23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 instructions According to : 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Experian XXXX To Whom it May Concern, Account name : XXXX XXXX  I received a copy of my credit report. To my surprise, the credit reporting agencies are reporting this account incorrectly. This account is not only being reported as having a past due balance of {$7400.00}, but also reports that there have been XXXX ( XXXX  ) late payments with XXXX XXXX  Monthly payments. Also it reports an incorrect utilization of 122 %, which should equate to {$7400.00} and not {$7400.00}, as 22 % of {$6100.00} = XXXX x XXXX = {$1300.00} So the increase amount is {$1300.00} Adding the increase of {$1300.00} to the original {$6100.00} gives us : {$6100.00} + {$1300.00} = {$7400.00} Therefore, XXXX plus a 22 % increase is {$7400.00} NOT {$7400.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account remove upon completion. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Problems with PayPal and now the XXXX. All customer service are closed and this problem been going on for over a month. I have a balance but I can do nothing but look at. I been trying to contact someone about the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO THE LAW 15USC1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX, Equifax, and XXXX are reporting information that certification has not been given with my consent to report an accounts that I have asked for them to remove. XXXX, XXXX XXXX, and XXXX is being reported as a charge- offs and clearly that is an income that the IRS or XXXX hasn't provided me a 1099-C, The creditor has been negligent in misrepresenting that they would report my private information such as my income in their disclosure. According to the law 15 USC 181e 1 ( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses it to the consumer reporting agency that originally furnishes the report. The credit reporting agencies are reporting XXXX as a charge -offs which is illegal. 
ACCORDING TO THE LAW 15USC 1666b ( b ) Grace period If an open-end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, the such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid the imposition of that finance charge. 
ACCORDING TO LAW 15 USC 1681a ( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
Product: Checking or savings account

Ive been banking with them for a minute, I tried to deposit money from my other account via check and they closed my account?? I thought that was a normal thing normally I would XXXX the money over but it was too much ... the man I spoke to sounded XXXX like man is it hard to be XXXX.
Product: Credit reporting or other personal consumer reports

The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly, have them removed and haven't received a response. 

Equifax : EQUIFAX MORTGAGE SER XXXX XXXX
Product: Debt collection

I opened a Macy 's credit card on XXXX  XX/XX/XXXX in order to receive 25 % at the time of purchase. I was under the impression by the sales associate that after the discount was applied that I was paid in full. It turns out I had {$5.00} of remaining balance on the card. My address changed because I moved and did not receive any statements, emails, or phone calls from Macy 's telling me that I still had a balance due. I eventually found out about this when I went to the post office to find Macy 's overdue account statements waiting for me. Macy 's put my {$5.00} into collections without contacting me beforehand by phone or email. Now my credit score has dropped by 80 points due to a {$5.00} charge that I was not informed about.
Product: Debt collection

GENERAL CREDIT SERVICES OF ARIZONA. CONTINUES TO REPORT A DEBT FROM XX/XX/XXXX AS DEROGATORY OPEN COLLECTION ITEM ON MY XXXX CREDIT FILE THAT WAS DISCHARGE IN A CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX. GENERAL CREDIT SERVICE WAS INCLUDED IN THE CHAPTER XXXX BANKRUPTCY FILED ON XX/XX/XXXX GENERAL CREDIT SERVICE CONTINUES TO REPORT THIS ITEM AS A OPEN COLLECTION ITEM AND HAS ONLY MADE REMARKS TO THE ITEM AND HAS NOT CHANGED THE STATUS AS PAID/CLOSED. I 'VE CONTACTED THE COMPANY AND SPOKE WITH THE ARIZONA OFFICE AND WAS TOLD THEY JUST RECENTLY REPLIED TO MY XXXX DISPUTE ( AND UPDATED THIS ITEM AS VERIFIED ) THE ITEM IS STILL SHOWING AS A OPEN DEROGATORY COLLECTION ITEM, WHEN THIS ITEM WAS PAID FROM THE BANKRUPTCY ESTATE. THIS OPEN COLLECTION ITEM IS HURTING MY CHANCES OF REBUILDING MY CREDIT.
Product: Debt collection

