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

I am writing to file a formal complaint against XXXX XXXX XXXX  regarding their failure to provide IRS Form 1099-C documentation for an account they claim has been charged off. This failure raises significant concerns about the accuracy of the information being reported to credit bureaus. 

The details of the account in question are as follows : Account Number : XXXX Reported Balance : {$430.00} I have previously contacted XXXX XXXX XXXX  requesting a copy of the 1099-C form for this account to verify their reporting of the debt as canceled or discharged. However, despite my request, they have failed to provide the requested documentation or any evidence supporting their continued reporting of this account.

Without proper documentation, the reporting of this account may be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). Their failure to validate this account creates confusion and potentially damages my credit profile unfairly.

Actions Requested : 1. Investigate XXXX XXXX XXXX  failure to provide the requested 1099-C form for the account listed above.

2. Verify whether XXXX XXXX Bank properly discharged the debt and issued the required documentation to the IRS.

3. If XXXX XXXX XXXX  can not provide the requested documentation, require them to remove any negative or inaccurate reporting related to this account from my credit report immediately. 

I respectfully request the CFPB to intervene to ensure that XXXX XXXX XXXX  complies with federal laws and provides accurate reporting. Please let me know if further documentation or clarification is required. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018 I sent the attached letter ( XXXX 's XXXX letter ) to XXXX 's detailing inaccuracies they are reporting to Transunion, XXXX, and XXXX. Under section 623. ( a ) ( 8 ) of  FCRA entitled ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I am entitled to dispure inaccurate information to the data furnisher. I've previously disputed this information directly to the credit bureaus, but XXXX 's is determined to flout the law and keep reporting information they know to be inaccurate. Under 623. ( b ) of the FCRA entitled 623. ( b ) Duties of furnishers of information upon notice of dispute it states in part that " In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ''. In this case XXXX 's was provided all the information they needed including a copy of the credit report ( with the tradeline circled ), my partial account number, the basis for the dispute, and the report number from the credit bureau.
Product: Debt collection

National Credit systems has not provided me with any copies of any contracts or agreements that have my signature on it that proves that i owe the amount of debt to them in which they are reporting to credit agencies electronically and according to credit agencies National credit systems do not have to provide the them with any documents supporting there claim
Product: Debt collection

DSR Holdings Group contacted not only me but my father, my step mother, my step sister, and my step brother trying to get a hold of me. I called them Friday XX/XX/year>, and spoke with a representative named XXXX. XXXX was very rude and pushy. He basically told me he doesnt care about me or if I paid that its his job and that it doesnt matter if I pay {$1000.00} or {$2.00} he gets paid by how many debit cards he runs in a day. It was a 5 minute call of complete unprofessional attitude and raised a lot of red flags. Fast forward to today Monday XX/XX/year> I spoke with XXXX XXXX, the supervisor, and he was completely unprofessional as well and even told me that they wont be dealing with me anymore. It is my belief that this company may be legit but practices shady business practices. I would bet my bottom dollar that they dont follow the law accordingly based on the interactions I had with them. If its possible I would like for them to be looked into. Im also reporting them to the better business bureau as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX-debt collector Original creditor- XXXX XXXX Amount- {$2400.00} XXXX XXXXy is stating that this account was opened in XX/XX/XXXX but It was in fact opened in the year XXXX. Which makes it over XXXX XXXX XXXX.
Product: Debt collection

I was given wrong and misleading information. I was told that if i pay my debt in full that the collection will be completely deleted from my credit report. After i paid the debt it was updated to paid but not removed. It is still affecting my credit score negatively. I am trying to purchase a home and this negative status is holding me back. I was mislead and given false promises just so i can pay the full balance. This is completely unprofessional and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple late payments with XXXX XXXX XXXX. I contact the company to remove this late payment. I have late payment for XX/XX/2020 and XX/XX/2020. This late payments are preventing me from obtaining credit in my name. The account number for this account is XXXX.
Product: Mortgage

