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

I am writing to address the lack of response to my previous notice, dated XX/XX/year>, regarding the request for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX XXXXXXXX failure to provide a response leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX XXXXXXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken.

Furthermore, it is imperative that you notify XXXX, TransUnion, and XXXX to delete this information from my credit report immediately. The account in question is detailed as follows : 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 As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS.

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations.

Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. 

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the XXXX XXXX XXXX XXXXXXXX, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer.

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications.

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Credit reporting or other personal consumer reports

I submitted an online dispute with Experian on XX/XX/2023 Concerning XXXX XXXX XXXX XX/XX/2023 i received an email stating that the account was CERTIFIED AND NO CHANGE WAS MADE TO MY ACCOUNT. After refreshing my consumer eport this account is still showing inaccuracies and incomplete erroneous information. have also submitted a previous complaint concerning US DEPT ED and I have yet to receive how Experian verified either account. I clearly asked for both. These accounts still have several incomplete, inaccurate and erroneous information. Experian has continuously violated my rights as a consumer as to the Fair Credit Reporting Act that states that Accuracy and fairness is my right. The Fair Credit Reporting Agency also states that there is a NEED to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy and those things have not been done in my case. The following accounts continue to show up on my consumer report month after month : with incomplete, inaccurate and erroneous information : XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are incomplete erroneous and inaccurate. I did not give permissible permission for these items to be reported by the consumer reporting agency to the consumer report. Please help me get these accounts removed permanently from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage and was told by the bank that my loan was denied due to high debt to income value and the derogatory remarks of delinquency on my XXXX credit report. I wrote to XXXX  one year ago to remove this remarks from my credit report because all outstanding loans that were outstanding at the time was paid and settled. I am debt free for 2 years now. I have paid back and settled all outstanding loans, mortgages and debts. My current credit card use is to establish responsible use of credit to rebuild my credit history which was destroyed because of divorce. All credit cards have had no outstanding balances except the current balance for the month. All credit cards are paid on the due date and non have been paid late, yet XXXX continues to report that there are derogatory remarks of delinquency on my account. This is affecting my ability to get financing for a mortgage for a home that I can finally afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are stating that I was late when in fact I wasn't..Please delete this negative information reporting on XXXX/XXXX XXXX, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a sum of {$6600.00} to my paypal account back in 2020. I was able to make use of some of my money before paypal locked my account with my {$3400.00} still on there. Initially i was told to wait 180 days which i did. But after 180 days each paypal agent i spoke to kept on lying telling me to call back sometimes they tell me to call back after months, weeks, sometimes days. Its gone on and on since 2020. Until today a paypal rep said a little bit of truth telling me i will never be able to withdraw my money for no reason at all and there is nothing i can do about it. 


Right now i am determined to get my money back from paypal to help me struggling family by whatever means necessary as i believe i have been patient enough!!!
Product: Bank account or service

I have been a customer of Bank of America for twenty years. I have always paid my bills with them on time or before due date and in most cases more than the minimum due. 6 1/2 years ago my wife had to file for bankruptcy due to loss of job and excessive medical bills. She was a co-signer on our 2nd mortgage and LOC. I assumed total responsibility for the debt and have been paying without incident, always on time and more than what was due, online using my BOA checking account. 
The other day I signed on my BOA account to review my accounts to make payments and found that I could no longer access both 2nd mortgage and LOC. I received a message that I could no longer access those accounts of make payments because of a bankruptcy or discharge of such. I contacted BOA thinking that this was done in error and informed them that I never filed for bankruptcy and for 6 1/2 years I have paid on these accounts using my BOA checking online access without incident, never late. 
I was told that I could no longer do so and that I now would have to phone in my payment, use a paper statement or go to the local branch to make my payments. As a XXXX vet going to a local branch would be problematic and calling BOA on anything has been shown to be anything but easy. 
I have done nothing to warrant BOA actions. I have a flawless credit history with credit scores in the lower XXXX range and my history with BOA has been the same. BOA did n't loose a thing on my wife 's bankruptcy and for them to take such an action after 6 1/2 years of flawless payment history by me is just wrong. 
When I spoke to their bankruptcy department they said that their actions were done to protect me. How is blocking my access to my accounts to keep my flawless payment history from continuing, protecting me? I emailed the CEO requesting his assistance in this matter and of the date of this complaint I have not received any response. 
So again, I never filed bankruptcy, I have never been late and as a customer I would be the type of customer that most banks would like to have. I also have a BOA credit card and they just raised my limit to {$23000.00}. because of my credit history with them. Does any of this make any sense? BOA is without a doubt the worst bank I have ever dealt with.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC 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 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 reporting or other personal consumer reports

