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

XXXX, XXXX, and TRANSUNION are in violation of my consumer rights by reporting several charge offs that are over the amount of {$600.00}. These debts are now lawfully classified as Certificates of Indebtedness which makes this income to me. Income is to not be reported and is a violation of my privacy pursuant to the Privacy ACT of 1974. 

In its broadest sense, a 1099-C is an information tax return that banks, credit unions and other commercial lenders must provide debtors after an identifiable event causes the creditor to have to discharge an indebtedness of at least {$600.00}. The identifiable events that require a creditor to issue a 1099-C include any discharge, cancellation or extinguishment of a debt that occurs by reason of ( A ) bankruptcy ; ( B ) receivership, foreclosure, or similar proceeding ; ( C ) the expiration of the statute of limitations for collection of the debt ; ( D ) the election of foreclosure remedies by a creditor ; ( E ) pursuant to a probate or similar proceeding ; ( F ) a settlement for less than the full amount owed; or ( G ) the application of a defined policy of the creditor, to discontinue collection activity and discharge debt. See XXXX. XXXX. XXXX ( b ) ( XXXX ) ( i ). 

Lenders that charge off a debt trigger issuance of the 1099-C when their defined policy leads the lender to discontinue collection activity and discharge a debt. A lenders defined policy includes both written policies and established business practices. See XXXX. XXXX. XXXX ( b ) ( 2 ) ( iii ). An example of an established business practice includes discontinuing collection activity and abandoning debts upon expiration of a particular non-payment period. Id. 

They are unlawfully reporting the following accounts : XXXX XXXX- {$1500.00} - XXXX XXXX  - {$6200.00} -XXXX XXXX XXXX- {$3400.00} All of these amounts are clearly over {$600.00}. 

Pursuant to the laws outlined in the FCRA XXXX, XXXX, and TRANSUNION are supposed to validate and verify that all information is 100 % correct before reporting any information on my consumer report.
Product: Mortgage

In XXXX of 2020 we entered into a forebearance that was offered by my mortgage servicer. It was explained in documents and their website that the amounts that would not be paid would be added to the end of the current mortgage. As the end of the forbearance period ended the company stated that we would have to complete a loan modification but what was previously stated. Not understanding that they were not abiding by the Cares Act and fearing that we would lose our home we completed the load modification. After completing this I discussed what options we had moving forward and was told that we could refinance after making 3 months of our payments post modification. We made the payments and then proceeded with a refinance as we thought this was our best option to help us financially. 

This series of events has helped put us in great financial hardship and stress. I believe that Rocket Mortgage knowingly and deceptively forced customers into this trap.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as lat
e and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Student loan

I set up a payment plan with LTD Financial Services to pay off XXXX of my XXXX private loans. We set up a 3 month payment schedule and upon confirming the plan I asked to not be contacted at my place of employment as it is prohibited. Upon the expiration of my initial payment plan, XXXX XXXX contacted my place of employment against my expressed wishes not to contacted. In fear of losing my job, I looked into whether or not they are allowed to contact my place of employment, under the Fair Debt Collection Practices Act she was only allowed to contact my job once, she has violated that. Upon further investigation LTD Financial Services have been sued previous for this same type of behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

Great, here is the revised letter with the information added : Dear Equifax, XXXX, and XXXX I am writing to dispute the account information related to my XXXX account, as it contains inaccuracies and discrepancies. The information provided by your credit reporting agency regarding this account does not accurately reflect the payment history and status. I request a thorough investigation and correction of the following discrepancies. 

XXXX : According to XXXX 's report, there are six potentially negative months associated with the XXXX account. The account is shown as closed, with a charge-off status and a balance of {$0.00}. The report indicates multiple past-due amounts, including 30, 60, 90, 120, and 150 days. However, the data regarding past due 150 days is unavailable. The status is listed as closed with a {$310.00} write-off. The last payment date is reported as XX/XX/XXXX, which contradicts the reported charge-off status. This discrepancy requires investigation and clarification. Additionally, I would like to add that the first payment date was in XX/XX/XXXX, and all payments were made until XX/XX/XXXX. There was a XXXX late payment in XX/XX/XXXX and XXXX full payments in the following months, except in XX/XX/XXXX, when there was a XXXX late payment. After XX/XX/XXXX, all payments were late, leading up to a 150-day late payment in XX/XX/XXXX and a charge-off status in XX/XX/XXXX. 

Equifax : Equifax 's report for the XXXX XXXX XXXX account indicates one late payment in XX/XX/XXXX. The account is shown as closed with a charge-off status and a balance of {$0.00}. The status was updated in XX/XX/XXXX. However, the report does not provide information on the highest balance. The discrepancy between the reported late payment and the charge-off status requires investigation to ensure accurate reporting. Additionally, I would like to add that the first payment date was in XX/XX/XXXX, and all payments were made until XX/XX/XXXX. 

