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

Subject : Formal Dispute of Inaccurate Credit Reporting and Demand for Compliance To Whom It May Concern, I am formally disputing the inaccurate reporting of an account listed on my credit report under 15 U.S.C. 1681s-2, which mandates the accurate and verifiable reporting of consumer information. 
The account in question is : XXXX. Equifax : Account Name : XXXX  XXXX Date Listed : XXXX XXXX, XXXX  XXXX. XXXX : Account XXXX : XXXX  Date Listed : XXXX XXXX, XXXX  XXXX. XXXX : Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Date Listed : XXXX, XXXX  This account is erroneously reporting a balance despite being charged off. XXXX XXXX  has claimed to have written off this debt, yet they have failed to provide any verifiable documentation to support this claim. Under IRS guidelines ( 26 U.S.C. 6050P ), a creditor that cancels a debt exceeding {$600.00} is required to issue a 1099-C form to the borrower and report the cancellation to the IRS.

To date, I have not received a 1099-C form, which raises concerns about the banks compliance with IRS regulations XXXX If this debt has truly been canceled, the continued reporting of a balance is both inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ) and IRS guidelines. Furthermore, the failure to issue a 1099-C form may constitute non-compliance with federal tax laws, which I have the right to report to the IRS. 

Additionally, I have never received the vehicle title ( pink slip ) associated with this account. Since the bank has declared the debt uncollectible, I demand immediate issuance of the legal title to the vehicle as required by consumer protection laws. 

I formally demand the following actions : Provision of the 1099-C Form If Mechanics Bank has written off this debt, they are required to provide a 1099-C for my records.

Verification of the Balance Provide documented proof of the current and accurate balance, along with records of any collection activity. 
Permanent Deletion of the Account If the debt has been canceled, unverified, or inaccurately reported, I demand its immediate removal from my credit report under FCRA. 

Issuance of the Vehicle Title ( XXXX XXXX ) Since this account has been charged off, the legal title to the vehicle must be transferred to me without delay. 
Failure to comply with this request within 30 days of receipt will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Internal Revenue Service ( IRS ) for potential violations of FCRA ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and IRS tax reporting requirements. 

This matter requires immediate resolution. Please respond promptly to avoid further regulatory scrutiny. 

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

Im tired of letting experian know that they are reporting inaccurate late payments and an account that doesn't belong to me. Here attached I have proof that the late payments are inaccurate.
Product: Mortgage

I received notification from Freedom mortgage insurance department on having to pay gap coverage on my home insurance coverage. On XX/XX/XXXX I changed insurance carriers. I cancelled home insurance with XXXX XXXX on XX/XX/XXXX that they inform me the policy goes to midnight XXXX XXXX  of XX/XX/XXXX. I changed home insurance coverage to XXXX XXXX, by XXXX and their policy coverage shows below starting XXXX XXXX  XX/XX/XXXX. There was no gap of missed insurance and home was continuously covered during the change over of insurance. I've talked to both insurance companies and am told their policy cancellations ( XXXX XXXX ) and new policy XXXX  dates and times are correct. 

The problem is Freedom mortgage representatives from the insurance department say they only go by the date of the policy and not the time which is their policy. They want to charge a gap charge for what they say " lack of coverage between XXXX to XXXX XXXX when clearly there is coverage that was continuous on this property. The fee of {$8.00} is amount to be paid which is nominal at best. At this point of talking with Freedom and representatives for the past two months it is a matter of principal of how this matter was applied. All insurance companies I have worked with have used midnight XXXX XXXX  as cut off of cancelling or starting policies. It is the way that Freedom insurance department transact their policy of coverage time that is in question.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit card or prepaid card

I have been receiving unwanted credit card applications at my work address from Capitol One since XX/XX/XXXX. I have contacted Capitol One on at least 12 occasions in the past 2 years to get this to stop. In XX/XX/XXXX, I signed up for the PERMANENT OPT OUT list with all credit reporting agencies and still I am receiving these offers. 

