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

Dear Equifax, I am writing to dispute the inaccurate reporting of 3 charge-off accounts that was paid in a settlement for less than the full balance. These accounts continue to appear in the adverse section of my credit report, despite the fact that they were settled, and no 1099-C was issued by the creditors for none of them. The absence of a 1099-C suggests that the creditors did not report a cancellation of debt to the IRS, which questions the validity of maintaining these accounts as an adverse items. 

Basis for Dispute 1. **Fair Credit Reporting Act ( FCRA ) Compliance** - Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), consumer reporting agencies are required to ensure that all information on a consumers credit report is accurate and verifiable. Since this account was settled and paid, its continued appearance as a charge-off in the adverse section does not accurately represent its current status.

2. **Absence of 1099-C and Debt Cancellation** - According to IRS guidelines, creditors must issue a 1099-C form when a debt of {$600.00} or more is canceled. Since I did not receive a 1099-C from this creditor, it is presumed that the creditor did not officially cancel the unpaid balance as taxable income. Therefore, the account should not be classified as an adverse item, as the creditor has not indicated a charge-off cancellation. 

XXXX. XXXX XXXX Compliance** - The XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, the standard for reporting to credit bureaus, requires accurate reporting of settled accounts. Per XXXX XXXX guidelines, settled accounts that are paid for less than the full balance but without a reported debt cancellation should not continue to be listed as charge-offs in the adverse section. 

4. **FCRA Section 605 ( a ) ( 5 ) ** - The FCRA mandates that only accurate adverse information be reported. Since these account was paid in settlement and no 1099-C was issued, its classification as an adverse charge-off account is misleading and unjustly impacts my credit profile. 

Request for Action In light of the above, I respectfully request that Equifax : 1. Investigate this account to ensure it complies with FCRA and XXXX XXXX standards for accuracy. 
2. Remove this charge-off account from the adverse section of my credit report, as it was settled and does not represent a traditional charge-off with a 1099-C. 
3. Provide me with an updated copy of my credit report that reflects the deletion of this account from the adverse section. 
Thank you for your attention to this matter. I trust that Equifax will take the necessary steps to ensure my credit report accurately reflects my credit history as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has sent my information to other companies without my consent. They information they sent was incorrect that included collections and charge offs and incorrect addresses. I have told them several times these dont belong to me and to remove. 

{$130.00} --, collection, XXXX XXXX XXXX XXXX XXXXXXXX {$19000.00}, XXXX, Not my account {$27000.00}, XXXX charge off, XXXX, Sold to a third party {$390.00}, XX/XX/XXXX Collection, XXXX XXXX XXXX XXXX and sold to a third party {$300.00}, XX/XX/XXXX Closed, {$15000.00}, XX/XX/XXXX Closed, XXXX {$3000.00}, XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX, Sold to a third party. 

Texas auto dealer, XXXX XXXX, XXXX
Product: Mortgage

A month ago I called Freedom Mortgage about refinancing my 30 year mortgage to make it a 15. I was recommended to just refinance my home at a 30 year loan for .5 interest rate lower at no cost. I said yes and then the next day decided no, I wanted to do a 15 year mortgage. I was communicating with the loan officer through email, so the next day I told him I changed my mind and I wanted more information on the 15 year loan. He didn't respond to my email so I emailed him again and he didn't respond. So I called Freedom mortgage to request a quote on refinancing at 15 years ... .they said they would send the information but never did. This happened 5 times, I called 5 times and talked to a person and they said they would send me a quote but never did. I even talked to management but I still have not received a quote. This has been going on for ONE MONTH. I have paid my mortgage on time for the last few years. I believe they are doing this because they know they will lose money and have no need to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

OMG I beg of someone who is kind enough to call me and I can discuss this with you completely. I also have proves for every claim I will make. I have never dealt with identity theft and first time I reported it was 2017 I was persecuted in my country for being XXXX and working with XXXX XXXX XXXX on human right education. My family disowned me when I was XXXX. I work so hard and I am finishing XXXX University XXXX XXXX with duo degree. 
I am lost with this situation and I also supposed to get approval for apartment and I am still waiting on their decision to make they are scared when they saw my credit and I never had that lower. I come from different culture and specially when I attached the provided information for identity theft I guess they scared. 
I have morals. 
Please please please someone call me XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account with XXXX XXXX  has been charged off, and was closed by the company on XX/XX/2018. It should not be showing on my report, nor should it still be showing a balance, since it has been written off. I have not received the IRS Form 1099-C, showing this account was written off as a loss, if said company has received a tax write off.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in XXXXXXXX XXXX XXXX to be removed. 

