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

I am submitting this follow-up complaint regarding my previous CFPB complaint ( XXXX XXXX. XXXX ) against XXXX XXXX  XXXX which was closed without proper resolution. 

In addition to the credit reporting violations previously documented, I am formally requesting that XXXX XXXX  provide the IRS Form 1099-C for the appropriate tax year in which they charged off my account. 

XXXX. On XX/XX/year>, XXXX XXXX  charged off the account due to nonpayment. On XX/XX/year>, XXXX sold the debt to XXXX XXXX XXXX XXXX XXXX. Despite selling the account, XXXX continued to report inaccurate and misleading credit information, leading to a previous CFPB dispute. In addition to their failure to correct my credit reports, I now require documentation related to the charge-off, specifically the IRS Form 1099-C, which creditors must issue when they forgive or cancel a debt of {$600.00} or more. 

2. Request for IRS Form 1099-C Under IRS regulations ( 26 U.S.C. 6050P ), creditors must issue a Form 1099-C when they cancel or discharge a debt of {$600.00} or more. Since XXXX XXXX charged off my account on XX/XX/year>, and no longer owns the debt, I am requesting that they provide : - A copy of the IRS Form 1099-C for the tax year in which the charge-off occurred.

- A statement confirming whether they reported the charge-off as canceled debt to the IRS. 
- Clarification on whether XXXX XXXX  legally forgave the debt or transferred it entirely to XXXX XXXX XXXX XXXX XXXX. 

XXXX. Failure to Provide Required Tax Documents As of today, I have not received Form XXXX from XXXX XXXX  for the charge-off. 
If XXXX XXXX  claimed the charge-off as a loss on their tax records, I am requesting they issue me the1099-C for the year the account was actually charged off for their tax reporting purposes. Without this documentation, I can not accurately report my financial obligations to the IRS, and XXXX  lack of transparency raises concerns about their compliance with both CFPB and IRS regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  account # XXXX and account # XXXX, XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX. account # XXXX has violated my rights. 

15 U. S. C. 1681 Section 602 A States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 166 b States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.
Product: Mortgage

Hello, I am needing your help because New Rez continues to save the banking info on the website. 

I specifically request for my banking information not to be saved and no matter what I do, my banking information is saved. 

I have mentioned this to New Rez in the past but as of this morning, XXXX XXXX XXXX is still showing up saved. 

Please keep in mind that XXXX XXXX XXXX is a joint account and the other person that I am on XXXX XXXX XXXX with also would like their information removed from the NEW REZ website, particularly since they have nothing to do with NEW REZ. 

I look forward to hearing from you. 
Thanks, XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 or other personal consumer reports

STUDENT LOAN : ALL DEPT OF XXXX ED In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 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 items of information, other than records of convictions of crimes which antidotes 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 or other personal consumer reports

I am a victim of identity theft and someone has opened a fraudulent credit card account in my name. I have contacted the bureaus over and over and filed an FTC report, and they have refused to fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : According to 15 U.S.C 1681 ( 4 ), There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 15 U.S.C 1681b, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 15 U.S.C 1681c, Except as authorized under subsection ( b ), 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. With that being said, there is no such thing as public information. The consumer has the right to privacy. If I don't want something on my credit report, it doesn't need to be on my credit report because I have the right to privacy. The following is a list of accounts that violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX ; Account # : XXXX, XXXX XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  ; Account # : N/A, XXXX XXXX XXXX ; Account # : XXXX
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX, and I am a law abiding citizen. I am a XXXX of XXXX beautiful XXXX, and I have been married to my wife XXXX XXXX for XXXX years. We both work full time. 

I leased my dream vehicle which was a XXXX XXXX XXXX back in XXXX XXXX which I was supposed to purchase after the lease ended which was going to be around XXXX. 

I had problems with the vehicle immediately. I even got stuck on the road nearly 3 times. XXXX time a XXXX XXXX XXXX had to get me off the road because I nearly got struck by a bus. 