We are ready to close, have a buyer, paperwork sent and asked for the clear to close on the short sale, without an extension, the deed is signed but we are waiting for the bank we are ready to close and emailed them ( PHH mortgage company ) short sale department for the clear to close without asking for an extension. My attorney made all of the corrections on the HUD that the PHH mortgage company requested and we sent the title commitment, per their request. We have been actively working with the Short sale dept at PHH Mortgage company collectively and now that we are ready and sent everything need to them, We have been asking for the clear to close. And the PHH mortgage company are not responsive and now a day before the auction date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Attached is my formal letter requesting removal of fraudulent accounts, police report and id theft affidavit. I am representing myself, so please do not respond with a templated answer.
Product: Credit reporting or other personal consumer reports

TO : LVNV FUNDING ACCOUNT # : XXXX LVNV FUNDING Regarding the accuracy of your data in relation to the XXXX XXXX guidelines, I'm extremely concerned. As errors or omissions can have a major effect on the report 's credibility, it is imperative that we address them. I anticipate that you will go over everything thoroughly and remove any errors or remove account. Anything less is an outright betrayal of the accuracy and trust that this process requires.
Product: Debt collection

On XX/XX/2019 I made a payment of {$290.00} by using the pay in full button on Wells Fargo 's website. My payment was made after the due date XXXX XX/XX/XXXX ) and was sufficient {$93.00} for the prior statement, {$170.00} in new purchases and the late {$25.00} late fee. After I made the payment the website indicated that my balance was {$0.00}. On a later date, this date is unknown as the interest does reflect on a line item on on a statement Wells Fargo accessed me interest of {$2.00} because the balance was not paid before the due date. I want to be clear I am not disputing or complaining about the interest, I am disputing and complaining about the process in which Wells Fargo charged the interest, specifically, 1 ) Presenting a consumer with a " button '' that allows the consumer to think they are paying their full obligation in full 2 ) Showing the consumer a XXXX balance after using the button which supports and reinforces that the consumer has paid the balance in full and 3 ) not having an actual line item and date to show the consumer when interest was posted to their account. The {$2.00} balance ultimately became 30 days late and caused Wells Fargo to report my account late to the bureaus. 

Based on using the pay in full button and seeing a XXXX balance my understanding was that the account was paid. Interest of {$2.00} posted at a later unknown date and I did not pay the amount as I was not aware of it. I made a payment of XXXX with full faith and reliance on Wells Fargo 's Pay In Full button paying the total obligation in full. My compliant should be clear, your user interface stated pay in full, but in fact, it does not pay the obligation in full it excludes interest. The title of the button did not match its true functionality which is my compliant. This led to a late payment. 

To represent a button as pay in full when it truly is not pay in full is harmful to consumers in this case its the cause of a consumer late payment. Pay in full from a consumers perspective is balance, fees and interest ie the full obligation. I have worked with the Wells Fargo Complaints Management team and they do not understand my compliant. They continue to state that their terms and conditions allow them to charge interest and that I should have paid my balance on time which ignores the essence of my compliant. Regardless of when I pay, your pay in full button should pay the balance through the date of the payment. 

My account should not be reported 30 days neither should any other consumer that used this button. Wells Fargo should review all accounts that met two conditions 1 ) consumer used the pay in full button after the due date and 2 ) In the next statement period the customer did not have new purchases. Interest would have posted to these accounts from the prior period and since the consumer did not have purchases the consumer may think their balance is paid in full. 

Fix the pay in full button to include interest through the current date and remove the lates from my credit report.
Product: Checking or savings account

I received a Cash App debit card in the mail on XX/XX/XXXX. I knew that it was a case of identity theft because I never opened a Cash App account and I have had two other accounts opened in my name recently. In both of those cases I was able to easily contact the company and have the account closed. I attempted to contact Cash App, but I quickly discovered that they do not have a phone number. All websites that I found directed me to contact Customer Service through the Cash App itself. Of course I do not have a Cash App account, so this was useless. I emailed Square to alert them to the fraudulent account and ask them to shut it down. I received a form email back on XX/XX/XXXX, telling me ( once again ) that I need to contact Cash App Support directly from the Cash App. It did not address my concerns or the substance of the email. I have not received a response to my subsequent email. 

