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

I have the following account on my credit report that are documented as charged offs : One Main Financial. I have contacted One Main Financial directly on numerous occasions, dated back to XXXX with no resolution to date. The most recent contact was XX/XX/XXXX. Each year I have been trying to get a copy of my XXXX since all three companies have stated that each account has been charged off/written with refusal to send me the appropriate information. This information has impacted my credit report and has been misleading to lenders and creditors. Listed below is a generic letter letter that I have submitted to all XXXX creditors with no response : To Whom It May Concern, I am writing to formally dispute the current status of the above-referenced credit card account and to request the issuance of IRS Form XXXX for the cancellation of debt associated with this account. This account was reported as charged off by XXXX XXXX XXXX XXXX, and I believe it qualifies for cancellation of debt reporting under the applicable Internal Revenue Code ( IRC ) and IRS regulations. Account Holder Name : XXXX XXXX XXXX Account Type : Individual Credit Card Date Opened : XXXX Charged-Off Amount : XXXX Credit Limit : XXXX  Balance as of XXXX XXXX  Past Due Amount : XXXX  Last Payment Date : XXXX Original Charge-Off Amount : XXXX High Balance : XXXX Creditor Contact : XXXX XXXX XXXX XXXX As stipulated in 26 U.S. Code 6050P, a creditor must file Form 1099-C when a debt is canceled or forgiven in an amount greater than { {$600.00} }. The amount of the charge-off for this account exceeds { {$600.00} }, and it remains unpaid. Under these circumstances, I believe the cancellation of debt for this account should be reported to the IRS, and a XXXX should be issued. Additionally, 26 U.S. Code 6050P ( b ) ( 1 ) clearly mandates that any debt canceled in excess of { {$600.00} } must be reported by the creditor. The cancellation of this debt qualifies under the relevant provisions of the IRC and IRS guidelines. I request that the Form XXXX be issued for the XXXX XXXX XXXX, and that it be sent to my address on record. I also reference IRS XXXX XXXX, which addresses the requirements for reporting canceled debts, including credit card charge-offs. The IRS requires creditors to file Form XXXX in cases where the debt is charged off and exceeds the { {$600.00} } threshold. If there are any exemptions or reasons why this account would not qualify for reporting under the XXXX, I request that you provide written documentation and supporting case law or IRS guidelines. I expect this matter to be resolved within 30 days from the date of this letter, and I request that the completed XXXX form be sent to my address no later than XX/XX/XXXX, in compliance with IRS filing deadlines. Thank you for your prompt attention to this matter. Please confirm the status of my request in writing. Sincerely, XXXX XXXX XXXX
Product: Mortgage

I am selling my house in XXXX XXXX and entered escrow with XXXX and XXXX XXXX. They were working with Wells Fargo to attain their Loan for purchasing my home. They were given and pre-approval letter and then later received a voicemail from their loan officer at wells fargo telling them explicitly that the loan had been approved and the appraisal had been ordered. The appraisal was then completed and both parties then signed a document with a closing date of XXXX XXXX. I then began the process of moving and rented a truck and trailer to take my first load out of state to my new home. While I was in the process of driving this load I got news that Wells Fargo had decided to now put the loan back in underwriting and were not approving it as previously mentioned. Ultimately Wells Fargo decided to change their mind and deny the loan then causing the buyers to cancel escrow. I now have been put out a lot of money and time and not to mention half of my stuff is now stored in another state that I can not go to yet since I have to now go back to the drawing board and try to find a new buyer. 

How is it ok for Wells Fargo to call and leave a voicemail giving verbal approval for a loan, order the appraisal and have both parties move forward with signing closing date documents? I have this voicemail and will attach it to this complaint if possible.
Product: Debt collection