I was called several times, being harrased by several debt collectors, threatening that they would sue me if it is not paid. This happened for years, starting in XXXX. I received a letter, early summer of XXXX saying that I was being sued and to call the court if I had any questions. I called and they told me my case was closed. So I then thought it was finally over, but they reopened it and I never got a letter until recently, stating that I missed my chance to defend myself in court and they ruled against me in the amount of almost XXXX plus XXXX percent interest. I live in XXXX  and the company is XXXX XXXX XXXX XXXX. Also XXXX municipal court.
Product: Mortgage

On XX/XX/2023, I received a letter from XXXX XXXX, informing me that my mortgage had been acquired by Mr. Cooper. The letter further instructed me to visit the Mr. Cooper website to create an account for making mortgage payments. However, when I called Mr. Cooper, I was advised that the transfer would not be finalized until XX/XX/XXXX, at which point I could create an account on their website. 

On XX/XX/XXXX, I visited the Mr. Cooper website with the hope that the transfer had been completed. To my surprise, I discovered that the Mr. Cooper website had been temporarily shut down due to a cybersecurity incident on XX/XX/XXXX. 

As of today, XX/XX/XXXX, the Mr. Cooper website remains inaccessible, and there is a lack of information, particularly for individuals like myself who have not yet been able to create an account. I am unable to access any information related to my mortgage, including the status of the escrow account meant to cover property taxes and insurance. Regrettably, I currently have no access to this crucial information.
Product: Credit card or prepaid card

I opened a Home Depot credit card in XXXX of XXXX and was told it was 2 years interest free ( waived interest ) with a 25.99 % interest applied to any charges made after the two years expires. The representative at the store insisted that I would not be responsible for any interest accrued during the promotional period charges. 

I was lied to by the sales representative in the store and the credit card representative over the phone- as this card has a deferred interest associated with it that I was not aware of. 

I set up auto payments and electronic statements upon receiving my card and making my first charge. I set up my payments to be above the monthly minimum and they were consistently paid on time. 

This promotion expired in XX/XX/XXXX where I had approximately {$3400.00} left on my credit card balance. My auto payments continued however I was charged approximately {$6800.00} in deferred interest in XXXX. 

I never received any email notification ( given I have electronic notifications ) that the promotion was expiring and there would be a deferred interest charge added to my total charges. This was a complete surprise to me. I logged in today, XX/XX/XXXX to pay the remainder of the balance in full to find it was {$8800.00} dollars. 

I called Citi to try and resolve it and informed them I was lied to and this is not how the credit card was sold to me and I was told there is nothing that can be done on their end. 

The pandemic has really affected me and my family and money is extremely tight. I can't afford to pay all this interest, especially when it's not what I signed up for. I feel cheated and taken advantage of and any help in the matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, Chase Mortgage took over my home loan from XXXX XXXX. I inadvertently continued to send my payments to XXXX XXXX and was not aware until XX/XX/XXXX that my payments were not being received by Chase Mortgage. Once I was made aware of this I began to work with my Bank ( XXXX XXXX XXXX ) and XXXX XXXX to try and track down my payments and get back in good standing with Chase. This process took some time and in the meantime Chase deemed me a risk and sold my mortgage to XXXX. This caused my credit score to  drop almost 200 points. I have always been good about paying my bills except for a few 'hiccups ' along the way. The major exception is the time period from XX/XX/2018, when Chase decided to buy my mortgage from XXXX XXXX, until XX/XX/2018 when I was made aware of the situation and took steps to correct this. As you can see from the attached documents I fixed the 'lapsed ' payments and have been on time since then. I feel that this situation was not caused by my inability to pay, but due to some confusion with the buying and transfer of my mortgage and therefore I should not be penalized by this.I would appreciate anything that can be done to help restore my credit to where it was before this all happened. Thank you for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXXXXXX ) has violated several of my rights. 
15 U.S.C 1681 section 602 A. Cloarly atates that 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 an account without my written instructions.

