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

Improper Reporting of Canceled Debt and Failure to Provide Form XXXX Dear CFPB, I am filing this complaint to address two issues : ( 1 ) the inaccurate reporting of a canceled debt on my credit report, and ( 2 ) the failure of the creditor to provide me with the IRS Form 1099-C as required by federal law.

Facts of the Matter : 1. The creditor has reported the debt as a charge-off ( or settlement/repossession ) on my credit report. Under IRS guidelines, a charge-off or similar action is considered evidence of debt cancellation, triggering the requirement to issue a Form 1099-C for debts of {$600.00} or more.

2. To date, the creditor has failed to provide me with a Form 1099-C, despite IRS regulations requiring that it be issued by XX/XX/XXXX of the year following the debt cancellation or charge-off.

3. Reporting the debt as a charge-off on my credit report implies that it is still owed or collectible, which contradicts its classification as canceled income for tax purposes.

Relevant Laws and Regulations : Internal Revenue Code ( IRC ) 6050P : Requires creditors to issue a Form 1099-C for canceled debts of {$600.00} or more and provide a copy to the debtor by XX/XX/XXXX of the following year. 
Fair Credit Reporting Act ( FCRA ) : Requires furnishers of information to ensure that all information reported to consumer credit reporting agencies is accurate and not misleading.

Issues and Impact on Me : 1. The continued reporting of the debt as a charge-off on my credit report is misleading and inaccurate, violating FCRA requirements.

2. The creditors failure to provide me with the required Form 1099-C has created additional confusion, as I am unable to confirm whether the debt has been properly canceled for tax purposes.

3. This inaccurate reporting and lack of documentation have caused harm to my creditworthiness and financial planning.
Product: Student loan

I logged into my navient account in XX/XX/2018 to make my normal monthly payment as I always do. I was not past due or anything abnormal. I went to make my payment and my total due said {$0.00}. I was very confused as to why it said my monthly payment of {$270.00} was showing nothing due at this time. I decided to call navient to see what was going on. The customer service rep said oh we are giving you a disaster relief forbearance. I was totally confused. I said what was the disaster? She said due to the fires that were currently happening in california they decided to turn off my account and give me 3 months of no payments to help me out. I told her that I did not request this and did not receive any email or letter in the mail about it. I made sure to ask her if I would be penalized for it i chose not to pay within those 3 months or if i would be charged any crazy interest or anything like that. She assured me that my account was completely turned off and it would not be accruing any interest and to resume payments in XXXX as normal. XXXX came around and i logged in and made my normal payment. I made another payment in XXXX as well as XXXX. I go log in this month to make my XXXX payment and I happen to notice that my account balance has not gone down whatsoever. I look at my payment history. For XXXX i paid a remaining balance of {$120.00}. ( i chose to pay {$150.00} in XXXX when my account was turned off ) The entire amount went to interest. For XXXX i made a payment of {$270.00} and the entire amount went to interest. For XXXX i made a payment of {$270.00} and only {$30.00} went to principle. I called navient and asked them why i had made payments totaling {$670.00} and only {$30.00} went to principle. they had responded saying its because my account was turned off and i owe back interest. I told them i spoke to a representative that did not give me the option whether or not to turn off my account and that it was their decision without even informing me and now im being penalized for capital interest. I told them to reverse the charges and they refused. they also told me my loan was extended for 3 months due to the account being turned off. i was furious and they basically told me there was nothing they could do. i feel completely scammed.
Product: Checking or savings account

I opened a new account with Truist on XX/XX/XXXX with an opening deposit of {$250.00}. 
I tried to log into my new account on XX/XX/XXXX and could not access my online account. I was told to go into the bank to show my ID to resolve. 

I went back the following week and they were able to unlock my account at the local branch. My company attempted to direct deposit my paycheck to the Truist account on XXXX, but the direct deposit was rejected. 

I found I was locked out of my account again and that my account was charged a {$12.00} service fee on XXXX because a direct deposit had not been made to the account yet. I went into the local branch on XX/XX/XXXX in an attempt to resolve the issue. 

The local branch then notified me that corporate Truist intentionally rejected my direct deposit and then closed my account. 

I feel like Truist basically stole {$12.00} from me by forcing me in a situation where I was not able to make deposits to the account to avoid the service fee and then ultimately closed out the account. 

