23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Reported a hard inquiry on XXXX and XXXX to the following Credit Bureaus ; XXXX, Transunion, XXXX. 

I never authorized or applied for credit or services with XXXX I contacted XXXX and they reported no record inquires but refused to contact the credit bureaus for removal of hard inquiry. 
I contacted the 3 credit bureaus but they said I needed to contact XXXX, so I am getting the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS FALSELY REPORTING PUBLIC RECORD FOR XXXX XXXX XXXX BANKRUPTCY XXXX.SEE ATTACH.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights.

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
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 USC Code 1681eb. 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 in XXXX 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

During a request for my credit report, a debt was placed on my Experian Credit Report. I have dealt with the company before, which they did delete this information on my other FICO reports, now they have placed the same debt on my Experian Credit Report. Under the FCRA this is a violation under 15 USC 1681 C ( C ). This is illegal, I have never owned such service, and demand that this collection be deleted. 

XXXX XXXX XXXX XXXX XXXX Opened in XX/XX/year>.
Product: Credit card

Received a 30 day late on my account that was due to a fraudulent charge. 

The charge was removed, but they have still reported me as 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this account in full however it shows as a charge off on my credit. I paid the account completely off on time. It is a shame that it is reporting negatively on my credit report. This violates my FCRA I have written and disputed this several times. It shows paid and closed on XXXX and XXXX but derogatory on Equifax. The dates are inconsistent and the information is inaccurate. My insurance paid this car off in full.
Product: Student loan

Request for Assistance with Student Loan Forgiveness I am writing to seek your assistance regarding my student loans taken out for my education at The International Culinary Center ( formerly known as The XXXX XXXX XXXX ). I believe my situation warrants a review for loan forgiveness due to misleading practices by the institution. 

Background In 2008, I borrowed {$38000.00} to attend this program, enticed by promises from the schools website and administrators that I would secure a top culinary job shortly after graduation. To pursue this opportunity, I made significant personal sacrifices : - School Misconduct : Again, The institution I attended has been sued for miscommunication and false advertising regarding its programs. Documentation supporting these claims is available, demonstrating the misleading nature of the school 's promises.

- Financial Sacrifices : I sold my car and worked multiple jobs while living in New York, incurring substantial rent costs.

- Health Struggles : I faced health issues without medical support due to financial constraints.

- Emotional Stress : The pressure of these sacrifices weighed heavily on me, all in hopes of achieving the promised career success.

Unfortunately, the reality did not align with the school 's assurances. The majority of my peers and I found it exceedingly difficult to secure the high-paying culinary jobs we were led to believe awaited us upon graduation. 

Previous Actions Taken I submitted a School Misconduct application to XXXX ( now Mohela ), providing evidence of these misleading claims. However, my request for relief was denied. 

Request for Assistance Given my experience and the findings of a class action lawsuit against The XXXX XXXX XXXX and the Department XXXX XXXX classification of the institution as financially irresponsible, I respectfully request your assistance in facilitating the forgiveness of my student loans. Also, Mohela just denied the application less than 3 months after acquiring XXXX. The Mohela website does not work properly, I've tried to submit documents and can't log in to do that. I was on hold for over an hour with no answer so I'm surprised they can deny a claim when they haven't finished setting up the proper infrastructure to take any documents or answer calls. 

Given the significant impact this situation has had on my life, I am requesting the following : 1. Forgiveness of my student loans : Due to the misleading practices of the for-profit college.

2. A full refund of any amounts paid : In light of the financial and emotional distress caused by relying on false promises. 

Furthermore, I have noticed that other applicants with similar situations have received relief, which raises concerns about the fairness and consistency of the evaluation process. 


I have substantial evidence supporting my claims, which I am prepared to share with your office. 

