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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/year> APPLE CARD/GS BANK USA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Re : Dispute of Charge-off Due to Non-receipt of IRS Form 1099-C Account Number : XXXX To Whom It May Concern, I am writing to formally dispute a charge-off that has been reported on my credit report for the above-referenced account. Upon reviewing the details of this charge- off, I have found that I did not receive a 1099-C form, which should have been provided to me in compliance with IRS regulations when a debt is canceled or written off. According to the IRS guidelines, a creditor is required to issue a 1099-C when they cancel or forgive a debt of {$600.00} or more. Since I have not received this form, I believe this reporting is inaccurate. 
In light of this oversight, I kindly request that you : 1. Provide evidence that a 1099-C was issued for the debt in question.

2. Correct the reporting of this account on my credit report if the form was not issued, as this reporting may be incomplete or misleading without proper documentation. 
I would appreciate it if this matter could be resolved promptly. Please send me any supporting documentation related to the charge-off, or confirm that this charge-off has been removed from my credit report. Additionally, I expect this dispute to be investigated and resolved in accordance with the Fair Credit Reporting Act ( FCRA ). 
I appreciate your attention to this matter and look forward to your prompt response. Please contact me at the above address or phone number if you need any further information. 
Thank you for your time and cooperation. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this complaint and there is no third party involved. This company XXXX, Experian and XXXX XXXX is very deceptive and unfair, they keep ignoring the situation based on the instructions I'm gave them. After all the due diligence I have done, I found out that pursuant 15 U.S. Code 1681b ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ), In accordance with the written instructions of the consumer to whom it relates. I have sent them plenty of letters giving them instructions what to furnish in my consumer report and all they do is ignore me. 

This is my privacy and I take very serious and if XXXX, XXXX XXXX and Experian wants to keep doing business with me, they need to understand that they need to do what I say if it has to do with my consumer report. Based on Congress Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. They have not been assigned by congress. XXXX, XXXX and Experian broke the law and they keep doing stuff 's with my consumer report without my consent. No consent is Identity Theft. Recently I was reading the article from the cfpb on XX/XX/2022 ( CFPB RELEASES REPORT DETAILING CONSUMER COMPLAINT RESPONSE DEFICIENCIES OF THE BIG THREE CREDIT BUREAUS. AND THEY TALKE ABOUT HOW XXXX ROUTINELY FAILED TO RESPON TO CONSUMERS WITH ERRORS AND REQUEST. ( Article attached ) They also talk about how XXXX often promised to open investigations and sent the results to the consumers later dates, but it would fail to provide the CFPB with the outcomes of the investigations. They Talk about For many complaints, Experian frequently stated it would take no action because it believed the complaints were submitted by third parties, however, it did respond to the remaining complaints with substantive responses. 
XXXX made similar promises and frequently failed to provide the outcomes of investigations to the CFPB. It often stated it would take no action on complaints because it believed the complaints were submitted by third parties.. I need XXXX, XXXX and Experian to take responsibility and stop doing this illegal practices .... 
I don't want the same thing happen to me, Im attaching new copies copies that I have sent today to XXXX, XXXX and Experian. 
attached with my social security card, ID and proof of Address.. Lets see what will be the excuse this time. 

PLEASE NOTE THAT IM NOT TALKING ASKING YOU TO INVESTIGATE OR VERIFY THIS ALLEGED ACCOUNT, IM THE ONLY ONE WHO CAN VERIFY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX acting as a debt collector for XXXX XXXX XXXX improperly reported my account late and we agreed to a payoff arrangement to satisfy the end of auto lease debt. The debt was incurred do to excess mileage and minor damage to the vehicle at lease end. The debt was satisfied on or about XXXX XXXX, XXXX. SRA stated that they would not report the debt to any of the credit bureaus. They did and it adversely affected my credit decreasing my credit score substantially. I was a co-signor for my daughter 's loan.
Product: Checking or savings account

I had previously submitted the following complaint regarding a Bank of America practice of limiting the options for customers to contact it. 

