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

I have the following account on my credit report that are documented as charged offs : Capital One. I have contacted Capital One directly on numerous occasions, dated back to XXXX with no resolution to date. The most recent contact was XX/XX/XXXX. Each year I have been trying to get a copy of my 1099c since all three companies have stated that each account has been charged off/written with refusal to send me the appropriate information. This information has impacted my credit report and has been misleading to lenders and creditors. Listed below is a generic letter letter that I have submitted to all 3 creditors with no response : 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 : XXXX Charged-Off Amount : XXXX Credit Limit : XXXX Balance as of XXXX : Past Due Amount : XXXX  Last Payment Date : XXXX Original Charge-Off Amount : XXXX High Balance : XXXX 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 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 or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a collection account for Child Support Enforcement account number XXXX This is over 7 years old in fact it's over 10 years old.
Product: Debt collection

In 2019 of this year, I noticed a alleged debt was placed on my credit report ( s ) from named debt collector in the amount of {$1800.00} from XXXX. I never received proper information stating this debt was mine or that i signed anything. A copy of a cable bill isn't proof of ownership of debt.I know my rights as a consumer.I disputed this alleged debt to credit bureaus but haven't shown proper verification that this company is allowed to collect alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU ARE IN VIOLATION. Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Checking or savings account

RE : Friday, XX/XX/year>, at XXXXXXXX XXXX, Terminal XXXX, Sequence XXXX, I went to the ATM of Chase Bank, located at XXXX XXXX XXXX, XXXX, LA XXXX. I went to the outside ATM to quickly deposit {$3000.00} cash. The ATM returned {$300.00} ( XXXX, XXXX XXXXXXXX XXXX XXXX ) to me and stated that I only deposited {$1200.00} in cash. 

I went inside and spoke a banking associate who quickly filed a claim. She told me that a bank employee would count the ATM and find the discrepancy, likely within 2 days. 


I called Chase at XXXX, the Fraud Claims department. The claim number is XXXX. She read the notes to me that stated the XXXX branch Closed the file, WITHOUT even opening the ATM. XXXX was who I spoke to in the Fraud Claims. She was also astounded that they closed the file without ever counting the ATM to look for my {$1500.00}. 

I spoke to a local business owner, who also banks with Chase, and she said that she deposited {$2800.00} a month ago and her receipt only showed {$300.00}. She was also told that there was nothing that could be done about the situation. 

On XX/XX/year>, I called the Chase Fraud Claims line to see if there was an update. I was told that a bank employee opened the ATM on XX/XX/year> at XXXX and did not report finding an extra {$1500.00}. It was very difficult to understand the employee and I asked to speak to a supervisor and the telephone representative hung up the phone. 

I called back to speak with a supervisor, her name was XXXX. She checked with the investigation team and they supposedly counted the ATM on XX/XX/year> at XXXXXXXX XXXX and did not find the extra {$1500.00}. I am getting different stories from Chase Bank about who opened the ATM, times, and dates. Who actually opened the ATM? What day? What time? Everyone has different answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute the following XXXX XXXX XXXX XXXX XXXX fraudulent accounts multiple time and they confirm it as valid however they failed to provide me with the proof after multiple certified mail requests
Product: Checking or savings account

On XX/XX/2020, I tried to link my XXXX account to my bank from my phone. Every time I tried there was an error, so I tried using my computer. I got an email the same day saying within 3-5 business days XXXX would make two small deposits and to give them that information. However, the deposits never came. I later came to learn PNC made changes that are causing me to miss out on financial opportunities.
Product: Mortgage

in XX/XX/2018 i was 2 months beind on my morgage with ocwen i had onappointment with my relastion ship manager on XX/XX/XXXX he wasnt aval i spoke to on nnother manager he told me since i apply for new modification give me new oppt XX/XX/XXXX when he call me on XX/XX/XXXX he told me my modification was denid and can not accept a payment becouse i/m 90 days late now and he will give me a payment plan wiicth also was denid he said my icome to low i dont know what to do we want to stay in our home
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the late payments XXXX XXXX XXXX reported on this account. XXXX and Equifax refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Debt collection

I have requested that XXXX provide me with verification and validation but to no avail. This is not my debt and i never received any notice of this alleged debt. Now they continue to call and may threats
Product: Payday loan, title loan, or personal loan

Company has been paid in full by XXXX but refuse to send company, required information in order for me to receive my refund. Its been over a month and nothing still has been done. Date of Of Loss XX/XX/2019 In XXXX Texas During Imelda Storm.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft 05 XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Debt collection

I am writing to file a formal complaint against Contract Callers regarding their unethical and unlawful actions in reporting a debt to my credit report without notifying me. This debt was previously deemed not mine through XXXX XXXX after a previous complaint with the CFPB, and it was successfully removed from my credit report once investigated. 

