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

I am submitting this complaint regarding the charge-off that XXXX XX/XX/XXXX has reported to Experian on my credit report. This is my fourth attempt to resolve this matter, and I have yet to receive a response from the bank to my previous complaints on this issue. 

The charge-off is inaccurately being reported by Experian as XXXXXX/XX/XXXX has failed to comply with their obligations under the law by not providing me with the required tax information after the charge-off. Specifically, under the Internal Revenue Code ( IRC ) and the Fair Credit Reporting Act ( FCRA ), if a financial institution reports a debt as charged off, they are obligated to issue a 1099-C form to the debtor.

FCRA Violations : According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute information on my credit report that is inaccurate or incomplete. XXXXXX/XX/XXXX is required to provide accurate information and, in this case, has failed to provide the necessary documentation, such as the 1099-C, for the charge-off. Their failure to do so has resulted in a misleading and incomplete report to Experian, which violates my rights under the FCRA.

IRS Reporting Obligations : Under 26 U.S.C. 6050P, a charge-off is considered canceled debt, and XXXX XX/XX/XXXX is obligated to issue a Form 1099-C, reporting the cancellation of debt. Since XXXXXX/XX/XXXX has failed to comply with these requirements and has not provided the necessary tax documentation, the reported charge-off remains inaccurate. 

As a result of the banks failure to provide this documentation, I am requesting the immediate removal of the charge-off from my Experian credit report. Since the information is inaccurate and incomplete due to XXXXXX/XX/XXXX 's failure to comply with federal regulations, I respectfully demand the correction of my credit report to reflect accurate and complete information, as required by law. 

If XXXXXX/XX/XXXX continues to fail to provide me with the necessary tax documentation, I will consider pursuing further action under 15 U.S.C. 1681n, which allows for damages if credit reporting violations are not addressed within the proper time frame.

Please consider this my formal request for the immediate removal of the charge-off from my credit report.

Thank you for your attention to this matter, and I look forward to your prompt response.
Product: Credit card or prepaid card

I LOCKED capital one XXXX XXXX ending in XXXX because I lost it and I did NOT want any unauthorized transactions or anybody to find the card and use it .the card was LOCKED on XX/XX/2022 so the response I received from capital one that they are investigating the charge of XXXX dollars from XXXX is NONSENSE since the card was locked and NO transactions should have went through .so capital-one needs to give me a permanent credit of XXXX dollars. 
A charge from XXXX for XXXX dollars to my capital one credit card was approved but it should have been declined because the card was LOCKED. The card has been locked for more than a month and NO transactions should have went through.. what kind of company that gives you the option to lock your card but then they approve any transaction while the card is locked. 
How did XXXX charge my card without my authorization and without me having the card and without me buying anything. This is all fraud by capital one and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$1600.00} XXXX  XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX/XXXX  Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Balance XXXX {$4400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XX/XX/XXXX  XXXX XXXX Inquired on XX/XX/XXXX  XXXX XXXX  Inquired on XX/XX/XXXX  XXXX XXXX  Inquired on XX/XX/XXXX  XXXX Inquired on XX/XX/XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After being on the phone with an agent that could not verify my information this account was almost 10 years old and they still were reporting it to my credit which was a violation of my consumer laws which after 7 years an account should not be still on my credit report. I paid the amount that the agent agreed and In writing, she agreed the account would be removed from my credit report not reported as closed this was a violation of the written agreement that me and the agent if this company both agreed to and now I will be escalating this problem to higher authorities for this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, I would like this item immediately investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide the name and business addresses of each individual with whom you verified the above so that I may follow up. Please send a copy of my credit report after your investigation.
Product: Debt collection

XXXX XXXX plus account # XXXX was sent to a collection agency named Harvest. The phone number for the collection agency Harvest was provided to me by a customer service  representative from XXXX, Ive called Harvest at this XXXX several times, no one answers the phone and it will ring until eventually going to a voicemail, voicemail message asks you to leave a message with your contact info and a brief description as to what the call is about. I have left several messages ( at least 8 ), I have included in my messages my contact info and the account info for which I am calling about. I have yet to receive a call back from Harvest. All I am trying to do is settle my debt and have the negative mark in my account deleted, and have Harvest report to the credit bureaus that my account is paid in full. I am baffled at the fact that it is so hard to get to speak with someone at Harvest or even to get a phone call returned.
Product: Credit reporting or other personal consumer reports

I was part of the data breach of the credit bureau. Ive tried resolving the issue with the credit reporting agency and Ive gotten no results. I have the right to make sure the information on my credit report is accurate. All inaccurate accounts need to be removed. FCRA 605B Credit reporting agency, ( a ) block information appearing on consumer credit report that is the result of identity theft and fraud no later than 4 business days after receiving complaint.
Product: Credit card

