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

I received a IRS Form 1099C from Bank of America. The form is response for a debt from XX/XX/XXXX. I also saw that they ran a credit inquiry on me XX/XX/XXXX a few days earlier and wondered why, nor was there any information sent to me about it. 
I filed a Chapter XXXX on XX/XX/XXXX due to no ability to pay my bills. Bank of America made the decision to not file a claim ( standard policy? ). The charged off the debt on XX/XX/XXXX. 

The chapter XXXX was dismissed on XX/XX/XXXX due to financial hardship that I was no longer able to pay. 

I have never received any correspondence until the 1099C came this month. I phoned Bank of America on XX/XX/XXXX, due to severe reporting errors on the form. The IRS suggests to call the lender to see if it was sent by mistake or the errors were not known. The answer they give will decide how to proceed. The associate who took the call stated that it was based on my dismissal in XXXX. I told her that was a error. She stated to call back in a week or so. That is not a acceptable resolution. 

If the 1099C is income applied incorrectly to XXXX, my family will be over the limit to receive our health care credit. The taxes on the 1099C that will be due and loss of the health care credit will result in debt that I will never be able to repay to the IRS. 

Bank of America used code G in box 6 for the reason to issue the form. That code is for decision or policy to discontinue collection. That would be the exact reason for the Bank not filing a claim in XXXX with the Chapter XXXX and writing off the debt the same month. They used XX/XX/XXXX as the Date of Identifiable Event ( box 1 ). That date is completely without any basis, beyond random choice or mistake. Based on actual dates the form should be withdrawn as it has no use to either party. Then if issued the IRS would allow me to file a exemption of the tax. This would have had no effect on the Lender if done correctly. 

The second option if not already proven to be misleading would to file it in the year XXXX. The year of the discharge. The fact that the lender is unaware of their own reporting to the credit agencies of factual data is on the report they pulled is unacceptable. Using code G in box 6 stating their reason is intent due to policy would make this option appear invalid. I have read complaints of this invalid reporting becoming another Bank of America issue. 

I request a answer to their intent to repair the form so I can file the correct forms to the IRS, who will use my data included as proof to help me file. They will then take over with Bank of America 's reporting.
Product: Credit card or prepaid card

Late in XXXX I called the toll free number on the back of my Bank of America XXXX XXXX XXXX XXXX  debit card to check my balance. I found out that over 16000 dollars was missing. I was transferred to the fraud department to go over the charges over the last few weeks. The charges where for everything frames cell p h ones to airline tickets and where posted in XXXX and XXXX. My charges are at local atms and grocery stores. The representative agreed that the where obvious fraud. I filed a claim. A few days later when I called to check on the claim and was told it was denied. I asked why and was told .y my pin number was used.. I told them that was impossible since the card has been on my person and I had never lent it out and never gave out my pin number. I reopened the claim. A few days later I called and was again told it was denied. I was told to reopen the claim and file a police report which I did and also an fbi and occ report. I faxed everything to BofA. And was denied again. I don't know what to do. I am broke.
Product: Debt collection

CENTRAL FINL CONTROL ACCOUNT NUMBERs : XXXX XXXX XXXX XXXX, XXXX, CA XXXX PHONE : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CENTRAL FINL CONTROL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission CENTRAL FINL CONTROL acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

I defaulted on a XXXX XXXX credit card in 2013, and the government now garnishes two-thirds of my net military pay. I looked-up the law on wage garnishments, and they 're not suppose to take more than 25 %. I ca n't pay my rent, and I have been forced to apply for SNAP benefits ( food stamps ). When I call the military pay people ( XXXX ), they tell me they can take whatever money they want because it 's a federal debt.
Product: Credit reporting or other personal consumer reports

I initiated arbitration with XXXX XXXX due to my disagreement with the amount outlined in the FCRA and their agreement. According to their terms, I have the right to arbitration. Despite regular deductions from my bank account, they not only collected a recent payment but also sent threatening correspondence and charged off my account without ever acknowledging my arbitration request.
Product: Debt collection

This has been going on for over 2 years now. XXXX is trying to collect a " debt '' that doesn't exist. On XX/XX/XXXX I moved to another address, and completed a " transfer of service '' from my old address to the current one. When I first received a notice that I owed a past due balance ( this was around XXXX of XXXX ), I called XXXX and they apologized for the inconvenience, and assured me that the balance would be removed. Several months later, I got a similar notice. I called XXXX again. They advised me that there was no balance showing on the account for ANY of the previous addresses, and that I should disregard. Fast forward to mid XXXX, I start receiving notices from XXXX XXXX XXXX ( Debt collector associated with XXXX ) that I owed over {$400.00}. On XX/XX/XXXX, I filed a complaint with Consumer Financial Protection Bureau and on XX/XX/XXXX the issue was supposedly resolved. XXXX XXXX stated this in response to the complaint I filed : " ... .In response to this complaint, XXXX XXXX has closed this account in our office and returned it to XXXX XXXX If you have any further inquiries regarding this matter, you may contact XXXX directly. We sincerely hope this represents a satisfactory resolution to your concerns .... '' Now, I'm getting a notice from I.C. System Inc for the SAME EXACT THING. I do NOT owe XXXX any amount of money. They are mistakenly trying to collect a debt that I do NOT owe. They have told me SEVERAL times that " this issue would be resolved '' or " I don't see any past due balances on your account '', etc FOR OVER 2 YEARS NOW.
Product: Credit reporting or other personal consumer reports

