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

Discover Card XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Subject : Urgent Request to Review and XXXX XXXX under FCRA XXXX XXXX, Truth in Lending Act, and IRS XXXX Guidelines Dear XXXX XXXX XXXX XXXX am writing to urgently request that you review the reporting of my account with Account Number XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ) Section XXXX ( XXXX U.S.C. XXXX ), the Truth in Lending Act ( XXXX ), and IRS regulations XXXX the cancellation of debt. 

I have identified inaccuracies and potentially fraudulent activity associated with this account. As per the Truth in Lending Act, I am entitled to accurate and fair reporting, and I am currently in the process of reporting this entire transaction as fraud. I also intend to report this matter to the IRS, as the nature of the transaction XXXX have further implications for both tax reporting and compliance. 

According to IRS Publication XXXX, creditors are required to file Form XXXX with the IRS when they cancel XXXX debt of {$600.00} or more, as this canceled debt is generally considered taxable income for the debtor. The publication specifies : A debt is deemed canceled when a creditor decides to stop trying to collect on it or reports it as a loss on their books. This XXXX include a charge-off on their financial records. 

If you have reported this account as a charge-off or have ceased collection efforts, you XXXX be required to issue a Form XXXX to both the IRS and myself, XXXX that the debt has been canceled. Failure to align your reporting practices with IRS, FCRA, and TILA guidelines not only results in inaccuracies on my credit report but also causes harm to me by putting me at risk with the IRS, as this is considered taxable income. I am trying to stay in honor by ensuring my records are accurate and compliant. In light of these concerns, I request that you : XXXX Review, verify and delete the current reporting status of this account on my credit report. 
XXXX. Provide documentation clarifying whether this account has been considered a canceled debt under IRS guidelines. 
XXXX. Issue Form XXXX if applicable, or correct any inaccurate information reported to credit bureaus. 
XXXX. Respond to my claim of fraud under the Truth in Lending Act, providing a thorough review and documentation of the accounts legitimacy. 

Please respond within 10 days to confirm your receipt of this request and to inform me of the actions you will take to address these issues. If this matter remains unresolved, I will continue reporting these concerns to the relevant regulatory authorities, including the IRS. 

Thank you for your immediate attention to this request. 

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

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S.C 1681. 

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 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORT AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681 SECTION 604 : A SECTION 2 : IT ALSO STATES A CONSUMER REPORT AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681S-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

Gregory Funding is the company that sends me statements and takes my mortgage payments every months. over 12 months have went by and they are not reporting to any of the credit companies. 


I have called them multiple times and its not still reporting. 
They took over my mortgage loan in XXXX of 2022.
Product: Credit reporting or other personal consumer reports

I have been attempting to freeze my credit with all three credit reporting bureaus. XXXX and XXXX were fine, I created accounts for them and froze my credit with them, no problem. Experian, however, has been an absolute nightmare. 

My issue has been that when clicking the confirmation code to create an account, it takes me to a blank screen. This would be an easy fix if I could get ahold of a representative. I can not. 

I have called every single phone number I could find on the Experian website, multiple times, and have never reached a live person. There is always a robot voice that either hangs up on me, or repeatedly states that it can not connect me to a representative. Yes, I am calling when their customer service center is open. 

This has been such a nightmare, I just want to create an account to freeze my credit and it is impossible. I have been trying repeatedly both today ( XX/XX/XXXXXXXX  ) and yesterday ( XX/XX/XXXXXXXX  ). Not being able to freeze my credit is such a huge safety concern for me. Connecting me with a live person really shouldn't be this difficult. If it was connecting with any other company, I already would have taken my business elsewhere. With credit reporting bureaus, however, I need to freeze my credit with all three bureaus to be safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and there where inquiries from identity theft reported on their on my XXXX and my XXXX  and when i tired to have them remove it they wouldn't.
Product: Checking or savings account

I am writing to file a complaint a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal are similar practices, transactions settles with insufficient balances despite initially available funds. I believe these practices are unfair and request investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

My information was stolen from the hack of 3 billion people and would like all of negative reporting removed from all 3 of the major credit bereaus.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX. I am a victim of Identity Theft. I have noticed multiple accounts being reported to my credit that I didn't open or even had an idea existed. I have argued with Equifax customer service reps and they always give me the runaround. They try any reason to not remove said accounts. I have attached a PDF with the latest communication I sent to Equifax. I will also be including screenshots of one account as an example of how Equifax is reporting inconsistencies and therefore breaking the fair credit report act. They find any reason to deny my claims, I have spoken to XXXX XXXX ( XXXX of the creditors ) and all the information that they find " verified '' does not match any of my information on ANY credit report. The Identity Theft got so bad that I am facing an eviction and these accounts are stopping me from getting a loan out. I have over XXXX positive accounts to my credit report besides these XXXX. Also, please have them disclose the methods and the representative that helped them verify the accounts as " accurate ''. I am reporting them to you and the Consumer Financial Protection Bureau but I need proof of their verification methods because my next step is small claims court. Thank you so much.
Product: Mortgage

