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

On XX/XX/2020. I requested XXXX  and Experian to provide me with copies of the documents that they have in their files as of XX/XX/2020 that they used to verify the accuracy of the disputed account in the amount of {$8000.00}. The companies then sent me my credit report. However no evidence of the account being accurate was not recieved.This account does not show on my XXXX and is inaccurate.
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 . 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 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 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 creditor 's 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 creditor 's 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 the creditor 's reporting practices, constituting inaccurate reporting under the FCRA.
Product: Mortgage

THIS HAS BEEN AN ONGOING ISSUE SINCE XX/XX/XXXX, WHEN MY LOAN WAS TRANSFERED. I'M ACCUSED OF BEING LATE ALMOST EVERY MONTH. I USE THE CHAT OPTION TO " TRY '' TO TAKE CARE OF THESE ISSUES BUT THAT OPTION HAS BEEN TAKEN AWAY FROM ME BECAUSE CROSS COUNTRY MORTGAGE IS ACCUSING ME OF BEING LATE " AGAIN ''. I CAN'T EVEN PAY MY LOAN PORTION BECAUSE OF THIS. MY HOUSING AUTHORITY PAID IN XXXX FOR XXXX AND IN XXXX FOR XXXX BUT NOT ACCORDING TO CCM. I CHATTED WITH AN AGENT ON XX/XX/XXXX AND SHE SAID SHE WOULD AND THAT SHE DID FIX THE PROBLEM. NOPE, SHE DIDN'T. I GOT A STATEMENT FROM CCM SAYING I'M 30 DAYS LATE. THAT'S WHAT IT SAYS NOW ON THEIR WEBSITE. MY HOUSING AUTHORITY PAYS A PORTION AND I PAY A PORTION. APPARENTLY, CCM IS NOT POSTING PAYMENTS FROM MY HOUSING AUTHORITY IN A TIMELY FASHION, THEREFORE, ACCUSING ME OF BEING LATE. AS OF NOW, I CAN'T PAY MY PORTION AND TODAY 'S THE XXXX. I CAN'T CONTINUE TO DEAL WITH THE STRESS OF THIS BS AND IT NEEDS TO STOP OR I WILL SEEK LEGAL ACTION. I'M XXXX AND A XXXX XXXX XXXX I DO NOT NEED NOR DO I WANT THIS UNDUE STRESS!
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint against Equifax for failing to comply with my rights under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I sent Equifax a formal dispute requesting details on the verification of several accounts listed on my credit report. Despite my request, Equifax has not provided the information required by law. 

Background On XX/XX/year>, I disputed the following accounts and requested verification details : 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 Under Section 611 of the FCRA, I requested : 1. A detailed explanation of the methods Equifax used to verify the accuracy of the information reported for these accounts. 
2. The full name and contact details of the source that provided the verification. 

Issue Equifax has failed to : - Provide the requested verification details. 
- Respond within the legally required time frame. 

This lack of response constitutes a violation of my rights under the FCRA. The law mandates that credit reporting agencies must provide consumers with the procedures used to verify disputed information and the contact details of the data furnisher.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. I have contacted EXPERIAN multiple times to get this resolved and nothing happened. Please remove these fraudulent accounts from my credit report as soon as possible. 

Account name : XXXX XXXX XXXX Account # : XXXX .... 
Date opened : XX/XX/ Account total amount : {$24000.00}
Product: Mortgage

