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

XXXX XXXX XXXX, is in violation of multiple laws set forth by Congress in regards to the following account XXXX XXXXXXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( XXXX ) and the person ( XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( XXXX, XXXX, TransUnion ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my 1099-C? XXXX XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and TransUnion are not an affiliate of XXXX XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( 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. XXXX XXXX XXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX  bankruptcies on my record that are not mine I 've sent in letters showed proof they advised they verify through  XXXX   XXXX  who advised they have NO RECORDS on file for me. I have filed many many disputes now it will be here and better business bureau
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. q681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Product: Mortgage

The check # XXXX was negotiated by somebody else sometime around the end of XX/XX/2022 ; not by any of us. 

I was given a runaround within the last XXXXXXXX XXXX trying to figure out where my money is. 

I already called, emailed to XXXX representatives, asking where my money is, to cancel the check, reissue the check, but it turned out none of the requests was successful without a valid reason. 

My multiple requests to stop and reissue the check, as well as to investigate what was going on with my check, was not handled appropriately by UWM. If my case were handled correctly at the beginning by UWM, the check would have been stopped successfully, and re-issued to me without an issue. 

Previous CPFB case was XXXX, and I was advised to contact XXXX to get the issue resolved. Why do we need to get hold of XXXX when the check was from UWM - the issuer, to me? 

As of XXXX XX/XX/2022, I am still at a loss of {$730.00} I am demanding the money of XXXX to be sent to me as soon as possible. 

Thank you
Product: Credit reporting or other personal consumer reports

This complaint is directed towards Experian, XXXX, and XXXX Bureaus as a follow up. I am submitting to formally report an incident of identity theft that has had a significant impact on my credit reports. I conducted research on the procedure to remove the unauthorized inquiries from my credit report. It has come to my attention that I need to submit an identity theft report as part of the resolution process. I am aware that under FCRA Section 605B ( 15 U.S.C. 1681c-1 ), the Credit Reporting Agencies are legally obligated to promptly remove any entries associated with an identity theft report. Kindly refer to the documents I have attached to facilitate the process of blocking and deleting the inquiries that were posted on my report. Below is a list of the unauthorized inquiries that I have seen reporting in my credit reports : EXPERIAN : 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

My lender, HESAA ( a state of New Jersey student loan agency ), granted me a forbearance in light of a Covid hardship. However, HESAA failed to properly process that forbearance and as a result, misreported delinquencies to all three credit bureaus for the months of XXXX 2020. HESAA has since acknowledged its error and seemingly corrected the misreporting with XXXX and XXXX, but there has been a complete breakdown in communication with XXXX. 

HESAA has confirmed multiple times, in writing, that no delinquencies should have ever been reported -- they do not dispute whatsoever that the initial mistake was theirs. However, HESAA keeps saying that they have done everything possible to correct the matter with XXXX, but XXXX must be failing to make appropriate corrections on their end. 

XXXX, on the other hand, claims that HESAA continues to indicate delinquencies for the months of XXXX, notwithstanding several formal disputes that I have initiated with XXXX. With regard to those disputes, HESAA claims that they were never contacted by XXXX regarding any dispute, while, as noted, XXXX claims HESAA was contacted and indicated the delinquencies should remain on my credit report. 

I have attempted for more than SIX MONTHS to resolve this. There is seemingly no way to bring HESAA and XXXX into contact with one another in a way that transmits an accurate correction of my credit report from HESAA to XXXX. I have ample documentation confirming everything explained above. 

My primary contact at HESAA is XXXX XXXX, whose email is XXXX XXXX
Product: Debt collection

We received a letter in the mail from Transworld Systems Inc claiming they were trying collect a debt we owed to XXXX XXXX XXXX.
Product: Student loan

I attended XXXX until 2014, at which point, I graduated with my XXXX, I considered continuing with my XXXX however I did not have the time to complete the courses. So When XXXX closed, I looked into the options I had regarding loan forgiveness. I contacted one agency that stated it could get my loan forgiven for XXXX dollars to keep my credentials, and XXXX dollars to remove all the credits as well as the loan, I suspected this was a scam so I contacted the dept. of education. I was directed to the XXXX Higher Education, where I was given a link to fill out a form to be submitted. As I understood the options, there was XXXX option regarding the fraud that was part of XXXX closure, as well as of for XXXX closing within one year of my graduation, and there were different options I could take, though no one really seemed to know what I should do. I printed the sheet and sent it in, hearing nothing back directly. When months went by, I found myself still not working a job within my degree field, as well as in need of car. Checking my credit report showed that I had Federal Loan payments that I had missed, destroying my credit and driving me further in debt, despite the fact that I had selected the loan deferral option on the paperwork I sent in. Calling the XXXX Higher education got me no where, telling me to call my loan servicer. My loan servicer said they had not received that paperwork, so would not honor it. I then searched out the paperwork I was to fill out for them specifically, and in the meantime decided I wanted to go to school for a separate degree, as the first had gotten me no where. Without a Job in my degree field, I thought XXXX XXXX would provide me the opportunities and salary options that I could make a career out of, and be able to afford to pay off future debts. I applied to a XXXX college, who requested my transcripts from XXXX I provided them and attempted to start my next steps in Education. I feel like I may have rushed myself, having just stared a new full time job ( Still not in my degree field ) I dropped the courses within 10 days of the start of term. Some month or 2 later, I received a letter from my loan servicer stating that I had transferred my credits to a different school, and unless I had a letter from the school stating that I was not using those credits, they would not forgive my loan. I looked into having the XXXX college remove those credits from my transcript, being more than willing to take the courses over, however they suggest I make a complaint to the CFPB regarding this matter before considering my request.
Product: Debt collection