In the past 2 years, I contacted Capitol One on the following dates each after I received a unwanted credit card application. On each of these occasions I have been assured my name would be removed from the mailing list. 
I called in XX/XX/XXXX ; I called in XX/XX/XXXX ; In XX/XX/XXXX I spoke with XXXX ; XX/XX/XXXX I spoke with XXXX ; XX/XX/XXXX I spoke with XXXX, a supervisor ; XX/XX/XXXX I spoke with XXXX, a supervisor who said I would be removed from their list permanently ; XX/XX/XXXX I spoke with XXXX who provided a case number XXXX ; I called on XX/XX/XXXX ; in XX/XX/XXXX I spoke the XXXX, a manager to get this ti stop and with her supervisor XXXX ; on XX/XX/XXXX I received a letter from XXXX XXXX with Case number XXXX stating I would be removed from the list for 3 years. She suggested the op out registration. 
I received another solicitation in XXXX and called on XX/XX/XXXX and spoke with XXXX ; I registered for the Permanent opt out in XX/XX/XXXX. 
I called again on XX/XX/XXXX and spoke with XXXX ; After receiving another solicitation in the mail on XX/XX/XXXX I decided to file this complaint. I left a voice message for XXXX XXXX informing her I would be filing this complaint.
Product: Credit card

I have free credit monitoring through XXXX XXXX due to data breaches and my personal information being breached. I received an alert of a new hard inquiry from JPMCB Card and I had not applied for anything and this was unfamiliar. I called the contact number to see what the inquiry was. After multiple calls, department transfers they were able to get me to their fraud department, verified my information and canceled the credit application upon my request and verifying something I guess on their end did not match up. I put a lock on my credit through myXXXX  and found out thise was Chase Bank and they said the application was dor some type of XXXX credit card that I ABSOLUTELY did not apply for and had no idea what it was. As a followup they told me the hard inquiry would be removed from credit reports and it has not been since incident XX/XX/year>. They also sent me a letter advising this and to file with FTC. This is negatively impacting my credit. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Product: Debt collection

This is not my debt I did not open up any new accounts in XXXX! I want to see the contract for this account open date this is a fraud account these accounts appear to be 7 years outdated and they made up a date that is incorrect which is a violation of FCRA!!! This account does not belong to me I want them both removed 1 ) Lvnv funding opened XX/XX/year> fraud account and open date!!! 

2 ) Lvnv funding opened XX/XX/year> fraud account and open date!! 

I do not have any business with this company they are violating my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX BANK Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # GWHZXXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting that I opened a card XXXX of 2022 I did not. 
Their reporting 0 % usage of {$200.00} This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance - Balance updated - Original balance {$34000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXXXXXX 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 Status Paid, Closed. {$37000.00} written off. 
Status updated XX/XX/XXXX Original balance {$34000.00} Monthly payment - Last payment date XX/XX/XXXX XXXX
Product: Mortgage

