23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Navy Federal Credit Union Debt Cancellation Department XXXX XXXX XXXX XXXXXXXX, VA XXXX Request for 1099-C Form for Charged-Off Account [ Account Number : XXXX ] ** Dear Sir/Madam, I am writing to formally request a copy of the 1099-C form associated with the cancellation of debt on my closed credit card account [ Account Number : XXXX ]. This account was charged off with a balance of {$12000.00} and written off as of XX/XX/XXXX, according to my credit report. 

The information is required for my tax reporting purposes, as the debt cancellation might have tax implications for the current year. Please send the 1099-C form to the address provided above. 

For your reference, my account details are as follows : - **Account Number** : XXXX - **Account Holder Name** : XXXX XXXX - **Balance Charged Off** : {$12000.00} - **Last Payment Date** : XX/XX/XXXX - **Date of Charge-Off** : XX/XX/XXXX If you need any additional information to process this request, feel free to contact me at ( XXXX ) XXXX or XXXX Thank you for your attention to this matter. I look forward to receiving the requested form. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

XX/XX/XXXX paid a payment that day, they picked it up XXXX. following day. Called them to see what they required to release the vehicle so then paid and additional XXXX XXXX dollars to have it released and they have keep my vehicle and payment? Wells Fargo XXXX
Product: Credit reporting or other personal consumer reports

I have recently obtained a copy of my credit report, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. SEE FOLLOWING : NEGATIVE ACCOUNT TO BE DELETED ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX ( ORGINAL CREDITOR : XXXX  XXXX ) XXXX XXXX ( ORGINAL CREDITOR : XXXX  XXXX ) XXXX XXXX XXXX ( ORGINAL CREDITOR : XXXX XXXX XXXX XXXX DATE OF INQUIRY 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 reporting or other personal consumer reports

I am contacting you as a victim of identity theft directly linked to the XXXX data breach, which compromised my personal information and has severely impacted my credit standing. My credit report now reflects multiple fraudulent accounts and unauthorized hard inquiries, leading to a significant decrease in my FICO credit scores. 
Enclosed with this letter is documentation from XXXX confirming that my information was compromised in the breach. I formally request the immediate removal of these fraudulent accounts and hard inquiries from my XXXX and XXXX credit reports. XXXX has already removed these items, and I expect similar action from XXXX and XXXX. To substantiate my claim, I am including an FTC Identity Theft Affidavit and other relevant identification documents. Under Section 605B of the FCRA, I am entitled to have all fraudulent information related to identity theft blocked from my credit reports. The fraudulent accounts include : As a result, I am formally requesting, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), that all fraudulent accounts and hard inquiries be immediately removed from my XXXX and XXXX credit reports. In addition, I am disputing the following fraudulent rental and real estate accounts also, which were created in my name without authorization : To substantiate my claim, I have included the following : An FTC Identity Theft Affidavit Copy of my government-issued ID Proof of address ( e.g., utility bill ) Fraudulent Accounts on My Credit Report XXXXXXXX XXXX XXXX Account Bank XXXX XXXX XXXX Opened : XX/XX/XXXX Account No. : XXXX CXXXX XXXX XXXX  : XXXX XXXXXXXX Opened : XX/XX/XXXX Account No. : XXXX Personal Credit Account Bank : XXXX XXXX Opened : XX/XX/XXXX Account No : XXXX Personal Credit Account Bank : XXXX XXXX Opened : XX/XX/XXXX Account No : XXXX Inquiry to be removed Bank Name : THD/CBNA Inquiry Date : XX/XX/XXXX These fraudulent accounts and related inquiries have resulted in unauthorized collection actions, which violate my rights under the FCRA and FDCPA.
Product: Mortgage

Due to the COVID pandemic, I suffered financial loss in being laid off. I applied for forbearance of my mortgage load. From XX/XX/XXXX Through XX/XX/XXXX. In late XXXX I called the loan servicing company United Wholesale Mortgage to talk about next steps. Specifically, I was curious about the qualifying factors for deferring the balance to the back of the loan. I was placed on hold for an hour and did not get a response. 

I called back the following day, and was told that my account and the balance had been placed in deferment ; which I did not request. I was told then, that it was a mistake and was taken off deferment and I chose to continue forbearance for an additional 3 months ( XXXX ). 

In XXXX  XXXXI got a letter saying my payment was due and the balance from the original forbearance was deferred. Confused because of the conversation I had I called and asked to clarify and to speak with a manager. I was told a manager would call me back. No one ever did. I called again about a week later and again no one called me back. 

In XXXX  XXXX/XXXX  XXXX I got a call back from management. I spoke to XXXX, employee ID XXXX. She assured me that she would fix the deferment issue and cancel that request that was never made. She would send me a letter explaining that it was fixed and would make sure that XXXX would also be in forbearance. 

Additionally, throughout all this time, they have reported me to the credit bureau twice when part of the CARES law says that homeowners in these situations would not be reported to the credit bureaus. 

