23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Purchased an Airfare ticket with XXXX XXXX for XXXX $ in XXXX. Flew on XX/XX/XXXX and was downgraded to Economy due to a plane swap. on my return flight, it happened again. i contacted XXXX to get the situation handheld but they referred me to there partner XXXX who was operating the flight. XXXX XXXX never resolved the issue, so i made contact with my Credit card company to file a dispute. i told them the situation and they instructed me they would credit me XXXX $ back and keep the difference of XXXX charged on my account since that 's the price of an economy ticket. two months later i was asked to send proof of travel, which I did but they claimed to never have received it and recharged me the XXXX , I called and was given an apology and was told the documents were received late due to an office error and that chase would re-dispute the item for me. since then 2 months have passed and i called chase and was told the dispute is closed and we are rebilling you the XXXX , they said it was my fault because they tried to call me but i did n't answer and they cant dispute something this old ... they never called me or sent me any letter during this whole process. The item in dispute was purchased in XXXX and disputed after the travel in XXXX.
Product: Debt collection

Healthcare revenue recovery group attempted to collect a debt that was payed in full by my insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that I have reports on my credit that were opened without my permission. I would like for these accounts to be closed as soon as possible as I am a victim of fraud. these accounts that were opened are damaging my credit report and it is out of my control. This is very unfair and I would like to have the issue resolved. Accounts such as XXXX XXXX, Resurgent Receivable, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are all accounts that I do not recognize whatsoever and need to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the attached report. I am a victim of identity theft and did not make these charges. This is an ongoing issue that is affecting my credit health. I ask that the items be deleted as fast as possible to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should NOT be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 
Fraudulent & Harmful / Negative Accounts XXXX - Account # : XXXX Account Opened : XX/XX/XXXX LATE PAYMENTS REPORTING XXXX Account # : XXXX Account Opened : XX/XX/XXXX LATE PAYMENTS REPORTING XXXX XXXX - Account # : XXXX Account Opened : XX/XX/XXXX Balance Reported : {$5700.00} CONTINUED ON NEXT PAGE XXXX - Account # : XXXX Account Opened : XX/XX/XXXX Balance Reported : {$3000.00} XXXX XXXX XXXX - Account XXXX XXXX XXXX Account Opened : XX/XX/XXXX Balance Reported : {$3200.00} XXXX XXXX - Account # : XXXX Account Opened : XX/XX/XXXX Balance Reported : {$3000.00} XXXX - Account # : XXXX Account Opened XXXX XX/XX/XXXX Balance Reported : {$1400.00} XXXX  XXXX - Account # : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$1500.00} XXXX XXXX  - Account # : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$2500.00} UNAUTHORIZED INQUIRIES CONTINUED. 
Inquiry Name - XXXX XXXX XXXX XXXX  Inquiry Date - XX/XX/XXXX XXXX XXXX Name - XXXX XXXX XXXX  Inquiry Date - XX/XX/XXXX XXXX XXXX Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date - XX/XX/XXXX XXXX Inquiry Name - XXXX XXXX XXXX and Loan Companies Inquiry Date - XX/XX/XXXX XXXX Inquiry Name - XXXX XXXX XXXX Inquiry Date - XX/XX/XXXX XXXX XXXX Name - XXXX XXXX  XXXX XXXX XXXX XXXX Inquiry Date - XX/XX/XXXX XXXX
Product: Debt collection

Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. 

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. 

Please provide me with the below mentioned items : *1099c Request * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. 

I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. 
* Defamation of character * Use of my copyrighted property
Product: Credit reporting or other personal consumer reports

Hello : Im just going through my credit report a few days ago and I saw XXXX, Equifax XXXX XXXX has all these hard inquiries some listed more than once on my report I dont know where those companies came from and I saw the date is XX/XX/2023 it was when I went in for a car purchase but I had no clue XXXX was going to just throwing my information all around and he said it would be just two or three. I saw to many to understand I was very angry and confused.
Product: Debt or credit management

My information with Equifax has been breached and here is the proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Discover illegally filed litigation against the cardholder ( myself ) during the Pandemic. There was a stay of debt collection filed by the XXXX House, Discover chose to evade and sued cardholders. I settled with this creditor with the understanding they we to remove the credit reporting from the 3 credit bureaus upon satisfaction on XX/XX/2020. I have made several attempts to justify and ask them to remove the reporting inaccuracies, but they continue to ignore my kind request for removal, which was an agreement with the attorney representing the card company Discover. Now nearly 24 months later, the consumer is still negatively being denied and illegally penalized for paying off an account upon a court agreement. I followed what I agreed to and now Discover to own up to their agreement upon pay-off settlement. 