I looked at my credit report XX/XX/2024 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 procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. In according to the fair credit report act everything must be 100 % accurate on my credit report. 

The Credit Bureaus states my account was properly investigation but how is that possible if open dates are inaccurate, the date last active is inaccurate, and the dates last reported is inaccurate these grounds for removal they also violated my rights. 

15 U.S.C 1681 section 604 A I have the right to privacy.

15 U.S.C 1681 section 604 A sections 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 


I sent a letter out on XX/XX/2024, XX/XX/2024 XX/XX/2024 to Experian, XXXX, and XXXX. I have copies of all Letters. However, its been more than 30 days and the credit bureaus failed to send me my investigation back. This does not make any sense. According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and consumer notifies the AGENCY directly or indirectly through a reseller, of such status the dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or deleted the item from the file in accordance with paragraph ( 5 ), before the end of the 30-days period beginning on the date on which the agency receives the notification of the dispute from the consumers or resellers
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024 I purchased a stove online from fridgidare.com. the price of the stove was XXXX, after taxes XXXX. I entered into a lease to own with 90 day same as cash with a {$50.00} mark up. However I noticed that Acima leasing has made it seem as if the stove was XXXX and then started to charge an additional tax based on that price. All together not onky was a {$50.00} mark up charge applied but an addition {$25.00} 90 day buyout fee on top of an additional XXXX percent in taxes. I've called repeatedly and was asked to forward a copy of the invoice that shows the taxes were already paid and I did. My end results was acima telling me that they will Not refund the money. I was told that I should ha XXXX went into a store for the purchase then the XXXX taxes would not have been applied. I then researched my other XXXX leases and found d that to be the same thing on those as well.
Product: Credit reporting or other personal consumer reports

I am putting credit reporting agencies on notice that I have opted out with these financial institutions to stop sharing my non public personal information and these are my CFPB complaints CFPB - XXXX - XXXXXXXX XXXX XXXX XXXX CFPB - XXXX - XXXX XXXX XXXX XXXX CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB - XXXX - XXXX XXXX CFPB - XXXX - XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2020 I issued a XXXX payment from my account to XXXX XXXX for the amount of XXXX, who banks with XXXX  XXXX XXXX. 

On XX/XX/2020, XXXX erroneously authorized another payment for XXXX to XXXX XXXX for a home inspection he can only perform once. 

I submitted a claim with Chase Bank to return the funds, which they denied. XXXX, not wanting to have the money taken a second time refused to return the money directly, and then filed a claim through XXXX  XXXX XXXX. Claim number XXXX. 

XXXX XXXXXXXX XXXX has stated numerous times the funds have been returned but Chase has not received them. I have been without money that rightfully belongs to me since XX/XX/2020. Both XXXX  XXXX XXXX and Chase are refusing to do the work to return the money and have essentially presented us with a " too bad so sad '' answer. 

There is no disagreement that the money never belonged to the person it was transferred to, but somehow we are still without our XXXX nearly two months later in the middle of a global pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$710.00} {$710.00} {$710.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$28000.00} {$28000.00} {$28000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$34000.00} {$34000.00} {$34000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$280.00} {$280.00} {$280.00} Payment Status : Late 30 Days Late 30 Days Late 30 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Auto Fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account does not belong to me. I have reached out to XXXX, XXXX, and Experian several time via mail in reference to this matter. 

