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

I am filing this formal complaint against Experian and XXXX XXXX XXXX XXXX ( XXXX  ) for violating federal laws concerning the inaccurate reporting of a charged-off account and failure to issue a 1099-C Cancellation of Debt form. The account was sold to a debt collection agency, yet XXXX continues to report it inaccurately, harming my credit profile. 
Additionally, I have provided proof that the debt has been sold and is reporting inaccurately on my credit file and demand prompt removal as this is a violation.

Violations Committed : 1. Failure to Issue a 1099-C Violation of 26 U.S.C. 6050P According to 26 U.S.C. 6050P, creditors who cancel or discharge debts of {$600.00} or more are required to issue a 1099-C form. XXXX has failed to provide this form, suggesting that the debt has not been legally forgiven while simultaneously reporting it as a charge-off.

2. Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681 et seq.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Creditors must report accurate information. The continued reporting of a charged-off account, despite its sale to a third-party collector, is false and misleading.

15 U.S.C. 1681s-2 ( b ) : Upon dispute, credit bureaus must investigate and correct inaccurate data. Experian has failed to do so.

15 U.S.C. 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy. The current reporting of the account as a charge-off without reflecting the sale to a third-party collector is a violation of this obligation.

3. Fair Debt Collection Practices Act ( FDCPA ) Violations 15 U.S.C. 1692 et seq.

15 U.S.C. 1692e ( 8 ) : Creditors and collectors must not report false or misleading information. XXXX and the debt collector can not both claim ownership of the same debt in different ways, which creates confusion and misinformation. 


Requested Action : 1. Immediate removal of the XXXX charge-off from my credit report. 

2. Verification of a 1099-C filingif none exists, the charge-off should not be legally reported.

3. Correction of all reporting inaccuracies regarding the ownership and balance of the account.

4. Investigation and enforcement action against XXXX and Experian for violations of FCRA, FDCPA, and IRS reporting laws. 


Legal Consequences for Noncompliance : Failure to address these violations within 15 days will result in a lawsuit against Experian and XXXX for willful noncompliance under 15 U.S.C. 1681n, which allows for statutory and punitive damages. I will also escalate this matter by filing complaints with the Federal Trade Commission ( FTC ) and my state Attorney Generals office.

Please provide a written response detailing the actions taken to resolve this matter. Thank you for your prompt attention. 


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

I have already filed a complaint as of today, only one account was deleted from my credit report. I requested all 3 bureau 's to remove 3 accounts total that does not belong to me. They only removed 1. They updated the other two and kept them on my profile. They are aware of the identity theft and also have that note on my profile and still haven't removed the other two accounts. The other two account I need removed is from XXXX and XXXX These two accounts do not belong to me.
Product: Mortgage

In XXXX my husband and I bought a house in Florida with an 80/20 loan from XXXX. 
Our house dropped in price drastically, so we had to file for bankruptcy. 
XXXX  XXXX XXXX did a refinance and which at the time we thought it included a first mortgage and line of credit. 
We have been current for over 12 years on our first mortgage. 
Two years ago, we received a notice from Specialized loan Service company saying we owe approx. {$120000.00}. ( $ XXXX LOC, $ XXXX interest and $ XXXX in other fees ) We told them the {$50000.00} line of credit was tied into our bankruptcy that we had thought was included in the loan modification. 
They stayed silent for 10 YEARS all while letting $ XXXX of interest and fees accrue. They just now let us know that they want to go after our house since it now has equity. 
If we would have been given a notice, we would have made sure everything was paid from the start. 
We have been trying to settle with them for a reasonable amount for almost a year with no real chance to save our home. 
My husband and I are in our XXXX and we are also the caretakers of my XXXX mother who has extreme medical conditions. 
Their options for us are to pay the {$120000.00} upfront or a loan modification by paying {$25000.00} upfront and 10 % interest on the total of {$120000.00}. 
This problem has caused much stress in my work and personal life and its starting to affect my physical health. 
I hope there is something the CFPB can do on their end as I feel like what they are doing is predatorial. 
Thank you for taking time time to read this message.
Product: Checking or savings account

I registered a fraud claim initiated on XX/XX/XXXX, included transactions for a total amount of {$340.00} as it was XXXX I could only go back XXXX year, with XXXX XXXX XXXXXXXX. 

The funds were returned to my account. 

