23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been searching for assists for a loan modification from Wells Fargo or a hold off on a sell date of my home so that Wells Fargo can review my income and expensive to try and get a modification on the loan. I was denied in XX/XX/XXXX, and was waiting to receive my tax refund to pay the amount to make my mortgage current after finding out I was denied. When going into an local branch to make the payment, I found out that I could not make the payment because I was supposedly three days late. With receiving a raise in pay and modifying my bills I believed I would quilify for a new loan modification and was told by a Well Fargo Rep what to send in. I did just that and on XXXX/XXXX/2016 I faxed all the documents that was asked. I was also told by the Rep that the review would only take 24 hours. Then after not hearing anything in the 24 hours, I called and then was told by another Rep that it could take 72 hours. But their could be a decision made later that day. After not hearing anything again I then called back and was told everything should be ok and I should receive an answer because I had all the information in by XX/XX/XXXX. Not hearing from Wells Fargo continued and I had to keep calling to try and get an update. I call today XX/XX/XXXX. And was told because my foreclosure date is Monday XX/XX/XXXX that they did n't have time to review my loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like for the credit reporting agencies to look over the pdf I attached to see items that should be deleted or disputed.
Product: Debt collection

Zuntafi contacted me about an alleged student loan debt. They reached out through an old address. I responded within 30 days of receiving the letter and sent Zuntafi a certified letter requesting validation and disputing the alleged debt. Zuntafi did not respond within the five days allowed. Zuntafi did not provide me with competent evidence or explain why they could not provide the requested information. Zuntafi has violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g- Failure to validate this alleged debt. Zuntafi has violated other rights as well. As indicated in my attached letter, a follow-up letter was sent demanding that Zuntafi stop contacting me. Zuntafi agent XXXX called using the phone number XXXX ( XX/XX/2023 ) and left a voicemail. She has since sent me an email as well. I have received a new statement despite my insisting that without proper validation and providing competent evidence, Zuntafi stop contacting me.
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 # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Agency name : XXXX XXXX XXXX, Date : XX/XX/XXXX, ( {$480.00} ) Agency name : XXXX, Date : XX/XX/XXXX, ( {$2.00} ) Agency name : XXXX, Collection, XXXX XXXX, Date : XX/XX/XXXX ( {$260.00} ) Agency name : XXXX, Collection, XXXX XXXX, Date XX/XX/XXXX ( {$170.00} ) 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 wit
hout 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, 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: Prepaid card

I received a {$500.00} AMEX prepaid card from my employer as a holiday gift, and I first tried to use it today on XXXX different travel sites ( to buy an airline gift card and to buy train tickets ), but I was declined each time.
Product: Checking or savings account

On XX/XX/XXXX attempted to wire internationally {$350000.00} from my checking account. Company to receive funds was identified by Chase as fraudulent/scam and cancelled wire on XX/XX/XXXX. Immediately after my acct was locked, and 15 days later all {$380000.00} within account was confiscated. After several attempts using contact number ( XXXX ) provided by Chase in letter dated XX/XX/XXXX and getting no information, for several weeks I asked branch representative and manager to attempt contacting Chase corp. to get information about my situation but they too were totally unsuccessful. Three months in I was able to get a case number and at the time saying the 'cause " for the freezing and confiscation of funds being a wire from XXXX XXXX XXXX, which is used by XXXX XXXX. However, it wasn't till four months later on XX/XX/XXXX and having again a mostly unproductive call did the Chase rep provide another number ( XXXX ) to contact Chase 's Executive Office. When this number was called on same day ( XX/XX/XXXX ) they took my name and some initial info regarding my situation. Later that day I received a call from the assigned " investigator '' XXXX ( ext. XXXX ) and gave her more information. Was given a new investigation number ( XXXX ). Four days later on XX/XX/XXXX my call with her provided very little new information and said needed another week before MAYBE having any new information. As of last call with XXXX, all I've been provided by Chase is my account was frozen and funds confiscated due to XXXX XXXX XXXX being wire recipient and identified as fraudulent/scam but no reason why ME as the VICTIM my money was confiscated nor when I'd get it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported XXXX XXXX on my credit report and has fail to provide me with XXXX XXXX point of contact. Therefore I am asking that an investigation been done to verify this person on my credit report within 30 days. If a contact number can not be submit to me I am demanding that all XXXX/ department of education be removed from my credit report immediately. Enclosed you will find a copy of the person name on my credit report than disappear. I can not identify none of my accounts with the same accounts numbers XXXX therefore all accounts must be removed immediately. Enclosed is copy of ssn, driver license, and water bill to identify myself.
Product: Credit card

