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

Subject : Dispute Regarding Best Buy/CBNA Not Issuing a XXXX After Debt Charge-Off Dear Sir/Madam, I am writing to file a formal complaint regarding Best Buy/CBNA ( Citibank ) failing to issue a XXXX form after they XXXX off my debt. The account in question is associated with my Best Buy/CBNA Account Number [ XXXX ], and the debt was charged off in [ XXXX XXXX ]. 

As per the IRS guidelines, when a creditor cancels or forgives a debt of {$XXXX} or more, they are required to issue a Form XXXX to the borrower, reporting the amount of the canceled debt as income. However, despite the fact that my debt was charged off, I have not received a XXXX form for tax reporting purposes for the year in which the charge-off occurred. 

I have made multiple attempts to resolve this issue directly with Best Buy/CBNA 's customer service and collections department, but I have not received any communication from them, nor any action taken to issue the required form. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that Best Buy/CBNA complies with the IRS regulations by issuing the required XXXX form for the canceled debt.
Product: Checking or savings account

Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Bank of America sent the following letter after three unauthorized XXXX transaction of {$500.00}, {$1500.00}, and {$1500.00}. These transactions were made using my phone number which was stolen and ported to another cellular provider. 

I believe this is a violation of Regulation E and meet the definition of a fraudulent transaction.

The attached letter says I provided information to Bank of America about this claim. This is untrue as I did not provide any input for this claim.

BANK OF AMERICA LETTER : Our research included the information you provided with your claim, your account history, the monthly account statements we sent you and any other relevant information we may have regarding your claim.

We made this decision because : We confirmed that the transfer posted to the account you requested. We recommend you contact the person you sent the funds to directly for further assistance. Since we completed the transfer ( s ) according to the instructions you provided us, no error occurred. Based on this, your account wont be credited.

Were here to help You have the right to request the documents we relied on in making our determination. If you would like a c opy of those documents, please call us at XXXX, Monday through Friday, XXXX XXXX to XXXX XXXX XXXXXXXX. Please have your claim number available when you call. 
Thank you for your patience during our review
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I, XXXX XXXX, never gave ( Experian, any verbal or written consent to report anything on my consumer report. 

No consent is Identity Theft. The reporting of such inforation has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household puroses. 

You and your reporting have damaged my livelihood. I have been stressed out and depressed beyond measure to the point where it is hard to cope.

A copy of the law is attached in this dispute.

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

As a consumer, I am demanding a deletion of the following accounts in 10 days or less. 

Reporting Agency Account Number -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Reporting Agency Account # -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXXXXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX  XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXXXXXX XXXX XXXXXXXX -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --. 

XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Kind regards, XXXX XXXX
Product: Mortgage

We sold our home in XXXX on XX/XX/XXXX, mortgage loan balance was paid in full to Community Loan Servicing LLC. There is an escrow balance of {$5000.00} that is due me that I have been unable to collect. I first called company around XX/XX/XXXX and was told my check was mailed on XXXX, but was sent to the XXXX XXXX. I never received the check even though I did have my mail being forwarded. I tried calling several times but had a very difficult time getting through to anyone. On XX/XX/XXXX I reached someone that updated my new address and tried to get me through to the customer advocate team. No one answered & I was prompted to leave my call back number, which I did but never got a call back. I called again on XX/XX/XXXX and was told a new check was issued and MAILED on XX/XX/XXXX to my current address & to give it 5 business days to arrive. Today is XX/XX/XXXX and no check. I just called again and was told there was no 2nd check sent because they still had to put a stop payment on the 1st one, they would send a new check in 5-7 daysBUT they probably wont be able to because my loan was sold to a new company and as of XX/XX/XXXX I would have to deal with them! I have been lied to repeatedly and I want my money due me. Please help!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX INQUIRIES : 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
Product: Mortgage

