23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Consumer Financial Protection Bureau Online Portal RE : Accounts ending in : Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue with Goldman Sachs Apple Card concerning accounts that have been charged off. Goldman Sachs Apple Card has reported these charged-off accounts on my credit report as balances owed, despite having filed them as profit losses on their taxes. I have not received a Form 1099-C from Goldman Sachs Apple Card for these charged-off accounts. 

According to IRS regulations, when a creditor writes off a debt as a loss, they are required to furnish the debtor with a Form 1099-C to report the canceled debt as income. This allows the debtor to accurately report the income on their taxes. 

Goldman Sachs Apple Card 's failure to provide me with a 1099-C is concerning, as it prevents me from fulfilling my tax obligations correctly. I believe I am entitled to receive this form promptly so that I may include it in my tax filings. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), creditors are required to provide accurate information regarding debts. Incorrectly reporting a charged-off debt as an outstanding balance on my credit report while claiming a tax loss could constitute inaccurate reporting.

If Goldman Sachs Apple Card does not furnish me with the Form 1099-C or remove the accounts from my credit report due to inaccurate reporting promptly, I am prepared to pursue legal action for statutory damages. This situation is causing undue stress and financial uncertainty. 

I kindly request your assistance in directing Goldman Sachs Apple Card to fulfill their legal obligation by providing me with the necessary Form 1099-C for the charged-off accounts. Please advise me on how best to proceed in resolving this matter. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I received an email from XXXX XXXX a PayPal employee, email address, XXXX. Thanking me for my order of {$680.00} USD. Transaction ID XXXX!!, Confirmation Ref. # XXXX XXXX XXXX. I immediately responded and told them I did not order anything through PayPal, nor do I have an account with PayPal. I was then notified payment was made in full. I sent multiple emails to XXXX, Asking who ordered this product, what was the product, what country did come from, how was it paid, I have not received a single response from this person. I then sent an email to XXXX XXXX, president, andXXXX XXXX, CFO, I received a form letter response stating I did not have an account with PayPal, I already told them that, and as such they recommended I simply delete all of the correspondence from XXXX XXXX on my computer. I also sent the same complaint to customer service, they told me I had to have an account for them to respond. I firmly believe PayPal is hiding something, I gave them the transaction ID and the confirmation number, the amount in US dollars, date of the transfer, and they're telling me they will not investigate, but they do acknowledge the transaction was a fraud. I believe this was a fraudulent transaction, in PayPal is aware of it they made the transaction for their own best interest. I was told I do not have an account, if that is so how can they use my email address to complete a transaction in the amount of {$680.00} USD? I want to know what happened, and they are simply dismissing all of my requests.
Product: Credit reporting or other personal consumer reports

I'm unaware of this debt from XXXX ive made multiple attempts to try to resolve this issue it has Been removed form XXXX after they took a look a the facts, but the other XXXX are not complying with the laws put in place to protect consumers, and I also did not receive proper notification from XXXX. If they believe they have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature. '' or please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My bank card was used to buy a {$100.00} gift card without my authorization : XX/XX/16 XXXX XXXX- XXXX XX/XX/XXXX # XXXX PURCHASE XXXX XXXX- XXXX XXXX XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$1000.00} Account Name : XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1500.00} Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$1500.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$1500.00}
Product: Credit reporting or other personal consumer reports

I am not responsible for this account, as it belongs to someone else. Refuse to send proof because they have no proof this is not my account.
Product: Credit card

I have a Citibank credit card. I have paid my monthly balance in full. Citi policy states new balance on the credit statement must be paid in full in order not to be charge interest. Yet they have continue to charge my account interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : USDOEXXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report . Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, I have been challenging things on my credit. There are items on my report that are not mine. There are duplicate accounts shown for the same erroneous items. I have not received any response from the credit bureaus. It has been 7 months of me trying to get the incorrect items removed. The Dates of my most recent letters are below : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 There are 38 Inquiries on my Equifax that I have continuously asked to be removed. 
There are 25 Inquiries on my XXXX that I have continuously asked to be removed. 
There are 22 Inquiries on my XXXX that I have continuously asked to be removed. 

There are 3 Derogatory Marks on my Equifax that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX  : XXXX  XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

There are 3 Derogatory Marks on my XXXX  that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

There are 4 Derogatory Marks on my XXXX that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

I simply would like the Credit Bureaus to Uphold the law and delete these erroneous accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am A natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX, XXXX & Experian is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX, Experian, & XXXX written permission to furnish these accounts.

15 USC 1681 section 602 A States I have the ri

ght to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account wit
hout my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate In accordance to 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. 

