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

Creditor Name : XXXX Creditor Address : XXXX XXXX XXXX, XXXX XXXX MN XXXX Dear XXXX, I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your XXXXmpany on my credit report. The details ofthe account are as follows : Account Number : XXXX Date of Charge-Off : XXXX Amount Charged Off : {$1800.00} I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps, I need to take to facilitate this process, kindly let me know. 

Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit card

This incident caused year XXXX month of XXXX. previously known as XXXX, and all suddenly Changed to CITIZEN BANK. that the time i became a victum on this fraudulent act. i have been reported to Citizen Bank in many times. they accepted and acknowledged. my local Branch assist me every aspect. and report to fraudulent dept. and other divisions. but nothing has been changed. unfortunately this incident crushed my credit score and that effect my life very badly. I have a XXXX daughters to support their College education. i was trying to refinance my house and assist them for higher education. but unfortunately i am stuck now been a victum of this fraudulent act. 
The amount of {$7400.00} is made up for fraudulent charges that i did not make. i am requesting this charge to be removed. my credit report show that the charges are still impacting my credit.
Product: Credit reporting or other personal consumer reports

To remove this account based off the FCRA and consumer law of 15 USC 1681
Product: Debt collection

XXXX, XXXX  AND XXXX ARE REPORTING NEGATIVE ACCOUNTS ON MY REPORTS THAT ARE NOT MINE. THIS ACCOUNTS. 
XXXX XXXX XXXX, XXXX  XXXX XXXX AND XXXX XXXX XXXX WERE REMOVED AND PLACED BACK ON MY REPORTS WITHOUT MY KNOWLEDGE, PERMISSION, APPROVAL OR NOTIFICATION. 


NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received results for dispute # XXXX on XX/XX/XXXX. In that dispute I provided Experian with clear evidence from the Creditor, XXXX XXXX XXXX, that my XX/XX/XXXX mortgage payment was NOT 30 days late as it was being reported. The payment was made on XX/XX/XXXX which is reflected on the statement they were given. This is clearly not late by 30 days. Despite this evidence, Experian closed the dispute without fixing their mistake. XXXX XXXX XXXX  is aware of this issue but blames Experian. They state they are NOT reporting my account late for the month in question. This is costing me the ability to get a mortgage and neither company should be allowed to be so negligent with their reporting. Ive now had to submit a new dispute today and wait to see if they will actually correct their mistake in 30 days or if I will not be able to buy a home until XXXX because of their carelessness.
Product: Prepaid card

On XX/XX/year> I went to Delaware XXXX XXXX to take money out of the ATM off of my Revolut Card and the transaction was declined/cancelled. However, the money was still taken out of my Revolut account off my card plus it deducted {$6.00} ATM fees and an additional fee of {$2.00}. So either the ATM or Revolut has taken {$100.00} from me and I want my money back it was never received out of the atm and the Casino worker who handles the ATM confirmed that the transaction for their ATM was transaction XXXX and that transaction appeared declined on their end.
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to express my deep concern and frustration regarding the presence of fraudulent items on my account. Despite numerous attempts to address this issue, I have not seen any meaningful progress in removing these fraudulent items from my account. 

As a loyal customer, I trust your company to maintain the integrity and security of my account. However, the presence of fraudulent items not only undermines this trust but also poses a significant risk to my financial well-being. 

I have taken all necessary steps to report these fraudulent items, providing detailed information and supporting evidence. However, the lack of action on your part to promptly investigate and remove these items is unacceptable. 

I urge you to prioritize the immediate removal of these fraudulent items from my account and to conduct a thorough investigation into the source of these fraudulent activities. Additionally, I request regular updates on the status of my complaint and the actions being taken to address this issue. 

Failure to resolve this matter promptly will force me to explore other options to protect my account and financial interests. I trust that you understand the urgency of this matter and will take immediate action to rectify the situation. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX 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
Product: Credit reporting or other personal consumer reports

Upon reviewing my Equifax credit report, I discovered several fraudulent accounts and unauthorized hard inquiries. I am a victim of identity theft, and these items were added to my report without my consent. 

