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

I am writing to formally request the immediate deletion of the account referenced below from my credit report due to violations of the Fair Credit Reporting Act ( FCRA ) : Account Name : XXXX  Account Number : XXXX The basis for this request is that the information you have furnished to the credit reporting agencies is inaccurate and/or unverifiable, and as such, it should not be included in my credit report in accordance with the FCRA. Specifically, the following violations have occurred : 1. **Failure to Provide Accurate Information ( 15 U.S.C . 1681s-2 ( a ) ) ** : The information you reported is inaccurate and has not been corrected despite my previous disputes.

2. **Failure to Reinvestigate Disputed Information ( 15 U.S.C . 1681s-2 ( b ) ) ** : You did not properly reinvestigate the disputed information as required by the FCRA.

I am formally notify you of several serious issues regarding my account, specifically your failure to provide the required Form 1099-C, as well as violations of both tax regulations and the Fair Credit Reporting Act ( FCRA ).

**Failure to Provide Form 1099-C** Under 26 U.S. Code 6050P, you are required to file a Form 1099-C with the Internal Revenue Service ( IRS ) and provide a copy to me when you cancel a debt of {$600.00} or more. Despite the cancellation of my debt, I have not received this form from your company. This failure to comply with IRS regulations constitutes a serious violation and can be considered tax fraud.

**Violation of Tax Regulations** Your failure to issue a Form 1099-C as mandated by 26 U.S. Code 6050P is a violation of federal tax law. This omission prevents me from properly reporting my income to the IRS, which may expose me to potential penalties and interest for underreporting income. Additionally, it constitutes tax fraud under 26 U.S. Code 7206, which addresses fraud and false statements.

**Violation of the Fair Credit Reporting Act ( FCRA ) ** Furthermore, your actions are in violation of the Fair Credit Reporting Act, codified at 15 U.S. Code 1681s- 2. This section requires furnishers of information to provide accurate information to credit reporting agencies and to correct any inaccuracies. Your failure to provide accurate information, including the status of my debt, has caused inaccuracies on my credit report, which negatively affects my creditworthiness.
Product: Money transfer, virtual currency, or money service

I sold some computer networking equipment on XXXX in XX/XX/2017 to a buyer. this buyer kept my equipment for a few weeks and then decided to try to get a refund. I have a strict policy on eBay for computer networking equipment of no returns, for the reason that people can buy the equipment and use it for temp purposes and then return it. The buyer opened a case with XXXX and XXXX closed his case finding that I followed proper procedure and did not need to issue a refund. The buyer kept my equipment and filed a credit card dispute with his bank and did not return the equipment to me or even attempt to. PayPal who handles transaction for XXXX immediately charged me and put my account in negative before anything was decided in this dispute from the credit card company. PayPal continues to charge me late fees and weekly emails about sending me to collections unless I pay this debt. PayPal has done nothing to protect the consumer and especially the seller in this case. I have called PayPal multiple times about the weekly emails and the case is still open but I am being held responsible for this negative balance. The policy is backwards and left the consumer and seller with a mess on their hands. As the seller I don't have the equipment that was shipped, used and still being used from the buyer and left to cover the shipping cost and the cost of the equipment. PayPal is the worst customer service organization I have ever dealt with and the protection of consumer rights is being violated.
Product: Student loan

I called on XX/XX/XXXX to get a refund for my student loans. Called on XX/XX/XXXX and they still have no updates. Haven't even process the loan. Stating it'll take over 120 days to process it
Product: Credit reporting, credit repair services, or other personal consumer reports

