23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I received an email offer on XX/XX/year> from XXXX for a {$490.00} signing bonus if I used the email link to apply for ( and obtain ) a minimum {$5000.00} personal loan. I used the email link, applied for a loan for {$5000.00} which was disbursed to me on XX/XX/year>. The terms stated that I needed to apply for a Checking and Savings or have a Money account - I have a XXXX Money by SoFi account so I was unable to apply for the checking account. I contacted their chat help through the SoFi app on XX/XX/XXXX to verify that my Money account was eligible for the offer and the customer service representative stated that the XXXX Money account should be eligible but that they didn't see the promotion on my profile. Per their request I sent them a screenshot of the email offer and they responded that they submitted a case for me to get the offer applied properly. I received an email reply from XXXX XXXX ( SoFi Support ) regarding the case # XXXX stating " The funds will be paid out no later than XX/XX/year> '' and asked me to contact SoFi at XXXX to submit a new ticket if I did not receive the funds by then. I never received the funds, and called SoFi on XX/XX/year> at the phone number provided to follow-up. I spoke with XXXX, who replied that he saw the note that I should have received the {$490.00} bonus by XX/XX/XXXX and he could see that the funds were not in my account so he opened a new ticket ( # XXXX ). XXXX said that I could expect a reply from SoFi in 24-48 hours. On XX/XX/year> I called SoFi again since I still had no reply and no bonus. The customer service representative I spoke with said that he could see that the ticket had been approved and that I could expect to hear back from them by the end of the week. It is XX/XX/year> and I still have not received my bonus or a response from SoFi. 
I have fulfilled all of the terms for the agreement, which has been verified by multiple SoFi service representatives, and I would like SoFi to immediately post the {$490.00} bonus to my money account as promised. I can provide a copy of the original email offer as well as screenshots from the original online chat and the email reply that stated I would get the bonus by XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was before XXXX when I was shopping for gifts online and found this amazing kitchen set. These were XXXX knives which I always wanted but they had always been expensive. It was a third-party website and all I had to do was to pay only half of the suggested price if I only I signed up for their credit card. It felt innocent to do so just to get this offer and I knew I would pay it off first thing next month and close it off. Weeks past, but I received no set of knives and no credit card from this online store. So, I just forgot about it and moved on. A few weeks ago, my colleague at work mentioned that she always checks her credit and stays on top of it. So, I thought it's not a bad idea to do the same. I went online to check my XXXX and was very curious on some accounts that were opened without my knowledge. So, I decided to list the ones I don't recognize and send them to the national credit bureaus for documenting. Please accept this and make a record of my reporting about these activities.
Product: Money transfer, virtual currency, or money service

Trying to send money to a friend in need. Came out of my account but never came thru on his end. Just kept saying that it was processing and then said he needed to verify something. This was in XXXX of 2024. Said pending in my account for a long time.
Product: Mortgage

I made a simple call to pay my mortage with my debit card ( from XXXX XXXX ) but they will not process it. Only want your checking acct info. In which i do not have. Just debit card ( / master card. but debit ). Moreover took several calls and long hold time to speak to a rep.. 
New company for me. They purchased my loan from chase. Not even 4 month 's into it they raised my payments up to XXXX from XXXX during the cov19 crisis. 

I asked for one month off. No help. Only told go website ( i dont have or want computer ). 
So paying it hard enuff. Now they want me have do all this extra stuff to make a simple payment wanting extra information on bank information they dont have to have. They just want it. One financial Institutuon should be able to take a debit PAYMENT from another bank or credit union. XXXX XXXX  is also mainstream. Debit cards are checking acct cards. So why is it they wont just process payment ez for simple customer. After auditing loan raising the minimum principle payment by XXXX $ a month.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and completeness of an account listed on my credit report, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). The details of the disputed account are as follows : Account Name : XXXX  Account Number : Ending in XXXX Status : Charged off as bad debt Balance : {$250.00} ( discrepancy with past due amount previously reported as {$280.00} ) Comments : Profit and Loss Write-Off Missing Information : No original creditor listed Reasons for Dispute 1 Inaccurate Balance Reporting : The reported balance is {$250.00}, yet prior information reflected a past due amount of {$280.00} without any explanation for fees, penalties, or interest. 
2. Incomplete Information : The account fails to list the original creditor, which is required under FCRA 609 ( a ) ( 1 ) to ensure credit report accuracy and transparency.

3. Verification of Debt : I request proper validation, including documentation proving the ownership of this debt, the accurate balance, and the justification for discrepancies.

4. Failure to Issue a 1099-C : If the account has been charged off and reported as a " Profit and Loss Write-Off, '' this typically constitutes a cancellation of debt. According to IRS regulations, creditors are required to issue a 1099-C form for canceled debts of {$600.00} or more. While this amount is less than {$600.00}, the status of " Profit and Loss Write-Off '' raises concerns about whether proper tax reporting occurred. I request confirmation on this matter, as failing to issue a 1099-C when required could be a violation of federal law.

