23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been trying to submit complaints to the credit bureaus. For some reason or another i have n't been too successful. I 'm not sure what the problem is but it is causing me major stress constantly trying to submit the same complaints and getting no responses. So again -XXXX XXXX XXXX I have NEVER done business with this company. Clearly they have made a mistake. I do not owe this debt they claim i owe. 

XXXX XXXX - # XXXX, # XXXX, # XXXX I have never done buisness with this company. I have NEVER given this company access to my personal medical information. Under the HIPPA law my medical records are protected. Please remove these accounts. 

-XXXX XXXX # XXXX I have NEVER done business with this company. Clearly they have made a mistake. 

-XXXX XXXX # XXXX I have NEVER done business with this company nor have i been contacted about this debt. Clearly they have made a mistake. 

-XXXX XXXX XXXX XXXX I 've contacted this company requesting debt validation. They did not respond. I 'm not sure how they can VERIFY something to the credit bureaus but not to me. Who did you speak to about this debt? Can you tell me the date and time you spoke with them also? If not please remove. 

XXXX XXXX XXXX XXXX XXXX This account is inaccurate. I do n't recall having an account with XXXX XXXX. Please remove. 

XXXX XXXX XXXX # XXXX I 've reached out to this company and they sent me some computer generated letter. I 'm not sure how that can substain as debt validation that i requested. Since this company could n't properly furnish me with the requested documentation in a timely manner it should be removed ASAP!!!
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX XXXX Failure to Provide 1099-C Form and Violation of FCRA I am filing a complaint against XXXX XXXX XXXX regarding their failure to provide a requested Form 1099-C ( Cancellation of Debt ) and their continued reporting of a charged-off account, which has been sold to Portfolio Recovery Associates. 
Details of the Issue Request for 1099-C Form : On XX/XX/2024, I sent a certified mail request to XXXX XXXX XXXX for a Form 1099-C, which is required if the charged-off debt was canceled or discharged. XXXXXXXX XXXX XXXX responded by sending me past card statements that included the amount owed, interest rates, fees, and charges. However, they failed to provide the requested Form 1099-C. 

Debt Sold to XXXX XXXX XXXX : XXXX XXXX XXXX no longer owns the debt, as it has been sold to XXXX XXXX XXXX. Despite this, XXXX continues to report the charged-off account on my credit reports. 

Violation of the Fair Credit Reporting Act ( FCRA ) : Accuracy of Reporting : Under the FCRA, credit bureaus are required to ensure the accuracy of the information on consumer credit reports. XXXX XXXX  XXXX failure to provide the Form 1099-C and the continued reporting of the charged-off account, even though the debt has been sold, creates inaccurate and misleading information. 

I have contacted both XXXX XXXX XXXX and the credit bureaus, requesting that this account be removed from my credit reports, but no action has been taken. 

Harm to Consumer XXXX XXXX  XXXX failure to provide the Form 1099-C has caused confusion regarding the status of the debt and my potential tax obligations. 

The continued reporting of the charged-off account has negatively impacted my credit score, despite the debt being sold to another entity. 



As per the law, since the XXXX XXXX XXXX has not responded to my request within the mandated time frame, the information regarding this account should be considered unverified and must be removed from my credit report. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when an item is found to be inaccurate or can not be verified, it must be deleted or corrected from my consumer file. 

Resolution Requested I respectfully request the CFPB to : Investigate XXXX XXXX  XXXX failure to provide the requested Form 1099-C.

Clarify whether the cancellation of debt was reported to the IRS, and if applicable, require XXXX XXXX XXXX to issue the Form 1099-C. 

Direct XXXX XXXX XXXX to delete the charged-off account from my credit reports, as the debt has been sold and its reporting creates inaccurate and duplicative information. 

Ensure the credit bureaus fulfill their responsibility under the FCRA to maintain accurate consumer credit reports by removing the account. 

I request that XXXX XXXX XXXX be deleted from my credit report immediately as the creditor has failed to verify the accuracy of the reported information within the statutory period.

Supporting Information I am willing to provide copies of : My certified mail request to XXXX XXXX XXXX. 

Copy of my request 1099-C to XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit card

Citibank calls their new credit card as Costco Anywhere Visa card but the " anywhere '' is an oxymoron and deceptive marketing. I do n't remember reading a foreign transaction fees in the card holder agreement, however it is not mentioned on the webpage that lists the benefits of the card. 

While I was in XXXX earlier this month, I used this card more than the other credit cards, since the foreign transaction fee did neither show up on the use of the card, nor the same day, nor the next few days. The foreign transaction fees showed at the end of the month on the billing statement. Which to me is unethical as the transaction should have shown as soon as the card was used. I did have other choices, but was misled by the " Anywhere '' name on the card. If it were truthfully an Anywhere card, the rules and regulations should be the same. Or at the least, I should have got a warning or alert of some kind as soon as the card was used or by the close of the business day. 

On a side note, Citibank is suing XXXX for gratitude as a variation of " thank you '' to their customers, even though the XXXX businesses have nothing in common and they have unique customer base. 

My perplexity is about the deceptive marketing and use of oxymoron in the name or in the terms and conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove XXXX XXXX XXXX from credit report. XXXX XXXX XXXX sold our lien during chapter XXXX Bankruptcy to XXXX lending who became XXXX XXXX loans. When XXXX XXXX XXXX sold the loan they sold all rights as the obligator of the loan. At that point the payments were made to the new lien holder. Had we defaulted the new lien holder would have acquired the loan as the new lien holder received the discharge by being the registered party with the trustees office at time of discharge. By law XXXX XXXX XXXX transferred the rights to the lien and discharge just as when XXXX XXXX XXXX obtained XXXX home loans XXXX stopped reporting our good credit with them and as XXXX XXXX loans acquired XXXX lending the information. About XXXX disappeared. When XXXX purchase the liability of the loan XXXX XXXX XXXX was no longer involved in the bankruptcy. XXXX XXXX XXXX need to be removed because two collectors can not lay claim to the same lien amount for the same obligate. When the trustee awarded the discharge it was to the lien holder at the time of discharge. When XXXX XXXX XXXX optioned the bankruptcy court for approval to sell the lien the rendered their right to the Discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair Credit Reporting Act XXXX Account # XXXX, has 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Debt collection

Navy Federal is reporting to the credit bureaus that I have an outstanding debt of {$5600.00}. I received a letter from Navy Federal stating that they would settle my account for {$1900.00}. I reached out to Navy Federal Credit Union today XX/XX/2022 and I tried to make a payment of {$1900.00}. They refused to accept payment from me, they told me my account was sold. However ; there is no collection agency reporting this debt to the credit bureau. I called the collection agency XXXX  to make the payment of {$1900.00} and they told me I needed to pay more although Navy Federal sent me a letter showing I only had to pay {$1900.00}. Navy Federal is reporting a debt to my credit but not accepting my payment.
Product: Credit reporting or other personal consumer reports

On XX/XX/23, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-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 results from alleged identity theft, no later than 4 business days after the date of receipt. These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY. The credit bureaus had 30 days and didnt remove any inaccurate information from my credit report. They are in VIOLATION of this law because I am a victim of identity theft. Please delete these items immediately.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I applied for a personal loan through SoFi, and the application included my most recent paystub. I stated an income level of {$110000.00} gross ( before tax ), and showed them a weekly paystub of {$2200.00} ( before tax ). That night, a message appeared on their website that stated that a voided check must be submitted to verify my banking information. 

The next morning, XX/XX/XXXX, I attempted to upload this document and the website encountered an error. I contacted customer support, who was able to upload the document for me through a secure messaging system. Additionally, they asked me to provide a bank statement, and I did so. After providing these documents, they were verified, and I was able to sign paperwork for the loan. 

On XX/XX/XXXX, I was sent an email stating there was " one last step : a quick call '' and they would contact me, but the call never came. Five days later on XX/XX/XXXX I was sent another email stating that the application was denied. The website shows that they were " unable to verify income '' despite having BOTH bank statements and my most recent paystub. Having contacted customer support through both email and phonecall, neither was able to provide any additional information on why they were unable to verify my income or the process they used to verify it. I have offered to put them in contact with my employer, but they refuse. 

I strongly believe that they are lying about being unable to verify my income level.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX, XXXXXXXX XXXX ON XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

this issue is with XXXX XXXX. flight confirmation number is XXXX. they charged me for a flight that I did not take. I called and spoke a representative on XX/XX/XXXX that I couldn't make my outgoing flight. they tried to put me on a later flight but advise that I needed to get to my destination earlier. I would look into something else. they advise my return flight was still good. on sunday when I tried to check in to my flight it gave me an error I called and they advise my flight was cancelled. after speaking with 3 agents they said nothing they can do I would have to call back on Monday and speak with corporate so they can pull my call from Friday so they can refund me or put me on another flight. I called on Monday and they advise that they could not pull the call and that nothing can be done. I advised several times that there own agent on Friday said my return flight would be ok. I requested to speak with a manager they advised couldn't transfer me and that nothing can be done. XXXX XXXX has stolen my money and took advantage of my situation. I called to see what could be done and they advise that my return flight was still good. please help my get my money back that they took from me for a service that was not provided. thank you
Product: Debt collection

Nissan Motor Acceptance Company sent me a bill for {$310.00} for property tax on a XXXX XXXX XXXX which I had leased from them. The lease was satisfied in XX/XX/XXXX and the XXXX XXXX XXXX taken over by XXXX XXXX XXXX. I explained to Nissan that the property tax should not be paid on a car I do not have. When I login it indicates that the lease was satisfied and I now have a new payment plan for a XXXX XXXX XXXX. 

Nissan Motor company told me basically too bad, you need to pay it. I asked them how they could pay the property tax on a car not owned by me, as they can see on their records that I no longer own the car. They have now sent it to a collection agency. 
I checked on Connecticut 's website and they only list the XXXX XXXX Kicks are my responsibility. 
This is not the first time they attempted to XXXX me out of money. My XXXX  stopped working which I was unaware of. They send me a bill for {$1500.00}- they paid the bill late and was charged {$100.00} per toll as a late fee.
Product: Mortgage

I had a second mortgage with HSBC. I made payments of {$220.00} per month on time. I then received a check returned by them saying my account was closed. About a year later I received a collection notice from XXXX XXXX a collection service. for {$29000.00}. 
I thought I was finished paying until I received this letter. I am on social security and can not afford this, especially sice I thought this loan was finished and behind me. I seriously need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHECKR IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT WHICH STATES Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. ATTACHED IS A COPY OF THE FAIR CREDIT REPORTING ACT. NEVADA REVISED STATUTE 598C.150 states : NRS598C.150Purging of information from files of reporting agency ; disclosure of purged information.A reporting agency shall periodically purge from its files and after purging shall not disclose : 1.Except as otherwise provided in NRS 463.334, bankruptcies whose dates of adjudication precede the report by more than 10 years. 2.Except as otherwise provided by a specific statute, including, without limitation, NRS 463.334 , any other civil judgment, a report of criminal proceedings, or other adverse information, excluding a record of a conviction of a crime, which precedes the report by more than 7 years.

CHECKR has previously conducted background screenings for other employers and has submitted CLEARED results that didn't suggest careful consideration be taken. ATTACHED ARE ALL DOCUMENTS SUPPORTING MY CLAIM/DEMAND THAT CHECKR REMOVE THE NEGATIVE ITEM FROM 2004 AND SUBMIT THE SAME INFORMATION TO XXXX AS THEY DID TO XXXX AND XXXX.
Product: Credit card or prepaid card

Hello i applied for a credit card on XX/XX/2018 and i was told to call a credit dept and i spoke to a young lady and she told me she had to call me back because my credit report had fraud alert on it and i never received a call back from barclays credit dept and i waited a hour and i called and they told me there systems are down around XXXX central time and i waited another hour and i called back and spoke to a fraud dept i was denied and they didnt give me a reason the customer rep was rude to me my application XXXX that is my number ... XXXX i was told the reason why i was denied because i had 5 other appications on file with barclays and i explain the fraud dept i didnt fill them out and i would have to wait 90 days to reapply and also i spoke to the credit dept again i was giving a different answer it beacuse i had too many new accounts open and i already closed all my loans down and paid all my account in full
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXXXXX/TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : Bankruptcy chapter XXXX Reference number : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$5400.00} XXXX XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards of the incorrect items on my credit report. It has been well over thirty days and I haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

I want an explanation as to why my Trans Union credit score is XXXX points lower than my XXXX score. My Trans Union credit score is XXXX. And my XXXX score is XXXX. 

Why is there a XXXX disparity between the two scores? I understand and am accustomed to a XXXX - XXXX point differences between reporting agencies ' scores, but never one as large as XXXX points. 

Further, I believe XXXX is correct and Trans Union, incorrect.
Product: Checking or savings account

On Tuesday, XX/XX/XXXX, around noon, I deposited two cashier checks representing a substantial amount of money at the Truist Bank, XXXX branch. The teller placed a 10 day hold on my funds. However, I checked the payor bank and realized that they paid Truist on XX/XX/XXXX around XXXX XXXX  Eastern time. Truist is refusing to make my money available to me in violation of Regulations CC 229.10 Next-day availability. 

( v ) A cashier 's, certified, or teller 's check deposited ( A ) In an account held by a payee of the check ; ( B ) In person to an employee of the depositary bank ; and ( C ) With a special deposit slip or deposit envelope, if such slip or envelope is required by the depositary bank under paragraph ( c ) ( 3 ) of this section.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these inquiries on my report XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX CREDIT - XX/XX/XXXX XXXX XXXX XXXX XXXX  Bureau XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX Bureau XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Bureau XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XXXX Finance XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  Bureau Inquiries XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX Bureau Inquiries XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX BureausXXXX Processing XX/XX/XXXX