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

I am filing this complaint regarding an inaccurate charge-off reporting by Discover on my credit report. I have never received a 1099-C Cancellation of Debt form, yet the charge-off is still being reported on my account.

Issues with Reporting : 1. No 1099-C Issued : Under IRS regulations , if a creditor cancels a debt of {$600.00} or more, they are required to issue a 1099-C form for tax purposes. Discover has failed to provide this form, yet continues to report the charge-off, which raises questions about whether the debt has truly been forgiven or is being misreported.

2. Potential Violation of Fair Credit Reporting Act ( FCRA ) : Per 15 U.S.C. 1681s-2, creditors must ensure that the information they report to credit bureaus is accurate and complete.

If Discover has canceled the debt but is still reporting a balance or negative status without a 1099-C, this constitutes inaccurate reporting and needs to be corrected immediately.
Product: Credit card

My husband passed away on XXXX XXXX, 2015. In XXXX of 2015, I contacted Navy Federal Credit Union to inform them of his death. He had a credit card with them. I asked what I should do about the account. They told me that since I was an Authorized User that I was responsible for the account and if I chose to keep the account open that I could. So, I chose to keep the account open. I have used the account for six months, and payed over {$20000.00} in balances. I have spoke to them on several occasions for the last six months when they froze the account, saying it was suspicious activity. I would call them, tell them yes that I made those charges and they would unfreeze the account. Never a word was mention to me about the account was going to be closed. I tried to use my card today and it was declined. When I got home from work, I called NFCU and asked them to unfreeze my account. It was at this time, I was told the account had been closed. I asked by whom, and they told me and I quote, " Well, there was someone else on this account ''. My reply was yes, my deceased husband. I was then informed because my husband had passed away, that because I was only an Authorized User, that I was not liable for this account. After being told that I was when I called and told them of my husband 's passing. They waited until I had paid the credit card down to almost nothing and with no notification or reasoning why, they closed the account. So, in other words, because I was only an Authorized User, they lied to me when I told them my husband had passed and told me I was liable, and after paying pretty much the entire balance off, they closed the account. My late husband and I have had this account for at least twenty three years. It was my only credit card. It was my emergency credit card. They should not be allowed to do this to people. They should have been upfront from the beginning and tell me, no I was n't liable for it. Instead they chose to lie and take over {$20000.00} XXXX that I could have desperately used somewhere else ) from a grieving widow. My husband served this country and I served this country, and this was completely wrong. Thank you in advance for any assistance that you can help me with this. They should n't be allowed to get away with this. i did what I thought I was supposed to do, but they lied and stole.
Product: Credit card or prepaid card

XXXX   purchased auto part from  XXXX  for  XXXX  Part did not match website description  XXXX   XXXX   XXXX  from merchant  XXXX  Returned to merchant and signed for via  XXXX   XXXX   XXXX  email support @   XXXX    asking about refund, no response  XXXX  Opened dispute with bank  XXXX  Closed after vendor promised refund  XXXX  Refund never issued, Re-activated claim  XXXX  followed up with bofa, refused to provide information on how to proceed
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$500.00}
Product: Debt collection

Brown and Joseph LTD. Keeps trying to collect a debt of XXXX dollars for XXXX. I never had this account, policy or collection. They have reported the collection to XXXX and it is affecting my credit report. I do not owe this money and this is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially disputed errors on my credit report with Experian on XX/XX/XXXX. I received a response that the account was verified around XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX respectively ( see attached ). About XX/XX/XXXX I sent Experian letters requesting their method of Verification according to my rights as a consumer under : 1 ) FCRA 611 ( a ) ( 7 ) 2 ) FCRA 611 ( a ) ( 2 ) ( B ) As  you can see attached ( several reports ), Experian has failed to follow the law under the time allotted and I simply want these erroneous accounts removed permanently from my file. Please have Experian provide my a free copy of a new credit report showing these items have been removed. 

Regards, XXXX XXXX
Product: Debt collection

I have recently Disputed this matter with XXXX, XXXX, and XXXX. Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a 601 goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts listed were opened without my knowledge. My identity was stolen to open these accounts. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX ; Original balance ; {$500.00}. please remove fraudulent / unauthorized closed account off my report or provide proof in writing within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to the XXXX XXXX  account on my credit report- i asked all three bureaus to investigate for accuracy of the account and noted that I was being cited for a 60 day late payment without ever being 30 days late. The investigation failed to fix this BIG error which means all three bureaus failed to properly investigate. 

As a result I can either get my lawyer involved or to avoid all that DELETE THIS ACCOUNT.
Product: Credit reporting or other personal consumer reports

I opened a credit card account with XXXX XXXX XXXX  on XX/XX/XXXX, with a credit limit of {$400.00}. Unfortunately, I was unable to keep up with payments due to unforeseen financial hardship, leading to the account being charged off with a balance of {$570.00} as of XX/XX/XXXX. The last payment I made was on XX/XX/XXXX. 