In short, there is a fraudulent Cash App open under my name and Square offers no way to get in contact with Customer Service to resolve the issue.
Product: Vehicle loan or lease

On the day of XX/XX/2023. I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to 15 U.S. Code 1662 - Advertising of downpayments and installments, and 15 U.S. Code 1605 - Determination of a finance charge. Mixing cash with a finance charge is illegal. I demand a full return of the {$2500.00} down payment thats shows in the purchase order.
Product: Mortgage

Started the end of XXXX with Navy Federal to refinance and create a new VA mortgage. The loan officer was inexperienced and rarely returned my calls or emails as the process dragged on. The loan was supposed to close at the end of XXXX. I did finally close on Tuesday, XX/XX/XXXX. I had to pay the my XXXX mortgage and other XXXX bills as the days went by. 
The day before I was supposed to close, XX/XX/XXXX, I was told at XXXX XXXX  that the loan processor forgot to inform me that I needed a water well test required by the VA. I was leaving for a planned vacation the next day which delayed the process again. 
It was a requirement of the mortgage company to do this and an unacceptable oversight. 
I was forced to pay additional interest on the loans that were to be paid off as a result of the refinance not to mention the daily stress trying to get a resolution. I am a US Veteran and I can't be more disappointed with the treatment received from Navy Federal.

They are still asking for documents two days after closing.
Product: Money transfer, virtual currency, or money service

I was blackmailed and fraudulently scamed out of my money totalling {$4100.00} by a person who goes by the name of ( XXXX XXXX ) who lied to me and forced me to use RIA Financial services company, from XX/XX/XXXX through XX/XX/XXXX, totaling {$4100.00} XXXX XXXX is the second person who was also involved with XXXX XXXX, and was the one who recieved the funds totaling {$4100.00} that I was blackmailed and scamed out of and forced to send using RIA Financial services company. 

XXXX of XXXX XXXX 's phone numbers is XXXX & XXXX A police report was filed on XX/XX/XXXX at XXXX am and a FTC report was filed on XXXX at XXXX p.m. 

Police report - # XXXX FTC report - # XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. XXXX XXXX  Late payments incorrectly reported between XX/XX/XXXX, XXXX late payments incorrectly reported XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As a consumer by law these accounts in this letter must be updated immediately because Ive been violated. Consumer laws 15 US Code 1681a, 15 U.S Code 1681s-2 Responsibility 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. You are also in violation of 15 US Code 1681a 2 ( A ) ( i ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries in my TransUnion credit report that Ive previously disputed with the bureau and dispute wasnt resolved in my favor and TransUnion verified inquiries to be accurate which is not true. Ive contacted all lenders of which inquiries I dont recognize and I let them know about possibly fraud. synchrony bank, XXXX and XXXX confirmed they will investigate and contact TransUnion to remove fraudulent inquiries and no action has been taken further. 
XXXX also sent letter confirming inquiries would be removed which I received XX/XX/XXXX. 
List of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I would like CFPB to help me resolve this issue and restore all damages done to my credit by fraudulent inquiries which I never authorized
Product: Credit card or prepaid card

To Whom It May concern : I am writing in regards to a Wells Fargo account # XXXX. There are several things reporting inaccurately, untimely, or unverifiable on this account. The Federal Credit Reporting Act ( FCRA ) permits the removal of such accounts from the credit file. The reasons I dispute this account are as follows : 1 ) Balance  incorrect. Should be {$400.00}. 
2 ) Delinquency date is incorrect. The correct date was the one listed prior to the XX/XX/XXXX date. 
3 ) Statement number 2 then makes this account too old to be reporting and should be immediately deleted. 
4 ) Well Fargo states I made a payment in XXXX and the date of delinquency is XX/XX/XXXX. 
Both statements are incorrect. 
5 ) When requested, Wells Fargo does not, nor has is to this day, furnished validation or proof to the information reported on my report, I.e. the items listed in 4 above. Account should have been removed here as FCRA calls for the removal of unverifiable information. Wells Fargo failed to respond. FCRA states that this debt is no longer valid. 
6. When requested, Wells Fargo failed to provide the original contract with Wells Fargo containing my wet ink signature. 

As you can see, there are several violations of the FCRA and FDCPA. Please cease reporting this account for any of the above listed reasons. There are multiple violations here and if you continue reporting this false information you may face further consequences as allowed by law which I will proceed with should Wells Fargo fail to remove this account from all of my reports and cancel the debt as verification/validation was not furnished upon request. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is income information still showing on all three credit agencys. My credit and social security information is hack and among the social security breach that occurred. 

