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

I am writing in response to your recent communication regarding my inquiry about the information furnished to the credit agencies and my request for a 1099-C for the credit card accounts ending in XXXX and XXXX. I appreciate your assistance thus far, but I must express my dissatisfaction with your response. 

Firstly, it is important to note that I am not requesting the card member agreement, as it is irrelevant to this particular issue. My primary concern is the unverifiable account ( s ) that is currently listed on my credit file. As per 15 U.S.C. 1681g ( a ) ( 1 ), I have the right to request the removal of any inaccuracies or unverifiable information from my credit report.

Per the Fair Credit Reporting Act ( FCRA ), I am exercising my right to obtain the identities and contact information, including names, employee numbers, phone numbers, and email addresses, of all individuals involved in verifying the account in question. Furthermore, I request the provision of the consumer contract containing my signature. This is done in order to ascertain the accuracy and validity of the reported information. Please comply with this lawful request promptly. 

Additionally, I would like to bring to your attention the requirement set forth by the Internal Revenue Service ( IRS ) regarding the issuance of Form 1099-C. According to IRS Publication if an account is classified as charged off and the amount exceeds {$600.00}, a Form 1099-C should be sent out to the account holder. To date, I have not received the aforementioned form for the charged-off account ( s ) in question. 

I demand that you take immediate action to remedy this situation by providing me with the necessary IRS Form 1099-C for the charged-off account ( s ) with amounts over {$600.00}. This is crucial for my tax preparation and compliance with IRS regulations. 

Furthermore, I request the deletion of the unverifiable account ( s ) from my credit file due to your agency 's negligence, which has caused me significant embarrassment and potential harm to my livelihood. It is your responsibility as the entity that furnishes information to the credit reporting agencies to rectify any inaccuracies or unverifiable accounts promptly.

I strongly urge you to not pass the responsibility onto the credit reporting agencies, as your company is the one transmitting the information to them. Therefore, you possess the authority and control to ensure the removal of these accounts from my credit file.

I expect a prompt resolution to this matter. Failure to comply with these demands may result in further legal action to protect my rights as a consumer as stipulated under 15 U.S.C. 1681i ( 5 ) ( A ) and 15 U.S.C. 1681n.

Thank you for your immediate attention to this serious matter. I trust that you will handle this situation with the utmost urgency and provide me with the accurate and verifiable information I have requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX  for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18-I scheduled a one-time payment on XXXX to process a {$30.00} payment on that same date with an account that I have used before with this merchant 's card. 

XX/XX/18-I contacted XXXX XXXX XXXX XXXX after I received an alert indicating that my account was marked as 30 days late. I spoke with a Supervisor name XXXX who informed me that a payment was returned on my account due to an invalid account number. She also informed me that I would have received calls from an auto-dialer to let me know that my payment was late. 

XX/XX/18-I contacted XXXX XXXX again after later realizing that my credit limit was also decreased due to this late payment. I spoke with a gentlemen that advised me again that the payment account used was invalid, I then informed him that I have used the assigned checking account before. He indicated that I had never used that account before to draft a payment. on this account, but with a different merchant card that they also carry. He then verified the last 4 of the checking account on the other card and stated that the last 4 numbers did not match the checking account that was used to draft my payment on XX/XX/XXXX. I have since made the payment that was in question and feel that there was a system error because the account I used, that XXXX XXXX swears that I have never used, is actually listed in my XXXX XXXX account profile, and secondly, I would have never received their auto-dialer payment alerts because the number listed in my profile is not my contact number and I am not familiar with whose number that would be, but it's not mine.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX told me they had decided to forgive the debt. They sent me a 1099C showing the full amount was that is being forgiven. However the credit bureaus are still reporting that balance as past due to the credit bureaus. If they have forgiven the debt, and legally discharged by submitting the 1099C form to me and the IRS then there should be a zero balance and this account closed.
Product: Mortgage