The following fraudulent accounts appear on my Equifax report : XXXX XXXX XXXX ( Account # XXXX ) - Opened XX/XX/XXXX XXXX XXXX XXXX ( Account # XXXX ) - Opened XX/XX/XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX ) - Opened XX/XX/XXXX XX/XX/XXXX ( Account # XXXX ) - Opened XX/XX/XXXX XX/XX/XXXX ( Account # XXXX ) - Opened XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ( Account # XXXX ) - Opened XX/XX/XXXX XXXX XXXX ( Account # XXXX ) - Opened XX/XX/XXXX Additionally, my Equifax report contains the following unauthorized hard inquiries : XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXXXX/XX/XXXX XXXX XXXX I never applied for these accounts or authorized these inquiries. This identity theft has caused my credit score to drop significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX Balance Owed : {$1000.00} Medical XXXX Balance Owed : {$750.00} Medical XXXX Balance Owed : {$680.00} Medical XXXX Balance Owed : {$680.00} Medical XXXX Balance Owed : {$680.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

This is in response to case number XXXX. I placed a complaint against Bank of America, and just got a summary of research from Bank of America. Am I really to expect that BOA would honestly and without prejudice conduct pure research into my complaint against them? Is there not an independent omsbudsman or review panel to investigate claims? In my original claim, I specifically stated that my case was mismanaged, and yet, the word " mismanage '' did not occur anywhere in the summary of their findings. Therefore, I argue that they had bias in conducting this research because of the omission of this claim. Furthermore, XXXX XXXX stated repeatedly how Bank of America wants customers " to be pleased '' with their service. Again, if this research was carried out independently, this is a statement that should not be made. XXXX XXXX stated that BOA was grateful for me paying off the loan in full, which is ironic because during the payout process, BOA " advisers '' suggested I should in fact do a short sale if I could not bring the full amount I owed to the closing. The simple fact that I am sking for {$5000.00} in forgiveness towards INTEREST - not principle mind you, but INTEREST - and BOA will not concede is frightening. {$5000.00} is less than XXXX XXXX of the BOA CEO 's paycheck. So BOA thanks me for saving them money by not conducting a short sale, but can not do any more than verbally acknowledge this point. 
In summary - I disagree with allowing BOA to conduct their own investigation as this is not impartial. They missed many facts including the main one that BOA mismanaged my account and summarily dismissed any short sale assistance because of incompetence by their agents.
Product: Payday loan, title loan, personal loan, or advance loan

Client of the for bankrupt XXXX XXXX in XXXX of 2022. They sold me a solar powered system that was full of lies and deceit. Does not save money and sold a warranty that can not be used because the company is bankrupt and yet Im still paying for it all. I believe the loan company was aware of all of this and went a long with the process because they sold my loan to XXXX XXXX.
Product: Student loan

I applied for loan payments to direct deposit in XXXX of XXXX with the expectation that direct deposit would start in XXXX as per Edfinancials website. At the end of XXXX XXXX I found that Edfinancial had never started direct deposit and I was XXXX loan payments behind, and technically 2 months late in payments. I called Edfinancial at the end of XXXX, a representative confirmed that they had record of me applying for direct deposit in XXXX of XXXX and proceeded to inform me that there was a delay in acceptance of direct deposit applications. At no point in time was I notified of this delay, or the possibility that I would have to manually pay my loan every month. At that point in time, I had to pay XXXX unexpected extra loan payments in addition to XXXX payment due to Edfinancials negligence, which I could not reasonably afford. When discussing the problem with an Edfinancial representative they assured me that my application would be approved by the time my next payment was due in XXXX, and upon my next due date I found that my direct deposit was again never put into effect. I feel that this problem is at the very least negligence, if not a deliberate attempt to gain extra interest and late fees from borrowers.
Product: Credit reporting or other personal consumer reports

I have submitted disputes for XXXX XXXX  credit card that has been closed and charged off 7 years ago. The last payment activity was in XX/XX/XXXX. However, this company has not once provided me any proof of owing the money, besides when I asked for balance history and dates, they have not provided anything. Instead they continue to report that the balance is owed every month and they have re-aged the account started XX/XX/XXXX which is against the regulations of FCRA and this has caused my credit score to drop. I have sent them multiple notices to no avail. They are unavailable via phone or fax. They have only a XXXX XXXX XXXX to contact and it is super difficult to get in touch with anyone at this fraudulent company. They give trouble to all their customers as can be seen in every XXXX review out there. I have sent them notices via all 3 credit agencies and get no response, instead they update the file and dates and keep reporting the wrong information. They are beyond the age of the debt in the state of NY and need to remove it immediately.
Product: Checking or savings account

