23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

URGENT. APPLYING FOR HOME LOAN. CREDIT SCORE IMPACTED BY INACTION. 

XXXX XXXX XXXX XXXX - signed to get approved in order to obtain a XXXX Membership. 
Never activated the XXXX XXXX XXXX XXXX - XXXX charged the membership on the credit card without my knowledge. Therefore, since the card was not activated, I never received : A ) Statements, B ) Emails, C ) Notification of charges. Late fees were charged since XXXX of 2016 without my knowledge. 

I was alerted LAST MONTH in XXXX of these charges when my credit score was pulled to apply for a home loan. I spoke to a representative through Online XXXX XXXX Chat since I am hearing impaired. The representative I spoke to canceled : A ) The Bill, B ) The Late Payments, and C ) Closed the account. This should be as if the 'lateness of a bill ' never existed. I have attached the conversation between myself and the representative. 

Now, over a month later in XXXX, I found out my credit score has dropped even further due to XXXX XXXX XXXX inadequate reporting. It reads 'late ', 'delinquency ', and 'inquiries impacted report '. Questions impacted my credit score? I'm not allowed to ask a question without risking my score dropping? I was assured on XX/XX/XXXX that the issue from XXXX XXXX XXXX would be reported to the credit companies [ XXXX TransUnion, and XXXX XXXX. Obviously, that has not been done correctly. 

I am applying for a home loan and I have to be moved in by the end of XXXX due to my new job. Can you please help me resolve this?
Product: Mortgage

Bank of America intentionally kept me from being proactive and getting a mortgage modification. I was denied until I went into foreclosure. After that Bank of America sold my mortgage to XXXX loan company.. As I was in negation for a modification from them BOA took me to court to foreclose on the property they sold to XXXX. They sent me a letter after the act asking me to forgive them of prejudice.
Product: Debt collection

1. XX/XX/XXXX, I received a letter in the mail from XXXX, XXXX and XXXX XXXX regarding a debt from XXXX - File number XXXX. I am unfamiliar with this debt. In the letter, it states that I can request information via the mail or and email address regarding the debt and if that request is made, action can not be taken against me while that information is being sent to me. I looked the company up online and per numerous negative reviews, decided written communication was best for proof should I need it. I sent an email to the email provided in the letter and I received a bounce back email stating that my message was blocked. I checked the email address to make sure it was entered correctly, noted it was, sent another email and received the email blocked message. I went on to their website and found an email of their main contact and sent him an email requesting additional information on the account. I did not hear back. 

2. Today, XX/XX/XXXX, I received a letter in the mail from the District Court of Maryland that there will be a garnishment on my wages over this debt from XXXX. As an email was sent for additional information, all legal proceedings should have been stopped while this request was being handled but they did not comply nor was I informed they were going to court to garnish my wages. I wanted information on the account so I knew what the debt was and how to best proceed. This was not given to me as the letter stated it would.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting 40 accounts are open when the accounts are closed. These accounts are paid. The 40 accounts have deducted XXXX points from my XXXX score. Equifax continues to report these accounts as derogatory and they are not which hinders my XXXX  score from ever increasing and keeps it in a negative status. These accounts have been stuck with this sinceXX/XX/XXXX to present.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year> I fell victim to a multi-layered scam operation run by group of scammers ( XXXX  XXXX ), which involved me making deposits for a total amount of XXXX USD from my Cash app account to fraudulent investment firm ( XXXX ).
Product: Money transfer, virtual currency, or money service

XX/XX/22 XXXX XXXX sent {$50.00} to me via Venmo. 
Venmo settled {$1.00} balance leaving {$48.00} on balance Received email stating account reinstated Less than 30 min later, account locked and I have not been given a logical reason besides security reason won't give me the term and agreement rule I violated or let me know what security issue they're talking about for me to so I can explain it away they refuse to release my funds back to me to use or even send them back to the original sender I am homeless because of them they had the audacity after all these begging and pleading where XXXX XXXX XXXX XXXX and still very well may be send me a email asking how their support team did and answering my questions and resolving my issue what did resolve anything it's {$48.00} I have no reason why they're keeping it they won't give me one I've sent them a copy of my birth certificate my driver 's license sent them my bank account numbers rounding in account numbers in the debit cards attached to those including the full card number with expiration date XXXX XXXX I've sent them my mother and father 's day to birth and my father 's day to death every email account that I have open with XXXX that I can remember beyond all that there is no reason why they have to verify anything anymore besides me sending them a blood sample or they do they want to come XXXX XXXX XXXX but whatever the reason is they're breaking the law by holding my money without giving me a reason that they can back up with their own policies and procedures
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to the inaccurate and misleading reporting practices by [ Creditors Name, e.g., XXXX XXXX XXXX ] concerning an auto loan that has been marked as a Charge-Off and categorized as a Profit and Loss Write-Off while still showing an outstanding balance of {$17000.00}. This reporting has significantly impac

