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

I am contacting the CFPB because it is my last attempt of trying to correct the inaccuracies reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX for account XXXXXXXX XXXX XXXX XXXX. I have called to speak to two managers XXXX and XXXX trying to escalate this issue to be resolved because it is not only hindering my life but causing a snowball of other problems all due to the negligence of the staffing at XXXX. It has been reported two late payments to my credit profile when in fact I have not been. It has been confirmed by multiple employees that the fact XXXX is reporting a late XXXX payment when my due date was XX/XX/XXXX, payment received XX/XX/XXXX ( six days later ) ; I should not be counted for a late payment when the payment is incapable of being labeled late until 30 days past the payment date of XX/XX/XXXX ( which would be XX/XX/XXXX ). I have called and complained several times of the need for call monitoring and coaching of staff who informed me that my automatic payments were active when later informed they were not causing me to log in the XXXX customer portal to manually submit one time payments. I have over a XXXX credit score, never experienced a late payment in my life which shows this is not a regular trend of actions but in fact is the opposite of my character and habits. I feel that the employee that informed me that my automatic payments were active should be held accountable and that the incorrect late payments reported should be removed immediately. I have personally sent in two packers to XXXX XXXX XXXX including a formal dispute which is attached with the details of the incident, copy of my XXXX credit report which noticeably shows my XX/XX/2021 payments as on time and a in depth 50 page packet of my credit report to show that I have never been late with any lender in my life. I am begging for help to fix this issue because it is inhibiting me from closing on my home with my family because it has drastically dropped by credit score and reflected negative payment pattern that is not true. I demand that the XX/XX/2021 and XX/XX/2021 late payments be immediately deleted for account XXXX 2021 XXXX XXXX and also the recorded phone conversation with XXXX XXXX services employee be pulled to show that I was given incorrect information.
Product: Student loan

Mohela currently incorrectly states on its website that those seeking public service loan forgiveness be employed at a qualifying employer on the date their loans are forgiven even though there is no such requirement currently. 

Currently, those seeking public service loan forgiveness need only be employed at a qualifying employer when they make their qualifying payments and when they apply for forgiveness.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention concerns regarding the handling of accounts with write-offs and to request clarification on the relevant codes and statutes governing these practices. 

Relevant Statutes and Regulations Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681c, accounts that have been charged off must be reported accurately. Information reported must be complete and accurate to avoid misrepresentation on consumers ' credit reports.

Fair Debt Collection Practices Act ( FDCPA ) : According to 15 U.S.C. 1692e, it is unlawful for debt collectors to use false, deceptive, or misleading representations in connection with the collection of any debt. This includes misrepresenting the status of accounts that have been written off.

Consumer Financial Protection Act : The CFPB is empowered to enforce regulations that protect consumers from unfair, deceptive, or abusive acts or practices ( 12 U.S.C. 5531 ).

Treatment of Write-Offs as Income It is important to note that a write-off is often considered cancellation of debt and may be treated as income for tax purposes under the Internal Revenue Code. Specifically, according to IRS guidelines, if a creditor cancels or forgives a debt, the amount canceled is generally considered taxable income ( 26 U.S.C. 61 ). This has significant implications for consumers, as they may face unexpected tax liabilities resulting from debts that have been written off. 

Potential Fines for Non-Compliance Failure to adhere to these regulations can result in significant penalties, including : Fines under the FCRA for inaccurate reporting can reach up to {$1000.00} per violation. 
Under the FDCPA, violations can result in statutory damages of up to {$1000.00} per action, along with potential additional damages for actual losses incurred. 
Request for Clarification I would appreciate clarification on the enforcement of these regulations, particularly regarding the responsibilities of creditors and debt collectors in accurately reporting accounts with write-offs. Additionally, any information on consumer rights related to disputing these inaccuracies would be beneficial. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$700.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To Whom It May Concern, I XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. 
XXXX. XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. Stated 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 without written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

It also states a consumer reporting agency can not furnish an account without my written instructions.

DELETE this immediately or I am prepared to FOR LITIGATION Sincerely, XXXX XXXX
Product: Mortgage

I had a short sale back in 2009 which was negotiated not to be reported negative. In fact the agreement was that the accounts be unrated or deleted.
Product: Mortgage

At the beginning of obtaining this reverse mortgage my understanding was I was to pay the taxes of the property which I agreed to do. At the time, my property taxes were already behind and the default amount was not cleared or paid up current by the reverse mortgage company. What happen my default amount became an issue, because a clause of the reverse mortgage agreement states property taxes must be kept current which I was not advised nor aware of before I sign the contract, otherwise I would not have sign it. 
Thus, the reverse mortgage company contacted the tax office and paid up the default amount fully on the property and provided me with a monthly repayment plan to repay them as well as the ongoing current amount, leaving me with XXXX tax payments obligations to handle, which became overwhelming to handle, considering the others house up keep that also must be kept up as well. I carried it for as long as I could until it became impossible to keep it up. 
So this is were we are now. The reverse mortgage company has file to foreclosure on the property
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. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, 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 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 card or prepaid card

American Express Platinum card had an introductory offer of spend {$5000.00} and get XX/XX/XXXX points.

I signed up for this offer and the credit card was approved. When applying or after my application was approved, even after having called the customer support team, I was told that my points were on its way and usually I have to wait it out for 3 - 4 months. ( I spoke to 3 to 4 representative who told me to keep on spending with the card ) 7 months into opening the account, today, I was told that the offer is no longer valid and they would not honor the promotion that was promised to me in XXXX, 2018. The companies, representatives lied to my face and are now denying the offer. 

This is not a correct business practice as I was cheated into spending more with the card.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed certified letters to all three credit bureaus. The letters included a copy of my driver 's license, Social Security card, my FTC identity theft report, and a cover letter highlighting accounts that were opened because of identity theft. XXXX and XXXX have deleted the incorrect information from my credit report and sent me updated copies of my credit reports. 

However, Equifax has failed to properly investigate my dispute and update my credit report. I have called Equifax to verify that they received my dispute and documents, and they confirmed receipt. I also submitted a dispute online with Equifax, including a copy of my FTC identity theft report and police report. 

Despite these efforts, the incorrect information is still being reported on my Equifax credit report. On XX/XX/year>, the results of my dispute with Equifax were completed. The results stated that the collection account was removed, but it is still being reported on my Equifax credit report as of XX/XX/year>. 

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because Equifax has failed to comply with the Fair Credit Reporting Act ( FCRA ) by not properly investigating my identity theft dispute and removing the inaccurate information from my credit report. I am requesting that the CFPB intervene and ensure that Equifax complies with the FCRA and removes the incorrect information from my credit report.
Product: Credit card

My wallet was stolen in XX/XX/2023. The criminal tried to use my Citibank Visa XXXX at XXXX. I called Citibank immediately to report the stolen card, and answered a text from them not to let the charge go through because it was fraud. Citibank went into investigation, and denied my claim, saying I owe them the charge of {$2200.00}. I asked them twice to re-open the case, sending them what they asked for ( my driver 's license and a screen shot of the text ). They are no longer responding, but are now sending me past-due notices and threat of collection.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

During XX/XX/XXXX, I applied for a mortgage with TIAA Bank. My home was under construction and was expected to close in XXXX. I paid for a 6 month lock {$3300.00} with the promise it would be refunded at closing and also applied under the REST program at TIAA. 

XX/XX/XXXX, I received notification that my loan was now under a new loan officer. Loan officer XXXX XXXX, was unable to provide information on the existing REST program as well as financial information regarding loan. 

Closing was set for XX/XX/XXXX, repeated calls and emails to XXXX went unanswered regarding status of loan approval. Up until XX/XX/XXXX, ten days before closing, I had no closing information or approval or any sense of the status of the loan. 

I believe TIAA had no intention of closing the loan and now is refusing to refund the {$3300.00} that I paid in good faith. 

The main call line leaves message for XXXX and his manager but no information is forthcoming regarding the status of my request. 

I believe the retail mortgage spin off was a fraud and there was never any intention of closing my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit reports today, XX/XX/XXXX, and noticed fraudulent activity. There should be no accounts, only my student loans. Earlier, I called the account creditors to let them know these are fraudulent accounts. The accounts are listed below. 

- XXXX XXXX in the amount of {$3700.00} was opened on XX/XX/XXXX. 
XXXX XXXXXXXX XXXX was opened on XX/XX/XXXX. 
XXXX XXXX XXXX  for {$610.00} date opened is unknown. 
XXXX XXXX for {$4800.00} dated opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} date opened unknown. 

