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

Chase g ave me  a Tax Year   XX/XX/XXXX Form  XXXX .  <P/> I filed and paid taxes on {$13000.00} in which ; I owed less than {$13000.00}.  <P/>  XX/XX/XXXX   XXXX   XXXX  ( est ) I spoke with "  XXXX  ''  of Chase co ncerning form  XXXX . I asked, " Is this what I should be receiving? ''  XXXX  told me, " call back next week. ''  XX/XX/XXXX  I called back  XXXX . I spoke with  XXXX   XXXX  concerning form  XXXX  " Is this what I should be receiving? ''  XXXX   XXXX  submitted a work order.  <P/>  XX/XX/XXXX  I called back and spoke with  XXXX   XXXX ,  Senior Service Specialty.   XXXX   XXXX  said, " Yes, I should have received form  XXXX  '' I stated, " I have continued to make my payments and I sent a form requesting my account to stay open ''.  XXXX   XXXX  said, " I should continue to make payments if, I want to keep my home but,  XXXX  do not have to accept my request. ''  XXXX   XXXX  then turned my call over to  XXXX   XXXX .  <P/>  XXXX   XXXX  said, " I was flagged bankruptcy interest. ''  XXXX   XXXX  then turned my call over to Account Service  XXXX   XXXX   (  or  XXXX   )  to request  XXXX  amended adjustment current principle.  <P/> I have continued to make regular on time payments t o Chase.  Last payment sent was  XX/XX/XXXX .  <P/>  XX/XX/XXXX  I received a noticed.  Chase has cha nged my line of credit account number and I am to send payments to a " new account number '' starting in  XX/XX/XXXX .  <P/> Is this an attempt to violate federal consumer financial laws?
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA the following companies XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX NTL Recovery Agency account XXXX, & account XXXX have violated rights 15 U.S.C 1681 section ( A ) ( 4 ) I have the right to privacy 15 U.S.C 1681 section ( B ) ( a ) ( 2 ) nothing can be furnished to my consumer report without my written consent 15 U.S.C 1681 section ( A ) ( 3 ) ( a ) ( b ) ( c ) any medical bills or information should not be on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XX/XX/2017. 
I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance : {$900.00} XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$24000.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX  XXXX XXXX Balance : {$430.00} XXXX  XXXX XXXX Balance : {$190.00} XXXX  XXXX XXXX Balance : {$910.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX  XXXX XXXX Balance : {$160.00} XXXX  XXXX XXXX Balance : {$140.00} XXXX  XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX, I have been disputing 2 Chase accounts that appear on my credit report. I have disputed these items with the creditor directly, as well as with the 3 major credit bureaus : XXXX, XXXX, and XXXX. I have requested that they investigate the accuracy of the information, because it is not reporting correctly. There is currently no balance due on these accounts, because they were settled. However, I continue to see several inaccuracies on my credit report and the information that is reporting. Each credit bureau is reporting conflicting information. 

To date, all that I continue to receive are copies of statements, and requests for me to supply Chase with more information in order for them to investigate the account. I am unclear as to why I need to help Chase investigate an account, when they are the ones furnishing the inaccurate information to the credit bureaus. 

In addition, I have a response from Chase dated XX/XX/XXXX where they confirmed that they are required to provide accurate information to the consumer reporting agencies and can make changes to their reporting only if its incorrect. However, ALL of this is currently incorrect : -High balance is reporting inconsistently across the 3 bureaus -Last verified date is inconsistent -Date of last activity is inconsistent -Date reported is inconsistent -Date opened is inconsistent -Closed date is inconsistent -Account rating is inconsistent -Last payment is inconsistent -Credit limit not reporting on XXXX -Dispute remark missing
Product: Vehicle loan or lease

I have asked several Times during the course of the loan before repossession during covid for a break down that showed the payments and how much was going to interest verses principle as the balance didnt seem to work out. I was told they only had to provide the information in my website portal and that was just a balance that dropped with no breakdown. After repossession during COVID even though I filed as having difficulty due to covid I asked several times for the original contract and a breakdown of the payments and what I owe. I have never received anything
Product: Mortgage

I started a refinance for my single family home with XXXX XXXX at EN Trust Funding out of XXXX AZ & paid {$750.00} out of my own pocket for the appraisal. I decided to go with a different lender & XXXX is refusing to transfer the appraisal to my new lender. XXXX also tried to get me to sign a loan document after I told him I was using a different lender by having someone in his office send me the DocuSign to sign for the refinance. I feel he was trying to trick me to sign with him because when I hit reply all his name came up he had XXXX copied himself. Because if I saw his name I would not have even opened the document to sign.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address, these address do not belong to me ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

USAA never issued me a XXXX for a charge off reporting on my credit report showing a charged off balance of {$11000.00} opened XXXX closed XXXX. I try logging in to my usaa account about this and they will not allow me to log in using my username. i tried to reset my password through my phone and email but there is nothing they will do. 

