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

Dear XXXX XXXX XXXX I hope this message finds you well. I am writing to express my deep concern regarding a significant discrepancy in the reporting of my tradeline with your organization. My credit report currently reflects a balance of {$0.00}, which is not accurate as my understanding and records indicate there should be a tradeline amount of {$30000.00}. 

This discrepancy is causing a considerable impact on my credit profile, and I am seeking your immediate assistance in rectifying this issue. I understand the importance of accurate credit reporting and its impact on my financial standing. Therefore, I kindly request that you promptly investigate this matter and update the reported tradeline amount to reflect the correct balance of {$30000.00}. 

I have attached supporting documentation, including statements and transaction records, to substantiate the accurate balance. I believe this evidence will aid in expediting the resolution process. 

I appreciate your attention to this matter and expect a prompt and thorough investigation into the reporting error. Please inform me of the steps being taken to rectify the situation and provide a timeline for the correction to be reflected on my credit report. 

Thank you for your immediate attention to this urgent matter. 

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

During the COVID hardship my family was heavily impacted, and during the XXXX and XX/XX/XXXX timeframe I was unable to work at my job and became behind on mortgage payments. I quickly was able to bring the mortgage current 2 months late but have only just recovered from some of these impacts, and am still recovering. 

During this time my mortgage servicer had an automated COVID CARES act call center option that I selected to enroll in the Forbearance plan with phone confirmation, repeatedly, ( to find out later, apparently to no effect ). Once the loan was paid current I didnt think too much about it until I noticed a negative impact on my credit report. After seeing this I then called our mortgage servicer PennyMac Loan Services LLC on XX/XX/XXXX to re-enroll in the forbearance plan and to request the negative credit impact report be removed in accordance with the CARES act law. 

On this occasion, XXXX, a senior loan servicer, took the request to remove the negative credit impact report from my credit and created a ticket with the credit department according to what I was told. I called again on XX/XX/XXXX and got in contact with XXXX where I was told I was in fact not enrolled in the forbearance plan, and that the credit report retraction was denied. I was then craftily steered away from trying to re-enroll in the forbearance plan. They stated that because I was and am able to make my payments, that I would not be allowed on a forbearance plan. I was denied until I became forceful on the call demanding that I be enrolled in the forbearance plan and read the letter of the law. I recorded this call. 

I explained that my family and I had been impacted by the COVID hardship last year during the fall, and that I had tried to enroll in the forbearance plan repeatedly. I explained that I can make my payments but simply want to remove the negative credit event from my credit report. This was repeatedly refused, even after explaining that the hardship impact had begun last fall, and was related, and to be legally compliant with the law, that they needed to remove this negative event. They refused. My family needs to move, and I need to get a new mortgage in another state. With a negative credit report, this will be far more difficult. Please help! 

Thank you!
Product: Vehicle loan or lease

XXXX XXXX settle agreement with Westlake Financial services on XX/XX/2022 at XXXX we agree on XXXX XXXX dollars to close out my account and I don't own anything else and they told me they will remove this account OFF All 3 of my credit report And email me a pay to delete LETTER, and I haven't received any response are nothing
Product: Money transfer, virtual currency, or money service

Paypal claims they made a money transfer in my name for the amount of {$120.00}. The bank account that was used for the transfer does not exist since I closed it a year ago. So I asked them how they could have accessed a closed account and the reply I got is they pay first and try to collect from the bank later. This is not satisfactory and I am wondering if it is at all legal. 
The transfer was made to Washington XXXX for annual dues, a subscription I did not need since I already have XXXX from my spouse. 