On XX/XX/2018, the Commonwealth of Virginia on behalf of XXXX XXXX XXXX XXXX, XXXX XXXX   brought forth a case against XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX. The case was concluded with XXXX XXXX XXXX, owner of property being forcefully removed from the court in handcuff ( s ), placed in a holding cell and then transported to XXXX XXXX XXXX XXXX for the second time surrounding this property. XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX has not authorized a property address change and did not grant her property to any party other than herself. This matter is required to be reported to the United States Department of Justice and per EEOC discovery, I, XXXX XXXX XXXX am required to turn over these documents as well as any expenses occurred to the U.S. Department of Veteran Affairs attorney. Additionally, I just received a check in the mail for the Wells Fargo Property Inspection Settlement and the amount is deficient. The check is for {$63.00}, however, the advance amount is {$2500.00}. I will be turning these matters over to the EEOC attorney for the USDVA as well as requesting the balance due on the property inspection fees diverted as well as any other fees such as your attorney ( s ) fees, foreclosure fees in which I did not indicate my mortgage payments could be directed to a foreclosure sale, and there is no evidence of a foreclosure because it did not occur because it was halted by a case filed against your attorney ( s ) XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX, Legal owner of XXXX XXXX XXXX XXXX, VA XXXX. This remains a racial discrimination claim as XXXX XXXX XXXX, legal owner remains to be an XXXX XXXX and the XXXX, XXXX XXXX are XXXX. 

I, XXXX XXXX XXXX, consumer and legal owner of XXXX XXXX XXXX have been harassed with threatening letters/correspondence of imprisonment by XXXX XXXX XXXX XXXX, VA if I fail to make payments to the court as well.
Product: Credit reporting or other personal consumer reports

The customer service department of Equifax did not help remove the negative hard inquiries that are reporting 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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

received a letter dates XXXX/XXXX/XXXX an attempted to collect a debt send a request for validation of debt XXXX/XXXX/XXXX request ignored and received a second threatening letter for the same debt XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

Company did not provide proper verification/validation of debt. Company did not provide proof of exchange, proof of contract or proof of consideration as per contract law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for equifax 's trustedid product. I went through the steps to active my account and then their website froze without me completing. I went back in to continue to process and the website said an account already exists and to call XXXX. I called that number. The first time I was told I would be transferred to the person to help me and was hung up. I called back and this time was told that there was nothing they could do at that number and I would have to call another number and they could not transfer me. I was given a new number to call XXXX which just rings busy. 

So now, I have an account activated with my personal information on a site that freezes and fails that I ca n't access. I ca n't get in touch with anyone to fix it and I am not sure where to go. 

I have attached a print out of the website giving me the direction to call XXXX. After calling and sitting on hold for XXXX minutes twice, I was told two different things by the reps and neither solved my problem.
Product: Checking or savings account

On Friday, XX/XX/XXXX I received an automated call from United Bank, Incs fraud department informing me of fraudulent transactions. After reviewing my online banking, I confirmed XXXX purchases of {$29.00}. After confirmation, I was switched to a representative over the phone who closed my card and instructed me to contact my local branch. 
I spoke with XXXX, the branch manager of the XXXX office who told me I had to wait for the transactions to POST before I could begin the process of disputing the transactions. 
All but one transaction had POSTED by Monday and after speaking with XXXX, I was informed that the last transaction needed to post before anything could be done. On Tuesday, XX/XX/XXXX, I completed the paperwork and was told once the fraud department received my documents, the bank had 10 days to investigate. This would put my account short of {$300.00} for more than 15 days. This is unacceptable! If United Banks fraud department caught these transactions, then why is the process and burden being put on the consumer? Regulation E states that financial institutions have 10 days to return funds or provide provisional credit, United is delaying this process. 
The transactions should have been blocked and IMMEDIATELY begun investigation. 
United Banks privacy policy also states it will protect consumers funds. Where is the protection? 
United Bank , Inc only cares about its bottom line, not their consumers!
Product: Credit card or prepaid card

My friend had a charge card through his credit union ( I am a member of the same credit union ) for more than 20 years. Several years ago I began helping him pay his bills and he requested that I become an authorized used of his credit card, a credit card company that partnered with the credit union. Over the years the credit union changed credit card companies several times, and at some point I was changed to co-owner of the account. I don't know when this occurred, and I was not aware of it, and my friend probably didn't notice the change either. This did not cause a problem until last year ( XX/XX/2020 ) when he died. At that time the company started trying to collect the payments from me ; that's when I became aware that I was listed as co-owner and was responsible for the payments. I tried to work with them but they told me that when they made their contract with the credit union I was listed as the account co-owner and that I was legally responsible for the debt. 
I didn't know what else to do, so I started making the payments. It was very difficult as my income is social security and at XXXX  years of age and in poor health, I am unable to work. 
For the past year since his death I have made every payment but I find that I can not continue to make payments of {$110.00} every month. Today when I called the company and asked them to allow smaller payments that I could manage, they referred me to XXXX XXXX XXXX, a financial counseling service. The XXXX XXXX XXXX person told me that I should talk to CFPB. She thought that what happened to me was unfair and that this problem might be solved by this agency.
Product: Credit card or prepaid card