Account name : XXXX ACCOUNT NUMBER XXXX has violated my rights Account name : XXXXXXXX  ACCOUNT NUMBER XXXX has violated my rights Account name : XXXX  ACCOUNT NUMBER XXXX has violated my rights
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is constantly trying to show they are working in good faith as it relates to our case. XXXX XXXX continues to show up. RIDICULOUS! 

I am uploading the last communication received which was XX/XX/XXXX. My spouse returned the call from a XXXX Representative named XXXX on XXXX XX/XX/XXXX. Her XXXX is full. 

In the attached documents you will find a schedule of payments XXXX said we made. We NEVER had an initial Loan with XXXX. This was a part of a XXXX Scheme coordinated by XXXX XXXX closing attorney who staged a fraudulent closing. 

It appears 2 loans were taken out in our name using our info and signature pasted. It was confirmed we did not receive a initial loan in XXXX, Again, how did XXXX XXXX pop up. We financed furniture through them ONLY. We know our information was used to complete applications for a Home Mortgage. I have uploaded the information. 

In addition, we received a scheduled of payments we SUPPOSELY MADE TO XXXX. We never the payments in the referenced attachment. 

This information was created by the submitted Fraudulent 1098 's we submitted to my Attorney XXXX XXXX XXXX who has sold us out OR MY WIFE 'S PREVIOUS XXXX TRUSTEE XXXX XXXX WHO STOLED ALL OF OUR ASSETS..HE DID NOT INVESTIGATE THE FRAUD, It appeared he sent the 1098 's to W/F and they created the Fraud Ledger. WE NEVER HAD A MORTGAGE WITH XXXX XXXX. WE NEVER HAD A MORTGAGE WITH ANY BANK. OUR MONEY., ID AND MORE WERE STOLEN! 

We know there are four additional persons of interest, We will not list the names for now.
Product: Mortgage

I signed up for this home buying program called NHBA= National Home buyers alliance. They present their program as if, they can get you approved to buy a home becasue they own their own bank. I was never told that I would have to go thur a more natural process in purchasing the home. One thing was XXXX said I would have to make sure that I pay all my bills on time without being late. I aim for that, each month. But my question was what if something happens and I have an emergency with my family and I am 30 days late. XXXX said " you would have to have 12 months of no late payments. I asked for my money back that I had paid into the program. She said there were no refunds and becasue I sign some forms stating I fully understood than, I could NOT have my money back. My issue is I did not read that I had to have 12 months of full on time payments before I could perceed. At this time, I asked them to freeze my account. It seems like a lot of money to pay just to get qualified for home purchase. Once I do what is asked of the program. NHBA has another hoop and more money asking from me. I see this as a predator leading from NHBA, it seems like they prey on citizens that are middle class and want better. If I would have know the fine details of this program, I would have never signed up for it. I wish to have my full refund of $ {$880.00} returned to me. And what kind of company can not furnish a receipt. I want receipts has well for what I have paid in to this program. If you do n't have a receipt than it 's not business. At this time, I demand a receipt and a refund. 
Thank you XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting

Many of the credit items and inquiries are not mine. I am and have been working XXXX since 2012. I have only opened XXXX account XXXX. I tried to dispute the other items but the credit agency said they are mine. Completely incorrect.
Product: Debt collection

I received a letter for debt collection from XXXX XXXX XXXX XXXX in XX/XX/XXXX for a parking ticket on a car that I do not own and a ticket that is not mine. In the letter they threatened to boot/tow my car if I do not pay them. I sent a letter to XXXX XXXX XXXX via certified mail on XX/XX/XXXX and was verified they received on XX/XX/XXXX, requesting for VALIDATION of debt made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I also asked for the name and address for the bonding agent of XXXX XXXX XXXX XXXX. My request was ignored and XXXX XXXX XXXX  XXXX continued their collection activity, sending me another letter, dated XX/XX/XXXX. Again requesting payment of ( unvalidated ) debt, threatening of action against my driver 's  license, and booting/towing of my vehicle.
Product: Mortgage

XX/XX/2023 My husband and I have a VA Home Loan and due to hardship we asked for a forbearance. We filled out the application over the phone with Bank of America. They said we didn't qualify because of having a VA home loan. If we had any other loan, we would have qualify. That is Veteran discriminations
Product: Checking or savings account

