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

A critical issue arose regarding the reporting of charged-off accounts by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX as well as the failure to provide the required Form 1099-C for the canceled debt. Despite explicit requests, XXXX XXXX XXXX XXXX failed to provide the necessary documentation. As per IRC Section 6050P, the issuance of Form 1099-C is mandated for accurate reporting of canceled debt. The reporting inaccuracies have the potential to impact the accurate reporting of canceled debt on the income tax return. 

Regarding the reinsertion of information, Experian and XXXX, both credit reporting agencies, violated provisions of the Fair Credit Reporting Act ( FCRA ) by reinserting deleted information without proper notification and by not providing detailed information regarding the verification process. It is requested that Experian and XXXX provide proof of how they contacted to verify the information and the specifics of the information provided. Additionally, the name and occupation of the person who initiated the request to validate the concern, as well as the individual who replied to the credit agency, are requested for documentation purposes. 

Dates, amounts, and actions taken include : A request made to XXXX XXXX XXXX XXXX for the issuance of Form 1099-C. 
Failure to Provide Documentation : Despite previous requests, XXXX XXXX XXXX XXXX did not provide the necessary documentation. 
Legal Provisions and Regulations : Numerous legal provisions and regulations, including sections of the Internal Revenue Code, Fair Credit Reporting Act, Fair Debt Collection Practices Act, and others, were cited to emphasize the importance of compliance. 
Reinsertion of Information by Experian and XXXX : Experian and XXXX reinserted deleted information without proper notification and failed to provide detailed information regarding the verification process. 
Request for Documentation : Request made to Experian and XXXX for proof of the verification process and details of information provided. 
This information is intended to be sent to the relevant companies involved for resolution.
Product: Credit reporting or other personal consumer reports

I had requested the original documents and also my original complaint was not honored. I explained that some of the accounts were affected by XXXX which they were debt forgiveness laws in place for such an event. Also they were accounts and inquiries I did not consent to. I looked for a car and I was told it would only be a soft inquiry pull but it was shopped around without my authorization. And all I received was a reply through your company that was obviously an AI generally scripted letter that explained nothing. They continue to operate in the same breaking us code 15-681 stating all consumers have a right to an accurate credit report. Please fix this as I know that the acting credit bureaus are only a 3rd party that does not actually exist. By right, the company has a reputation of being fierce against minority groups. Staining credit reports ultimately resulting in negative profiling and outcomes. Please prove this is not factual to US citizens.
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 XXXX XXXX XXXX. 

Account Name : 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 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 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 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 or other personal consumer reports

XXXX XXXX two fraudulent accounts. Requesting lawfully to block or delete as a identity theft victim.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit report due to my being a victim of a data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request this action for accounts resulting from fraudulent activity or unauthorized use of my information. 
Accounts to Block and Delete : XXXX. XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1200.00} XXXX. XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$9500.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$2000.00} Inquiries to Block and Delete : 1. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On numerous occasions I contacted Experian Credit Bureau about why it is a negative account attached to my consumer report. I was given a phone number to contact the original creditor so I can get this off my consumer report. This information is report inaccurate on my Experian Consumer report and I would like it removed immediately. I am going to attach both my XXXX and XXXX XXXX report to show that I don't have any negative accounts. I am being violated by consumer law 15 US Code 1681 s 2.

Please help me with this problem.
Product: Credit reporting or other personal consumer reports

I paid off my JP Morgan chase credit card debt in full. They never deleted it from my credit report.
Product: Debt collection

ATTENTION TO LVNV FUNDING LLC I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1400.00} does not belong to me. This account was fraudulently opened through this company LVNV FUNDING LLC in XXXX of 2016 I have never done business with this company an it has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN or CREDIT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Debt collection

On XX/XX/year> I wrote Bank of America and told them to stop contacting me by specifically using the language in section 805 ( c ) of the FDCPA that requires all communications to cease and desist. I sent the letter certified mail and it arrived on XX/XX/year>. 

