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

I am writing to lodge a formal complaint and request an investigation regarding a charged-off account, Account Name : LVNV FUNDING LLC, Account Number : XXXX, inaccurately reported by a creditor. Specifically, the creditor has unlawfully reported a charged-off account while simultaneously reflecting a balance on my credit report. This reporting practice violates my rights under federal law, including the Internal Revenue Code ( Title 26 ) and the Fair Credit Reporting Act ( FCRA ). Furthermore, I have not received a 1099-C from the creditor, which is required when debt is canceled, discharged, or otherwise written off.

Basis for Complaint : Failure to Issue 1099-C as Required by IRC 6050P.

Under the Internal Revenue Code ( IRC 6050P ), a creditor is obligated to issue a Form 1099-C when a debt of {$600.00} or more is canceled or charged off. The absence of a 1099-C creates ambiguity about the legal status of the account. It is a clear indication of noncompliance with federal tax reporting requirements and calls into question the validity of the continued reporting of any balance. 

Inconsistent Reporting of a Charged-Off Account : By reporting the account as " charged-off '' while still reflecting a balance, the creditor is engaging in inconsistent and inaccurate reporting. A " charge-off '' designation signifies that the creditor has written off the debt as uncollectible and ceased collection activities. Therefore, any balance reported is misleading and violates the accuracy standards required under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ). 

Court Precedent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court held that once a debt is charged off, it can not simultaneously remain active for reporting purposes or accrue interest. This precedent underscores that reporting a charged-off debt with a balance constitutes a misrepresentation of the debt 's legal status and harms the consumers creditworthiness. 

Violations of Law : IRC 6050P requires creditors to issue a Form 1099-C for debts deemed canceled, charged-off, or discharged. The failure to comply violates federal tax law.

FCRA ( 15 U.S.C. 1681e ( b ) ) mandates that information furnished to credit reporting agencies must be accurate and not misleading. The continued reporting of a balance on a charged-off account is inconsistent, inaccurate, and unlawful.

Requested Actions : I respectfully request that the CFPB : Investigate the creditors noncompliance with IRC 6050P, particularly the failure to i
ssue a Form 1099-C ; Require the creditor to clarify the legal status of the charged-off account and correct any inaccurate reporting ; Direct the creditor and credit reporting agencies to remove the charged-off account and balance from my credit report ; Enforce compliance with the FCRA and federal tax laws to prevent further violations of my rights.
Product: Checking or savings account

Bank of America complaints process. Company incorrectly charged me for purchase on XX/XX/XXXX for XXXX. I reached out to company who acknowledged issues with system but never refunded. Reached out to bank of america to dispute on XX/XX/XXXX. The associated informed me that because I did not authorize, it should be a fraud dispute. As I intended to make the purchase but the purchase was declined due to a system error I stated my skepticism, but proceeded as advised. The claim was later denied because it should not have been filed as fraud. I called the bank to dispute this, to which I was told it was being reopened and escalated. I called the next day caus I have no word on how it was proceeding and was told it was not escalated and I needed to fax info. I did, but not escalation occurred. After 3 weeks, I called again on XX/XX/XXXX. I was told that things may be delayed. I called again on XXXX after the holiday and delay and was told an escalation occurred 2 hours before my call, meaning that it took 3 weeks to process the intiial escalation. I was told a decision will be made in 24 hrs. I called back in 24 hrs and told it would be another, 24 hrs. I waited and called back the next week and was notified that my claim had actually not been escalated and was in the same place. Called later an an associate on XX/XX/XXXX told me that the best course of action was just refiling the claim correctly. Trusting this advisement, I did. He filed the claim for me and I received my credit. Today, XX/XX/XXXX, I was informed that the claim was denied because it was beyond the period for filing a claim. As the previously claim was withdrawn under advisement of the associate from XX/XX/XXXX, Bank of America is offering no legal remedy to funds they guarantee to insure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery added a derogatory mark on my credit report per XXXX XXXX, upon further research, this not my account and was transferred/ sold I am not responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA [ Collection Agency Name ] has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that is not 100 % accurate. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next XXXX  days. I know that you have up to XXXX days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately.
Product: Credit card or prepaid card

