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

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be
corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.
Product: Debt collection

The debt of XXXX was satisfied on XX/XX/2018.
Product: Credit reporting or other personal consumer reports

I did not receive the requested information from XXXX.
Product: Credit card

On XXXX XXXX, 2015, I made a charge to my Capital One Master Card in the amount of {$48.00} to XXXX XXXX XXXX XXXX in XXXX, WV for a deposit on a lodge reservation. I called XXXX XXXX on XXXX XXXX, 2015, and cancelled our reservation, which was within their cancellation policy, and they were to refund the deposit. XXXX XXXX made the refund to my Capital One Master Card on XXXX XXXX, 2015, however ; they erroneously made the refund for {$590.00} instead of {$48.00}. XXXX XXXX tried to do a charge back for the erroneous balance but it was declined. I have been working with XXXX XXXX since then in calling Capital One to have them return their money. Capital One refuses to return the balance to XXXX XXXX. My account is currently on hold due to payment issues as I am XXXX. This should not even be an issue as Capital One is only entitled to {$48.00} credit which was the original charge amount. XXXX XXXX has told Capital One that they made the error. I am being held hostage by Capital One as they will not release the money back to XXXX XXXX until I pay my account up to date and keep it current for 60 days. This is not in any way my error and I do n't understand why Capital One feels like they can keep someone else 's money. This has been going on for weeks with phone calls and XXXX!! Capital One should return the money to XXXX and deal with me for my personal account which has nothing to do with the merchant! This in my eyes is illegal and the XXXX has thrown my XXXX XXXX putting my health in a bad place right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked equifax XXXX and XXXX to have XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to provide proof of contract with my signature on it stating I owe these collection companys money and if proof of contract is not provided to have them deleted immediately
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 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 602 A. States I have 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

I am a federally protected consumer with the right to privacy. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, to insure the security and confidentiality of customer records and information ; to protect against any anticipated threats or hazards to the security or integrity of such records ; and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to the consumer. THE HOME DEPOT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has continued to break to law while causing harm to my family.I have not given my written consent to furnish this account information and have I long ago contacted the creditor in writing and opted out off all communication regarding this account. The continued inaccurate reporting of this account shows that these companies have failed to adopt reasonable procedures which are mandated by federal law. Aside from the inaccuracies there are several experiences listed on my credit report that occurred between me and this creditor which violates the FCRA. Further, the IRS says that a charge off/cancelled dept qualifies as income, and I am supposed to receive a XXXX from the creditor to claim my income, ( which this creditor has failed to provide ). Specific information regarding my income should not be advertised on my credit report. Lastly I have never received a bill statement from this creditor in a timely manner as required by law, yet until this account closed they continued to credit my account with late payment and additional charges. The negligence of these financial institutions have caused myself and my family extreme harm and anguish. 
These financial institutions have violated the following Federal rules and regulations 15 USC 6802- ( b ) ( 1 ) ( B ) by failing to comply with 16 CFR 314.3 ( b ) ( 1 ) 15 USC 1666b- ( a ) by failing to comply with 12 CFR 1026.7 15 USC 1681- ( b ) 15 USC 1681a- ( d ) ( 2 ) ( A ) ( i ) by failing to comply with 12 CFR 1022.20 ( b ) ( 3 ) 15 USC 1681b ( a ) ( 2 ) IRS Publication 4681 The Privacy Act of 1974 I am asking the CFPB to investigate these companies negligence. These companies have made my life difficult in reporting this account for the for almost 6 years. Now it is XXXX and I'm not able to get my family what they need
Product: Debt collection

