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

I am writing to lodge a formal complaint and request an investigation regarding a charged-off account, Account name : GM FINANCIAL XXXX Account number : XXXX inaccurately reported by a creditor. Specifically, the creditor has unlawfully reported a charged-off account while simultaneously reflecting a balance on my credit report. This reporting practice violates my rights under federal law, including the Internal Revenue Code ( Title 26 ) and the Fair Credit Reporting Act ( FCRA ). Furthermore, I have not received a 1099-C from the creditor, which is required when debt is canceled, discharged, or otherwise written off.

Basis for Complaint Failure to Issue 1099-C as Required by IRC 6050P Under the Internal Revenue Code ( IRC 6050P ), a creditor is obligated to issue a Form 1099-C when a debt of {$600.00} or more is canceled or charged off. The absence of a 1099-C creates ambiguity about the legal status of the account. It is a clear indication of noncompliance with federal tax reporting requirements and calls into question the validity of the continued reporting of any balance.

Inconsistent Reporting of a Charged-Off Account By reporting the account as " charged-off '' while still reflecting a balance, the creditor is engaging in inconsistent and inaccurate reporting. A " charge-off '' designation signifies that the creditor has written off the debt as uncollectible and ceased collection activities. Therefore, any balance reported is misleading and violates the accuracy standards required under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ). 

Court Precedent : XXXX XXXX XXXX XXXX XXXX Bank In XXXX XXXX XXXX XXXX XXXX Bank, the court held that once a debt is charged off, it can not simultaneously remain active for reporting purposes or accrue interest. This precedent underscores that reporting a charged-off debt with a balance constitutes a misrepresentation of the debt 's legal status and harms the consumers creditworthiness. 

Violations of Law IRC 6050P requires creditors to issue a Form 1099-C for debts deemed canceled, charged-off, or discharged. The failure to comply violates federal tax law.

FCRA ( 15 U.S.C. 1681e ( b ) ) mandates that information furnished to credit reporting agencies must be accurate and not misleading. The continued reporting of a balance on a charged-off account is inconsistent, inaccurate, and unlawful.

Requested Actions I respectfully request that the CFPB : Investigate the creditors noncompliance with IRC 6050P, particularly the failure to issue a Form 1099-C ; Require the creditor to clarify the legal status of the charged-off account and correct any inaccurate reporting ; Direct the creditor and credit reporting agencies to remove the charged-off account and balance from my credit report ; Enforce compliance with the FCRA and federal tax laws to prevent further violations of my rights.
Product: Debt collection

XX/XX/2020 To Whom It May Concern, I was never given notice before being garnished from my check by ADP on behalf of XXXX, XXXX, XXXX XXXXXXXX XXXX. for 10-11 % of my weekly net pay. ( Case ID : XXXX ) I am XXXX and this has caused a hardship for me. I can not pay my rent now. 
I was not notified about a judgement or given any opportunity to present my income and explain my hardship and show my bills. 
I need this to stop immediately. 
I need to know what the debt is and who it is from. 
If it is legitimate, I can only afford to pay {$5.00} per week at most. 
I need legal assistance. This is an unfair and predatory debt collection practice. It cant legal. Its definitely unethical. I can not believe that they are allowed to garnish my pay without explaining anything to me or giving me any prior notice. 
Please assist me with getting this resolved and legal and regulatory guidance. 
Update : Today, I just found out that it was from a XXXX XXXX. I haven't been able to review the account history to know if it was mine. I had a XXXX XXXXXXXX card in Pennsylvania. I'm told that I was sued by XXXX XXXXXXXX and I live in Washington now. 
Additionally, the garnishment letter was dated XXXX, postmarked XXXX and mailed from Texas to XXXX. I was garnished on XXXX. I just received the letter about one day ago. I was not notified before it happened. 
There were no other correspondences from any of them before this.
Product: Payday loan, title loan, personal loan, or advance loan

When I initially took out the loan, the company has in their fine print that APRs can range from 34.5 % 35.99 %. It was not until I signed my contract that I was given an XXXX of 480.49 % with XXXX coming out of my account every XXXX weeks. I was having trouble making this payment as it did not align with my pay and I contacted the company. The most they could offer me was to change my due date which only increased the daily interest and made my payment amount go up to XXXX twice a month. To date, I have paid the company a total of XXXX. I have a remaining principal of XXXX. My loan was only for XXXX initially. They have only added nearly {$52.00} of what I paid to the principal. In the end they are expecting me to pay over XXXX solely because of interest. They are taking over {$700.00} a month from me and I am in more of a financial bind due to this loan. I am unable to provide for myself and difficulty paying rent and major expenses because of this loan. I should be nearly done with this loan as I have put out so much money already. From what I was informed, an APR of XXXX is illegal. The loan agree is completely different than what you are reviewing at the time of signing.
Product: Credit reporting, credit repair services, or other personal consumer reports