" Bank of America send me an unsolicited email message that contained the following statement : " Bank of America, XXXX XXXX XXXX, XXXX, FL XXXX. Please do NOT send any physical mail to this address, especially mail containing sensitive information. Need to get in touch? Simply visit our Contact Us page for multiple ways to connect. Please do not reply to this email, as email replies are not monitored. '' Specifically Bank of America does not want me to contact them in writing regarding the matters of the unsolicited email message that raised multiple concerns. '' Bank of America has not uploaded its response to that complaint to the CFPB portal and thus did not provide CFPB or others who may have examined my complaint and the company response an opportunity to see a clear inconsistency in company 's response which contained factually false information. 

The original message from Bank of America that I file a complaint about contained the phrase " Please do NOT send any physical mail to this address, especially mail containing sensitive information. '' stating that I CAN NOT send any mail to the company. 

In its response that the company forwarded directly tome and had not uploaded to the CFPB portal it claimed that the exact same address CAN be used for snail mail correspondence. The company has not said anything that the information in the email message was clearly discouraging consumers from sending physical mail to.
Product: Mortgage

After I get divorced, the Court give the warranty deed of the house located XXXX XXXX, XXXX XXXX Texas zip code XXXX, after this my ex wife mist a lot of payments and get bankruptcy with out my knowledge, this is affecting my credit score, I need the lender remove this of my record because I am not responsible at this time for the payments.
Product: Prepaid card

Hello, the resolution that Amex provided was incorrect ( XXXX} ). The total amount of the card are equal to XXXX.
Product: Mortgage

XXXX is lying about not receiving my new insurance from XXXX XXXX XXXX XXXX. This coverage starts from XX/XX/XXXX - XX/XX/XXXX. 
A copy has been made available for them On XX/XX/XXXX, I filed a complaint against XXXX with CFPB. In that complaint I pointed out that my loan impounded my insurance premium etc. So if there is a lapse in coverage, it is the fault of XXXX. XXXX obviously realized it was their fault and agreed take care of the lapse. However, behind tbe scenes, they tried to make me responsible for it. This is why I filed the last complaint. I am enclosing the picture of the letter from XXXX where they tried to bully me into paying for the lapse.
Product: Mortgage

Back in XXXX 2015, I got in contact with a XXXX XXXX XXXX from XXXX XXXX XXXX. We went through information on stopping my foreclosure. I was told to pay {$3000.00} and they could get my foreclosure turned around. I was told not to contact my mortgage lender at the time Seterus and that XXXX XXXX XXXX will handle the proceedings from there. I then received a letter in XXXX that my property had been foreclosed on. I spoke with XXXX XXXX ( XXXX ) from who works for a Realty company. I filed a complain with XXXX and they said they they would review the matter and get back to me. When I email them I just receive a generic email back. I 'm writing to ask what I can do about this matter.
Product: Debt collection

MY NAME IS XXXX XXXX  ( XXXX  ) I HAVE BEEN PLACED IN COLLECTIONS WITH XXXX XXXX   FOR A MEDICAL DEBT FOR MY DAUGHTER XXXX XXXX XXXX DATE OF BIRTH XX/XX/XXXX WHO WAS COVERED UNDER MEDICAID FOR DATE OF SERVICE XX/XX/XXXX. I HAVE SENT EVERY DOCUMENT AVAIL INCLUDING LETTER OF ELIGIBILITY SHOWING SHE WAS COVERED ON THIS DATE AND THEY WILL NOT REMOVE FROM COLLECTIONS OR DELETE FROM MY CREDIT WHICH IS OUT OF COMPLIANCE. I NEVER RECIEVED NOTIFICATION OF THE BILL OR BEING PLACED IN COLLECTIONS. I JUST WANT THIS REMOVED AND MY STATUS UPDATED WITH THE CREDIT COMPANIES AS I AM NOT LIABLE FOR THIS DEBT.ORIGIONAL DEBT IS WITH REGIOGAL MEDICAL LAB IN XXXX OKLAHOMA
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Accounts have violated my rights.

15 USC 1681 Section 602 States I have rights to privacy.

15USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account with out my written instructions.

15 USC 1666B : A Creditor may not treat patient on a credit card account under and open end consumer credit plan as late for any purpose. 

XXXX XXXX : this company is reporting fraudulent inaccurate information on my credit report. I requested that they provide me the proof where is wasn't paid off after sending a debt validation letter they never provided it but its still on my report. 

