23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, I am sending this letter in regards to my accounts that I had with US Bank from XX/XX/XXXX to XX/XX/XXXX. I believe there is an error that I need to dispute in regards to the reporting of late payments on both my first and second mortgages. 

In XXXX XXXX XXXXXXXX, I went through a divorce that resulted in my ex-spouse being granted the property. He was to take over the payments starting XX/XX/XXXX, per the order of our divorce decree. He was to have refinanced or sold the home before XXXX XXXX  XXXX, which he failed to do so. Fast forward to the year of XXXX, he remained living in the home and paying the mortgage while still in my name. He lost his job at some point and the mortgage payments had to be deferred. There was a deferment schedule set up with the first mortgage so there should not have been any late payments reported to my credit on that account. In regards to the second mortgage, that one was set up on a deferment plan as well, however, I had contacted US bank a while back requesting the payoff amount to have that completely paid off and I was given a balance required to pay it off, but it was not disclosed to me that there was still a balance remaining because of the " deferment ''. When checking the accounts online, it showed that the second mortgage had a XXXX balance on it when that was not correct. I had to call US Bank again to see why I kept getting notices regarding the 2nd mortgage not being paid and in the meantime, it was reporting late payments to the credit bureaus when I was under the impression that the account was completely paid off. My understanding is that I was incurring late fees also because of this. 

I need these errors corrected and reflected on my credit report, as it is affecting me acquiring a new mortgage today. It was not my fault or wrong-doing that the 2nd mortgage was reporting late payments when it was not disclosed to me that after I requested to get a " pay-off '' amount that there was still a balance remaining. There should be a record of me having contacted US Bank for the pay-off request and then again asking why there was still a balance after I requested the complete balance to pay it off. That is unfair treatment towards me, and also after my ex-husband was to be making these payments per the court ordered decree. If I had requested the full payoff amount to have that account done and over with, I should have been given the full amount including whatever was deferred and not charged a late fee or had them report late payments to the credit bureaus. I feel that is fraudulent activity. Once I paid off what they told me it would take to have it completely paid off, I was getting notices that it was late. But when checking my account online, the balance said XXXX. That is very deceptive and negligent on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Chap. XXXX Bankruptcy in XXXX and it was discharged in XXXX of XXXX. I then modified a delinquent mortgage with Select Portfolio Services of XXXX XXXX XXXX, Utah. I completed the 3 years of on timely payments and was given a permanent mortgage that I reaffirmed the debt on for this mortgage. The reaffirmation was required by Select Portfolio Servicing in order to obtain the permanent mortgage financing. I have been asking Select Portfolio Servicing to start reporting my mortgage payment to the credit bureaus. 

Select Portfolio Servicing refuses to honor the Fair Credit Reporting Act and will not report the total of over 4 years of flawless payments to the credit bureaus. This is hurting my credit score and I am trying to get a home loan at this time. The loan number for mortgage is XXXX Phone XXXX. Before filing this complaint I called SPS one last time and I got the same run-a-round as they still ask me to reconfirm the debt which I have done over a year ago. I was put on hold then they hung up without getting back to me. 

I also have an account with XXXX and their credit card company XXXX XXXX  that was kept current. In XXXX I had a bill of {$87.00} and made the {$10.00} payment that they asked. They then reported me as a 30 day late in XXXX XXXX. I called both XXXX and XXXX XXXX. The bank laughed at me as said it was my mistake. When I call XXXX they said I was a good customer and they say the error was theirs and they would send me a letter verifying that they would remove the 30 day late they reported. I called back after a week and was given the run around with no results and no longer do they agree to send the letter or correct my credit report. 

I find both credit problems to be a violation of the Consumer Protection Act and the Fair Credit Reporting Act. Please help me before my construction loan is stopped and I lose thousands of dollars in money already spent on the property I am trying to build on. 

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

I Pulled an Updated copy of my consumer Report and I found that Experian has information reporting that I didn't consent to nor did I understand/ comprehend that they were furnishing information from XXXX XXXX XXXX didn't give either one of them express permission to report my nonpublic personal information or given the option to Opt-out. they are directly violating 15 USC 1681b permissible purpose of my consumer report. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued by section 5318 of title 31 or section 3486 of title 18.

( 2 ) By the written instructions of the consumer to whom it relates.