Under the FCRA 611 ( a ), you are required to investigate and verify the accuracy of this information within 30 days. If the account can not be verified, it must be removed from my credit report immediately as outlined in FCRA 611 ( a ) ( 5 ). 
I appreciate your prompt attention to this matter.
Product: Credit reporting

Equifax has not noted to my credit file ( XXXX XXXX XXXX the creditor and dispute source ) that I have disputed this account as reported. Instead, Equifax says that it 'verified ' the account " as told by XXXX ''. My dispute has to do with the balance $ amount and my reason the account was not settled immediately. Equifax did not reflect on my credit report a dispute even after I provided to them my actual balance statement with XXXX posting errors and XXXX balance differences outstanding.
Product: Debt collection

On or about XX/XX/2018 Commonwealth Financial reported a new collection account on my XXXX and XXXX credit reports. Said accounts are posted as new and less than 30 days late payment. I am not responsible for this debt and have no knowledge of how this debt is associated with me. I have not incurred ANY type of medical debt that would be legally reportable or collectable. This account they have listed as account number XXXX is a violation of the FCRA and the FDCPA. I have never dealt with Commonwealth Financial and have no legal binding contract or agreement with them.
Product: Mortgage

I am the trustee of my parents estate, my parents had a reverse mortgage with Champion Mortgage. They had a credit line mortgage with no monthly payouts and still maintain XXXX dollars in equity in the home. I contacted Champion Mortgage, in XXXX of 2015, informing them of my mothers death and was told I needed to send a letter of intent and a copy of the death certificate. I sent XXXX by fax, my letter of intent stated I wished to refinance the loan. I hired an attorney who started the legal process of having me put on title. I also faxed a copy of the trust which I had to do several times as Champion stated that not all pages were received. I know this to be false as I had XXXX person there count the pages to me. My attorney had a court date in XXXX of 2015 of which I informed Champion and my attorney sent legal papers to to them. The court date was put off till XXXX XXXX 2015 of which we also informed Champion. I and my attorney received letters of default as of XXXX XXXX 2015. I contacted Champion and was told that the reason I had gone into default was that my trust was incomplete and was misssing page XXXX. I contacted my attorney and she also contacted Champion, and also was informed that page XXXX was missing.My attorney faxed a copy of the trust to their document department, and was told to have me check back in a couple of days. I checked back and they stated that they had not received the trust and the reason for default was that I had not secured funding for the refinance. I told Champion that I had contacted several mortgage companies, and was told that since I was not on title they could not help and to call back. I contacted a mortgage broker and explained my situation and my wife and I met with her. My mortgage broker explained to us that with a foreclosure listed on the property we will be unable to secure financing. I believe that Champion is trying to take advantage of this situation, I have kept them informed of the process and have been working the goal of refinancing the home. Champion new of my court date in XXXX and still filed the foreclosure knowing I would be unable to refinance. I have stated that Champion is still charging a monthly mortgage on the home and also list many fees which I do not understand what they are for. They have fees for inspections and mortgage insurance that I do not believe should be added on. My mortgage broker had me request a payoff, original copy of the note, and list of all disbursements. I contacted Champion and was told to submit in writing via fax, we have not yet received the information.. I have received tons of mail from their attorneys in Texas with the huge postal charge which I assume with added on to the mortgage. 
I have kept Champion Mortgage informed of the process and have followed their instructions all along the way. I can only assume the roadblocks they put up are so they can foreclose on the house.
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 to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I am writing to notify you that I am a victim of a data breach and to request that the following fraudulent account and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These entries were not authorized by me and are the result of fraudulent activity stemming from the data breach. 
Fraudulent Account : XXXX  Account : XXXX Date : XX/XX/XXXX Amount : {$0.00} Fraudulent Inquiries : XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Auto Finance is reporting inaccurate information on my consumer report. they are in violation of these laws. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Pursuant 15 USC 1681a 2 ( A ) ( i ) 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 ; Furthermore, pursuant to 15 USC 1681 S-2 - Responsibilities of furnishes of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
PROHIBITION : a law or regulation forbidding something How can a payment made on XX/XX/2022 causing an inaccurate mark for the month of XX/XX/2022? This is from your letter. 