On XX/XX/2023 my bank account was placed on levy for a credit card debt with a case action in XXXX, Virginia. Previous notice was sent to an address in XXXX XXXX, Virginia which I never received. The case in XXXX XXXX, Virginia was dismissed. I did not receive notice of this case in XXXX, Virginia until XX/XX/2023. I was provided a judges order in XXXX, Virginia that was placed inside the door of my residence on XX/XX/2023. My due process rights were violated and a levy was placed on my XXXX XXXXXXXX bank account with no notice of hearing.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking this was too the CFPB finding indicate that Zelle has not only neglected to protect consumers but have also allowed repeat offenders to exploit the system and leaves us users vulnerable!
Product: Credit reporting

Denied for a credit card because XXXX ca n't verify my address. Experian has me at the wrong address. Tried their online dispute form twice, both times it says they ca n't allow access. Tried calling during business hours, waited for " next available representative '' for 30 minutes, then had to go back to work. It is impossible to get this company to address a problem they created. And they charge {$10.00} to lift a security freeze that will expire before I can get them to fix the problem!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States : I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Mortgage

In previous correspondence I have requested a new point of contact and not the person whom previously failed to grasp knowledge and understanding of my accounts and failed to control herself in conversation and continually interrupting questions and answers. I contacted and emailed the corporate headquarters to make this request for a new point of contact and due to my hectic work schedule, it is my request that I receive no phone calls until and after XXXX. All correspondence should also be placed in writing and sent to me via email and or at my home at XXXX XXXX XXXX XXXX XXXX, NC XXXX. Additionally I would like to make the request for a full Amortization Schedule, as it would clear up any further confusion by the Wells Fargo Home Mortgage Department.
Product: Debt collection

Credit Corp Solutions has been attempting to contact me with spoofed local XXXX numbers. They began to contact my work number and on XX/XX/18 I sent them an email attempting to negotiate a settlement and also directed them not to contact me at my work number, as I am unable to receive these types of calls. I know they received that email because they contacted me on my personal number about it and I spoke to them about it on XX/XX/18 before deciding to try and speak to an attorney. Today, XX/XX/2018, I was called at work from a known number of theirs that theyve used to spoof before to contact me. I have asked them not to contact me at my workplace and they ignored that request. They have also threatened to send me to pre-legal which is not an actual legal action, and have threatened to damage my credit by reporting to the credit bureaus which they havent done yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mailed a letter to each of the three bureaus XXXX, TransUnion and XXXX. They have failed to provide me with the investigation outcome. I have requested that they PLEASE PROVIDE WHO they TALKED TO VALIDATION THE INFORMATIOIN, AND THE TIME AND DATE. THE INACCURATE INFORMATION THEY HAVE REPORT TO MY CONSUMER REPORT HAVE CAUSE ME STRESS AND TIME FORM MY JOB.
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint against PayPal for wrongfully closing my account. I have been a loyal customer of PayPal for over 20 years and was recently informed that my account has been permanently limited. This has left me unable to use my account, which is a significant inconvenience. 

I started an online record store on XXXX marketplace in XX/XX/2022, and the only payment provider available to me was PayPal. I have been doing relatively well with sales, and every time there is a change in sales for the better, PayPal has issued a long hold on the funds, slowing down my business. Recently, PayPal requested proof of purchase, proof of fulfillment for six different orders, as well as a description of what my business does, which I willingly provided. 

However, to my surprise, I received a letter from PayPal stating that my account had been permanently limited due to potential risks associated with it. This decision does not make sense as I have a great reputation in the marketplace with my customers, which I gained quickly. I have 92 customer feedback ratings with a 100 % positive score, with many customers noting fast shipping, carefully packed orders, and records exactly as described. 