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

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

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Mortgage

I purchased home a on XX/XX/XXXX  with Caliber Home Loans for XXXX  I put a down payment of XXXX  than sold the home for XXXX  3 months later to a cash buyer buy I tried to purchase the other house for XXXX  I only had XXXX  as a down payment than I was told to get a FHA loan that as mortgage insurance which I was trying to avoid and till this day I have mortgage insurance than my mortgage was sold to XXXX when I later refinance to get a lower rate. The numbers do not add up can you please help a Senior in need
Product: Credit reporting or other personal consumer reports

I was never late on this account. 
XXXX These account era incorrect and not are mine XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied employment around XX/XX/XXXX due to my credit score and delinquent student loan accounts. So I pulled my credit and found that Navient had placed several student loans on my credit report. 

I currently have three student loans reporting that I owe navient {$8500.00} and after interest I owe {$11000.00}. 

On XX/XX/XXXX I sent out disputes to XXXX XXXX  and XXXX  indicating Navient is reporting 3 separate accounts with the same exact dollar amount. All 3 Credit bureaus sent back accounts have been verified. 

I havent received a Debt verification indicating I owe {$11000.00} times 3 to Navient. 

All three credit bureaus are reporting the following debt owed to Navient XX/XX/XXXX Balance {$11000.00} current XX/XX/XXXX Balance {$11000.00} current XX/XX/XXXX Balance {$11000.00} current
Product: Checking or savings account

I tried to fix this with the company after I found out that I saw unauthorized transactions well they disputed it but what happened was that they lady put the wrong input answers that I gave her well going forward what we stuck on rn is the disputed claims that's worth 3 months of unauthorized transactions long story short I be trying to fix this issue since til lthis day they don't wan na help me they keep telling me that there no way someone could clone my card or skimmed my card and pull money out and spend where I was going to alot of XXXX XXXX Atms and withdrawing money from it here and there from restaurants pizzza shops delis and etc and I believed I was apart of my debut card being skimmed becouse I never would notice it till a month or two later of unsuspiciose activity they tryna blame everything all on me saying I did everything and I'm responsible for everything til lthis day my account is on negative becouse of the disputes being reversed and another encounter that happened to me was that when I was using XXXX XXXX ATM machines to deposits my money the machine would take my money almost half it and not give it back witch I called and reported that but all those disputes I did from the big ATM machines at XXXX branch was eating up my money and giving me a low positive amount in my checking now those claims reverted back to me agative witch I had no fault of the machine eating up my deposits of my money and have no fault for it till this day now my act which is a checking. Account is on negative from the disputed claims of the ATM machine money being deposit at the branch big machine and disputed that got revert back to my act and it being negative almost- {$500.00} dollars I believed I was part of a skimmed hack of one of those little atm and they got me but I called and reported that on time they saying is my fault but I believe I have no fault be ouse I never did those payments on my cards and withdrawals that I'm not aware of they do t want to help me out they just keep telling me the higher ceo of XXXX is she says she can't report the same months that I disputed becouse it won't go through or she can't help me fix that at all.
Product: Debt collection