You talk about the Fair Credit Reporting Act, and how TD Auto Finance is required to report all accounts fairly and accurately, but in the letter, you send me it shows that you are inaccurate you state in your letter that my XX/XX/2022 Payment effect XX/XX/2022 Payment.
Product: Debt collection

I received multiple illegal phone calls on multiple lines from McCarthy Burgess & Wolff for a debt collection that was likely due to identity theft. They provided almost XXXX information ( which is why I can only assume it was ID theft related ) and they hung up on me before I was able to request a Validation Notice which exactly what the CFPB says I should do. I using this resource requesting a Validation Letter from aforementioned firm. This was almost certainly a series illegal phone calls as if it regarding the " debt '' most recently claimed, it was filed with the police, so you are trying to collect from a fraud victim. I call on the CFPB to punish them for 1 ) illegally trying to collect from a fraud victim 2 ) Not giving information I am entitled to, by hanging up on me. This most recent conversation was on a recorded line.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) -I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft around XXXX XXXX XXXX I have been having issues with my credit for years. Moreover, most issues are resolved however some not. I have contacted the Credit Bureaus to ask them to investigate these collections/debts it is no knowledge, not mine. I dont hear anything from them but see its updated on file, I respond again because I not only see its from a residence Ive never resided, I see its an open account, which is impossible because I currently have same provider and have had same provider for at least a decade. I write the credit bureaus asking them to validate, again no validation or proof bearing legality. I have not been contacted by phone, by mail, by anything. My information has been the same for at least a decade. I even had a few credit cards, now paid off they have listed as charged off, which is inaccurate. I called these companies and they all say I should be contacting the credit bureaus. Its more confusing because all 3 major credit bureaus have conflicting information. I send them a photo copy of my valid current ID, a utility bill and my phone number asking them to PLEASE remove all the other listed wrong names and/or addresses on my profile, which were never mine, they never did that! I tried to contact the debt collector myself theyre so rude, they want all my personal information but if they rightfully have this or this was valid they would have that. Please help. I dont know what else to do! I dont know much about the FCRA laws, but since my identity was stolen and working to get it back on track, I know this is wrong. I know the way some of these collections agencies are wrong. Validate the debt. Credit bureaus do your due diligence if its not validated, remove it from profiles. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC has violated the Fair Credit Reporting Act. They have not responded in a timely manner with any results within 30 day to 45 day time frame. Involving my letters with erroneous credit inquires that i did not authorize, and that i do not recognize. I have sent them letters. They have signed and returned that the certified mail has been received with no response months later. I would like immediate deletions for this wrongfully credit inquires that have been put on my credit report without any authorization. I have already written letters to the companies involving this matter as well and they told me to deal with the credit breau, and TransUnion as not taken action to report to me the consumer in the time frame as agreed according to the FCRA. 
The inquires include XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The dates contained in my credit file for XXXX XXXX XXXX are incorrect. The date shown in the file is for a account with XXXX XXXX XXXX and not XXXX XXXX. The XXXX XXXX XXXX account was closed by the original creditor and the debt forgiven. XXXX XXXX XXXX is in direct violation of the FCRA. XXXX can only report debts that is owed to the original lendor or XXXX. XXXX XXXX XXXX   forgave the debt therefore XXXX XXXX no longer owes XXXX XXXX XXXX. XXXX XXXX is still pursuing the debt after the original lender dropped the debt. In accordance with the FCRA XXXX must produce documentation that XXXX XXXX has made an agreement that he owes a debt to XXXX consistent with the dates within the credit file. If XXXX can not produce documentation showing an agreement between them and XXXX XXXX the item must be removed or I will file a suit in Civil court against the credit agency and the debt collector.
Product: Mortgage

I am not past due on my mortgage and I attach again their representative sent me an email verifying they doubled my escrow balance and owe me a check for {$12000.00} I still have not received my check and would like my check immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I submitted a dispute with XXXX on XX/XX/XXXX regarding incorrect late payments reported by Santander on my credit bureau ( see attached ). In my letter I asked specific questions regarding these late payments and how they were reported. Never received a response. On XX/XX/XXXX, I sent another dispute ( see attached ) requesting additional information to which I never received a response. On XX/XX/XXXX I sent a third dispute ( see attached ) requesting the information again. I received an email saying their were dispute results, however the link does not allow me to see any results ( see attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I never signed anything requesting Transunion to run my credit. Please have the to send me a copy of the signed document authorizing these companies to pull my credit I'm a victim of identity theft and had filed a report with the Idenity.gov to report theft of my personal identity. Please have them to remove these from my Credit Report please. I am protected under the FCRA 1681c-1a2d XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

The following accounts were opened frauduantly, please delete as the information reporting to my report is false and identity theft. 

XXXX XXXX card services {$1200.00} opened XXXX XXXX XXXX card services {$5300.00} opened XX/XX/XXXX XXXX XXXX XXXX {$11000.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened {$38000.00} XX/XX/XXXX XXXX XXXX  XXXX {$2500.00} opened XX/XX/XXXX XXXX XXXX {$4500.00} opened XX/XX/XXXX XXXX XXXX {$1300.00} opened XX/XX/XXXX XXXXXXXX XXXX XXXX {$7400.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following " hard inquiries '' are being reported by all three credit bureaus ; ie, XXXX, TransUnion, and XXXX. I did not authorize these inquiries. 

I have disputed this information directly with the credit bureaus and the requesting companies, and I have not received any acknowledgment of my complaint or any response whatsoever. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, AZ XXXX ( XXXX ) XXXX