23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

When I was approved to the loan 2 years ago I didn't have good credit and wasn't making a lot of money but the bank still approved me for the loan with a high interest rate knowing that at some point I wouldn't be able to keep up with the payments. Now that I'm out of work I can't afford my monthly payments and my credit score has decrease. I believe the bank did this on purpose so that they can capitalize of the negitive equity as Preditory Lending.
Product: Debt collection

I am writing to express my concerns and seek guidance regarding an issue I am experiencing with a creditor who has charged off my debt. I have requested a 1099-C form, which is required for tax purposes, but the response I received from the creditor has left me uncertain about the next steps I should take. 

On XX/XX/year>, I formally requested a 1099-C form from Navy Federal Credit Union to properly report the cancellation of debt income on my tax return. Subsequently, I received an email from Navy Federal Credit Union stating that the charge-off is considered a loss for them. This response has caused confusion, as it does not clearly address my request for the 1099-C form. 

A charge-off occurs when a credit card issuer writes off a debt as uncollectible, and they no longer consider the debt as an asset. I have read if you settle your debt after a charge-off, the creditor is required to issue a 1099-C form if the amount paid to the creditor or collector includes a savings off the balance of {$600.00} or more. The 1099-C form filed by the creditor is usually the trigger for the Internal Revenue Service to notify you of taxes due on the forgiven debt. Additionally, the lender will likely issue a 1099-C tax form to the debtor and receive a corresponding tax deduction for the uncollectable amount. 

I understand that, under the Internal Revenue Code, creditors are generally required to issue a 1099-C form for cancelled debts of {$600.00} or more. However, the email I received from Navy Federal Credit Union did not provide the necessary documentation, leaving me unsure of my obligations and how to proceed. 

Additionally, I am aware that there are specific consumer protection laws related to charge-offs and the handling of cancelled debt. According to the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer laws, creditors are obligated to provide accurate information and comply with reporting requirements. The lack of a 1099-C form and the ambiguous communication I received may potentially violate these provisions, and it has created undue stress and confusion for me.

Given these circumstances, I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to help resolve this matter. Specifically, I would like guidance on the following : How should I proceed if a creditor refuses or fails to provide a 1099-C form after a charge-off?

What are my rights under consumer protection laws regarding the issuance of a 1099-C form and the proper handling of charge-offs? 

What steps can I take to ensure compliance from the creditor and to protect myself from any potential legal or financial repercussions? 

I appreciate your time and attention to this matter and look forward to your guidance. 

Please let me know if there are any additional details or documentation required to facilitate your investigation and assistance. 

Thank you for your help. 

Sincerely, XXXX
Product: Debt collection

Quest Legal Group XXXX XXXX XXXX # XXXX XXXX XXXX, Ca XXXX They contacted me through the mail trying to collect on a debt saying I owed " XXXX '' XXXX, with fees, now XXXX. They threatened a lawsuit, threatened to run a hard inquiry on my credit to harm my credit. Threatened to subpoena my XXXX XXXX to testify against me in trial. To have me served by the sheriffs office to appear in civil court. 

I have never taken out this debt. So this seems to be fraudulent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I tried to apply for a car loan but to my surprise I was denied because of false inaccurate reports on my consumer report. I have acquired a copy of my consumer report on XX/XX/2022 and to my surprise Experian was reporting FALSE INACCURATE information to my consumer report by marking an account in collections as " open '' and by having inaccurate balances. I disputed This inaccurate information with Experian nicely asking to remove the account for negligence and for violating my FCRA rights under 15 USC 1681 ( a ). 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681e ( e ) ( 2 ), 15 USC 1681a ( d ) and Experian is currently RE-AGING this account which is a violation of FCRA sec.605. On XX/XX/2022 They responded by " UPDATING '' the account and balance instead of removing it. THIS IS FRAUDULENT AND ILLAGAL UNLESS EXPERIAN CAN SUMBIT MY PAYMENTS RECIPTS FOR THIS ACCOUNT. PLEASE REVIEW MY CONSUMER REPORTS FROM DATES OF XXXX TO SEE EXPERIAN HAS NOT VALIDATED THIS ACCOUNT AND HAS BEEN VIOLATING MY RIGHTS UNER FCRA SEC. 605 RE-AGING DEBT! I AM ENTITLED TO A 100 % ACCURATE REPORT AND THIS IS FALSE
Product: Credit reporting or other personal consumer reports