XXXX sharing old accounts with other Finance companies and credit reporting AGENCIES and will not fix the problem Name is not right on Credit Report XXXX XXXX XXXX not XXXX XXXX setting me up for someone to use my credit authorize using on my account and I call my company and they had to remove my credit reports needs to be clean up and no one is doing it they put o neg account but showing neg reporting old car account from XXXX still on reports I got a car in XXXX XXXX XXXX they got a removal date in XXXX XXXX XXXX  Equifax same thing XXXX the same thing will not update or making Changes old Inquiry old not updating payments I call all my creditors they report monthly not changes address duplicate more then XXXX time some address not right will not let me dispute it and it is now going into XXXX some of there said not changes in payment last reporting in XXXX not correct my credit report is so mess up I do not understand it I ask for all XXXX  report never receive them
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? 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 UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account 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 THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXXXXXX
Product: Student loan

My private student loan is serviced by Access Group. 
Me and my wife declared bankruptcy due to medical debt. 
During the bankruptcy I was told the student loans did not need to be repaid until after the bankruptcy was final. This was true for my Federal loans, but not true for this private loan. 
I had made arrangements with the debt collections agency XXXX XXXX to pay {$200.00} per month to settle the debt. The last payment I sent to XXXX XXXX was on XX/XX/2019 for {$200.00}. XXXX XXXX said they would no longer accept my payments and I then had to pay Access Group Directly. I paid Access Group {$200.00} on XX/XX/2019, XX/XX/2019, and XX/XX/2019. 
On XX/XX/2019 I began receiving harassing phone calls from another collection agency XXXX XXXX XXXX. They said that my account was in collections and that I needed to pay the full amount, less than {$2100.00}. I told them that I had been repaying {$200.00} a month to another collection agency and then to Access Group directly. They did not have this information and could not confirm that I had ever paid on the loan. 
I called Access group where they were very rude almost unable to answer simple questions about my account like how much I owed and what the last payment was. They confirmed that the account was sent out to a collection agency due to an internal financial decision that was made. The representative I talked to was not able to share with me more than 1 previous payment history without a written request. The representative also said that my current balance due is over {$2400.00}. 
I have not received any mail or documents to notify me that my account is being serviced by a debt collector or that Access group will no longer accept my payments directly.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : THE FOLLOWING ACCOUNTS ARE IN VIOLATION OF MY CONSUMER RIGHTS! 

I DEMAND THESE ACCOUNTS TO BE UPDATED TO FULLY PAID AND 100 % PAID ON TIME! 

ACCT : XXXX XXXX ACCT # : XXXX ACCT : XXXX XXXX XXXX  ACCT # : XXXX ACCT : XXXX ACCT # : XXXX ACCT : XXXX  ACCT # : XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) 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.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 

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 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 XXXX
Product: Credit card or prepaid card

This home depot card I have had since 2009 and never missed a payment as reflected in my credit report.  I went online recently this summer to manage a return and somehow the site made me click a box to proceed which also , in my opinion misrepresented, that I was signing up for online statements. I do not want online statements. I use paper statements each month and I like to pay my bills when they are sent to me. I have a very good track record of doing just  that.Because of this , I never received my regular statement and now I show a 30 day late for home depot which is false. I should not have this. I never asked for my statements to be switched.  This to me is unfair and not a good practice.  I want the 30 day late removed
Product: Debt collection

An agent from Valor Intelligent Processing LLC called my husband at XXXX over the last week of XX/XX/XXXX and kept asking to speak with me, XXXX, about a 'personal matter ' that they would not disclose. My husband gave them my phone number eventually, because it seemed official, and they started calling me. On XX/XX/XXXX I took a call from a person from Valor Intelligent Processing LLC who read my entire social security number to me to verify my identity. He said I owed {$110.00} for a delinquent bill from XXXX XXXX from XX/XX/XXXX. I didn't trust what he was saying so I hung up the phone. They kept calling, and on XX/XX/XXXX I received a call from Valor Intelligent Processing, this time a female voice sounding very professional. I told her I thought it was a scam and she assured me that that was not the case, apologized for her colleague, and had me log-in to the Valor site to show that I had an account there. It ended up seeming legit. I paid {$95.00} over the phone and gave my address to receive confirmation of the bill paid. I then got paranoid after the call and called XXXX XXXX to confirm that they use Valor Intelligent Processing as a debt collection agency and they confirmed that they do not use them. I can see the {$95.00} to Valor Intelligent Processing on my bank account information, but this is a scam.
Product: Money transfer, virtual currency, or money service

