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

I CONTACTED XXXX, EQUIFAX, AND XXXX - CREDITOR NAME IS XXXX XXXX XXXX XXXX, SENT ID THEFT REPORT, POLICE REPORT, PROOF OF IDENTITY AS YOU CAN SEE ATTACHED THIS WAS REMOVED/DELETED FROM MY XXXX AND OTHER REPORTS XX/XX/2022, NOW IN XX/XX/2022 THIS ITEM IS BACK ON MY CREDIT REPORT THIS IS FRAUD AND IDENTITY THEFT, PURSUANT TO SECTION 605B OF THE FIR CREDIT REPORTING ACT HOW CAN THIS HAPPEN IVE ALREADY SENT ALL DOCUMENTATION PROVING IM A VICTIM OF IDENTITY THEFT, HOW RE YOU REINVESTIGATING SOMETHING ALREADY BLOCKED AND REMOVED DUE TO IDENTITY THEFT?
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Wells Fargo Card Service and XXXX XXXX. The Account Opened is Wells Fargo Card Service Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}. The Account Opened is Wells Fargo Card Service Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX XXXX XXXX partial account number XXXX. They are reporting that I am 60 days late. This account actually needs to be coded as an M1. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

Trying to maintain a membership with XXXX XXXX is incredibly overwhelming and has not benefited me in any way. I took over the membership in XXXX and have not used it, or even seen it. Ive been expressing my concerns since XXXX and XXXX XXXX has been incredibly dismissive. Instead of providing the assistance I requested, they placed my account with a collection agency ( Aspen National Collections ). My credit has been severely impacted due to this. I sent written communication to Aspen National Collections to cease their collection efforts and informed them that I was contacting XXXX XXXX to resolve this matter, but Aspen National Collections has continued to place derogatory marks on my credit despite. 



XXXX XXXX  needs to honor my request to end my membership and Aspen National Collection needs to cease all collection efforts and be removed from this equation. I will pursue my desired resolution through whatever means necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX,
Product: Checking or savings account

They were charging me {$15.00} for banking with them even though I had savings and that was there contract either if I kept depositing over XXXX a month or having a saving account with the transfer account every month I had XXXX of each of those things and they kept charging me monthly fee of {$15.00}
Product: Credit card

i received a call from a complany XXXX XXXX and associates stating that I had owed monies from XXXX to a XXXX financial and that they took over the company. I believed them because this was the time I was going through a divorce and I did owe money. They stated that I owed XXXX but they would settle for XXXX in XXXX payments of XXXX so I believed them because I did owe money from back then and gave them my num, ber over the phone in which they took out the XXXX on XXXX/XXXX/XXXX. When I called them on Monday because they were supposed to send me an email with the agreement the lady on the the telephone was very shady. Thenumber I called for XXXX and associates was XXXX. I called to check up on that num, ber with the division of banks and they told me there is no such company and that number is a fake number so they instructed me to \file a complaint.
Product: Credit card

On XX/XX/2023 my capital one credit card was used to make a purchase in the amount of {$1100.00} at a XXXX XXXX that purchase was not made nor authorized by me, I called and informed my credit card company ( Capital One ) they sent me a letter 5 days later stating that after researching your case we found insufficient evidence of fraud - When I reached back out to them after letter to see how hey came to this decision they told me it couldn't be fraud because I still had my card, and chips can't be fraud, I was upset anger and hurt that I was on the hook for something I didn't do. My nephew was just the victim of fraud as we discussed I explained to him that I too had been a victim a few months ago and that I had been forced to pay it back and the reason he then told me that's not true he then went on XXXX and showed me the blank credit cards with the chips on them that you can buy for very cheap, he then XXXX can cards with chips still be duplicated and they can very easy, however capital one wants to force me to eat the lost instead of them and this is not right I have never been in a XXXX XXXXXXXX in the state of Florida.
Product: Debt collection

COME NOW, LVNV FUNDING LLC is attempting to collect a debt that has been properly tendered and set-off via 1099-C for year XXXX received and accepted by the original creditor and returned to me for record. 