This is my XXXX 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9400.00} XXXX  XXXX  XXXX Balance : {$480.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX account that show paid off but they show late payments and also shows repossession but pay in full never had late payments nor repossession if it was reposed I would of never paid it off completely it wouldn't be in my possession. 
Please update the payments to paid as agreed and remove that repossession. 
Account info Account name XXXX XXXX XXXX Account number XXXX Payment history guide XXXX  days past due as of XXXX XXXX XXXX days past due as of XX/XX/XXXX, XXXX XXXX XXXX days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX  days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Repossession as of XX/XX/XXXX XXXX
Product: Mortgage

On XX/XX/2019, my wife XXXX and I closed on our house at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. We worked with our lender to XXXX XXXX XXXX to ensure they understood that my wife is XXXX from the XXXX XXXX after 20 years of service and is considered XXXX XXXX XXXX by the Department of Veterans Affairs. In the state of TX which we are residents of XXXX XXXX  XXXX veterans are exempt from property taxes. We supplied all the necessary information to XXXX XXXX and they did not require a monthly payment into escrow as exhibited by our first payment coupon for loan number XXXX,. In addition, we received at closing our monthly payment letter from XXXX XXXX stipulating our monthly payment would be {$1900.00} consistent with our payment coupon. We have subsequently applied to the XXXX County Tax Assessors office for our tax exemption on the property listed as XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Our first payment was sent to XXXX XXXX and in the process, we were notified via mail that our loan had been sold to US Bank. Upon notification, we called the US Bank as the monthly mortgage went up by {$1000.00} per month from the documentation cited above. US Bank stated they would look into this and contact XXXX County Texas Tax Assessors Office. We made our XX/XX/2019 payment to US Bank in the amount cited in the documents cited above. On XX/XX/2019 we received a call from a collections agency stating our home was being foreclosed upon without any notice from US Bank. In addition, we have received no notification from US Bank into the resolution of our escrow issue. US Bank has not applied minimal if any monies to our principal account and is showing us in delinquent in our payments. Furthermore US Bank has not made any attempt to contact us regarding our mortgage as we are under the impression from closing that our payments are {$1900.00}.
Product: Money transfer, virtual currency, or money service

I ordered a cashier 's check on USAA mobile app on XX/XX/XXXX for XXXX $ and requested it be mailed to XXXX XXXX XXXX XXXX XXXX XXXX MO. USAA mailed XXXX $ check in a USPS 3 day priority envelope only insurable to XXXX $ to XXXX XXXX XXXX instead. The envelope was delivered on XX/XX/XXXX and has not been cashed yet per my inquiry today. USAA refused to admit fault! I am in horrible financial strain now due to their negligence. Tracking # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My last FICO  score was XXXX and I can't understand why is not the maximum of 850 or somewhere in that range. My total availability of credit is {$58000.00} and my average monthly use is usually less than 10 % of that or {$6000.00}, in addition, I recently paid off the balance of a lease to XXXX in the amount of {$13000.00} and I do not have any other large balances pending, my current total of use at this particular moment is exactly {$1200.00} which is 2.13 % of my total availability of {$58000.00}. Perhaps someone could explain to me what is going on.
Product: Credit card or prepaid card