Then, the following communication was send saying that all the funds were returned except {$100.00}. I called repeatedly and the answer was that XXXX XXXX XXXXXXXX sent a letter saying that I approved the purchases. I did not approve the purchases, nor did I get any letter. I asked for a copy of the letter and Bank of America said they had none : As a courtesy, we contacted XXXX XXXX XXXX on your behalf and were successful in gettinXXXX XXXX XXXX  XXXX to reimburse you for these transactions. 
On XX/XX/XXXX, Bank of America applied {$100.00} as a permanent credit to your account.
Product: Mortgage

Freedom Mortgage sent up an escrow account stating I had a lapse in coverage and billed me {$130.00} for homeowner 's insurance on my XXXX statement. I do not have an escrow account. I have been paying my own insurance in monthly installments since the renewal date of XX/XX/XXXX, I called them originally on XX/XX/XXXX explaining to them I should not have an escrow account. They stated they did an anaylsis and determined I had a two-day lapse in coverage in XX/XX/XXXX which is incorrect I called to follow up again on XX/XX/XXXX, XX/XX/XXXX, and XXXX, XXXX. They insisted I had a lapse in coverage and did nothing to resolve the matter. After my call on XX/XX/XXXX I submitted the requested documentation by them, from my insurance company showing my payment history along with a statement stating I had no lapse in coverage. They stated they did not received it despite my receipt of an confirming email stating it had been received. I called again on XX/XX/XXXX, XXXX, and XXXX attempting to follow up. I spoke with amabassador XXXX and supervisor XXXX along with several customer service reps over several weeks with no resolve. XXXX stated she would call me back the day after our conversation however never did. I called back asking again for her to return my call but again, no response. All these calls were recorded. I confirmed with my insurance company, XXXX that Freedom Mortgage has paid {$0.00} to them.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft and a data breach. As such, I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit file pursuant to 15 USC 1681c-2 ( a ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ).

The fraudulent accounts are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$20000.00} Additionally, I am requesting the deletion of the following fraudulent inquiry : XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Mortgage

Called Mr. Cooper spoke with XXXX in Loss Mitigation she was very rude and short during the conversation I explained I received 2 different payments statements for a payment. I contacted them today checking status of the mortgage assistance application that I submitted. I have resubmitted my request for mortgage assistance because I have not received a mortgage modification based on my income. 
I recently filed bankruptcy and I'm wanting to get my mortgage payments back on track.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports per XX/XX/XXXX and XX/XX/XXXX Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XX/XX/XXXX, XXXX XXXX, BEST, on XXXX XXXX,XX/XX/XXXX, JPMCB - CARD SERVICE add a hard inquiry. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

Please review and sign your identity theft report. 
This is your official statement about what happened to you. 
Federal Trade Commission : XXXX FTC Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information First Name : XXXX  XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX Phone : XXXX Email : XXXX Personal Statement I am writing to formally notify the FTC of a significant data breach that has occured with XXXX, one of the major consumer reporting agencies. This breach has comprimised my personal and credit information and has caused harm to my trust. I am demanding these accounts be removed from causing futher harm to my property. I have notified XXXX and they remain unbothered and my credit report remains unchanged Accounts Affected by the XXXXXXXX XXXX XXXX  Opened by the Thief Company or Organization : XXXX XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$0.00} Fraudulent Charges to My Credit Card Company or Organization : XXXX XXXX XXXX XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$0.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$0.00} Fraudulent Personal or Business Loan Company or Organization : XXXX XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$0.00} Fraudulent Rental of Apartment or House Company or Organization : XXXX XXXX XXXX XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$0.00} Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

DE XXXX XXXX XX/XX/year> Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
Product: Credit reporting, credit repair services, or other personal consumer reports

I and my hushband both recieved a credit report alerts from XXXX, reads. Credit report alerts. Equifax credit report. Dated XX/XX/XXXX, Updated tradeline. XXXX XXXX. Equifax. XX/XX/XXXX Buiness name/address. Buisiness. Type. Account type/Status. Balance XXXX XXXX XXXX. Affected by natural or {$1000.00} XXXX XXXX XXXX. Declared Disaster XXXX XXXX, SD XXXX XXXX called last Sat., XXXX and was told they could not do anything about it They just put this on because of all the disasters, we had NO disaster here.. 
Today I, XXXX XXXX called security at XXXX, and after hearing the same thing, that they just put it on just in case, and they could not remove it or do anything about it, this was told to me as she was reading their report that they sent, she then told me I would have to do whatever with Equifax that I could, This freezes your accounts, Last night on the news, this was on and told that it was freezing peoples account that have this show up on their credit report. 
XXXX never contacted us and now they say they can not help, they put it on but can not take it off. My XXXX XXXX ending in XXXX. This is happening to others with different banks, XXXX was the one on the news, they were contacted by a reporter, after a family could not get a car loan because this was on, and they recieved the same answer from XXXX, that we got from XXXX. 
It had frozen their credit, XXXX said they would take it off, but not XXXX, I told her they have no right to just put anything on your credit report, that doesnt have anything to do with us, and mess up our credit and have it frozen. 
After the reporter got in on it, XXXX said they would clear it. I told her if they did not take care of this now, I would cancel my cards and never do busy with them again. Our credit is in the XXXX, s worked hard to keep a great rating, now they can just add fake reporting just because they want to, XXXX does not have a balance of {$1000.00} with XXXX and I do not have that balance {$1000.00} either
Product: Credit reporting 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 of privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Numbers : XXXX These list of accounts have violated my rights. 15 U.S.C 1681 section 602 ( a ) states that I have the right to privacy. 15 U.S.C 1681 section 604 ( a ) section 2, states a consumer reporting agency can not furnish an account without my written consent and instructions. 15 U.S.C 1681 ( C ) ( A ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions and crimes which antedates the report by 7 years. 15 U.S.C 1681 s-2 ( a ) ( 1 ) states that a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Money transfer, virtual currency, or money service

