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

Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information. 

The account in question is as follows : Account Name : XXXXXXXX XXXX XXXX Date Listed : XXXXXXXX XXXX XXXX The balance currently being reported is inaccurate and potentially unlawful. XXXXXXXX XXXX XXXX XXXXXXXX XXXX Bank, the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code XXXX defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt. 

If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible.

Provision of the 1099-C Form : If issued, provide a copy to verify the identifiable event. 
Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act. 

Attached, you will find [ list of supporting documents ]. Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX
Product: Bank account or service

I am stating my upmost disgust for American Express Bank FSB. 
This company is ran by crooks and should be shut down. I recently had my Savings account closed for reasons unknown to me. I called and asked why, but they refused to tell me why my account was closed. I asked them what would happen to my XXXX dollars I had in the account, for which they also refused to give me an answer. This company has a plan to steal peoples hard earned money and they are getting away with it. I dont know what to do about my money but people need to be aware of American express savings shady business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

i see inquiries on my credit that arent mine
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed 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 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 had a previous acct with Conns ... with my payment being due the XXXX of each month. I went into the store early XXXX to add to the account. The Salesman said the old account would be paid off and a new acct opened. He told me to not make the XX/XX/XXXX payment as my new payment for the new loan would be due XX/XX/XXXX. I took his word as i have done this before with a prior loan and everything went ok. Within the 2 weeks after i made the new purchase i rec 'd my coupon book showing my new payment and new due date. However, i started receiving emails that my payment for my old acct was delinquent. I immediately called Conns and disputed. My acct was in review to be closed out. Fast forward to today XX/XX/XXXX, Conns has reported me late and my scores have dropped 100 points ... 2 Conns accounts show open on my Credit report which has is double what i owe them and shows any new creditors that i have too much owed. I have repeatedly called Conns to have the old acct closed out. I just looked at my acct ( old ) on their website, and it shows i have 3 payments due, and it appears they might report me 60 days late. This has been very stressful for me as I am cleaning up my credit and have worked hard to pay my accounts on time..I had 100 % good payment reporting and now i have an unfair delinquency showing up onXX/XX/XXXXand XX/XX/XXXXXXXX I have disputed but i am impatient. I want to buy a new vehicle but with my now XXXX XXXX XXXX no one will touch me ... I need the old acct paid off and the delinquency reversed on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, My name is XXXX XXXX, This complaint is in regards to the practices and credit algorithms implied by Equifax Credit Reporting Agency. I have been diligently working to improve my credit worthiness over the past 2 years. I have been monitoring my credit scores and activity through all 3 credit bureaus reporting agencies. 

On XX/XX/2020 my Equifax credit scores was XXXX. During that time I was recommended to dispute derogatory and closed account information. Also I made improvements of paying off 5-6 collections XXXX XXXX XXXX XXXX XXXX XXXX, which the company removed the collections from my credit report after payment. Equifax did not increase my score based of this change. The other reporting agencies increase my score ( XXXX and XXXX ). 

During XXXX, I also improved my credit utilization from 25 % to 0 % and removed 1 derogatory / closed account from XXXX XXXX in Michigan. I was anticipating a credit increase, However, unknown and without case, Equifax decreased my score on XX/XX/2020 from XXXX to XXXX ( 35 pt decrease ). I contacted Equifax with intent to gain a understand and to be given a legitimate reasoning to why my score dropped. They were unable to provide cause to why my score decreased. I have expectational payment history and low utilization. Normally, a removal of a closed/derogatory account would be consider a positive action, unfortunately is resulted a negative output. 

I'm concerned that the Equifax is using unfair algorithms and credit practices to determine consumer credit worthiness. In comparison to My fianc Equifax credit report ; he has no credit history ; with 5-6 collections and his score is XXXX. 

I'm extremely frustrated that Equifax was unable to provide reason to the negative change in my credit worthiness. 

Your support and direction is greatly appreciated.
Product: Consumer Loan

Reporting on my credit report when ex wife took over the debt in divorce decree. Needs removed from my credit report as it is not my debt.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Charge Off - TransUnion XXXX XXXX - Account # : XXXX - Balance : {$55.00} XXXX XXXX - Account # : XXXX - Balance : {$180.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.
Product: Mortgage