I am sorry if this is going to the wrong section of CFPB but since it involves a money transfer I chose the Money Transfer Option. If need be please direct this to the correct section of CFPB.
Product: Credit reporting or other personal consumer reports

In, accordance with the Fair Credit Reporting Act Equifax information Services LLC has violated my rights. Inaccurate reporting 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 ( Equifax ) can not furnish an account without my written instruction of permission. 15 USC 1666B. Also as a consumer per 15 US code 1681n : Civil liability for willful noncompliance. In case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater. I have 7 accounts that are considered fraud with illegal transaction history and reporting a Certificate of indebtness which is also illegal. 31 U.S. code 3104, 26 CFR 301.6312-1 Section 61 ( a ) ( 12 ) Section 108 ( a ) 1. Equifax has numerous inaccurate reporting for account Upgrade the balance is reporting as {$5800.00}, but other agency is reporting differently, open date is XX/XX/XXXX which is different from XXXX and XXXX. Last time verified for the account is showing no data, date of last activity of equifax is XX/XX/XXXX which is also reporting differently from XXXX and XXXX. Close data showing no data, term length is showing 0 months different than other 2 reporting agencys. XXXX XXXX XXXX XXXX, balance {$23000.00}, open date XX/XX/XXXX. XXXX XXXX balance : {$1800.00}, date : XX/XX/XXXX. XXXX XXXX  balance : {$1000.00}, open date XX/XX/XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX : {$4000.00}, open date XX/XX/XXXX. XXXX  lXXXX XXXX open date XX/XX/XXXX. XXXX  XXXX XXXX  XXXX XXXX  balance, {$2000.00}, open date XX/XX/XXXX. XXXX XXXX XXXX balances {$1800.00} open date XX/XX/XXXX. Fraud inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These are fraud addresses that are not mailable please delete. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not consent nor authorize Equifax or this company to run my credit or use my social security number. I would like to be reimbursed {$1000.00} per violation. Equifax and the corresponding accounts reported are also in violation of 15 US Code 1681c-2 Block of information resulting from identity theft. These accounts are all related to identity theft i have provided the necessary documentation under this law and the accounts still remain on my report. Per the FCRA, as a federally protected consumer. I am now opting-out of any and all authorization. I am now opting- out of any and all authorization. I, the consumer, may have given you written, unwritten, and non verbal per 15 USC 6802. 

Delete in 4 days or pay me the {$1000.00} per violation.
Product: Mortgage

I applied for a VCA IRRL refinance through my existing mortgage company ( Freedom Mortgage ) I started this process in XX/XX/2020. Originally everything went well and we closed on the refinance on XX/XX/2020. My new payment was not due until XX/XX/2020. Approximately 2 weeks later I received an email from XXXX XXXX ( Customer Advocate ) for Freedom Mortgage stating he would be handling my case going forward and would be contacting me to schedule a closing date. I was confused as I had already closed and did not need to schedule another closing. I was then informed that the funding of the loan had not gone through and that I would need to redo the refinance in order to complete the process. Then weeks passed an I never heard anything from him on the status of this VA IRRL. I eventually told him to stop moving forward with the process as it is my intention to take my business elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car payment in the amount of {$840.00} a month, as of XX/XX/XXXX I have made payments in the amount of {$450.00} twice a month. In XX/XX/XXXX I made a total payment of {$790.00}. Then end of XXXX I made {$100.00} payment via XXXX XXXX card, a {$220.00} payment via my checking account on file and again {$450.00} payments every other week. The payment made in XX/XX/XXXX should and would have covered the remaining balance for XX/XX/XXXX. Via XXXX, XXXX and XXXX all three bureaus show paid on time for XX/XX/XXXX however, Chrysler capital is stating that I owe {$370.00} for XXXX!! I had to make a future secure payment in this {$370.00} amount for XX/XX/XXXX payment, that has already been paid several times over!! Chrysler then reported the account 60+ days past due knocking my and my spouses credit score XXXX points down. I have all bank statements and proof I have made these payments. My last payment ( s ) were XX/XX/XXXX {$230.00} out of my checking account and {$230.00} out of the XXXX XXXX card. I am so sick of Chrysler Capital not counting my payments towards the correct months, destroying our credit score as well. The employee I spoke with stated that I have been making payments partially in two amounts since the contract began, but as of XX/XX/XXXX Chrysler Capital is NOT accepting the payment spilt up like that and I must pay only on the due date which is the XXXX of each month. The employee confirmed that I have in fact been paying {$50.00} over the amount due each month, and I do have a 10 day grace period but since I do not pay the amount due on the XXXX that NONE of my payments have counted, and my vehicle is now up for repossession! Also, Chrysler Capital is illegally hitting my with a delinquent fee for everyday I make a payment that is NOT on the XXXX. The example given to me was as follows : If I make a payment in XXXX on the XXXX and XXXX of the month, but the payment due date is the XXXX, then both payments of {$450.00} will NOT count towards the monthly payment for XX/XX/XXXX, I will also be hit with a delinquent fee from the XXXX of XXXX to the end of the month and my car will be up for repossession. 
I have never been so frustrated and felt taken advantage of in my life. I have been making the payment monthly even though I am on unemployment, and Chrysler Capital has taken my payment each month since XX/XX/XXXX. How can a company take a payment but then say this payment does not count? How can they negatively effect my credit score? I need help correcting this
Product: Payday loan, title loan, personal loan, or advance loan