The local branch told me they could not refund the fee as it was put on the account by corporate and corporate Truist told me the local branch had to handle. They had me stuck in the middle of their ineptitude.
Product: Credit card

I was married last XXXX and I called Capital One the first time in XXXX with my new information. They wouldnt change my name over the phone and had no way to submit documentation electronically. I had to wait for paperwork to be sent to my home to fill out and mail back to the company. I have contacted Capital One six times over the past seven months and still have not managed to change my name. They sent me more paperwork today to fill out and I am no longer interested. This has been absurd. I just submitted my final payment and will be closing all Capital One accounts as soon as possible. No other account has been this problematic for updating a name after marriage.
Product: Mortgage

I received an offer from Chase, which owns my mortgage, to apply to a lower rate. I applied and was rejected. The application involved a credit inquiry which lowered my score. Since then I 've continued to receive offers to apply to lower my mortgage regularly. I requested that Chase remove the inquiry that lowered my credit score and stop sending me offers.
Product: Credit reporting, credit repair services, or other personal consumer reports

No payoff amount is incorrect and off about {$6000.00}. My payment started XX/XX/XXXX and they have them recorded starting XX/XX/XXXX. I have my contract and payment book. I did defer my payments for too months due to a head injury. I owe eight more months. I made a years worth of payments in XXXX I am not getting credit for. I would like this resolved so I do not have to hire a lawyer. Also I would like all late payments deleted due to inadequacy.
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 : DPT EDXXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX and list of Inquiries. 

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 inf
ormation, 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

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. Act Name : XXXX XXXX XXXX XXXX : XXXX, Act Name : XXXX XXXX  XXXX  Number : XXXX Act Name : XXXX XXXX Name : XXXX XXXX, Act Number : XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 antedates the report by more than seven ( 7 ) years
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by your company TransUnion on XX/XX/XXXX that account XXXX with name XXXXXXXX XXXX XXXX was deleted from my credit report, because it doesnt belong to me. 

I have now realized that this same item was REINSERTED onto my credit report! 

In Accordance with the Requirements of the FCRA section 611 ( 15 U.S.C 16811 ) ( 5 ) ( B ) ( # 1 ) ( A ) ( B ) Requirements Relating To Reinsertion Of Previously Deleted Material ( il ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consume Reinsertion in writing not later than 5 business days after the Reinsertion or, if authorized the consumer for that purpose, by any other means available to the agency I have received no such Notification ; this is a serious violation of the FCRA, and I now reserve the right to pursue legal action for this clear violation of the FCRA! 

I demand that you immediately DELETE this Account from my credit report in order to XXXXup'4 legal action, I will also fax this to the Consumer financial protection Bureau XXXX 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I transferred money from an online platform called XXXX to an expired account I held with Citibank on XX/XX/XXXX. The account with Citibank was closed sometime in XXXX but was still saved in my list of accounts with XXXX. XXXX gave me the ARN number to track the transfer with Citibank as it didn't bounce back. However, the financial institution Citibank failed to comply and consistently refused to check the ARN number. The ARN number is the following : XXXX XXXX sent me a log of the transfer events for the transfer that is marked as complete on their end for an amount of XXXXUSD on XX/XX/XXXX at XXXX XXXX. I can provide my expired account number, routing number and the last 4 digits of the card if it can help retrieving the amount or forcing Citibank to comply with their fiduciary obligations and check the ARN/provide a full log of events.
Product: Credit card or prepaid card

I have several credit cards through Comenity Bank. I always pay my cards early to avoid late fees and negative reporting that would affect my credit score. I tried paying a few card bills on XX/XX/22 when I got the message that the had undergone maintenance and I would have to call back later. I have continued to try to call everyday since then and I continue to get the same message. I even went as far to check their XXXX  page on XX/XX/22 and it also show a message stating the have undergone a planned system update ( I took pictures of the message ). I do not want my credit to be messed up because they fail to have a plan in place for payments to be made timely while they make update. They do not offer the option for you to speak with someone so I follow up with other customers who pointed me here for possible help.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX  XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXXXXXX XXXX - Account # XXXXXXXX XXXX  - Account # XXXX The above accounts have violated my rights. 

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, states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section, states that 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

I have sent letters on XX/XX/21 about FASLE reporting and unlawful inaccuracies on my Credit Report to the Reporting bureaus ( XXXX, XXXX, Equifax ) and have still not received a response from them and it has be over 30 days. 