We received a letter in the mail from XXXX XXXX XXXX, XXXX/LoanCare dated XX/XX/XXXX. 
It stated that " FHA has recently announced new options for customers ' existing forbearance '', they had listed FHA COVID-19 partial claim and COVID-19 Loan Modification. It stated " These options do not require that you submit documentation for review, but we must speak with you first to begin the review process ''. On  XX/XX/XXXX, we called XXXX XXXX XXXX, XXXX/LoanCare at XXXX, to speak with them to apply, My husband talked to the representative and applied for the FHA COVID-19 Loan Modification, this required no paperwork the representative just needed to ask a set of questions. We answered these with the rep, then the rep said that is all they needed and that it needed to be reviewed by next department and then we would find out if approved  or not. Per the letter, approval of the FHA COVID-19 Loan Modification could take up to 10 days, but could be less. We heard back from no one for a week. We called back XXXX XXXX XXXX, XXXX/LoanCare at XXXX on XX/XX/XXXX. 14 days after it was submitted, this was overdue in the 10 days or less they said it should take. This day they transferred our call to the Loss Mitigation Department. The Representative in the Loss Mitigation Department told us that the notes in her computer say it was started but not completed so she completed it while we were on the phone, and put n a request to Loss Mitigation area that reviews to check our request. Then we heard nothing. Today, XX/XX/XXXX, we called XXXX XXXX XXXX, XXXX/LoanCare at XXXX. Got transferred to the Loss Mitigation Department. The representative that answered said that we have no application started and we needed to file that out and submit paperwork. We told her that we didn't need to do that as we have already been through the steps per the letter and we want to know when the approval is going to be  done. It should have been done 10 days after XX/XX/XXXX, we are now going on 24 days with hearing nothing. The representative was not very professional she got louder and she just kept saying that we need to apply and we have done nothing to try to apply. We asked for a manager ad she would not transfer us. The then hung up on us.

We need this approval to be completed. We did all that we were told to do for the FHA COVID-19 Loan Modification. Our Forbearance is  running out on XX/XX/XXXX. We were forced to extend our Forbearance to cover us for now until the FHA COVID-19 Loan Modification processes.
Product: Mortgage

Dear Honorable and Respected Officer, I would like to file a complaint regarding the recent rejection of my loan mortgage application from the Bank of America. Unfortunately, their website lacks information on the appeal process or a detailed explanation for the decision. 

To provide context, I am a licensed physician who recently relocated to California with my family to accept a fellowship position at XXXX XXXX XXXX XXXX As we temporarily reside in a small XXXX apartment with our XXXX elementary-aged daughters, I sought an affordable place to live. After an extensive search, I found a suitable property with a selling price of {$290000.00}. 

Excited about the prospect of a better life for my daughters in California, I explored mortgage loan options and came across Bank of America. The lending specialist, XXXX XXXX, was patient and helpful. We proceeded with the necessary steps, including property inspection, appraisal, and opening an escrow, while promptly providing all requested documents. 

However, on XX/XX/XXXX, Bank of America abruptly informed me that my loan application was denied. The sole reason provided was that I am receiving a stipend income as a fellow doctor at XXXX XXXX Disappointingly, they did not offer any alternative solutions to address this issue at that moment. 

I was shocked, distressed, and deeply concerned about our living situation, especially considering the well-being of my young daughters. Unable to comprehend the decision, I could barely respond at that moment. This turn of events also resulted in the loss of a certain amount of my hard-earned money. 

Upon further reflection, I have several questions regarding Bank of America 's decision on my loan application. Firstly, I wonder if their action constitutes discrimination based on my income source. Additionally, I question the knowledge and competence of the underwriter who represented the bank. 

The discriminatory practices and inadequate support from Bank of America have caused unnecessary stress and inconvenience for me and my daughters. 

I kindly request your assistance in investigating this matter and providing clarification on the decision made by Bank of America. I hope other families do not encounter the same problem as mine. 

Thank you for your attention to this matter. 

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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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  Balance : {$2200.00} XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX  Inquired on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + XXXX XXXX + Equifax, On the attached letter dated XX/XX/2022 from XXXX XXXX it clearly states they are requesting Equifax completely remove/withdraw the below tradeline from my Equifax credit report asap : XXXX  : XXXX ( Client XXXX XXXX  XXXX The letter states XXXX XXXX has been requesting Equifax to remove/withdraw this and I have also submitted with Equifax to remove/withdraw this XXXX and now I am requesting this again. 