They are now in violation of 1. Violation of the Fair Credit Reporting Act ( F.C.R.A. ), 2. Violation of the Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p 3. Defamation of character 4. Unauthorized use of my personal information. 
5. False Misrepresentation and Identity Theft considering no one from the XXXX XXXX XXXX, Estate as authorized nor signed any agreement with LVNV FUNDING LLC. 
6. Collection of extensions of credit by extortionate means.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes to XXXX, XXXX, and Transunion via mail on XX/XX/2020. 30 days later I received no response so I sent them all my disputes again. We are now toward the end of XXXX and its been almost 45 days and nothing. Not a letter, not an update- nothing. 

According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

To : U.S. Department of Education Student Privacy Policy Office XXXX XXXX XXXX, XXXX XXXX, D.C. XXXX Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ). 
2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
3. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 
Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements. 
2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. 
3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 
4. Immediate notification to all major credit bureaus ( XXXX, Experian, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. 
This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 
I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 
Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting 4 charge-off accounts that's been charged off since 2016 with inaccurate dates as well as missed payments days as well. Also, XXXX have violated 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS 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 As stated by the IRS, Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting the 4 accounts XXXX is reporting as charge-off accounts being inaccurate! 

By Definition, The IRS Clearly says a Cancelled or Charge off is Income. The reporting of this account as a debt is in accurate. 15 USC 1681 s-2 Says XXXX, are a furnisher of information to a consumer reporting agency. Per this regulation I stated, XXXX by law is prohibited to furnish inaccurate information. XXXX is not doing nothing about it and it is effecting me and my family. 

I have attached my XXXX report and highlighted the XXXX charge-off accounts that are in question to show them being inaccurate as well as payment history for the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate if your taking the time to CORRECT some of the information in my credit file ; I discover, there are still other account that need to be UPDATED. The XXXX and Equifax credit bureau must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XX/XX/XXXXDate Opened : XX/XX/2020 Balance : {$5400.00}
Product: Debt collection

Hi My name is XXXX XXXX XXXX. 

We were living in XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. During our move out in XX/XX/2022. We left the apartment upon proper notice. During move out we gave our new address to the XXXX management to get our {$500.00} depoist back. 

After few months instead of getting our security depoist check we got the notice that you have to pay the pending charges of {$1600.00} after the adjustment of {$500.00}. We tried to call them multiple times but got the answer that these are the damaged charges. 

After few months we started getting calls from the Debt Collector Genesis that you owe this amount to XXXX apartments. I disputed that amount by writing to them that please provide the details regarding the damage. They never provided anything. 

Few Days earlier my credit score got a huge impact due because debt collector reported that amount on our credit history.I called them to ask for the details, their resposne that by law they are not bound to provide the damage details. 

i can't understand what kind of charges they are asking for. Where is the move out inspection report of that time. They never provided anything. We always provided our rent. Now they are torturing us and it's very bad to see like that someone is calling us to pay the money and don't want you provide any details.
Product: Mortgage

On XX/XX/XXXX I received my XXXX IRS Form 1098 from my mortgage servicer - PennyMac Loan Services , LLC . To my dismay the form stated I paid {$0.00} in real estate taxes in XXXX. I checked my online account and saw that XXXX property taxes were only on XX/XX/XXXX. Since PennyMac has been my loan servicer ( XXXX and on ) they have always paid my property taxes on or prior to XX/XX/XXXX of that calendar year. 

I contacted PennyMac customer service and was told a notification letter was sent out in XX/XX/XXXX that said the payment date was going change and customers has an opportunity to opt out. I never received the letter and asked for proof mailing and receipt, but all I was told was that their systems showed the letter was " accepted. '' I checked my online message center on PennyMac 's website and saw no such letter or document ( see attached ). 

I will now be owe about another {$4000.00} in federal income taxes due to {$0.00} of real estate tax deductions for XXXX. PennyMac said they made the change to align with the tax due date of XX/XX/XXXX, but my sense if that they want to hold onto customer escrow fees for additional time so they can earn additional income/interest for that time. 

PennyMac failed to properly notify customers of a change in longstanding practice that will cost them thousands of dollar in federal and state income taxes. 