XXXX : XXXX 's report for the XXXX account shows a closed account with a charge-off status and a balance of {$0.00}. The account type is listed as a revolving account, and there is no payment history available to display. The status was updated in XX/XX/XXXX, and the highest balance is reported as {$2000.00}. However, the discrepancy lies in the absence of payment history and the charge-off status, which needs to be resolved. Additionally, I would like to add that the first payment date was in XX/XX/XXXX, and all payments were made until XX/XX/XXXX. 

I kindly request that you conduct a comprehensive investigation into these discrepancies and rectify the inaccurate information on my credit reports accordingly. Please provide me with a written confirmation of the investigation results and any corrections made to the account information. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

On XX/XX/2020, I contacted XXXX at XXXX regarding a financial hardship I was presently experiencing, NOT RELATED TO COVID-19, and made them aware that my XXXX payment will be late. They documented same and immediately begin harassing phone calls and emails regarding my payment delinquency. Although, I made my XXXX payment as soon as I could ( XX/XX/2020, when I received my pension check ) ; they threatened me that if I did NOT make my XXXX payment before XX/XX/XXXX, they will submit to credit bureaus, derogatory remarks/delinquent/etc. and they did causing my credit score to be reduced by " 50 POINTS ''!!!!! As I had been working so hard and so diligently to get my credit back on track after bouncing back from Chapter XXXX bankruptcy ; this really hurt me and my continued efforts to strive to increase my credit and get back on track. When I called on yesterday, XX/XX/2020 and spoke with a supervisor at XXXX, she admitted to be aware of the conversation regarding my hardship ; however, she stated that " unfortunately because my payment was more than 30 days late '', there was nothing to XXXX could do. Please note that I was one ( 1 ) payment late and this should not have caused this HUGE reduction in my credit score. Thank you so much for your time and consideration. 

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

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX : {$520.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The personal information on my report is wrong. The only personal information that should be on there is my name and current address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Please delete all names and addresses that are not the ones I just listed. Any phone numbers and jobs need to be deleted as well as they are all wrong.
Product: Debt collection

Hello. I recently started receiving wage garnishments from my job from Midland Credit Management. Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXXXXXX, XXXX MI XXXX. They said I had a XXXX XXXX credit card balance that is now in collection. Apparently this is from XXXX. I never had a XXXX XXXX credit ... nor does any of this appear on my credit report. The also said this matter went to court and a judgement was placed against me in XXXX. I was never served any court papers, therefor never went to court on this case. I had no idea there was a court case, judgement against me. 

I also called the courts and they said this is such an old case and there is not much I can do, but hire an attorney. I don't have money to hire legal aid.
Product: Student loan

I am writing to file a formal complaint regarding my federal student loans, originally serviced by XXXX and now transferred to Mohela. Navients practices may have violated consumer protection laws and regulations, and I am seeking assistance in obtaining relief under recent settlements. 

Relevant Background : XX/XX/XXXX State Attorneys General Settlement : XXXX agreed to a {$1.00} XXXX settlement with XXXX state Attorneys General, addressing allegations of predatory lending practices and forgiving private loans held by XXXX, many of which were in default. 

XX/XX/XXXX CFPB XXXXettlement : XXXX reached a settlement with the CFPB for {$120.00} XXXX to address unfair practices involving federal student loans. 

I may be eligible for relief under the Consumer Financial Protection Act ( CFPA ), which prohibits unfair, deceptive, or abusive acts or practices. Navients alleged predatory practices, including issuing private loans to borrowers attending schools with low graduation rates and limited job prospects, mirror my experience
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax the following : Re : XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX Alleged Original Creditor : XXXX  XXXX XXXX XXXX Alleged Account Number : # - XXXX Alleged Debt Amount or Balance : {$3000.00} Dear Equifax : On XX/XX/XXXX, as evidenced by a certified mail return receipt, you received a letter from me disputing an alleged debt owed to XXXX XXXX XXXX XXXX a debt collector. In said letter, I requested physical verification of the original signed consumer contract. You failed to provide any verification, specifically physical verification of the debt ( original signed consumer contract. In response to my request, you sent a letter alleging you verified the debt. In addition, you updated the account of alleged debt owed. You allege this unverified debt was reported to you XX/XX/XXXX. According to the credit file in my possession, the alleged debt was reported to you in XX/XX/XXXX. In addition, according to the credit file in my possession, the account number of the alleged debt ends in XXXX. In the response to my debt validation request, you allege the account number ends in XXXX. I have not received validation of the debt from you or the debt collector. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my Signature on it ) you have on file of the account listed above. Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed above. You are hereby notified that I have filed a complaint with the Consumer Financial Protection Bureau and civil claims may be pursued.
Product: Checking or savings account