Enclosed with this complaint are : - my drivers license - my address- my social security number proof - my dispute letter - XXXX XXXX  latest letter dated XX/XX/2022 - my XX/XX/2022 Equifax credit report where it still shows its on my report Equifax, please have this removed/withdrawn as XXXX XXXX has instructed you to do many times as this incorrect information is damaging my credit and interfering with my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXXXXXX XX/XX/2022 XXXXXXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX XXXX, Date Open XX/XX/2023. The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I retained an attorney as a result of overcharges and overbilling to my escrow account for taxes and insurance. My attorney XXXX XXXX XXXX XXXX has contacted the Mortgage Servicing Company, Roundpoint, on numerous occasions and requested they contact. I have also made the same request numerous times. Despite this I received a call onhttps : //www.consumerfinance.govXXXX XX/XX/2019 which I answered, informed the caller who stated he was from Rounpoint that I had an attorney, gave his name and told him to speak to him and hung up. I received another call the next day and the same thing happened. I called my attorney to inform and he wrote complaining of this.
Product: Student loan

I am trying to get public service loan forgiveness. My loans have different qualifying payment numbers, which doesn't make sense because I have been paying them all at the same time. I have emailed them, called them, and been unable to contact them. The one time I got an agent on the phone he hung up mid call after over an hour on hold. 

This is MOHELA.
Product: Credit reporting or other personal consumer reports

As stated in my last correspondence, XXXX XXXX XXXX has obtained this account as a result of material misrepresentation, fraud, & Identity Theft pursuant to 15 USC 1681 a ( q ) ( 3 ) and IC 35-43-5-3.5 & IC 35-38-1-2.5. 
Synchrony Bank did not legally obtain my consent to sale, transfer, assign, or disclose any non-public personal information pertaining to this account with XXXX XXXX XXXX or any other third part as regulated by 15 U.S. Code 6802 of the GLBA. Additionally, Synchrony Bank failed to provide the consumer with FULL disclosure at the initial signing. Failure to provide FULL disclosure of material information that is known to be relied upon by the consumer is misleading, an unfair method of competition, and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud.
Product: Debt collection

I purchased a pair of shoes from the merchant through a mail ordr catalog, XXXX ) a subsidiary of XXXX. After weraing the shoes twice they fell part literally and I called customer service about the issue and was instructed to return the shoes for a full refund, as of today I have yet to receive my refund. Since I returned the shoes via USPS, this debt is not owed and the merchant owes me a FULL refund. This is an illegal demand for payment and in direct violation of the FDCPA
Product: Mortgage

We closed a re-finance loan XX/XX/XXXX. We pay our own property taxes and informed the lender and the lawyer. The closing documents showed that property taxes were held by the closing office, even though we submitted proof that we had paid the taxes XX/XX/XXXX. We were told not to worry that the {$790.00} held by the closing office would be disbursed to us when our money was released. That did not occur. I attempted to contact the law firm, but they never responded. I contacted the mortgage company. They responded, but did not have the authority, I believe, to correct the situation. At this point, it would be nice to recoup the money improperly withheld by the law firm, but I am lodging the complaint to make people aware and to check the numbers as the monies are disbursed.
Product: Credit card or prepaid card

I am writing to you today to express my concerns regarding fraudulently furnished late payments that have been added to my credit report by your company. I have reason to believe that I am being extorted by your company, which is a serious violation of my right to privacy. As you may be aware, Congress has mandated that all financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The addition of these fraudulent late payments to my credit report has caused substantial harm and inconvenience to my financial reputation due to fraud, which undermines public confidence in the banking system. According to 15 U.S. Code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Additionally, I should have received a negative information notice no later than 15 days after the alleged debt was validated with me as the consumer. If your company can not provide proof that they lawfully validated this alleged debt with me before furnishing it on my consumer report, then it is my belief that this has been a fraudulently furnished late payment with forethought and malice intended to cause me harm. Please be advised that under 15 U.S. Code 6821, any false, fictitious, or fraudulent statement or representation to a customer of a financial institution is a violation of federal law and will be held liable under 15 U.S. Code 6823 ( a ), with fines up to {$500000.00} for a felony by an organization, imprisonment for five years, or both pursuant to 15 U.S. Code 6823 ( a ). I demand that these late payments be updated to PAID AS AGREED and that each late payment be deleted from my credit report immediately to prevent further harm to my financial reputation. I will consider any non-reasonable response as frivolous and will file a fault judgment in the favor of the interest of me, the consumer, the holder in due course, the attorney, and the administrator in fact. I am giving you 15 days from the date of delivery to respond to this notice. Failure to disclose requested documents SUCH AS all documents, papers, correspondence, books of account, and financial and corporate records. or provide a response to rectify any faults by Discover will serve as acquiescence and your agreement to a default judgment against your company for the dishonor in the negotiable instrument, bank fraud, creation of the false and deceptive form, mishandling of goods, compromising my relationship with other financial institutions, and including stress caused to me in the attempt of exercising my rights in good faith. I expect you to handle this matter with ordinary care and address all subject matter. I thank you in advance for your anticipated quick cooperation on this important matter. 

Account XXXX : XXXX XXXX XXXX