold to another company, as indicated by the comments on my credit report ( " Purchased by another lender '' ). The original creditor should have updated the account status to indicate this change. Reporting the debt as an active charge-off after it has been sold is inaccurate and misleading.

3. **Issuance of Form 1099-C : ** I have requested a Form 1099-C from the original creditor, which should have been issued to indicate the cancellation of the debt. The absence of this form suggests that the debt should no longer be reported as active.

The Fair Credit Reporting Act ( FCRA ) requires that all information reported on my credit report must be accurate. Continuously reporting this debt as a charge-off while it has been sold to another company and should be recognized as canceled debt is a violation of the FCRA.

I have previously disputed this matter with the credit bureaus ( XXXX, Experian, and XXXX ) and the original creditor, but the issue remains unresolved. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that my credit reports are corrected to reflect accurate information. 

Please find attached copies of relevant documentation, including my communications with the original creditor and the credit bureaus. 

I request that the CFPB intervenes to have this inaccurate charge-off removed from my credit reports promptly. 

Thank you for your attention to this matter. 

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

I am writing to formally challenge the results of my recent credit report dispute and to request a more thorough investigation into the method of verification used to resolve the dispute. The information provided on my credit report appears to be inaccurate, and I believe the verification process did not adequately address the discrepancies. 
Details of the Dispute Disputed Item ( s ) 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 XXXXXXXX Date Opened : XX/XX/year>. 
The results of my dispute indicated that the information I disputed was verified as accurate ; however, I have reason to believe that the verification process was not sufficiently comprehensive. Based on my review of the dispute outcome, I believe that the following was not properly considered or verified : Failure to review my identity theft report from the Federal Trade Commission regarding these disputed items. 
I am requesting that you delete the incorrect information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), if an item can not be adequately verified, it must be removed from my credit file. The information in question has not been properly verified, and therefore, I believe it must be deleted. 
Please provide me with the following : A detailed explanation of the method of verification that was used to resolve my dispute. 
Copies of any and all documents used to verify the disputed information. 
Confirmation that the inaccurate information will be removed from my credit report, as required under the FCRA, or provide evidence that the information was fully verified. 
I expect that you will investigate this matter thoroughly and take the appropriate action to correct my credit report. Please send me written confirmation of your findings and the actions taken.
Product: Debt collection

Every time Portfolio Recovery Assoc LLC calls me they tell me a different balance amount XXXX XXXXXXXX dollars more than I owe. I have gone through this with them many times with several different callers all of which speak broken English and just try to harass me into making a payment. The last letter states my balance as : {$1800.00} and offers me a reduced balance amount if paid in full by XX/XX/20. 
I am XXXX years old, living only on my Social Security check each month since XXXX due to pandemic not working my part time retail job due to XXXX concerns about XXXX They are wrong about my balance. Debt has reached statute of limitations in Illinois also.
Product: Checking or savings account

I have filed for unathorize dispute Wells Fargo regarding my checking account as we were overseas and have noticed charges from XXXX XXXX and XXXX without my knowledge as I had no means of checking transactions due to poor internet connection in the rural province of where we were. I have filed the follwing claims : XXXX. XXXX XXXX. XXXX Before the XXXX or 30 day investigation period it was automatically closed and have asked for report but they were unable to send anything and instead just the typical note saying they did not suspect fraud due to the fact the account was being checked online and its valid. I have filed a complaint to XXXX as well and they kept sending the same letter and all I want is for them to investigate as I never did made any transaction with XXXX XXXX or XXXX. A big amount have been stolen from my account and I have also been contacted by Police Officer in XXXX  but nothing was done to resolve it. I was told the case have been sent to them but they did not do anything as they said the charge was done online. How are they to claim fraud protection when they are letting the fraudsters get away with taking money from consumers account and the bank does not do anything to investigate and instead of helping the consumer they just assume on a basis that is not favorable for the account holder. I just want my money back and have them investigate as I have been unable to get far with XXXX XXXX and XXXX as I did not know any reference numbers and nothing in my name was showing up in there system. I was told to dispute with the card issuer but how am I suppose to do that when they are not willing to help me get my money back amd do an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Throughout the years, i've had to file against the credit bureaus due to inaccurate reporting of the facts regarding a collections from XXXX that is handled by Jefferson Capital Systems. Last month, all the credit reporting agencies including XXXX  finally removed this item from my report. As of today XX/XX/2021 my credit report shows there are no collections, zero. I am writing to you because there is a collection by mail from XXXX  today and this is misreporting, unlawful, damaging top my perfect credit history and unlawful. 
Please see the attached documents. As it stands, Jefferson Capital and XXXX have been wrong all along and I have submitted much paperwork to prove it. It is unfair to report both things as true and false at the same time, therefore it is inconclusive and inaccurate reporting and it needs to be stricken and removed from my public record and report immediately. I find it appalling to see how these collection agencies do not ever do any thorough investigation as items keep getting placed back. This inaccuracy has been made public and it tis time to stop! As I see it, the credit reporting agency XXXX  is wrong in reporting inaccuracies and at the same accounts as closed and removed and opened and current at the same time ; Inaccurate, damaging and unlawful.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the correction and update of the payment history for my account with XXXX XXXX on my credit report. The current payment history displayed by TransUnion is inaccurate and inconsistent with the accurate reporting shown by XXXX. Specifically, XXXX has correctly displayed my payment history with accurate and timely information, reflecting compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies ensure the maximum possible accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ).

Additionally, the account should be listed as Paid rather than just Closed to accurately reflect the resolution of the balance, as this status better represents my responsible management of the account and positively impacts my credit profile. 