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX Open date TransUnion-XXXX XXXX XXXX Date last payment TransUnionXXXX XXXX XXXX  TransUnion-XXXX  120 days late XXXX XXXX 150 days late XXXX XXXX 120 days late TransUnion-XXXX 120 late XXXX XXXX XXXX XXXX TransUnionXXXX - XXXX - XXXX OK TransUnion- XXXX XXXX XXXX OK TransUnion-XXXX XXXX XXXX OK Since XX/XX/XXXX to XX/XX/XXXX I have sent multiple letters. With no response back. 
Attempted to dispute online but was unable to upload any documents. 
Attempted to get thru on phone after being on hold for hours. 
As a XXXX work 16 hour shifts throughout the pandemic XXXX XXXX XXXX then coming home to care for XXXX children. This has been emotional draining. 
These derogatory errors on my credit report are preventing me and my family from building our dream home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove personal information from my credit profile after being informed already of the addresses being incorrect. They claim that since grantors report the address that they assume to be valid This is a violation of the FCRA. Experian has provided no proof to date that I have any connection to the following addresses XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX
Product: Debt collection

In 2014 XXXX cell phones were sent to me, that I had not requested from XXXX. They did not allow mw to return these XXXX phones and wanted payment, which I said was not going to happen. They started a collection process in 2014, and I never paid a single thing to them on this account, and it was a constant harassment process from the collection agency, Jefferson Capital. Recently they fraudulently started another attempt to collect a debt from me on this old account which has been eight years from the first attempt, trying to make it appear as a new collection when in fact its more than eight years old. I have correspondence from those old collection efforts and I never paid a thing, because I never requested the phones in the first place. I still have the unused phones and XXXX willing to return them, but have no idea how to do so. 
Let me be clear the phones were never activated or turned on, they are still in the original boxes. Trying to regurgitate an old account as new should be criminal. 
I want this removed from my credit report, please help me get this accomplished.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and contest the accuracy of certain accounts listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. These inaccuracies, specifically late payments, do not reflect my financial behavior or history accurately. 

I have taken proactive measures to address these discrepancies by contacting the respective banks associated with these accounts. I am pleased to inform you that after thorough investigation, these banks have acknowledged the errors and have agreed to update my accounts and remove the late payments. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I do not recognize nor authorize this " XXXX XXXX XXXX  " account # XXXX I am a victim of identity theft. also some hard inquiries I do not recognize nor authorize without my signature
Product: Checking or savings account

Between XXXX of XXXX and XXXX of XXXX my my bank account transactions were {$190000.00}. I purchased 4 cars but feel some transactions were Fraudulant. My alerts were diverted and I question Chase at throughout the year. Chase has found no fraud and dismissed my complaints. The XXXX Chase bank has recently closed that branch. 
The person that I lived with but was not given permission to access my account abruptly broke off our relationship and left town. Selling her house and relocating to XXXX. She would not discuss any of my concerns and has not spoken with me since XX/XX/XXXX. 

The XXXX XXXX XXXX department said unless the bank finds fraud it is civil not criminal. I started the Banking with Chase {$240000.00}.
Product: Checking or savings account

US Bank advised that my pension deposit that comes on the 1st would be routed to my account, specifically stating there would be no problem. As of today I was told I can not have access to my pension and it would take days. Further the XXXX, XXXX was snide and dismissive blaming the issue on IMRF ad federal reserve. Because of US Bank providing inaccurate information I have been caused hardship. The manager also stated I am recording this conversation in the middle rather than from the start and should include all the conversation. I should not have to suffer hardship because US bank provided inaccurate information. The manager, who was literally the worst I've come across in a XXXX fashion stated I'll retrain the employee that did nothing to rectify and address my situation the result of improper nformation provided to me as a customer. I hope the bank listens and retrains XXXX and others are do not go without their pension.
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, XXXX, and Equifax to correct my personal info so everything can correct on my report. 

Name : XXXX XXXX XXXX XXXX SSC # : XXXX Address : XXXX XXXX XXXX # XXXX XXXX, Iowa XXXX However XXXX they stated everything was complete and accurate. But how is that possible if they still showing incorrect info on my report. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit card or prepaid card

I am complaining against Macy 's as they are taking aggressive steps to request payment on my Macy 's Credit Card. 

I contacted a CSR on XX/XX/2019 ; expressing a hardship, and they Debt Collection Agencies have contacted me on EVERY day ( At times, 4-5 times a day ; including weekends ; and after XXXX XXXX. ) since ( Including Today ) calling requesting payment.