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

I am writing to file a formal complaint against Bank of America regarding an unresolved dispute and the inaccurate listings of multiple accounts on my credit report. On XX/XX/2023, I submitted a dispute letter to Bank of America regarding the accounts listed under the account numbers XXXX, XXXX, and XXXX. As of today, I have not received any response or acknowledgment from Bank of America in regard to these disputes. 

This lack of response and failure to address my concerns is in direct violation of fair credit reporting practices. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to a timely and fair investigation into disputes regarding inaccurate or incomplete information on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). This section of the law requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. On XXXX, XXXX XXXX I wrote the company above to obtain the 1099 C, Like the IRS advised I do. I have not. The information is not correct due to the fact that this is reportable income, and since income is not suppose to be reported on consumer credit report. 
IRS Guidance on Charge-Offs Over {$600.00} Cancellation of Debt as Income : If a lender cancels or forgives a debt of {$600.00} or more, the IRS typically considers the forgiven amount as taxable income for the borrower. 
The lender is required to report this canceled debt to the IRS using Form 1099-C ( Cancellation of Debt ) The lender will send the borrower and the IRS a copy of Form 1099-C, which details : The amount of debt canceled.

The date the cancellation occurred. 
Borrowers must include this amount in their gross income on their tax return unless they qualify for an exclusion. 
Tax Reporting :. Failure to report this income could result in penalties or additional taxes.

I am trying to get my life together after being a victim of XXXX XXXX and this is making it very difficult for me obtain decent life with basic human needs. The only think I would like is the form I'm suppose to have to I don't have any surprises.

Thank you
Product: Credit card or prepaid card

Discover Financial sent a 1099-c cancellation of debt to the IRS in XXXX. I never received the document in XX/XX/XXXX. i do not recall ever having a card with discover. I called Discover to request statements of the so called account. They responded the account was opened and closed in XXXX and they charged off in XXXX and they do not keep records after 7 years being XX/XX/XXXX-XX/XX/XXXX. How can they claim a debt with no proof? What are my legal rights disputing them?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove these items as soon as possible.
Product: Checking or savings account

I had a check for XXXX in my account my account was hacked and I was able to get some of my money back but not all of my money and my bank is refusing to do an full investigation my account was compromised and somebody was XXXX out of my account like XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my bank is refusing to hand me back over my funds I ended up closing the old account and making a new one
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX XXXX. This is unfair. This doesnt represent me as a borrower since the service guaranteed wasnt effective, it wasnt working at 100 percent. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus advising of the poor services rendered from this Company causing this alleged collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?
Product: Checking or savings account

My name is XXXX XXXX. I opened a saves account with Goldman Sachs Marcus on XX/XX/XXXX. My account number ends in XXXX. I made three deposits totally {$13000.00} from my XXXX  XXXX XXXX account to earn an higher yield. At the end of that month, my online access was terminated. I called the customer service and was informed I need to be authenticated via a notarized letter. They sent me a letter, I got it notarized and I sent it back. After that, I called customer service again and then confirmed the receipt of the notarized letter. That whole authentication process took about three weeks. 

On XX/XX/XXXX, I received a letter from Marcus stating my account has been closed without any reason. After that, I called the customer service several times and they always told me they were processing a check for the funds back to me and it'd take 7-10 business days. 

On XX/XX/XXXX, I received a statement for my savings account. It showed my account balance is XXXX. 

Around XX/XX/XXXX, I called the customer service again and spoke to a supervisor. Her name is XXXX. She told me Marcus needed to verify my Bank of XXXX account. I stayed on the phone for three hours to contact XXXX  XXXX XXXX together with her and got the verification she needed. She informed me I should receive a check by XX/XX/XXXX. 

On XX/XX/XXXX, I still haven't received the check so I called the customer service again. They told me I need to be authenticated. I was quite confused because I was already authenticated previously via the notarized letter. I asked why I need to be authenticated again and how long would that take. They refused to give me any more information. 

On XX/XX/XXXX, I still haven't received the check so I called the customer service again. I spoke to a supervisor named XXXX. I explained my situation. She told me she put a note internally on my case saying I was already authenticated and funds should be returned to me as soon as XX/XX/XXXX. 

On XX/XX/XXXX, I still haven't received the check so I called the customer service again. I spoke to a supervisor named XXXX. She told me my account is still under investigation and there is no ETA for the investigation. She was unwilling to provide any further information. 