All Four accounts showing overdue and in collections from XXXX, XXXX, XXXX, and XXXX were previously paid and are falsely being reported to the credit agencies. I have attached the receipt I requested from the collection agencies.
Product: Credit reporting or other personal consumer reports

The reporting agency Transunion said the account is accurate. Am therefore asking them to produce the written findings and the original purchase agreement 15 US Code 1681 15 US Code 1692 ( C ) The collection account in question is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Product: Debt collection

XXXX of 2022 an account was opened in the amount of {$850.00} with L J Ross Associates. I was never notified of the alleged debt via writing nor by a phone call and they have reported this information to the credit bureaus and it is having a negative impact on my credit. Not only is this a violation of my privacy, I've never conducted business with this company and would like for them to present the original contract with my signature to validate the alleged debt.
Product: Checking or savings account

a zelle transactions caused account to be overdrawn causing banking problems
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain fraudulent accounts and unauthorized inquiries on my credit report. As a victim of a data breach, I believe these accounts and inquiries were added without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request their immediate removal. 
Accounts to Be Blocked and Deleted XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$560.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$0.00} XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$0.00} Inquiries to Be Blocked and Deleted XXXX. XXXXXXXX XXXX XXXX XXXX  ( Date : XX/XX/XXXX ) XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Date : XX/XX/XXXX )
Product: Debt collection

This agency is attempting to collect a debt that is fraudulent from XXXX that i have ocular proof of fraud and have filed a complaint with the FTC on this fraudulent activity on XXXX and a previous debt collector and now XXXX has sold the debt as if it is valid and not corrected the fraudulent charges which were specifically prohibited by the signed contract XXXX XXXX 2009. This new agency has reported this issue as a new and valid debt and I have no contract with this agency. I have not been notified of any debt by this agency and I do not have any business with this company and refuse to do business with anyone who presents fraudulent charges as true. I never contracted with this company and have no business with them and do not intend to do business with any company that partakes in fraud by passing debt that has been proven to be fraudulent XXXX was the original creditor but they were advised and shown the fraudulent and false activity.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have requested many issues on my report be resolved and many issues still remain
Product: Vehicle loan or lease

Complaint Regarding Denial of Credit Application for XXXX  Mercedes Benz XXXX XXXX XXXX XXXX XXXX I am writing to file a complaint regarding the denial of my credit application for a XXXX  Mercedes Benz XXXX XXXX XXXX XXXX XXXX. I believe the denial was based on deceptive practices by the dealer/financial institution. 

On XX/XX/year>, I applied for credit to finance a XXXX Mercedes Benz XXXX XXXX XXXX XXXX XXXX at MERCEDES-BENZ XXXX XXXX. During the application process, I was provided with information that I now believe to be deceptive. Specifically, I was assured that my credit application would be approved based on preliminary checks and the dealer/financial institution 's guidelines. 

However, after completing the application and submitting all required documents, I was informed that my application was denied. This denial came despite prior assurances and information that suggested a high likelihood of approval. 

The information I received included misleading statements about the terms of credit and false assurances regarding the approval process. I have documentation from the dealer/financial institution that supports my claim of deceptive practices. 

The denial of my credit application has caused significant inconvenience and financial planning disruptions. I had made arrangements based on the assumption that my application would be approved, as suggested by the dealer/financial institution. 

I am seeking a thorough investigation into the practices of MERCEDES-BENZ XXXX XXXX and reconsideration of my credit application. I believe that consumers should be protected from such deceptive practices and that appropriate measures should be taken to prevent similar issues in the future. 

Thank you for your attention to this matter.
Product: Credit reporting

After looking over my credit report I see the information is being reported wrong. So, I like to have the information reporting correctly on my credit report file. I had an account with XXXX XXXX that I paid off in full. But it is not being reported as so on my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violation.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX. XXXX for reporting inaccurate information on my credit reports. Specifically, they have reported missed payments, late payments, and an incorrect balance owed. The balance reported is significantly higher than what I actually owe, and I have never made a late payment on this account. Despite my efforts to dispute and correct this information, it remains inaccurate, which is damaging my credit profile and violating federal law. 