I have requested the negative things to be taken off XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2018 I have paid {$19.00} to Equifax for a complete Premier Plan to monitor and provide updated credit report and score. I have paid all my accounts on time and some paid off within last 6 months and effectively increase my credit score and fixing errors on my credit file. When I checked my credit score on XX/XX/XXXX it showed XXXX and today ( XX/XX/18 ) it shows XXXX which is a 2 points down for no reason ( in reality it show have gone up at least by 2 points or more ). When I called them I was told this decrease is due to your creditors reporting information resulting in our calculations for your score, this is totally incorrectly and false. Because of Equifax error, my credit lost its power, increasing my debts, and adding interests rates of my accounts. 
Sincerely XXXX XXXX
Product: Vehicle loan or lease

Subject : Rescission of contract due to non-enforceability and refund of down payment and all payments made. 

Dear Santander Consumer USA, I am writing to demand that you rescind the contract that I signed with your company for my auto loan and refund all payments made towards the loan agreement. As per my understanding, the contract is non-enforceable due to my breach of the contract by defaulting on the loan payments. Therefore, I request that you return all payments made towards the loan agreement. 

I am aware that the doctrine of anticipatory repudiation allows for a contract to be considered void if one party breaches it before the contract has been fully performed. In this case, I breached the contract by failing to make the loan payments, making the contract non-enforceable. As a result, I have the legal right to rescind my signature on the contract and demand a refund of all payments made. 

Furthermore, I demand that you remove the account from my credit report and delete the inquiry. Under the Fair Credit Reporting Act ( FCRA ), you are required to provide accurate and complete information to credit reporting agencies. Since the contract is non-enforceable, you are not authorized to report it to credit reporting agencies, and doing so would be a violation of the FCRA. Therefore, I demand that you remove the account from my credit report and delete the inquiry immediately. 

I am well-informed of the legal standing on this matter and I will not hesitate to take legal action if necessary. It is my right to rescind the contract and receive a refund of payments made due to my breach of contract. If your company fails to comply with my demands, I will be left with no choice but to take legal action against your company. 

Please acknowledge receipt of this letter and confirm in writing that you will comply with my demands. I expect a prompt response from your company. 

Sincerely, XXXX XXXX References XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA )
Product: Credit reporting or other personal consumer reports

My identity was compromised through Lexington Law/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I feel I have been a victim of identity theft so I spoke with the bureaus about it several times and the matter still hasnt been resolved. I have inquiries on my report thats inaccurate!!!
Product: Credit card

I enrolled in the path to Apple Card program and followed every step of the way until I received invitation to open the account and was approved. 
Did 4 small transactions in total to start paying by my first due date. 
During this process I changed my phone number and when calling to have it updated in the system my account was restricted, they then contacted me after 10 days to verify my information and asked some questions that verified my account. Then updated my number in the system and told me I was good to go and I could continue using my account, one day later they cancelled my account and when contacting the bank they told me they didnt know why it got cancelled. I didnt even get a chance to do my first payment and them cancelling my account will most surely affect my credit record which now is excellent.
Product: Mortgage

Nationstar added my sister to the mortgage. When I first brought the house to help out my mom the mortgage was in my name and sister  XXXX   XXXX . Less than a year later  XXXX  's name was taken off. My mom 's credit still was n't too good due to divorce, however the bi weekly program, plus deed and taxes was put with my mom 's name  XXXX   XXXX  and  XXXX  's was taken off. When Nationstar brought the loan 3 years ago my name was only on the loan, however about 9 months ago Nationstar decided to put  XXXX  's name back on the loan. My mom pays the mortgage, which Nationstar has her bank account on file to take out every month. I have tried to refinance either by myself or with  XXXX   XXXX . But because of Nationstar adding  XXXX  's name for no apparent reason we can not do so.  XXXX  is also very upset because no mortgage company has been on her credit report for over 5 years, now all of a sudden Nationstar is showing up on  XXXX  credit report. I have sent Nationstar several times all the paperwork without  XXXX  's name on it and with my mom 's name on all documentation and they refuse to remove  XXXX  's name. Now also my mom usually pays my phone, but now they wo n't even allow that. My mom has called in paying since we first tried to refinance and stopped the biweekly. Their customer service people are very unknowledgeable and can not even sp eak English clea rly. Also I have asked them several times and sent them documentation that I would pay my own homeowners insurance, as they are thiefs in my eyes. My homeowners went up {$9.00} a year in  XXXX   Nationstar raised my  rates by over {$12.00} a month because of this.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/XXXX when I was sending money to friend it would not allow me. So cash app literally tokd me to create another one now I am violated the terms but they can't tell me what and they want take my personal stuff off
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