At this point, I feel quite hopeless because they don't give me any reason or timeline for the investigation. I don't know if I will ever receive my funds back. I'm under the impression they can keep claiming my account is under investigation and not giving my funds back. For me, that's equivalent to robbery.
Product: Debt collection

Every month, for the past five years, third party collections agency company, XXXX XXXX XXXX collections continues to fraudulently report two closed and paid in full accounts. Since XXXX both Capital One Bank and XXXX XXXXXXXX XXXX have been paid in full on both accounts. This reporting has been disputed numerous times with documentation to the three major bureaus that continue to report the fraud, citing FCRA compliance. These fraudulent and deceptive practices continue to adversely effect the consumer in question, XXXX XXXX XXXX. We are moving to sanction XXXX XXXX XXXX collections creditor ( and the original creditor ) for reporting fraudulent, incorrect, baseless information that are posing negligence and injury resulting in current adverse actions from other creditors at the same time causing XXXX XXXX, instability, mental health relapses, breaks in case management treatment concerning her finances and support. She continues to experience undue financial hardship concerning affordable housing as she has been homeless since XXXX due to these adverse actions. XXXX XXXX also requested correspondence of a paid in full letter from original creditor Capital One Bank in which they agreed to send in XX/XX/XXXX on a recorded call. Capital One Bank has confirmed that this account was discharged in bankruptcy and should not be reported by a third party debt buyer. This creditor is violating federal law, namely section 524 of Title 11 of the United States Code. 5 years of negligence, personal injury, private data breach, and false reporting on the consumer 's credit report. Capital One Bank is in violation of the decision made in the creditor 's meeting by the Trustee of Maryland District Bankruptcy Court proceeding in XXXX -- discharge order ( a copy was sent to Capital One Bank from the US Trustee ) and disregarded by the Bank because reporting via collections resumed in XXXX and hasn't stopped since the stay order and discharge ( according to all three consumer credit bureaus ). This year, we have claimed {$900.00} XXXX in damages via federal settlement proceedings which will have XXXX XXXX reopening her Bankruptcy filing to sanction this third party debt buyer and the original creditors. This is the XXXX, XXXX, and XXXX report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( FCRA ) ; >PLACED FOR COLLECTION< XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts are reported with no adverse information. AccountName XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE BANK USA N A XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to seek your assistance regarding a matter involving a recent violation of my rights under the Fair Credit Reporting Act ( FCRA ) by a creditor. As a loyal customer of Navy Federal, I value the relationship I have with the bank and wish to address this issue amicably with their cooperation. 

In accordance with the provisions outlined in the FCRA, specifically detailed in 15 USC 1681, the creditor in question has unfortunately disregarded certain fundamental rights granted to me as a consumer. The violations are as follows : 1. **15 USC 1681, Section 602 : Right to Privacy** - This section explicitly guarantees my right to privacy regarding personal and financial information. The actions taken by the creditor have, regrettably, infringed upon this fundamental right. 

2. **15 USC 1681, Section 604a ( 2 ) : Consent Requirement for Furnishing Account Information** - Under this provision, it is stipulated that a consumer reporting agency can not furnish account information without my explicit written instructions. However, such instructions were not obtained by the creditor, leading to a violation of this requirement. 

3. **15 USC 1666b : Prohibition Against Treating Timely Payments as Late** - This section prohibits creditors from treating timely payments on credit card accounts as late for any purpose. Despite my efforts to maintain timely payments, the creditor 's actions have inaccurately reflected otherwise, causing undue distress.
Product: Checking or savings account

I recently checked my account and noticed there were 2 transactions on my Wells Fargo checking account : XXXX XXXX for {$4800.00} sent on XX/XX/XXXX and another for {$4200.00} sent on XX/XX/XXXX sent to XXXX XXXX  XXXX. I have never heard of XXXX XXXX  XXXX or done business with them in the past. 
Someone stole my account information because I never authorized this company to take money out of my account. 

Please help.
Product: Checking or savings account

Revoked my ach authorization from the company sezzle in mid XXXX. XXXX weeks later my wallet was stolen and I ordered a new debit card from my bank with a different card number because of the theft. Wake up this morning, XX/XX/XXXX, to several XXXX dollars drained from my account by XXXX Contacted the bank and the bank told me, without my permission, gave XXXX my new debit card number and XXXX used it to overcharge my bank account by hundreds. Contacted key and was told they gave XXXX my new debit card number because I have had buisness with XXXX in the past. Both companies are breaking federal law by not acknowledging my XXXX authorization letter and key is breaking privacy laws by giving my debit card information to whomever calls and asks for it.
Product: Mortgage

XX/XX/XXXX, there was a charge of {$35.00} to my account for XXXX XXXX 
XX/XX/XXXX, there was another charge of {$35.00} to my account. for XXXX XXXX 

I was told that these charges were because I did not submit a CERTIFICATION OF OCCUPANCY in a timely manner. 

I explained to them that I did comply in a timely manner. I had sent them a CERTIFICATE OF OCCUPANCY in XX/XX/XXXX and sent them proof of my compliance. 

