23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I had the mortgage co make a big mistake on my mortgage so they sent a letter out to all agencies to remove any negative marks for XX/XX/XXXX and XX/XX/XXXX as is shows on both XXXX and trans union! This went out in several months ago and i requested a new one today so i am attaching both my letter and a copy to show the lates they are reporting in error!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Delaware XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Regarding Incorrect Charge-Offs on Credit Report - Equifax Dear Sir/Madam, I am writing to file a formal complaint regarding inaccurate information being reported by Equifax Information Services, specifically relating to charge-offs on my credit report. The charge-offs in question are from the following creditors : XXXX  XXXX ( reported as a charge-off on XX/XX/XXXX XXXX XXXX XXXX XXXX reported as a charge-off on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX  ( reported as a charge-off and was included in my bankruptcy ) These charge-offs are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. According to the FCRA, charge-offs that have been included in a bankruptcy discharge can not continue to be reported as active charge-offs on a credit report. The charge-offs related to XXXX XXXX XXXX  XXXX in particular, were discharged through my bankruptcy, and as such, they should no longer be listed as charge-offs on my credit report.

Additionally, I have not received any Form 1099 from these creditors, which is typically issued when a debt is forgiven or charged off. Under IRS guidelines, creditors are required to issue a 1099-C ( Cancellation of Debt ) form if the charge-off is over {$600.00}. The failure to receive a 1099 form raises further concerns regarding the accuracy and legitimacy of the reporting of these charge-offs. 

I have already reached out to Equifax directly via written correspondence regarding these issues. Unfortunately, I have not received any response from them, which has led me to file this complaint with the CFPB for further investigation. 

Relevant Legal Provisions : Fair Credit Reporting Act ( FCRA ), Section XXXX681c : This section outlines the regulations for how long negative information, such as charge-offs, can remain on your credit report. Charge-offs related to a bankruptcy discharge must be removed in accordance with these laws.

Bankruptcy and the Reporting of Debt : Any debt that was discharged in a bankruptcy proceeding can not legally remain as an active charge-off on a credit report. Reporting discharged debts in this manner is a violation of federal law.

IRS Form 1099-C ( Cancellation of Debt ) : Creditors are required to issue a 1099-C form if a debt of {$600.00} or more is canceled. The failure to issue such a form raises questions about the legitimacy of the charge-offs.

I respectfully request that the CFPB assist me in ensuring that these inaccuracies are removed from my credit report and that my rights under the FCRA are enforced. The continued reporting of these charge-offs is both harmful and unlawful.

Thank you for your time and attention to this matter. I am hopeful that this situation will be resolved promptly. Please let me know if you require any additional information or documentation from me. 

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

I MAILED IN MY FTC ALONG WITH LETTERS ASKING TO BLOCK FRAUDULENT ACCOUNTS
Product: Credit card

Ive not had any prior issues with Capital One granted Ive only had an account for a small time now. On XX/XX/XXXX my beginning of the day available credit was {$770.00}. I went out shopping for XXXX gifts and before doing so called to tell you all of this and to see if I could do anything to pay off my balance and have my available credit adjust near instantly. The representative said that I could do a bill payment ( as Ive done before ) or wire transfer for almost instant posting. I went ahead and used my card and at the end of the shopping spree my available balance was {$67.00}. So to have this increased I went ahead and paid {$500.00} from my Capital One checking using bill pay. When I got home and was doing my budgeting I seen I had enough extra to go ahead and pay more so I paid another {$120.00} from my C1 checking bill pay. I wake up on XX/XX/XXXX to see my {$500.00} posted but not added to my available credit. I keep calling in to get answers and get a different response everytime! The most common ones is A ) the pending transactions in my account are effecting it B ) the money I used on XX/XX/05 included the {$500.00} I paid at the end of the day C ) the money is being held. As per Capital One terms of service they are legally obligated to not withhold any money that has been posted to an account from its available balance. Ive done this a few times when my available credit was low using bill pay from my Capital One checking and Ive never had my money withheld for more than 48 hours from my available credit. Not only is this wrong its illegal and shows Capital One violating their own Terms of Service.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Inaccurate Reporting on XXXX XXXX XXXX  Account ( Account # : XXXX ) ** Dear CFPB, I am filing a formal complaint regarding the reporting of inaccurate information on my XXXX XXXX XXXX account ( Account # : XXXX ) and requesting immediate corrective action. The reporting reflects a late payment ( 30 days ) that is not accurate, as payments have been consistently made and the account remains in good standing. 

Details of the Dispute : Inaccurate Late Payment Reporting : The late payment reported in XX/XX/2024 is inaccurate. Payments were made as agreed, and no missed payment should be reflected on my credit report. This inaccurate information is damaging to my credit profile and violates my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), which requires furnishers to ensure the accuracy of the data they report.