XXXX XXXX XXXX  sold the account to a debt collection agency, XXXX, which has since contacted me repeatedly. Despite their communications, I feel harassed by their methods, including frequent emails and calls. The communication style and frequency have caused unnecessary stress, especially as I am actively working to resolve my financial situation. 

Additionally, I noticed that the balance reported is 143 % of my credit limit, which raises questions about how fees and interest were calculated after the account was closed. I am requesting a thorough investigation into the charges and communication practices of both XXXX XXXX XXXX  and XXXX to ensure accuracy and fairness in handling this account.
Product: Money transfer, virtual currency, or money service

I called and spoke with rep with Chime on XXXX regarding an account closure that had funds of XXXX XXXX inside upon being closed. I was advised by the rep that since there was money in the account upon closure that after 30 days Chime 's process is to return the funds to the account holder or government if the account holder couldn't be identified. I provided my correct email along with verification of my identity to Chime as requested only to get the run around through Chime 's email and phone support team. Chime continue to not give an answer or status to me of when the funds of XXXX XXXX will be mailed to me as its been over 30 days. Account closure was on XX/XX/2023 it's now XX/XX/2023 and still no funds being mailed to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Late Payment Entry on My Credit Report Dear Equifax Dispute Department : I am writing to formally dispute a late payment entry that appears on my credit report. According to 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including late payment entries, must be removed from a consumers credit report after a specific period of time. 

The late payment in question may be outdated or inaccurately reported. Therefore, I am requesting that you investigate and, if necessary, remove this entry from my credit report.

Under 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from reporting certain types of adverse information after the following timeframes : Late payments and other delinquencies must be removed after 7 years from the date of the original delinquency.

Other adverse information, such as collections or charge-offs, must also be removed after 7 years.

The presence of this late payment on my credit report is damaging to my creditworthiness. If it can not be verified or if it exceeds the permissible reporting period, I request that it be promptly removed.

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681c ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Late payments and other delinquencies must be removed from the credit report after 7 years from the date of the original delinquency. 
Bankruptcy cases under XXXX XXXX must be removed after 10 years from the date of filing. 
XXXX XXXX  bankruptcies must be removed after 7 years from the date of discharge. 
This law ensures that outdated and damaging information does not remain on a consumers credit report indefinitely, protecting consumers from undue harm to their creditworthiness.
Product: Debt collection

TGA Debt Collection LLC in New Jersey called my grandmother as well as my mother and told them that they have been trying to send a check out to me acting like they were XXXX. They told my mother to have me call them and I did. I have the whole recording of them deceiving me to receive my address and phone number. They told me that they were XXXX and that they were prorating me for my insurance policy and sending out a check for {$100.00}. I typed in the phone number XXXX and it says that the number is connected to TGA LLC. I believe the guy also lied and said that his name is XXXX XXXX. This is very illegal and deceiving. Im not sure what debt they are trying to collect but I will not stand for this.
Product: Credit reporting or other personal consumer reports

I received a background check from Sterling for employment on XX/XX/2025 and a name is coming up with my social security number and I need it removed.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing this account as they was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute this account. They was opened without my knowlege, authority or consent. XXXX XXXX.
Product: Vehicle loan or lease

There was a total loss of the car in XX/XX/2023. The insurance company paid the balance off in full in XX/XX/2023, I also made my regular payment in XX/XX/2023. Bridgecrest reported me thirty day late when there was never a payment late over thirty days. My payments were made in full. They also received a refund from my warranty and service package purchased in XX/XX/2023 that they requested and applied towards my principal. I have also requested multiple times if there is a refund due to me and this company refuses to inform me as I know there is, and have not sent me my excess funds due me. They keep telling me to call back. There is a lot of fraudulent activity taking place there. The total loss department you can not even get on the phone. It should not take over 90 days to correct my credit report when it did not take 90 days to mess it up.
Product: Vehicle loan or lease

Dear Sir/Mam submit by XXXX XXXX for  XXXX XXXX XXXX VIN # XXXX Account with lender # XXXX against /Stander Consumer USA My name is XXXX XXXX I purchase my XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX in XXXX . the dealer register my car at the sate of XXXX. I moved from XXXX on same month XX/XX/XXXX Because the Covid 19 Which cause losing my job there to sate of XXXX. Now I live in XXXX XXXX since XX/XX/XXXX. I tried to call and contact my lender Stander Consumer USA, to change my XXXX  title to state of XXXX. and After i checked with the XXXX  DMV I faxed and mailed to Stander consumer the form request from XXXX  DMV requesting the lender to send the original title to XXXX  DMV mailing address to start the transfer process. I did the previous action on XX/XX/XXXX. And at each time i get hard time with my lender Stander Consumer USA to help at my request. I now almost keep calling them every week to follow up but I could not find any help on my concern to transfer my car title to XXXX
Product: Credit reporting or other personal consumer reports

I have inaccurate information reporting to my Experian Credit File. I disputed with Experian and they refuse to correct it. On top of the incorrect information being reported I have a lot of fraudulent credit inquires that are being reported to my file that I didn't authorize or give consent. 