I asked them to give me back my {$70.00} and they refused. I have made numerous calls and emails to them and they will not respond or give me back the {$70.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Is it that har for the Credit Bureaus to do their investigation and verify the information the report on my Credit File? The Credit Bureaus had become negligent of their duty and kept ignoring the letters I have been sending to them. The most recent letter I send to the Credit Bureuas was lsat XX/XX/2022, was already my sixth attempt to reach out to the Credit Bureaus, emphasizing the importance of the FCRA section 605b ( c ) ( 1 ) ( c ) Athority to Decline and Rescind. Once again, I have been a victim of Identity Theft and the Items I am disputing does not relate to any transction that I have made or Authorized, therefore, the Credit Bureaus have no right to decline my requests for the removal of the disputed items from my Credit report. If the Credit reporting insist that the items belong to me, I will require all documentation that bears my signature to prove that the alleged items are mine. The Credit Bureaus became lazy and did not comply with the FCRA regulation, thus their action have done negative impact on my Credit report. I have been submitting complaints regarding this matter and I am disputing the fraudulent items once again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX Owed : {$35000.00} XXXX  XXXX XXXX Balance XXXX : {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute a negative mark on my credit report that was caused by an unpaid emergency hospital visit. On XX/XX/2018, I was riding my Vespa on NJ XXXX in XXXX XXXX, XXXX  when I hit a pothole that was negligently maintained by the state of XXXX. As a result, I was thrown from my XXXX and sustained serious injuries that required immediate medical attention. 

I was knocked out conscious and taken to XXXX XXXX XXXX XXXX where I received emergency medical treatment for my injuries. I want to inform you that I was fully insured at the time of the accident and my insurance company handled the claim. Despite my efforts to pay the medical bill, I was unable to do so due to the financial hardship caused by my injuries and the associated lost wages. 

I believe that the state of XXXX  is liable for my injuries, as they were caused by a pothole on a XXXX XXXX that was not properly maintained. I have already contacted the state of XXXX  to request reimbursement for my medical expenses, and I am currently awaiting their response. 

I am requesting that you remove the negative mark on my credit report, as it was caused by an unpaid medical bill that was not my fault and was handled by my insurance company. I would also like to request that you freeze the credit reporting of this debt while I am awaiting the response from the state of XXXX. 

Please be informed that if this negative mark is not removed from my credit report, I will consider it as a violation of the Fair Credit Reporting Act ( FCRA ) and will take legal action accordingly. Also, if you fail to investigate my dispute and fail to correct any errors in a timely manner, it could also be considered a violation of the FCRA and XXXX result in penalties and fines. 

Please let me know if any further information is needed from me. I can provide the medical report and the evidence of my claim against the state of XXXX, as well as the proof of insurance. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Was told on XX/XX/2023 that Citibank was closing my account due to a third party check that I deposited into my account. The check was good and cleared into my account but by this point there was a block on my account. They said I needed to go into a branch to verify the identity of the person whose check it was and if I could do that then there were temporarily release the block on my account. I did that we did not release the block. They then told me that they believed a check that i deposited into my account for {$220000.00} was a frauded check. And that. If I could verify that the check was legit they would temporarily remove the block on my account. I had the law firm that handled my fathers probate for the inheritance I recieved from my fathers passing call Citibank and they verified the check was legit. And still they would not remove the block on my account. I explained to them multiple times that i was in the middle of buying my first home and that i was going to lose the house i was in escrow for. Still I have not been able to get my funds released
Product: Debt collection

I am writing to file a formal complaint against the XXXX major credit bureaus [ XXXX, XXXX, XXXX ] for failing to properly investigate and address inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

I disputed multiple third-party debt collector accounts on my credit report, as these accounts were purchased by debt collectors, and the current status, balance, and payment details are incorrect. Specifically, my credit report fails to reflect the amount paid by the debt collector, which results in incomplete and misleading information. Despite these inaccuracies, all three credit bureaus have responded by simply marking these entries as " verified '' without providing any proof or evidence of a proper investigation into my dispute. 

The information listed on my credit report regarding these collection accounts is inaccurate and misleading, which constitutes a clear violation of the FCRA. I have not received any substantiated documentation supporting the verification of these accounts. As a result, I am requesting that these inaccurate entries be removed immediately. 

I respectfully ask that the CFPB look into this matter and help ensure my rights under the FCRA are upheld. 