The FCRA emphasizes the importance of accurate reporting, and any deviations from the correct information can adversely affect my creditworthiness and overall consumer rights. Enclosed are detailed records showing XXXX accurate representation of my payment history, which I expect TransUnion to match to ensure compliance with federal regulations. I respectfully request the immediate adjustment of my payment history to align with XXXX reporting, as it reflects the true status of my account without discrepancies. 

Please consider this correspondence as a formal dispute under the FCRA, and I request confirmation once the necessary updates have been made.
Product: Payday loan, title loan, or personal loan

Spoke to a XXXX XXXX who stayed he was from One Main Finical Group stated I was approved for a loan for XXXX. I was instructed because of my credit score that I would Need XXXX   ( XXXX ) insurance and that I would need to purchase a card at a store that sold gift cards. When I arrived at the store no XXXX gift cards were available ( as doing research after the fact there arent any ) I was told to purchase XXXX and an XXXX card as XXXX and those companies work together told by XXXX to me. Insurance for the loan amount was {$250.00} XXXX  card was purchase for {$200.00} and XXXX   XXXX for {$50.00}. After information was exchanged I was told that the state was holding up the transfer and I would need to pay an additional {$1000.00} in taxes payable by the same way. After doing a little research and noticing after looking in the internet that the number I was being called from was not the number in website for One main financial I called number on web and was told it could be a scam as they would never ask for any money up front and I was referred to this site. Numbers that I received call from ( except for one ) or now out of service and other just rings now.
Product: Credit card

The reason for Amex rejecting my dispute is completely inaccurate. The company I paid is a fraudulent transaction, but the company provided Amex with a receipt for my payment. However, this receipt does not prove they are not fraudulent or that they did not use verbal threats to get the payment. Despite this, Amex used the receipt as the sole reason to reject my dispute. 

Ref. XXXX
Product: Credit reporting or other personal consumer reports

Dear [ Recipient 's Name ], I am writing to formally dispute inaccurate information contained in my consumer report, as well as to address your non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX Code XXXX ( Civil Liability for Negligence ). As a consumer, I have the right to accurate reporting, and failure to maintain these standards has caused harm to me.I recently reviewed my credit report and found inaccurate and misleading information that is adversely affecting my creditworthiness. These inaccuracies include : [ Describe the inaccurate information : Account name, account number, date, and nature of the error ] [ Additional inaccuracies if applicable ] Under the FCRA, credit reporting agencies and furnishers of information are required to ensure the maximum possible accuracy of consumer reports. Your failure to conduct a reasonable reinvestigation and correct or delete inaccurate information violates the law. Additionally, your negligence in handling my dispute and ensuring compliance with federal regulations has resulted in financial and emotional distress.I demand that you immediately investigate and correct the inaccuracies or provide documentation verifying the accuracy of the reported information within 30 days, as required by law. Failure to comply with my request may result in legal action, including seeking damages for your negligent non-compliance, as provided under XXXX XXXX XXXX XXXX have attached copies of relevant documents, including my credit report and any supporting evidence, to facilitate your investigation. Please provide a written response confirming the corrections or explaining your position within the legally mandated timeframe.If this matter is not resolved promptly, I will explore further legal options, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal redress.I appreciate your immediate attention to this matter. Please contact me at your earliest convenience to confirm receipt of this dispute and provide a resolution timeline.Sincerely, XXXX XXXX [ Your Contact Information ]
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Discover Bank for Inaccurate Reporting, Failure to Validate Debt, and Possible Tax Violations Dear CFPB, This is a formal complaint against Discover Bank regarding the account number ending in # XXXX under the name of XXXX XXXX. I believe Discover Bank is in violation of several provisions of the Fair Credit Reporting Act ( FCRA ) and other federal regulations due to their ongoing inaccurate reporting, failure to validate a disputed debt, and potential tax fraud. 

1. Summary of Issues : Discover Bank has reported a charge-off of {$9200.00} on my credit report as of XX/XX/XXXX. 
Despite the charge-off, Discover Bank continues to report the account as charged-off every month from XXXX to XXXX, which is factually inaccurate and misleading. 
Discover Bank has failed to validate the debt after receiving a formal validation request. 
There is a discrepancy in the balance amounts reported to different credit bureaus. 
XXXX : Reporting a balance of {$1300.00}. 
XXXX : Reporting a balance of {$1900.00}. 
Discover Bank has not issued a Form 1099-C, which raises concerns about whether they took a tax deduction for the charged-off debt without notifying the IRS or the debtor .

2. Violations Cited : 1. FCRA Violation : Discover Bank is inaccurately reporting the account status as charged-off for several years, which misrepresents the accounts status and payment history. 
XXXX. Debt Validation Failure : Discover Bank failed to provide documentation or verification of the alleged debt after a formal request from the consumer. 
XXXX. Potential Tax Violation : If Discover Bank took a tax deduction for the charged-off amount without issuing a Form 1099-C, it constitutes a violation of IRS reporting requirements. As Im prepared to file an IRS Form 3494-A. As well as an Arbitration Demand. 

Additionally, Discover Banks XXXX filing suggests that the debt may have been securitized, meaning Discover may no longer legally own the debt to report it to credit bureaus. Reporting such a debt as charged-off when the bank has already taken a tax deduction or sold the debt constitutes double recovery and is a potential violation of IRS regulations XXXX 

Key issues : Inconsistent balances across credit bureaus. 
Continued reporting without debt validation. 
Discover Bank potentially no longer owns the debt due to securitization. 
Possible tax violations if Discover took a charge-off deduction without issuing a 1099-C.