23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting prohibited information/income on my consumer report. I have sent several disputes, cease and desist and still they continue to mis use my consumer report.Pursuant 15 USC 1681s-2 law clearly states a ) Duty of furnishers of information to provide accurate information. 

Pursuant to " XXXX XXXX XXXX XXXX  XXXX Experian XXXX. '' deals with the issue of whether the issuance of a XXXX form alone is sufficient to claim that a debt was XXXX and should not be reported. In this context : - XXXX Form** : A form issued by a lender to the IRS and the borrower when they cancel a debt of {$600.00} or more. It typically indicates that the creditor is no longer attempting to collect the debt. 

- **Key Legal Question** : Whether the issuance of a XXXX form by itself means that the debt is legally XXXX and therefore should no longer be reported to credit reporting agencies like Experian. 

**Court Findings** : - The court found that issuing a XXXX form alone is not sufficient to claim that a debt was legally XXXX. 
- The debt can still be reported to credit reporting agencies unless there is additional evidence indicating that the debt was actually XXXX under the law. 
- The issuance of a XXXX form is primarily for tax reporting purposes and does not necessarily affect the legal status of the debt. 

This decision underscores that the mere act of a lender issuing a XXXX form does not equate to a discharge of the debt for credit reporting purposes. Lenders and borrowers must look at the underlying circumstances and legal documentation to determine if the debt was indeed XXXX. 


As defined by IRS : even if u didnt receive a XXXX you must not report as gross income on you tax returns. 

Cite
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to reinvestigate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$8300.00} XXXX XXXX Balance Owed : {$690.00} XXXX XXXX *** Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$8300.00} XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8500.00} XXXX XXXXXXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

They have wrong name and address on credit profile. Its not the correct name as whats on my Drivers license and address. 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Mortgage

I have been on time for all my payments for the last 8 years. I experienced an economic hardship in XXXX XXXX, 2017. I contacted Nationstar to inquire about payment assistance. The representative informed me that I qualified for a payment plan. My XXXX mortgage could be spread out for 3 months. She informed me that my credit would be reported as delinquent during the 3 months, but at the conclusion of the 3 months and if I was meet the terms of the payment plan, my credit would be would be reversed through a credit dispute. I decided to go with the payment plan. A month later, XXXX/XXXX/17, I was greeted with a notice on my door with a letter Nationstar asking me to call to confirm that the property was not abandoned. I later received a {$15.00} charge on my statement for a property inspection, the fee to serve the notice. I called to inquire why I was charged this fee if I was in communication with Nationstar and have set up a payment plan. The supervisor explained that the fee could not be waived and that it was part of regulations. She could do nothing about it and informed me that the representative should have informed me of the {$15.00} fee. Throughout the 3 months of the payment plan, I receive daily automated phone calls harassing me to call Nationstar because of my delinquent status. I have attempted to call them back and the representatives are always confused if I have a payment plan why I receive the calls daily, yet they still continue. In the end, I have completed my obligations for the payment plan in full on XXXX XXXX,  2017 as scheduled. I inquired the process of reversing my credit as was explained to me when I signed up for the payment plan. The supervisor said I can complete a credit dispute but there is no guarantee that it would be reversed and explained that the initial representative gave me false information. I wanted to file a complaint, but the supervisor could not tell me who was the initial representative that set up the placement plan. I would have sought other alternatives if my credit would be tarnished. I believe it is ridiculous to be charged hidden fees for the property inspection when I am in communication with the organization and there was no need to see if the home is vacant, especially when experiencing economic hardship, and especially when I am being compliant to the terms of the payment plan. In addition, the daily phone calls and emails are harassing. The information provided about the payment plan is false.
Product: Credit reporting or other personal consumer reports

I appreciate the attention given to rectifying the fraudulent entries within my file resulting from alleged illicit activities. However, notwithstanding your efforts, there remain outstanding items necessitating removal. This communication marks my secondary attempt to address the repercussions of fraudulent activity, seeking to dispute specific entries stemming from said criminal conduct. The disputed items do not correlate with any legitimate transactions or authorized actions on my part, pertaining to the acquisition of goods, services, or financial assets. Regarding the entries within my credit file attributed to the alleged fraudulent activity : EXPERIAN : 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  : {$560.00}. These aforementioned entries are entirely unfamiliar to me. Furthermore, discrepancies exist in the information provided, with instances of data deletion by other bureaus, casting doubt upon their accuracy. The reported payment histories of certain accounts remain shrouded in mystery. Pursuant to FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I am within my rights to request the removal of such questionable entries.
Product: Mortgage