My XXXX XXXX XXXX number is XXXX. We had earned 2 free night certificates through the Chase XXXX credit card. I had written down an expiration date of XX/XX/2018. We have booked a trip to XXXX and the last part was booking the XXXX XXXX XXXX, but when I went online the certificates were not there. I called the customer service line and was told the certificates had expired and was told to contact Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$5900.00}, XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance XXXX {$1600.00}, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 my previous CFPB complaint with XXXX, XXXX was supposed to be satisfactorily resolved. Part of the resolution was to remove the mortgage from my credit report. I was informed by XXXX via phone call that I would receive paperwork via USPS that verified my removal from the mortgage ( XXXX loan # XXXX ). I have not received that via mail even though I verbally provided a revised address and provided the address again via email on XX/XX/2022 to verify. 

I have received no correspondence from XXXX separate from the CFPB resolution through the CFPB portal and an email on XX/XX/XXXX that stated I was removed as a co-borrower from the loan. 

I continue to receive updates on this loan on my credit report contrary to the resolution that was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX have been re-aged repeatedly - see attached XXXX, XXXX, XXXX credit reports. Closed accounts are reposted with newer closed dates and payments are shown in closed accounts to continue reporting. 

Age off dates are posted in my credit reports XXXX, XXXX, XXXX, XXXX they just keep moving forward. 

I disputed the report two weeks ago and the CRAs posted a year of new payment activity in the long since closed account in response last week. 

Please fix this.
Product: Mortgage

I had requested a partial claim to be done and Mr Cooper placed me have a XXXX modification with a partial claim of only {$800.00}. They oncrwaed my payment {$800.00} and my interest from 3 % to 6.78 %. This is not going to benefit anyone, only put them in more financial issues. I asked them to cancel in several times in XXXX so I could just make a regular payment. I was told each time that it was canceled and they took a normal payment of {$1300.00}. A few days later, they were trying to run a payment of the trial payment of {$2100.00}. I called them and they said it hadn't been canceled and they would cancel it and process a regular payment of {$1300.00}. Then, they tried to run both payments through on the same day! They never canceled the trial. I was not able make a normal payment the entire month of XXXX because it kept saying that I was in a trial period. XXXX hit and now they are requesting {$7900.00}! They said my only option was to make a payment of {$4500.00} and do a repayment plan of {$2700.00} a month just so I can pay 3 months for 1 month payment split in 3. The rep told me it was because of my escrow short so had to include that in the repayment? 
Also, since 2019 I have been getting charged legal fees, inspection fees, etc for amounts of {$2500.00}, {$1500.00}, and now & now {$1100.00} right after I would XXXX out the account. I have called the called the clerk of court to see if anything was ever filed and they said not. I have requested multiple times for an itimized bill of charges and they said they will send them and never do. They dkd sent something one time that said they were charging me for inspections of the property to see if I resided at the property multiple times. I am getting charged illegal fees and they they put me behind on purpose so they can take my home by not allowing me to make payments. I just want to start making payments on my home.
Product: Credit reporting or other personal consumer reports

CFPB Complaint AXOS Bank Illegal Credit Reporting Complaint Title : AXOS Bank Violates FCRA by Re-Aging Debt & Incorrectly Reporting 180-Day Late Payments Since XXXX Company Name : AXOS Bank Account Type : Auto Loan Date Opened : XX/XX/XXXX Balance : {$32000.00} Past Due Amount : {$16000.00} Credit Bureau Reporting Errors : XXXX Issue Summary : AXOS Bank has been falsely reporting my auto loan as 180 days past due every month since XXXX through XX/XX/XXXX without properly classifying the account as charged off or transferred to collections. This violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 and XXXX XXXX compliance standards.

Under standard lending practices, an account 180+ days past due should be charged off or assigned to collectio
ns, but AXOS continues updating fresh late payments every month, artificially harming my credit score. This is illegal re-aging of debt, which unlawfully extends the reporting period.

Additionally, AXOS has not provided proof of ownership, balance verification, or XXXX XXXX compliance documents, making this tradeline inaccurate, incomplete, and unverifiable under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by XXXX OR ANY OTHER COMPANY, and including the two agencies copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. Equifax is the only out of 3 agencies that have not put the freeze as requested, that both XXXX  and XXXX  did, and this in addition to several other inquiries started after the Equifax data breach publicly known.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attached the correspondence I had with two car dealers, and XXXX. XXXX approved my loan for some {$12000.00} but when I refused to purchase a vehicle of their choosing, or dealer selection, XXXX of XXXX XXXX had my approval canceled. I argue the credit agencies refuse to post all of my loans, and instead post one negative item on my credit report. I believe this is a violation of The Fair Credit Act, Equal Opportunity in lending, and request you correct their violation of my civil rights. I believe XXXX XXXX XXXX. their internet department specifically XXXX Internet sales attempted to exploit me, and violated my civil right. I am requesting a Full Investigation. Thank you