16 U.S.C 1666B : A creditor may not treat a payment on a crodit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account Immadiately as you are in direct Violation of several lawe under The Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, M ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX # XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.
Product: Mortgage

Ocwen held me up for XXXX year and never granted me a modification.
Product: Debt collection

I sent a validation of debt letter in the mail on XX/XX/2021 and have not received the info I requested within the 30 day period I stated in my letter, I am asking you to remove / delete this debt from my credit.
Product: Debt collection

I requested to validate the alleged debt on  XXXX / XXXX /   2017  via registered mail. The letter requested a breakdown of fees including collection costs and medical charges, a copy of my signature with the provider of the service to release my medical information, a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided, and to cease any credit reporting until the debt has been validated by me.  Professional Credit Management r eceived the registered letter on  XXXX / XXXX / 2017 . It has been well over the 30 days allotted to respond to my request and I have not received any validation of this debt that is being reported on my credit report. Therefo re, Professional Credit Management is il legally reporting an invalid debt.
Product: Prepaid card

I have 2 American Express prepaid cards that I have tried to use at approximately 20 stores over the last week. When I call American Express, I am told that the cards are valid, have a balance, and that the issue is with the stores ; however, after many attempts to use the cards, including at websites listed by AmEx as ones that accept gift cards, I have come to the conclusion that the issue is with the Amex gift cards. It is incredibly frustrating and at this point has remember up many hours of my time.The company called me in the middle of the night and left a message twice saying they needed the card number, but never answered when I called back to give the number.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate reporting of charged-off accounts on my credit report and the failure to issue a 1099-C form, as required by law. 

Account Information : XXXX Account Closed : XX/XX/year> Last Reported : XX/XX/year> Charged-off Amount : {$1000.00} Credit Limit : {$800.00} ( Account utilization 125 % ) Worst Payment Status : XXXX days late Remarks : " Profit and loss write-off, '' " Dispute resolved reported by grantor '' XXXX  Account Closed : XX/XX/year> Last Reported : XX/XX/year> Charged-off Amount : {$750.00} Credit Limit : {$500.00} ( Account utilization 150 % ) Worst Payment Status : XXXX days late Remarks : " Profit and loss write-off, '' " Dispute resolved reported by grantor '' XXXX XXXX Account Closed : XX/XX/year> Last Reported : XX/XX/year> Charged-off Amount : {$3700.00} Credit Limit : {$3000.00} ( Account utilization 123 % ) Worst Payment Status : 120+ days late Remarks : " Profit and loss write-off, '' " Dispute resolved reported by grantor '' Violation of FCRA ( Section 1681 ( e ) ( b ) ) : Under the FCRA, credit reporting agencies and furnishers of information are required to ensure that the information reported is accurate and up-to-date. All three accounts listed above have been charged off and are reported inaccurately, negatively affecting my credit score and financial standing. Additionally, despite the charge-offs, I was never provided with 1099-C forms, which are required when a creditor cancels a debt of {$600.00} or more.

Details of Violations : 1. Failure to Remove Charged-Off Accounts : The accounts were closed earlier in 2024, yet they continue to be reported inaccurately, affecting my credit utilization and overall credit health.

2. Failure to Provide 1099-C Forms : Neither XXXXXXXX XXXX XXXX XXXX nor XXXX XXXX has issued a 1099-C form for the canceled debts. This omission violates IRS guidelines and affects my tax reporting obligations. 

Given these issues, I kindly request the following actions : 1. Immediate Removal of Charged-Off Accounts : The accounts should be removed from my credit report due to the failure to meet FCRA accuracy requirements.

2. Issuance of 1099-C Forms : I request that XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX issue the necessary 1099-C forms for the charged-off amounts as soon as possible.

3. Correction of Credit Report : Please ensure that my credit report reflects accurate information regarding these accounts. 