In XXXX XXXX a few days before the XXXX I received a letter from Ally Bank. This letter stated that they were closing my account. The only reason given was the Deposit Agreement clause referenced. That clause stated that they could close your account at any time for any reason. With my son 's help we called them after a lengthy wait time and hold times they said it was being closed and referenced the letter. My son talked to a supervisor who tried to open a new account for me and was unable to. 
That same day with my son 's help I got a new bank account open with another company and switched my Direct Deposit with Social Security to the new account for XXXX leaving my XXXX Social Security check in question On XX/XX/XXXX I logged into their app and saw my Savings account was closed but my Checking was not and had my XXXX Social Security check in it. I tried to do a XXXX transfer of the money and it required a verification call. With my son 's help we called them got through the verification and the transfer failed. The Customer Service representative took a look and said the Department that could help with thar would not be till Monday. 
Monday XX/XX/XXXX my son and myself called and the XXXX transferred us to Loss Prevention. He said the restriction on the account could not be removed by him but can be by Customer Service si he transferred us to the general Customer Service queue. The wait time was almost an hour and since we had been on the phone for over XXXX hour and we had to leave we hung up. 
On Tuesday XX/XX/XXXX me and my Son called back to try and get my money after 2 disconnect and almost 2 hours all they said is referenced back to the letter and said a check would be mailed but they couldn't say when the check would be mailed. 

So as of today Tuesday XX/XX/XXXX they still have XXXX of my money and I have no idea if and when I will get my money.
Product: Debt collection

I never received a letter stating I owed XXXX $ to XXXX XXXX. The total in collections is {$940.00}. I tried calling Harris & Harris and they state they mailed out the medical bills I never received.
Product: Checking or savings account

Pen Federal Credit Union trustees retaliated against me for reporting their discriminatory actions to CFPB. Notice to agent is notice to principal, notice to principal is notice to agent. 


She reached out to tell me that she has restricted my account access. I have not been able to access my funds or any account functions. This goes against my consumer protections and rights. I also have a right to know the exact reason why my account is re I have a right to privacy and beforehand you all were supposed to disclose to me the use of my securities. 

You did not allow me to exercise my right to opt out of having my consumer reports pulled to open an account and why was I denied an account. They did not provide a clear answer to this. It is clear that this is discrimination, Banks get their funds from consumers via our securities. So, Why would you use a credit reporting agencies who doesn't know anything about me to discriminate against my rights, titles and interest. The law must provide remedy. I am the holder of the security here not XXXX, XXXX or any other consumer reporting agencies. Why are you putting a third party in our private matters? If your policy is to discriminate make that very clear in words because this is clear right now. Why is your bank violating consumers right to privacy when we are creating the relationship with your bank? This is not right and I am very upset. 
See 15 U.S. Code 6801 - Protection of nonpublic personal information My security secured this account not any credit reporting agencies that house information from third parties. I have a right to credit in which you are treating it as if it's a privilege that came from you when I am the holder and investor and source where it derived from. You denied my person XXXX XXXX XXXX a checking account knowingly that I am the holder of this security. 15 U.S. Code 1691c2, Equal Credit Opportunity Act, The Dodd-Frank Act 15 U.S. Code 78c - Definitions and application ( ii ) Trust activities.The bank effects transactions in a trustee capacity, or effects transactions in a fiduciary capacity in its trust department or other department that is regularly examined by bank examiners for compliance with fiduciary principles and standards
Product: Credit card or prepaid card

Please see enclosed letters of dispute and requests for validation received via USPS certified mail, signature required, by Capital One Bank on XX/XX/2020, concerning my Capital One Walmart credit card account # XXXX. 