Our home was purchased in XX/XX/XXXX. It is a New construction home purchased from XXXX, XXXX was our original Mortgage Lender. We put down More than 20 % on a Conventional 30 year loan. We waived Escrow for our Property Taxes, but Escrowed our Homeowners insurance. 
The loan was sold to XXXX before the first payment was due. XXXX only had our loan until XX/XX/XXXX, and it was sold to Freedom Mortgage. Our first payment to Freedom Mortgage was made XX/XX/XXXX. We Paid every month on time, and also paid XXXX Extra mortgage Payments over the last 2 Years. Our property Taxes were all paid including the Interm Tax for new Build, ON TIME IN FULL. In XX/XX/XXXX we received a letter from Freedom Mortgage that our Escrow account was Short and that they have paid our County/Local Tax in XX/XX/XXXX ( I paid them in XX/XX/XXXX ) and that they paid our School tax in XX/XX/XXXX ( and they werent due until XX/XX/XXXX which is when we pay in XX/XX/XXXX ). They were increasing our payment from XXXX to XXXX to make up for these shortages. I Immediately called the Local Tax Collector to confirm we were still listed as the address to bill taxes, and we were, and she had NO record that the County/Local tax was never paid by Freedom Mortgage they only Had record of my payment made XX/XX/XXXX. They did have record that Freedom had paid the School tax in the amount of {$3200.00} in XX/XX/XXXX. I then called Freedom Mortgage, they advised me to send payment to them for the School tax reimbursement Which I did on XX/XX/XXXX. Which still resolved nothing, since that time they have been allocating our payments incorrectly. We continued to pay our NORMAL monthly payment of XXXX as they had NO basis to force escrow. our taxes were paid on time, in full ... .and we are at a 65 % LTV . They are now claiming we did not make payment for the month of XX/XX/XXXX which I sent bank statements showing we did, and they were placing our funds in Un-allocated funds, which has messed up our Amortization and possibly our Credit Score. I have spent countless hours on the phone w/ Freedom Mortgage Customer Care and they are less than helpful. Freedom has admitted they were wrong about the taxes, Has adjusted our Monthly payment back to XXXX but Funds are still not correct from XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DON'T RECOGNIZE THESE INQUIRES & COLLECTION ACCTS ON MY CREDIT I NEED THESE DELETED OR REMOVED FROM MY CREDIT REPORTS ASAP!!!!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1500.00}
Product: Mortgage

We have had our home mortgage with Wells Fargo for 7 years. We have had no issues in the past. The end of XX/XX/XXXX, we decided to take all of our checking and savings accounts to Wells Fargo. I made my monthly mortgage payment on XX/XX/XXXX. I made the payment through my new online Wells Fargo Bank Account ... thought the bill pay system. The amount of {$1300.00} debited my bank account the following day. 4 days later we received the courtesy call that our mortgage payment was late. I immediately called Wells Fargo. Online banking services could not help me, so I was transferred to mortgage department. The representative I spoke with was extremely nice, and very helpful. I explained the situation, and she even contacted banking services. She told me they could see where the funds were debited, but were not sure why they had not reached the mortgage department. I told her I was a little confused, since they are all Wells Fargo accounts. She said my payment would be applied in usually 5-7 business days and no late fees would be charged. Fast forward to almost 7 days later, and my mortgage had still not been paid. I called again..spoke to two representatives who were of no help. I called again, and then spoke to 4 representatives, until finally someone made a claim on my account and assured me that it would be resolved. 7 days later, on XX/XX/2018, I receive and email that my claim has been resolved, with no description as to how. I call online banking services, she will not help me. I call Mortgage Services. The representative was very helpful, but explained to me that for some reason my payment had still not been applied to my mortgage, but was being refunded to my bank account. I could now make a payment of {$2600.00} to make my mortgage current. I still have not received the funds back in my account, and I will not be making a payment until I do. I will also be going to the closest Wells Fargo location to make a formal complaint. I am also asking for my mortgage account to be credited for the payments of XX/XX/XXXX and XX/XX/XXXX. It does not make me feel very reassured that no one associated with Wells Fargo can tell me where my money is currently located!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX Reported : XX/XX/2019 + {$10000.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/2019 + {$5000.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/2019 + {$11000.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$12000.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$10000.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$21000.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$6100.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$3800.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$14000.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$6800.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$12000.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$6100.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$3300.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$12000.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/2019 + {$5500.00} Closed The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are  responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

On or around XX/XX/XXXX, our company closed an office in XXXX XXXX, CA and terminated relevant services. Internet and various utilities. On XX/XX/XXXX I received an email from McCarthy, Burgess & Wolff ( hereafter MB & W ) saying that a XXXX bill was unpaid. After reviewing the very " grainy '' documents they provided, it appears that XXXX XXXX XXXX continued to bill after service was discontinued, applied my {$250.00} deposit, and then continued to bill long after service was terminated. 

I immediately ( same day. XX/XX/XXXX ) replied to their email asking for more documentation. I received no response. 
On XX/XX/XXXX, I left a voicemail with the agent assigned to me in the letter. I received no response. 
On ( I believe ) XX/XX/XXXX, I left an additional voicemail. I received no response. 
On XX/XX/XXXX, I sent an additional email. I received no response. 
On XX/XX/XXXX, I sent an additional email. I received not response. 
On XX/XX/XXXX, I sent a letter via USPS with tracking and signature confirmation. I received no response. 