I sent XXXX $ to my mother 's bank account in XXXX through MoneyGram, receipt number XXXX on XX/XX/2023 at XXXX EST. It started that money should be available in XXXX days. Normally it is available within a few minutes and I have been sending money through MoneyGram from a long time and never had such issue. Today it's XXXX day and the money is still not available in my mother 's bank account. I have talked to different agents at different times explaining and they keep telling me that it will be investigated and it may take upto 90 days. MoneyGram has already taken the funds from my bank account and I have asked them to cancel the transfer so I can send the money again through other source. They refuse to refund the money and keep telling me that the matter will be investigated and it may take 90 days. When I asked them to show me the document where it mentions that in case MoneyGram fails to transfer money in time, it will take 90 days to fix the problem or get a refund. Infact on the website it says I can ask for refund anytime as long as the funds have not been withdrawn by the receiver. I want moneygram to either make the funds available in my mother 's bank account at once or give me my money back so I can send it through other means. 
Thanks.
Product: Debt collection

Nelnet was put on notice and provided an Affidavit of Truth, Identity Theft Affidavit, Loan Discharge : Forgery Application, and a police report regarding the alleged debt of Federal Student Loans as of XX/XX/2023. I am granting Nelnet 5 days to DELETE the items identified as identity theft by XX/XX/2023 at XXXX XXXX  XXXX XXXX XXXX. I have provided Nelnet with enough time to gather evident or any other documents necessary prior so therefore I am only allowing 7 days as this has caused defamation to my character and my consumer file. Exhibit A will provide proof of received document via XXXX. As well as Exhibit B - XXXX with Nelnet confirmed on XX/XX/2023 at that they have received the documents uploaded into their system.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX didnt give those companies to pull my credit
Product: Student loan

I obtained about XXXX in student loan debt XX/XX/XXXX. When I graduated from college XX/XX/XXXX, I was n't able to pay back my loan at the minimum payment because of other debt. They would n't allow me to use an income-based payment plan because that only calculated my income and not any of my bills. Not being able to make the payment they always suggested that I do a forebearance which continued to accrue interest. When I finally had the opportunity to consolidate my loans, the lowest rate was 8.25 %. My debt is now XXXX and I pay 8.25 % interest on it. I 'm not allowed to re-consolidate at a lower rate so I 'm stuck with this high interest debt of XXXX. I 've been making monthly payments for a few years but I can only pay $ XXXX/month because of other income obligations. This does n't even cover my interest. I will be paying for this loan for the rest of my life with no opportunity to re-consolidate at a lower rate and the principal payoff increases every month. If I was able to use the income based repayment plan and have it factor in my bills vs my income, I probably could have made payments rather than forbearance. They made the forbearance option way too easy.
Product: Debt collection

I am replying to a credit card debt (#XXXX). I believe the account was already supposed to be closed. I did send a letter request to close it. According to their reply it was closed XX/XX/XXXX. Since then I have continued to receive billing statements  till now, XX/XX/XXXX.  I was charged late fees and interest charges on every statement. I had cancelled my card when I maxed it out at my $XXXX limit.According to their billing statement I now owe XXXX--a difference of over $XXXX. I do not want to pay the $XXXX balance .My limit was $XXXX and I understood that.I am attempting to get help with my debts. I need a written statement of my account that it is closed and my debt amount I am responsible for. Thank you
Product: Student loan

I started full sail in XXXX through XXXX, I had to take a medical leave to go to a rehab. I sent in a notice as per their policy to let them know I needed a medical leave from school so I can get the medical help I needed, I wrote a letter to them. They never informed me, but when I got out of the rehab I was in my status of loans was kicked in already because they withdrew me from my classes without even telling me, so that's how this all started. Then over the years I called them numerous times to explain my loans should have never been kicked in because I was on a medical leave and was supposed to be able to start my classes again after I got out of rehab and they refused to help me what so ever. Now the loans are with navient and XXXX the top 2 deceptive loan servicers, just the other day I called navient to try to reenter into a income driven repayment plan but the agent I spoke with steered me into a forbearance threatening that if I didn't do that late payments would be reported to my credit file which is all messed up already with being victim to XXXX, XXXX and XXXX XXXX breaches, I'm working with a credit restoration company to try to fix my credit file because me and my fiance are trying to get a home for our family. I'm not sure of the amounts but I know from looking at my credit report that the interest on my loans is the only thing being added to my loans, because every month the interest being capitalized on my loans goes up by the thousands and is hurting my scores in the process, now that after the last agent I spoke with who tricked me into a forbearance looking back on that call they never told me about any other options and never told me that I'd be having payments I cant afford or that they would be reporting negatively to the credit beauraus so what they did was unethical and irresponsible I just want what's fair.