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

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, TX XXXX Acct. Ending in XXXX I am writing to bring to your attention a matter concerning my tax reporting. I have not received Form 1099-C from Capital One for account ending in XXXX and I believe this may indicate potential tax irregularities.

I have not received form 1099-C from Capital One despite anticipating one due to a settlement in place for acct XXXX and it reporting as charged off account to my credit file. I have requested Form 1099c several times through disputes. This has raised concerns regarding the accuracy of tax reporting.

I have reviewed my transcripts through the IRS and there are NO Form 1099-c filed against my name from Capital One. How can this be if Capital One is reporting charged off and states written off under status on the credit report and also having a settlement agreement in place for the account?

I am requesting public and private accounting records for the account in question listed on this complaint. I want to review each accounting event from each of these disputed accounts. I want to refer XXXX to case Pacific Concrete F.C.U. v. Kauanoe and the ruling on what is recognized as proper accounting documentation. So no I will not be accepting billing statements. 

Due to this account reporting to my credit file as charged off and my request for Form 1099-c being ignored and unfulfilled I have filed form 3949a online to the IRS with many documents supporting potential tax fraud by the company. I want to assist in ensuring the integrity of the tax system. I believe there might be discrepancies that warrant further investigation. Case reference number XXXX. 

The disputed account has a settlement in place and the remaining balance has been deem uncollectible due to the agreement. The disputed account is past the statute of limitations. There are court cases that have ruled it is inequitable to continue to report to a credit report after these actions have taken place. 

Franklin Credit Mgmt Corp vs Nicholas, 2001 it would be inequitable to require that ( Defendant ) report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt Discover Bank vs Shimer, 36 Misc 3d 1214 ( a ) holding that it is inequitable to allow a creditor to belatedly enforce the alleged debt after it received the tax benefit of the charge off Amtrust Bank vs Fossett, 223 Ariz 438 ( issuance of form 1099c after debt was written off is " Prima Facie evidence '' that debt had been discharged by creditor, sufficient to create an issue of fact So to recap I have submitted form 3949a to the IRS with documents that support potential tax fraud. Also, Due to the account still reporting to my credit file after repeated disputes pointing out violations of the law and making capital one aware of actual case law that backs the deletion of this account, I am ready to litigate this account before the courts. 

XXXX XXXX. XXXX
Product: Credit card or prepaid card

Discover tried to call me on XX/XX/2022, but it sounded like a scam call telling me about needing to do 4506-T verification for my card ending in XXXX, then I received an email from XXXX Sign, all of which sounded like a scam. I subsequently called the main Discover line three hours later, but the representative did not know what I was talking about. 

I tried to use my Discover card to find it was not working on XX/XX/XXXX. I filled out the 4506-T form, then it was rejected by the IRS for wrong address even though I the same address. I filled it out and resubmitted it again on XX/XX/XXXX, and it was rejected again and my Discover account closed on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquiries listed. As a reference, please see the below inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given EQUIFAX permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ). Both together and separately my consumer and privacy rights are being violated. Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information, please remove the above mentioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to EQUIFAX resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations. Warm Regards, XXXX XXXX XXXX Authorized Representative for XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit card or prepaid card

I have been making double payments in the last month, using the same pay method. Turns out they have been canceling my payment and not Telling me about the problem. This can XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXp. I ask them to compensate this month of XXXX because I paid and they decline the payment without any explanation. Refuses to even admit they were wrong that could have cost me my new House I am buying. I did XXXX XXXX  and this is my thanks. This company needs to be put in its place. Milestone. XXXX XXXX. This is a scam that only accepts payments through bank accounts, so they can gain access. Shut them down!
Product: Credit card or prepaid card

I made {$4700.00} purchase with a Citi credit card since I opened the account. {$7200.00} were paid from bank accounts. After the payments, the account has been carrying - {$2800.00} balance. I requested to refund the overpaid part, but never received it. On XXXX XXXX, 2021, Citi reversed {$5000.00} credit, without refund to bank account, making me carry {$2400.00} debt on my account. 

I contacted Citi about the reversed payments, no clear answer was ever provided, and their explanations did not match with the statement. If the payment reversed, at least it should be a refund to the bank account. Now the {$5000.00} goes to nowhere and made me carry the debt with no clear answer.
Product: Debt collection

XXXX at Atlantic credit and finance threatened to send our account lawyer if we did n't make a payment today or set up an payment agreement and then wanted our debit card and account information. She would not allow us to send payment via money order or checks and keep threatening us with lawyers
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i noticed a transaction on my mobile banking app XXXX that i did not recognize, after i noticed i immediately called my bank Wells Fargo and told them i did not recognize it and they closed my account and also opened a claim. After 6 days they came to a decision but i only got notified of this on XX/XX/XXXX with a letter although i had told them Email is better i also made multiple calls and they did not inform me they had came to a decision which i find insensitive because this is money i need and i trusted my bank to fix this issue for me i didnt think they would refuse to give me money took out of my account and wait this long to infor me me on top of that. I have been using XXXX and banking with Wells Fargo well over 2 years and over this time i have sent and received more than XXXX XXXX transactions and haven't had a problem with one. They say it was an authorized transaction which makes no sense because i didn't get an email or a call to authorize a transaction of that amount which i usually get, i have since requested the documents to this decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  ard in   XXXX   XXXX     lists missed payment but I did not miss any. Account is closed and is also too old to be on file on my credit reports.
Product: Debt collection