I am a soldier ( XXXX XXXX XXXX ) .I have gotten a letter in the mail from the State of Maryland XXXX College stating that my account is in collection.I have already sent out a letter stating that I have dispute the validity of this debt. I receive tuition assistance because I am XXXX XXXX. Tuition assistance is suppose to cover the cost of classes so the only thing a soldier would have to pay for is books and other materials for classes. The XXXX classes I took was covered but the XXXX and XXXX was not. The first time I registered myself, I had no issues. The counselors registered me thru the college website the second time and now issues have arisen. I noticed that it takes a long time to reflect on their website that tuition was covered by tuition assistance. I received a letter thru the mail that I was in collection and this was my first and only notice about that. As soon as I got the collection letter I went to the school representative but was told they could do nothing about it. I found out through another counselor that it is not only happen to me but other soldiers have gotten a bill when tuition assistance should have been covering their cost. The counselor also stated that other schools would drop the class for you if they do not receive tuition assistance protecting the soldier from incurring unnecessary cost and not messing up a soldier 's credit. She also told me that the only way for me not to be charged is it has to be system error in the XXXX website or it was a counselor error. Yes I did apply thru goarmy.ed for tuition assistance. The XXXX classes I took was for XX/XX/XXXX and I pass both classes. I received the bill in question XX/XX/XXXX. Someone should have contacted me sooner so I could have remedy the problem quicker.
Product: Mortgage

My husband and I are the successor trustees for the XXXX XXXX XXXX " XXXX ''. XXXX passed away on XX/XX/2022. We have been trying to obtain a closing balance for the reverse mortgage XXXX had and we have hit roadblocks every step of the way. We have done everything and provided all pertinent information that Champion Mortgage has asked for only to be told that we are denied finding out the balance. To say that we are a bit angry and certainly frustrated is an understatement. We have spoken to Champion Mortgage at least 8 times and have faxed documents to them 3 times upon their request. This information has our personal information on it such as our Social Security numbers. Upon attempting to contact them again this morning, we learned that Champion Mortgage has been sold.
Product: Credit reporting or other personal consumer reports

I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, EXPERIAN, AND XXXX. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AT THIS TIME. 

No accurate reporting in XXXX : 1. The following personal information is incorrect Incorrect Personal information : XXXX XXXX XXXX 2. Under 15 USC 1666 Billing Error XXXX XXXX XXXX XXXX Account Number : XXXX No accurate reporting in EXPERIAN : 1. The following personal information is incorrect Incorrect Personal information : XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 4. Under 15 USC 1666 Billing Error XXXX XXXX XXXX XXXX Account Number : XXXX No accurate reporting in XXXX XXXX 1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX 3. Under 15 USC 1666 Billing Error XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

XX/XX/XXXX, {$1100.00} was reported on my credit report as an unpaid medical bill by Commonwealth Financial. I have no knowledge of this debt.
Product: Debt collection

On XX/XX/2018 I have written a letter to XXXX XXXX asking them to stop calling me that included out of that state numbers as well which they have ben doing for the past month. I informed them in a letter that all call from them will be log and recorded after XX/XX/2018. On XX/XX/XXXX I received two calls. On XX/XX/XXXX one call and XX/XX/XXXX one call. I have phone login their out of state numbers on my phone. I have sent XXXX XXXX another letter informing them they are in violation of the ( FDCPA ). And informed them I will be filing a complaint with ( CFPB ).
Product: Credit reporting or other personal consumer reports

It appears that FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you review the documents? Some listed accounts have inaccuracies in reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my monthly student loan payment to XXXX on XX/XX/21. I paid {$120.00} monthly payment balance us postal service receipt number XXXX. XXXX has marked my credit as missed payment after making my payment. I also sent a copy of my payment to transunion.
Product: Credit reporting or other personal consumer reports

Any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA since they are inaccurate. 


INCORRECT ADDRESS, PLEASE DELETE THIS FROM MY CREDIT REPORT! 