Thank you for your time and assistance.
Product: Mortgage

Okay, flag star bank, had me apply loan modification program, making payments of XXXX in XX/XX/XXXX, for three months trial. I made them they sent me partial claims terms XXXX XXXX with said amount plus3.37500 % interest rate! I sent off after getting it notarized at XXXX XXXX by bank President! I had until XXXX I sent it in XXXX via XXXX XXXX envelope! Now in middle of XXXX Again I received same letter head dated XXXX and said this form had to been done by XXXX. I was confused, I call flagstar, no paper work why this form again with past date XXXX be turn in! Same underwriting of XXXX XXXX, California! NOBODY COULD TELL ME WHY????? I RECEIVED THE PARTIAL CLAIMS FORMS AGAIN! NUMEROUS CALLS, ONE PERSON SAID MAYBE U, OR NOTARY DIDNT DO SOMETHING, SO ON XXXX I CALLED FLAGSTAR TOLD THEM I SIGN PAPER WORK, DURING THE OPEN BUSINESS HOURS XXXX E.S.T. THEY ARE ON C.S.T. THEY TOLD ME THE WERE DOCUMENTED THIS ON COMPUTER BESIDES ALL CALLS ARE RECORD BY THEM! SO I CALLED NEXT DAY XXXX XXXX. WELL I GOT OF HOLD OF XXXX XXXX. IN XXXX, TEXAS TOLD ME THAT PROGRAM EXPIRED ON XXXX XXXX. I ASK WHY Wasn't I informed by flag star staff about this when I was on the phone?? Well we had over XXXX loans amonth, some staff wasn't trained up to par, Now I CALLED every week prior about my status, I was told XXXX XXXX EVERTHING IS OKAY YOUR MAKING THE PAYMENT OF XXXX MONTHLY YOUR GOOD! NOW FLEXI INFORMATION WAS WITH HAVE START THIS ALL OVER AGAIN, I CALLED EVERY WEEK, I WAS TOLD YOUR GOOD, WE HAVE SO MANY, I HAD A LADY XXXX XXXX WHO TILD ME SHE WAS HANDLING MY CASE PERSONALLY! NOW I TRIED TO GET HOLD OF HER, TO NO LUCK, BUT THE PERSON WOULD SAY, YES I SEE HER INPUT ON THE FILE OFF YOUR ACCOUNT, I CALLED XXXX ABOUT MY FILE, I WAS WORRIED ABOUT INTEREST RATE GOING UP, UR PROGRAM WAS APPROVED TODAY, SO ME ASSUMED SAME RATE XXXX XXXX XXXX THAT WOULD BE SAME! I GET IN IT NOW XXXX WITH INTEREST RATE AT4.625 % WITH A XXXX DOLLARS BALLOON PAYMENT AT IN OF LOAN XXXX WHAT HAPPEN IN XXXX WITH SAME BANK IS NOW DOING SAME THING NUMEROUS FORECLOSURES IN THIS AREA BY FLAGSTAR BANK WHICH XXXX XXXX XXXX  XXXX SOLD MY LOAN TO FLAGSTAR WITHOUT NOTIFYING ME PREVIOUS TO SALE? I HAVE UNTIL XXXX, XX/XX/XXXX TO SIGN THIS RIP OFF DEAL OR THEY WIL FORECLOSURE ON ME EVEN THOUGH I BEEN MAKING THE AGREED PAYMENTS, PLEASE HELP ME, I AM TOTALLY SHOCK THEY DID THIS UNFAIR, BUSINESS, PRACTICES WHICH IS WHY UR PROGRAM WAS ESTABLISHED! I LIVE BY A MOUNTAIN MY CELLPHONE DOEST RECEIVE CALLS, BUT MY XXXX XXXX HAS A TEXT ME APP THAT I RECEIVED CALLS, AND GOES TO VOICE MAIL PLEASE LEAVE A MESSAGE NUMBER, EXTENSION GO GRACE OF THE FATHER, AND LORD JESUS CHRIST, HOLY GHOST SPRIT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows I have a public record XXXX  XXXX bankruptcy I disputed this several times telling them it is not mine they wont do anything they say they verified it I asked how and they told me with the court system I keep telling them then they wont put my name right on the report
Product: Mortgage

I have been working with the mortgage company for months to complete a pre-foreclosure sale. My home was initially placed in loss mitigation due to divorce. My husband occupied the home and then left it without telling me. Because it was so far behind when I found out he left, I was unable to catch the payments up. My only option was to sale. It took forever to get to the point that we could accept offers due to me having to wait for the home to be awarded to me after the final divorce. I had an offer on the home and it fell through due to the buyer being tired of back and forth from the mortgage company. Now, I have XXXX buyers but the mortgage company is saying it 's too late to move forward. Why is the sale not being postponed? I have worked with the mortgage company since the day I found out the payments were behind. I 've submitted everything they 've asked for. I 've even asked if I can get back into the house some way. I can not afford to have a foreclosure on my credit. How can I stop this foreclosure and continue to get my home sold?
Product: Credit reporting, credit repair services, or other personal consumer reports

i have 49 inquiries on Transunion freudulant i have submited everything they ask for over and over .i was notv applying for any thing i been in open bankruptcy for last 9 months. they will not acknoledge my request for removing i talk to them over and over. XXXX ssi number XXXX XXXX XX/XX/1972 1972