Restriction on credit card need to be remove ; I have been a member of Capital One for 7 years. I do understand that I have be late on my payment due to losing my job on XX/XX/XXXX when Covid-19 happen. I had to wait to sale my house to get some money so I can make the payment. On XXXX XXXX a representative named XXXX told me about a payment plan to enroll so for {$260.00} but on the same day I call Capital One back and spoke with another representative named XXXX to cancel because being unemployed there is no way I could make a payment for 9 consecutive months. I have made a payment for XXXX to bring the account under the limit on XXXX XXXX with XXXX, I callback to speak with XXXX who stated that she have the restriction if I make the payment for XXXX on XX/XX/XXXX I made that payment on XX/XX/XXXX and then I spoke with XXXX on XXXX XXXX she said I had to make 3 payments so I made another payment for {$250.00}. She told me that it will take 7 days for the restriction to remove which is observed when I trying to pay the balance down.
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 XXXXXX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my whole car stolen with All my information inside & some how after putting the XXXX XXXX protection. Plan the thieves are still using my social security number and name to open bank accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been investigating my own credit reporting accounts myself after getting generic responses from them and the lack of investigation on their parts. I was receiving berries when I clearly knew the account was fraud, paid or inaccurate and reporting inaccurately continuously with no proof of debt validation required by Federal Law. They never stated how, they got the information either. Just falsely reports. I took matters in my own hands and now the COMPANY that stated I had a debt even requests removal! This is how I became very suspect and frustrated at the credit reporting agency inaccuracies. I know am about to file small claims court if the other accounts are not fixed I investigated and found not accurate either! Also an account was paid off and reporting inaccuracies that Im late! Proof attached! 

They have report XXXX XXXX  Account and this account is not even mine. The company themselves stated the social security number they have isnt even mine so how are they not removing this inaccurate account? 
XXXX  XXXX  was already contacted by the original creditor to remove the accounts XXXX XXXX  was found inaccurate and reported this Experian found inaccurate XXXX XXXX was a medial bill in HIPPA Violation and removed from all credit reports but XXXX  XXXX was found inaccurate only XXXX reports this account XXXX  XXXX  XXXX was paid off trains in full and on time Experian - hasnt update files since XX/XX/2020 Still didnt remove inquires that were not authorized by me and inaccuracies reported XXXX just update but still reporting a medial bull that the XXXX XXXX asked to remove themselves because they were in HIPPA violation and all agencies removed but XXXX  XXXX - Continues to report inaccuracies and also sends same generic report responses They have not removed all the credit inquires I send to them that were not authorized by me They are all inconsistent and not reporting accurate. They are not reporting debt validation. Its been over 120 days since I have provided proof on all these accounts inaccurate. 


This is my final attempt to have the agencies do their jobs by law and protecting my rights and credit with all these inconsistencies and inaccuracies. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO KNOWLEDGE OF THIS ACCOUNT. I have been in contact with furnisher and no information have been provided, pursuant to North Carolinas Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belongs to me legally.
Product: Credit reporting or other personal consumer reports

I looked at my report to check on the update on my request to remove the inaccurate and fraud information from my credit reports. To my surprise, a new fraud account has been added. Please help me remove this fraud account along with the others from my previous complaint. XXXX - XXXX XXXX  - XXXX - XX/XX/XXXX This is not mine. I am writing to report a case of identity theft and fraudulent hard inquiries that are still showing on my credit report with XXXX and XXXX, despite my efforts to have them removed. I sent out my letter on XX/XX/XXXX. However, to this date ( XX/XX/XXXX ), the fraudulent accounts, information, and hard inquiries have not been removed from my credit report. I have contacted all bureaus multiple times, but their agents have not been able to provide a satisfactory resolution. Each time I call, I receive different answers, and the problem remains unresolved. I have even sent my IDs to them, but they have not listened to my request to remove the hard inquiries. Please remove the fraud accounts and inquiries from my report. Fraud names to be removed : XXXX XXXX, XXXX XXXX. Fraud accounts to be removed : XXXX XXXX XXXX - XX/XX/XXXX. Fraud inquiries to be removed : XXXX XXXX XXXX - XX/XX/XXXX, XXXX  XXXX XXXX - XX/XX/XXXX This is also inaccurate. Please update the status to 'Never late '. I was never late for this. I have tried my best to be a responsible consumer and parent. This is just unacceptable. Please update. I never authorized for this to report. This is personal and should never even be on my reports. OFFICE OF THE ATTY GENER - XXXX - XX/XX/XXXX, ATTORNEY GENERAL-XXXX  - XXXX - XX/XX/XXXX. I have attached to this request the same FTC report that I sent to them, along with my ID and proof of address. I would appreciate it if you could take immediate action to have these fraudulent inquiries removed from my credit report. XXXX : XXXX
Product: Checking or savings account

I have a CD that matured as of XXXX - XXXX. The bank involved did not send me information about maturity and I recently stumbled onto the receipts. When I brought them forward to the banks involved, the indicated that they had no record and were unable to help me despite my receipts and account numbers. 