XXXX with HomeBridge Financial Services delayed the closing for 15 days. We had asked from the very beginning if it was feasible to close this in 30 days he assured us it was, knowing the clients low credit score and harder qualification process. The week of closing he was requesting verification on renters history which should have been dealt with way earlier. He was not getting any response from the Rental office for days. After we found out the hang up was he never send them a Release from the tenant to request this information and they asked for it multiple times. It took the selling and buying agent to help with this and get him the information needed. At this point we just needed a day more to get it closed said XXXX. We had to extend the contract for another 2 weeks with a total of XXXX Extensions. Very unprofessional and he was not up front just leading us on thinking he can make it happen and then did not come through. His manager XXXX XXXX got involved and assured us they were working really hard on this file. I believe that was true but not until the last 2 weeks of the process which was after we should have closed. My buyers were very frustrated with the process and it did cost them more money since we did not close XXXX XXXX and they had to pay another months rent. Closing was finalized on Friday, XXXX XXXX at the very end of the day with the money not clearing until Monday. I do n't want any other buyers having to go through what my buyers had to experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion file number XXXX Dated XX/XX/2020 page 10 of 11 shows under supplemental Consumer information Auto Finance Inquiries in last 3 months shows 2 last 6 months shows 2 last 9 months shows 2 I have not applied or made no inquiries on no auto finance as stated by transunion on page 10 of 11 file number XXXX I would like documents signatures showing me applying or requesting a loan. as stated by Transunion/ any party stating this on auto fin inquiries I have also filed with US Attorney office as well DOJ on this matter with no documentation to support these inquiries not verbal or some letter stating the facts.
Product: Money transfer, virtual currency, or money service

I'm filling a complaint against chime and XXXX. On XX/XX/2024 at XXXXXXXX XXXX I made an transfer for {$450.00} via XXXX to chime. It accidently went to a year old closed account. Both entities claims it should have bounced back to XXXX  with 3 to 5 business days. It's been 20+days, countless calls to both and I still hasn't receive it. Both entities refuse to give me my funds.XXXX employee claims it was successful and chime claims they haven't received any transactions. So I'm reporting Both for theft and ill continue to file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute in the Equifax website about my credit report. In their report they were duplicating my student loan balances that have been transferred from XXXX XXXX to XXXX  XXXX  ( on XX/XX/XXXX ) and subsequently were transferred from XXXX XXXX to XXXX ( on XX/XX/XXXX ) by the Department of Education. 

My credit report with Equifax shows I have double the amount of student loans : the actual open accounts and balances with XXXX ( reported correctly ) plus duplicating the same loans as open and with the corresponding balances with XXXX  XXXX. Reporting my student loan accounts with XXXX  XXXX as open with the original balances instead of {$0.00} balance and that they had been closed and transferred as XX/XX/XXXX is clearly a reporting error. Equifax contacted me with the results on XX/XX/XXXX stating that the status of open and the corresponding balances with XXXX XXXX were correct after they carried out their investigation. 

It is impossible that XXXX  XXXX reports that I still have open student loan accounts with them and their corresponding balances. All my student loans were paid off and transferred to XXXX on XX/XX/XXXX as demonstrated by the letter from XXXX  I enclosed in my complaint with Equifax and that I am enclosing for this complaint with CPFB too.
Product: Money transfer, virtual currency, or money service

I had multiple transfer attempts that Zelle confirmed had gone through that had, in fact, not gone through. I was transferring money to my partner to contribute to the mortgage payment. If my partner had not informed me that the transfers had not gone through, I would not have known because I did not think I needed to check my account balance after making the transfers due to prior successful transfers with Zelle and there having been confirmations for the transfers from Zelle XXXX that later turned out to be false ). This could easily have resulted in missed mortgage payments if my partner were not so vigilant. 

I also understand that Zelle was rushed to market to compete with other peer-to-peer transfer apps and was done so without putting proper safeguards in place, thereby eschewing my financial safety and security. This makes me angry and I want compensation for all of the above.
Product: Money transfer, virtual currency, or money service