They had to replace the engine, I dealt with numerous service issues and phone calls to XXXX to come to an agreement to finally get out of this lease because the vehicle was shot. I spent hours and hours working on getting out of this vehicle because it is not operable and not safe for my family. 

XXXX decided to send me {$3000.00} and offer me a CDI discount on my next vehicle to help offset all these issues. A CDI discount is pretty much an employee discount. So I stayed loyal to the brand, I leased another vehicle, I had to roll in {$6000.00} into my new lease to pay off the full lease payments for the XXXX XXXX that was a lemon, and a defective vehicle. I didn't have time to go through lemon law process, my wife and I both work full time. We already spent hours and hours and days dealing with this vehicle that was not safe. 

After I returned the vehicle .... XXXX  decided to charge me {$740.00} dollars for wear and tear issues including tire replacements. I immediately called XXXX, which is nearly impossible to get a hold of. They told me numerous times that I had until XXXX to pay this balance because I paid {$6000.00} in advance, and they would not report anything on my credit. 

I couldn't even believe I had to end up paying {$740.00} for this vehicle. I kept trying to fight it, no one would help. 

Last month XXXX sent me to collections to a non reporting agency, I paid it immediately because I was so fed up. 

The agency told me nothing will be reported on your credit report because they are a non reporting credit agency. 

XXXX weeks ago XXXX took my score down nearly XXXX points and marked this as a charge off, and a non payment. I can not believe this. 

Please have someone call me XXXX. I have contacted the FBI, and they instructed me to go to the local authorities. 


I have attached all documents to this email chain. 

XXXX. XXXX  contract. 
XXXX. Payments showing on time. 
XXXX. Documents showing lease paid in full. 
XXXX. Documents showing all the service records which show everything. 
XXXX. Documents showing XXXX ruined my credit. 
XXXX. Document showing I had to sign an agreement not to go after XXXX but I was forced to sign this, I had no choice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, i disputed an account that I recognize as not being mine. This was listed as a chargeoff. Because I am trying to finance a major purchase, I paid the chargeoff, and was told that they would delete the account entirely ( by the creditor ). They did not do so. 

I disputed this account on the tranunion web site, and received notice that they 'verified the debt as accurate '. I am challenging how this investigation was performed, because the results were delivered VERY quickly. The US Supreme Court has already ruled that they must conduct an investigation independently and can not just take the work of the creditor. The speed with which the dispute was completed dictates that Transunion likely used the XXXX system that they partially own, to verify this debt. 

Adding insult to injury, their online dispute process is flawed ( by design, i'm sure ). They is NO mechanism by which to upload supporting documents, no mechanism to email supporting documents, and no mechanism to fax supporting documents ... despite these options ALL being mentioned as available. 

I do believe that Transunion is violation the Fair Credit Reporting Act, in several ways. 1, they arent conducting an independent investigation. 2. They are NOT providing me with written results of the investigation. 3. they are NOT supplying the method of verification despite being asked politely, and 4 they are making it intentionally difficult for anyone to submit a dispute. 210 characters to explain a complex financial situation? No method by which I can respond or escalate the dispute? 

Further, it seems that in an age of instant information, within moments of using a credit card my balance is updated on my credit report. Why exactly is it that it takes over XXXX weeks to reflect payments on those same accounts? 

It is 2022. We have a larger number of communication mediums available to us than at any time in the history of mankind. Transunion is limiting them tremendously, and manipulating the ones that they do make available. 

This is a material violation of the FCRA< but frankly I believe is also fraudulent activity on the part of the agency I am supposed to trust with my information.
Product: Payday loan

My loan was due on XXXX/XXXX/2015 which I paid on XXXX/XXXX/2015. I was told my pay off would be {$550.00} on a {$300.00} loan so I paid it. The next day, I XXXX guessed that payment and called to inquire ; I was told by XXXX that she had to speak with XXXX the store manager and would call me back. I had not heard from XXXX so I called today, XXXX/XXXX/2015. XXXX simply apologized to me, stated there 's nothing she could do " days later '' and offered me another loan for {$200.00}. 