I have opened an Equity Line of Credit with Bank of America about 2 years ago. I live in NJ, so the local laws state that the bank can not impose a prepayment penalty on any mortgage loan. When I was signing the HELOC contract the bank included a statement that if the line is closed within 3 years I would be subject to the prepayment penalty of {$450.00}. I questioned that statement and asked the officer to remove it but the closing officer told me that the bank has standard closing forms for all the states and it does not alter it for the individual states. However, when the issue arise they abide the local laws, so in NJ the prepayment penalty would not apply. I signed the contract without further insisting on changing that part. Recently, I negotiated a better mortgage rate and decided to refinance my mortgage. In the process, I did not have an option to keep my HELOC with BoA open, so it was required to be closed. As a result, BoA charged me {$450.00} of the prepayment penalty. I contacted BoA and explained that I 'm being penalized for refinancing my mortgage. I pointed out that in NJ the banks are not allowed to charge the prepayment penalties but in response the BoA representative told me that in their opinion the definition of mortgage loan in NJ law provides enough gray area that they do not feel the laws would apply to HELOC. I explained that HELOC meets a full definition of a mortgage loan:1. A loan secured by a lien on the property. 
2. The document specifying the terms and conditions of the repayment of such a loan. 
3. The repayment obligation associated with such a loan4. The lien on the property associated with such a loan. 
BoA has been avoiding my calls. I spoke with the branch manager but as he said " did not want to get involved '' and referred me to the central HELOC Department, which is the same Dept that has been refusing to refund the prepayment penalty they charged me. 
I will greatly appreciate your assistance.
Product: Vehicle loan or lease

I got a loan from Bridgecrest the car was from XXXX XXXX in XX/XX/XXXX. Everything was going great until the pandemic hit. I was a month behind, but that was because I lost my job and the pandemic hit and could not get a job. Everything was locked down. Rewind, I started to get unemployment. I was paid my note I was no longer past due. Then a new set of issues arose. I worked for an app company that was just released in my small town. It was slow at first. I was no longer getting the pay I was getting before I didn't make my agreement but kept the company updated on my situation. On XX/XX/XXXX they came and repossessed my car. I was embarrassed. I was humiliated. I put a lot of money into the car. Technically the car was paid for they charged me a higher interest rate which. I was getting offers to pay lower rates. The car would have been paid for. But they have already sold the car. And they have reported on my credit report that I still owe them a balance. They also have been reporting through the pandemic which brought my credit score down. I worked hard to get my score up to XXXX within a year and within three months after the pandemic they reported on my credit and it is now XXXX and it was lower than that. I would like for them to take the negative marks off my credit and compensation for pain and suffering. I lost my job due to not being able to work because I lost my vehicle due to this companies insensitivity during this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing presently in wish to gain your help. Presently I am working on examining my credit, paying down my balances, and pursuing greater credit worthiness. You play a very important part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX  and XXXX ) on XX/XX/2017 and I am submitting this in order to have this remark took back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
Product: Debt collection

this company called me out of the blue and said i owed wells fargo {$490.00} from 2016. 

I am not aware of this debt nor has it ever appeared on my credit report. 

they say i have 48 hours to pay or they will take me to court and i'll have to pay thousands of dollars. 

they say they are XXXX XXXX 

they also send me an email which says it is from XXXX XXXX XXXX XXXX and came from the email address XXXX Phone : XXXX fax : XXXX when i googled them, only scams come up and neither XXXX nor XXXX XXXX appear anywhere else. 

they have my full social security number and name and address. they also provided me a wells fargo account number that i've never had and an email address i've never had. 

they refused to provide an address for their company and they couldn't provide a validation notice because they said they are a mediation firm and after 48 hours it would go to legal proceedings. 

i contacted wells fargo and they do not know anything about this. 

i'm concerned that they have my ssn. 

if it is real, i'll pay it, but they can't prove it is real and i don't know what to do as i don't want to owe thousands more as they threatened if i don't pay by tomorrow.
Product: Credit reporting or other personal consumer reports

This is not my account you ; re violating my rights, no proof of validation has been submitted to me XXXX  - XXXX -- U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 5 us code 1692j - furnishing certain forms- It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. 

XXXX  - XXXX +- U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 5 us code 1692j - furnishing certain forms- It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. 