Current Payment Status : As reflected in the reporting, my account status is " Current '' across all bureaus, yet the erroneous late payment entries remain in the payment history. This inconsistency further highlights the inaccuracy.

Violations of Consumer Rights : Under the FCRA ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information on my credit report, and creditors must investigate and correct such inaccuracies. The Truth in Lending Act ( TILA, 15 U.S.C. 1601 ) requires transparency and accuracy in
reporting account terms and conditions, which has not been upheld.

Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ), the misrepresentation of account status or payment history constitutes an unfair practice.

Harm Caused : This erroneous reporting has adversely affected my credit score and financial credibility, limiting my ability to access favorable credit terms.
Product: Money transfer, virtual currency, or money service

I am making this complaint because despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
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 U.S.C 1681.

Incorrect information : Name : XXXX XXXX, XXXX XXXX Address : XX/XX/XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : that no consumer reporting agency may take 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. 

15 U.S.C 168s-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: Mortgage

In early XX/XX/XXXX, I received a {$2700.00} deposit into my bank account from PennyMac. No explanations or documentation was provided for this deposit, so I'm guessing this was a refund for my recent tax exemption approval. Subsequently, XXXX XXXX XXXX sent PennyMac 3 separate checks for the refund, per law, collectively for approximately {$7600.00}. I do not have copies of these checks, but I will request them from the XXXX XXXX XXXX. I am a XXXX XXXX XXXX XXXX and my exemption was approved for retro exemptions for the years XXXX, XXXX, XXXX. I received approval for XXXX this past XXXX. On my mortgage statements, the escrow being charged has not changed since I received this exemption. I've tried several times to contact PennyMac on my own and every time I call, I can never get a live person. This is very frustrating and time consuming. I asked my HUD counselor to assist me with this and we finally got a live person on the phone on XX/XX/XXXX. The agent at PennyMac stated that they wouldn't have the new tax amounts until closer to XXXX. XXXX XXXX XXXX has sent the approvals to PennyMac several times, and clearly they know I have this exemption since I received the initial refund. Why, then, is the escrow so high still on my mortgage statement? Where is the rest of the refund- it was sent to PennyMac, it should come to me.
Product: Debt collection

the debit is from XXXX for an XXXX XXXX not my self and have spoken to them and debit recovery solutions
Product: Credit reporting or other personal consumer reports

There are some inquiries that are not authorized on my account.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) 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 ( MONTHS REPORTING LATE ) 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 XXXX  days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

on or about XXXX this writers pulled his credit report and discovered a plethora of incorrect, unauthorized and fraudulent or/and negligent information, inquiries and accounts. 

on or about XXXX this writer sent a letter to equifax information services, llc requesting removal or/and a proper re-investigation or investigation pursuant to 15 usc 1681 et al into the incorrect addresses listed on this writers credit profile. This writer sent over with the original request letter the following to verify this writers identity. 1 New York State Drivers License 2. pay stub/ 1099 document ( 2 of them ) and mail. 

on or about XXXX this writer received a letter from Equifax information services, XXXX confirming receipt of this writers letter, however, the above named company is either purposely or/and negligently refusing to remove the requested incorrect information or/and conduct a timely investigation by requesting this writers forward over the very same identity verification documents already in their possession.
Product: Checking or savings account

Approximately 25 to 30 years ago, I opened an account with Wells Fargo to create a trust account. The Trust office was in XXXX, NJ. I closed the account at least 10 years ago. 

However, Wells Fargo keeps contacting me by email asking me to update my information. 

I do not think that I have an account with them They had a scandal many years ago where they created extra accounts for customers. I think they created more accounts for me that I do not know about. 

I have called their 800 number twice and they are unable to resolve the situation. I called the local Wells Fargo Bank, and they do not see my info in their computer. 

However, they keep sending me emails asking for information. 

I can not get them to stop sending me emails. 

It is clear that they have an active account for me that I do not know about. I would like the account closed, and to have them stop sending me emails.
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 : I am filing this CFPB complaint to request that Experian, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), block information on my credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

XXXX XXXX : Account # : XXXX Date Opened : XX/XX/XXXX Balance Owed : {$830.00} XXXX XXXX XXXX  Account # : XXXXDate Opened : XXXXBalance Owed : {$180.00} XXXX XXXX : Account # : XXXX Date Opened : XXXXBalance Owed : $ XXXX These accounts have led to several unauthorized hard inquiries and fraudulent collections on my XXXX credit report. All these accounts, collections, and inquiries are the result of identity theft and fraud. 

