23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute Regarding Missing 1099 Statement for Car Loan I hope this letter finds you well. I am writing to dispute the accuracy of my credit report and bring to your attention the absence of a 1099 statement from XXXX XXXX XXXX  account # XXXX regarding my car loan for the tax year XXXX. Despite my efforts to obtain the necessary documentation, the bank has failed to provide me with the required 1099 statement for tax reporting purposes.

As per my understanding and in accordance with IRS regulations, financial institutions are responsible for providing their customers with the appropriate tax documents, including 1099 statements, for taxable income earned through loans and other financial arrangements. Unfortunately, XXXX XXXX XXXX has not fulfilled this obligation in my case. 

I have made multiple attempts to contact XXXX XXXX XXXX  to request the 1099 statement for my car loan, but all my efforts have been in vain. I have spoken with their customer service representatives, sent emails, and even submitted written requests, but to no avail. Despite assurances that the matter would be resolved promptly, I have yet to receive the necessary documentation. 

I am writing to inform you of this discrepancy in my credit report and request your intervention to rectify the situation. I kindly ask that you investigate this matter and remove any negative reporting related to the missing 1099 statement from XXXX XXXX XXXX  account # XXXX. It is essential to note that the absence of the 1099 statement inaccurately reflects my tax reporting obligations and may negatively impact my creditworthiness. 

I have enclosed copies of the correspondence exchanged with [ Bank Name ] and any supporting documentation to substantiate my claims. I believe this evidence will demonstrate my genuine efforts to obtain the necessary documentation and the failure of XXXX XXXX XXXX  # XXXX to fulfill their obligations in providing the 1099 statement. 

I kindly request that you conduct a thorough investigation into this matter and provide me with a written response regarding the outcome of your investigation. Furthermore, I request that any negative reporting related to this issue be corrected or removed from my credit report promptly. 

I appreciate your attention to this matter and your commitment to upholding the accuracy and integrity of credit reporting. I trust that you will take the necessary steps to rectify this discrepancy and ensure the fair representation of my credit history. 

Should you require any additional information or documentation to support this dispute, please do not hesitate to contact me at your earliest convenience. I am more than willing to provide any necessary details to facilitate a timely resolution. 

Thank you for your understanding and prompt action in addressing this matter. I look forward to a favorable resolution and the accurate representation of my credit history. 

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

On XX/XX/2021, I engaged the services of a credit repair company, which subsequently retained a financial services company to manage my monthly payments. However, an employee of the credit repair company ( later revealed to be a scammer ) contacted me the day after I signed up, warning me about the company 's unethical practices and advising me against proceeding. Despite this, I continued with the services, only to find that the company failed to deliver on its promises and eventually went out of business. 
To my dismay, the financial services company continued to report negatively on my credit for non-payment, despite the fact that the credit repair company had failed to provide the agreed-upon services and had ceased operations. Upon reviewing the contract, I discovered that there was no provision holding me responsible for monthly payments in the event of non-rendered services or company insolvency. 
I have obtained a copy of the contract and have previously succeeded in having the negative marks removed from my credit report. However, the financial services company has since found a way to reinstate these marks. I am seeking to have them permanently removed, as the services were never rendered, and the credit repair company had hired a scammer who had access to my personal information, as well as that of my mother.
Product: Credit reporting or other personal consumer reports

I am writing to DISPUTE the following memorandums that your company supplied to one or more consumer reporting agencies.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, absolute even if unexceptional adhering of Federal and state reporting laws and or fairness in your obedient adhering to the mandatorily adapted credit reporting industrys standards namely the XXXX own CRRG-detailed XXXX Formatted reporting without deviation ( s ), errors, nor omissions ofconsanguineous documented compilations that possibly can else better ensure integrity of precepts or dogmas in behest made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which may have NOT been satisfied or suitably maintained. I further, and you are MANDATED BY LAW to comply with, that you present confirmable evidenceof any negativitys certifiably docile reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are more than the requisite to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED.
Product: Credit reporting or other personal consumer reports

It has come to my attention that several accounts and inquiries were initiated without my explicit consent. In accordance with 73 P.S.201-1-201-9-2, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, it is imperative that these unauthorized accounts and inquiries are promptly blocked and removed.

Furthermore, both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions. a police report has been filed and Attached to substantiate the fraudulent nature of these items, as required by the aforementioned regulations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX inquirires are also fraud mentioned XXXX the ftc report XXXX IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

1. XXXX ACCNT XXXX XXXX 30 days late on XXXX XXXX 60 days on XXXX XXXX, 90 days on XXXX XXXX  120 days on XX/XX/2022, XX/XX/2022, and XX/XX/2022. 

2. XXXX ACCNT # XXXX 30 days late on XXXX  XXXX, 60 days on XXXX  XXXX, 90 days on XXXX  XXXX, 120 days on XX/XX/2022, XX/XX/2022, and XX/XX/2022. 