I never gave them Written instructions so any reporting isn't authorized not once did they reach out and ask if the information was accurate they aren't doing their job and assuming a vital role in the inaccurate information that's being reported to fix the issue now I hate that the banks have the upper hand because if this inaccurate information.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I checked my credit report and I have enclosed a screenshot. My XXXX XXXXXXXX card that I have had for several years showed up and has always showed up. As of XX/XX/XXXX, and I attached a screenshot of that report, my XXXX XXXX card suddenly disappeared and all of the payment history. It is paid in full as of today which I've also provided a screenshot of. Why is this not on here? Why did it disappear from all of my credit reports? Why is Experian deleting good information? It's the only credit company that's doing this. The other bureaus are not. This is so illegal and discriminatory. They are purposely deleting good information on my account and leaving bad information.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello there were a fe account on my credit report that I submitted and investigation for and they fell off my credit report. They appeared on my report again without any notice. According to section 611 of the FCRA 'the information may to be reinserted in the file by the consumer reporting agencies unless the person who in furnishing the information certifies the information is complete and accurate ' The FCRA also states 'consumer agencies shall notify the consume of the reinsertion in writing not later than 5 business days after reinsertion I have listed the accounts they reinserted below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

Bank of America hired XXXX XXXX to appraise a home. She was incompetent and made large discrepancies on her report. I sent Bank of America two appraisals one done 1-2 weeks prior and 1 week after the one they hired XXXX to do to show them the incompetency of the appraisal done by someone they hired. Bank of America denied me the refund based on merchant cam charge for services rendered Bank of America did not want to refund me the money for an appraiser that they hired who appraised the home at a 40k difference than the other two appraisals that were done.
Product: Credit card or prepaid card

The account in discussion is Amex Account # XXXX the issue at hand is a late payment reporting in XXXX, Back in XXXX I was sick with XXXX I tried calling to defer the payment and could not reach anybody at Amex. When I was well enough to work I did make the payment immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding a charged-off account that continues to be reported on my credit report, despite qualifying as income under IRS guidelines XXXX The reporting of this account without the issuance of a 1099-C form is both misleading and a violation of my rights under federal law. 

Background The account in question was charged off by the creditor, which legally classifies the balance as canceled debt and, therefore, taxable income under the Internal Revenue Code ( IRC ) 6050P. According to this provision, creditors are required to issue a 1099-C form for canceled debts exceeding {$600.00}, allowing the debtor to report it as income to the IRS. However, I have not received a 1099-C for this account, yet the creditor continues to report the balance to the credit reporting agencies as an active charged-off. 

Legal Basis for Complaint Violation of IRC 6050P The Internal Revenue Code mandates that creditors report canceled debts exceeding {$600.00} to the IRS and provide the debtor with a 1099-C form. The failure to issue this form not only prevents me from properly reporting my taxable income but also raises concerns about the creditors adherence to federal law. 
Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ) : Creditors and furnishers are obligated to report accurate information to credit reporting agencies. Reporting a charged-off account as delinquent without issuing the legally required 1099-C creates an inconsistency between the IRS classification and the creditors reporting practices, constituting inaccurate reporting under the FCRA.

Consumer Financial Protection Act ( CFPA ) 1036 ( a ) ( 1 ) ( B ) : It is considered an unfair, deceptive, or abusive act or practice ( UDAAP ) to report a charged-off account as collectible or delinquent when it should be classified as income and documented through a 1099-C.
Product: Student loan

I feel we we 're mislead with the forbearance. The interest that accrued over the course of forbearance is close to {$20000.00} in 5 years. The original loan was {$58000.00}. We did not fully understand this process. During this time, we went through a bankruptcy. This is our daughter 's student loan taken out as a parent loan. We also did not realize she was not on the loan at all as the plan was for her to pay her loan. She worked in low income schools as a XXXX and was not able to get the loan discounted as it was in our names only. We would have done the original loan as a cosigner if we had been offered that option. Our complai n't is with the servicer both XXXX and Navient. The school attended was XXXX.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_XX/XX/XXXX Date 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: Debt collection

I requested XXXX remove this medical debt in collections as the new CFPB law requires. XXXX XXXX refuses to remove. This debt is affecting my ability to obtain employment.
Product: Debt collection