Amsher collection agency is attempting to collect a debt that doesnt exist. I have called AMSHER 3 way call with the original account holder of supposed debt XXXX XXXX on the phone with me two times to verify that the debt is not due and to remove. They still continue to attempt to collect while on the phone 3 way calls with XXXX. XXXX telling them this is not owed while telling me and XXXX only way to remove the debt, I have to pay or negotiate on a debt not owed. I am going to be forced to pay Amsher because this is messing up my ability to purchase an home. I feel bribed or bullied and dont know where else to turn. Every credit bureau has removed except XXXX with supporting documentation. I have disputed and removed as they are violating FCRA REQUIREMENTS RULES AND GUIDELINES. T-Mobile has been great and tried to help. My account is supposedly with the Amsher Attorneys office When I call. The lady at Amsher who answered extremely nice but cant or wont help me. I have proof of returned equipment and letters from the office of the president of XXXX SAYING I DO NOT OWE. Amsher with the hundreds of calls I have made to them weekly the lady who answers knows who I am. They wont even reach out to XXXX to verify. They just want my XXXX bucks. The debt is not worth the time. I dont get it but I need this incorrect information off my credit. My family has been affected by hurricane XXXX. This is how this all started and This negative account wont let me get a mortgage after the hurricane and I need a new place to live with my children. This is beyond fraud and wrong on so many levels. T-Mobile has been great and corrected error immediately and now this is out of their hands. I need someone to look into this fraud and Amsher, This is against the law I am sure and a attorney would cost more then the debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I have received invitation from American Express to transfer {$4000.00} with promotional 0 % APR for 6 month. I decided to except this offer. On XXXX/XXXX/19 I talked to representative regarding this. He helped me to calculate exact amount I can transfer to my XXXX XXXX XXXX credit card. ( {$3800.00} ) to avoid go over {$4000.00} as AmEx offered. My XXXX XXXX XXXX  due date is XX/XX/19 so I called to transfer funds 10 days in advance to avoid interest fees on my XXXX XXXX XXXX credit card. Representative from American Express said that transfer went ok. BUT on XX/XX/19 I called my XXXX XXXX XXXX card and found that transfer was not completed. THAN I CALLED AMERICAN EXPRESS AND ANOTHER REPRESENTATIVE TOLD ME THAT THIS AMOUNT {$3800.00} CAN NOT BE TRANSFERRED, BUT ONLY {$3000.00}. THEY DID NOT NOTIFY ME ABOUT THIS POLICY AT FIRST CALL, NOT ON NEXT DAY, NOT BY MAIL. THEY DID NOT DO TRANSFER. They did not transfer {$3000.00} at least. They did nothing. AS RESULT of such American Express bad service I ACCUMULATED INTEREST CHARGES ON MY XXXX XXXX XXXX CREDIT CARD.
Product: Checking or savings account

I manage my daughter 's XXXX payments. These are sent to her via Direct Express. I received an email saying her balance was {$0.00} and she had a negative balance. I looked into the account and saw Direct Express has deducted {$700.00} to itself. I called the company and they say the transaction but said they didn't know how it happened or why. I was sent to disputes to dispute the transaction. The phone and email info they have is not mine and not matching what is in the online account. I was then sent to their fraud dept to verify my identity and was told I would hear back from them in 3-5 hours. Over 24 hours later I still have not heard back from them. Upon contacting them back I was basically told they can't tell me when I will hear back from them or when the issue will be resolved. I have sat on hold and on the phone with them over 3 hours in the last XXXX hours, done everything I've been instructed to do and still no idea of when there will be a resolution. They've taken {$700.00} from my XXXX child with no idea of when this will be resolved and basically received the attitude of it is what it is.
Product: Debt collection

I received a letter from NCB Management Services Inc to resolve/settle a debt for over XXXX XXXXXXXX that was previously held by a company named XXXX XXXX XXXX XXXX i have never done business with. When i searched XXXX XXXX XXXX i see that they are not closed/out of business and that they have several reviews about sending people demand letters for loans they did not take out with them. I contacted NCB Management Inc to tell them this information and to let them know this is not my debt and i have never done business with XXXX XXXX XXXX and have not gotten a response. Neither of these companies seem to be doing legal practices. Other people should be warned.
Product: Debt collection

LVNV Funding LLC reported a debt collection on my credit reports. This collection does not belong to me. The debt was purchased by LVNV Funding LLC from XXXX XXXX in Texas, which is a utility company. I have never lived in Texas or had any transaction / business with XXXX XXXX. 
I tried contacting LVNV Funding LLC but they would ask for personal information like my SSN, which I am uncomfortable sharing. They did not disclose any information to me or reached out to me before reporting the debt to the credit bureaus. 
The amount is less than {$500.00}, but it does not belong to me. I am reporting LVNV Funding LLC because they did not verify if I was the actual owner of the debt or reach out to me, yet they reported debt collection to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : 1. XXXX 2. XXXX 3. XXXX XXXX XXXX : 1. XXXX XXXX. XXXX XXXX. XXXX XXXX It has been an on going issue this year alone with XXXX & XXXX. I was told that the credit bureaus are working on this issue but it has been more than 60 days and these mysterious inquiries pops up on my credit report out of no where, I have never given any companies or personnel no authorizations to open any accounts on my credit and they remain on my credit. I recently received a credit report less than a week ago and they remain on my credit. I have patiently waited for the investigation process and I feel that I 'm wasting my time because it has been more than 60 days and no one at any of the bureaus are making this situation no better. I am at the point of filing a civil lawsuit soon if the mysterious inquiries remain on my credit.
Product: Consumer Loan

On or around XXXX XXXX, 2016 Westlake Financial pulled my XXXX consumer credit file. I did not authorize Westlake Financial to pull my credit on behalf of XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered based off Metro 2 compliance that all the company listed below was not in compliant with Metro 2 that was put in place to protect us as consumers. 