On the XXXX of XXXX in XXXX, I applied for a 0 % one year interest rate on a XXXX XXXX  in order to do a balance transfer from my Navy Federal XXXX card. After sending in all the info to XXXX XXXX, I waited a couple weeks. I checked the XXXX XXXX balance and it showed that the transfer went through on their end. When I went back to my Navy Federal XXXX card, there was no transfer, the balance was the same. Roughly {$12000.00}. I contacted NF and XXXX each day throughout the next two weeks to try and understand why it was being held up? And all NF could tell me is that the balance hadn't come through again and again. Finally at the one month XXXX, I get a letter from NF saying that I had typed in the credit card number incorrectly? And when I went back to XXXX card to redo the transfer, they informed me it was past the deadline. 

On XX/XX/XXXX of this year, XXXX, I applied for a XXXX XXXX card to once again do a balance transfer of {$7300.00} from my Navy Federal account. I received the card and it verified the transfer, it even shows it on my new XXXX XXXX balance. Again, my Navy Federal card shows there is no transfer. I called both banks, and XXXX assured me it only take XXXX business days and that I'd see it come Monday, XX/XX/XXXX. When I contacted Navy Federal, they gave me the same answer, " We don't see any transfer. '' Again, they are doing the same thing they did to me in XXXX, running out the clock. Because this is the second time they have done this to me, and it has cost me thousands of lost dollars in interest fees over the years, I decided to file a complaint before my timeline runs out again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Informed XXXX  XXXX XXXX and all credit reporting agencies that there is a fraud credit card opened in XX/XX/XXXX. I found out by collectors calling asking for payments. At that time I informed them this was a fraudulent acct. 
Nothing has been done to help me and I now see payments have resumed. Please help me.
Product: Credit reporting or other personal consumer reports

I asked the credit bureaus for the information below and they did not comply.

1681 U S C i ( 7 ) Method of verification-DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ) states that a consumer reporting agency ( CRA ) must provide a consumer with a description of the reinvestigation procedure within 15 days of receiving the consumer 's request 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
Please send the following information used or validate the items below and show where I gave written permission to be on y credit report in the first place, otherwise delete from my credit report immediately or I will seek monetary damages.
Product: Credit reporting or other personal consumer reports

I mailed in the IRS forms for the 1096, and 1099C to the IRS as taxable income for this year, ( XXXX ). Therefore, both accounts for the XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, must cancel the debt ASAP, by deleting the accounts from all credit bureaus that were reported to. 

Per the IRS, tax topic No. 431, of Cancellation of Debt How long does a creditor have to send a 1099-C?

Form 1099-C is a federal tax form required by the IRS. Lenders and other creditors must submit a copy to the agency and to taxpayers whenever they cancel or forgive a debt worth {$600.00} or more. Forms must be sent to taxpayers by XXXX XXXX. 

Is a creditor required to send a 1099-C?

If a debt is owned ( or treated as owned for federal income tax purposes ) by more than one creditor, each creditor that is described under Who Must File, earlier, must issue a Form 1099-C if that creditor 's part of the canceled debt is {$600.00} or more.

What happens if I don't report 1099c?