I can't even explain how difficult Fay Servicing is. This began several years ago when my mortgage was with XXXX XXXX. I was in the midst of a modification when XXXX hit. I was told by XXXX that all actions are stopped until the pandemic is over. Fast forward, pandemic is over and I am then notified that Fay Services now owns my loan. Nothing was carried over from XXXX in terms of my application process. Years later I am still struggling with Fay. My local CEO was able to get in touch with Fay and help me with a trial modification for XXXX months. That was for XXXX, XXXX, XXXX of XXXX. They finally approved the modification. My mortgage payment almost doubled. In the final documents. my mortgage was to be automatically debited from my checking account in XXXX of XXXX. It never was. I called countless times to try to make a payment and I was told no payments are being accepted at this time. I tried only to log in to try to pay as well and I am not allowed into my account. I was advised by a attorney ( who I can not afford anymore ) to still send payments in using certified checks along with certified mail and to keep copies and proof of everything. Last week of XXXX, I sent in XXXX months of my mortgage. The fees they are saying I owe are in the thousands. I call and they say everyday I am late more fees are added. Again, I am trying to make payments. It seems that by them not allowing me to make payments they are just making it extremely impossible to pay for all these late fees. I have documented so much. I have asked for records of all my previous payments via phone calls. XXXX representative will say they will email them and I never receive them. I call the next several days and I am told I should know all of this and this should be better communication with my attorney? I do not have an attorney anymore because as of XXXX this was supposed to be all cleared up. I have sent several requests via email to Fay and they return my message and use every possible excuse such as not having correct info on my email such as account number and social security number. I submit everything they ask and still nothing has been received until this past week. I received my certified check back that they will not cash with a letter stating that the amount is nor enough. I was also told by XXXX representative when asked was XXXX the same company as Fay and the rep lied and said no, they have nothing to do with XXXX another. This is also false. I have been trying to research as much as I can about Fay. It seems many customers have similar issues. Maybe I do need another attorney to help but I just don't have the extra money to pay for another attorney. I was also told told that XXXX XXXX is starting as of XX/XX/year> via phone rep. I clearly don't understand this because I am trying to pay them. I desperately need help. I'm hoping someone can steer me in the right direction. Thank you for listening and hope to hear from you.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX 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 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 to be removed/updated.

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. 

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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX, CA XXXX  THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX   THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT EMPLOYMENT INFO XXXX XXXX XXXX THIS IS NOT MY EMPLOYER AND NEVER WAS PLEASE REMOVE THIS OFF MY CREDIT REPORT MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, ACLU, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge.

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested information.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had many late payments on an account that I was never late on. Consumer Reporting Agencies have taken on a vital role and have a responsibility to report on consumers to the best of their ability with Maximum Accuracy. I have never been late on payments on the Account Name : XXXX XXXX XXXXXXXX Account Number XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments be brought up to date on time as they should be as I have NEVER been late. Thank you.
Product: Debt collection

IC Systems just showed up on my XXXX XXXX report ( showed up in the last month ). It says it was open XX/XX/year>. I have not received any correspondence from IC Systems. I did not miss payments on anything during that time period so not sure where a collection would come from.
Product: Credit reporting or other personal consumer reports

The company is reporting incorrect information and will not delete it from the credit report, I have sent serval letters and shown proof that the information is incorrect but they keep coming back saying verified. I have a copy of the laws that the companies are breaking and will submit it.
Product: Mortgage

In XXXX, 2014 we obtained a mortgage loan from Capital One 360 Mortgage Co. One of the account holders is prohibited from accessing any monthly loan statements or other statement whatsoever. The loan is in the joint name of a husband and wife. When attempting to access statements the wife has been refused access to any statement and was told that only the husband may access statements and that he has to have a separate sign in and access code. The wife is the person who initially obtained the loan and handles payments and maintenance of the account. 
Capital One is practicing blatant discrimination against the wife, requires separate access to the account by each mortgagor, and all contact with customer service agents and corporate officers has not resolved the problem.
Product: Bank account or service

My XXXX debit card was mistakenly given to somebody else at a restaurant. My card was used by that somebody else to purchase {$75.00} worth of shipping at the post office. My bank did not inform me that there would be a {$50.00} surcharge added to my account for their " services ''. The investigation took two months and in the end only {$25.00} was rebated back to my account. Does n't the bank have the obligation to inform me of this {$50.00} surcharge that they claim is federally mandated? I would n't have wasted my time filing different claims and having the headache that I did, had I known they would be charging me {$50.00} to get back my own money ...
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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, credit repair services, or other personal consumer reports

