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

Innovis is reporting inaccuracies to my consumer report. My address is inaccurate also. Charge Off Accounts is a forgiven debt. Income can not be reported on my consumer report. 15 USC 1681 ( e ) B States ( 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. 

XXXX. XXXX XXXX XXXX Account Ending in ... XXXX ) Account Status : Reported as charged-off with a balance of {$340.00}.

Issue : I have not received a 1099-C form from this creditor for the cancelled debt. According to the IRS guidelines, a 1099-C should be issued for any debt over {$600.00} that has been canceled, discharged, or forgiven. The absence of this form has led to potential tax implications that I am not prepared to address.

Request : I request that you verify with the creditor that the 1099-C form has been issued for this account and provide me with proof that it was sent to my correct address. 

XXXX XXXX XXXX XXXX XXXXXXXX ( Account Ending in ... XXXX ) Account Status : Reported as charged-off with a balance of {$1300.00}. 
Issue : Like the account above, I have not received a 1099-C form for this account despite the debt being forgiven. The creditor has violated the IRS reporting requirements by failing to issue the form.

Request : Please confirm with the creditor that the 1099-C form was issued and provide documentation of this form being sent to me. 

XXXX XXXX XXXX XXXX XXXX XXXX  ( Account Ending in ... XXXX ) Account Status : Reported as charged-off with a balance of {$2600.00}. 
Issue : No 1099-C form has been issued for the canceled debt, which violates IRS regulations .

Request : I request confirmation that a 1099-C form was issued and sent to my correct address by this creditor. If not, this failure to report is a violation of both tax law and my rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Account Ending in ... XXXX ) Account Status : Reported as charged-off with a balance of {$2300.00}. 
Issue : There is no record of the required 1099-C form for this debt cancellation. This oversight has resulted in an inaccurate representation of my financial status.

Request : Please provide evidence that the 1099-C form was issued for this debt or request that the creditor issue the form immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX sent disputes letter asking to prove that I owed this debt. 

XX/XX/XXXX Sent method of verification, still no response. 

XX/XX/XXXX Sent final notice to prove that I owed this debt or gave consent. 

XX/XX/XXXX Sent letter stating that I will file complaint if I don't receive an response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX PHEAA filed a default on an administratively approved deferment, forgiveness and forebearance scheduled XX/XX/XXXX - XXXX XXXX The default is purposeful. It has caused my XXXX score to drop from XXXX in XXXX year. Today, My XXXX score it's XXXX XXXX XXXX XXXX, and XXXX XXXX at XXXX. The scores snd recordings of default has drawn suspicions of these inaccuraciesare to ground student who contact XXXX and report professor is not her Account XXXX the school assigned to students file. NDSL ( National Database for Student Loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was earned. The same professor mismanaged my loans she said the Top graduate named XXXX, on XX/XX/XXXX XXXX her transcript. She received honors appertaining to her academic excellence and strong leadership should have graduated on XX/XX/XXXX and diploma delivered. The professor unauthorized to manage my student loans said she isn't giving me nothing and called lawyer stating I must cease and desist. It's a FERPA, Title 4, and Title 6. 

XXXX. 
I. XXXX, My career sought as a XXXX XXXX XXXX XXXX XXXX in XXXX, is negatively impact from scam artists in my school who embezzled student loans, and invaded priacy of wxecutive acvount XXXX XXXX the assign loan officer of students financial aid. The student school records was an open portal to anyone which caused {$14000.00} an unrecognized distribution or an unknown scholarship the svhool did not want to pay. The student did not apply for loans so small. Its hate of me at the school because I called police on a professor who was a financial aid manager and she refused to reimburse the student missing money {$16000.00} and unauthorized money, {$14000.00}. The professor cashed on date XX/XX/XXXX {$14000.00} and paid outside of students scheduled loan distribution this money to another bank account the student didn't setup with school. Additionally, a refund check approved for graduation amount {$16000.00} description direct grad plus loan was compromised and sent back to lender causing student to be placed in default with XXXX XXXX and creditors. The professor apparently paid someone else or placed money in a bank account to use when conventient. 