I had called my health XXXX XXXX XXXX to make sure I could use The XXXX XXXX XXXX XXXX XXXX. I called to make sure I was covered and my co pay was maximum savings. I was told by the XXXX representative that I was covered and my co pay would be {$20.00} per XXXX XXXX visit. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX New Jersey XXXX XXXX XXXX XXXX on XX/XX/XXXX by XXXX XXXX XXXX. 
These are the dates of each XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and last visit XX/XX/XXXX. 
At each of these XXXX XXXX  visits I paid a {$20.00} co pay which was requested for me to pay at each XXXX XXXX session at XXXX XXXX which had my XXXX XXXX XXXX in their files. 
Approximately XXXX months after my final XXXX XXXX session I received a {$360.00} bill from the XXXX XXXX in which they claim that my co pay should have been {$50.00} per XXXX XXXX session. After one written appeal and one telephone verbal appeal to " XXXX '' from XXXX were denied. 
These appeals were to XXXX because after speaking on XXXX separate occasions to The XXXX XXXX XXXX department " XXXX '' on XX/XX/XXXX and XX/XX/XXXX and " XXXX '' on XX/XX/XXXX they stated that I was being " Billed Out of Network '' and that according to my insurance I was a " XXXX XXXX  In Network '' customer of XXXX and my co pay would be {$20.00}. 
XXXX refused to pay XXXX  XXXX XXXX the extra {$30.00} per XXXX XXXX session and now XXXX  XXXX XXXX sent me to the XXXX Wyndham Professionals, Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX billing collection agency and I received the bill dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Merchants Acceptance Corporation ( MAC ) regarding CFPB Complaint XX/XX/XXXXXXXX, in which they falsely claimed that Account # XXXX is being reported accurately. In their response, MAC stated that they have confirmed the validity of this debt and will not make any changes to their credit reporting. However, the documentation they provided as validation contradicts their reporting and proves their non-compliance with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681s-2 ). Specifically, MAC is reporting a balance of {$4600.00} to XXXX, {$4700.00} to XXXX and XXXX, while their own documentation states the balance is {$4600.00}. This blatant inconsistency is a clear violation of their duty to report accurate and consistent information to the credit bureaus. Furthermore, this issue was disputed in XX/XX/year>, and despite being made aware of these inaccuracies, MAC continued to furnish false and conflicting credit data, which constitutes willful noncompliance. Under 15 U.S. Code 1681s-2 ( b ), they had a legal obligation to investigate and correct any errors, yet they failed to do so. Their own documents now serve as evidence of their false credit reporting and illegal credit activity. As a result, I am demanding the immediate removal of this account from my credit report with all bureaus. Additionally, I am pursuing litigation against MAC for knowingly reporting false information and filing further complaints with the Federal Trade Commission ( FTC ), State Attorney General, and XX/XX/XXXX ) for deceptive and unfair credit reporting practices. Given the overwhelming evidence of noncompliance, I expect this account to be removed within 30 days to avoid further legal action.
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.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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: Payday loan, title loan, or personal loan

I was denied credit from this service because I didnt have a co signer nor I agreed to any other contract or commitments to this service Ive tried calling but no representative answered phone I have two accounts that show on my XXXX report that not suppose to be there I need both to be removed from my account that is fraudulent. I never received money from this company,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not adequately protect my information which has led to an embarrassingly large data breach that puts myself and at least 150 million others at potentially life-ruining financial risk.
I am extremely disappointed with how Equifax has handled the reporting of this. Very little was done to notify the public in a timely manner - waiting for over a month after the breach was detected. I received no email, letter, nor phone call and instead had to discover it via the media. That is absolutely outrageous.
Product: Credit card or prepaid card

Capital One closed my Saks fifth avenue credit card .Saks Fifth Avenue XXXX XXXX XXXX stating I am still employed and my card is still active and open. On all credit reporting agencies account show closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested credit line increase from Capital One Bank on XXXX 

It was denied. The reason provided in the letter : " Based on your credit lines with Capital One, your credit score isn't high enough for an increase. See the back of this letter for more details. '' Credit score shown : " XXXX Date : XXXX : XXXX XXXX XXXX XXXX The information is out-of-date and/or inaccurate and therefore, Capital One lacked sufficient basis to deny my request. 

My XXXX XXXX score is XXXX, based on a credit report from XXXX XXXX pulled XX/XX/2023. 

My XXXX XXXX score is XXXX, based on a credit report provided by XXXX XXXX XXXX XXXX ), who recently approved an increase in my credit line due to my higher credit score.