I'm writing in a response to a recent debt verification request from me to XXXX XXXX  and credit bureaus. I requested debt verification for a signed agreement with original creditor and or agreement with XXXX XXXX XXXX XXXX that they have a legal right to collect the alleged debt. since over 60 days ago but no response until I file a complaint through cfpb. On XX/XX/2022 I received a letter in the mail showing just a billing statement and not any signed agreements or application from the original creditor or any agreement that I had signed a contract to pay XXXX XXXX XXXX if original debt is not paid. If this information can not be furnished in a timely manner pursuant to the fair credit reporting act, it must be deleted from my credit file immediately. Also attached is a letter requesting more detailed info from XXXX XXXX XXXX. Please send information I requested via usps to my mailing address. Lastly the account information that is furnished on my credit file is totally different from the statement i received from original creditor. This is misleading information and needs to be deleted from my credit file because this information was not furnished properly Thanks Sincerely
Product: Credit card or prepaid card

I called them, XX/XX/XXXX, and they answered that they decided to close my account without explaining why. I demand to Know exactly what specifically I did.
Product: Mortgage

XXXX of XXXX I filed for a Covid forbearance plan due to lack of work/income reduction related to the XXXX pandemic. As of XX/XX/XXXX that forbearance plan was scheduled to end. I had just gotten a new job and was prepared to resume my mortgage payments as scheduled. I was offered several different repayment options during my forbearance period, most of which I was either lied to about or AmeriHome refused to provide me with any detailed information about when I requested. When it came time to file for a repayment plan the only one that I was told was an option for me was the Partial Claim. Seeing no other way to proceed, I accepted this. I signed the paperwork as instructed and mailed overnight to AmeriHome on XX/XX/XXXX. I had no communication or correspondence from AmeriHome for several weeks after. With my XX/XX/XXXX payment coming due I reached out to check the status and was told my paperwork needed to be resigned. I patiently waited another several weeks and never received the new paperwork. I reached out again XXXX and was told the request for new paperwork was being processed. On XX/XX/XXXX I still had not received anything and called in again to submit another request for the Partial Claim paperwork. I was told I should receive this paperwork no later than XX/XX/XXXX. Again, I did not receive anything and even AmeriHome representatives were not sure why nothing was being sent to me. The week of XX/XX/XXXX I spoke to another representative that made me aware of a loan modification option in which my mortgage could be extended and interest rate lowered in order for me to resume making payments at a lower amount. This was an option I originally wanted to take but was not offered in XXXX even at my request. Now, paperwork for this option was supposed to have been sent and I was told I would receive by end of XXXX at the latest. As of today, XX/XX/XXXX, I have not received anything from AmeriHome, despite repeated requests, mailed letters, and exhausting efforts. I am growing very concerned that legal action may be necessary to avoid damage to my credit and attempted foreclosure by AmeriHome even though I am ready, willing, and able to resume my mortgage payments. A process that was supposed to be resolved in XXXX has now taken more than 3 additional months which is far beyond any reasonable timeline.
Product: Credit card

