23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Approximately XXXX XXXX opened Checking/Saving Accounts with USAA. However, suspected USAA were slowly stealing funds from account. This was more evident when around XX/XX/XXXX a substantially large amount of funds were taken in order to deplete my account of funds to intentionally cause default in Mortgage and Car loan. Approximate amount undetermined. However, {$43000.00} was deposited in XX/XX/XXXX and 8months later all funds were missing. Disputed with bank but was told that no transaction exist to support complaint. I asked bank to utilize all transactions for entire year ; but, was again denied.
Product: Credit card or prepaid card

Chase closed my account w credit card and checking in good standings without clear explanations in 2020
Product: Credit card or prepaid card

I am behind on my account. On XX/XX/2023 I entered into a payment arrangement to pay {$130.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023 to bring the account current. On XX/XX/2023 I was charged a {$40.00} late fee. 

I called them today to find out why I was charged a late fee if I am on a payment plan. They stated they will still charge late fees because the account is past due. If the account wasn't past due, I would not need a payment plan.

It was not disclosed to me that I would still be charged a late fee after entering the payment plan. This is a deceptive practice and falls under UDAAP.
Product: Debt collection

They called me and I asked how to dispute this because my insurance was billed incorrectly and I was told that I signed something with them to pay it and I HAVE TO PAY IT and ask to be refunded. There was no option of figuring out how to dispute it or go back I was told that I signed something ( I did not and received no notice of collections ) and that I had to pay it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( no account number is presented on credit report ), has violated my rights by reporting its fraudulent, identity theft, debt buying account to XXXX credit bureau in an effort to knowingly collect a debt it is not owed. XXXX is reporting an open account to XXXX damaging my credit and my reputation as a consumer. I have no open accounts with XXXX, nor have I ever done business with XXXX, which is why its does not report an account number. I have disputed this fraudulent identity theft account before in an effort too permanently remove it from my credit bureau report. When I dispute, it is removed and then put back on my credit report again. I have requested a copy of the original credit application with my signature showing I opened any such account, as of yet, I have not been provided a credit application with my signature and/or a response to my request for said original credit application. XXXX XXXX XXXX, has violated my rights under these codes : 15 U.S. Code 1681 ( a ) ( b ) - Congressional findings and statement of purpose 15 U.S. Code 1692e - False or misleading representations A debt collector may use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. XXXX XXXX XXXX, has violated my rights by continuously reporting an inaccurate collection account to credit bureaus. 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a certified letter to each of the credit bureaus requesting that the incorrect information on my credit report removed. As of today, XX/XX/XXXX, I have not received any communication pertaining to this matter. My full name is XXXX XXXX XXXX XXXX My birthday is XX/XX/XXXX and my correct and only address is XXXX XXXX XXXX XXXX XXXX GA XXXX. All other information needs to be removed immediately. This is the letter that I sent : I am writing to formally demand the immediate removal of incorrect personal information currently reflected on my credit report. My full name is XXXX XXXX XXXX XXXX, and my date of birth is XX/XX/XXXX. My correct and only address is XXXX XXXX XXXX, XXXX, GA XXXX. 

The following information on my credit report is incorrect and must be removed immediately : Name Discrepancies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple variations ) Previous Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX XXXX demand XXXX all incorrect names, addresses, and other personal information be removed from my file immediately as they are not accurate or relevant to my credit history. This erroneous information could impact my creditworthiness and lead to further confusion. 

I expect prompt correction of my file and written confirmation that this matter has been resolved. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX National Enterprise Systems XXXX XXXX XXXX XXXX, OH XXXX To Whom It May Concern, I am writing to formally dispute the current status of the above-referenced credit card account and to request the issuance of IRS Form 1099-C for the cancellation of debt associated with this account. This account was reported as charged off by XXXX XXXX XXXX XXXX, and I believe it qualifies for cancellation of debt reporting under the applicable Internal Revenue Code ( IRC ) and IRS regulations. 