I was behind on my loan with XXXX XXXX. I wasn't able to make a payment from XXXX XXXX. The amount they reported on my credit report as being behind was {$460.00}. On XX/XX/2022 I logged on the XXXX  and saw that the complete remaining balance was {$690.00} plus the new online payment fee of {$2.00}, so I paid the whole amount. I waited four days and logged back on to make sure the balance was {$0.00} ony to see the account said I owed another {$60.00}. I called and was told the remaining {$60.00} was late fees so I logged back on and paid a total of {$62.00}. I waited a few days and called XXXX again to make sure the account was paid and clear. I was advised it was and that I " might '' get a letter stating so but if I have the payment receipts I'm fine. I explained that I was needing my credit report updated that's why I asked for the letter. The lady repeated the same information. I did a dispute with TransUnion for this loan and it did not get updated or cleared. They have not updated the information on this loan since the end of XX/XX/2022. When I was keeping my loan and just refinancig they were updatig quickly and regularly but now that it's paid off they aren't doing anything and it is hurting my credit.
Product: Credit reporting or other personal consumer reports

I AM REQUESTING THE IMMEDIATE UNFREEZING OF MY CREDIT FILE AND REMOVING OF FRAUD ALERTS. SEE ATTACHED DOCUMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive found a few inaccuracies in the following accounts and these need to be removed. Please send me a new credit report reflecting the changes. 
XXXX XXXX # XXXX Delete this account for inaccuracy because the payment history shows on XX/XX/XXXX : TransUnion 30 days, XXXX on time, XXXX 30 days. Also XX/XX/XXXX : TransUnion on time, XXXX on time, XXXX 30 days. Last day reported, and last day active is inconsistent on the 3 bureaus. 
XXXX XXXX # XXXX Delete this account for inaccuracy because the payment history shows on XX/XX/XXXX : TransUnion 60 days, XXXX on time, XXXX 60 days. Also XX/XX/XXXX ; TransUnion on time, XXXX on time, XXXX 30 days. 
Date Last Active : TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit inquiries from XXXX XXXX on XX/XX/2021 and XX/XX/2021 were supposed to be soft inquiries. I did not apply for a mortgage, Nor do I have a mortgage on my credit report. 

The credit inquiry from XXXX XXXX XXXX XXXX to be a soft inquiry. I do not have a credit account with XXXX nor XXXX on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Money transfer, virtual currency, or money service

My Coinbase.com account was locked after i sold my Bitcoin at a high point on XX/XX/2020. I kept the money in the XXXX XXXX  so i could rebuy when the prices went down but the next morning XX/XX/2020 my account was locked for no reason at all. I submitted a case immediately and Ive not received any responses. Ive tried to reach out through XXXX  on their support account to no prevail. I have thousands of dollars sitting in my account that I have zero access to. Ive had two factor authentication activated since the creation of my account as well. My case number is # XXXX
Product: Debt collection

XXXX XXXX allowed someone to open accounts in my name when i was in high school and I had no knowledge until i checked my credit because i want to make a auto purchase. And now my account is in collection and I need it remove as soon as possible because im not responsible for such a bill.Why do a XXXX XXXX XXXX XXXX XXXX XXXX  need a card to XXXX and XXXX XXXX when i live with my parents. Send me documents that show i opened the account not a copy of a bill because that isn't proof. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America # XXXX is reporting inaccurately on my credit report. This was included in my bankruptcy and should not be on there as an active collection. Not to mention the last activity on said account was back in 2012 putting it past the statute.
Product: Credit card

Usbank got my money to open a secured card, they have big issues verifying people and then even if I walk into the bank they are still not able to verify me through a banker even though I brought my social security card, my identification and drivers liscense, and a pay check stub. They are liars and won't be honest about things And give you clear detailed explanations as to why things happen and how to fix them, they have bad customer service as well. I went through XXXX and back and did everything they asked me to do I can get. Secured card cash credit card from usbank. They took my money twice {$300.00} and then {$500.00} within XXXX applications and they got both applications mixed up and blamed it on me. They said they weren't able to verify me even while I was in the bank and the banker called the usbank credit card issuer in front of me. All the departments so are tell you to call this number, the other number, then mail things here and there when they should be able to accept other forms of communication that are faster. They still owe me money from approving me twice then denying me and I still don't know why. I haven't gotten my {$500.00} back from them. I still want my card. It's a secured card I don't know why I'm denied and if they could just tell me why and how to fix it to attain the card I could do it but they don't. This is worse then I'm describing it here. They are unprofessional, I don't know who they hired in the credit card issue and verification departments but they all are very inexperienced, rude, and not informative. Please help me get my card reconsidered and get the right card.
Product: Money transfer, virtual currency, or money service

On XXXX I scheduled a payment for half of my open balance for XXXX and the remaining portion of the balance for XX/XX/XXXX which would bring my balance to {$0.00}. On XXXX I also reached out to have the account closed. The live chat agent confirmed that the balance was scheduled to be paid in full and confirmed that the account was closed. 