In early XX/XX/XXXX2020, I applied for a refinance loan on my residence with a company called LoanSnap after reading their ads about fast processing and closing times. On XXXX I received an Loan Estimate from the lender. It was for a loan amount of {$270000.00} with an interest rate of 2.875 %. This was acceptable to me and I chose to proceed with the loan. ( The document is attached ) During the course of the next few weeks they requested many documents which I quickly submitted. Also during the whole processing I received 70 emails with canned messages such as Were working on your loan youll get a text if we need anything. And, Dont delay your loan and upload your documents today. Thats an average of about 3 texts a week. On XX/XX/XXXX I received a text from XXXX that read, Im sorry this is going to sound harsh. Your loan is going to take two more weeks to finalize. ( If only ) I was Happy. On XX/XX/XXXX, 3 months later, I got a text from XXXX that read We are working on your loan and at this point we are sorry to say that it likely wont be done for another 30-45 days. We understand if you want to withdraw your loan and find another lender. So now its been 4 months and I decided to move ahead with them. ( A big mistake ) But on XX/XX/XXXX I did receive a Closing Disclosure with a closing date of XXXX XXXX ( The document is attached ) I was encouraged at this point and thought its finally over. But again it wasnt. On XX/XX/XXXX I got a message from XXXX XXXX, Senior Loan Advisor that read in part, Were now just waiting for the closing team ( XXXX  ) to have availability to sign so please be on the lookout for a call from an XXXX number which will be XXXX  calling to schedule the final signing. Also on XX/XX/XXXX I received a text from XXXX XXXX of XXXX requesting a copy of my Living Trust. I downloaded it the same day. On XXXX Mr. XXXX texted me that the underwriter was reviewing the document. On XX/XX/XXXX Mr. XXXX texted me that they that they are still awaiting the HELOC payoff and Closing instructions both to be provided by LoanSnap and we have notified them of your concerns for closing. MrXXXX XXXX sent me a message on XX/XX/XXXX ( 2 weeks later ) apologized for missing my email and stated that he would send me a text as thats the easiest way to reach me. And Im talking with the team now to see when XXXX will reach out to you. Keep an eye out for a call from an XXXX number. Ive heard nothing from Mr. XXXX or XXXX since then. On XXXX I sent MrXXXX XXXX a text stating that I cant figure whats going on. And that if you dont intend to close the loan to please be honest and let me know. The latter 2 texts are attached as documents. I also sent a text to Mr. XXXX asking if they had been authorized to close the loan. There has been no response from either. So I now realize its over. I cant understand why they would deliberately lead me along for 6 months with no intention of making the loan. Its been a total waste of my time and energy and emotionally draining. CFPB presents a possible recourse through your complaint process. Thank you!
Product: Mortgage

My home was damaged by XXXX XXXX. My mortgage company Mr. Cooper is once again holding insurance damage benefits and not releasing funds to finish repairing my home. I overnighted an endorsed check to Mr. Cooper 2 weeks ago. They are continuing to hold the funds. The house is over 70 % finished. This is the second complaint I am sending to them for the same issue. They are very familiar with what I am talking about.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 

I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report. 
Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months. 

I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Product: Mortgage

We financed a rental property through a company called XXXX XXXX XXXX. They sold the loan and it is now serviced by Fay Servicing. Although Fay has been escrowing estimated taxes each month, they did not pay the property tax bill and we have now been threatened with a lien on the property from the city of XXXX, XXXX. Despite alerting them to this issue 10 days ago, no payment has been made. I re-alerted them today. 

Fay Servicing , LLC XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items + Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from : my credit reports. List all those negative accounts from your Equifax credit reports. Account names and account numbers and file Your complaint with the CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection agency called XXXX XXXX, which legally is named XXXX XXXX XXXX XXXX XXXX has been harassing me and tarnishing my credit report preventing me from re establishing my credit worthiness. I've reached out to them on numerous occasions to inform them that they are trying to collect a debt that was discharged in a bankruptcy ( case # XXXX ) on XX/XX/2016. 
XXXX XXXX refuses to stop contacting me and also refuses to take the debt they they purchased from XXXX XXXX XXXX which was included in the bankruptcy discharge included debtors. 
As all three Credit Reporting Agencies are listing this illegal attempt to collect this debt that XXXX XXXX has repeatedly reported since acquiring ( wholesale bought ) back in 2016 ', and they refuse to stop harassing me and correct their illegal collection practice, they are in direct violation of both the law as well as the codes set forth in the FCRA. This leaves me no choice but to pursue my legal rights as a consumer to involve the proper financial entities to force them to cease and desist their illegal attacks against me and my credit reports. 
please refer to the XXXX complaint case # XXXX that has been filed and the disputes filed with all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an eviction XX/XX/XXXX from my previous apartment. IRS garnishment prevented me to pay rent. I came into some money to pay off my debt, it was paid to XXXX XXXX and collection on XX/XX/XXXX for the amount of {$1400.00}. XXXX XXXX XXXX sent a paid off letter to all 3 credit bureaus. XXXX  and XXXX  has removed the debt from my report it no longer shows. However Equifax has stated that thy never received the request and as of today it still on this report as " unpaid ''. I sent Equifax a certified letter on XX/XX/XXXX and it was received on XX/XX/XXXX, but they said they never got it. Then as of XX/XX/XXXX I sent them a fax that contained, my ssn, dl 's, bank statement that confirms the payment to the collection agency, both copies of the letters the XXXX XXXX XXXX has sent to me, a written statement and the original copy of the certified receipt. I received a letter from them on XX/XX/XXXX stating that the dbt is unpaid and the current balance has went up. I need help
Product: Checking or savings account

I'm on a fixed income & my car insurance is caming out I dont have the money
Product: Bank account or service