Thank you for your attention to this matter. I look forward to your support in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and TransUnion, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the account to be authenticated ( A ). I will take legal action against them if you do not validate the account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX : {$6900.00}
Product: Mortgage

I began the process of applying for a loan modification in XX/XX/XXXX due to having a temporary hardship. I submitted all documents but Mr. Cooper/Nationstar Mortgage continued to ask for one last document over and over. I received a letter showing that I was finally approved for a trial loan modification on XX/XX/XXXX. I sent an email on XX/XX/XXXX accepting the trial loan modification. I made the first two trial payments online and on time. When I logged into my online account on XX/XX/XXXX to make my third and final trial loan payment of {$1000.00} for Loan # XXXX, I was unable to submit a payment online and found a letter dated XX/XX/XXXX stating the following : Denial Reason : Failure to Return Trial Agreement You were previously oered a Trial Period Plan. The terms of the plan required that you return the executed trial plan agreement within the time allowed. Unfortunately, we must withdraw the Trial Period Plan oered because you did not return the agreement timely. 

The Denial Reason listed is untrue. I'm at a loss because I have been trying to get some help since XX/XX/XXXX. Please help!
Product: Checking or savings account

53 bank applied overdraft protection to my account after I scientifically said I didn't want it now my account is overdrawn and I'm being billed overdraft fees daily in the amount of {$35.00}
Product: Debt collection

This company called me in XXXX of XXXX and claimed that I have a debt for about {$1800.00} for tuition charges from a school I attended years ago ( prior to being married ). I was unaware of the charges and why I was being charged this amount from them and asked if there was a breakdown that I could be sent. The only & last phone call I received regarding this was in XX/XX/XXXX. I did not receive anything from them since. 

Today ( XX/XX/XXXX ) my husband received a phone call regarding the account charges and he was called 23 times BACK TO BACK. Our phone automatically blocked the call as a scam likely but they did notify us that they attempted to call with the time and phone number. My husband called the number and were told that they did not contact him but we have proof that they did. The employee continued to deny the phone calls until my husband ( who is a XXXX XXXXXXXX ) told them he would be filing a harassment report against the company. The employee than admitted to contacting him regarding my own personal account and continued to disclose my own personal information and why they were calling ( without my permission ). 

My husband was not on any of my contact numbers for school back than because I did not know him at the time. we have no idea how they would have gotten his phone number. I know it is illegal for them to disclose any of my personal information to anyone besides me if I don't allow it as well. We would like the company reported for harassment and for disclosing my information without my consent to an uninvolved party. I have attached screen shots of the calls to prove this. Thank you!
Product: Virtual currency

Signed up with Coinbase.com with a {$75.00} signup bonus for a {$100.00} deposit into their service. As it took a while to complete their signup, they changed signup bonus to {$10.00}. When asked about bonus, as I signed up for {$75.00} and completed all the steps, they stated that the signup bonus had changed and they no longer offered the higher amount and that requirements were not met, when in fact they were met fully. Never got any signup bonus.
Product: Mortgage

Unreasonable delays ; long waits on every phone call. Generally, I wait for over XXXX minutes to speak to someone. No one point of contact is assigned and they fail to review the file and update the requests. Repeated ask for things they have and request things that are not relevant to the process.
Product: Debt collection

I received a debt collection letter in the mail today from XXXX. The letter shows Capital One Bank as the original creditor, and XXXX XXXX XXXX as the current creditor. The letter does not include the required statement that I have the right to dispute the debt. It only states that it's an attempt to collect a debt, and also that the statute of limitations has expired, so I can not be sued for the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an error with the balance being reported with my " XXXX XXXX XXXX XXXX  '' account. 
My statement balance is {$0.00} but it was reported as {$320.00} and negatively impacted my credit as a result. Please update my account to reflect my {$0.00} balance.
Product: Credit card

I called Goldman Sachs yesterday about my Apple Card. Even though my default payment is set up for my XXXX  XXXX XXXX card, they still charged the Apple Card for subscriptions without my knowledge or consent. I had deleted the card from my wallet and was completely unaware of any charges. I was never notified in writing or sent a statement. I never received a voicemail, text message, or email. I then discovered they reported me 30 days late over {$14.00}. I am XXXX XXXX XXXX, and have never once had a late charge. They destroyed my credit. I was told they would request amnesty, but there was no guarantee.
Product: Debt collection