As shown in the document, the card issuer Discover is illegally reporting my account information to the 3 bureaus which is causing stress, and financial hardship for the consumer due to negative information being reported and updated. 

Per FCRA guidelines and regulations, the account is being reported incorrectly across all bureaus. 

Account number # XXXX XXXX XXXX is incorrect, dates are invalid, account rating is wrong on XXXX and I have spoken with Discover numerous times and explained this complaint.
Product: Credit reporting or other personal consumer reports

The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX {$12000.00},,, XXXX XXXX XXXX {$7300.00} ... XXXX XXXX XXXX {$2300.00} ... XXXX XXXX XXXX {$2300.00} ... XXXX XXXX XXXX {$39.00} ... XXXX XXXX XXXX {$1000.00} ... XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} ... XXXX XXXX XXXX {$6500.00} ... XXXX XXXX XXXX {$360.00} I looked at my XXXX and Equifax report on XX/XX/2024 and noticed some accounts and inquiries are incorrect and fraudulent. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rightsasaconsumer.
Product: Credit reporting

On XX/XX/2017 I noticed a delinquent notice on my credit report from TD Bank, statng I was 120 days late on a credit card. I called TD bank and their fraud dept on XX/XX/2017 and again XX/XX/2017. I was told by TD bank agent on XX/XX/2017 that the account was not mine and I was not response for it. I was also told by the TD agent that they would contact all three credit agencies and correct the same and also send me out a letter as to not being responsible for this account as well. As a result of this mistake from TD bank, my FICO score went from a XXXX to a XXXX. Its been over a month and I did receive a letter from TD bank as to this account not being mine nor am I responsible for it but TD bank still has not corrected my credit report of this erroneous delinquent account by removing it, Now, other creditors of mine such as XXXX, XXXX etc. have cut my available credit with them in half as a direct result of this negative reporting by TD bank. This TD accont is a credit card ending in XXXX or XXXX both come up in the credit report and both are the same account. I have tried several times again and again to contact TD banks fraud dept but only each time to be placed on hold for 1 hour and 14 minutes or longer with no one ever picking up the phone. I have also informed experian of the above on XX/XX/2017.
Product: Credit card or prepaid card

I have notice discover was reporting an fraudulent account in 2017 so while XXXX i been working on removal. discover removed account then all of a sudden they keep changing account number i contact XXXX they stated the open dates all was the same but close dated was different i have paperwork from discover stating removal and accounts all of them was fraudulent
Product: Mortgage

WAS DOING a reverse mortgage but because they only can add or tack so much on the original loan we did not close.At that time I had been promised by my reverse mortgae professionals supervisor that AAG would pay certain bills that incurred when -like the mold inspection etc.That wasin XXXX now it is XXXX and I have received imvoices for the bills.XXXX told me to fax the invoices to him and he would see what he could do.All he said was that we did not CLOSE so consequently they could not pay the invoices.This is my basic complaint-his supervisor assured me that they would pay these bills
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service an unfair practices, which violate the Consumer Financial Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leavingmy account vulnerableand unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Trasfer Act ( EFTA ) and Regulation E.These actions have caused singigicant inconvenience and financial loss, an i seek appropriate redress for these violations
Product: Debt collection

Was in an out-of-state major car accident and injured by a drunk driver. Spent a few hours in the emergency room in XXXX XXXX XXXX in XXXX NC before being discharged, and my husband was XXXX  XXXX  to XXXX  XXXX XXXX. Based on limited insurance proceeds of the guy who hit us and pursuant to NC law, Gen Stat. 44-49/50 the lawyers could only disperse {$7700.00} to the hospital for my few hours of treatment. My lawyers also advised the hospital pursuant to NC Gen Stat 131E-91 due to failure to present bills to my medical provider ; XXXX XXXX, the balance and lien was waved and any reporting to credit bureaus would be contrary to North Carolina law and not enforceable. XXXX XXXX has turned this over to a couple collection agencies which no one has contacted me in years. It is only on my XXXX report and It is being disputed, I've called newest ; First Point Coll Resource, agency and nothing, I've tried the hospital with no response, and I am just not getting any resolution from anyone. This is now affecting my purchase of a house and needs to be resolved quick so I can complete my purchase. PLEASAE HELP!!
Product: Credit reporting or other personal consumer reports

RE : Improper filing of 1099-c form- I am writing to address the lack of response to my previous notice regarding the request for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX XXXXXXXX failure to provide a response leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX XXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. 

Furthermore, it is imperative that you notify Experian, XXXX, and XXXX to delete this information from my credit report immediately. The accounts in question is detailed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As per IRS regulations XXXX a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. 