Credit fresh is looking to harass me and that is all there is to it. Let me XXXX you a few examples. For one, I keep making payments and my balance remains the same staying at about XXXX dollars for about 3 months now, if not more. If that's not happening let me tell you what i think is the most messed up. I went to XXXX  back in 2021 for a year and my payments came out of my bank automatically and for some reason when I was in XXXX  they stopped the payments. This has been the biggest obstacle because my loan would be paid off at XXXX dollars a month for 11 or 12 months. Maybe my math is off. Well the worst part is when they called me on the first Saturday in XXXX with there robot AI, must have gone rouge or something, but anyway I call them and they make me talk to robots and I get nothing done with that. They created this company when I got a loan anyway I'm sure I was the first customer but I hope to XXXX I'm the last as well because this has not been fair. With the hassle they should be paying atleast 10 fold if not more. Thank you, but I'm XXXX  of being called out of my name like I am someone to just bully all the time. OK you will hear about it. I guess that's just the way my bank account is going to have to work.
Product: Money transfer, virtual currency, or money service

Several issues with Zelle of money being lost, unknown transactions, being locked out of account adding fees that werent stated, multiple issues
Product: Mortgage

To Whom It May Concern, I am writing to you to make you aware of the unethical practices of US Bank headquartered in US Bank XXXX XXXXXXXX XXXX 
XXXX. MN XXXX. 

I have communicated with them on several occasions ( ongoing for about 2 months ) regarding my forbearance due to Covid-19 and each representative I have spoken to will not provide me with the information I am looking for. I have consistently paid my mortgage for 5 months now and none of those payments show up in my account as being paid. There has been several representatives that have verbally confirmed that I have been taken out of forbearance since I have been making payments consistently. However, the funds have been unapplied '' to my account. I have requested that the forbearance status be removed on several occasions now since I have been making my monthly payments on time. I am currently going through a refinance and originally I was told by US Bank representatives that they would provide me with a letter stating that I am out of forbearance so that I am able to proceed with my refinance and lock in a rate. Fast forward to now, XX/XX/21, I was on the phone with XXXX XXXX, one of their supervisors who insisted that she was not able to help me and provide a letter? So, now I am not able to lock in a great rate that will save me money and proceed with my refinance as planned due to their negligence and stringing me along for months to prevent me from refinancing elsewhere. 

Please let me know if you require any additional information. If they are doing this to me I am sure they must be playing this same game with many of their other customers. 