In XXXX  I received a bill from XXXX and XXXX XXXX XXXX regarding a previous appointment I had with the clinic. After the appointment I received a bill. I submitted it to my insurance and according to XXXX and white the bill was satisfied at the time. After about XXXX months I received an invoice from XXXX and white. I spoke with XXXX and white and they told me about a Medical financial hardship program. I signed up for the program, received the paperwork filled out and turned it in. XXXX and XXXX said I was approved and waived the financial responsibilities. Sometime later I started receiving letters from Harris and Harris Ltd. 
I have not responded to the letters because I dont know if this triggers a claim of responsibility for the debt.
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 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 charge-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: Vehicle loan or lease

I financed a vehicle at XXXX XXXX in XXXXXXXX XXXX, Mo. Three days later I was contacted by XXXX XXXX that the financing did n't go through, so upon returning the vehical,, I was told by XXXX XXXX that my trade in was sold, and they would work to get me financed, after continued visits ( 20 days ) to XXXX XXXX, the temporary tags expired, I surrendered the vehical and was told that I was just out of a vehical, I contacted the company ( santander ), to see if I could get my trade in vehical back, was the transaction was final, that they receive the payment off, they sent me a paid in full letter, and reported the vehical to credit agencies as paid in full, I didnt receive any correspondence from either companies, until six months later, by phone stating that they ( santander ) were going to reinstate me to the vehical, and that I was six months behind, in payments, the original transaction was on XXXX XXXX, XXXX, the trade in vehicle was sold on XXXX the XXXX, XXXX, in XXXX of this year I was giving {$1500.00}, back in check form from down payment, and another {$1500.00}, in XXXX, which i have n't cashed, at this time, I purchased another vehical on XXXX XXXX. I told the companies that I have financed another vehicle and can not afford two car notes. I photographed the ( my ) traded in vehicle on XXXX the XXXX, on XXXX XXXX car lot, ( for sale ), and I have a copy of the advertising sale, of the traded in vehical. Doing the twelve months I owned the traded in vehicle I was never late with payments, now after this situation my credit score has dropped over 100, points, and I have been denied credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit agency lists multiple addresses that are misleading and not accurate. This is a violate of FCRA statutes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX -- The status of this report is incorrect, please change it XXXX XX/XX/2018 XXXX XXXX  -- This Information is Incorrect. please remove this inaccuracy from my report XXXX XXXX -- This Information is Incorrect.please remove this inaccuracy from my report XXXX The following personal information is incorrect. 
Please remove it from my credit report XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA 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 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 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: Credit card or prepaid card

I have a fraudulent charge on my Chase Visa card. I have requested contact information for the merchant so I can speak to them directly. Chase has been unable or unwilling to give me this information. I did not receive the product the company claims they mailed to me nor any of the products listed on the website. I received a strange package from XXXX via USPS in XXXX that was thrown away. ( at that time, there were reports of US citizens receiving strange packages from XXXX, many with unmarked seeds. We were encourage to be careful of these ) My package contained junk childrens spoon and fork. I believe this package was used to show delivery so that XX/XX/XXXXcould legitimize the credit card charge. 
I believe this is an international fraud problem and that I have been a victim.
Product: Credit reporting or other personal consumer reports

I would like to have all hard and soft inquiries deleted off my credit report because Per 15 USC 1681, I gave no written consent for this information to be reported. Also 15 USC 6802-6805 and 16 CFR 313.2 both state that I can opt out of anything on my credit report at anytime. The privacy act of 1974  also covers that I have a right to privacy of all my personal information. All these inquiries need to be deleted immediately! based off law, I would like {$1000.00} to be debited to this account for this mistake or I will take legal action. Routing # XXXX Account # XXXX the FCRA, 15 USC 1681 states Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding an existing issue with XXXX Experian and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and has different dates last reported that are not in proper METRO 2 format and the account do not reach FCRA requirements..

I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. 
According to law 15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting.

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.