XXXX. XXXX XXXX is inaccurate 30 day late is wrong. I never paid late. 
XXXX. XXXX XXXX is inaccurate 30 day late is wrong. I never paid late. 
XXXX. XXXX XXXX XXXX is inaccurate 30 day late is wrong. I never paid late. 

Credit Inquires are inaccurate and do to fraud. Someone used my information with out my consent to pull my credit report. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian XXXX XXXX is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' I have attached copies of my credit reports highlighting the specific XXXX XXXX XXXX  account that is reporting ( 2 ) Separate accounts ( 1 ) for {$16000.00} & another reporting {$10000.00} on both XXXX XXXX EXPERIAN. I have attached supporting documentation that reflects the ONLY account open with XXXX XXXX XXXX  which is for {$16000.00}. Despite my persistent efforts, the inaccuracies continue to adversely affect my credit report, causing unwarranted financial stress, Denial of Credit Approval, Fraudulent Debt to income ratio reporting, & more. I am well aware of the importance of accurate reporting for both consumers and creditors and I am disappointed that my concerns have not been appropriately addressed. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Bright XXXX forced me to purchase a {$36.00} dollar membership on XX/XX/XXXX which I wanted refunded immediately. they claim they have 24 hour support so I messaged the in app support and I emailed them. I never got a response Sunday so I assume because its not a business day that I should wait until the next day Monday comes along today and I called the number no response. The number doesnt work and i tried to email all the different company emails and once again tried the in app support which once again I get no response or refund, I went online to look if anybody else was being charged and hundreds of people are complaining that they are forced to buy a membership and then are charged {$99.00} instead of the actual scam membership price anyway and then are also receiving more charges from Bright XXXX out of nowhere. I fear that when bright money goes to forcibly charge me the {$36.00} for the membership they made me purchase by misleading me that they are also going to charge me {$99.00}. I am very scared because I do not have a lot of money. I would like a refund with Bright XXXX immediately and I want my bank account disconnected but they will not do that for me and they have access to my bank account.
Product: Credit reporting or other personal consumer reports

Please Re Investigate the inaccurate information you have furnished on my report without my permission. and do not try any stall tactics. Thank you.
Product: Bank account or service

( XXXX/XXXX/2015 ) I opened a Chase account with the promotion of {$300.00} for premier checking and {$200.00} for premier savings accounts. After receiving poor customer service and addressing concerns with the branch manager ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ), I continued to receive poor customer service. Since this branch is most convenient for me, I decided to terminate my relationship Chase. 

On closing my checking account first on XX/XX/2015, the relationship banker ( XXXX XXXX XXXX XXXX ) overdrew my account and reversed the promotion without informing me. I found out when I received notification through my cell phone application that my account was overdrawn and saw that the {$300.00} promotion was also reversed. I had to transfer funds from my savings account to prevent it from being overdrawn. She then informed me that there was a disclosure that I had signed that the account had to be opened for 6 months. After I notified her I was not aware of it, she told me I had signed for it and that she reopened my account. She proceeded to tell me that she will call corporate to tell them she accidently closed my account to get coupon reversal removed. 

After weeks of calling her, she told me she was not able to get coupon reversal removed ( XXXX/XXXX/2015 ). I questioned her about the 6 months policy and she told me it was written on the coupon. She also told me that since I 'm closing my accounts, she already informed everyone in the office my situation and that I could talk the branch manager about getting the coupon reversal removed. I informed her that I want to speak to someone who is his supervisor because he is the reason I am terminating my relationship with Chase. XXXX told me that their regional bank manager quit two weeks ago and that there is no one else I can talk to. I called the Chase corporate office and spoke to XXXX from the Escalation department and spent over 40 minutes with her to explain my situation. She told me a XXXX XXXX XXXX XXXX will return my call in two business days to address my concerns. I asked XXXX for a contact number for XXXX XXXX and she informed me I had to call the XXXX corporate number. I have not heard from XXXX XXXX. 

I reviewed my documents that I was given for my accounts. The relationship banker ( XXXX XXXX XXXX ) returned the coupon he had used opening of the account. It is no where in the disclosure documents that I had to keep this account open for a minimum of 6 months to secure this bonus or on the coupon itself. All the coupon said was that {$300.00} for signing up for direct deposit for savings and {$200.00} for depositing {$15000.00} for 90 days. 

I was never disclosed of this 6 months policy upon opening of the account or closing of the account. I have no proof of documentation of acknowledging this policy and nor were they able to provide proof that they " may '' have informed me at any point. Please see my attached documents.