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. 

Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. 

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the Creditor XXXX XXXX XXXXXXXX, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer.

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Mortgage

Home was originally purchased in XX/XX/XXXX, loan financed for $ XXXX, with Navy Federal Credit Union. I am a XXXX Veteran, however I have never utilized my VA mortgage benefits. I was injured on the job as a XXXX XXXX, which has affected my finances tremendously. I have requested assistance from Navy Federal with lowering my monthly payment, due to unstable income, when family medical leave is taken due to my ongoing medical condition. However, the modification rules have does not allow for my mortgage to be reduced, which I do not understand. I have received 2 modifications, last one in XXXX, yet I have never been offered a lower interest rate, reduction of the principal ( despite my home value dropping drastically in XXXX ), forgiveness of late fees or arrearages. Last modification my loan was extended from 30 to 40 years, yet payments about the same. The rules seem to require a surplus for the modification to be granted, yet a surplus means disqualification for a lower monthly payment. As a veteran and a XXXX XXXX I have served my country all my life, and now I need help, yet the rules prevent Navy Federal Credit Union from lower my monthly payment, while allowing them to foreclose on my only home and auction it off or short sell it to someone else when I have made years of monthly payments. I have to submit years of tax documents to qualify for the modification, yet my determination is based on 1 months, check stubs, and if I do not have a surplus the modification is denied, if I have a surplus, I am offered a payment plan hundreds of dollars hired than my original mortgage I am currently behind on. At no point have I been offered a mortgage reduction of any kind, therefore no help for me. I provided a hardship letter and a letter from my physicians, explaining my medical situation, however the rules prevents the Navy Federal Credit Union loss mitigation specialist from providing me an option that would lower my monthly mortgage and allow me to remain in my home of 11 years. Late payments on my credit report, and lack of rental history affects my ability to move, so it seems I will be added to the homeless veteran list. These rules and practices are unfair and bias at best, who investigates to determine if profits are being made from the programs supposedly created by the government to assist those of us who are requesting assistance. What qualifications are required to receive a reduction in interest rate, reduction of principal or forgiveness of late fees or arrears, because I want to keep my home. However I was told I only qualify for a payment plan I know I can't afford, so I asked about the Deed in Lieu, rather than foreclosure, only to determine I will not be allowed to utilize my VA home benefits for 2 years once the deed is signed over.
Product: Mortgage

Do to a financial hardship I was no longer able to pay my mortgage. I contacted the bank before stopping payments, told them my situation and submitted all documentation that was requested. I then decided that staying in my home was not an option and started discussing a short sale with the bank. the whole process started in XXXX of 2015 ( over a year ago ) and has still not been resolved. I obtained a realtor and attorney to help with the process of working with the bank on the short sale. The bank has been very uncooperative. They refuse to give any information to my attorney or me, keep refusing a short sale for various reasons, and most recently certified my home as vacant even though I am still living here ( I was handed the vacant cert on my front step ). Most recently the bank informed my attorney that the offer on my home was too low and they would not accept the short sale. they refused to provide a counter offer or let us know what the value of the house was ( appraisal had been done in XXXX 2015 by the bank. The foreclosure process was started in XXXX 2015, while we were waiting for the bank to review the first offer I had on my home.
Product: Mortgage

The Mortage company failed to pay off my taxes in XXXX XXXX. I sold my home in XXXX XXXX, XXXX. The Mortage company Faye Servcing added on $ XXXX worth of fees on my account. Refused to tell me what they were for. To date the company is refusing to call me back, or follow up with me about my Escrow Refund of almost {$1000.00} I call them almost everyday for the last two months and only thing they said was the check should went out XXXX XXXX, XXXX but its just sitting there we will follow up within 48 hours and get the refund out to you. Now overtime I call they tell me they have to transfer my to my old rep or a supervisor who I also spoken with in beginning of XXXX who both stated they would get back with me within 48 and to date no money no refund. This company needs to be sued and I am further turning to over to an attorney for results and the way that I was and have been treated unfairly and violation of federal laws they have. broken to me. property address XXXX XXXX ga XXXX My account manager is very rude and sarcastic with me when I call. They just dont give a care
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEVER GAVE ANY OF THESE INSTITUTIONS CONSENT TO FURNISH ANY OF THE REFERENCED ITEMS IN ATTACHMENT ON MY BEHALF
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate collection reporting to my credit report from third party company XXXX XXXX. Account # XXXX. They are attempting to collect {$670.00}. Date Opened XX/XX/2022. This medical debt was sold to this third party collection agency from XXXXXXXX XXXX XXXXXXXX without my consent. According to FCRA, this is against Hipaa law.