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

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be deleted. 

XXXX XXXX XX/XX/2023 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
Product: Credit reporting or other personal consumer reports

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED
BELOW WHICH STILL APPEARS ON MY CREDIT
REPORT, EVEN AFTER  INVESTIGATION COMPLETED.
I WOULD LIKE THIS ITEM IMMEDIATELY REINVESTIGATED. THE INACCURACIES ARE HIGHLY
INJURIOUS TO MY CREDIT SCORE
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING
ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611,
PLEASE PROVIDE THE NAMES AND BUSINESS
ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU
VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP.
PLEASE SEND ME AN UPDATED COPY OF MY CREDIT
REPORT AFTER YOUR
REINVESTIGATION.
ALSO THIS ACCOUNT IS NO VALIDADTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off account in the amount of {$13000.00} on the XXXX/XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. My now deceased husband took out this loan and signed this agreement on his own. I did not sign any documents with XXXX XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

The is a public record showing on my XXXX  and Experian credit profile detailing past Bankruptcy- XXXX for XXXX and XXXX. They were both dismissed, nonetheless they show up on my credit report. 

This is unsolicited data and it shouldn't be data-mined and sold to reporting agencies and subsequently end up on my credit report. In the past I have asked these Credit Bureaus to remove these items from my report. I have spoken to the clerk of the court in which I have filed and they ensured me that they don't report this information to credit bureaus and the only way that it could be obtained was through data mining.
Product: Credit card or prepaid card

In XXXX I made my payment to early and it created a 30day day late. When I called to ask why XXXX did not notify me by phone or in writing that I was late. I was told that due to I had E-Statements they only send an email. I never seen a email from XXXX, it may have went to my junk email or was deleted thinking it was advertisement. 

To correct the issue I removed myself off E-statements so if this happened in the future I would be contacted via phone or mail. In fact I think email should not be allowed. 

XXXX corrected the issue by adjusting my payment and refunded the fees and interest charges. - When I check my credit report the late fee had been removed. 

Forward to XXXX - checking my credit report and I see a 30day from XXXX in XXXX. I call XXXX they state I would need to re-dispute in writing, I sent my dispute in writing with a copy of the letter they sent me on XX/XX/XXXX. 
Letter Stated : Good news - I've credited your account to resolve this dispute. The credit cover the XXXX you disputed as well as any applicable fees and interest charged. You'll see the credit on your next statement. I'm Glad I could take care of this for you. 
Thanks XXXX XXXX XXXX XXXX XXXX ext XXXX. 

My New dispute was declined - - It is rejected stating the only fixed the payment and that late payment will stand. They also stated they XXXX has a right to send late payment notification to email. 

XXXX only keeps there statement online going back to a few months- so I was not able to get the corrected statement. - Nor did XXXX provide documentation. 


I would like target to remove my only late payment with them in XXXX. There Good News letter was misleading as a consumer.
Product: Credit reporting or other personal consumer reports

As the company failed to respond to my request for debt validation within the legally stipulated duration, this is a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).
Product: Bank account or service

I am filing a complaint to ask Chase Bank to extend time for my checking account. I have checked my account and I see there is an additional fees. I have avoided any and all charges until I clear up my checking account. I would appreciate a call from Chase Bank confirming that that will be done.
Product: Credit reporting or other personal consumer reports