I just received a letter from Bank of America today, ( XX/XX/year> ), that is dated XX/XX/year>. This is a clear violation.
Product: Debt collection

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : 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

on XX/XX/2021 i have sent in disputes to XXXX  and transunion and i have not got a reply from each one of these companies. this is a violation per FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681i section 5 ( D ) ( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. accounts XXXX account XXXX, XXXXXXXX XXXX XXXX  account # XXXX This accounts by the other consumer reporting agency were found inaccurate information and Removed
Product: Mortgage

My VA mortgage was sold in XXXX 2015 by XXXX XXXX XXXX to Carrington Mortgage services in the middle of an assumption ( my name is to be removed and the co-borrower is to remain ). The new servicer ( Carrington ) has no record of the in process assumption and asked that all the paperwork be forwarded to their research department in XXXX. The paperwork includes the release of my VA liability from the VA. Carrington stated it would take the research department 30 days to process the paperwork. They were contacted again in XXXX and no one had any record of the paperwork being received or processed. They also provided no contact info for any one at the Research Department. Just submitted the paperwork for the XXXX time.
Product: Mortgage

Contacted Sunny Hill Financial ( mortgage broker ) and XXXX XXXX and XXXX for quotes on a 15 year ( cash out ) refi. Both came back with differing quotes/ fees and would require a new appraisal- which was fine. Ultimately decided to move forward with Sunny Hill Financial, given they had lower fees and a slightly better rate. After locking ( 30 days ) the rate ( 1.875 % / 15 year ) and agreeing to the various fees, I was told that they were " unable to find an appraiser in the area ''. When I pushed back, stating that I wanted an appraisal done, they informed me that I live in a " rural area '' and could not find an appraiser to do it. The only option was to pay an additional ~ {$800.00} to close with no appraisal. They somehow received this " appraisal waiver '' through XXXX XXXX but was not disclosed early on in the process that this was an option. I pushed back and really wanted an appraisal done, both for the benefit of the report and the ~ {$800.00} less closing fees. I was informed if we went the " appraisal route '', we certainly would not have time to close within the 30 day rate lock period. Rates had of course gone up, and the lender was unwilling to provide a rate lock extension without incurring a fee ( again, not because I did not provide all of the required information in a timely fashion, but solely because the could " not locate an appraiser '' ). 

My issue is that this is the typical " bait and switch '' strategy that often gets exploited. I, the consumer, move down the path with a mortgage company with the understanding of rate, fee structure, appraisal, etc. and then once you're " in bed '', the financing structure changes. This is criminal in nature and should not be tolerated. My hand was forced to close a more expensive refinance because the interest rate lock would not be extended and the timing did not allow for the mortgage company to get an appraisal. None of this was my, the consumer 's issue, but I was responsible for the financial effect. 

I should be credited back the ~ {$800.00} that I was forced to pay and Sunny Hill Financial should be fined accordingly for deceptive / destructive behaviors and not acting appropriately as a fiduciary.
Product: Student loan

I am waiting for a refund check from the dept of treasury. The only problem is this is the second time they are reissuing this check. I never received it in the mail. I verified the address is correct. I even filed a complaint with the usps. I live in a safe neighborhood. I am not sure why the check is responding to me. Nelnet is my current servicer. I am getting the same run around. Wait XXXX  days and we will request to stop payment and reissue a new check from the treasury. The first check was sent XXXX XXXX. Never received. The second check was sent XXXX XXXX. Haven't received it yet. Please help me investigate what is going on. On XXXX XXXX XXXX XXXX  from nelnet confirmed check was sent XX/XX/XXXX. Check # XXXX ref # XXXX. This is the check info. I never received it. Now I would have to wait another XXXX  months to have then reissue. Please please kindly investigate this. Why I am not receiving this check for XXXX. My name is XXXX XXXX. The case number I have going on with FSA is XXXX. The case I have with usps is XXXX
Product: Credit card

I was staying 4 days at XXXX XXXX XXXX in XXXX, XXXX. From the moment there we were pushed aside, we have made several complaints of the room and it's location and the grounds outside that look like a junk yard. Everything that was said online that we were supposed to receive we did not. The hotel manager did not give us different room. And he showed he didn't care. Also my sister fell on the walking path of the grounds and was injured. XXXX XXXX XXXX XXXX. And bleeding. They offer no help or assistance. The sidewalks were all uneven and no caution signs anywhere. Nor did they offer medical assistance. And she had to pay {$1500.00}. Doctor and dental visits. We were also treated unfairly and disrespect towards us. I even had one employee said to me on the side the hotel Manager to the staff not give us any hospitality nor and marked us as terrible guest. The whole stay was very uncomfortable and they did nothing to make it better. I have asked and requested for any sum of a refund. They said no and wouldn't allow me to talk the the ones incharge to file a complaint. I called and they never send me over there to file a complaint. I was hung up alot. I disputed the charge with the Citi Advantage credit card, and I gave them all I can of reasons why and they ruled in the hotel favor. Then tells me I have 10 to 15 days to appeal. Not even one day I tried to appeal it. I was mot allow to and they said the case is closed and I'm responsible. I never had an appeal or a fighting chance. I called again to appeal i spoke to another they canceled my card and labeled that charge {$3100.00} as fraudulent. I was told they would take it off. After 30 days they did not and issued me another card. I called and they said they will not take it off and I'm responsible for it, after they lied and said they would take it off and more investigation. They are basically making me pay for services I did not receive or was entitled to. I feel I'm being forced to pay this or the credit card is making me and they disregard my rights. They made it quite clear I am liable for charges made that I disputed. As long as they get there money the consumer has no rights.
Product: Debt collection