PLEASE SEE ATTACHMENTS ASSOCIATED WITH THIS COMPLAINTOn XX/XX/2015, I presented a US Government Check drawn from my Thrift Savings Plan ( TSP ) Retirement Account for {$8000.00} ( in person ) to my local Wells Fargo branch. I had WF deposit {$1500.00} into my checking acct ; of the remainder, {$1000.00} was deposited into my savings ( as CASH ) and the rest I took, as CASH. At the time of this transaction my checking acct was overdrawn-the balance was - {$210.00}. Since that date, I made a cash deposit via ATM of {$300.00} on XX/XX/2015 into my checking AND another Deposit of {$600.00} via transfer from Savings on XX/XX/2015 ( i.e. it was treated as a cash deposit XXXX into my savings acct. During that same period BUT AFTER THE INTITIAL DEPOSIT OF {$1500.00}, I initiated and authorized XXXX ( XXXX ) debit transactions of {$35.00}, XXXX, {$62.00} & {$560.00}. My complaint : WF placed has placed a hold on funds in my account in the amount of {$7800.00} ... the amount of the check that was returned to me as cash ; The length of the hold is ten ( 10 ) days and the cite the reason for the hold : that I had overdrawn my account more than once in the previous six ( 6 ) months ... which is true. However, they are also holding the cash amounts deposited during the period of XX/XX/2015 thru the present ( {$600.00} & XXXX ) ... which makes absolutely no sense to me for XXXX reasons : First, they were CASH desposits ... how can you place a hold on cash? Second and just as relevant : Back on XX/XX/2015, I went into my local WF branch, again in person, and presented a US Government check, drawn from same source-my TSP, but in the amount of {$16000.00}. While my account was NOT overdrawn at the that time, it HAD been overdrawn within the past 6 months. Yet when I asked for an explanation as to why the checks were both treated so radically different, all I can get from the telephone bankers is the same stock reply : " your account was ocverdrawn in the last 6 months. This concerns me greatly because, even if they were to hold the amount of the check deposited most recently, the CASH deposits I made from XX/XX/2015 thru the present are more than enough to cover the debited transactions made during that period ... yet WF is determined to disregard the CASH monies deposited as well as the check ... an action which will cause me to incur at least for separate overdraft fees of {$35.00} each. 
I am well aware of the multiple overdraft history on my account prior to XX/XX/2015 ... and have had absolutely nor problem with paying the fees associated with those transactions - they were incurred by me, knowingly and I never disputed them. 
But this recent series of events indicates, in my mind, a clear willingness of WF to simply disregard their own rules ... .and subject me to Overdraft fees in a manner that is obviously arbitrary and definitely inconsistent with their past practices.. WF is disregarding their own rules - this is, in my mind, unfair and absolutely without merit.
Product: Bank account or service

Capital One 360 made a bank error, overdrawing my account in error, causing me to have inconvenience and incur fees to access funds elsewhere. 
I had a dispute regarding a charge XXXX/XXXX/16 from XXXX XXXX XXXX, where the merchant ( hotel ) owed me a refund of XXXX dollars on a charge of {$880.00}. I called Cap One, who issued a provisional credit of XXXX . I received no further documentation. 
On XXXX/XXXX/16, Cap One mistakenly debited {$880.00} from my account, even though the provisional credit was only for {$280.00}, when they resolved the dispute in the merchant 's favor. 
Notwithstanding the fact that I never was contacted about the dispute to provide documentation ( I have an email hotel regarding promised refund ) - Cap One debited my account for {$600.00} MORE than was at issue in the dispute. 
Capital One apparently realized their mistake a week later, issuing a credit for the amount on XXXX/XXXX/16. However, their error caused me great inconvenience, time wasted, and financial costs. 
Today, XXXX/XXXX/16, I called Corporate Office, asked for Exec. Customer Relations - instead was transferred to a supervisor for credit cards. 
I called Corporate Office a second time, asked again for XXXX, specifically for Cap One 360. I was transferred instead to an escalations department for retail banking ( XXXX, id XXXX ), who said she needed to transfer me to 360. Then she got XXXX, id XXXX, at 360 on 3-way who said she needed to transfer me to 360 business. I asked whether I was still at an escalations level, and they said no. I said I called XXXX specifically to speak with an escalations level, and that I would call Corporate Office again. 
I called Corporate Office a third time and they were closed. 
360
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher peoples information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian system is marking my account late for a payment I made. As you can see XXXX is the month I'm being reported late for and it is the month I paid over $ XXXX in agreement to have this removed. Attached : Payment image shows the payment date. The Experian images will show the date I'm being reported late for. I should not be marked late for the day I made the payment. This is ridiculous. This is the only late mark on my account and it's not even accurate. The XXXX images will show the date I'm being marked late for but it's the day I made the payment to have this removed.
Product: Debt collection

I contacted experian with documentation stating I didn't have any knowledge of a debt owed and I provided supporting documentation regarding these collection. The other bureau 's removed the incorrect information, but experian refused to have this collection removed. I believe they are discriminating, I constantly monitor my credit and know what is happening all the time.