HELLO MY NAME IS XXXX XXXX XXXX XXXX, MY CHECKING ACCOUNT HAS BEEN RESTRICTED, FOR MORE THAN 6 MONTHS, DUE TO SOME CHECKS THAT I DEPOSITED IN MY ACCOUNT, THEY REQUESTED A NOTARIZED DOCUMENT FROM THE PERSON WHO MADE THE CHECKS AND THAT INFORMATION WAS ALREADY DELIVERED TO THE BANK 2 MONTHS AGO AND THEY DID NOT GIVE ME THE FUNDS, THEY ONLY TELL ME THAT THE BACK OFFICE MADE THE DECISION TO CLOSE MY ACCOUNTS, BUT THEY DID NOT GIVE ME MY MONEY WHAT IS HAPPENING.
Product: Credit card

Consistently, I've guaranteed punctual payments for this account, preventing any lapse in time. The causes behind mentions of tardy payments on my accounts remain uncertain to me. As per 15 USC 1666b - Billing Error, rectification should occur.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a CONTINUATION of complaint # XXXX with XXXX and XXXX XXXX vs Clear Path Lending. As of today, XX/XX/2020, we have CONTINUED TO RECEIVE mailings from Clear Path Lending, despite all the steps that we have taken to have them cease and desist their onslaught of unwanted marketing solicitations!!!!! 

What can a consumer do??? It's unnerving, really! The waste and unmitigated gall that they have promised in writing to you that they will not contact us and lied and still continue to clutter our lives with unsolicited marketing is a real concern to me as to whether they have any regard for authoritative limits at all. We have said, " Stop '' ; you have told them to stop, but have they? Evidently NOT!!! Are they above the law and conscience? 

PLEASE, what can we do to STOP these people??? If they are doing this to us, they are doing this to millions of other VA home owners, bless their hearts, and they don't deserve that either. No Veteran does.
Product: Student loan

I contacted XXXX XXXX XXXX ( XXXX  ) to inquire about my student loan debt, but they could not prove the amount. I asked for paperwork and it took a long time for them to supply it. In addition, a large portion was fees that were owed was payable to their company. In addition, in XX/XX/XXXX they agreed to forgo wage garnishment until I validated the debt. I received a notice of cancellation of garnishment in XX/XX/XXXXbut a notice of wage garnishment in XX/XX/XXXX. This is not enough time to research a decades-long debt. I was told to send an email to XXXX and I did. They stated that they received no such email. Finally, they did not offer any reasonable repayment amount as I am recovering from XXXX  and I only have a part-time XXXX XXXX position.
Product: Payday loan, title loan, personal loan, or advance loan

have had a loan on XX/XX/2023 I went on a payment plan of 30 weekly payments. I made the final payment on XX/XX/2023 of {$30.00}. I was told that I can re-loan after this is paid off. I decided to reach out to customer service to see what the waiting period is to reapply. I was told that I can reapply over the phone but I wont get the funds until XXXX to XXXX business days. I went to apply over the phone I was told that I was denied. I went to apply online. It said that I was approved for {$1200.00} and that I will get the funds by XX/XX/XXXX and the application online shows pending when I went to reach out to customer customer service I was told that I would get a call back. I never got a call back I try to reach out. I was told that I was denied but online it is saying that I have a pending application, I spoke with someone named XXXX and he told me that my application was denied and the only way since Im returning customer is to withdraw the application and wait 30 days or do an express application I just feel like as a returning customer customer that is unfair because I have made payments on time and then for me to just get denied and then being given the runaround is not fair at all I feel like this company takes advantage of people that are struggling and going through hard times. I received a call at XXXX XXXX  from Makwa finance and it was a voicemail was left. When I heard the voicemail, all I heard was background noise when I tried calling back at night, I get a call from Lendumo that is a completely different company I have made payments, and then I just turned around and get denied and just have my time wasted that is not fair at all. I have filed a complaint this morning XX/XX/2023 and attached screenshots to a complaint I submitted on XX/XX/2023 I have also checked the portal on Makwa finance and it said to claim 500 points and the application is pending and it says date funded XX/XX/2023 I will attach the screenshots I saw on the Makwa finance portal this evening
Product: Credit reporting or other personal consumer reports

I have attempted to resolve inaccuracies on my credit report by submitting disputes to TransUnion, XXXX, and XXXX, but they have failed to address the errors. The information remains incorrect, and I have not received sufficient documentation to verify the validity of the reported accounts. 
The following violations apply to this matter : 15 USC 1681i ( a ) ( 1 ) : This challenges the XXXX response time for investigating disputes, which was not followed in this case. 
15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) : This challenges the investigation protocol, as the credit bureaus did not conduct a proper investigation or provide evidence supporting the accuracy of the information.

15 USC 1681i ( a ) ( 5 ) ( B ) : This challenges reinsertions protocols, as the disputed information has continued to appear on my report without proper validation or notification of reinsertion.