ted my credit score and creates confusion regarding the actual status of the debt. Multiple federal laws appear to have been violated in this process. 1. Inaccurate and Misleading Reporting FCRA Violation Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), creditors are required to report accurate and complete information to credit bureaus. In this case : The account is reported as both a Profit and Loss Write-Off and as having an active balance, creating a misleading representation of the account status. 

FCRA Section 605 ( a ) limits the reporting of charge-offs to 7 years from the original delinquency date. Any attempt to " re-age '' the debt to extend its negative impact violates this provision.

2. Failure to Issue 1099-C IRS Violation Under IRS Regulation 6050P, a lender is required to issue a 1099-C ( Cancellation of Debt ) when {$600.00} or more has been canceled or forgiven. The reporting of a Profit and Loss Write-Off suggests the creditor has considered the debt as canceled for tax purposes, yet no 1099-C has been issued. This creates ambiguity over the debt 's legal status and violates IRS reporting requirements.

3. False or Misleading Collection Practices FDCPA Violation If the lender continues to pursue collection after marking the debt as a Profit and Loss Write-Off, this could violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or misleading representations in the collection of debts. Reporting the debt as " written off '' while still treating it as active for collection purposes is inherently deceptive.

4. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) CFPB Standards The conflicting reporting of the account status constitutes an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) under CFPB guidelines. This inaccurate information negatively impacts my credit profile and misleads potential lenders regarding my creditworthiness.

5. Failure to Investigate and Correct Disputed Information FCRA Section 611 Upon identifying the discrepancies, I requested clarification regarding the charge-off status and whether a 1099-C had been filed. The creditor failed to provide adequate documentation or correct the misleading information. Under FCRA Section 611 ( 15 U.S.C. 1681i ), creditors and credit bureaus are required to conduct a reasonable investigation into disputes and correct any inaccuracies.

-- - Requested Resolution : Immediate correction of the credit report to accurately reflect the account status.

Issuance of a 1099-C if the debt has been officially canceled.

Removal of the misleading Profit and Loss Write-Off if the debt remains active and collectible. 

Full compliance with FCRA, FDCPA, IRS regulations, and CFPB standards.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not REMOVING items when theyre sent with an FTC report. Since it is a requirement by law 605b of the FCRA Im sending this complaint certified mail to help establish a legal recourse. If you choose to not remove the items listed below that is reporting inaccurately due to unauthorized inquiry reporting, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the inquiry as it is fraudulent & was opened without my consent or knowledge. If you claim this inquiry and the addresses are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with these items which bear my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number : EXPERIAN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged fraudulent. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Credit card or prepaid card

on XX/XX/20 after participating in a free XXXX webinar I got a call and agreed to buy an online course for the sum of XXXX dollars I was hesitant to register but they explained me that that I will be able to cancel and get a full refund for a period of 30 days. 

Only after paying I was introduced to terms and conditions for the course and was told that I will not be able to take part without agreeing to them. 

I started taking part in the course and it was very disappointing to me. and did not meet the promises that I was promised. 

on XX/XX/XXXX I approached the head coach XXXX XXXX and complained that the program is not as promised. 

XXXX XXXX called me a whiny little XXXX and kicked me out of the XXXX call and removed my access to all the program material and XXXX groups. ( all the access to the course ) I tried to contact the merchant multiple times, and although that they promised me a full refund they did not refund. 
this is a call with the sales rep that sold me the program that promised me a refund. 
XXXX XXXX XXXX XXXX  first 2 minutes tells it all. 

I contacted chase and explain the story, they denied my request to do a charge back on this charge and as I re-disputed they still deny my request. 

it feels like nobody there is reading what I wrote to them. 