Generally, a creditor must file a Form 1099-C if : ( 1 ) debt in the amount of {$600.00} or more has been discharged ; ( 2 ) the creditor is an applicable entity; and ( 3 ) an identifiable event has occurred. A Form 1099-C must be filed in the year following the calendar year in which the identifiable event occurs ( XX/XX/XXXX to debtor ; XX/XX/XXXX to the IRS if paper-filed, and XX/XX/XXXX to the IRS if e-filed ) XXXX Finally, the only cancelled or discharged debt that must be reported on a Form 1099-C is the principal amount of the debt owed ; however a creditor may report the interest and penalties forgiven if it so chooses.

The pertinent Treasury Regulation defines indebtedness for Form 1099-C reporting purposes as any amount owed to an applicable entity, including stated principal, fees, stated interest, penalties, administrative costs and fines. The amount of indebtedness discharged may represent all, or only a part, of the total amount owed to the applicable entity. Treas. Reg. 1.6050P-1 ( c ). An applicable entity includes government agencies ( including the Small Business Administration ) and applicable financial entities, which consist of financial institutions ( their subsidiaries ), credit unions, the Federal Deposit Insurance Corporation, and any organization a significant trade or business of which is the lending of money. IRC 6050P ( c ).

An identifiable event generally triggering a Form 1099-C reporting obligation includes : ( 1 ) a bankruptcy discharge ; ( 2 ) a cancellation/extinguishment that renders a debt unenforceable in a receivership, foreclosure, or similar proceeding ; ( 3 ) a cancellation upon the expiration of the statute of limitations for collection of an indebtedness or upon the expiration of a statutory period for filing a claim or commencing a deficiency judgment proceeding ; ( 4 ) a cancellation pursuant to an election of foreclosure remedies by a creditor that statutorily extinguishes or bars the creditor 's right to pursue collection of the indebtedness; ( 5 ) a cancellation that renders a debt unenforceable pursuant to a probate or similar proceeding ; ( 6 ) a discharge pursuant to an agreement between an applicable entity and a debtor to discharge indebtedness at less than full consideration; and ( 7 ) a discharge pursuant to a decision by the creditor, or the application of a defined policy of the creditor, to discontinue collection activity and discharge debt. 

The failure by a creditor to file a Form 1099-C may result in penalties under IRC 6721 and 6722. The amount of penalty for the failure to file a correct Form 1099-C by the due date ( IRC 6721 ) is based on when the Form 1099-C is filed :
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$25000.00}
Product: Money transfer, virtual currency, or money service

I am following a complaint against Cash App ( Block ) due to inadequate customer service and unfair practice which violates the consumers 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 in financial loss, and I seek appropriate Redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION HAS DROPPED MY XXXX XXXX BY XXXX POINTS OVER NIGHT AND THERE IS NO CHANGE WITH MY CREDIT. THIS HAS HAPPENED TWICE WITHIN 90 DAYS. THE FIRST TIME WAS THE END OF LAST YEAR BUT THEY RESTORED THE SCORE ASAP. THIS TIME IT HAS HAPPENED AGAIN IN THE MONTH OF XX/XX/2023. This IS RIDICULOUS. ONLY XXXX CONSUMERS ARE HAVING THIS ISSUE. THIS IS SO XXXX.I CALLED AND I WAS TOLD TO FILE A COMPLAINT. THIS IS SO UNFAIR.THERE IS NOTHING WRONG ON MY SIDE. I KNOW THIS IS UNETHICAL
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : XXXX XXXX TransUnion for XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXXXXXX Account Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXXXXXX account with the following details : Account Number : XXXX High Balance : {$4400.00} ( TransUnion, XXXX ) ; {$4000.00} ( XXXX XXXX Last Verified : XX/XX/XXXX ( TransUnion ) ; Not Verified ( XXXX, XXXX XXXX Date of Last Activity : XX/XX/XXXX ( TransUnion ) ; XX/XX/XXXX ( XXXX, XXXX XXXX Date Reported : XX/XX/XXXX ( TransUnion, XXXX ) ; XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Paid Account Status : Closed Payment Status : TransUnion : Late 30 Days XXXX : Late 30 Days XXXX : Current Creditor Remarks : TransUnion : Canceled by credit grantor XXXX : Account closed due to inactivity XXXX XXXX Closed or paid account/zero balance ; Accounts closed by credit grantor Payment XXXX XXXX {$0.00} Credit Limit : {$4000.00} Two-Year Payment History : TransUnion & XXXX : Reports a XXXX late payment. 
XXXX : Current with no late payments noted for the two-year history. 
Despite multiple requests for correction via letters dated XX/XX/XXXX and XX/XX/XXXX, my requests have been ignored. This failure to address inaccuracies violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of consumer files. The inaccurate reporting of a 30-day late payment, which is inconsistent across credit bureaus, indicates negligence in adhering to this mandate.

TILA Violations According to 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement, directly impacting my creditworthiness.