Account Holder Name : XXXX XXXX XXXX Account Type : Individual Credit Card Date Opened : XX/XX/XXXX Charged-Off Amount : {$22000.00} Credit Limit : {$20000.00} Balance as of XX/XX/XXXX : {$22000.00} Past Due Amount : {$22000.00} Last Payment Date : XX/XX/XXXX Original Charge-Off Amount : {$22000.00} High Balance : {$22000.00} Creditor Contact : XXXX XXXX XXXX XXXX As stipulated in 26 U.S. Code 6050P, a creditor must file Form 1099-C when a debt is canceled or forgiven in an amount greater than {$600.00}. The amount of the charge-off for this account exceeds {$600.00}, and it remains unpaid. Under these circumstances, I believe the cancellation of debt for this account should be reported to the IRS, and a 1099-C should be issued.

Additionally, 26 U.S. Code 6050P ( b ) ( 1 ) clearly mandates that any debt canceled in excess of {$600.00} must be reported by the creditor. The cancellation of this debt qualifies under the relevant provisions of the IRC and IRS guidelines. I request that the Form 1099-C be issued for the XXXX tax year, and that it be sent to my address on record. 

I also reference IRS Publication 4681, which addresses the requirements for reporting canceled debts, including credit card charge-offs. The IRS requires creditors to file Form 1099-C in cases where the debt is charged off and exceeds the {$600.00} threshold.

If there are any exemptions or reasons why this account would not qualify for reporting under the IRC, I request that you provide written documentation and supporting case law or IRS guidelines. I expect this matter to be resolved within 30 days from the date of this letter, and I request that the completed 1099-C form be sent to my address no later than XX/XX/XXXX, in compliance with IRS filing deadlines. 

Thank you for your prompt attention to this matter. Please confirm the status of my request in writing. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted to the Credit Bureaus last XX/XX/2022. I discovered that some of the information being reported by some accounts on my credit report are incorrect when I reviewed it. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX These accounts are reporting erroneous information and I want the Credit Bureaus to correct these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were 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 this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX DP OF EDUC XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$2800.00} US DEPT ED XXXX Balance Owed : {$6200.00} USDOEXXXX XXXX US DEPT ED XXXX Balance Owed XXXX {$2300.00} DP OF EDUC XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Checking or savings account

My situation is very simple. I am a protected XXXX veteran who used Chime Financial whose services are ran through XXXX XXXX  and XXXX. I received my XXXX compensation as well as my job which is commission based as my funding source. My account has {$21000.00} in my checking account. Most was formerly transferred to my savings to my checking account by Chime themselves. I received an email saying that my accounts were closed and Ive contacted their customer service numerous times. The replies that i have been receiving has been nothing but automated responses. They have not made any effort to inform me on the cause of my account closure and refuse to give me my funds. I have filled a complaint/review through the XXXX as well.
Product: Mortgage

Company : Loan Depot Type : Mortgage Re-finance Loan # : XXXX MIN : XXXX History/Reason for Complaint : - Documents were signed by me and sent back through the Notary for closing. It has been over 3 weeks since signing and LoanDepot has not closed or re-funded my re-finance yet. 

- No communication is being provided by LoanDepot as to an XXXX for closure OR why the re-fi is not closing from their end. I have asked for status updates on email atleast 3 times and have called them several times but was unable to get an answer from the company. 

- I had specifically asked XXXX XXXX ( Loan Officer ) how long would the re-fi process take at the time of sale and she wrongly said it could take as long as 60 days but in most cases loans close within 30-45 days. We are at over 90 days today since the rate lock and i am being left in the dark as to why my loan is not closing. See below for emails asking for update on my loan closure. 


Other Complaints against Loan Depot : - - I called LoanDepot asking for a re-fi on XX/XX/2020. They gave me a rate of 2.625 for 30 year fixed and said there would be no fees or closing costs like Title Company Fees or Title Closing Fees etc associated with the loan. The answer i got from XXXX XXXX ( Loan Officer at Loan Depot ) was that there would be NO fees or cost associated with the loan. 