Furthermore, I got a call from XXXX employee ID XXXX on XX/XX/XXXX, reminding me that my forbearance would end on XX/XX/XXXX. I asked if I already had a balance in deferment and she explained I did. I never got the letter XXXX promised and the issue was never fixed. XXXX said she would escalate the issue and get me a call back. No one called. 

Finally, I called on XX/XX/XXXX to confirm that my option to defer the balance and begin paying on XX/XX/XXXX.I spoke with XXXX and Now I am being told that deferment is not an option because I already deferred a previous balance. This is ridiculous! Im being given the run around and no one is helping. 

I have asked them several times to speak to management and I am only told that they will call me back and they havent. The only time someone supposedly did with XXXX the manager did not do anything that they said theyd do. Supposedly all calls are recorded but only management can listen to these calls. 

All I am asking for ; is for all balances from XX/XX/XXXX-XX/XX/XXXX be deferred to the end of the loan. Thats all I need. My hardship is over, and I am ready to start paying. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$220.00}, XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$600.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$130.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$110.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$820.00}, XXXX XXXXXXXX Balance : {$31.00}, XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX Balance : {$240.00}, Inaccurate Personal Information : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX
Product: Credit reporting or other personal consumer reports

I looked at my Equifax credit report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts listed below are not complete and accurate. I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number ( XXXX ) They sent me the investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to this they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving request from the consumer for that description But they did not do that as well, either. According to 15 USC 1681s-2, they are supposed not to furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Accounts listed below : XXXX XXXX Account XXXX XXXX  XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Original Creditor : XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXXXX/XX/2023
Product: Credit card or prepaid card

On approximately, XX/XX/2019, I applied for a credit card with Walmart thru Synchrony bank. The ONLY reason I applied was for {$25.00} account credit with the initial purchase with the card. The {$25.00} credit would be issued only if a purchase was made on the same day the application was approved. 
My application was promptly approved and I was issued a temporary card number which was guaranteed could be used for online purchases. I attempted several times to make an online purchase on XX/XX/2019 ( as I remember the date of application to be ) using the temporary card number. Each attempt to purchase online the same day of the application approval ( as required by the application agreement ) using the bank issued temporary card number was declined. 
I was forced to wait arrival of the physical card before making my needed purchase on XX/XX/2019. 
Upon receiving my first statement for the Synchrony MasterCard, I noticed there was no {$25.00} credit, as promised by the promotional offer. 
I immediately contacted Synchrony bank on XX/XX/2019. The bank denied any responsibility for the {$25.00} credit. They said I had not met the terms of the promotion, i.e. making a purchase the day the application was I approved. 
I explained to Synchrony bank the temporary card number was denied several times when I attempted an online purchase the day of credit approval. 
I had attempted to meet the promotional criteria by making a purchase on the day of credit approval, but Synchrony bank had failed to meet it's obligation by not accepting the temporary card number to make the purchase. 
At this point, the bank rep said a request for the {$25.00} credit would be submitted to higher up, with no guarantee of approval. 
ON XXXX-19, Synchrony bank sent an email saying the {$25.00} account credit would NOT be forthcoming because I HAD NOT MET THE PROMOTIONAL CRITERIA. 
I believe this " promotion '' was just a scam to promote business. Synchrony bank failed in it's promotional obligation by denying my attempts to meet my promotional obligation ... .i.e. promising the temporary card number could be used to make online purchases and then rejecting attempts to purchase.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 I send money using sendwave with the amount of {$120.00} due to my brother needs to pay his hospital bills but when my brother trying to get the money they told him that the tracking number I gave him is not working that He have to tell me to follow up so then I called the company and I told them why the money is not available its very important its emergency and they said they having problem with their bank partner in the XXXX so then I told them can you please try to send it again or if not I just need a refund just cancel it and they said they will be happy to assist me and wil do refund and I will recieved an email once its process but I never recieved aXXXX email I even send them a message on their apps but no response I have been patiently waiting but then after a couple I dont hear from them I called again and they said Since the teansaction is error XXXX their part the transaction was cancelled and no charge in my account but in my bank accout I have charge {$120.00} I even chat to my bank and they said the {$120.00} has taken hy sendwave and I told them to just refund me to the last for digit of my card the last time i send to my other brother the one that I used when I send the {$120.00} has been cancelled due to the atm took my card and never came out at the atm.They send me a form to manually cancel and refund me the money I filled out and send them back the form then after a day I received notificayion to their apps saying my transaction has been send to the recipient safe and sound. So I got the tmtracking number but when my brother go to the remittance place they told him tracking number is no good so my brother said maybe I will go to XXXX I said ok just try since thats their partner bit unfortunately they said its not a good tracking number so I called again XX/XX/XXXX or XXXX they said they will do it again that they will let me know if its cancelled already and since they did manual cancellation it takes time so I patiently waiting I think around XX/XX/XXXX I called again and they said it is mever cancel and he will help me di the cancellation but they one that I talked to before he even talked to his supervisor bit they lied to me its never been cancelled so they send me a form again to be filled out to get my money bit until now I havent heard from them its benn a month already but they never refund me my money please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that Transunion is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumers. I the consumer never gave Transunion any written consent to report anything on my consumer report. No consent is identity theft. I have enclosed a Identity Theft report which states that account ending in XXXX are being illegally furnish on my consumer report. I demand that you remove these inaccuracies off my consumer report. If they are not removed I will not extend my credit to anyone or allow Transunion to furnish a report for me. I would like to state that pursuant to 15 usc 1681 ( a ) ( 2 ) that the banking system is dependent upon fair and accurate consumer reports. By Transunion allowing these inaccuracies to be furnish on my consumer report it has cause me to lose confidence in the banking system. If Transunion wants to continue doing business with me, they should delete these inaccurate account off my consumer report.
Product: Vehicle loan or lease