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}. 

i am the original creditor, consumer and natural person. You're in violation of 15 US Code 1681 ( b ) -Permissible purpose of consumer reports- as the consumer i did not give you my written to report such things on my credit report.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX XXXX XXXX XXXXXXXX for failing to provide me with a 1099-C form for a debt that was forgiven in excess of prescribed guidelines. This is a violation of IRS regulations. I request that the CFPB investigate this matter and take appropriate action to ensure that I am not unfairly penalized for XXXX XXXX  failure to provide me with the necessary tax form by invalid negative reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Equifax XXXX XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. This was already included in my prior COMPLAINT and I'm including it again. 

Please verify this account : XXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Vehicle loan or lease

I am unaware of this collection on my report I have filed a complaint before asking for the original copies with my signature and they have sold this account to XXXX XXXX, and I have not received any information from that company far as original copies. I am also asking for a copy of the 1099 form. I need all copies of this open account on my credit report.
Product: Mortgage

On XX/XX/2018 I received a " pre-qual '' letter from Sovereign Lending Group quoting a {$270000.00} loan, estimated new P & I payment of {$1100.00}. The paragraph under these figures states "... call XXXX... to secure a low fixed rate. '' Since this represents an interest rate of about 2.8 %, I called. The loan representative, XXXX, went through the entire application process, including credit checks for my wife and myself, even after I told him what our current rate is --

3.875 %. After more than 30 minutes on the phone, the rate he finally quoted me was 3.75. I guess I'm old school -- when a letter quotes
a figure, I still assume it's true. Bad mistake! My take on this is, this is a fraudulent bait letter which cost me -- and XXXX -- a lot of wasted time. Shouldn't there be some sanctions on this company?

Thank you!
Product: Debt collection

American express calls cell and home phones daily and repeatedly. I have told them multiple times about the hardships we have experienced over the last 2 years. We have been behind for about 6 months. I pay something every month and have arranged automatic payments monthly. The representative said I must pay something every time they call or they will not be able to say anything good about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding my XXXX XXXX account ending in XXXX. I have been in the XXXX  since XXXX with XXXX  and complications and just came home today!! Back in XXXX I think it was I finally got ahold of someone after HOURS OF GETTING THE RUN AROUND, and told them I had XXXX  and they said they would put projections on my account and a payment would not be due for that month. Not long after that call, my condition got worse and I ended up on XXXX XXXX for about 4 weeks. I have not been able to call anyone to get help with my accounts. My husband then tried calling to tell XXXX XXXX  what was happening. NO ONE WOULD TALK TO HIM BECAUSE HE IS NOT ON THE ACCOUNT!! As a result now my credit is ruined!!! I have {$100.00} 's in late fees and who knows what else!!! How is someone on XXXX XXXX supposed to get help if these creditors won't work with people!! 

My balance when this stared was around {$4000.00} wish. I now owe close to {$6000.00}!!! I have no job, just got out of the hospital, I can hardly provide for my kids and now to top is off, my husband XXXX XXXX three days ago from XXXX. 

XXXX need to do something! They need to fix my credit ASAP! I can not pay for my husbands frugal because I can not get any sort of loan to pay for it! Then they need to waive ALL MY LATE FEES!! LASTLY, THEY NEED TO SETTLE THIS ACCOUNT AND MAKE IT A PAYMENT I CAME HOPEFULLY SOMETIME AFFORD WHEN I GET BACK ON MY FEET! 

THE CREDITORS SHOULD NOT BE ALLOWED TO DO THIS! WHEN YOU HAVE XXXX, YOU CAN NOT WORK, I ALMOST XXXX, I HAVE NO SAVINGS NOW AND LOST MY HUSBAND. MY CREDIT IS RUNIED NOW! HOWAM I SUPPOSED TO RECOVER?!