I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized credit inquiries on my credit report. I have reviewed my recent credit report and found several inquiries that I did not authorize. These unauthorized inquiries are listed as follows : XXXX XXXX XXXX XXXX - Date of XXXX XXXX XXXX XXXX - Date XXXX Inquiry : XX/XX/year> XXXX Bank XXXX XXXX XXXX - Date of Inquiry : XX/XX/year> XXXX auto- Date of Inquiry : XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> These XXXX were made without my permission, and I have no record of having applied for credit or given consent to these entities to perform a credit check. Unauthorized credit inquiries can negatively affect my XXXX XXXX and XXXX be a result of potential identity theft or fraud. 

I request that you immediately investigate these inquiries and remove them from my credit report if they are found to be unauthorized. Please provide me with written confirmation once these inquiries have been removed or provide a detailed explanation if you find otherwise. 

In addition, I request a copy of my updated credit report reflecting the corrections made. Please notify me of any findings or additional actions needed on my part.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX, 2023 ADVANTAGE XXXX XXXX XXXX XXXX, 2023 ADVANTAGE CREDIT XXXX XXXX XXXX, 2023 XXXX XXXX XXXX
Product: Debt collection

Dear Sir/Madam, I am writing to formally lodge a complaint regarding a collection account that remains on my credit report despite being fully paid. The account in question was with Credit Collection Services and I completed the payment in full on XX/XX/scrub> 2024. 

Despite my efforts to resolve this matter, the collection account has not been removed from my credit report as agreed. I have contacted the creditor and the credit reporting agencies multiple times, provided them with all necessary documentation, and requested the removal of this account in accordance with the terms of our agreement. 

This unresolved issue has negatively impacted my credit score and caused me significant stress and inconvenience. I believe that my consumer rights under the Fair Credit Reporting Act ( FCRA ) are being violated, and I am seeking the CFPBs assistance in resolving this matter promptly.
Product: Debt collection

I paid this account in full. I have received a letter from the local judge stating that the case has been dropped and they still refuse to take it off of my credit report
Product: Credit card or prepaid card

CapitalOne owes me {$250.00}. I am forced to hold for 30 minutes or more, and when I do get them on the phone, they cant help me. Their reps are not authorized to reverse an incorrcectly applied charge to my account. They incorrectly applied fees and interest to my account. I've submitted numerous complaints, online and by fax, and the responses are computer generated and do not pertain to my complaint.
Product: Credit card or prepaid card

Tried to open a credit card online and a checking account put dob ssn picture of ID. capitalone said they could not verify and they could not find my application and website said they would send an email. No got any email. Sounds like a fake website trying to get your personal info and picture of I'd to steal identity or worse.
Product: Credit card

XXXX XXXX Credit card with Bank of America was opened without my knowledge.
Product: Credit reporting or other personal consumer reports

I have requested for numerous months throughout the year for written method of Validation for all accounts that the are listing on my credit report. They only send me the credit report with the same comments that they validated the accounts as accurate. They have not provided me proof of said items to include the request of method of validation. 

XXXX XXXXXXXX-showing late payments that are incorrect. Requested negative information to be deleted unless validated correctly and provided proof. 

XXXX XXXX XXXXXXXX-Showing derogatory and I've requested the method of validation. Requested to be deleted in not validated correctly. 

XXXX XXXXRequested method of validation and to be deleted if not provided requested information. 

XXXX XXXXXXXX-showing late payments that are incorrect. Requested negative information to be deleted unless validated correctly and provided proof. 

XXXX XXXX XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXX XXXX XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXX-Requested method of Validation and proof of negative information or delete from report. 

XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXX XXXX Bankruptcy- Requested method of Validation and proof of negative information or delete from report. USBK Court of XXXX XXXX DOES NOT report this information to any credit reporting agencies.
Product: Debt collection

XX/XX/XXXX Sent and Received certified mail for Demand Debt Verification and Cease & Desist from reporting. I C System has flagged your account as Collections on XXXX XXXX XXXX XXXX I have not received any verification of debt or reply. Company violated the cease and desist by reporting to credit bureau with providing me written proof as requested.
Product: Mortgage

I became behind in my payments and sent them ALL of the information for a modification and they kept kicking it back saying they either did n't receive the information or it was n't complete. The last time I submitted the information they stated they received all of the information but did n't receive it in time. I then received a foreclosure notice but filed bankruptcy to keep my house. I was supposed to make my first payment XXXX XXXX but they have deactivated my account AND I am unable to make a payment. Additionally they are n't taking my calls or my attorney 's. I believe this was deliberate ploy to take my home because they are getting paid for loan especially if it is an FHA mortgage. They are doing things that should n't be done and it needs to be investigated.
Product: Credit reporting or other personal consumer reports

I filed an online dispute with TransUnion regarding the account identified as XXXX XXXX  XXXX XXXX # XXXX, which is listed on my credit report. I assert that this account does not belong to me and provided supporting documentation to substantiate my claim. Despite this, TransUnion marked the account as " verified and accurate, '' which I believe is incorrect. 