On XX/XX/XXXX i received an email saying my payment scheduled for XXXX was returned. It was not withdrawn from my bank account. I reached out to customer service and they gave me many conflicting answers before disconnecting the chat. I reconnected with another agent who refused to acknowledge what I was saying and typed gibberish. His responses were not coherent. He said things like " may i now know {$1500.00} '' which made no sense. I requested to be transferred to a different agent. Once transferred, i began receiving notices that the agent was ending the chat every 15 seconds, making it nearly impossible to communicate. The agent then gave me conflicting information, telling me the payment was on hold for 6 days and then would clear, then saying it could either clear or be rejected in 24 hours, then saying it is on hold for 6 days again and the email I received was incorrect. I feel this is retaliation for me requesting my account to be closed. I have expressed that all I want to do is pay my full balance and close my account but they are refusing to accept payment. They would not provide me with chat transcripts and did not allow screenshots.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting and sending documentation to the XXXX credit bureaus for over a year now about my credit report and how things are not correct on all XXXX bureaus. They keep giving me the runaround and not fixing the problem which they are supposed to do by law. I am in distress and I am suffering physically because my life is getting worse. I need you to step in and enforce the law. Help me please!!!
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Product: Debt collection

I am writing to dispute the validity of the debt collection attempts made by your agency.I am unaware of this debt and have not had an opportunity to dispute it due to lack of proper notification.It is my right, under the Fair Debt Collection Practices Act ( FDCPA ), to be properly notified of any debt before collection activities begin.If you believe that I received proper notification, I kindly ask that you provide the certified mail with a receipt containing my signature confirming receipt of the notification letter. Without such evidence, I dispute the claim that proper notification was provided. 

This account is only showing on this transition credit bureau which is illegal. Its also illegal to reinsert a past deletion. 
Account name : Bank of America Charge Off
Product: Checking or savings account

In XX/XX/XXXX, I went to a bank to open a checking account and was told I was placed on a bank checklist by the Bank of America ( BOA ) XXXX, MD branch and was not allowed to open an account. I visited the XXXX branch on the same day and spoke with the XXXX XXXX who gave me the number to BOA headquarters to discuss monthly fees charged to my account which had been inactive prior to XXXX. I spoke to a representative at BOA  headquarters who stated that I owed {$2000.00} in mostly bank fees but she could settle for {$1000.00}, which I did not have at the time. On XX/XX/XXXX, I returned to the BOA  XXXX, MD branch to pay the {$1000.00} settlement. The bank had a record of my call to headquarters but no record of the negotiated amount. I called BOA  headquarters again from the XXXX XXXX and a bank representative named XXXX told me and the XXXX XXXX XXXX  that the full amount of {$2000.00} was due because the bank does not settle. It is BOA 's policy that any account that is in the negative and inactive for 120 days or more shall be closed. Again, the account had been inactive prior to XXXX yet monthly fees of {$29.00} were charged through XX/XX/XXXX. The beginning account balance on XX/XX/XXXX was - {$890.00}. The beginning balance on XX/XX/XXXX was - {$2000.00}. By the end of XX/XX/XXXX, after an additional fee of {$29.00} was charged, the balance was - {$2100.00} and BOA  closed the account. After attempting to settle this matter by paying {$1000.00}, BOA  refused to accept that amount and I remain on the bank checklist, unable to open an account. As a consumer and business owner, this unfair and predatory banking practice by Bank of America has caused me XXXX XXXX.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am reaching out to file a formal complaint against Venmo and Synchrony Bank concerning a series of unauthorized transactions on my Venmo account ending in XXXX, which total {$1900.00} as of XX/XX/year>. 