Details of the Issue : Incorrect Balance Owed : The balance listed on my credit report is {$170000.00}, which is incorrect. The true amount I owe is significantly less than this amount. The reported balance does not reflect the accurate debt. 
Inaccurate Reporting of Payments : The account history shows missed payments and late payments, which are completely inaccurate. I have never missed a payment or made a late payment for this account. I have consistently paid on time, and this misrepresentation is harming my credit score. 
Failure to Correct Discrepancies : I have already disputed these issues with the credit reporting agencies, but the information has not been updated or corrected by XXXX. XXXX, and the inaccuracies remain on my credit report. 
Violations : Failure to Report Accurate Information : XXXX. XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate account details, including the balance owed and payment history. 
Damage to XXXX : The incorrect reporting of missed and late payments, as well as the inflated balance, is negatively impacting my credit score and making it more difficult for me to manage my financial affairs. 
Failure to Correct Disputes : Despite my efforts to dispute the inaccurate information, XXXX. XXXX has failed to correct the errors or provide adequate validation of the reported debt, violating my rights under the FCRA. 
Request for Action : I respectfully request that the Consumer Financial Protection Bureau investigate the following : The inaccuracies in the balance owed and payment history reported by XXXX. XXXX. 
The failure of XXXX. XXXX to correct the disputed information after being notified of the errors. 
The violation of my rights under the Fair Credit Reporting Act ( FCRA ), particularly the requirement to report accurate and complete information. 
Appropriate action to ensure that XXXX. XXXX updates the account information to reflect the correct balance owed and accurate payment history. 
I have supporting documentation available, including credit reports showing the discrepancies, proof of payments, and any dispute correspondence. Please let me know if you require additional information to assist with your investigation. 

Thank you for your prompt attention to this matter. I look forward to a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX  XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1800.00}, XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX Balance {$1400.00}, and XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts listed below are not mines. I have disputed before. 


XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX XXXX XXXX XXXX BANK DELAWARE XXXX XXXX XXXX 15 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX AUTO XXXX XXXX XXXX - - Installment Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 70 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX SVCS XXXX XXXX XXXX XXXX 528 % Revolving Negative XXXX XXXX, XXXX FED LOAN SERV XXXX - - - Installment Unknown XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed Transunion a certified letter with the tracking number # XXXX through the USPS. 

In my letter I made them aware of the following : they were violating my rights Pursuant to 15 USC 1681 ( a ) ( 4 ) under the Fair Credit Reporting Act by treating me unfairly and partial when furnishing transactions to my consumer report without consulting with me as to whether or not the transactions actually took place.

Transunion also violated my rights Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) by furnishing transactions to my consumer report which contain information solely as to transactions or experiences between me ( the consumer ) and the person making the report to them.

Transunion again violated my rights Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) by not giving me the opportunity to deny this information be communicated on my consumer report before placing it in my consumer report.

Yet again Transunion violated my rights Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ) by furnishing transactions to my consumer report whose authorization or approval were of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

I included in my certified letter a copy of my consumer report furnished by Transunion with all transactions that violated my rights highlighted. I also included a copy of how Congress defines the term credit card under 15 USC 1602 ( l ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I was contacted by my XXXX XXXX concerning a fraudulent account on my credit report reported by Capital One. This fraudulent account does NOT belong to me. I have never received a bill or paid a bill for this account, which I understand ends with XXXX. I called the Capital One number, asked for Fraud Department, spoke to a rep named XXXX, and opened Case Number XXXX. On XX/XX/XXXX, I received a Identity Fraud Information Report to fill out and send in to their fax number XXXX with my Drivers License and Social Security Card. I have submitted this form three times with no response. I have called their Fraud Line XXXX every week and consistently get the run around that they are either working on it or unable to bring up the Case Number for status. I am told that they are not reporting the account to the three agencies during investigation but it is still showing up on my credit report. I am unable to understand why this bank that advertises everywhere and presents themselves as such an outstanding operation is so unresponsive, disorganized, and dishonest. It is now XX/XX/XXXX and I'm still trying to get a response. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX My Experian report # is XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX .... 

requesting your method of verification I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you clam that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this in face was an investigative consumer report, I am also exercising my rights under 15 USC 1681a ( e ) Please keep in mind that you only have 15 days to respond to this request. If you do not respond in time, this trade account and all information of it must be removed from my consumer report.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and was shocked to learn that I have been victim of identity theft. I found numerous accounts on my record report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible