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

I am writing to formally request a 1099-C form ( Cancellation of Debt ) related to the account associated with [ Account Number- XXXX ] that is currently being reported on my credit report. If this debt has been forgiven, canceled, or settled for less than the full balance, the IRS 1099-C form is required to be filed under 26 U.S.C. 6050P if the amount of canceled debt exceeds {$600.00}. 
In addition to the 1099-C form, I am disputing the accuracy of the debt and requesting verification in compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ), and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) . I am entitled to request and receive complete documentation to verify the accuracy and legality of this account 's reporting, and I am invoking my rights under [ Mississippi ] law to receive proper validation of this debt. 
Written Communication Only : Please be advised that I am requesting written communication only regarding this matter. 
I do not wish to receive any phone calls or other forms of communication. Any correspondence should be directed to the address listed above. This request is made pursuant to my right under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), which entitles me to request that all communication from you be in writing. 
Requests for Documentation : 1. 1099-C Form : 2. If the debt has been discharged, forgiven, or settled for less than the full amount, I request that you provide a copy of the 1099-C form filed with the IRS. This form is required when the forgiven amount exceeds {$600.00}. If you have not filed this form, or if you can not provide it, I will assume that the debt has been discharged and should no longer be reported as owed on my credit report. Failure to file the 1099-C may constitute fraudulent reporting of the debt. 
3. Authenticated Double-Entry Accounting Records : In addition to the 1099-C, I am requesting full double-entry accounting records for the account in question. This should include a detailed breakdown that shows all transactions, including the original balance, payments, interest, fees, and any other adjustments made to the account. Please ensure that the records comply with standard accounting practices, and provide authenticated evidence of the debt, rather than a simple list of charges or account statements. The court ruling in XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX 
XXXX ), states that debt collectors must provide verified and authenticated documentation, not merely conclusory statements.
Product: Checking or savings account

This Checking account Number XXXX the Store located in XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX. The Store Manager under XXXXXXXX XXXX XXXX XXXXXXXX is XXXX XXXX. The exact dates no longer available due the BANK closed the account themselves ; no online written statement can't be viewed and retrieve backward month by month. 

The closing of the account stemmed disputed out XXXX XXXX XXXX initial opened of {$200.00}. The bank transferred the funds to the XXXX XXXX timely. After several weeks discovering XXXX  advertisement is not consistent what they offer specifically the prices of the XXXX is predicted and indicator when to buy and to sell, none of these are showing on the XXXX XXXX I disputed it with TD bank as scammed. 

Submitted all necessary documentation and written explanation twice thrice to TD Bank Dispute Center, the XXXX XXXX acknowledged were scanned on banking files. 

Whether my credibility of the dispute is acceptable or not acceptable or simply not pass the Banking Standard. I am fine with it stack with XXXX. It was promised First week of XX/XX/year>, no check received at all. 

The bank officer stated XXXX stated the check already been issued and mailed but none of it received at XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX where the account maintained as billing and residing address. 

It is my belief and opinion T.D. Bank is unfair to close my checking account simply stated they disagreed with my disputed with XXXX If disapproved and disagreed the contents of the dispute, they can close the account but do not hold my {$2000.00} balance for living daily expenses, this TD Dispute Center Action rude.
Product: Debt collection

In the past 3 years ( since XXXX ) Ive lost or got my wallet stolen a total of 3 times and been having to replace cards and ids since .I recently logged into XXXX to check my credit score just to see a lot of fraudulent activity hurting my credit .I started to look into it and seen that someone had been using my identity to rent and buy things with my acknowledgment or consent a collection fee of XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2023, XXXX XXXX XXXX XXXX : {$15000.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00}, XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$700.00}, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$2000.00}, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023
Product: Debt collection

3rd party debt collections company Portfolio Recovery Associates claim I owe debt that has aged off 15 years ago and are calling me while at work. I told them not to call me, and have added my cellphone number to the do not call registry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, this was me disputing your non-compliance. So, I am sending it again so they can publish it on the government websites. I also am including a copy of my driver license and utility. That I have mail to you 5X but you keep reporting it been updated. I have also included a copy from the FTC. What I sent to XXXX XXXX XXXX about identity thief.I have been dealing with this issue for sometime. With Experian, XXXX  and XXXX XXXX. I told them that all my identities were driver license and Social Security card. I found out it was brother who passed away of XXXX XXXX last year. I have documents from IRS showing Identity Theft Affidvat and showing after they investigated they proved it was Identity Theft. In the letter explain you will see why I didn't reported to police because if you tell on the wrong person in my neighborhood they will XXXX  you. Also, in XXXX on 2020 I wrote XXXX XXXX XXXX XXXX were they said I fill out the applicant to get a car. I also have attached the letter I mail to them came back return to sender. On XX/XX/2020 I sent a certified letter with return receipt to Experian and XXXX to inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through physical verification of the original signed consumer contract. Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof and if they are unable to provide me a copy of verifiable proof, these items must be removed that are listed below. ( I have attached the letter I sent to XXXX  requiring ) Will Experian said that the verified it from XXXX XXXX but XXXX didn't respond yet. 1 ) XXXX XXXX ( both items were deleted 2 ) XXXX XXXX : was deleted 3 ) XXXX XXXX : was deleted by Experian that put back on without proof. XXXX  deleted it 2 months ago. None of the bureaus, creditors and collections have given me proof of what was ask in the letter attached. So, by law these items should be deleted if no proof was given. Also, I am veteran that is total XXXX all my check goes to my children for XXXX XXXX. But Veteran Adminstration trying to get my flat to rent but with that item on my credit report is causing a lot damage. Please help a XXXX  veteran.
Product: Debt collection

I have spoke with Capital One Auto Finance office of the president and sent in 1099 c 's that their company has accepted and sent back to me via mail. The accounts are still showing although the debt is XXXX. The company claims they did not discharge the debt and that I am still liable although I have provided all necessary documentation as well as sent it to the companies indentured trustee who is also not responding. I have sent a letter to the indentured trustee with this information also. The IRS has accepted the 1099C and Capital one actually sent me the copy B to the 1099C form, not the IRS. Capital One Auto Finance is stating they did not send that and that if they received anything like that in the mail, it would have been Shredded. This is stated on a recorded phone call with a manager of the office of the president. I have also called 2 times to update My terms and conditions of My contract removing arbitration. I keep getting sent copies of my contact, nowhere to sign stating no arbitration. As I am the holder in due course as I also hold the contract with you, it is my right to change the contract. Also in my last complaint I had used my right as a citizen to opt out of their reporting services citing many laws proving my right to do so. The company came back with XXXX and how it entitles them to report my non public information. According to XXXX, as attached in the documents, you are still violating my rights and this instance does not fall within the XXXX guidelines as an exception. Please forward this 1099C to the indentured trustee of Capital One Auto Finance per your Sec.gov filings and ensure my account is updated. In the meantime, update My account to paid as agreed, never late. There has been no proof besides a statement that I received notice 21 days before the due date of my.statement besides the statement itself. Please provide tracking of all statements sent and proof of delivery. If you can not provide this, you must update them per 15 usc 1666b. 15 usc 1681 ( 2 ) ( a ) ( i ) states transaction history may not be reported. If you are using XXXX to say yes you can report, see the attached that this non public information does not fall under the exceptions of XXXX. 

Also, I was waiting to make a payment as they stated they were still looking over the 1099-C that they sent to ME to discharge the debt and I have late payments on my account I did pay the account as soon as they told me they would not credit it. I however kept contact and made it known I had no intention of defaulting on my account with them.
Product: Checking or savings account

GoodLeap company is charging me solar panels I had installed and I told them I dont want to keep making payments because I got scammed, they arent working and they want me to keep making the payments even the service I had was a scam and the product is not working so I call my bank to stop the transactions, to cancel them and I explained my situation and they cancelled the transactions so they stop charging me and the company GoodLead realized that and they kept charging under someone name and I called my bank and I had to change my account and route number
Product: Money transfer, virtual currency, or money service

My payroll check was never intended to go to my cashapp account, someone changed my direct deposit and had my check coming to a cashapp account that isn't mine the account number. Deposit Date : XXXX XXXX Deposit amount : {$1800.00}. I spoke with several representatives through cashapp and was hung up on, told to go through email that doesn't get a response, and then spoke with a representative that said I could email him then he directed me to a dead end. I gave the ACH trace number as requested then I was told that I needed to have my payroll contact them and submit a reversal which were both done and they have gotten no response from Cash App or XXXX XXXX. This has been going on for over XXXX months now. Instead of reversing the payroll check that was going into an account in another individuals name that place the funds in the account and will not refund me my hard earned payroll funds.
Product: Credit reporting or other personal consumer reports

I am writing to formally challenge the accuracy of the information reported on my credit report, specifically regarding account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX CA, Acct : XXXX. As I was reviewing my credit report I noticed on XX/XX/year> a 30-day late of which I am never late on the payment ( s ). So I called XXXX XXXX to remove it and they have not removed it yet. I called back and spoke with a supervisor by the name of XXXX in customer service and she directed me to XXXX  as she has exhausted all her efforts to help me. 
I believe the information violates my rights under the Fair Credit Reporting Act, specifically 15 USC 1681e and 15 USC 1681i ( a ) ( 1 ). According to these regulations, all information provided by credit reporting agencies must be 100 % accurate across all the reporting agencies.

I request the 30-day be removed and reflect paid on time.