I did not open these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT AND I HAVE ALWAYS TRIED MY BEST TO KEEP MY IDENTITY SAFE. I DID ALL THAT I COULD DO TO AVOID THIS TYPE OF THING FROM HAPPENING TO ME. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

Credit cards and credit lines : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX/XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  : XXXX. XXXX, XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint as a follow up to the recent dispute I complaint. In accordance with the Fair Credit Reporting Act section 605b, I am demanding that the following accounts be corrected and updated as soon as possible : XXXX BANK AND XXXX XXXX Balance : {$0.00} - Your record keeping isinadequate. This item is reported as past due but the account is closed with a XXXX balance. Correct it now. Provide evidence that false information hasn't been reported or remove it. 
XXXX XXXX XXXX XXXX Balance : {$0.00} - The item on my report is inaccurate. The account is closed with a XXXX balance, yet it's reported as past due. Please fix this immediately. Either provide proof that you haven't reported false information or remove it. 
XXXX XXXX XXXX : {$0.00} - Despite my request for an investigation and the removal of the charge-off status, no action was taken. Not only was no investigation conducted, but you also chose to neglect this matter despite having ample time to address it. I demand that you remove this item immediately, as it is unacceptable to leave it on my record without taking any action.
Product: Mortgage

We have our loan through Pacific Union Financial :  Bought the house XXXX of XXXX. Property taxes on our escrow was not being allocated properly even though we paid the full mortgage amount. XXXX XXXX County tax collection sent us a notice of property taxes owed in XXXX of XXXX. Pacific Union agreed to refinance our loan so that they can take the  money from escrow and pay the owed property tax. We refinanced and thought the matter was settled. Now we got a notice that we are {$4000.00} short on our property taxes assessed. So our estimated payment went from {$3100.00} to {$3800.00} a month. More than our payments before refinancing. We found out from XXXX XXXX tax office that the property taxes redemption was never paid. So when we refinanced they never paid it and now we owe {$7000.00} because of penalties. This has been going on for the entire time we owned our home. We have always paid the payments on time and done our due diligence to resolve this matter. This is putting is in a finacial hardship and affecting our marriage because of the stress this has caused us year after year. Please help us resolve this matter. Thank you, XXXX XXXX
Product: Bank account or service

Promotion advertised to open new account. 
Went through all the steps and at then end it checked my identify and asked me to answer questions, and somehow system were not able to identify me. 
Bank system took me to another page asking me to upload XXXX form of IDs to verify identity, once that completed, I was sent a confirmation that I will hear back from the bank soon. 
After a month or so, the Bank denied opening my checking account, telling me that they ca n't verify my identity thus they ca n't open my account.
Product: Debt collection

this account was paid when I refinanced a loan. I addition, the account is 7 years old therefore I am asking for this account to be deleted from my credit.
Product: Credit reporting or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT

SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # 1234, has violated my rights. 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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX MOT XX/XX/XXXX XXXX XXXX MO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I recently reached out to Equifax about unauthorized inquiries I found on my report. The agent I spoke to ( XXXX ) told me to file a police report for fraud. I went to the police department here in XXXX XXXX, XXXX XXXX XXXX Patrol Division. I informed them of the fraud on my credit file and that I did n't give anyone permission to use my information. The desk sergeant told me that no crime was committed. She stated until I received a bill in my name, that there was nothing they could do about it. I spoke with Equifax yet again and was told to file a complaint here. 
This is the list of inquiries that Equifax refuses to remove that I did n't authorize. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 

Due to never being supplied with verification nor validation of inquiries, I would like for them to be deleted according to the FCRA.
Product: Debt collection

Its a collection on the account XXXX keeps saying its verified but fails to give me the information or show proof of the verified information they have for credit corp solutions opened XX/XX/XXXX as well as XXXX XXXX XXXX opened XX/XX/XXXX 2024
Product: Credit reporting or other personal consumer reports

This is what happened I requested a new copy of my credit report and I found out that I had ACCOUNT REVIEW INQUIRIES that I do not recognize at all. I never did any financial business with CAPITAL ONE BANK ; I never applied for any new lines of credit or did any credit monitoring services with them. So Looked at it and saw XXXX XXXX via XXXX XXXX XXXX and found that CAPITAL ONE N.A., XXXX XXXX XXXX, XXXX, VA XXXX XXXX ( XXXX ) XXXX ) Requested on XXXX Account Review Inquiries that wasn't even written authorized by me. My identity was stolen. 

The next Inquiry was CREDITWISE CAPITAL XXXX requested on XX/XX/2023 I never gave them authorization for them to do a credit check in writing to do an issued Account Review Inquiry on my credit report.
Product: Debt collection

This company has been calling continuously for a while. I asked for proof of debt. I also asked them not to call and only communicate in writing. I sent a letter to the company on XX/XX/2020. The letter was received on XX/XX/2020. They have continued to call. The people sound foreign and have asked about various names. This is very suspicious and sounds like a scam.
Product: Debt collection

Name on account is XXXX XXXX account number is XXXX debtor is JHPDE Finance I LLC Creditor is XXXX this account was ope fraudulently under my name I have no idea and I have tried to dispute it already with JHPDE.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX XXXXXXXX from XXXX XXXX XXXX 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 an account without my written instructions. 
This account reported on my credit report is a fraudulent account.