Last month I discovered an adverse entry on my credit report from Contract Callers Collection Agency for a purported debt that I was never made aware of. This action has had a significantly negative affect on my financial well being I would like to bring to your attention that this debt had been previously disputed with another company, as evidenced by CFPB 's findings. The resolution of the previous dispute resulted in the removal of the debt from my credit report. However, it has come to my attention that Contract Callers has irresponsibly and unfairly reported this debt to the credit bureaus without providing me any prior notification or validation of this debt. They have disregarded my consumer rights by failing to notify me and not adhering to FRCA and my consumer rights. This is not my debt. I have not had any XXXX account in my name in recent years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute any and all alleged debt. I requested burden of proof in credit file dating XX/XX/21 but did not receive that information. A very detailed letter was sent and a Company name I did not state on that letter was disputed stalling the process. I need all documentation stating that this alleged debt belongs to me and not a billing statement or credit report stating verified.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that this account is late though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNT : XXXX XXXX.
Product: Student loan

I have only ever borrowed a total of {$65000.00} of student loans from ALL of my previous institutions. I contacted each institution and had them send me a copy of the disbursed loans. The total amount added up to {$65000.00}. Somehow, Navient says I owe {$93000.00}, and can not explain exactly HOW I owe this amount. They tried to tell me it was accrued interest.. I asked how it was possible to accrue {$30000.00} in interest in 3 years at a 6 % rate, and then they told me it was due to the loan consolidation, and blamed University XXXX XXXX for overstating disbursed amounts. SO I contacted University XXXX XXXX who assured, and sent me proof they ONLY added the total amount I actually borrowed. I would like
Product: Debt collection

On XX/XX/2018 my XXXX year old saw a doctor. She has VA XXXX at the time. After MULTIPLE harassing phone calls to not only my phone, but the mother of my daughter, she called and for the 3rd time gave them my daughters insurance information. Which they continued to bill me instead of the insurance. I verified that the insurance was active at that time.
Product: Debt collection

Citizens Bank Mortgage not letting me out of forbearance. Not able to refinance and costing me over {$1000.00} a month due to current high interest rate with them. They know I can't refi due to XXXX XXXX  regulations as long as I'm in forbearance.
Product: Credit card

They freeze my account and declined charges as they thought it was fraud charge and let me contact them, I did and they verify transaction with me in the past 3 days, and also let me verify my identity through text message code, which they said can't be sent to my registered phone number, but need to to someone else phone number, so i used my husbands. All good and they told me account was unfreezed as no fraud charge confirmed, and I can resume purchase. My purchase got declined again and I saw the account was still froze, so I called again and asked to speak to a supervisor. I asked why still frozen and there is no answer, and I need to verify again. I asked if they can pull the recorded phone message I did with prior representative and she said no, and she said to verify my identity, since I already used my husband 's phone number, she said I can't use his number again for them to send me the code, and i can ; t use my own number also, I have to provide another phone number. This did not make sense to me and I told her I can't give a third phone number and is there any other way, she said only way is to MAIL me a code then I can call them again, mail usually arrive in 3 to 5 days. I have never seen other credit card companies doing this and they definitely did not do this before. I have closed my account but reporting this as this is just a terrible experience and this practice is not making any sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received my credit report and there are several inquires that do did not have my permission to be on my report. These hard inquires are hurting me from being approved. I have already reached out to XXXX, Experian and XXXX multiple times they keep violating my rights 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 nameXXXX XXXX on Experian credit Report is XXXX XXXXXX/XX/XXXX, On XXXX Credit Report there are XXXX hard inquires listed that need removed are XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX On XXXX credit Report there are XXXX Hard Inquires listed XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX has violated my rights and these hard inquires need removed immediately. 