XXXX XXXX  - XXXX - 15 U.S. Code 1681q - Obtaining information under false pretenses- Please Delete.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I am writing to formally dispute an unauthorized inquiry that appears on my credit report. According to 15 U.S.C. 1681b, consumer reporting agencies may only furnish credit reports under specific circumstances and with the explicit authorization of the consumer. I did not authorize the following inquiry, and therefore, it should be removed from my report. 
The inclusion of this unauthorized inquiry violates several laws that protect my personal information and ensure the accuracy of my credit report. Specifically, the following laws apply : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations can have a significant negative impact on my creditworthiness and financial standing. I request that you take immediate action to investigate and remove the unauthorized inquiry from my credit report. 

To support my request, I have attached a copy of my identification and proof of address. Once the inquiry has been removed, please send me a copy of my updated credit report reflecting the correction. 

Thank you for your prompt attention and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have Reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XXXX & XX/XX/XXXX & XX/XX/XXXX. Please investiagte and provided proof with statements showing that these were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :
Product: Credit card or prepaid card

Synchrony Credit for XXXX XXXX credit card is an absolute disgrace and beneath standards of basic business. They ripped me off on promised rewards. They don't provide accurate itemized statements. Only summaries. They email my certificates with their hundreds of ads emails per month subjecting it to the risk of being stolen and won't stop it or give me the ability to stop it. I tried to call them and have limited phone minutes. It takes 10 minutes to get a person through their horrible recorded phone system. I entered my private info and then the person who comes on has no idea of what I entered and plays dumb. I wait even more they have no idea about the program or what I am due. I was put on hold and waited another 20 minutes and got nothing out of it. Then I called the next day went through endless loop of recordings and talking to the recording and waiting and waiting. Then I ask and some so called manager comes on after I demanded her and she is even dumber than the rep. She asked me for 3 private info. I gave it to her and she kept asking even more and more to 5 and still didn't help me. I am giving all my private info. over an insecure phone subjecting me to even more risk. There website says it has chat which is a lie because it is only a search bar for help yourself. These companies are getting away with horrible crime by issuing accounts and not providing basic reasonable and useful service for customers! They promise promotions and do not deliver or fulfill them! I returned an item to XXXX XXXX and they were suppose to give me back the amount of the rewards I paid with. They shorted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to remove  XXXX  accounts on my credit report that do not belong to me. I have personally contacted the creditors at Equifax 's request and they have each individually confirmed my concern that Equifax is reporting someone else 's information on my credit. I am filing this complaint because Equifax is reporting someone else 's accounts on my report and they are refusing to remove these items. The following accounts need to be deleted from my credit report immediately :  XXXX   XXXX  with account number "  XXXX  '' ;   XXXX   XXXX    with account number "  XXXX  '' ; I have never had accounts with these companies and they are telling me that my personal information does not match the details they have for the  XXXX  in their database. This is making things more difficult because since I am not the right  XXXX , it is against their policies to send me additional information about these accounts. I am being given the run around by Equifax and these companies and I feel stuck and do not know what else to do.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I completed a preapproval application for a loan with XXXX XXXX. This had no credit impact so I decided to apply. At that time the company told me I was preapproved for a unsecured loan and a secured loan. I moved forward with the unsecured preapproval option and was approved for the unsecured loan. I was prompted via the website to add my income verification documents and identification for final approval of my loan. After submitted the documentation and verification I was called and told that my loan option had been switched to only a secured loan using my vehicle as collateral. If this would have been stated initially I would never have proceeded with the application which resulted with a hard inquiry on my credit report. It's clear that XXXX never intended to provide me with a unsecured loan. The only goal was to use it as bait to offer we a secured loan. The preapproval for the unsecured loan was false and issued in bad faith as a sales tactic. As a result, I want the credit inquiry from XXXX XXXX on XX/XX/2022 removed from all 3 credit reporting agencies. If XXXX would not have issued a false preapproval for the unsecured loan I would have never applied in the first place. The false preapproval was issued in the hopes that I would accept the secured loan which they attempt to pressure you into taking after you decline it several times.
Product: Credit reporting or other personal consumer reports

Nothing happened, I never received any information from them.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 that need to be investigated and corrected 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 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