I stood in front of the person helping me and counted out {$550.00} and handed over a quarter. The girl handed me back a XXXX dollar bill and said I gave her {$550.00}. 

I was n't given a receipt or the copy of my contract. I was so disturbed over owing {$250.00} on a {$300.00} loan that I just walked out of the place. 

I have been taken advantage of.
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX XXXX XXXXXXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts RE : XXXX XXXX XXXX XXXXXXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Money transfer, virtual currency, or money service

A man from XXXX supposedly contacted me and said that my account has been compromised and I needed to move money from my chime account into another account. He gave me an email to transfer the money. Ive never experienced this before, and he had all of my information and everything, so I am willingly transferred out {$260.00} to a email for XXXX XXXX and they completely swiped my account in Chime so too bad they were XXXX and Im so upset because that was my XXXX money but I wonder if theres anything anyone can do probably not
Product: Debt collection

Date : XX/XX/year> Company : IQ International Name : XXXX XXXX I received a call from this company regarding a debt I was not mailed about. The man I spoke to initially was trying all he could to see if there were some sort of way for me to have more time to pay off my debt or at lest work towards paying it. He told me he'd try to get someone who could help me, but I was unfortunate enough to be picked up by XXXX XXXX. I made it clear to her that I was in no position to pay and was unsure of options, but she got extremely rude with me and even insisted that I was showing carelessness. She insulted my intentions and intelligence, stating that " If I say I'm a millionaire, that doesn't mean I'm a millionaire ''. She put words in my mouth when she insisted that I " have no intention of paying this '', and insisted that I would never be able to rent again or buy a home due to this blemish on my credit. A blemish that I would've been able to alleviate, albeit slowly, had I been made aware of it preemptively. 
The number I was contacted at was ( XXXX ) XXXX @ XXXX
Product: Vehicle loan or lease

They never disclosed to me my right to rescind and they also never did consumer credit, not giving sum of ALL charges information was not giving therefore its considered fraud! Also taking payments for me and not giving the proper credits for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6700.00}, {$9000.00}, {$14000.00}, {$7900.00}, {$30000.00}, {$11000.00}, {$200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6700.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$14000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7900.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my account. 


-- CLOSED ACCOUNT 6. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

PayPal has lost my {$10000.00} in the process of an attempted refund. On XX/XX/2020, I sent my son {$10000.00} via PayPal. This amount was half of my retro XXXX payment and I sent it so that he could help me manage my funds. At the time, I was unable to log onto my own PayPal account, so I sent the funds from my mothers account ( with her permission ) by attaching my debit card to her account. My bank debit card was stolen around XX/XX/2020 and I filed a dispute with my bank, XXXX XXXX XXXX  XXXX On XX/XX/2020, PayPal erroneously processed a chargeback in the amount of {$10000.00}. PayPal claims that this action was taken in response to my bank reaching out regarding disputed charges. However, the funds have never been refunded to my account, nor to the originating PayPal account. Also, I specified in the XXXX XXXX Dispute Claim form sent to my bank ( attached ) that this transaction was not to be included in the dispute, however it was reported to PapPal in error. According to PayPal, they initiated a chargeback at my banks request. I have placed several dozen calls to PayPal in an effort to resolve, including a conference call with my bank. I have also attempted to reach PayPal electronically to avail. PayPal told me they would trace the transaction, but still insist that the funds went through to my bank and insist that they are not accountable for my missing {$10000.00}. My son has also attempted to correct this error via email and phone.
Product: Credit reporting or other personal consumer reports

There was a Capital One credit card that showed up on my credit report that says I am an authorized user but I have no information or idea about that account. I disputed this with XXXX in XX/XX/XXXX and never heard anything about it again until it should up on a credit reporting for XXXX XXXX  when trying to buy a new house. I have filed a dispute with XXXX as well and still waiting to hear back as of last Thursday, XX/XX/XXXX.
Product: Credit card or prepaid card

I just tried to go in the bank and get verified and was told they could not help me I had to come back. I was never told but supposedly it takes 30 minutes to be verified.