I was searching XXXX XXXX XXXX in XXXX XXXX, XXXX thru XXXX ( Moving from XXXX to XXXX XXXX XXXX XXXX and found that room is available and contacted thru XXXX  whether room is still available or not and he replied back with Room is available and share room photos and asked {$700.00} advance to book the room and he share the mobile not to tansfer the amount {$700.00} thru XXXX provide the mobile no is XXXX and i did transfer {$1.00} for confirmation and remaining {$690.00} transferred after his confirmation and after that he did not reply and not picking the call. 
XXXX much frustrated about this incident and i called my bank, explained about this issue and My bank asked XXXX to denied the transaction which happen on XX/XX/XXXX or revert from receive bank, however receive bank informed that fun has been moved to other bank on the same day, unfortunately we could not refund like that receive bank informed. 
Kindly help on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving my daily Experian and XXXX  credit reports on XX/XX/2020, I noticed that two previously removed items were re-inserted. The accounts in question, XXXX XXXX, ( account # XXXX XXXX and XXXX XXXX ( XXXX XXXX were deleted previously due to the company 's failing to properly identify me. This is a blatant violation of the FCRA, which it appears reporting violations are becoming a regular practice of Experian and XXXX. Moreover, in accordance with the FCRA, if any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have experiencing XXXX and Hardship i have a my personal information stolen i have a police report I will upload! I reviewed my consumers reports and notice that I had serval late payments on accounts that I was never late for. Consumer reporting agencies have assume a virtual roll and have a responsibility to report consume to the best of there ability with maximum accuracy. I have never been late for payment for any of these accounts. ( 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  Please investigate and provide proof with statements showing that these payments were late. If proof can't be provide I demand these payment be updated to on time as they should be as I was never late.
Product: Checking or savings account

I have an issue regarding of my Paypal account and i've been using it for almost 2 years now, and i just got received an email that i can no longer use my account permanently without receiving any notice. They just permanently limit my account just like that. Please help me restore my account. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, XXXX XXXX XXXX, and CAPITAL ONE BANK USA. I have always made my payments on time. As you can see, I have always had a stellar payment record with these companies. I tried contacting all 3 bureaus and XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, and CAPITAL ONE BANK USA with no successful resolution. There was definitely an error on their part.
Product: Checking or savings account

I am an American living abroad in XXXX. I am XXXX years old. I have been here for 7 years. I am a veteran and living on XXXX due to a XXXX XXXX XXXX I suffered in XXXX. I am a XXXX XXXX XXXX from XXXX XXXX Ca. Wells Fargo is my bank. Oddities occurred on my account in XX/XX/2021, I called, cancelled and asked for replacement. Mind you I have been here a long time all of my transactions have been made here. I have a XXXX  phone with the Wells Fargo app. on my phone and I use my fingerprint to sign in into my account. In the past 4 cards have been issued to me in XXXX. ( 2 arrived ) the one I requested XXXX a XXXX this episode was sent to my US address even though it was clear I dont live there and it is NOT my mailing address which is quite clear and in the Wells Fargo app. on my biometric phone. Every single time I have had to get a new card from these people its been a nightmare, they are asking me random questions that thay got from public records on the internet. For example, they asked me if I ever lived on such and such street, which I did for maybe 3 months 26 years ago and the only reason I know that is that it was my ex wife 's place and she lived there for a decade. I know every password, user name, email address, code whatever associated with my account but random XXXX off the internet is the final level of authentication to get me my card when Im flat broke with my rent due and plenty of money in the bank. I have spoken to about 40 people ( many at international long distance prices ) and spent over 8 hours total on the phone this issue, eventually screaming at the idiosy of thier " process '' which is a joke. I just got off of the phone again with them and I have no choice now but to apply pressure from the outside. I need that card yesterday but I cant get anything accomplished on my own I hope you will help.
Product: Mortgage

Our account was just transferred to another servicer. From XXXX to SLS. 
All of the documents requested by XXXX was submitted. They had a complete modification package according to the representative assigned to our account. 
We had no idea our loan serving had changed until we received the letter. 
SLS sent us a letter of denial for a loan modification that they did not process.
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. 
Accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX These accounts have 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 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: Debt collection

Yes I have several accounts on my credit report that are not mine, along with addresses that are mine along with phone numbers
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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

The bureaus are reporting erroneous items on my credit. I had previously filed a dispute and have been for months now and have yet to see any letters or changes to my credit. I have attached the letters that I most recently sent. Please send me results immediatley.
Product: Credit reporting or other personal consumer reports

Equifax refuses to take responsibliity for what they are doing wrong. The companies reporting to Equifax are not the problem. Equifax is the problem. Nothing of any consequence has changed on my credit history to warrant lowering my credit score from XXXX to XXXX. A response that only includes swiping generalizations doesn't many anything. 
They can't give me a specific reason for lowering my score because they are not willing to admit they are wrong.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report with Transunion Reporting agency and discovered an inquiry from XXXX XXXX XXXX. I have never applied for any credit or services from this Bank / Company. I called them directly and ask what this inquiry was for and was told they do not have any record of me making application to this company. I asked that this inquiry be removed from my Transunion credit history and any other agencies that they use.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect " at fault accidents '' when the events were actually hit and run. The persons who hit my vehicles left the scene. I was not at fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX DEPT OF ED/XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX. 
Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX These accounts has violated my rights. 
15 U.S.C 1681 section 602 A states that 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 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items 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 reporting, credit repair services, or other personal consumer reports

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant XXXX  and financial XXXX, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.