Enclosed is a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the U.S. Federal Trade Commission that all the mentioned credit accounts, collections, and inquiries are due to identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submission to the CFPB on XX/XX/scrub>/2024 ( case number : XXXX ) and my submission to the CFPB on XX/XX/scrub>/2024 ( case number : XXXX ), Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. 

I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

I have been paying my mortgage on time for 5 years. I experienced a reduction in my income since XXXX of 2015. In spite of the reduction in income, I remained current on my mortgage payments. Recently, however, I was not able to make payments on my second mortgage with Carrington. I did fill out paperwork with Carrington asking for hardship assistance. Instead, I was sent a document with a repayment plan that far exceeded what I owed in back mortgage payments and exceeded my normal monthly payments. The question I presented to Carrington was one that underscored that raising the amount I owe per month is not a viable solution to my financial hardship. As I discussed the matter with the representative, I was told that I could afford the payments based on the documents I submitted. I am not quite sure how they arrived at that consensus considering my low credit score and overbearing monthly financial obligations. As we discussed the situation further, I was told that I have only two choices ; pay the higher monthly re payment plan or come up with at least 2 regular monthly payments by the XXXX. I was then told that there is no guarantee that the payment will be accepted after the XXXX. I was told that foreclosure proceedings might progress. I am working very hard to raise 2 months worth of mortgage payments to avoid falling into their repayment plan which looks like a scam, because some of the payments wo n't be applied directly to my principal and interest. I 'm asking for intervention into this matter, and a fraud investigation to be opened. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 i called Transunion to speak with the fraud department so they can help me with my issue but they didn't do anything about it. 

On XX/XX/2022 i applied fir a credit card with XXXX XXXX and i got approved. But on XX/XX/2022 i see that another credit inquiry was added to my report for a card i did not apply for.
Product: Credit reporting or other personal consumer reports

XXXX. I been on the phone holding for XXXX hours and then today XX/XX/XXXX over XXXX hours trying to talk with someone in the credit department at XXXX. I was told that XXXX had my XXXX  loans, and they are the ones who reported my account was delinquent, but the person at XXXX stated that XXXX are closed. They did not communicate with me when my repayment period to started back in XXXX or XXXX. So I have delinquent reported on my credit, and they are closed. XXXX can not do anything about it bc I have to go back to the original loan XXXX loan people ( XXXX who transfer or sold my loan to XXXX ) to get it resolved bc it is XXXX mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the credit bureaus XX/XX/2023 informing them of an inaccurate account on my credit report. I do not believe an investigation was done because the account XXXX XXXX XXXX XXXX is still reporting. As stated in my letter, I was a victim of the XXXX XXXX breach and I think my information was compromised because I do not recall opening an account with this creditor. I contacted the creditor by mail, and they have failed to respond or validate this information so why is it reporting on my credit report? Also, how can there be different years listed in the date of last activity for each bureau when all data furnished should be the same? This is the date that stipulates when my account will naturally fall off. This is a violation of the FCRA. I will attach the XXXX data breach claim as well as the inaccurate credit report. I am demanding that this account be removed within 15 days since this is not my first time reporting this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed credit card on my EXPERIAN credit report with late payments that are negatively affecting my credit score. I did not open this card myself, had no knowledge of it, and was not aware of its mismanagement. Once i became aware of the card, i paid it off and closed it immediately. I have tried disputing with Experian, but have not been successful. I really need and would appreciate some help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX n accordance with the Fair Credit Reporting act XXXX Account # 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: Checking or savings account

Between XXXX, Navy Federal Credit Union was inaccurately crediting and/or withholding available funds to accrue overdraft fees. Despite listing a positive balance at the time of the transactions, the account would be charged. Allowed transactions to post that would result in negative balances and multiple overdraft fees.
Product: Debt collection

It appears tha t EOS CCA might  have purchased my debt from another company, or otherwise reported the wrong delinquency date from the origional account. The origional delinquency date was sometime in   XXXX   and they have just reported to the credit bureau or my credit report reflects the date as   XXXX   XXXX   XXXX  , which has obviously affected my  credit score  dramatically. Federal law requires that collection agencies report the origional delinquency date from the oridional account. I want this corrected immediately. I also never received a single letter from this company regarding the debt. The debt was incurred as  XXXX  failed to meet their corporate responsibility in reviewing my account for false charges on my account. I expect this debt to be removed in the federal  7 ye ar time frame.
Product: Checking or savings account

Chime offered {$500.00} to refer a friend if they set up direct deposit. They paid me {$100.00} and said I am not getting rest. They do not dispute that I qualified they are just blatantly refusing to pay. 
When told I wished to file an SAR report I was refused by 10+ agents on their fraud department