23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am writing to file a complaint regarding my IKEA Visa credit card. As a new cardholder, I was promised a {$25.00} reward certificate if I spent {$500.00} outside of the Brand within the first 90 days of opening the account. However, I have not received this reward certificate despite meeting the spending requirement in XX/XX/2022. 
I opened my IKEA Visa credit card account XX/XX/2022 and made purchases totaling over {$500.00} outside of the Brand within the first 90 days. I was expecting to receive my reward certificate soon after, but it has been over 2 months since I fulfilled the requirement and I have yet to receive it. 
I have contacted the customer service department of the card issuer multiple times to inquire about the status of my reward certificate, but have not received a satisfactory response. They have not been able to explain why I have not received the certificate or when I can expect to receive it. 
I am very disappointed with the lack of transparency and communication from the card issuer, and feel that I have been misled by their advertising of this reward offer. I believe that the card issuer is in violation of the Truth in Lending Act and the Credit Card Accountability Responsibility and Disclosure Act. 
I would appreciate your assistance in resolving this issue and receiving the reward certificate that I am entitled to. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following item are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : I previously disputed this account with the credit bureaus and it was deleted from my XXXX and XXXX report but Transunion failed to perform an investigation and delete the disputed information. 

This items is either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts, names, and addresses I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a home equity loan back in 2017 that the bank showed we defaulted on and reported this to the IRS and issued a 1099 form accordingly ... ..We were never notified at the time and subsequently sold the property to whom the XXXX  was attached and the attorney handling the sale found the line of credit balance and paid the bank ( Suntrust ) the outstanding balance at the time of the sale ( {$27000.00} ) ... .we have the transfer of funds paperwork from the attorneys office as well as a letter from Suntrust saying the debt was satisfied, however we asked that a corrected 1099-c form be sent to the IRS as well as reporting the debt satisfied and accounts closed to the three credit bureaus and they refused to comply ... ..It has now developed into a huge problem with the IRS holding me and my wife liable for the XXXX which they perceive was the result of debt forgiveness ( 1099 ) they claimed back in 2017 ... ..All they have to do is submit a Corrected 1099-c form to the IRS and they have refused ... ..If the file transfer did not go thru... please alert us... we can send over all the files upon request
Product: Credit reporting or other personal consumer reports

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

these Accounts are All due to fraud
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}
Product: Mortgage

On XX/XX/2022 I notified CFPB of a forebearance I was given by Mr cooper mortgage company. CFPB OPENED AN investigation and mr cooper responded with an approval of my forebearance with correspondence letters being sent to CFPB dated XXXX XXXX showing I was approved for forebearance through XXXX XXXX, and removed negative items from credit report after sending me a letter stating they didnt put it there. which can be found on the CFPB website. Also the letter stated no delinquency will be reported to credit reporting agencies. However, Mr cooper has not honored the agreement they have sent you or I. The first XXXX months I was in forebearance I continued to make payments even though I didnt have to. ( XXXX XXXX XXXX  ) I never missed a payment. This is the second forebearance they have granted me and my second complaint with CFPB. ( XXXX ). The reason for my complaint is the same as the first time. They have reported to credit reporting agencies and my score has dropped over XXXX points leaving me unable to refi my first and second mortgage which was one of the reasons I needed the forebearance in addition to the hardship. My score has gone from a strong XXXX from me working so hard to get it there to XXXX. Ive called them repeatedly to rectify this and each time Ive gotten different people stating Im in a forebearance and others stating Im not. Some telling me they are sorry Im not in a forebearance because the loan matured. Well, for XXXX months Ive been told and have been thinking I was in forebearance until XX/XX/2022 because this was what I was told. CFPB was sent correspondence stating Im in forebearance and so was I. Never was I sent a letter stating I wasnt. This is unacceptable. All the company can tell me is I owe XXXX. My most recent call was Thursday and the young lady told me there was a glitch in the system but her and her supervisor was working to fix it so that the correct information would be sent to credit reporting agency. And it should be taken care of in XXXX days. Then Friday I spoke with another lady who stated very unconcerned shes sorry but there is no forebearance and none could be done. Saturday spoke with XXXX who took the time to read all notes listen to my grievances and stated he would send to escalation who I know cant help me with this. Now my credit is ruined. I cant get a loan. Time is running out! I cant get a parent loan for my XXXX  who is in college that Ive gotten for the last XXXX years because that was denied because of this too. And all they can tell me is they are sorry. My first mortgage is XXXX. It is current and I pay on time! I will not allow mr cooper to steal my home over XXXX. Because I feel this is their agenda.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Capital One on several occasions both in writing and via phone regarding a charged off account that is reporting on my consumer file, however I have been unsuccessful with getting a proper resolution. I am requesting that this account be deleted from my consumer report. 