XXXX  XXXX XXXX  acct # XXXX amount- {$420.00} XXXX  XXXX Acct # XXXX amount- {$770.00} XXXX XXXX  XXXX Acct # XXXX amount- {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Financial Services failure to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 



XXXX, IL XX/XX/XXXX ; 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 XXXXXXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I lost my phone and card inside a XXXXXXXX XXXX! My card was used online & in multiple different other places. I contacted the banking company when after I was able to locate my personal things. Some of my cards were missing as well as my medical cards. They sent me out a new card and disputed the transactions but immediately denied my disputes although some of the transactions were not made by me. The disputing process takes up to 90 days the took one day to review closed the investigation. They did not try to refund my money. I let them know the dates I used my card and the dates I did not use my card which were the days the unauthorized transactions were made. My card was closed for fraudulent activity yet I couldnt receive a refund for the fraudulent activity.
Product: Credit card or prepaid card

Someone called into Chase and changed the address and phone number on my Credit Card Account. I need to find out how this happened and make sure it does not happen again. I called and they told me someone called in. I was put on hold for over 50 mins and a rep never came back on the line. I called back in and a rep told me that It was changed online. I have two stage authentification on the account. There is no way that anyone could have done it online. Either the representative gave access to my account because they don't know what they are doing or they are part of the theft. I need to know if a chase employee is trying to steal my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our old mortgage was sold to XXXX XXXX. My husband had lost his job after 11 years and I became XXXX and had to retire early from my job. We were convinced that we should do a short sale and our realtor spent tons of time speaking with XXXX XXXX at XXXX to settle our account. We finally did sell and two years later we find out they reported that our short sale is a foreclosure. This has devastated our credit and they said they will report is as foreclosure proceedings started ending in short sale, but when our credit is pulled all anyone see 's is " foreclosure ''. Please make them report this accurately, I believe it is on Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX or XXXX, XXXX I enrolled into a only interest program with Sallie Mae. I was calling to see if there was any other options since it's been a tough time for me when it comes to money. They basically forced me into this program because there was no other option. I pay XXXX dollars for 6 months. I was told there would be no negative effect on my credit score and the delinquent would not show up if I entered this program. I spoke to 3 different representatives and they all assured me it will not go on my credit score. Today I found out my credit score updated and im reported as a delinquent after they told me when I enroll into this program I won't be. I made my payments they requested which was XXXX dollars and my account will be in good standing with credit score. Not the case. It's on my credit report. I have proof I paid what they asked. I have my sallie mae account as proof and my XXXX XXXX XXXX statements.
Product: Checking or savings account

Sometime in XXXX I was sent a letter from my bank which is Citi, that theyll be closing my account but the account has not been closed BUT they keep receiving my direct deposits, so I want the account closed and for them to GIVE ME MONEY THAT REMAINING in my account. First I talked to a representative on the phone and hes telling me I have to wait 30-60 days for my money for XXXX know what reason, they dont want to give me a reason. So I went into the branch they CLERK WOULD NOT EXPLAIN TO ME WHY THEY WONT GOVE ME MY MONEY THAT WORKED FOR, I have bills to pay they cant just keep my money & I can wait 60 days that ridiculous.
Product: Money transfer, virtual currency, or money service

I deposited funds to my Coinbase account on XX/XX/XXXX and was promised that the funds would be available for exchange or withdrawal on XX/XX/XXXX. However, my account was later restricted due to suspicious activity and I was asked to provide ID verification. After doing so, Coinbase informed me that I had two accounts with them, one of which was my brother 's account with different first name and SSN however they verified and then lifted restrictions on my account. Despite this, my restrictions were lifted but my funds of {$12000.00} are still on hold. I have been informed that my account is under review and I have to wait until XX/XX/XXXX to access my funds. I have reported this issue through multiple case tickets, but have yet to receive a response. CASE ID : XXXX, XXXX, XXXX, XXXX.