I bank with Bank of America. There are two transactions made on my account without my authorization. On XX/XX/XXXX {$420.00} and XX/XX/XXXX {$450.00} at a United States Post Office. I submitted a fraud claim with BOFAXX/XX/XXXX I also filed a police report on XX/XX/XXXX case number # XXXX. Later I was contacted by detective XXXX XXXX that since the purchase 's were made at a Government agency he could no longer assist me. He would forward this to the USPS inspector. BOFA gave me a provisional credit of {$870.00} on XX/XX/XXXX. However, on Friday XX/XX/XXXX I was informed they are unable to pay and all credit 's given to me would be withdrawn from my account on XX/XX/XXXX. I was told by the bank that my card and pin number was used for both purchases. I gave them the police report number and told them I can prove I was at work ( time card/human resources ) at the time and date of transactions. I initially asked to retrieve video because it was at a Government facility. I called the bank again this morning XXXX I was given the reason of denial to be " after reviewing a pattern of my account this did not fit to be a fraudulent purchase ''. I'm at an utter shock after I told them I have proof that I was at work, I filed a police report so I can press charges and asked them to pull video. After all that it was still denied! It may not seem like a lot, but {$870.00} is a lot of money to lose. This has caused a major stress. Please help me.
Product: Credit card or prepaid card

On XX/XX/2021, I purchased some shirts from an online store that shipped from XXXX and received the wrong items on XX/XX/2021. 

After several emails back and forth with the merchant ( between between XX/XX/XXXX and XX/XX/XXXX ), the XXXX insisted that I pay for shipping the wrong items back to XXXX. 

I filed a dispute twice with Capital One on XX/XX/XXXX and received a refund. When the refund was reversed on on XX/XX/XXXX. I filed another dispute on XX/XX/XXXX, this time, included pictures of these items ( comparing what I got with what I ordered XXXX, emails correspondence and a receipt as supporting evidence for my case. The refund was issued on XX/XX/XXXX and once again reversed on XX/XX/XXXX. 

Capital One is now asking me to go through the dispute process again for the third time. The agent I spoke with at Capital One could not tell me why a third dispute would produce a different result than the first two times and simply told me I would need to call back to speak with a supervisor. 

Basically, if will not pay return shipping after getting the wrong ( or bad quality ) items, Capital One can not help you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday, XX/XX/2019 was checking my credit score on XXXX XXXX  before leaving for work as i have been working hard over last couple years to get my credit score as high / in good standings as possible as i can. found that my score had dropped 7 points over night, due to the fact that We Energies the Electric Utilities provider whom services my area had removed themselves from reporting to trans union credit report. i was lead to We Energies from Trans union, We Energies Personnel began to explain that this was not the problem of WE Energies. they only changed how they billed customer and stopped/removed reporting to Trans union and other credit companies, how they they translate that information and put on credit reports is each persons individuals customers/ persons PROBLEM. This was completely shocking to me as i have been paying my bill 's on time if not early most months over the last couple of years with We Energies. ( not like a cell phone customer can just switch to a different provider after this type of treatment & and filing a complaint. we customers still have use them for our utilities, like getting abused but can't leave the abuser. ) ( WOW ) now they are more then willing to use mine and ten 's of thousands of their customers Credit scores to reduce their costs in billing, by just doing this way of removing reporting to credit companies reporting no big deal i think was the term /statement they used. ( SHOULD NOT WE ENERGIES HAVE TO MAKE THESE TYPE OF CHANGES TOTALLY AT AND ONLY AT THEIR EXPENSE NOT THEIR CUSTOMER 'S SEEM 'S TO BE IF EVEN A TRUE TERM MALPRACTICE OF BUSINESS IN MY OPINION ) To me it is completely logical for a company to reduce operation cost, however i don't believe i have ever heard that using their customers credit ratings was and except able way of doing this.in my opinion it feels like they have stolen part of their customer credit scores to reduce their billing cost. I have a question i heard that credit companies only make money on negative credit score reporting if that is true? then i'm really shocked, because i'm sure We Energies attorneys/accounting managers knowing that. doing this must have weight that as a choice factor, before deciding to just choose to take this route of make change to how they would stop reporting information to credit companies. as a risk of back lash even if not illegal just unethical. to be worth the saving to the hurt even possibly damage credit of ( people and families ) customers to be worth their $ $ savings more important!
Product: Credit reporting or other personal consumer reports

I am writing to report that I am a victim of a data breach resulting in identity theft. I am formally requesting that the following accounts and inquiries be blocked and deleted from my credit report in accordance with XXXX USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$86.00} Inquiries to Be Removed : 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, credit repair services, or other personal consumer reports

I reviewed my Consumers Reports and notice that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX  account # XXXX XXXX XXXXccount # XXXX Please investigate and provide Proof with statements showing that these payments were late. if proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 

Thanks