I am submitting this formal complaint to the Consumer Financial Protection Bureau for investigation of violations of The Federal Deposit Insurance Corporation Law, Regulations, and Related Acts, sections 161 ( b ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( c ) and ( e ), 162 ( a ), 163 ( a ), 127 ( b ) ( 2 ) ( B ), 127 ( b ) ( 10 ), 127 ( b ) ( 12 ) ( A ), 127 ( i ) ( 2 ), 127 ( j ) ( A ) and ( B ), 127 ( o ) ( 2 ), The Fair Credit Reporting Act sections 1681, 623 ( a ) and 623 ( b ), and The Fair Debt Collection Practices Act sections 807 ( 2 ) ( A ), 807 ( 5 ), 807 ( 8 ), 807 ( 10 ), and 808 ( 1 ) by Capital One Bank concerning derogatory remarks Capital One illegally caused to appear on my credit reports and my Capital One billing statement and has refused to remove.
Product: Student loan

I consolidated my loans through XXXX in XXXX of XXXX in order to qualify for XXXX. My employer and employment dates were verified - I had a qualifying employer- and I have been working for them since XXXX. So at THAT time I qualified for forgiveness. Yet they only started counting my loans as of XXXX ( a very random date as nothing changed with me, I made no changes to this loan then ). I have made many phone calls over the past 2+ years and filed several complaints. My complaints were closed without reasoning behind why nothing was done, and when I actually spoke to someone I was told yes, I qualified for forgiveness now, and to be patient while they were still counting, and that they will catch up and count the payments made from XXXX. This STILL has not occurred and my forbearance was cancelled. I believe that I more than qualify for forgiveness and have not been explained why thus hasn't happened yet/why so many payments have not yet been counted. My info on Ed Financial does not reveal why so many payments have yet to be counted.
Product: Credit card

CTI has not honored the terms of their agreement, please see attachment.

I has been more than 7 business days since their letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX TX XXXX is showing up on all 3 of my credit bureau reports and I have not recollection of this account. I have disputed this with the creditor and the credit bureau 's and nothing has been done on the accounts. XXXX, XXXX, or Transunion has furnished the information that I requested to proved and validate that this debt belongs to be. All the furnished was a statement stating that the verified it was my account and when i asked for the documents showing that this is my account the have not yet provided this information to me. The are reporting two accounts one as paid and closed and one as charged off. This information is incorrect and not true.
Product: Credit card or prepaid card

XXXX XXXX, XXXX XXXX, XXXX, Victoria Secret, all during COVID did I have trouble paying, I was in XXXX XXXX XXXX
Product: Credit reporting

My friend was helping me by co-signing for my residential rental. She obtained both our credit reports from Experian online as a requirement of the rental application. Online it says you will be charged {$1.00} for each report. I thought I was only paying {$1.00}. Then they started charging her credit card ( she paid for me ) monthly for ongoing monitoring that I was unaware we was signing up for. Unfortunately I did not notice right away. It was {$21.00} a month. I called Experian and they said in fine print when you order your {$1.00} credit report you are automatically signed up for monthly monitoring for your lifetime unless you cancel within 7 days. My friend did n't see/notice this fine print. I looked online at XXXX to see if others have this problem. They have XXXX star and XXXX reviews and almost every review says that the customer was fooled into paying for this monthly monitoring service without knowing. My friend has now been billed for this monthly fee for 4 months starting in XXXX. Experian refused to refund the money.
Product: Mortgage

Rushmore declared that is a loan servicer and not the owner of the loan. Therefore not a real party of interest : it can only collect the money and pass to the owner. Also, do not have the right to enforce the loan Please refer to US Code Title 12, Part 226- Truth in Lending.

It defines who a lender is, and what the rights of service are. Specifically, it refers to 226 ( a ) 1 that a servicer is not treated as the owner of the obligation
Product: Mortgage

My wife and I fell behind on mortgage payments with XXXX. We started a modification process, however XXXX sold our loan to BSI Financial. BSI was not going to process our modification, however we filed a complaint about them with this bureau and BSI promptly contacted us and began our modification. 
Now, BSI approved us for a modification. I am just very dissatisfied with the modification because according to BSI they can not provide us with a better solution than a ARM because that is what we originally had with XXXX. My question to them was, then why the modification if they were not going to provide a better option. So, now we are looking to see if this is legal and/or is it true that a new lender can not provide a better mortgage solution through a modification? If so, where may I get further information on that? 
All we want is to be able to afford our home and retain our home.