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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and TransUnion to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$600.00}
Product: Debt collection

A company called XXXX XXXX XXXX  is trying to sue me for a credit card debt that does not exist. I have contacted XXXX XXXX XXXX  on many occasions, filed a Cease and Desist Letter on XX/XX/XXXX and yet they are still trying to sue me for a non-existent debt. XXXX can not find ANY record of this card tied to my social security number. I spoke multiple times with XXXX and confirmed this. On XX/XX/XXXX the XXXX Security Operations officer confirmed once again, there is no debt tied to my social security number. She suggested I contact XXXX, the Consumer Financial Protection Bureau and the State Attorney General as this company is violating the Fair Debt Collections Practice Act. This 3rd party debt collector has harassed me for a year and a half and keeps trying to get more personal information from me over a debt that does not exist, and I am very concerned about Identity Theft. There is NOTHING on any of my 3 credit reports pertaining to this card. I was informed by XXXX Fraud department that XXXX XXXX  XXXX  is in violation of the Fair Debt Collections Practices Act. I want this lawsuit and harassment to stop ASAP.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with equifax since I started trying to fix all errors on my credit report I noticed in XXXX last year. The problem is everytime I sent something in the day they cant verify me. I've sent license birth certificate utility bill w2. For last 4 months they keep sending me this stupid letter that they cant verify me. I called twice. Both recorded and they said everything was good but yet here comes more letters saying they can't verify me. So than they are not investigating any of this bad stuff on my file even though they claim they are but yet I keep getting these letters. Its very frustrating and Im to the point of calling a lawyer
Product: Mortgage

This is a DEMAND FOR VALIDATION OF DEBT to US Bank, As Trustee, Successor in Interest to XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Acct # XXXX / XXXX To Whom It May Concern : Please treat this letter as a " qualified written request '' under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). 

We have received correspondence indicating that U.S. Bank National Association, as Trustee, Successor in interest to XXXX XXXX, XXXX XXXX, as trustee for XXXX XXXX XXXX XXXX XXXX is the Noteholder for the above referenced mortgage account. 

This request for information is submitted pursuant to Regulation X 1024.36 under RESPA. This request is not duplicative of any prior request for information on the above referenced loan account ( s ). 

Please provide a validation for the above referenced account # XXXX including amount owed, principal, fees and interest payments made since the inception. To wit, this is a request for a complete, correct and exact copy of the loan transactional history. This is also a request for deal side transactional history. 

Thank you for your cooperation.
Product: Debt collection

XXXX XXXX XXXX XXXX is in violation of several FRCA laws and IRS rules and regulations To provide a reference supporting your claim regarding the IRS classification of a charge-off as income, the key reference is IRS Publication 4681 : Cancelled Debts, Foreclosures, Repossessions, and Abandonments. According to the IRS guidelines, when a debt is cancelled or forgiven, it may be considered taxable income under Internal Revenue Code ( IRC ) 61, which addresses gross income. 

Here is a clearer explanation based on IRS guidelines and reporting requirements : 1. Charge-Offs as Income : When a debt is charged off, the creditor no longer expects to collect it, and it may be forgiven. The IRS considers the amount of the forgiven debt as income to the debtor. This is reflected in IRS Form 1099-C, Cancellation of Debt, which reports the amount of cancelled debt as income.

2. Income and Credit Reporting : The Fair Credit Reporting Act ( FCRA ) and other consumer protection laws govern what information is reportable on consumer credit files. While the IRS classifies discharged debt as income, it should not be reported as an active liability or as an amount owed on your credit report. If the account is reported as an active debt after it is discharged, this would be an inaccuracy, as you are no longer legally obligated to repay it.

3. IRS Website & Publication 4681 : According to the IRS, when a debt is forgiven ( including charge-offs ), the creditor is required to report it as income, which is subject to tax. Reporting the cancelled debt on a credit report as a debt owed would conflict with this classification and the consumer 's obligation under the tax code. 



Under the IRS guidelines, when a debt is discharged or forgiven, such as in the case of a charge-off, the amount is considered taxable income ( IRS Publication 4681 ). The IRS requires that the forgiven debt be reported as gross income, and the debtor may receive a 1099-C form reporting the amount as income. Therefore, it is inaccurate for XXXX XXXX XXXX XXXX to continue reporting this debt on my credit file as an outstanding liability, as it no longer constitutes an obligation on my part, and is now considered a certificate of indebtedness under IRS regulations. 


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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX Date Opened : XX/XX/2016 Balance : {$32000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.