on XX/XX/2022 my XXXX rewards card- marcus by goldman sachs card was declined at a gas station. i called to see why and was told it was for non payment of my XXXX bill. my bill has been paid through auto pay from my checking acct since XXXX of XXXX i did not take it off of autopay ( it has since been put back on autopay ), so someone or their system must have taken it off autopay. the girl i talked to waived the {$29.00} fee for not paying my bill, but could not remove the interest of {$24.00}. she said i would have to file a dispute. i filed the dispute on XX/XX/XXXX and got a response on XX/XX/XXXX saying they found no errors and would not remove the interest. on XX/XX/XXXX i filed another dispute over the phone and they responded on XX/XX/XXXX saying they would not remove the interest charge. 
on XX/XX/XXXX i tried to email the company directly, but they were having web issues and it told me to try again in a couple hours. 
marcus recently took over the XXXX rewards card this year. i received my first bill with marcus in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter dated XX/XX/2021 to Blakely-Witt Association, called XX/XX/2021 at XXXX to follow up as I had not received a response or a deletion as they have violated several of my consumer rights. Spoke to a rude rep XXXX, which he ended up hanging up on me, called again, then spoke to another rude rep, XXXX XXXX in which he was of no assistance. The letter stated that they never received any written consent from myself to report this " alleged '' debt to any consumer reporting agencies, especially XXXX XXXX & XXXX and that no consent is identity theft, attached with a copy of the law. He refused to answer my question and said that they have responded to every letter I've sent them but yet asked what the letter said as if it wasn't received. They refuse to speak respectfully and acknowledge that they violated several of my consumer rights. Proper investigation was not completed to verify the said debt pursuant to 15 usc 1681a ( e ).

Regardless, 15 usc 6802 states that " an institution may not disclose personal information to a non-affiliated 3rd party without consent '' so unless Blakely Witt can provided consent, they need to delete any alleged debt immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2023 I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. Thank you for understanding. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

The delinquent payment shown on my consumer report beginning XX/XX/XXXX for account XXXX was a result of my work loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. To help accommodate my situation, XXXX XXXX moved payments to the back of my loan extending the payoff date. The account was later brought current XX/XX/XXXX. Please update this information to PAID AS AGREED for the following time period : XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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, 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain accounts and inquiries reported on my consumer credit report, as referenced below. These entries appear to be the result of a data breach, fraud, or unauthorized activity. I demand verifiable proof, including my signature or electronic signature, for any transactions or inquiries associated with these entries.

Please note that I am submitting this letter on my own behalf and not through a third party. I request that you carefully review this matter, as I did not authorize these actions. These unauthorized entries are a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which requires the blocking of information resulting from a data breach or fraud, and Section 604 ( 15 U.S.C. 1681b ), which outlines permissible purposes for consumer reports.

I have already contacted the relevant companies and discovered that these actions were initiated without proper validation or original documentation from the reporting entities. Since I did not authorize these accounts or inquiries, they must be classified as the result of a data breach or illegal reporting by creditors or third-party data furnishers.

I request that you conduct a thorough investigation into this matter and take appropriate action to resolve these discrepancies as soon as possible.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes, mostly due to the recent CFPB lawsuit highlighting issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering these lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users like myself vulnerable to scams.
Product: Credit reporting or other personal consumer reports

POSSIBLE FINANCIAL is in violation of multiple laws set forth by Congress. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( POSSIBLE FINANCIAL ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( POSSIBLE FINANCIAL ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. POSSIBLE FINANCIAL can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from POSSIBLE FINANCIAL for the cancelled debt in order to file as ordinary income. Where is my 1099-C POSSIBLE FINANCIAL is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS. This is unsatisfactory! POSSIBLE FINANCIAL has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In POSSIBLE FINANCIAL terms and conditions they agreed not to share my information with non-affiliates. XXXX and XXXX is not an affiliate of POSSIBLE FINANCIAL nor are they bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I ask for a Pin Number involving My Equifax Credit Freeze Confirmation Number XXXX. And XXXX XXXX me, went through four more Equifax Confirmation Numbers after asking for a Pin Number to my Equifax Credit Freeze Report.

And after five tries one Equifax Representative stated that stated on XX/XX/XXXX ta creditor reported my address as being XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. This was absolutely and totally wrong.

I left XXXX, XXXX on XX/XX/XXXX, and moved into the XXXX XXXX XXXX, in XXXX XXXX XXXX, on XX/XX/XXXX.

I ask which creditor? Because all of my creditors including Bank and Department Stores Credit Cards along with XXXX, XXXX XXXX   knows my Address and it has been since late XX/XX/XXXX And what's troubling, Equifax could not reveal which creditor it was that gave this false and erroneous address. I only have a few credit cards.