Clearly my credit score is high enough but for some reason, Capital One cherry picked the lowest score. It is unusual in light of the credit line increases granted by XXXX XXXX XXXX XXXX XXXX  ) Capital One should take the opportunity to review my request for a credit line increase based on current, not dated information. But when I called, I was not referred to any person who could give me a straight answer.
Product: Mortgage

I have been attempting to get a modification on my home loan since XX/XX/XXXX. I have been given the run around by Chase for the entirety of this process. I have been asked to send entire application packets no less than XXXX times in the process of this modification. I have had several different representatives when in the application process. Now that we are to the final modification documentation, Chase is attempting to collect additional funds that would not have been incurred had they completed their part of the modification process in a timely matter. In addition to the balance of the home, Chase is asking for {$14000.00} in interest, along with other fees, and resetting my loan for a total of {$97000.00}. In addition to the {$14000.00} in interest they are asking for, the funds from my trial modification, {$2100.00}, have not been calculated into the final modification documents. I am also being asked to pay an additional {$330.00} in closing fees for a modification. During this process, Chase has also failed to take the true value of my home into consideration. According to XXXX XXXX, MO tax records, my home is valued at {$85000.00} as of XX/XX/XXXX. I have made many attempts in contacting Chase in regards to these issues, but have only been responded to with " YOUR ESCALATION REQUEST HAS BEEN ANSWERED AND IT HAS BEEN CONFIRMED THAT ALL INFORMATION WAS TRUE AND CORRECT THAT WAS CONTAINED IN THE FINAL MODIFICATION DOCUMENTS. '' I do not feel that they are willing to make a modification that benefits the customer, rather a modification that benefits Chase. 


I do not feel that I should have to pay {$14000.00} in interest, since it is Chase that has dragged their feet in this process. No interest should be charged on top of an interest-bearing loan. 

I should not have to pay closing fees ( {$330.00} ) on a modification of an existing loan. 

The funds that I paid during the trial modification, {$2100.00}. should be applied to the final modification documentation. 

I also feel like Chase needs to include a 3 year home warranty ( the length of time it took for Chase to modify this loan ) if they are choosing to create a new loan instead of modifying an existing loan.
Product: Credit reporting or other personal consumer reports

My XXXX credit report doesnt align with my transUnion This is inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the bureaus showing the letter that where the account was paid in full and it is still reporting charge off on my report.
Product: Credit reporting or other personal consumer reports

Recently I found several issues with the noted credit inquiry ( ies ) and injurious versus me on my credit report that I have NO knowledge of any objectified proof of the required physically verified proof of valid permissible purpose much less demonstrated certified compliance of reporting even to the required XXXX XXXX format reporting standard ( s ), hence my check for descriptively and correctly perfect and lawful reporting and my challenge contesting ANY DEFICIENCY of reporting or PROOF OF MANDATED ASPECTS OF REPORTINGas is my consumer RIGHT TO DEMAND that only PROVABLE certified and COMPLIANT claims report versus me and my RIGHT TO FORCIBLY DEMAND ERADICATION of any claim ( s ) not compete and perfect in its evidence of verifiability, validity and or compliance of reporting. 

I can and will in a court of civil action versus you provide ample document evidence supporting the FACTS of your QUESTIONABLE REPORTING and as well clarity that indeed I followed the exact notification of the law and contacted the Credit Bureaus XXXX XXXX XXXX XXXX and OTHERS in complaint versus and contesting the certified compliance of the validity of these claims of Inquiry ( ies ) and any derogatory debt or delinquencies related, if any at all. 

I ALSO contacted the creditor ( s ) and or data furnisher ( s ) directly checking for compliant reporting evidence and contesting any claim in ANY MANNER as PERFECT CORRECT full PROVABLE VALID COMPLIANT CLAIMS are the MINIMUM REQUIREMENT for lawful reporting ( s ) not an OPTIONAL condition of it. 

Several representatives were not even capable of informing me that the name ( s ) and other personal identifier as listed on the inquiry ( ies ) and associated accounts ( if any ) did not match my submitted exact correct personal identifier strictly as I have included at the top and near bottom of this exact of deficiencies such as issues with name spelling or other identity indicators others could not provide me with any about the application because their firms DID NOT retain the on this inquiry. 

I attempted to contact the three credit reporting agencies to speak with someone about this problem, and the facts that the was either not retained by the creditors or not mine or else wise is significantly invalidly. 