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

I have called the company time and time again over the past years to get this account fixed. I have paid both account in full within the time frame they initially told me I could without any negative backlash as I was in a bad financial situation at the time of the accounts being open and active. They proceeded to still charge off the accounts and take full payment from me. I feel as if this is just how they had planned to hurt me in a personal way because I could not make my payments on time due to my situation at the time.I have been fighting to have these account fixed on my consumer reports for years to no avail. I recently learned about the CFPB as I'm working to get my credit reports fixed to be able to buy a home soon in the future. The account numbers are as follows XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX Below I will also include screen shots from my credit reports showing the account information in more detail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal medical laon for a XXXX XXXX was taken out in my name XX/XX/22 without my knowledge. Online contarct with lender was fraudulent signed using my name. Documents that was submitted with my information I was mislead into providing under false pretenses. One payment on the loan was made in XX/XX/22 using billing information that did not belong to me. I never received one billing statement from XXXX XXXX XXXX who provided the loan. Did not become aware of loan until it was Lendingpoint flaged my credit due to late payments. On file with XXXX XXXX XXXX  that had phone numbers, email addresses and mailing addresse that did not belong to me as well as place of employment Proving that the was a fraudulent. As of today I have put a fraud alert on my credit, have called both Lendingpoint and XXXX XXXX XXXX several time file a dispute with experian anf XXXX XXXX and in the process of filling a police report once the lenders provide me with all of the necessary documents. Thanks for listening and providing me with some kind of assistance with this unfortunate matter.
Product: Credit reporting or other personal consumer reports

I've contacted the XXXX Reporting Agencies several times both via phone and mail to see why the XXXX account that have been " charged off as bad debt '' meaning canceled or forgiven on behalf of the creditor is still reporting to my credit report. 

Per IRS, once the creditor has XXXX the account, the debt is now canceled and/or forgiven. The debt is now taxable income and is being filed on my taxes. INCOME AND/OR TAXABLE INCOME CAN NOT BE REPORTED ON A CONSUMER 'S PROFILE AS DEBT. 
In accordance with 15 USC 1681 ( E ) B, each agency has the responsibility of reporting maximum accuracy to my consumer profile. These inaccurate accounts being reported are severely impacting my ability to obtain credit.
Product: Debt collection

The debt company that was trying to collect a " debt '' from my wife and I, is IQ Data International In. They started calling us back in XXXX and XXXX demanding that we pay a debt of {$310.00}, that we owed to an apartment establishment we were renting from prior. I told them we have never received a letter or notification about this after moving out. I asked what the charges were for and they explained to me it was for unpaid utilities. I went back and forth with the employee for 30 minutes about how all the utilities except electric was included into the rent. He began to tell me that, that's not how rent and utilities work and that I had back charges. I let him know again that the utilities were included in the monthly rent and all he kept saying was we needed to pay or it will be sent to collections. I then told him the XXXX XXXX sent us a check for our XXXX  and asked why that happened if we owed them anything. He could not answer and kept telling me if we didn't pay, the amount is going into collection. 

After a week passed since talking to someone for IQ Data, I received a notification on my phone saying that my credit score has changed and that there is an account in collections. This was XX/XX/2022. I then submitted a dispute on this account on XX/XX/2022. I called IQ Data and asked for a dispute hotline and was given an email. The investigation was completed on XX/XX/2022. The only results I gotten back was " XXXX investigated your dispute but did not change your information '' and I was left back at square one. 

Upon filing a dispute through XXXX XXXX, I also sent an email that was provided to me by an IQ Data employee. I sent the email on XX/XX/2022 with multiple attachments of my rental history/payments. All which were provided to my the leasing office of the apartment I rented from. It showed everything I was paying and at the bottom of the document, it showed all the last charges from the last month I lived there.
Product: Mortgage

Wells Fargo XXXX Bank sold my note as a security on my XXXX form it doesn't show that I owe Wells Fargo for a debt Wells Fargo foreclosed on my home after stringing me along saying they will be working with me to give me all the information that I need showing proof that they did not give me the loan that my signature is self is what gave me the loan because they are a bank and they do not give loans I have attached an affidavit because Wells Fargo after telling me they will work with me and while in the midst of working with me they went ahead and foreclosed on my home send me a letter XXXX weeks later saying that they are sorry about the inconvenience and they had already foreclosed on the home without giving me proper information or giving me proper time to get what I needed
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX JXXXX 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: Money transfer, virtual currency, or money service

This letter is an overview of the fraudulent activity that occured on my XXXX XXXX XXXX Account ending in XXXX. 