15 USC 1681s-2 ( 3 ) States that if the accuracy of information is disputed the data furnisher may not furnish the information without notice that such information is disputed by the consumer : Capital one has continued to furnish this inaccurate information to the credit reporting agencies and has continued to report the status of this account as Not disputed despite written notices of disputes that I have mailed ( Please see attached proof ). 

Gramm-Leach-Bliley Act ( GLBA ) protects the consumers right to privacy by requiring financial institutions to notify the consumer of their right to opt out of their information being shared with third parties : Capital One never notified me of this right in relation to this account, I have reviewed the original contract ( which I have attached ) issued to me by capital one and it does not address my right to opt out of my non public information being shared. I was never emailed or notified via phone call regarding this right which I would have exercised had I been informed. This is a violation of the ( GLBA ). 

The Fair Credit Reporting Act ( FCRA ) states that the consumer has the right to an accurate and complete consumer report. Capital One has violated this right by reporting two different dates on last activity to XXXX and XXXX ; reporting an incorrect dispute status ; incorrect balance of over {$8000.00} although the agreed settlement amount is {$1200.00}. They have also provided incomplete payment history to XXXX from XXXX by omitting balance, amounts paid and scheduled payment amounts essentially leaving the entire account history blank and incomplete for two years ( Please see attached proofs ). 

According to the IRS General Instructions for Certain Information Returns ( XXXX ) a creditor must furnish the recipient with form XXXX for charged off accounts. I have requested this document from Capital One multiple times in writing and via phone call, however they have refused to provide me with a copy of this important tax document ( please see attached proof ). This account was charged off in XXXX ; it has now been 4 years and they have continued to refuse to provide me with this document. The IRS considers the charged off amount to be income to me ( the recipient ) which I must report on my income taxes as earned income. If this amount is considered income and the debt is considered forgiven then it should not be reported on my consumer file because income is not reported on the consumer report. 

I am hereby requesting that this account be removed from my consumer report for violation of my rights under the FCRA ( by reporting inaccurate and incomplete information ) and GLBA ( by not informing me of my right to privacy and to opt out of sharing my non-public information ).
Product: Debt collection

MIDLAND FUNDING has continued to harass me for weeks even after I have told them to stop contacting me. In accordance with 15 U.S. Code 1692c - Communication in connection with debt collection they are not supposed to contact me without my prior consent which I have not given them, they are currently in violation of this statute. They also continue to contact me at unusual time and places such as this week when I was attending a funeral. This is also still violating 15 usc 1692c. When they call me they instantly tell me that I owe them a debt which is not paid for, and communicated with me more than once after i requested that they not contact me anymore. This is a violation of 15 U.S. Code 1692b ( 2 ) which states that a debt collector may not state that such consumer owes any debt.
Product: Checking or savings account

oops... .. over draft checking accounts could not keep up with all the fees
Product: Payday loan, title loan, or personal loan

When applying to Wells fargo bank i disclosed to the bank officer my current XXXX XXXX   credit scores and to verify if my score would be acceptable for approval. The banker did not disclose to me that Wells fargo uses a different scoring model of XXXX score XXXX and approval would be based upon that factor, which led to the denial of credit.
Product: Mortgage

Wells Fargo bought out my loan from another bank, because I got a letter saying my mortgage had gone up and then got evicted.
Product: Credit reporting