I called chase few times but the people that answer the lines has no authority to do anything.
Product: Credit reporting or other personal consumer reports

Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.
Product: Debt collection

Hello, XXXX XXXX contacted me again this morning after I filed a complaint against Williams Rush and Associates about a year back to stop contacting me. Contact stopped. She started to harass myself, my friends, and my place of employment this morning. When I called her and asked her to stop, she attempted to talk over me. Im filing this complaint to cease calls again.
Product: Mortgage

I filed a complaint previous about my mortgage payments not being processed or posted properly. Previous # XXXX, date XXXX. 
Since filing that complaint, Freedom Mortgage corrected my most recent payment by removing it from a principle payment to a monthly payment. However, they did not address the problem of missing {$490.00} that was posted in suspense, by their portal, it came back out of suspense but was never applied anywhere that I can see. My monthly statements show that only {$490.00} ( one payment of 2 I had made ) has been paid year to date, all other information on the statements are zeroes ( escrow, principle applied, interest etc.. ). I have contacted them numerous times and get spun in a circle every time. Have spoke to supervisors to no avail. Now, my credit report shows that I have not made a mortgage payment since XX/XX/2020. Freedom Mortgage says they do not report anything to the credit bureau for 60 days. I am ahead on my mortgage and have never been behind, so if it is on my report it must have come from Freedom Mortgage. 
Thanks for your help, my biggest concern is where is my {$490.00}, on my credit report it states last payment received by Freedom Mortgage was XXXX and where are my correct monthly accounts stated? As of now what I have now are receipts that say I paid XXXX and a company saying trust us it is ok on our end so don't worry. This is unacceptable. This notification on my credit report has now prevented me from being able to refinance my house through a conventional lender or use the FHA streamline program. Wish I knew how to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third complaint with BCA. The first two times I received response from the XXXX, XXXX XXXX. She stated this had been requested to be removed from my credit. 
I have received no documentation in regards to it being removed from their company. I have received no further communication at all. 

As of XX/XX/2021 this erroneous item remains on my credit report. 10 days after XXXX last response and it still sits there. I spoke with XXXX  on Friday, XX/XX/2021 in regards to this account and they have received no request to remove this. In fact, the last update they received from BCA was in XXXXXXXX XXXX. I can not dispute this item due to going through the mortgage process so I kindly ask you again, please remove immediately. 

With that being said, I am filing a third and final complaint, and will also follow up with a letter in the mail. This account does not belong to me and it is affecting my credit. I am in the process of purchasing a home and because of this item my score is lower, therefore my interest rate is lower. If this is not corrected immediately I will have to take legal action. I do believe there is also a fine that is incurred for {$1000.00} per line item on each report. 

I have been fighting this for over XXXX  months now and I wish to resolve this and move on. I have included, again, a screen shot of where this shows up on my credit. 

In case you need verification - the account number you have listed is XXXX
Product: Credit card

Credit card charge off that doesn't belong to me I never authorized Capital One to open a credit card in my name
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of extreme concern and frustration regarding the persistent issues I have faced in correcting the late open and removing a charge-off status on my financial records. Despite my repeated attempts to address and rectify these issues over the past several months, the challenges persist, negatively impacting my creditworthiness and causing significant stress. I am seeking your immediate attention and resolution to this matter. I kindly request a thorough and expedited investigation into the root causes of these problems and the implementation of corrective measures to rectify and correct the late payments and remove the charge-off status promptly. If there are specific documents or information required from my end to facilitate the resolution process, please communicate those requirements at your earliest convenience. I believe in fair and accurate reporting practices, and I trust that Credit Bureaus will take immediate and necessary steps to address and rectify these issues. I am asking for your help to correct or remove these accounts in my credit file : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$34000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX XXXX XXXX Balance : {$9600.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

XXXX. XXXX XXXX XXXXBalance : {$460.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

XXXX. XXXX XXXX Balance : {$3600.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit reporting or other personal consumer reports

Ive tried to get information that is not mine off of my credit report I was a victim or identity theft and in evolved an multiple data breaches UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and while speaking with one of the representatives and supervisor. I states per the FRCA 15 usc 1681b ( e ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. They told me there wasn't such a law that allows the consumer to elect to exclude name and address provided by a consumer report. The supervisor then hung up on me during that call as they stated I was making up laws. and as you clearly see it is in the law. There is False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. clearly put, LEXIS NEXIS fished for this negative bankruptcy information, then sold it to the credit reporting agencies to make money from ruining my reputation and ability to obtain new credit.
Product: Credit reporting or other personal consumer reports

Explain in detail the source and process used to verify the validity of the following accounts listed on my credit report. The previous dispute came back as investigated, verified and updated. The process was not explained and the source was not given. By law, I am intitled to know the source that was used to verify information placed on my credit file. 

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