Fraudulent access to my consumer credit report after misleading practices which have been reported to the Federal Trade Commission today, XXXX. I did not give XXXX XXXX XXXX permission to run my credit for a vehicle collateral loan. I do not have a vehicle to put up for collateral, so I would not be applying for a loan that requires it. The prequalification assured that no hard inquiry or credit pull would show up on my credit. The hard inquiry is on my credit and the XXXX XXXX XXXX XXXX XXXX Department refuses to remove it. I called XXXX and spoke to XXXX today at XXXX XXXX  and I also submitted another complaint ( after sending XXXX via email and speaking to two representatives that promised the inquiry would be removed from all credit reporting bureau reports ) via the Executive Department of Customer Care , XXXX XXXX XXXX  at XXXX. No resolution. I was not notified of investigation status or results. Difficulty submitting a dispute or getting info about a dispute over the phone -- customer service just keeps giving different phone numbers and playing phone tag with the customer, promising to remove and not remove. I asked for the written authorization as well as the decision today.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax id required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at XXXX XXXX : Your response to my CFPB complaint is not only inadequate but demonstrates negligence in addressing the inaccuracies in your credit reporting. Instead of taking accountability for your errors, you have placed an unjust burden on me to disprove your claims. 
Under 15 U.S.C. 1681s-2 ( a ) ** of the Fair Credit Reporting Act ( FCRA ), you are legally obligated to ensure the accuracy of the information furnished to credit reporting agencies. False or misleading reporting violates federal law. The delinquencies you reportedXXXXXXXX XXXX on XX/XX/year> and XXXXXXXX XXXX on XXXX entirely false. This account was **paid in full and closed, and there was no delinquency on my part. Your obligations under XXXX*12 C.F.R. 1024.36 ( Regulation X ) ** and **20 U.S.C . 1070 et seq. ( Higher Education Act ) require you to maintain and provide accurate records for all federally backed loans. To verify the legitimacy of your actions, I demand the following : 1. A complete transaction history of my account, including payments, credits, adjustments, and applied interest. 
2. Documentation proving the alleged delinquencies, including all reports submitted to credit bureaus and any notices sent to me regarding these claims. 
3. Confirmation that the account was paid in full and closed, along with the date and details of this final transaction. 
4. Verification of your compliance with the Higher Education Act and all relevant federal regulations.

Additionally, under 31 U.S.C. 3729 et seq. ( False Claims Act ), any misrepresentation of federally backed loan records may constitute fraud. Your failure to accurately reflect my account status violates this standard and exposes you to further liability. 
Your demand that I submit proof of payment and other documentation is unreasonable and further demonstrates your negligence. If your records are incomplete or inaccurate, that is a failure on your partnot mine. 
I expect the following actions within 15 days of this notice : 1. A full investigation and correction of your reporting practices for my account. 
2. **Immediate removal of all inaccurate delinquencies from my credit report. ** 3. Formal written acknowledgment of your errors. 
4. Notification to all credit bureaus of the corrected account status, including confirmation that the account was paid in full and closed. 
5. Copies of all records relating to my account and these erroneous delinquencies. 
Failure to comply will leave me no choice but to escalate this matter. This includes filing additional complaints with the U.S. Department of Education and the CFPB, as well as seeking legal remedies for violations of federal law. 
This is your final notice. You have 15 days to comply. 

Sincerely, XXXX XXXX Social Security XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I received a copy of my consumer report with accounts furnished fraudulently. The consumer reporting agency has failed to investigate my credit report multiple times. I have been a victim of Identity theft like I stated in my prior communication. According to 15 USC 1692G All debt collectors are required to provide sufficient evidence to validate their attempts to collect on a debt. No evidence has been provided to me to validate these accounts in question. I have no consumer credit contracts with these companies nor have I ever consented to any of these companies to use my non public personal information.he accounts I am referring to is listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts shall be removed.
Product: Credit reporting or other personal consumer reports

I am filing this formal dispute regarding several accounts inaccurately reported on my credit reports by the creditors listed below. This dispute involves charge-offs, potential violations of the Fair Credit Reporting Act ( FCRA ), and failure to comply with Internal Revenue Service ( IRS ) regulations concerning Form 1099-C. 

Disputed Accounts : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Status : Charge-Off Balance : {$1600.00} Issue : Status updated to XX/XX/XXXX, which constitutes possible re-aging. Additionally, I have not received IRS Form 1099-C, required when a charge-off is considered taxable income if the debt exceeds {$600.00}. 
XXXX. XXXX XXXX  Account Number : XXXX Status : Charge-Off Balance : {$1300.00} Issue : Status updated to XX/XX/XXXX, reflecting re-aging. No IRS Form 1099-C or proper notification of debt cancellation has been provided. 
XXXX. XXXX XXXX XXXX. 
Account Number : XXXX Status : Charge-Off Balance : {$100.00} Issue : No Form 1099-C has been received. Incorrect reporting continues despite this account being closed. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Status : Charge-Off Balance : {$2100.00} Issue : Status updated to XX/XX/XXXX, with no 1099-C or documentation of cancellation. 

Violations : 1. Failure to Issue IRS Form 1099-C : According to IRS regulations ( 26 U.S.C. 6050P ), creditors are required to issue a Form 1099-C for debts of {$600.00} or more when charged off, as these are considered canceled debts and taxable income. The absence of such documentation suggests noncompliance.

2. Re-Aging of Accounts : Updating charge-off statuses to later dates without proper justification constitutes re-aging and violates FCRA 605 ( c ). This unlawfully extends the reporting period and misrepresents the nature of the debt.