I trust that you will investigate this matter promptly and take the appropriate corrective actions. Please notify me of the status of my complaint and the steps taken to resolve these inaccuracies. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Please see attached!!!! 
I have reached out to the bureaus and they have failed to comply with my request as a consumer that has rights by law. 
Attached you will find : Letter from XXXX XXXX XXXX ( Identity Verf. ) Utility Bill ( Identity Verf. ) Picture of Account in question This account obligation was paid and should not be reporting on my consumer report I DO NOT NEED YOU TO START A DISPUTE OF MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAUS ) DID NOT RESPOND / SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED )
Product: Debt collection

Debt was paid but never reported as paid or close to credit bureau or public records. When contact them about a release letter they said it will take from 30 to 45 days, called them back after 45 days and they gave me the same answer, eight months later still no letter. The company claims the attorney who handled the case should release the letter but when I contacted the attorney they said they are the company reporting to credit bureau therefore they should release the letter not them???
Product: Credit reporting or other personal consumer reports

According to my consumer report for my XXXX XXXX XXXX XXXX mortgage account, you have a 30-day late payment reported for XX/XX/2023, after confirming with the lender there should be no late payment reported.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XXXX, and Equifax are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well. For example see attached to see that XXXX is reporting me as XXXX days late in XX/XX/year>, XXXX is reporting me as XXXX days late in XXXX of XXXX, and Equifax is not reporting any late payments and has a different account open date and a different last transaction date. Please remove this from my credit immediately and I am requesting {$1000.00} for each violation. I have disputed this account several times and this still remains.
Product: Debt collection

fraudulent information reporting on my credit report : online information acct XXXX date XX/XX/2022 amount {$69.00}
Product: Mortgage

I would like to note, that I had pre-approvals through two additional companies. However Network Funding was willing to match the received offers, and my agent recommended. Moving forward, I was quoted two different interests rates not knowing neither were locked in. Also I had to repeatedly forward my personal documentation even after my supposed closing date. 
I was contacted by the title company, on my closing date. My settlement statement had been received and I was aware of my closing cost. I had my cashier 's check in hand, only to find out that my file was still in underwriting. I had to find out through the tite company, not my OWN loan officer. 
I had made several phone calls trying to understand the mishaps. Only to be forwarded to voicemail or to have emails requesting more documentation. I have forwarded the same documents more than once. As well as paying out of pocket for my homeowners insurance, per Network Funding request. I am at a loss, because I still can not get any answers as to how my file made it to title. Even with my settlement statement and I could not close.My deal falls through and I loose my earnest money.
Product: Credit reporting or other personal consumer reports

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 instructions 15 U.S.C 1681a section 2 ( A ) ( i ) states that Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX. XXXX XXXX XXXX XX/XX/XXXX - Equifax XXXX. XXXX XXXX XX/XX/XXXX - Equifax XXXX. XXXX XXXX XX/XX/XXXX - Equifax XXXX. XXXX XXXX XX/XX/XXXX - Equifax XXXX. XXXX XXXX XX/XX/XXXX - Equifax XXXX. XXXX XX/XX/XXXX - Equifax XXXX. XXXX XXXX XX/XX/XXXX - Equifax XXXX. XXXX XXXX  XX/XX/XXXX - Equifax XXXX. XXXX XX/XX/XXXX - Equifax XXXX. XXXX XXXX XX/XX/XXXX - Equifax XXXX. XXXX XXXX XXXX XX/XX/XXXX - Equifax XXXX. XXXX XXXX XX/XX/XXXX - Equifax XXXX. XXXX XXXX XX/XX/XXXX - Equifax XXXX. XXXX XX/XX/XXXX - Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

confirmation # XXXX I field a disputed with Equifax about an account that has shown up on my credit field, asking to find out when and where the account was open and to removed. I receive a statement from them lowing the amount and still not the information i requested. I called the number XXXX in the XXXX and all they could do was read the file back to me. 
XX/XX/2019 account now states {$50.00} XXXX XXXX XXXX