XXXX XXXX has the same account reporting twice on my credit report they both have a credit limit of {$180000.00} with a open date of XXXX 2008. I have contacted all XXXX credit Bureaus asking that they please remove these duplicate accounts but they keep responding verified. How is it possible for me to have XXXX accounts opened on the same date for the same amount? I want these duplicate accounts removed from my credit reports please.
Product: Debt collection

Debt was never mine. Identity theft. Debt doesnt show on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 my mortgage was reported late. I phone in on XX/XX/2019 to pay my mortgage. The bank stated when trying to get the money out of the account. They had the wrong acccount number. I showed proof that the money was in the account at the time. It was a error on the teller part. They keyed the wrong information. Because of a error on their part my credit scores dropped.I have disputed they wrong reporting. I contacted the bank 3 times. No changed in the reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2900.00}, {$370.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$370.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, XXXX XXXX XXXXXXXX XXXX is conflicting between two different credit bureaus. The date opened, the high credit, the last reported and the date last active are all different between both XXXX and Experian. The information is not valid and needs to be deleted. This has been a hinderance to my lifestyle and has affect me tremendously. 

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 XXXX XXXXXXXX Acct XXXX XXXX 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 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 the records of convictions of crime which antedated 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

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  XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXXXXXX has violated my rights. Or 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 reporting, credit repair services, or other personal consumer reports

This car loan doesn't belong to me the subject : XXXX XXXX sr ( without prejudice )
Product: Debt collection

I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. I want this account to show XXXX balance and be reported to all credit agency in the time manner
Product: Mortgage

Monday, XXXX XXXX, 2016 I am not agreeing to pay for errors made by Wells Fargo in setting XXXX sale dates for my property which when challenged led to the withdrawal of those sale dates. 

Wells Fargo has had to withdraw these XXXX sale dates placed on my property because they were in error when the dates were set and because they have mismanaged the servicing of my loan and my request for mortgage assistance. As the lender is well aware, they had to withdraw sale dates set for XXXX XXXX, XXXX XXXX and XXXX XXXX, 2016. 

I do not expect nor will I accept the costs associated with these XXXX sale dates to be added to my loan. I am disputing any charges for these XXXX withdrawn sale dates and expect Wells Fargo to confirm here that no charges will be made to my account for this purpose. 

XXXX WITHDRAWN SALE DATES A TIMELINE OF COSTLY DELAYS & MISMANAGEMENT In spite of the fact that XXXX XXXX XXXX XXXX XXXX ( XXXX ) had already pushed back a XXXX XXXX, 2016 sale date due to servicing errors and received written confirmation dated XXXX XXXX from Wells Fargo that I had until XXXX XXXX to provide documents according to a checklist they provided, Wells Fargo still set another sale date for XXXX XXXX, 2016. 

When XXXX challenged the lender 's basis for setting a third sale date, Wells Fargo withdrew the XXXX XXXX sale date. 

In. XXXX XXXX letter, XXXX XXXX XXXX states that no sale date was in effect when in fact her office had set a sale date for XXXX XXXX. On XXXX XXXX, she stated that only XXXX document was needed to complete my loss mitigation package and that document was provided to her during the call with XXXX XXXX XXXX, XXXX. of XXXX. XXXX challenged the XXXX XXXX sale date and it was also cancelled. 

On XXXX XXXX, I wrote Wells to follow up on my request for mortgage assistance. XXXX XXXX XXXX called me soon after to tell me a sale date had been set and that he was escalating inquiries about my application. Subsequently, the XXXX XXXX sale date was withdrawn.
Product: Debt collection

This company calls after XXXX. Tonight they called at XXXX XXXX  my time again tonight. I've not heard anything from my first complaints in XXXX when one call was at XXXX XXXX  & XXXX XXXX. So they can continue to call me and I'm trying to still recover from fractures in my spine. I have a fracture in XXXX, XXXX, XXXX, XXXX all with now XXXX XXXX. Them calling me at XXXX XXXX  is stressing me out, I was just to my XXXX XXXX XXXX yesterday.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

Bank of America stated that it sent a response to my complaint XXXX directly to me on XXXX. As of today XXXX I have not received it. I only received Bank of America response to my other complaint with CFPB, but not to XXXX.