- Upon receiving the closing document I saw fees worth $ XXXX were levied to me. 

- XXXX XXXX was XXXX XXXX Manager called me to discuss this and spoke very unprofessionally over the phone. He tells me to canceling the loan would be my best option. Really? I mean after making a customer wait 60 days with lies the company asks customers to cancel? 

- I escalated this to XXXX XXXX boss ( Mr. XXXX XXXX ), who asked Customer care to initiate an enqury. I never heard back on the findings. Finally, Mr XXXX tells me there was nothing LoanDepot could do to honor their own words about removing the closing costs. Several emails were exchanged during this communication. 

- At this point, i had given up and accepted to bear the closing costs because the only other option that was provided to me was to cancel the loan. XXXX had asked Customer Care to look into the call transcripts to find out details but no one from customer care or service ever responded back.
Product: Credit reporting or other personal consumer reports

Attn : Consumer Relations FINAL NOTICE RE : DEMAND FOR DELETION OF LISTED ITEMS/Per 1974 Privacy Act Also see ; Gramm leach Bliley act 15 U.S. Code & 1681- Congressional findings ad statement of purpose ( 3 ) consumer reporting agencies have assumed a vital role ... ...... 
WHERE DO YOU GET YOUR AUTHORITY Consumer Relations Dept : THIS SHALL PROVIDE YOU FORMAL WRITTEN NOTICE of numerous violations of FCRA consumer law statute, regarding said personal private credit file. 
Per the FCRA, I am entitled to have a fair and accurate credit report. 
1974 PRVACY ACT, you have the right to privacy., 15 US code 1681 602A the right to privacy,.

15 US code 1681 604 A cra can not furnish an account without my written permission., See non-public personal information., 15 US code 6802-obligations with respect to disclosures of personal information 1. Notice requirements ; 2. The term affiliate means any company that controls, is controlled by, or is under common control with another company.

A person can only report to a affiliated corporation., A affiliated corporation is one in which the reporting person has a 51 % or greater controlling interest., 15 US code & 1681s-2 ( 7 ) Negative information 1. Notice to consumer is required 1. In General ; any financial institution that extends credit ... ... ... ... shall provide a notice of such furnishing of negative information, in writing, to the customer.

This shall be done 30 days before, or after furnishing of any such negative information.

Reporting of any alleged debt, as if it is a actual debt, ( never verified/validated or court order ), is ultra- vires action, HEARSAY.

Without a consumers written permission, reporting of any unauthorized information, for a commercial purpose, is a ultra-vires criminal RICO, ( 3 or more ), violation, resulting in, 18 US code 1028A- Aggravated Identity Theft, actions Designed to keep American consumers in illegal/unlawful financial slavery, see XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 
The below listed items are incorrect and are causing irreparable harm and distress because of your predatory business practices. 
Any continued reporting would be another violation, 15 US code & 1681n, knowingly, violating consumer lawyer, and Calif business professional code XXXX

These items are as follows
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 nights toprivacy 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 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 writteninstructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followingitems of information Any other adverse item of information, other than records of convictions of crimes which antedates the report bymore 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, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, The credit report showed a credit inquiry by your company that i do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless i have authorized it. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, XXXX and XXXX I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) The List of accounts below has violated my federally protectedconsumerrights to privacy and confidentiality under 15 USC 1681.

1. Account Nome : XXXXXXXX XXXX Account Number : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation. 
2. Account Name : DeptedXXXX  Account Number : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

3. Account Nome : XXXX AccountNumber : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

4. Account Nome : XXXX AccountNumber : ending in XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

4. Account Nome : US Dept of Edu AccountNumber : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX  Account XXXXXXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX Account XXXX has violated my rights. 

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
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 


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

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4300.00}