Beyond this issue, I have encountered rude and dismissive responses from TransUnion representatives when I sought clarification on the dispute process. I feel that my concerns have been ignored and that my dispute has not been handled with the level of professionalism or urgency that is owed to all consumers, regardless of their background. I also feel as though my experience has been marred by XXXX discrimination, which is an unacceptable and unprofessional practice. 
Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accura
te investigation of any dispute related to my credit report. TransUnions failure to properly investigate and remove the account after I provided clear evidence of its inaccuracy constitutes a violation of my rights.

I am requesting the immediate removal of this account from my credit report, as it is causing unwarranted harm to my XXXX XXXX. Furthermore, I request that TransUnion address the unprofessional behavior and XXXX discrimination I experienced, as it severely impacted my experience and trust in the company. I have given TransUnion a XXXX deadline to resolve this issue, and failure to act will result in formal complaints to the CFPB, the XXXX XXXX XXXX XXXX XXXX ), and potential legal action.
Product: Credit reporting or other personal consumer reports

Hello. 

Since XXXX, I have been sending letters to XXXX, Equifax, and XXXX XXXX asking them to remove some incorrect information from my credit report. I disputed fake names of XXXX XXXX, XXXX XXXX, and XXXX XXXX. I also disputed addresses that never belonged to me of XXXX XXXX XXXX, and XXXX XXXX XXXX. I then disputed other accounts which I knew were past the statute of limitations.

Since then, I have only ever received notices from XXXX XXXX with investigation results and all the deletions I have requested. I have received nothing but crickets from XXXX and Equifax... 

After some research as to how I should proceed with companies that do not respond, I come across articles that say your agency just happened to sue both Equifax and XXXX this month with conducting sham investigations or failing to investigate properly for two years! Apparently, they have been doing this to not only me, but to many others as well. Thank God for the C.F.P.B. I say! 

Please help me to get XXXX and Equifax to remove these names which aren't me and addresses which also are not mine from my report. People shouldn't have to resort to lawsuits to get simple issues like this resolved. It's obvious I can't be me as well as XXXX, XXXX, and XXXX. I also shouldn't have to dispute things over and over and over without a response. I only wish you would have punished them for more than XXXX XXXX apiece. These are conglomerates and should have to feel the suffering and pain us people feel when lies and misinformation are spread about them and the company in charge of keeping accurate records doesn't care about fixing them.
Product: Checking or savings account

My account was locked on XXXX XXXX XXXX due to suspected fraud. I have contacted them many times telling them there was no fraud and to unlock my account and they give me generic responses and will not unlock my account. They say for my protection but as no fraud had happened. I have asked many times for it to be unlocked. It has all funds I have in that account. They left me stranded at night when it was below XXXX degrees I had to beg my ex to drive XXXX miles to get me and leave my car without gas. And me with no cash due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact the company ( Nordstrom ) in regards to a wrong reporting of 2 payments. It was on automatic payments and they failed to accept the payment on time. Back in XXXX and XXXX XXXX they reported on my credit report that they were late yet have not been able to provide evidence to validate i the consumer is at fault. I have requested for them to removed these false accusations and have not been taken into consideration.
Product: Debt collection

Portfolio Recovery is harassing my family. The calls are constant. They call my XXXX year old mother who happens to have the same name as mine. They have even called in Sundays. My mother is sickly and it is horrible. I do not know how they got her phone number. Her number is XXXX XXXX XXXX. Now they are harassing my son who does not live with me. Hid phone number is XXXX XXXX XXXX. The number they called from is XXXX XXXX XXXX. I believe this has to do with XXXX XXXX when I lost my job. I was late on my payment. I finally made the full payment to XXXX XXXX and I believe it was {$400.00}. XXXX XXXX took the payment and after it was paid I was told by the representative that my debt had gone to a collections bureau the day before. One day before. It was paid with my XXXX account and this was about 5-6 years ago. I refuse to pay for a debt that I already paid for. Also, I do not want anyone harassing my mother or my son or anyone else including my employer. The calls are nonstop and from different phone numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to bring to your attention that all 3 credit reporting agencies XXXX Equifax and XXXX  are abusing their authority in keeping consumer credit scoring. I have been suffering financially because of the COVID-19 situation. I have been trying to fix my credit since XXXX so that I can borrow credit in order to sustain with family during this difficult situation. 
Just to sum it up, below are the ways they are making me suffer ; My credit scoring has not changed since XXXX. It is as if they have blacklisted me from gaining points I used my savings to pay off 3 collection accounts that were on my credit report. Although they have removed those collection accounts but the agencies are not returning around 75 points that they had deducted when the collection accounts got on my credit report There have been positive and negative events on my credit report since XXXX but they have not given me any points for positive developments Please help me out in getting this straightened out. This is the last thing the tax paying citizens need to worry about in this pandemic. 

I am attaching one of the correspondences I had sent to them in this regard. They have ignored my request in their responses. 

Thanking you ...