The banks involved included : XXXX, maturity date : XX/XX/XXXX - {$2500.00} XXXX XXXX, maturity date XX/XX/XXXX - {$2700.00} I have official copies of everything. Thank you for your help. 
XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Mortgage

My complaint is with Truist bank. During COVID I was in a forebearance. When the time came to decide what to do at the end of forebearance, the customer service representatives I spoke with were completely unable to verify any of the financial details I was asking for including what my options were - how much interest I would be paying over the life of the loan in each case. At the same time, they would get frustrated that I was asking questions that they clearly did not have the financial prowess to respond to. It was a very frustrating experience. I continue to call up and ask questions that they do not know how to answer. I find that I now have no outlet to get questions answered about my loan and I am extremely dissatisfied with the customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, XXXX XXXX XXXX XXXX pulled my Credit without my knowledge of it going against my credit as an affect against my score. I didnt know opening a account would affect my credit
Product: Checking or savings account

I have had an account with 5th/3rd bank for a number of years ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX ) and recently have had issues with them holding deposits for an excessive time. First time that happened was a check from retirement over {$10000.00} which I understood a hold even though that caused a sever hardship. This time they are holding a {$3700.00} deposited to account number XXXX that was processed on XX/XX/XXXX. I placed a call to their consumer services number ( XXXX on XX/XX/23 ) and they have stated that the Federal Reserve has put a hold on my check and that there was nothing they could do about that. That I have learned is not true at all from the Federal Reserve. I currently work for a company in XXXX and actually worked for them before the pandemic and used this same institution but eventually was laid off due to XXXX XXXX. I am now back for working for the same company and I deposited my first XXXX ( live ) check thru a XXXX deposit without issue ( XX/XX/XXXX for {$3800.00} and XX/XX/XXXX for {$1800.00} ). This last check processed on XX/XX/XXXX is being held until XX/XX/XXXX and has put me in a hardship position for paying my bills on time. How can I count on the fact that as soon as my direct deposit starts ( probably next week ) will not have a hold placed on it?
Product: Credit reporting or other personal consumer reports

First Due date payment was XX/XX/XXXX. 
I made the payment via over the phone with a rep & i made a second payment that same day on the Kohls Credit card website. Payment 1 was {$35.00} and Payment 2 was {$30.00} I also made a 3rd payment on XX/XX/XXXX for {$58.00}. 
7 days later ( XX/XX/XXXX ) these payments are shown as " reversed '' on the Kohls Credit Card website. 

I was notified via text in XXXX, from Kohls that I had a payment past due, I called and was told they would reverse the late fee and took a payment over the phone with the rep ( this is now the XXXX payment made ) The payment was approved/accepted and moved on. 

7 days later ( XX/XX/XXXX ), the XXXX payment shows as reversed on the kohls credit card website. 

I received another text about my payment being past due. 

I called and asked why these reversals were happening. 
The rep was very unhelpful in that regard. He said i had to have entered the wrong information in. He was more focused on getting a payment. I told him I would not be doing a payment over the phone again and that i would do it in person at the actual store with my debit card. I told him I would pay it in full. Then asked to have the late removed and he said he would only do that if I made the payment that day. Which is exactly what i did. 
I paid the full amount that day. I was told over the phone i would NOT get a ding on my credit report over this. Kohls has not provided me any of the account information i entered supposedly wrong. All I have been told is that they would do an investigation and let me know within 30 days. I have tried calling NUMEROUS times to speak to supervisors, to get an explanation why these payments kept reversing. 

I get hung up on, or talked over, one time i called, and i was told i had to speak to the fraud department and they wanted to confirm that I made the purchases only my card. Then she unlocked my card. Which i had no clue was even locked to begin with. I told her that's not even why I called, and she acted like she no clue what i was even talking about in regard to my issue. 

She transferred me to the collections department, and I sat on hold for 15+ minutes before being hung up on. 

So here i am, with no answers still. Kohls has been treating this whole ordeal extremely poorly. 

Also, not once when i made any of these payments did i get notified that they were denied.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXX late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$250000.00} - late/Open XXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance Owed : {$2500.00} - Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4100.00} - Late/Open