Please investigate this matter and provide me with the results of your investigation reflecting payments and statements of your investigation within 30 days which is required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report from Equifax, report confirmation # XXXX and noticed a hard inquiry was recorded on my report from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX submitted on XX/XX/XXXX. I have never applied for credit or a loan through this company. On XX/XX/XXXX, I contacted Equifax to inform them of the incorrect information on my credit report and that I did not apply for credit through this company. The employee, XXXX, informed me that she could not do anything to assist me to have the hard inquiry removed and that it was my responsibility to contact XXXX XXXX to obtain a letter from them verifying I did not apply for credit. She also asked if I contacted the police department to report it. Also, she confirmed it would stay on my credit report for two years until Equifax receives a letter. I asked to have a fraudulent inquiry put on my file to ensure this does not occur again.
Product: Credit reporting or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have disputed this account serval times. I demanded to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

LVNC Funding {$120.00} XXXX Unverified Account
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX and XX/XX/XXXX, I contacted this bank and asked them to unlock my account due to no proper findings for investigation. They responded with mockery and harassment by phone.
Product: Credit reporting

I had a car loan that appeared on my credit to be open with a balance of {$13000.00} still owed. i filled a complaint with all three credit bureaus to dispute this as the car loan with XXXX XXXX XXXX has been paid and settle since XXXX of 2012. I had a settlement with the car loan company to have XXXX ( a car dealership ) buy the dodge calibur for {$10000.00}. XXXX XXXX XXXX agreed to accept the {$10000.00} for the loan. I have a settlement agreement offer.It would show the loan was paid/settled. I was in good standing and was n't reported as late to the credit bureaus. When i noticed the car loan was still showing it was a current open loan for a reamining {$13000.00} i disputed it with the credit bureaus. I have heard back from everyone and XXXX and XXXX have it update to be true and correct. Transunion has now changed the account to be derogatory, with {$3500.00} in late payments and not paid. I contacted transunion to talk about their findings. I advised them i sent them proof of the settlement and that nothing is owed and that the account was never derogatory. The account should say paid/settled as the other credit companies have reported. They did verify that they received my proof and have it on file however the car loan company gave them different information and they have to go by what the car loan company has given them. I do n't understand how they can report solely on what someone says while the consumer has proof of the settlement. This discrepancy has cause my credit with them to plummet XXXX points since their false update. I have attached what experian concluded from their investigation which was true and correct and attached what TRANSUNION HAS FALSELY REPORTED.
Product: Debt collection

Hello and thank you for your time! 


I just received a notice of Garnishment/Garnishment Summons in the mail. First off this debt is 13 or 14 years old, well past the statute of limitations. 

Most importantly, I wasnt given due process to speak on my behalf. Apparently a judgement has been leveled against me for this garnishment but I never received notice of a hearing or had any chance to fight. This is debt thats been bought by one of those scavenger junk debt companies, Im not even sure this debt is mine, especially with the amount theyve been awarded!
Product: Debt collection

I have been making payments to Huntington Bank for a settled line of credit. I have never missed a payment. It has been over 4 years. This has now gone into XXXX XXXX and they are claiming they aren't receiving payments. The treasury department is now handling collections for this debt. However, Huntington Bank keeps accepting payments. 

This has now dropped my credit score from XXXX to XXXX and I am now in the process of getting a mortgage. I can not get mortgage with a XXXX score. 

I call Huntington Bank and they forward me to the Treasury department and Treasury department refers me back to Huntington. Nobody will straighten out their mistake.
Product: Money transfer, virtual currency, or money service

A business partner in XXXX sent XXXX to the wrong account at Chase Bank on XX/XX/2002 We have tried to have the wire recalled but Chase has not confirmed with the recieivng party the mistake. I have taked to XXXX people at chase who offer no solution. the bank in XXXX ahs tried to recall the money but Chase does not respond. Can you help me straighten this mess out. Have hire an attorney to help Identify the receiving party so we can conact them I have all the trannsfer information and chase ahs a record of all the secure mesage we exchanged thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Follow-Up on Dispute and Request for Verification PLEASE REMOVE ACCOUNTS OFF CREDIT REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 To Whom It May Concern, I am following up on a previous dispute regarding inaccurate accounts reporting on my credit report, which your bureau maintains. On insert date you mailed the first letter I sent a letter requesting verification of these accounts. On date of letter they sent you, I received a response from your office stating that the accounts were verified. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 2 ) ( C ), I am formally requesting a description of the method your bureau used to verify the information related to my dispute. This includes details about the procedures followed and any relevant documents or evidence that were relied upon in reaching your conclusion.

Per FCRA Section 611 ( a ) ( 2 ) ( C ), you are also required to forward all relevant information used during your investigation to the furnishers of the disputed information to ensure a proper review. 

Please provide this information within 15 days, as required by the FCRA. If you can not provide this documentation within the required time, I respectfully request that the negative items be deleted from my credit report. 

Attached, you will find copies of all documents included in my original dispute. Thank you for your immediate attention to this matter. 

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

I have two charge off items on my Transunion account that is reporting monthly. The first account is a XXXX XXXX Credit Card and the second item is a XXXX XXXX XXXX card. According to the FCRA USCC CODE 15 this is a illegal practice. I place a call to Transunion and they refuse to remove the items. Dispute number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX A XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.