On XX/XX/XXXX, I got a notification from XXXX that Credence Resource Management collection account was on my XXXX  credit report in the amount of {$1400.00}, and ORIGINAL CREDITOR is XXXX XXXX. The account is opened on XX/XX/XXXX. I do not have any XXXX  services or credit or something like that. I believe this is a case of fraud or a data breach.
Product: Debt collection

I want to report multiple violations that XXXX XXXX XXXX is committing to the Free Credit Reporting Act and to my rights as a consumer. Just to mention two serious violations, see below : 1. Incorrect opening date 2. Incorrect last activity date I am demanding this company to remove the item from my report. I am having psychological issues because of this situation. Please send the attached documents to I.Q. Data International, NC. 

Thank you so much.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information that has been reported to your agency by XXXX XXXX, which has severely damaged my credit standing. I have always been a responsible consumer, consistently paying my bills on time, including those to XXXX XXXX. 

In XX/XX/XXXX, I switched to XXXX XXXX 's XXXXXXXX XXXX XXXXXXXX program with the understanding that it would result in cost savings, as my family is away from home during the day and uses major appliances primarily at night. However, XXXX XXXX inaccurately reported that my energy consumption was higher during the day. I contacted XXXX XXXX multiple times, requesting an investigation into these discrepancies. Despite their promises, XXXX XXXX never provided any findings or resolutions. 

In XX/XX/XXXX, I relocated from XXXX XXXX XXXX XXXX and prepared my house in XXXX for sale. Despite the house being unoccupied, my electrical bills continued to exceed {$200.00} per month for day usage. During XX/XX/XXXX to XX/XX/XXXX, this persisted, and my requests for investigation were met with further unfulfilled promises. 

Subsequently, I switched to another provider, XXXX, due to XXXX XXXX 's ongoing inaccuracies and excessive charges. XXXX XXXX then imposed an early termination fee, bringing my total bill to {$530.00}. Amidst this dispute, my mortgage company conducted a hard credit inquiry XXXX days after XXXX XXXX reported to your agency, causing my credit score to plummet from over XXXX to XXXX. 

Upon contacting XXXX XXXX, a supervisor named XXXX XXXX contacted via their customer service ) assured me that if I paid {$380.00}, he would provide a letter within XXXX hours confirming the account was paid in full and acknowledging the incorrect billing address. I complied, but no such letter was provided. Further attempts to resolve the matter included communications with their consumer XXXX office, where a representative named XXXX ( phone : XXXX ext. XXXX ) promised to investigate and call back but never did. Another representative, XXXX ( phone : XXXX ext. XXXX ), eventually told me that the supervisor had provided incorrect information and that there was nothing more she could do. 

This inaccurate reporting has significantly impacted my ability to secure a mortgage at the previously quoted rate, causing undue financial hardship. As a credit reporting agency, it is your responsibility to ensure the accuracy of the information provided by businesses. The erroneous data from XXXX XXXX is now detrimentally affecting my financial standing. 

I request that you investigate this matter thoroughly and correct the inaccurate information in my credit report. Additionally, I have filed complaints with the XXXX XXXX XXXX and reached out to media outlets to bring awareness to XXXX XXXX 's practices. 

I expect a prompt resolution to this matter and confirmation that the erroneous information has been removed from my credit report. Please update me on the progress of your investigation and the actions taken to correct these inaccuracies. 

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian to get a copy of my consumer file on XX/XX/2022 also on XX/XX/2022 on both occasions I was hung up on per the automated system. Each time I asked for a representative or specialist to assist me.