XXXX and XXXX are reporting capital incorrectly. They reporting this delinquent when my balance was paid off several years ago. 

I have filed and turned in a police report and and agencies are still closing to hinder my progress to purchase a new vehicle and home. 

Everything I call or go online to dispute or submit. XXXX XXXX and XXXX seems to only send me to a link to siren up and pay for services.
Product: Mortgage

On XX/XX/year>, my Mortgage company, Newrez, discovered a surplus in my escrow account of {$4300.00}. Of my understanding is correct 12 CFR 1024.17 states that any discovered surplus must be dispersed within 30 days. 

On XX/XX/year>, I received my statement and it showed {$4300.00} removed from my escrow account however I had not received it yet. 

On XX/XX/year>, I called and spoke with Newrez. The women I spoke with told me the surplus would be transferred to my checking account by XX/XX/year>. 

On XX/XX/year>, I called Newrez again because I had not received the surplus. This time I informed them of 12 CFR 1024.17 and reminded them it was three weeks past the 30 day limit. The gentlemen told me I would revive the surplus in 24-48 hours. This was 4 days ago and I still havent received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting wrong dates and amounts on my credit reports, I call them and they just act like they dont now what Im not talking about.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the account referenced above with Transworld. Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request detailed documentation to verify and validate this debt. I request the following information be provided to substantiate the legitimacy of this account : 1. Full Breakdown of Charges : An itemized list detailing all charges associated with this account, including any interest or fees applied.

2. Proof of Application and Income : Copies of any application or income verification documents that were used to establish this account. I request documentation of my income, if applicable, that would have been provided at the time of account creation.

3. Proof of Contract : A copy of the signed contract or agreement, demonstrating my consent and understanding of the terms.

4. Record of Payments : Detailed records of all payments made on this account, along with dates and amounts, demonstrating how the balance was calculated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my transunion report and found multiple hard inquiries that I did not authorize and are hurting my credit score. These are the hard inquiries. 
XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

I have been unable to use my TRUIST debit card and checking account due to it being in the negative because I was charged 21+ {$36.00} fees. I opened this account for family, personal and household use. This policy is causing my family and I great harm, risk, unnecessary expense, stress and lost of income. I spoke to a customer care representative, which transferred me to her manager who told me they were only able to refund me {$75.00}.
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT! 
Transunion is lying and they are violating my rights. It is their duty to treat every dispute as an accurate one and proceed with the proper investigation. We ARE NOT in litigation! There is no litigation pending and any prior litigation has been settled ( see attachment named signed documents transunion ). They took on this duty and as taking on this duty it is their grave responsibility to ensure each report is reporting fairly and accurately. They neglected my complaint and said we are in litigation together which is false. This is unfair and deceptive practices that violate my rights as a consumer. PLEASE TREAT THIS DISPUTE ACCURATELY, or I will be force to make a complaint to the states attorney general. 

THIS IS NOT A DUPLICATE COMPLAINT! 

I, XXXX XXXX am a natural born live and breathing human being, Pursuant to 15 USC 1681 section 602 states I have the right to privacy. This is an invasion of privacy as well! In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX, XXXX, TRANSUNION, XXXX XXXX, XXXX is reporting accounts on my consumer report, WITH OUT MY WRITTEN INSTRUCTION! IF YOU HAVE MY WRITTEN INSTRUCTION PLEASE PRESENT IT TO ME! ALONG WITH EVERYTHING ELSE IN YOUR FILES TO VALIDATE THESE ACCOUNTS ( listed below ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion you have 30 days to provide me with this information! In the meantime your neglected actions constitutes as FRAUD, and these accounts must be corrected within 3-4 days.

UNTIL YOU CAN FURNISH THE PROOF THAT I AM ASKING FOR SHOWING YOU ARE NOT IN VIOLATION OF MY RIGHTS. THIS IS NOT A MISTAKE, I WILL FILE A LAWSUIT FOR YOUR NEGLIGENCE OF THE LAW. This is not a duplicate complaint. I am clearly stating this complaint is not duplicate. Please do NOT IGNORE ME.