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

On Friday, XX/XX/2018, I received a letter from XXXX XXXX XXXX stating that I owe {$860.00}. The letter is dated XX/XX/2018. I called the number to find out who I needed to talk to because I dont acknowledge this debt. They couldnt give me much information other than XXXX XXXX XXXX XXXX XXXX. I called them, but they have no record of me having an account with them ( old or current ). I also called XXXX XXXX  who is listed as the original creditor who also said the same thing. 

The person I spoke to said this account would be reported to the credit agencies and it would show up on my credit report even though I told him I needed time to figure out what had happened and who to contact to clear this up. He said he was not a financial advisor and could not tell me what to do or how to clear this up and that he would request a debt verification. 

I was a little surprised that he didnt ask me to state the last 4 digits of my social security. He just listed them and asked if those were it.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 
Thanks, XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : Regional Acceptance XXXX Account name : XXXX  XXXX Account name : XXXX XXXX Account name : 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 a consumer reporting agency can not furnish a account without my written 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 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

On XX/XX/2016, I contacted XXXX and had a security freeze on my information with them. On that same date, I opted out from reports in the XXXX system. On approximately XX/XX/2016, I sent correspondence to Equifax inquiring about a Chapter XXXX bankrupty listed on my credit file. I stated that " Due to Civil Case No. XXXX, XXXX , Et Al., v. Equifax Information Service , LLC, I do not know the source of your information on the bankruptcy you have listed on my account, and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). '' I asked Equifax to send confirmation within 15 days that the bankruptcy had been removed from my credit file. Instead, Equifax claimed to have " confirmed '' the bankruptcy using information XXXX data on XXXX XXXX, XXXX, even though I had placed a security freeze on my XXXX data almost a month prior to that. I am asked that the Consumer Financial Protection Bureau investigates this matter and mandates that Equifax removes their bankruptcy from my report, as they are not reporting truthful information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through a hardship, I am now back on feet and trying to buy a house. In the mix of these I wanted to begin to fix my credit. While reviewing my credit reports I cam across quite a few inaccuracies being reported. According to 15 U.S.C & 1681 law there should not be any damages being reported and this is a defamation to my character. Remove all fraudulent accounts immediately. 

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account several accounts and validation was requested as these are accounts not recognized. I reviewed my credit again on XXXXXXXX  and the accounts continues to reflect on my credit report and I have not received any correspondence from the creditors to validate these accounts as correctly belonging to me, nor has my credit report been updated to reflect that these accounts are being disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and the accounts are still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditors has authorization to access the accounts nor authorization to attempt to collect on these accounts and the accounts continues to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belongs to me and all information is correct.
Product: Mortgage

the Flagstar Bank re did the Mortgage because of Hardship of XXXX loss of income and add 15 years or more to my mortgage the years was 25 left on the mortgage the note stay the same the interest percent when down from 4.5 to a 3.1 all is great by it was not to add all theses years on i call and just got i sign the papers
Product: Debt collection

Roughly 5 - 7 months ago I was contacted by a company named Source Receivables, Management located at XXXX XXXX XXXX XXXX XXXX, NC XXXX. I was told I owed a debt of {$270.00} for an unpaid balance regarding a business line I carried through XXXX. I was unaware of any issues I may have had wirth XXXX and was actually talking to the collection company on the phone they were attempting to collect a debt on. I immediately explained to them this was the first I've heard of it and was a mistake, I then tried calling XXXX ( who XXXX merged with ) and I was told I don't have any debt, and if there was a debt from XXXX  it would have carried over and would have affected my account. It was never carried over because there was never any real debt. I explained all of this to the people of Source Receivables and even recently provided them with a reference number from XXXX  regarding the conversation I had with them and how I never owed money. I've spent a minimum of 6 months being called a liar and being bullied into something I never owed by their employees and manger named XXXX XXXX. Fast forward to today and the company has admitted their mistakes and no longer carry a debt in my name. However, my credit score has been hit hard by this, and since I've asked the company about how to file a complaint against them I've now been blocked and no longer have the option of speaking to someone about this. I've asked for transcripts regarding the amount of calls and harassing messages I've been receiving and that's when they blocked my phone number. I would like for this company to receive some sort of punishment for harassment. Thank you for your time.