Despite my persistent efforts and eleven separate attempts to have these fraudulent charges addressed, I have yet to see an adequate resolution from either institution. The persistence of these unauthorized charges is deeply concerning and undermines my confidence in Venmo Credit Cards and Synchrony Bank 's ability to handle this severe issue responsibly. 

The immediate correction of these errors is vital to the integrity of my financial records and my trust in the banking system. Each of my contacts with Synchrony Bank 's and Venmo 's customer service, fraud department, and fraud investigations team has failed to yield any progress, leaving me no choice but to seek external intervention. 

The lack of action on their part has not only been disheartening but has also negatively impacted my credit historya direct result of their failure in customer service and neglect of duty to their customers. As stated under California Penal Code 484e ( d ), unauthorized use of credit information is a severe breach of trust and considered a criminal offense. The ongoing inaction by both Venmo and Synchrony Bank to address and correct these charges is suggestive of a violation of this statute, demanding prompt and effective corrective action.

Therefore, I respectfully implore the Consumer Financial Protection Bureau to step in and ensure that both Synchrony Bank and Venmo address this matter with the severity and urgency it warrants. It is crucial that : 1. A full reversal of all unauthorized charges totaling {$1900.00} on my account is enacted immediately. 

2. A comprehensive correction of my credit report is undertaken to expunge all negative impacts resulting from this incident. 

3. I receive both written confirmation and oral communication via phone from Synchrony Bank and Venmo Credit Card Services, confirming the removal of these charges. 

4. A detailed explanation of preventive measures to be implemented is provided to protect against future fraudulent activities. 

Should this matter remain unresolved, I am fully prepared to pursue further legal action. I expect a swift and affirmative response from Synchrony Bank and Venmo Credit Card Services, and I trust that the Consumer Financial Protection Bureau will ensure that my financial wellbeing is not taken lightly. 

Thank you. 

Sincerely, XXXX XXXX
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 22 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 | seek appropriate redress for these violations
Product: Student loan

My private loan was serviced through Navient Loans. My payments were taken through automatic debit. On XX/XX/XXXX, I received a letter, which stated that I owed {$66000.00} -- this was fine and what I expected. I continued making payments that month. However, on XX/XX/XXXXafter a payment had been made, I was informed ( erroneously ) that I owed {$71000.00}.

When I inquired why my loan amount had been increased by {$4300.00}, I was told in a letter that Navient was told by my school that I was not an actual student during my noted years in school. When I corrected this by providing documentation that I was a student, I did not and continue to not receive any restitution from Navient. There are multiple issues in this case where Navient has acted fraudulently : 1. I never received any documentation from Navient regarding this increase in my unpaid principle. If I had not been monitoring my monthly payments, I would have never known about this increase.

2. Navient has retroactively increased my principle on their website. i.e. all numbers from the XX/XX/XXXX and before reflect this increased principle amount of approx {$4300.00}. If I did not have these pdf letters given as monthly statements, their website actually makes it appear that I have always owed an extra {$4300.00}.

3. Their claim that the amount was increased because my school claimed that I was not a student during this time and had " withdrew '' has already been debunked through documentation. This claim is fraudulent, the school denies it, so the claim was designed to fraudulently increase the loan amount. In addition, after being caught in their lie, even through numerous inquiries ( approx 2 months worth of waiting for their " internal review '' ), Navient has refused to address the simple solution ( pay me back this amount that they defrauded from me ) and instead has let this fester in their own internal process.
Product: Checking or savings account

Dates are to many to document as my account was frozen more times than I can recall with no valid reason why. They do not release checks deposited in a timely manner, and in fact refuse to cash checks from XXXXXXXX XXXX ( business account of employer ). Failure to send replacement debit cards in a timely manner. 

This has been an ongoing issue for the past year or so and I can not seem to get any help from the banks customer service team. In addition, there is a lack of consistency in answers. I become so frustrated I gave up trying but this has caused some major issues with paying bills in a timely manner. 

I am in the process if searching for a new bank