XX/XX/XXXX was incarcerated in the Alabama Department XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. 

XX/XX/XXXX I released my personal property, ( cellphone & Wallet ) to my daughter ( XXXX XXXX ). 

XX/XX/XXXX, XXXX XXXX XXXX illegally and without authorization stole my wallet and cellphone from my daughter 's house. 

XXXX had been a roommate and I had known her for a couple years. 

The first thing XXXX did was to change my username and passwords on XXXX email, XXXX, XXXX, and XXXX XXXX XXXX. 

She now had control of all my accounts. She had access to my phone & email for verification purposes. 

XX/XX/XXXX Unauthorized XXXX transfer {$500.00} to XXXX XXXX. 

XX/XX/XXXX Unauthorized XXXX  transfer {$500.00} to XXXX XXXX. 

XX/XX/XXXX Unauthorized XXXX transfer {$360.00} to XXXX XXXX. 

I contacted XXXX XXXX and file a Fraud Claim. 

I asked XXXX to change my username, password, email, and phone number associated with my account to stop her from taking more. 

XXXX said that my account would be frozen and that I would need to come to a local branch and show ID to gain access. I was incarcerated and assured them I would do that upon my release. 

XX/XX/XXXX Unauthorized XXXX transfer XXXX to XXXX XXXX. 

I was extremely upset with Chase Bank and how they did nothing to protect me. They said someone called into Customer service and activated the account. 

Chase Bank disconnected the XXXX feature on my account and froze the account again. 

I now had to file yet another XXXX claim for XXXX My claims where denied with the findings that the transactions were from the same phone, email, and XXXX Banking XXXX. 

I explained once again, aim incarcerated, I didn't have the option to have my cellphone in jail. It would be impossible. 

XX/XX/XXXX Unauthorized XXXX XXXX ACH transfer of {$500.00} to XXXX XXXX. 

XX/XX/XXXX Unauthorized XXXX XXXX ACH transfer of {$100.00} to XXXX XXXX. 

Now I had XXXX fraud claims. XXXX {$2600.00} and XXXX XXXX {$600.00}. 

XXXX told me to refile the claims with PROOF OF INCARCERATION AND RELEASE proving my innocence. I filed that with XXXX on XX/XX/XXXX. 

Both claims were denied.
Product: Mortgage

I am a XXXX in XXXX, Ca. representing a client who is selling XXXX XXXX XXXX XXXX, CA. XXXX. The sellers accepted an offer from a buyer on XX/XX/XXXX. The lender handling the financing for the buyers purchase was Caliber homes loans, the loan officer was XXXX XXXX ( XXXX ) XXXX. The buyers conducted an appraisal on the property and then immediately had to cancel due to their inability to qualify for the loan. Caliber home loans was provided a case number from FHA and also submitted the appraisal in the FHA system. After I placed the home back on the market for my client and we received another offer from a buyer who is also utilizing FHA financing for their purchase. The new lender XXXX XXXX at ( XXXX ) XXXX made a formal request on approximately XX/XX/XXXX. Caliber home loans transferred the case number but not the appraisal attached to the case number. Without the appraisal the new lender is unable to move forward with the buyers loan. I spoke with XXXX XXXX ( XXXX ) XXXX on XX/XX/XXXX and asked her to transfer the appraisal as requested and was told we had to pay for the appraisal to be transferred. I do n't understand how they can ask for my client to pay for an appraisal to the lender that was already paid for by the previous buyer. The are holding the appraisal hostage to the transaction they are no longer a part of. I spoke with the branch manager XXXX XXXX ( XXXX ) XXXX on XX/XX/XXXX and he informed me that they would transfer the appraisal but needed a formal request from the subsequent lender. That formal request was already made and they are refusing to cooperate. My seller now is unable to close escrow on the sale of their home because of the lender who is no longer a part of the new transaction. Everyone is on hold because they are refusing to cooperate. Please contact me as soon as possible. XXXX XXXX XXXX XXXX with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in onXX/XX/2020and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.