Credit line was opened and used XXXX time. After just having XXXX XXXX in XXXX, I got behind opening mail. Realized I was late making first payment for XXXX XXXXs acct. Set up account and paid in full, not just minimum payment due. Sent secure message to customer service explaining the mistake an asking for refund of fees as it was only paid XXXX days late and had paid in full including finance charge. They refunded late fee but only by half starting get refunded the late fee. Late fee is XXXX $ they refunded XXXX $ only. Have been emailing comenity bank thru carters and they won't refund full amount but are stating they credited the late fee.
Product: Credit reporting or other personal consumer reports

I recently got a copy of my credit report as I was recently denied for credit. As I was reviewing my credit, I noticed a few inaccuracies and would like your help in correcting these errors. There are some inquiries reporting that I have no knowledge of. I have NOT given the listed companies permission or consent to obtain a copy of my report. 
According to Section 604 FCRA, any company that acquires a copy of my credit report as to have permissible purpose or proof that I initiated an inquiry. Please send me communication from these companies of what they consider permissible purpose as I am deeply concerned about who has had access to my credit file. Credit reports are indicators of a consumers credit worthiness and mine is incorrect therefore resulting denials. This is damaging to my financial reputation. 
I also understand that written authorization for all inquiries listed must be documented and proven if reported. If you have NO proof or evidence with supporting documents, please have these deleted immediately. 
If concluded online or internet, please provide the IP Address associated with the authorized inquiry which I seem to have serious doubts it was done. 
I have also contacted the creditor in question and they claim they have NO proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide to me a permissible purpose or proof and now for me, this is a major concern. Because they do not have my proof of authorization, whether written or verbal, I am demanding you to kindly delete these inquiry ( s ) from my credit report of, because it is unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose. 
Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently. Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent ana address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces : was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Consumer Loan

Lowes XXXX XXXX XXXX calls every day demanding we pay in full on the phone today. Payments are set up in the computer and are taken out every 2 weeks. A payment was posted today ( XXXX ) and they still call demanding we pay in full now. We should not be getting phone calls if we have payments set up online to automatically to come out and see they have been coming out. The other problem is you talk to someone in XXXX who does not understand you, speaks broken XXXX and uses a fake name to represent themselves. No one looks at records until you are basically talking down them after tey have totally frustrated you.
Product: Checking or savings account

I am waiting over 8 days for a incoming XXXX  transfer and I have confirmation from the XXXX XXXX that it went through. However my funds has not come to discover checking account yet. I have made over XXXX calls and they say they can not do anything. They have said wait XXXX business days and today marks the XXXX and I still have not received the funds. I have sent pictures from my friends bank
Product: Debt collection

XXXX is trying to bill me for another persons account. I phoned the company and tried to resolve.
Product: Student loan

Note : it is now my understanding that my Sallie Mae FFEL student loans from XXXX, and consolidated in XXXX in to one loan with Navient ( formerly Sallie Mae XXXX XXXX are now considered " private '' ( and not Dept. of XXXX. ). 

On XX/XX/XXXX, I submitted to Navient an XXXX recertification application that included all XXXX YTD income information, with documentation and explanation. This documentation clearly identified an IRS Form XXXX Gross Income projection for XXXX ( " something less than {$17000.00} '' ), and a most recent XXXX detail of Form XXXX Gross Income ( averaging $ XXXX, which would project to just under $ XXXX ). Both of these yearly amounts are well below 150 % of the federal poverty level required for XXXX. 

In a letter from Navient dated XX/XX/XXXX, I was informed my XXXX recertification had been declined because my " financial circumstances do not meet the federal definition of 'partial financial hardship ' required for Income-based Repayment. '' This is clearly an error. 

Since, to no avail, I have had several communications with Navient XXXX XXXX XXXX XXXX XXXX XXXX to address this error. 

On XX/XX/XXXX, I filed a complaint with XXXX XXXX and only just learned in the last week that my Navient consolidated loan is considered private and not, apparently, under the purview of StudentAid/FSA ( hence, my filing a complaint with CFPB ). 

In a letter from Navient dated XX/XX/XXXX, I was informed that Navient had somehow determined my XXXX to be {$38000.00}!? ( hence, the recertification declination ). 

Your assistance is greatly desired/needed.
Product: Money transfer, virtual currency, or money service

my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant 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 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 vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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

I am writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered accounts that do not belong to me and are results of identity theft. These fraudulent accounts have already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. I contacted the companies associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed them from their records. Despite this, the accounts remain on my credit report with your bureau. The presence of these fraudulent accounts negatively impacts my credit history and could have serious consequences for my financial future. I request that you promptly investigate this matter and remove the fraudulent accounts from my credit report. 