3. Failure to Notify of Debt Cancellation : As per FCRA 623 ( a ) ( 7 ), creditors are required to provide written notification when adverse action is taken, including reporting a debt as charged off or canceled. No such notifications have been received.

4. Inaccurate Reporting of Charge-Offs : Reporting charge-offs as active obligations without proper documentation violates FCRA 623 ( a ), which mandates accuracy in credit reporting.

IRS Implications : As the debts in question have been reported as charge-offs, they may constitute cancellation of debt ( COD ) income under IRS guidelines . However, none of the creditors listed above have issued IRS Form 1099-C to document the cancellation of these debts. This omission leaves me unable to accurately file my taxes, further complicating the matter.

I am in the process of filing complaints with the Internal Revenue Service ( IRS ) and Federal Trade Commission ( FTC ) regarding these discrepancies. If these errors are not promptly corrected, I will escalate this matter further with the CFPB, IRS, and my states Attorney General. 

Please consider this letter as a formal dispute, and I trust the CFPB will ensure compliance from the creditors and reporting agencies involved.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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

Transunion failed to investigate a fraudulent account that I notified them about. After submitting the dispute, Transunion " verified '' that it was accurate within a couple of days. I opened another dispute to tell them to investigate the issue fully as required by law, but the dispute has been opened with no resolution for over 60 days. This account was opened fraudulently with the original creditor and it's not possible to verify it as it wasn't opened by me or with any of my information ( other than SSN ). XXXX XXXX XXXX customer service has verified this as fraud, but I am still waiting to hear back from the Fraud Department. 

This complaint is not because of the fraud or inaccurate information, it is because Transunion failed to properly investigate an respond to my dispute.
Product: Checking or savings account

To Whom It May Concern, My name is XXXX XXXX, and I am writing to file a formal complaint regarding the mishandling of a fraud case associated with my Wells Fargo account. 

In 2019, I experienced significant fraud involving my Wells Fargo account. During this period, I was also the victim of a robbery in which all my personal items were stolen, including my Social Security Number ( SSN ), driver 's license, bank, and credit cards. The theft of these items resulted in fraudulent activities across multiple accounts. 

Despite my efforts to address this issue, including filing a police report a few years later, Wells Fargo has refused to correct the fraudulent charges on my account. My initial attempts to resolve the issue directly with the bank were unsuccessful. Additionally, my subsequent appeal was denied without any evidence linking me to the fraudulent activity. 

I have attached copies the police report for your review. Wells Fargo 's continued refusal to address the fraudulent charges and rectify the situation is unacceptable. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

The issues that I am having an issue with my private student loan. I filed bankruptcy in XX/XX/2019 and it was discharged XX/XX/2019. The bankruptcy case # XXXX. Im still being charged for the loan.
Product: Credit card or prepaid card

We have 3 credit cards through Barclays, 2 Juniper cards and a XXXXXXXX XXXX XXXXXXXX card. I have a online account that has one Juniper card and my wife has a online account with the other juniper card and XXXXXXXX XXXX XXXXXXXX card. My account has restrictions do to security issue and my wife 's account is locked do to a security problem. The number to call puts us on a long wait and when we get through they transfer us to security where we wait again and then to a so called fraud specialist which really ends up to a automated balance information on the card and then starts all over after asking what we are calling about. We have spent over 2.5 hours on the phone over a security issue and no one is addressing it. Big red flags for us! We can't pay, we have no statement because we are paperless. We are beyond frustrated and are concerned about what is going on with the account.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX Date of inquiry : XX/XX/year> XXXX  Date of inquiryXXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/year> XXXX. 
XXXX XXXX Date of inquiry : XX/XX/year> XXXX. 
XXXX XXXX  Date of XXXX XXXX. 
XXXX XXXX XXXX Date of XXXX XXXX. 
XXXX Date of XXXX XXXX. 
XXXX Account Number : XXXX XXXX. 
XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Mortgage