From my written, delivered, and signed-for letter sent to MB & W " To recap. The documentation you sent was very grainy and difficult to read. It would appear that this account was still being billed after being closed. I am requesting the invalid billing be voided, and my {$250.00} deposit with applicable interest be refunded. " To date, excluding the original email I received from MB & W, I have not received any response to any of my inquires. No emails, no postal mail, no callback. 

From MB & W Account XXXX, File XXXX, Invoice XXXX Contact Information : Agent listed XXXX XXXX Website : http : //www.mbandw.com/ Mailing Address : McCarthy, Burgess & Wolff XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , Ohio XXXX USPS Tracking with Signature Confirmation : XXXX " Your item was delivered at XXXX XXXX on XX/XX/XXXX in XXXX, OH XXXX. The item was signed for XXXX XXXX. ''
Product: Credit card or prepaid card

When considering booking a flight on XXXX I was offered a promotion for a American Express card, offering both a waived annual fee, a {$200.00} credit and XXXX airline miles. When I clicked through to apply for the card, a popup said I was eligible to apply for the card, but not for any of the " welcome '' benefits due to either having had a similar card before or the number of American Express cards I've had in the past. It feels like a bait and switch, and the reasons for denying the welcome offer are vague. I contacted a company representative on XX/XX/2021, and they said " I'm sorry to hear that you are not eligible for the welcome offer. Within the message that you received it should have the reason as to why you are not eligible. I would not have anything beyond what the message displayed, I'm sorry. You are still able to go forward with the application if you choose and take advantage of the main benefits that the card has to offer. ''
Product: Debt collection

Debt Collector : Caine & Weiner ( C & W ) Account # XXXX Creditor : XXXX XXXXXXXX XXXX I settled the referenced debt with Caine & Weiner, attached is proof the debt was paid. Today, XX/XX/22 I received a letter from C & W collecting a remaining balance of {$340.00}, letter attached. It is my understanding that once an account is settled, the debt collection agency can not contact us. Please assist us in getting this resolved. 

Thank you. 

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

XXXX XXXX  IS INCORRECTLY REPORTING LOWES BY SYNCB IS MISSING PAYMENTS. THIS ACCOUNT WAS SETTLED. The bank tried to collect additional funds. This account was settled. Why does XXXX XXXX  continue to fraudulent report the account is not paid.
Product: Credit card

A hard inquiry was initiated for a Capital One Bank USA credit card. I got an alert from XXXX XXXX. I called XXXX XXXX credit Bureau to report that I did not initiate a hard inquiry on my credit report and that I did not apply for any credit card. I asked the bureau to place a fraud alert on my account. I called Capital on and informed them about the hard inquiry alert and they confirmed verbally that someone initiated an application for a capital one credit card yesterday, XX/XX/XXXX, and that they will flag it as fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this Creditor : XXXX XXXX XXXX XXXX Acct : XXXX XX/XX/year>, has violated my rights under 15 U S C 1681 section 602 a states, " I have a right to fairness, equality, and to privacy '' 15 U S C 1681 section 604 ( a ) ( 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U S C 1666b, " a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Knight Adjustment Bureau and XXXX XXXX are both currently double reporting on my credit file. This is in clear violation, and needs to be fixed. they can not ding me twice on credit file.
Product: Money transfer, virtual currency, or money service

I currently have a Coinbase account in which an unauthorized transaction was made on XX/XX/2022 at XXXX. {$540.00} was taken out of my stored USD Coin which is attached to my Coinbase Visa card. It says it was spent by my Coinbase card but there is no history or merchant that processed this transaction. I submitted a ticket with Coinbase and still have no resolution. Ticket # XXXX. Spent XXXX minutes on the phone with Coinbase support on XX/XX/XXXX where they placed this ticket. They had no explanation or resolution.