Kindly assist with resolving this issue.
Product: Checking or savings account

XXXX   app requests bank transaction status to deposit funds. App states that  Wells Fargo doesnt s end updated information in a timely manner.
Product: Debt collection

I am writing in response to a collection notice I received regarding the account # referenced XXXX. I dispute the validity of this debt and demand that you provide proper validation and verification in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and relevant consumer protection laws. The account is being inaccurately reported as a " past due balance '' on my credit report, which is a blatant violation of my rights as a consumer. This inaccuracy is severely impacting my creditworthiness and causing significant harm to my financial reputation. 

Your company 's failure to maintain accurate reporting and compliance with federal laws has caused me undue financial burden and stress. The negative impact on my credit report has affected my ability to secure loans, obtain favorable interest rates, and has tarnished my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute incorrect items with Experian since XX/XX/2023. They continue to respond that they can not find my credit file. I have furnished all of the documents they have requested twice already, and still get the same response from them. I am pulling my credit report from them directly, have called their customer service # and the representatives can locate my credit report.

I am attaching a copy of everything that I have sent to them including the original dispute request dated XX/XX/2023. Please assist in getting Experian to do their duty to investigate these discrepancies. 

This is causing me extreme anguish, XX/XX/XXXX, and countless other issues in my day to day life.
Product: Mortgage

I started off with XXXX XXXX, then they sold my loan to Indymac, then they sold my loan to Ocwen, and ever since ocwen took over every year I have to pay them more money as they are always short on my escrow. So I pay the shortage, this year I received a check for escrow overage and then no more of me cashing the check I get a nitice that they are short on escrow again and I have to pay it back, also I have been out on work comp. for almost the last 5 yrs. so the last 2 years I have applied for a loan modification and been turned down, I am at a 7.125 % interest rate so they just keep telling me to put my house up for quick sale. So what can I do??
Product: Vehicle loan or lease

After reconciling this loan for a second time, I found that Chrysler Capital has been miscommunicating with me since XXXX regarding my loan which caused issues with my payments that should not result in my having to pay the late fees and be punished by reporting late payments on my credit reports as it is not my fault they have failed to communicate with me. If they do not communicate with me properly through all communication channels then how am I supposed to know there is any discrepancies with my books vs. theirs. After this last reconciliation of my account, I found the following issues : 1. My email address was changed back in XXXX from XXXX to XXXX. I notified Chrysler Capital AND the old email has a auto rely that states it is no longer monitored and to please use/change to the new one. They were email statements only to the old email address. I have not received proper communication as a statement or letter regarding the loan to a correct email address OR to my physical address. I had nothing to reconcile against monthly which resulted in me making double payments on a couple different occasions then skipping the next month thinking that I was paying twice to pay ahead. This was found to be wrong while MYSELF reconciled the account in XX/XX/XXXX to find this was incorrect.

2. I changed my cell phone number to XXXX back in XXXX and notified Chrysler Capital on multiple occasions. When reconciling this account I FOUND that all those statements I never received because they had the wrong email AND I was not receiving anything in the regular mail ALSO stated that my main phone number was " invalid ''. They never updated my phone number. This resulted in them not communicated with me correctly. If there was any discrepancies on my account, they should have notified me so I could have taken care of it sooner than when I actually reconciled the account in XX/XX/XXXX. 

3. My work number has not changed either. When reconciling the account I FOUND that all those statements I never received because they had the wrong email AND I was not receiving anything in the regular mail ALSO stated that my work phone number was " invalid ''. This is false information as my work number is still an active number. This also resulted in them not communicated with me correctly. If there was any discrepancies on my account, they should have notified me so I could have taken care of it sooner than when I actually reconciled the account in XX/XX/XXXX. They could have reached me at work at any given time.

4. This is a joint account and they have the joint account holders information. Once again if there was any discrepancies on the account they could have contacted them to get this resolved instead of waiting for me to " CATCH '' the issues. 

How am I supposed to know their is a discrepancy if I am I'm not notified correctly to reconcile when on my accounting books I showed something different then them? This is poor communication and miscommunication by Chrysler Capital that I should not be punished for. If I would have known about the discrepancies sooner that I would have resolved them before XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX 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