The students Bank was at the time XXXX who sent student letters from fraud investigators that they had not received the loan deposit on distribution of FedLoan on scheduled date XX/XX/XXXX Amount {$16000.00}, nor an unauthorized loan student did not request possibly a scholarship the professor who disliked her did not want to pay dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts reporting on TransUnion with a company by the name of XXXX XXXX. I have never had any type of account with this company. I even tried to look it up on line and there is nothing that matches this company. I don't have any type of loan with them especially not 2 of them.
Product: Credit reporting or other personal consumer reports

XXXX5usc 1681a d2a1 under the exclusion session you are in violation for not removing the late payments and or account in entirety Attention XXXXtigation Department, As stated in case law XXXX vs Transunion XXXX and so many more ; there is a15usc 1681i violation. You have failed to properly investigate, and the inaccuracies & inconsistencies still exist well after 5 months. Remove the accounts listed or a Notarized Notice to file suit will be sent out on XX/XX/XXXX via certified mail. I will also expect remedy and compensation of the minimum lawfully owed {$1000.00} per violation. 

15 usc 1681n You are now also infringing on my rights.The denials that I have received since these errors, EVEN AFTER KNOWN DATA BREACHES, are hindering my growth in life. I'm due for compensation.
Product: Debt collection

In 2020 I settled a debt to XXXX XXXX XXXX, through XXXX XXXX XXXX XXXX... The XXXX XXXX XXXX shut this company down for fraudulent practices after I paid my debt..Now XXXX XXXX XXXX XXXX coming for me 3 years a debt collection company called XXXX XXXX saying I'm still liable for the debt and now they've added extra fees totalling XXXX dollars.
Product: Credit card

I requested paper statements. I have not received any since XX/XX/XXXX. My balance owed was approx {$5000.00}. This month XXXX I now owe approx {$6500.00} due to an interest charge of over {$1400.00}! 
I asked for a payoff statement with the correct payoff amount as of XXXX & my paper statements dated XX/XX/XXXX & XX/XX/XXXX. The online chat only allows computers generated generalized responses. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureaus are destroying my credit history unfairly and unjustified. 
Supposedly by a remark code, which was added to My XXXX XXXX Credit Card. 
I am being Penalized every Single Months for the Same Reason, Although the bank has Confirmed the Absence of Such Remark Code. 
They also Penalized Me With Amounts of Discounted Points, which I Never Receive, After having Resolved These Disputes With Credit Bureaus. 
The Dispute are Completed and resolved every Single Months, But They keep adding the Remark Code, Every Single Months. 
I Need Resolve the Issues, They are Destroying My Credit.
Product: Debt collection

Received a letter from Knight & Hooper PLLC stating that they they are hired to represent XXXX XXXX XXXX XXXX ( which is no longer in business in since XXXX ). A motion to extend judgement from judgement dated XX/XX/XXXX. I have never had any business with XXXX XXXX XXXX XXXX. The case is to be heard in General Sessions court on XX/XX/XXXX at XXXX XXXX   Docket number XXXX. My concerns are one that the debt ( if valid ) is older than 6 years old and according to the state of Tennessee is past the statute of limitations. Additionally XXXX XXXX XXXX XXXX is no longer in business. Lastly there are many complaints filed against this law firm for attempting to collect fraudulent debt. Knight & Hooper , PLLC XXXX XXXX XXXX XXXX Tn XXXX. I believe that this is fraud and attempt to get a individual to make payment to them while trying to use scare tactics and legal looking correspondence. Please investigate and contact me as soon as possible. I believe that this is a fraudulent attempt by a Lawyer firm that has had several complaints for this type of activity in the past to collect money from unaware consumers.
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 violates the Consumer Financial Protection Act. Specifically cash app failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act. These actions have caused significant inconvenience and financial loss. I seek appropriate resolution on this matter. Thanks.
Product: Checking or savings account

On XX/XX/XXXX, I received a welcome email from Chime ( XXXX ) about a new account opened in my name. I did not open an account with Chime nor have I ever heard of the company. On XX/XX/XXXX, I received a follow up email saying a card has been shipped to an old address of mine. I have them received multiple emails in the beginning of XXXX stating that money is being sent and received, but I do not know any of these people and I did not authorize any of these transactions. 