If you don't report the taxable amount of the canceled debt, the IRS may send you a notice proposing to assess additional tax and may audit your tax return. In addition, the IRS may assess extra tax, penalties, and interest. XX/XX/XXXX Tax Topic No. 431, Canceled Debt It is my responsibility to report the correct taxable amount of canceled debt as income on your tax return for the year in which the cancellation occurred remains, regardless of the accuracy of the Form 1099-C you received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate late payments are showing on my credit file. This has caused me tremendous XXXX. I am unable to get a mortgage loan due to this erroneous reporting. I tried to resolve this matter with the creditor and the bureau and I have not received responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX They show on my credit report that my account was closed on XX/XX/2018 and was included in a chapter XXXX bankruptcy. But, they have the account type listed as " Open Account ''. That is inaccurate. It has resulted in points coming off my credit score that should not have. I have disputed it unsuccessfully with both TransUnion and XXXX. They have been emailed by my attorney. At this point what they are doing is deliberate and malicious. I want the account type to be corrected and show that it is closed or for the account to be deleted from my report. Can they not be fined for deliberate malicious harassment?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit report on me, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have never given permission for them to inquire my credit status, please remove it from my Equifax credit report
Product: Mortgage

I have a late payment reporting to credit for XXXX payment when the payment was made on time. I call the bank and the mortage company to have it removed but was told that it couldn't be done as this late payment report affect my credit worthiness
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/22 I addressed Experian via their dispute center to dispute late/delinquency payments showing up on my credit report/credit file from over 5 years ago in relation to my student loans. I notified them that the information they have on file is incorrect and requested that they verify the completeness and accuracy of it. Further, I requested that they reinvestigate this information and delete the account immediately. That same day I filed an identity theft report with the FCC because Experian is using my personal information without my explicit written permission, in violation of the Fair Credit Reporting Act ( FCRA ). Without these negative remarks on my file, I would easily be in the highest credit bracket. This is more important to me than ever as my wife and I embark upon parenthood, buying our first home, and starting a new business.
Product: Credit reporting, credit repair services, or other personal consumer reports

My right have been violated according to 15 U.S.C 1618 section 602A states I have the right to Privacy.

15 U.S.C 1681 section 606A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

These two accounts have been reflected badly on my credit report for over seven years. 

XXXX XXXX XXXX  Date : XX/XX/2015, Account # XXXX XXXX. XXXX XXXX Date : XX/XX/2015, Account # XXXX
Product: Credit card or prepaid card

On XX/XX/2020, I contacted CitiBank 's credit card customer service to request a refund of over payment for the amount of {$980.00}. The customer service rep informed me that the refund amount would be direct deposited to my bank account ( using the information I provided her ) in 3 days. 

Having not received the refund, I contacted Citi again on XX/XX/XXXX, and was informed that the request was originally declined and re-submitted by them on XX/XX/XXXX. The supervisor I spoke with XXXX XXXX from Arizona, case # XXXX ) would not provide details on why this happened, or why I was not informed. Furthermore, when I requested a date that I could expect the refund to be processed, he said that was not possible and I simply had to wait for an indeterminate amount of time, without any assurances, because it had to make its way through their system for approval. 

It is unacceptable that CitiBank is allowed to simply keep my money for as long as they want ( well past the originally promised 3 days XXXX, despite my having followed all the required steps to request a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed accounts with Experian, XXXX, and XXXX dated back on XX/XX/2022. According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results and to record the current status of the disputed information in which they did not which is a violation I have the evidence below for the following accounts. XXXX Bank Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX,
Product: Mortgage

Select Portfolio Servicing Account Number : XXXX Property Adress : XXXX XXXX XXXX XXXX CA XXXX Currently, Select Portfolio Servicing made an incorrect tax payment on my property some time ago, and it took nearly XXXX months for them to rectify the issue. During this period, they mistakenly issued regular payments of {$7000.00} and then {$8000.00}, until they finally adjusted to the correct payment amount of {$5800.00}. This error occurred because they were unaware of the correct tax amount for the property. As a result, they reported late payments on my credit report, which they have refused to remove with the late fees. Also, got late notices on behalf of the XXXX XXXX they did not pay taxes. It has a hassle to get them to understand the situation because they said it was paid where i was getting late notices. Does make any sense. 