I am a victim on identity thief. 
I have tried to get XXXX  to send the proof of this charge on many occasions but they will not. I call and they say tough i need to pay. This was a frogulant charge and I filled a police report. 
There is no emails, texts, merchant receipts or signatures on this. 
I originally had my secretary open this dispute with XXXX  and she filled the wrong name. A week later we noticed the wrong name and resubmitted this dispute as fraudulent with correct name. This inturn made XXXX  not open a dispute. They said its mine when there is no evidence that it is. I have tried to work with them and explain this is fraudulent but they refuse to care. This is not my charge and my card was used without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX using account # XXXX, # XXXX, # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XXXX XXXX, 2022 our company was scammed by someone claiming to be a Bank of America employee. He made statements of pending zelle payments and said we needed to move funds to a new account. BOA sent me codes to release the funds which were given to the alleged employee, then the funds moved out of our account. The bank sent XXXX letters dated XX/XX/2022 stating they would not cover the scam/fraudulent for each account emptied. I found an article referring to Docket No. XXXX from this Bureaus site and also referring to Regulation E with EFTA .
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed inaccurate information which is negatively affecting my credit and my ability to obtain loans. 

I am writing to formally request a procedural investigation into the accuracy of the reporting on my credit file for the following accounts : XXXX XXXX XXXX ( account ending in XXXX ) XXXX XXXX ( account ending in XXXX ) Please validate and verify that all reported information for these accounts is accurate and in compliance with federal reporting standards. If inaccuracies are identified, I request prompt correction and an update to my credit report to reflect accurate information. I am making this request pursuant to 15 USC 1681i. 

Thank you for your attention to this matter. Please confirm receipt of this request and provide an estimated timeframe for completion.
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/year>, my friends XXXX was hacked. She contacted what she thought was XXXX Customer Service. She found the number on the internet XXXX XXXX, but it turns out it was a scammer. She was asked to download a helpdesk app to assist the technician with resolving her issue. After some conversations with them she did as asked. She then contacted me asking me to take a call from this technician and assist them in tracing and recovering some amount of funds she had been scammed. I trusted her so I agreed. I was asked to download the same app and at that point lost complete control of my phone. She was trying to call me and text to warn me, but they were intercepting the calls and messages, I did not know she was even trying to reach me. They sent funds to and from my Venmo, I was trying to question the actions, but they would not tell me what they were doing, and I had no control over my phone. Next, I saw they went into my PayPal, set up this above contact and initiated the disputed transfer. I was frantic by this point trying to get my phone back to stop them. He started yelling at me saying they had a sniper trained on me and my daughter and if I did not stop trying to block him, they would kill us both. I finally removed the sim card from my phone. There was a few minutes of many websites opening, many XXXX sites and I was closing them as fast as they were opening. That finally stopped and I uninstalled the app that had been downloaded. 
I immediately filed a fraud case with both PayPal and Venmo. My Venmo problem seems to be resolved, and I have closed my Venmo account. This transaction is still an issue. the amount of the transaction through paypal is XXXX they did the transfer from my phone using the friends and family section of paypal. I have filed a dispute with them, number XXXX XXXX PayPal has denied that any fraud took place and had denied several appeals. they keep saying the transfer took place from my IP address so it must not be fraud. I keep telling them that of course it came from my IP address, it was my phone that was hacked and used to make the transaction. i keep getting the same response, word for word, the same response so I am sure it is coming from a bot not a person. I have closed all accounts associate with PayPal so the funds have not come out of my account, but they are still trying to collect it from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is not accurately reporting my on time payments for the months of XXXX, and XXXX For my XXXX ACCOUNT. All my payments have been on time and should be reported accurately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information on my credit report. Upon reviewing my credit report, I have noticed several old names and misspelled names that do not belong to me. I am requesting that these names be removed from my credit report immediately as they are inaccurately reflecting on my credit history.

The incorrect names on my credit report are causing a negative impact on

my credit score and are not a true representation of my creditworthiness. I have attached copies of official documents such as my driver 's license and social security card to prove my correct name and identity. Furthermore, I have also noticed other inaccurate information on my credit report such as incorrect account balances and fraudulent charges. I am requesting that these inaccuracies be investigated and removed from my credit report as well. Section 609 of the Fair Credit Reporting Act ( FCRA ) allows consumers to request all information in their credit files, including the source of that information. Section 623 of the FCRA allows consumers to request an investigation into disputed information, which can help corr
ect errors and ensure the accuracy of their credit report.