I am extremely concerned about what is going on and when I try to contact Chime, I am unable to get ahold of a representative for clarification.
Product: Debt collection

started receiving calls approximately a week ago from a company Called the XXXX XXXX located in California. Tel number ( XXXX ) XXXX from a XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX They are trying to collect a debt that they say i owe in the amount of over {$1000.00} which is not even close to the charge off amount by the bank. I contacted the bank today to find out that the account was sold to someone else. During this time, there has been possible fraud on my social security number and drivers license information all within the same time period. In the meantime, i have freezed all credit reports and placed a fraud alert on my records. 
They claim that i have been mailed collection letters which to date, i have not received and they also promised that they would send me an email to collect because they do not want to use paper because electronic files work best for them.
Product: Debt collection

Hurricane Harvey flooded the car out in XX/XX/XXXX, the insurance company considered car as " Total Loss '' in XXXX. The car was paid off with a balance owed of 1month, for deferred payment, and another part of {$160.00}. ( for putting the wrong part on car from previous accident ). 

After updating my history with KIA MOTORS, the account was still " opened '' on my report in " good standing '' as of XX/XX/XXXX. After requesting an update, they put my account as " Charge off '' and not paid since XXXX for over {$1800.00}. The insurance company sent a payout to KIA MOTORS on XX/XX/XXXX. 
This was a result of a NATIONAL DISASTER and i feel as though KIA MOTORS is taking advantage of a hardship that we all felt in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the following reply for CFPB Complaint # XXXX This complaint lists someone the company does not recognize as their customer or their customers authorized representative. Experians reply didnt make sense and was in error for that reply. Thus, I am resending the following complaint again -- -- -- - Experian is political like Washington and believes the American public isnt smart enough to know all of the attorney games. Experian is scared and following the guidelines of a typical game playing attorney who is out to lunch like the other attorneys running Washington into the ground. I couldnt work for Experian because I have much pride and self-respect. On Complaint # XXXX, I complained -- Experian gave my credit report to XXXX  XXXX XXXX XXXX on XX/XX/2017 without my permissible permission. It was used for a fraudulent loan but that is not the issue today. The issue is I did not give permissible permission for Experian to send out my personal information. Experian has repeatedly over the past 4+ years forwarded the complaint to XXXX XXXX XXXX XXXX who simply denies. However, Experian has accountability just like XXXX XXXX XXXX XXXX. I requested Experian research the permissible permission used by their client, XXXX XXXX XXXX XXXX. Send me what XXXX XXXX used to access my credit report from Experian because they didn't have my permissible permission and send this to me. This complaint is directed solely to Experian because they are holder of my information and released my information without my permission. Again, Experian needs to send explanation of why my information was sent without my permission. Experian replied - We've sent your complaint to the company, and we will let you know when they respond. And then replied - This complaint appears to be a duplicate of a complaint we've already received. We've included a reference to this complaint on that record. Same rhetoric for the last 4 years to play games. This is totally unacceptable and I will continue to repeat myself. Experian has the responsibility to release my information only with my permission. Where is the permissible permission? I have yet to receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information everything wrong, violates my hippa and cra acts must remove them asap destroying my life
Product: Debt collection

This incident was btought to yhe attention of EOS CCA. Who is now the XXXX creditor to attempt collection on this fraudulant collection. The company before them was XXXX XXXX. The original credit provider was XXXX whom never comunicated to me nor provided documentation of this false debt. This debt according to XXXX and XXXX was opened XX/XX/XXXX. My research after contacting EOS CCA was told that the account was originally established XX/XX/XXXX. Im certain that is against the law debt to place a debt in the hands of another debt collector let alone XXXX. I HAVE no idea why they are attempting collection without proper documentation to prove the validity of the collection attempt.
Product: Checking or savings account

I had a savings account with Chime with {$60000.00} in it. Chime said they were giving 1 % interest and that is why I opened the account. This was the first scam. They quickly cut their rate in half. Because I was not receiving the interest rate that I expected, I started transferring funds out of the account. Because I tried to transfer funds to my XXXX savings account, they closed my Chime account. My account has been suspended for a week and I have not had access to the money. I call them every single day. They tell me it will only be another day or two. I spoke to a supervisor named XXXX who promised I would have the account open either yesterday or today. I had to call again and I spoke with a supervisor named XXXX who was very rude. She told me that my account was closed. She would not tell me why. She would not let me update my address. She told me that in 30 days a check will be sent to an old address that I dont live at anymore. I need this money ASAP. This is my savings.
Product: Money transfer, virtual currency, or money service