I contacted each CRA and was informed that their records were correct they declined to substantiate the claim and informed me I could file a fraud report If I WISHED! In response, I am firing off this last resort requesting your appropriate actions to resolve this matter XXXX my soon to be filed civil complaint and lawsuit ( s ). 

Since your firm has knowingly violated both federal and state law, I am demanding that you CEASE all reporting activities IMMEDIATELY! Stop at once reporting the debt in question to any and all Credit Report and delete it from my credit report at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint to the credit bureau in order to notify them AGAIN that I was a victim of identity theft. I want to challenge any improper items that are appearing on my credit record, but it looks like the credit bureau could care less. I require the materials to be taken out of my file as soon as possible because this is a flagrant breach of FCRA laws. 
XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Checking or savings account

I arranged a transfer in the amount of {$2400.00} from a personal checking account at XXXX XXXXXXXX XXXX to my Optum XXXX XXXX account on XX/XX/2023. The money was withdrawn from my personal checking account at XXXX XXXXXXXX XXXX  on XX/XX/XXXX. It is not available as of XX/XX/XXXX. I have called Optum Bank on three occasions this week trying to find out when the funds would be available as I need to pay a large hospital bill in timely fashion. If the aount is not available, I can not pay the hospital bill, and I will be assessed damages for late payment. I currenty have spend nearly XXXX hours on the phone with people from Optum Bank. They acknowledge that they took the money from my personal account on XX/XX/XXXX, but can not offer any explanation as to why it is not available.
Product: Credit reporting or other personal consumer reports

To whom it concern, I am writing to formally dispute these fraudulent accounts that are reparation to my credit reports. These accounts are not mine and have been opened without my consent. The accounts include XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. Please delete the above named accounts from the XXXX, XXXX, and Equifax. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

of this unlawful derogatory information from my credit report. 
Violations of : Permissible Purpose : 15 USC 1581b Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) Responsibilities of Furnishers : 15 USC 1681s-2 Experian has unlawfully and illegally reporting derogatory information on my credit report without proper authorization. I have repeatedly informed Experian that I was affected by ID Theft and my information was compromised while in coma in hospital and open-heart XXXX to get an artificial XXXX pump. 
These are not credit transactions initiated by me. Additionally, I will be filing federal complaints against Experian for these unlawful practices because my consumer rights have been violated. I have not authorized them to report any information about me, and their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting such information. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter thoroughly and ensure that this derogatory information is removed from my credit report immediately. XXXX failure to adhere to these legal standards has significantly damaged my credit standing, and I expect immediate corrective action. Illegal accounts are : XXXX : Account Name : XXXX  # XXXX Balance : {$10000.00} Opened : XX/XX/XXXX Issue : Identity Theft Account/Issue : Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX {$840.00} Opened : XX/XX/XXXX Issue : Identity Theft Account/Issue : Account Name : XXXX # XXXX Balance : {$1900.00} Opened : XX/XX/XXXX Issue : Identity Theft Account/Issue : Account Name : XXXX  XXXX  XXXX # ** Balance : {$2000.00} Opened : XX/XX/XXXX XXXX XXXX Identity Theft Account/Issue : Account Name : XXXX XXXX # XXXX Balance : {$850.00} Opened : XX/XX/XXXX Issue : Identity Theft This failure to provide adequate proof of the alleged debt is a violation of my rights under federal law. I requested to provide verifiable proof of this debt and clarification of how these alleged unauthorized accounts were verified, I have not received anything. This raise concerns about their compliance with legal requirements. In accordance with the Fair Credit Reporting Act ( FCRA ), I have not given them the authority to access or report any information related to me. Their actions are in violation of the FCRAs requirement for a permissible purpose in reporting credit information. Again, I will be filing complaints at federal levels to address these violations and then seeking a lawyer. I have given Experian a fair opportunity to clear this up, however I am still being harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX received by certified mail, an ftc report, police report and affidavit of truth advising them of instructions on what to report as well as remove from my credit report. They have failed to follow my written instructions. 
On XXXX XXXX, XXXX Experian disputed department received by certified mail my ftc report, police report as well as an affidavit of truth as well as a statement of violations. They were given written Instructions on what to report/remove from my consumer report. All 3 bureaus was sent all of the corresponding information. Everything that needed to be notarized was so.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE XXXX  XXXX  XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.