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: Mortgage

I am informing that Lakeview Loan Servicing LLC has a deficiency in their operational controls when it comes to customer service reading the LTV value. The FHA loan rules found in HUD 4155.1 do address how LTV is calculated. In Chapter Two Section A, we find the following instructions to the lender : The maximum mortgage amount that FHA will insure on a purchase is calculated by multiplying the appropriate loan-to-value ( LTV ) factor by the lesser of the propertys sales price, subject to certain required adjustments, or appraised value However, in the multiple instances that I called their customer service department, they quoted me an incorrect percentage based upon the property value ( XXXX ), which was not the same as the sales price ( XXXX ). As such, I have directed funds away from additional principal payments towards this account, and in doing so they will have effectively cost me {$490.00} by their lack of controls in telling customers the correct LTV %. Whether this is intentional to scam customers or simply negligent, I can not prove. But their lack of correct information has effectively cost me money and that is why I am submitting a complaint. Their lack of providing me with correct LTV information has forced me to take time away from my work and cost me direct dollars that could have, and should have been easily avoidable. I think if nothing else this is something every customer should be aware of and is worth looking into. Providing missinformation to customers that leads them to make poor financial decisions is inherently wrong. If nothing else, I hope that others can learn from my mistake. Please do not rely solely on what their customer service representatives tell you is the correct LTV. You need to do the calculation yourself and you need to make sure you are using the right numbers. They have cost time and money by hoping they would be " helpful. '' Unfortunately, has not worked out for me. I hope others can learn from this as a warning when dealing with their customer service department, who I recognize is a completely different department than the individuals actually reviewing MIP and whether or not to cancel it. There is an internal disconnect at that company. It's a major issue.
Product: Checking or savings account

Chime banking advertises My Pay as an option to access all of your potential before your regular payday. Chime also claims that whatever the amount that you are approved for via My Pay, a customer can obtain that total amount immediately. These claim are not true based on the fact that Chime only releases the amount the customer is approved for in increments only. If the customer is approved for {$300.00}, it will be dispersed daily in increments of {$82.00}, {$42.00}, {$41.00}, etc until that {$300.00} limit is reached. Chime also charges a {$2.00} fee to access these funds immediately, or they are free if one can wait 24 hours. These fees are included in the amount that you are approved for, so the customer will never access the full amount of money, but will be charged for it. This is very deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX reached out to the US Dept of ed., which has been reported on my credit report since XXXX. XX/XX/XXXX recently provided them with my email address of which I am being harassed. As of today, my FICO score was dropped 105 points due to payments on this account not being made. US Dept of Ed, stopped these payments themselves due to the Pandemic, stated in an email sent to me on Saturday, XX/XX/XXXX. 
If the US of ED, stopped taking payments because of the pandemic, why on earth did they report this account 120 days late. 
Also, on XX/XX/XXXX and XX/XX/XXXX, activity by CAPITAL ONE was reported to XX/XX/XXXX for charges that were pending on my account from a purchase made at XX/XX/XXXX late the evening before. When I called XX/XX/XXXX on XX/XX/XXXX, the representatives stated that Capital One provided them this information. Under FCRA, card usage done by debtor can't be reported until the billing cycle, mines is the XXXX of each month, yet XX/XX/XXXX had access to my shopping in XX/XX/XXXX, transaction still pending, to which my credit score was reduced 10 points on XX/XX/XXXX, the following day after the purchase was made. Also, I made payments to this account to decrease the balance, before my billing due date, this information was not reported or updated, nor did it increase my credit score back to the previous score after losing 10 points. It is also fair to note that Capital One would not allow me to make a payment, because my transaction was still pending and my balance was still low, too low for them to allow me to make a payment. How didXX/XX/XXXX get a hold to this information? 
Last but not least, XXXX is reporting inaccurate information, has failed to update, information, that the account was sold to a collection agency, when and the amount it was sold for, in addition to providing the name of the new account holder, and keeps reporting this information as verified. on XX/XX/XXXX, I sent a certified letter, asking XXXX to validate this account. It is now XX/XX/XXXX and XXXX XXXX  has failed to validate any updated information. XXXX sold this account which means they no longer own the debt, but they are refusing to update my credit report or respond to me directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Chapter XXXX Bankruptcy reporting on my credit file. Reference Number XXXX I have verified with USBK COURT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX They do not report or subscribe to TransUnion or XXXX so how is it possible that you have verified this info. Remove at once or I will file a lawsuit and seek damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$9300.00}