Due to financial hardships I fell behind in my mortgage and defaulted on my mortgage on XXXX/XXXX/XXXX and was referred to a foreclosure attorney on or about XXXX/XXXX/XXXX without a foreclosure sale date scheduled. 
On XXXX/XXXX/XXXX, I completed and submitted a request for a modification. I included the following required documentation : - XXXX current paystubs- Complete Request for Mortgage Assistance form- Signed and completed XXXX formThey documented receiving my request on XXXX/XXXX/XXXX. 
On or about XXXX/XXXX/XXXX, I received XXXX letters from my mortgage servicer requesting me to provide income information. Since I already provided this information I called them and they told me that they did n't need income information, but I needed to provide a hardship affidavit. 
On XXXX/XXXX/XXXX, I faxed a hardship affidavit. 
On or about XXXX/XXXX/XXXX, I received another XXXX letters from my mortgage servicer requesting me to provide income information. Since I already provided this information I called them and they told me that they did n't need income information, but I needed to provide my full tax returns and to date my hardship affidavit. 
On XXXX/XXXX/XXXX I faxed my XXXX and XXXX tax returns and the dated hardship affidavit. 
On or about XXXX/XXXX/XXXX, I received another letter from my mortgage servicer requesting me to again provide income documentation. At this time my father-in-law had, had a XXXX and I was unable to follow up within a timely manner. 
On XXXX/XXXX/XXXX, a notice of trustee sale was filed and a foreclosure sale date was set for XXXX XXXX, XXXX. 
On XXXX/XXXX/XXXX, I received a registered letter notifying me of the notice of trustee sale filing and called my mortgage servicer immediately. I was then told that I needed to provide a copy of a quit claim deed. I expressed to them that I had already provided a copy XXXX, once for my previous request for mortgage assistance in XXXX and when I requested they change my surname in XXXX. I was then told that, 'that was too much paperwork to look through and to provide another copy '. 
On XXXX/XXXX/XXXX, I faxed my quit claim deed. 
On XXXX/XXXX/XXXX, I emailed my mortgage servicer a request to confirm they received all my documentation and never received a response. 
On XXXX/XXXX/XXXX, I called my mortgage servicer to again confirm a full package was submitted. I was then told that they received the quit claim deed on XXXX/XXXX/XXXX ( which is amazing, considering my previous faxes took XXXX hours to post to my account records ) and then they confirmed the was recording of the quit claim on or about XXXX/XXXX/XXXX. Then the package was submitted to underwriting on XXXX/XXXX/XXXX for review. 
My issues are ; I provided a full package according the HAMP guidelines on XXXX/XXXX/XXXX and then provided all the additional documentation on XXXX/XXXX/XXXX, but they still scheduled a foreclosure sale because they could n't bother to review their document library to find the document they were 'missing '. Also they are now past the XXXX day deadline for providing approval or decline for the modification since receiving a full package on XXXX/XXXX/XXXX.
Product: Vehicle loan or lease

Not fully disclosing my right to rescind Not being clear and conspicuous regarding the finance charge Failing to provide the required notices to consumers for consumer credit transactions Deceptive contract
Product: Student loan

On XXXX I requested a refund of payments made toward my student loans during the COVID payment pause. At that time I was quoted up to 6 weeks. Once that timeline did not come to fruition I submitted a CFPB complaint wherein I received the response pasted at the bottom. This response stated that the timeline was now slated as the timeframe after balance adjustment occurs has since been increased to four to eight weeks. The total timeframe for a refund is 10 to 14 weeks. 

XX/XX/XXXX marked eight weeks and today, XX/XX/XXXX marks ten weeks, yet my balance on AidVantage still has yet to be updated indicating again, my refund has not been sent for processing. With total time for a refund quoted as 10 to 14 weeks Id like an update. My account is two weeks past the quoted deadline for my account balance to be updated on AidVantage therefore ultimately delaying my refund past the 10 to 14 weeks timeframe stated in the AidVantage response to my original complaint. 

AidVantage is giving me the run around and mismanaging my finances. I would receive a late fee if I paid late, yet any answer they give me in regards to receiving my refund is supposed to be sufficient. AidVantage is negligent in their processing. 

**response from AidVantage re : previous complaint to follow** STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for reaching out to the CFPB with your concerns regarding your student loan account. We reviewed your interaction with our representative on XX/XX/XXXX when you called to request a refund. During that call you were advised your refund would take four to six weeks after the request is approved. This is in line with the timeframes available at that time ; however, the timeframe after balance adjustment occurs has since been increased to four to eight weeks. The total timeframe for a refund is 10 to 14 weeks. We thank you for your patience during this process. Once your outstanding balance has been adjusted, it can be reviewed by logging into your account at XXXX  or you can contact us at XXXX with any further questions you may have regarding your account. Please monitor the Department of Education 's FAQs at StudentAid.govXXXX  as more information becomes available.