The cashier did a mistake sending wire transfer in foreign currency and when this was returned I'm loosing almost XXXX dollars in conversion from pesos to dollars. 
Plus I need the credit for the payment of the wire fee. 
It will take 90 days to get my money back because of their mistake
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : with Transunion 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 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 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 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 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 ) However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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, credit repair services, or other personal consumer reports

I have disputed a debt multiple times including XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX via electronic and certified mail. Experian has maintained that the debt was " verified '' having sent no original contract, no signature, nothing of substance to validate this XXXX debt on my credit report belongs to me. In each of my written communication with Experian, I have requested that I receive an original contract from XXXX XXXX ( the company who placed this on my report ) I have not received anything. This is impeded my progress and ability to gain credit, job opportunity etc. 
Experian has maintained this debt was validated yet no proof was given, it has been over 120 days since my initial dispute.
Product: Credit card or prepaid card

I have a Chase Sapphire Preferred credit card with one of the benefit being a luggage delay insurance. 

The Baggage Delay benefit as outlined in the Guide to Benefits provides reimbursement for the emergency purchase of essential items, such as toiletries, clothing, and chargers for electronic devices ( limit one per device ), when [ the ] baggage is delayed while on an eligible trip. The maximum benefit is one hundred ( {$100.00} ) dollars per day up to a maximum of five ( XXXX ) days per claimant. Really very simple. 

My husband and I travel from XXXX XXXX via XXXX to XXXX. Two pieces of luggage were left behind in XXXX on XX/XX/XXXX. We arrived in XXXX on XX/XX/XXXX ; our bags were finally delivered to our hotel in XXXX on XX/XX/XXXX at XXXX. We left XXXX for XXXX on XX/XX/XXXX in the morning. 

I have filed a report with XXXX XXXX XXXX  on XX/XX/XXXX more than XXXX  months ago with all required information and documentation provided. 

Over weeks and months following the incident, I have emailed and requested status updates a total of XXXX times, called additional times only to either not hear back or be told that additional information was needed or to be told to be patient. The case was shown as pending online all along, no change of status here neither. 

I know others had mentioned that new requests for information or materials seem to be coming your way every few weeks or months. The last one was the request for the credit card statement listing the purchases we had to do while not having any luggage. I had first provided this statement on XX/XX/XXXX. I was asked for it again on XX/XX/XXXX. Ive resent it three times since. No reply. Also, the online status has since changed to closed. 

XXXX XXXX XXXX state in emails that they will review supplied documentation within XXXX business days and review correspondence within XXXX days, however that does obviously not occur. 

Half way through this process, I was also asked to provide a confirmation of the settlement with the airline that lost the luggage. 
An interesting request given that per their Guide to Benefits, this benefit is payable on an excess basis over and above any amount due from any other valid or collectible insurance or any other form of reimbursement payable by those responsible for the loss. 
Still, unable to argue with them, I provided that settlement confirmation from the airline on XX/XX/XXXX. 

Its been two months since, a total of XXXX  months after the incident, and no resolution. 

The way card members are being treated by Card Service Benefits is utterly outrageous. On top, this is a relatively small benefit to receive in the big scheme of things, and very straightforward. Its obviously just a clear tactic to delay payment in the hope that people eventually just give up and move on.
Product: Debt collection

Friday XXXX. XXXX Goldman Sach is dirty! 

If you dont pay them they can cause you to lose your home. 

Yes Im sorry but let account go to collections. So now. I must come up with {$4500.00} that compounds at XXXX and other fees $ per day until paid. XXXX XXXX sheriff told me. Goldman has had several different collectors and a new one will send a bill. 
I got another letter that said the sheriff has control of account. and they went into my bank savings account and took XXXX . Which was my mtg from my social security check.but because I dont have {$4500.00}. That they wanted. 
Ill be XXXX next month, a bit of XXXX XXXX XXXX, XXXX from XXXX. I get my ss check once a month which just pay the bills. Now Goldman and his sheriff took my mtg that had saved! Its like they dont care if I lose my home. 
Sorry I'm upset but it their aggressive collection procedures. Police At your door is soo embarrassing. 
Goldman is a Bad Company!!!
Product: Credit reporting or other personal consumer reports

I would like to report Experian, Equifax, TransUnion and any other agency where my credit report is reported to in accordance to US code.15usc1681. This is due to a data breach where my information was stolen. I would like any negative marks taken off my credit reports across all agencies due to this data breach as my right as a consumer and citizen of the United States. Thank you.