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 XXXXXXXX
Product: Mortgage

I have tried to work with Bank of America my Servicer since XX/XX/XXXX. I have not been able to complete a loan modification due to XXXX Customer Relationship Managers and XXXX folks from the Office of the CEO for Bank of America. During a Loan Modification XX/XX/XXXX they removed my Customer Relationship Manager and sent my loan to Foreclosure. I sent in all the documents that were required. They lost my XXXX to reinstate my loan and took my 10 days to get them to find my money to reinstate my loan. I applied for a modification and Bank of America never returned my calls or worked with me. I have been in contact with someone from Bank of America 's Executive Department and he wo n't call me back since XXXX CST on XX/XX/XXXX. Today I have received a letter that I no longer have a dedicated Customer Relationship Manager and I have left multiple messages an NO ONE returns my phone call as I 'm trying to resolve this matter. The allonge to my note finally presented to me says I was sent into a securitization. I have asked my Investor, XXXX XXXX XXXX XXXX to provide me with a copy of the PSA and no response. The allonge to my note was endorsed by Countrywide Home by XXXX XXXX ... .with initials only and after contacting the Secretrary of State of California that is not her notorized signature transferring real estate only my note was initialled. I have offered to make arrangements to settle with Bank of America and the note holder for the Securitization with no response.
Product: Credit reporting or other personal consumer reports

ON DATES MENTION ON ATTACHED DOCUMENTS I XXXX XXXX XXXX DID NOT GIVE PERMISSION TO COMPANIES IN ATTACHED DOCUMENTS PERMISSION TO PULL MY CREDIT REPORT. THERE IS NO AGREEMENT WHERE I SIGNED THAT CAN PROVE I GAVE SAID COMPANIES TO PULL MY CREDIT REPORT. 
THIS WAS DONE WITHOUT MY KNOWLEDGE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of 2019 my husband disputed the balance of his XXXX credit card that I am a authorized user on due to the balance being incorrect. The company investigated and found their error and updated the balances with the credit bureaus. XXXX  and XXXX  updated the balance and still reports the card on my credit report. Transunion removed the information all together even though XXXX is still reporting the on time payments and the balances to them they are refusing to report it on my credit report. I called transunion at XXXX spoke with XXXX XXXX who stated that Transunion has an internal policy that they can not give consumers in writing that states if you are an authorized user on an account and it is disputed they remove it from your credit file. I believe this is a violation of the fait credit reporting act because if a creditor is reporting information to a credit bureau by law they are required to report it to my credit file. If that's the case I should be able to remove anything I want.
Product: Debt collection

Insta Credit Auto Mart has reported invalid information to all 3 major credit bureaus. ( XXXX, XXXX, and XXXX ) this action will constitute fraud under both federal and state laws. My vehicle has never been repossessed. My car has been refinanced through another lender. I reached out to INSTA- Credit Auto Mart they said they are to behind to deal with my problem. I wrote them a letter and they still have not responded. I will be sending them another letter XX/XX/2022 and pursuing legal action. My credit score has dropped tremendously since this fraud has taken place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX : XXXX... 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Debt collection

On Thursday, XX/XX/2021, I, the consumer and natural person, extended credit via my credit card ( social security card ) 15 U.S.C. 1602 ( l ) to SYNCHRONY BANK. SYNCHRONY BANK used my credit and I didn't receive any benefit which is a violation of 15 U.S.C. 1602 ( p ) for unauthorized use. As I read the terms and conditions, SYNCHRONY BANK did not conspicuously disclose my right of rescission under T.I.LA. 15 U.S.C. 1635 which holds them civilly liable under 15 U.S.C. 1640 and criminally liable under 15 U.S.C. 1611 along with a {$5000.00} fine. On Tuesday, XX/XX/2021, I sent my right of rescission along with a cease and desist letter under 15 U.S.C. 1692c ( c ). On XX/XX/2021, SYNCHRONY BANK sent me an e-mail requesting payment and they are currently still reporting on my consumer reports. These acts are violations to my cease and desist. Their reporting damaged my credit and caused me to be denied for a personal grantor business credit card from XXXX XXXX XXXX XXXX. SYNCHRONY BANK provided a monthly statement with a positive balance. The positive balance is a misleading representation. They attempted to collect a debt on my credit that I provided to them. I have sent an Affidavit of Truth with all of the facts and exhibits. I demand remedy for all injury against the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called equifax numerous times. Remove these accounts and inquiries as they are unauthorized and without my consent.