Moreover, I finally got back on my feet after being without steady work for almost 2 years due to the constraints caused by the COVID-19 pandemic, and I am now forced to completely close my XXXX store as PayPal is their only payment provider. I was on the way to opening a second store, but now my income has been cut. 

I have carefully read through all of PayPal 's documentation and could not find a single thing that I violated. Furthermore, all the orders that PayPal requested information on were fulfilled and delivered. 

I strongly believe that PayPal 's decision to permanently limit my account is unjustified and based on erroneous information. I request that you investigate this matter and take appropriate action against PayPal. I hope that my account will be reinstated, and I can continue doing business with PayPal in the future
Product: Debt collection

Midland Financial came after my wages I was ordered to pay XXXX $ this included court costs plus my balanced owed. I paid XXXX on XX/XX/year> to XXXX XXXX XXXX office. I called midland and I sent a email of the receipt letting them know it was paid in full. They are still reporting negatively on my credit report I have filed a dispute and sent copies of payment to XXXX
Product: Mortgage

INTERNET MESSAGE RECEIVED BY THE ATTORNEY GENERAL 'S OFFICE ON XXXX/XXXX/XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXXXXXXXXXX RE : XXXX XXXX XXXX / Suntrust Bank XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Website : XXXX Transaction Date : XXXX/XXXX/XXXX Amount Paid : XXXX Payment Method : Personal Check or Bank Debit Subject : Mortgage Fraud - XXXX XXXX XXXX XXXX Suntrust Bank We Own at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Week 9 Whole Interest - every year Purchased Timeshare {$10000.00} XXXX/XXXX/XXXX book XXXX page XXXX instrument XXXX Mortgaged {$9800.00} XXXX/XXXX/XXXX book XXXX page XXXX instrument XXXX paid in full per XXXX XXXX records XXXX/XXXX/XXXX - have a payment history from them - showing final payment XXXX/XXXX/XXXX satisfaction of mortgage XXXX/XXXX/XXXX XXXX book XXXX page XXXX XXXX XXXX XXXX took out an assignment of mortgage with Suntrust Bank XXXX XXXX/XXXX/XXXX book XXXX page XXXX - In the legal description this is noted as XXXX XXXX Phase XXXX even though no phase XXXX units are included in the mortgage. It only includes the following phases : Phase XXXX, Phase XXXX, Phase XXXX, Phase XXXX, Phase XXXX, Phase XXXX, Phase XXXX, Phase XXXX, and Phase XXXX. 

Our unit was put up as collateral in file XXXX book XXXX page XXXX. 
It was cited as having a mortgage on it, which according to their records was paid in full. 

XXXX used our timeshare as collateral, which we never assigned them the right to borrow against our unit. It was dated XXXX/XXXX/XXXX, filed XXXX/XXXX/XXXX. 

I received the satisfaction of mortgage after it was recorded 11 months after it was paid off. XXXX Book XXXX page XXXX, it was dated XXXX/XXXX/XXXX which was 2 days after they used it to get a mortgage on it. 

Their records show it was paid off XXXX/XXXX/XXXX. per the pdf payment history I received from them. 

The timeshare interest is in both my name and my husbands name, XXXX XXXX and XXXX XXXX XXXX. When they mortgaged it - they only used his name not mine as well. 
They did not use his legal name as mortgagor, it just said XXXX XXXX. 

They were never given permission to use it as collateral. They had tried to get us to sign some stamp which stated we were giving them the ability to use our unit to mortgage against, but we refused to sign it. I am a real estate broker in Michigan. I feel that they committed mortgage fraud with our unit. 
I would like to know if this is enough to make a case against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion over XXXX times on XX/XX/XXXX before I can reach someone in the fraud department in the US. I sent in a request on XX/XX/XXXX to block and delete information within five days as required by law per 15 USC 1681 and ask for more information of why a dispute was initiated on XX/XX/XXXX without my consent, when my letter clearly requested the fraudulent items from XXXX, XXXX, and XXXX to be blocked and deleted. I was able to speak with two people on XX/XX/XXXX at XXXX and XXXX pm est, XXXX , and XXXX who identified themselves as supervisor 's in the Transunion fraud department stating that they can not block and delete any information from my profile and will not furnish any proof validation per my request. Neither would provide a last name or ID #. I advised that these items identified in my complaint in XXXX showed the company deleted these accounts per their response to the CFPB complaint. Transunion continuously breaks the law and engages in fraud and identity theft by reporting fraudulent information on my credit profile without my consent and are violating my consumer rights 15 USC 1681 HB2, 15 USC 1681 B3, by not provided me my file, summary of rights, and description of the investigation/reinvestigation. They are also falsifying that they deleted these accounts to the CFPB and the accounts still appear on my consumer file. I am demanding these accounts to be blocked and removed immediately or I will take legal action against and sue for damages.