Impact on Creditworthiness The inaccurate late payment notation has caused significant harm to my credit score and financial opportunities. The discrepancies between the bureaus further emphasize the need for immediate correction.

Desired Resolution I am formally requesting the following : Immediate removal of the inaccurate 30-day late payment notation from my credit report across all three credit bureaus.

Written confirmation of the corrections.

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the appropriate authorities.

Thank you for your attention to this matter. I look forward to a resolution within the timeframe specified under the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, TransUnion sent me the result of a dispute I made with them regarding an account that was incorrectly shown on my credit report. The account showed up in XX/XX/XXXX. The company reporting the incorrect information is XXXX XXXX XXXX # XXXX in XXXX, IN. The amount shown is {$410.00} from XXXX XXXX XXXX. 

The original bill for XXXX XXXX XXXX was for my husband, XXXX XXXX. He went to the hospital on approximately XX/XX/XXXX. He killed himself on XX/XX/XXXX. I have supplied the death certificate to XXXX XXXX XXXX on two occasions in XXXX and asked that they remove the account from their records. They stated they would, but instead sent it for collections later that year. I spoke to the collection agency in XXXX and explained the situation. That collection agency stated they would remove the account ; however, in late XX/XX/XXXX, XXXX XXXX sent me a collection letter. I replied to XXXX explaining the situation ( in writing ), as well as over the phone stating that the debt does not belong to me. In XX/XX/XXXX, the company put the account on my credit report. I reported the error to TransUnion and XXXX. XXXX removed the account as their investigation found that the transaction was incorrect. TransUnion failed to remove the account stating the account is accurate. TransUnion is wrong and needs to remove the account.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( XXXX  ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Product: Credit card

I looked on XXXX XXXX and noticed a new hard inquiry from kohls and I did not apply for the credit card. I called customer service and they said they would cancel and close the account and have not done so yet. The customer service agent said that the fraud department would call me and they have not up to this point
Product: Credit reporting or other personal consumer reports

Experian is the ONLY credit bureau showing inaccurate information on my credit report. After going back and forth between Experian and the credit company XXXX for a whole year, this was XXXX only helpful response : It appears that this is a problem with Experian. We report the same data to all the credit bureaus, and our practice is to report accounts that have been paid off after charge-off as " XXXX '' with a XXXX balance. 

Experian states that XXXX verified the inaccurate information even after I provided a XXXX XXXX XXXX as proof that the account was paid off/inactive as of XXXX XXXX Experian refuses to correct the remarks on my report, the status of the account, and the history of the payments even after I provided proof. 

Ironically, the history of the account has been reported as ND ever since I began the dispute process a year ago. Meaning that if I never disputed it, Experian would likely have still reported this account as a charge off that was never paid, which is false and grossly unfair to me. Although the account unfortunately was late and hit a charge off, it makes a difference to report that it was ultimately paid off in full to the creditor and closed. 

I am requesting that the history of the account be corrected to terms met starting for the month of XXXX XXXX XXXX, when I paid the account off in full and NEVER used it again. The account has since been inactive and closed. Additionally, a remark needs to be added as paid with a XXXX balance in which XXXX states that is what they report to all bureaus.
Product: Mortgage

We currently hold a mortgage loan with XXXX XXXX XXXX Loancare. In XXXX we refinance with them and then they contacted us to refinance this year. In the process, we determine that they miscalculated the numbers ( an increase of {$260.00} ) once pointed the error out to them they realized it was incorrect. They were going to adjust it internally moving forward onto the new refinance. This was XX/XX/XXXX and set to close no later than XX/XX/XXXX, it is not XXXX and we person we have worked with will not call us back to resolve the refinance or close or fixed the incorrect mortgage amount. We have tried to escalate to loan managers and no return phone calls, email, and contact us online.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report I must inform you that I am NOT responsible for the listed account ( XXXX ) as I have been a victim of identity theft. Ive already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Pursuant to the F.C.R.A. 605 ( b ) / 15 U.S.C. 1681c-2 you are required to block and remove information identified as the result of identity theft from a consumer report no later than four ( 4 ) business days after receipt. I am instructing you to please delete the following fraudulent account ( s ) and inquiries from my consumer report immediately. Additionally, there is also inaccurate personal information being furnished on my consumer report that must be removed immediately. Please see attachments for further details.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX2023 I spoke with a representative at Transunion and ask to dispute some things on my credit report which he did allow. However, when I told him that I would like to dispute some inquires I was told that I can not dispute inquires and I will have to call the creditors and ask for a letter of deletion and send the letter to them if I wanted to have an inquiry disputed.
Product: Credit card

I closed my XXXX account on XX/XX/year>. I received credit after the closing so I had a negative balance. The billing cycle ended on the closed account XX/XX/year> and there has been no issuance of a credit refund check. They are holding my money and I never agreed to loan them money on a closed account. They owe me daily interest on the balance they owe me. Such a deceitful and shady company with unethical business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes for all incorrect information on my credit report with experian. alot of data is invalid an needs to be removed asap. please review all information submitted.