Additionally, I receive my salary on the XXXX of each month and requested to change my payment due date accordingly. However, they declined, citing restrictions from the investor. I'm not fully versed in legal matters, but this situation doesn't seem right to me. I need assistance in addressing these issues and ensuring the company adheres to proper procedures. Understand that we don't much time in the day with my family and these matters at the same time. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX
Product: Student loan

I am currently enrolled in the Physician Assistant program at XXXX XXXX XXXX University and have my loans serviced by Mohela. They changed my repayment to begin XX/XX/XXXX despite myself still being an ACTIVE ENROLLED student. The enrollment status for all SOM students was last updated in the National Student Loan Database System ( NSLDS ) on XX/XX/XXXX, including the graduation date reported in XXXX. Mohela has been impossible to reach in order for them to change my status back to deferred since I am still enrolled and have not graduated.
Product: Credit reporting or other personal consumer reports

Company wrote it off as a profit loss without sending a 1099C they reported that I owe a balance of {$370.00} but they took a tax break. under the FCRA, I can seek statutory damages if a creditor, furnishes inaccurate information about a debt, such as incorrectly reporting a charge off while still claiming you owe the debt.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX ( XXXX ) XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Subject : Debt Validation Request Dear LVNV Funding LLC, I am writing to formally request that you validate the debt you claim I owe, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please consider this my request under the law to provide me with the following information : 1. **Details of the Debt** : Please provide me with the original creditor 's name, the amount of the debt, and any relevant documentation proving that I am indeed obligated to pay this debt. 

2. **Assignment Contract** : Please send me a copy of the assignment or purchase agreement that gives you the right to collect this debt from me. This should include details of the transfer of rights from the original creditor to your agency. 

3. **Verification of Reporting** : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I also request that you confirm the accuracy of the information you have reported to credit reporting agencies regarding this debt. If you can not provide this validation, I ask that you promptly remove any negative reporting related to this claim from all credit bureaus. 

Please note that until you provide the requested validation, you must cease all collection activities related to this debt, as required by the FDCPA. I expect you to reply to this request in a timely manner within 30 days. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XX/XX/XXXX Consumer Office XXXX XXXX XXXX XXXX XXXX, CA XXXX Fax # XXXX Request for Consumer Report/Dispute Dear XXXX XXXX Consumer Services : I received my XXXX credit report and noticed your inquiry on XX/XX/XXXX by XXXX XXXX. I applied for a credit card on XX/XX/XXXX. 
I am writing to you because I would like a copy of my credit report required by law to check for accuracy. I understand you generate credit scores and other services. This is the first-time hearing of your company and services and would like more information about your company. 
You may contact me at XXXX at your earliest convenience to discuss the inquires XXXX XXXX XXXX conducted at XXXX. 
Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I DID NOT APPLY FOR CREDIT AT THE PLACES BELOW : Inquiry : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX. Under Section 1681s-2 ( b ) of the FCRA, when a furnisher receives a consumer dispute forwarded by a consumer reporting agency, the furnisher must conduct an investigation to determine whether the disputed information can be verified. If the evidence available to the furnisher is inconclusivei.e., if the investigation is unable to determine whether the disputed information is accurate or notthen the FCRA does not allow a furnisher to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Even if no reasonable investigation could have conclusively determined that the information was false, the fact remains that the information has not been verified and must be handled accordingly. In particular, Section 1681s-2 ( b ) ( 1 ) ( E ) provides that when disputed information is found to be inaccurate or incomplete or can not be verified, the furnisher must, as appropriate, delete, modify, or permanently cease reporting the disputed information. The appropriate response is the one that will ensure that the furnisher does not continue to report any of the Case XXXX, Document XXXX, XX/XX/XXXX, XXXX, PageXXXX of XXXX XXXX information that the consumer has disputed unless that information is verifiably accurate. Thus, any information that can not be verified should be deleted from the data that the furnisher submits to consumer reporting agencies. Moreover XXXX still has NOT PROVIDED PROOF. Please remove the above inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021. Transunion, XXXX, and XXXX failed to produce an investigative report on XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.