I received a letter from this company called Eastern Account back in XXXX of XXXX  and I responded back with a letter asking that under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ). As of today Eastern Account System has yet to validate this request or send me out anything that shows proof that this alleged account is actually mines. I have sent out numerous dispute letters asking them for this information to show me something displaying my signature, a proof of purchase and have not received anything but a bill from them, which not proof that I owe this debt and it is mines. 
I have also request from all three credit bureaus the same information and sent out the same letters and they alway reply back with a updated report stating that it has been verified but yet so show proof of how it has been verified as accurate. 
On XX/XX/year> I also filed and Identity theft report and mailed a copy to the Eastern account system and all three credit reports and they have yet to remove this item from my report or to acknowledge the fact I have filed this report assuring them this is not my account.
Product: Student loan

The account representatives at Navient ( formerly Sallie Mae ) have provided me with false information regarding the terms of my private student loans. They stated that the loans have entered the repayment period as I have supposedly reached a limit for in-school deferment. I informed the customer account representative that I am currently in school, full-time at an eligible university ( who provided the necessary enrollment verification documents to Navient ), and he responded that there is no way I could still be in school full-time after this many years. His response was not only offensive, but inaccurate, as I am currently enrolled in year 4 of a 6-year XXXX program ( + 4 years of XXXX education and 2 years of graduate training for my XXXX XXXX ). 

I have thoroughly reviewed the promissory notes for these loans and there is no mention of a maximum number of years in which a borrower is eligible for in-school deferment, and in fact, had the deferment been automatically granted ( as the promissory notes state it should have been given my continuous full-time enrollment ), then this loan should not have gone into repayment at this time. Furthermore, the account representative I spoke to most recently strong-armed me into committing to making monthly payments in order to avoid defaulting on this loan ( which was in fact, not eligible for default per the promissory note ). As a result, I have unduly suffered late fees, additional costs and interest, and damage to my credit score. I sent this information to the customer advocacy department at Navient and they responded stating that they only allow 48 months in-school deferment time. This information is not listed in the promissory note or any agreement that I signed or received. Furthermore, the loans they are referring to were disbursed in XX/XX/XXXX and XX/XX/XXXX ( far more than 48 months ago ), yet this is the first I am hearing of this 48 month limit. 

Their actions have violated the federal Fair Debt Collection Practices Act in numerous ways. They have continued to call me ( on my cell phone and at my graduate student office at school ) and my co-signer 6-7 times a day, every single day. They have threatened me with garnishing my wages and with litigation ( even though the statute of limitations has expired on these loans and it is against the law to threaten litigation on time-barred debt ). They have also provided false information about the legal status of my loan ( stating that it was going to default at XXXX that very day if I did not make an immediate payment ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion removed the credit history of a paid off vehicle that I asked to be corrected not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several unauthorized inquiries on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). After reviewing my report, I have found several inquiries that I did not authorize, and I believe they may be fraudulent. 

As per the FCRA, I have the right to request that any inaccurate or unauthorized information be removed from my credit report. Therefore, I am requesting that the following inquiries be removed from my report immediately : XXXX XXXX : Date of inquiry : XX/XX/XXXX EQUIFAX XXXX : Date of inquiry : XX/XX/XXXX XXXX  : Date of inquiry : XX/XX/XXXX XXXX XXXX  : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX  : Date of inquiry : XX/XX/XXXX As I have no record of authorizing these inquiries, I believe that they may be fraudulent. I am therefore requesting that these inquiries be removed from my credit report as soon as possible, as per my rights under the FCRA. 

I would appreciate it if you could investigate these inquiries and take appropriate action to remove them from my credit report, in accordance with the FCRA. Thank you for your time and attention to this matter. 

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

I've just received a copy of my consumer report and noticed some unauthorized inquiries. i did not give these companies permission to pull my credit file Please remove these inquiries unless they attached to an account. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding : INQUIRY REMOVAL While checking my credit report online with the Credit Reporting Bureau, Equifax, I noticed unauthorized and fraudulent credit inquiries made by these companies : Inquiries : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX  XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, without any authorization, they are not mine. 
Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

2. Identity Theft XXXX XXXX SVCS Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX section XXXX XX/XX/XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XX/XX/XXXX Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XX/XX/XXXX XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXXXX/XX/XXXXA 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: Money transfer, virtual currency, or money service

I sent {$400.00} on XX/XX/XXXX To the wrong person. Captial one refuses to give me a refund.
Product: Debt collection

This can not be me because I have full coverage insurance and I have never heard anything about this. it just shows as a number on my report. there isn't even a company. unauthorized charges are hurting my credit
Product: Debt collection

I sent a debt validation letter ( attached ) to the debt collector in XX/XX/2024 and XX/XX/2024. I received no response either time. This company has not proven this debt belongs to me and the burden of proof of this debt belongs to them.