On XX/XX/XXXX, I paid XXXX dollars to truist bank auto loan account number XXXX, and I paid XXXX dollars more because Tfs recovery ( Truist XXXX company ) employee asked. after that, Truist updated from XXXX to XXXX dollars. 

But illegally Truist changed from XXXX to XXXX. Digital forensic way can be applied to their wrongdoing. 

Warranty extension I did not want and I did not get any service, so, XXXX dollars monthly bill should be decrease to XXXX dollars. So Truist bank owes me around XXXX dollars. XXXX XXXX more than XXXX miles XXXX is not same value price with XXXX XXXX or XXXX XXXX. Paying XXXX dollars is overcharging and abuse. 
Consumer financial protection bureau and FTC should stop their wrongdoing for many clients in the USA. 


www.worldIntelligencesummit.com
Product: Money transfer, virtual currency, or money service

As a result of CFPB work with CITI bank I got a response to my COMPLAINT ( ID XXXX ) that my issue is resolved and money will be returned to my account. I am attaching a copy of CITI bank letter. The date of the decision was XX/XX/year>. I tried to reach CITI Executive Response Team to find out when my money comes back. They responded that they need two weeks to find what's going on. Finally, they did not respond to me. On XX/XX/year> I got a letter from Fraud Prevention Department with the denial of my claim. In this letter they state that the wire transfer was done from my devices and it was authorized. I did not log in from my devices to make any transactions on XX/XX/year>. CITI never discussed this transaction with me and did not do any effort to block suspicions transaction and verify my identity. I did not contact them neither via phone nor via e-mail. The person who stole my money is NOT in my contacts list. So, their investigation is totally insufficient. My business is a victim of severe financial fraud related to stolen pass word and user name. This fraud became possible due to poor protection of my CITI business account. I want to understand why CITI lied to me and to CFPB sending the official letter that they will return money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know of this company, states that the account is open when it should be closed and has been reporting a balance for an account I dont have with said collection agency.
Product: Checking or savings account

I didn't receive {$100.00} for a new account. I have asked the customer service of Chase. They said the banker named XXXX who helped me open my new bank account, didn't apply the coupon. However, XXXX said he had applied the coupon ( Proof in email screenshot Picture No. 1 ). 

The customer service of Chase told me that I could fix this by visiting the branch in person. However, another banker in the branch said XXXX was the only one who could help me fix the problem. I got in touch with XXXX again, but he said he felt sorry about the mistake but couldn't figure out how to fix it ( Proof in email screenshot Picture No. 2 ). 

Therefore, I contacted XXXX 's manager XXXX to ask for help or compensation. The manager XXXX said she would reply to me that week, but she didn't reply me. I emailed her again about how long I could get compensation. She avoided telling me when to give me an answer in a reply email. When I asked for a fix time, she stopped replying. ( Proof in email screenshot Picture No. 3 ). 


This experience is frustrating because no one could fix this problem. I have been following up on this matter for two months, but to no outcome. 

It's not my fault. I want compensation because of their mistake.
Product: Student loan

I tried to log into my EdFinancial account in order to submit a payment, but unfortunately put the wrong password in 3 times, so my account was disabled. The only information given when my account was disabled was that I should try to get into contact with the company, yet everytime I try to go to the contact page, it doesn't load.
Product: Prepaid card

Us bank is withholding my housing utility assistance payments and not trying to reverse my dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$0.00XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$1300.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Vehicle loan or lease

In XX/XX/XXXX, I purchased a car from XXXXXXXX XXXX. During this transaction : - I was instructed to falsely claim a {$4500.00} down payment that I never made - The dealership wrote down exactly what to say to the lender - They claimed {$4000.00} was from an EV tax credit that could be applied immediately - The additional {$500.00} was claimed to be a 'discount ' - The car 's price was inflated to approximately {$20000.00} while my loan is for {$17000.00} - The car had damage they promised to repair under previous owner 's insurance - They have avoided my communications about repairs When reporting this to Prestige Financial Services today ( XX/XX/XXXX XXXXXXXX XXXX  ), the representative : - Stated dealers sometimes 'finagle ' like this as a way of offering discounts- Refused to document our conversation or copy me on communications - Promised manager contact by tomorrow but provided no confirmation - The loan has not yet had any payments made - First payment is due XX/XX/XXXXXXXX XXXX XXXX