RE : OFFER BY CHASE - THEY CALLED IT " MY CHASE LOAN '' ON XX/XX/ I CALLED TOLL FREE NUMBER XXXX TO FILE A COMPLAINT WITH CHASE CUSTOMER SERVICE REGARDING MY MONTHLY AMORTIZATION ORIGINALLY {$270.00} THAT WENT UP TO {$310.00} A DIFFERENCE OF {$40.00} PER MONTH. SO I QUESTIONED THE SUPERVISOR TO MAKE THE STORY SHORT, SHE HUNG UP THE PHONE BECAUSE SHE SAID, I TALKED TOO LOUD. I'VE EXPLAINED TO HER THAT'S MY NORMAL VOICE ( BECAUSE I AM A SENIOR CITIZEN ). 
SO I FILED A COMPLAINT ON THE SAME DAY XX/XX/2024 THRU EMAIL PER CASE # XXXX HERE 'S THE EXCERPT OF THE WHOLE CONVERSATION ( SEE ATTACHED BELOW ). 
IN MY DEFENSE, ALL I NEED FROM THEM ( CHASE ) TO PROVIDE CALCULATIONS ON " HOW TO ARRIVE AT THAT AMOUNT {$310.00} '' BECAUSE THERE'S NO INCREASE IN MY LOAN BALANCES EXCEPT THEY SAID DUE TO ANNUAL MEMBERSHIP FEE OF {$95.00} POSTED DATED XX/XX/2024 WHICH I PAID IT ON XX/XX/2024. TAKE NOTE : BILLING PERIOD IS XXXX XXXX XXXX XXXX 
I HAVE PROVEN TO THEM THAT I WAS CORRECT BY PROVIDING MY OWN CALCULATIONS. HERE 'S MY COMPUTATIONS : TOTAL LOAN BALANCE : {$8000.00} INTEREST RATE 13.49 % PER ANNUM TERMS : 3 YEARS. 
{$8000.00} X XXXX THEN XXXX X XXXX XXXX DIVIDED BY XXXX {$270.00} VERSUS PER CHASE {$270.00} BUT NOW IT WENT UP TO {$310.00} AN INCREASE OF $ XXXX MONTH. HOW? WHY? WHAT? 
XXXX XXXX, A SENIOR SERVICE SPECIALIST, I ASKED HER ( SEE EMAIL ) TO PROVIDE CALCULATIONS TO ARRIVE AT THAT AMOUNT ( {$310.00} ) BUT NOPE SHE NEVER DID. SHE'S BEEN SAYING TO US READ THE CARDMEMBER AGREEMENT BUT CARD MEMBER AGREEMENT IS FOR CREDIT CARD CHARGES WHICH YOU CAN NOT FIND HOW TO CALCULATE LOAN AMORTIZATION. I'VE BEEN SAYING TO HER ( XXXX XXXX ) THAT THIS IS LOAN AMORTIZATION BUT SHE NEVER LISTENED TO US. I BELIEVE SHE DOESN'T KNOW HOW TO COMPUTE IT. PROBABLY, I AM BARKING TO THE WRONG TREE. THIS IS THE REASON I HAVE TO FILE A COMPLAINT WITH YOU CFPB. 
HERE 'S MY BILLING STATEMENT TO PROVE THAT THERE'S NO INCREASE IN MY LOAN BALANCES : BILLING PERIOD : XXXX PREVIOUS BALANCE {$7700.00} LESS {$270.00} XX/XX/2024 PAYMENTS PLUS {$89.00} INTEREST CHARGE " MY CHASE LOAN '' EQUALS {$7600.00} BILLING PERIOD : XXXX PREVIOUS BALANCE {$7600.00} LESS {$270.00} XX/XX/2024 PAYMENTS PLUS {$84.00} INTEREST CHARGE " MY CHASE LOAN '' EQUALS {$7400.00} BILLING PERIOD : XXXX PREVIOUS BALANCE {$7400.00} LESS {$360.00} ( Breakdown : : $ XXXX ) XX/XX/2024 PAYMENTS PLUS {$84.00} INTEREST CHARGE " MY CHASE LOAN '' EQUALS {$7200.00} BILLING PERIOD : XXXX PREVIOUS BALANCE {$7200.00} LESS {$310.00} ( Breakdown : $ XXXX ) XX/XX/2024 PAYMENTS PLUS {$80.00} INTEREST CHARGE " MY CHASE LOAN '' EQUALS {$6900.00} ALSO I WOULD LIKE TO ATTACH " LOAN CALCULATOR FROM XXXX '' A CREDIBLE SOURCE, TRUSTED AND RELIABLE JUST TO PROVE THAT TWO ( 2 ) HEADS BETTER THAN ONE ( 1 ).