And that is the major problem. Which creditor I ask again and I could not get an answer as to which creditor it was that stated I still lived in XXXX, XXXX even in XX/XX/XXXX.

The problematic of this entire matter is that on XX/XX/XXXX, My FICO Score Report was sent to me with the same name and address as being XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX   XXXX some 11 years earlier. And how could Equifax get it some wrong in year XX/XX/XXXXwhen they got it right in year XX/XX/XXXX.

So who was it that gave this false report?

And since then I have changed my first name legally from being XXXX  to XXXX XXXX XXXX.

Please see the attached documents.
Product: Credit reporting or other personal consumer reports

These companies are reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents, so I may review to see if this is actually an account that belongs to me. 
TransUnion XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$660.00} XXXX XXXX {$9200.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$400.00}
Product: Mortgage

Date : Since Wells Fargo assumed my mortgage on or about XX/XX/XXXX. 

Disputed Escrow Account Charges : Approximately {$700.00} or more Disputed Late Charges : Approximately {$180.00} or more Unfair charges to my escrow account regarding flood insurance, for which I have provided proof of. My unit is on the XXXX floor of a building. My building is covered by flood insurance and has provided proof of coverage to Wells Fargo and its predecessor mortgage company I have provided proof of flood insurance but they continue to charge me for it Establishment of Escrow account when it is not needed or required and without my consent- estimated to be {$50.00} per month or more Inaccurate charges late charges when my bank has been making automatic payment on time like clockwork estimated to {$13.00} per month or more Negative amortization to my loan balance that are unauthorized My outstanding balance on the mortgage has increased Wells Fargo misapplies my additional principal payment into an escrow account which should never have been established in the first place Attempted to response the situation, but Wells Fargo continued to promise to resolve the situation but they never do- they retaliate further Non-stop harassment phone calls in early mornings before XXXX XXXX, on weekends before XXXX AM on Saturdays and Sundays, before XXXX XXXX and in the evenings, after XXXX XXXX   Wells Fargo is harassing me because I have a 15   year fixed rate mortgage at 3.250 % originated in XXXX.
Product: Debt collection

Debt Recovery Solutions reported a medical bill in the amount of {$960.00} on my XXXX credit report without notifying me in XX/XX/XXXX. If they wouldve notified me, I wouldve had the chance to dispute the medical bill that is not mine. The same medical bill was disputed with XXXX in XXXX which was sold to Debt Recovery Solutions. As I stated in XXXX this medical bill is not mine and the billing error that occurred with the hospital is not my fault. Ive been with the same employer since XXXX and Ive always had medical insurance. Attached is a copy of the complaint that I filed in XXXX which has evidence that this bill is not mine and I would like it removed from my credit report and never reported again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX    a request for my credit was made by   XXXX   XXXX   XXXX  . This is an inquiry on my credit report that needs to be removed.
Product: Credit card

I received a credit card in the mail on XX/XX/year> from Bank of America that I did not apply for I tried calling on XX/XX/year> I Could not speak to a representative without giving them my account number. I tried entering the card number but that didn't work. I do not have an account with Bank of America. 
The bot then asked for my social security number to verify my identity which I refuse to give. The bot told me to try my call again later when I had the requested information and hung up on me, So, I am contacting you. 
I DID CHECK MY CREDIT REPORT THROUGH MY BANK AND SAW NO ACTIVITY, BUT DID NOT CHECK WITH THE ACTUAL CREDIT BUREAUS YET.
Product: Checking or savings account

I have been getting my direct deposits to cash app for a few years now when all of a sudden the morning of XX/XX/year> they closed my account the morning my direct deposit came in somehow putting me XXXX with XXXX in savings that I cant get out guy they canceled my card claimed they mailed my check to my employer wont give me a tracking number my employer called them with no luck for answers I have on multiple occasions all they say is I violated their terms but cant provide me with what I specifically violated when I know I havent this all leading to me being stuck out of town working with absolutely no money and Ive yet to know where my money went with no explanation I am very angry as I need my weeks worth of pay that basically got robbed says that Block , Inc. is federally regulated by the Consumer Financial Protection Bureau ( CFPB )???? Also how am I negative?
Product: Debt collection

I checked my credit report with XXXX and i noticed i have a collection accoutn being reported by XXXX XXXX XXXX I have no knowledge of this debt and i was not given a XXXX to dispute before this company placed it on my credit file