This is a message from a consumer, natural person. Im going to give you a little detail of the ending of the relationship between myself and The Bank of America. Ive been a long term account holder of this financial institution. Until BOA took action in collecting debt on a ( vehicle ) without aduaquate notice nor an interest in payment resolutions. So Bank of America repossess the vehicle ( collects the debt ) around XXXX of 2022. Then five to six months later BOA takes actions to collect debt once again so suddenly and without any notice. This particular time they garnished my checking account for over {$1700.00}. Which is way more than 20 % of my weekly pay gross. Ive reached out to BANK OF AMERICA 's collection department on multiple occasions via phone and mail to explained my case and they responded with intentions of receiving more payment in the future.They stated that the money was applied to the loan token out on the vehicle. I explained that I no longer has possession of the vehicle so Bank of America not only violated my consumer rights multiple times but they also violated a few other TILA laws and ECOA laws.
Product: Debt collection

I sent a letter to credit bureaus, who contacted the collector to verify. I never received anything from the collector I never opened this account.
Product: Mortgage

XXXX XXXX XXXX a Senior Power Broker at Rocket Mortgage started a second mortgage application and did a hard credit pull on both my wife and my credit reports. I did not authorize a hard credit pull or for him to start a new mortgage process. I would like these hard credit pulls from my record. I am also sending a message to them as well to cease and desist.
Product: Checking or savings account

My friend referred me to their savings account that offers an extra 1 % APY for 3 months for the persons who referred and who was referred. You get an additional 1 % APY for each additional referral you make ( up to 5 per year ). I accepted the referral, so my friend and I should have 4.3 % APY for 3 months. I then referred my mother and brother, so I should have 9 months total of 4.3 % APY. However, my friend wasn't credited for referring me and I wasn't credited as being a referred new member. Thus, she has no referrals listed and I only have 1 referral on my checklist. We have plenty of evidence supporting being an issue on their end and have spoke to the bank multiple times via phone and chat ( including one time where they required us both to be on the phone at the same time, forcing us to reveal our private information to each other, and then gave us a " tech ticket '' that was never followed through on. I've spent hours with them and they continue to promise it's fixed and then don't. I just got off a call with them today and now they're telling me they won't do it at all. We continue to be given the run around and denied the timely adherence to the terms we agreed to when creating our accounts. I seriously question whether this is intentional avoidance of adhering to the terms.
Product: Debt collection

I called XXXX XXXX at XXXX about a collection EOS CCA is attempting to collect and is furnishing on my credit report, the supervisor said they dont have any information about the account. I called the collection agency EOS CCA whose reporting the false account on same date at XXXX and spoke with XXXX XXXX XXXX She said I cant dispute it and they dont remove derogatory marks from consumers report I have to pay it in full then she will add paid in full to my credit report, I told her i never had XXXX so she said send her a police report, proof of residency since 2016, and proof of the phone carriers contract that I have since 2016 and I dont know how or where to get those information, she said they wont stop collecting unless I send those impossible to get documents and if I do send them in EOS CCA dont remove stuff from peoples report once its place for collection. I did not open and account with XXXX and I never use home phone, I always have cell phone, EOS CCA pulled my credit without my permission to get my information and is now acting like Im the owner of a random debit they are trying to link to someone. They didnt send me a notice, they dont provide me a mailing address send documents to, this is extortion
Product: Credit reporting or other personal consumer reports

I called the original servicer ( XXXX XXXX XXXX ) to get a payoff quote. I was directed to call the company 's attorneys " McCarthy Holthus ''. I called & emailed the company 's attorneys in XXXX XXXX & again XXXX XXXX ; but haven't received a response. Suddenly a 2nd mortgage account for XXXX XXXX, XXXX, appears on my credit report. When I tried to call the company listed on XXXX XXXX, their contact number is nonexistent. After doing further research, I found that XXXX was bought out by XXXX XXXX XXXX. When I call XXXX XXXX XXXX I receive an automated recording telling me that I've called the wrong company ; I need to call XXXX. Call XXXX & again I'm directed to call their attorneys. Called the attorneys & found out that the firm & XXXX XXXX XXXX merged in XX/XX/XXXX. XXXX XXXX XXXX also bought XXXX 's servicing platform XX/XX/XXXX. I keep getting the runaround.
Product: Credit card or prepaid card

While paying off my Credit cards I accidentally overpaid my Citi Costco VISA. I sent the incorrect amount to Citi by approx. {$7900.00} on or around XXXX. I did not realize this until I looked to set up a payoff for charges I was making during XXXX, that I noticed the credit balance. I was using the card in XXXX and the credit balance is now {$67000.00}. I waited a week after discovering my error as to let any charges go through. Once I was confident there was nothing pending, I phoned Citi on XXXX to request my credit balance returned. The conversation was pleasant and the customer service agent was very helpful and said I would have my funds direct deposited within 3-5 business days. They did not that sometimes these need to be approved by management, however, he said this one looked to be approved. I waited 5 business days and nothing was sent to my checking account. I phoned on XXXX and requested to speak with a supervisor/manager. The manager understood the issue and explained they would expedite the payment and I should receive it within 2 business days. Again everyone involved was very helpful. I waited and 2 business days passed and no funds were deposited into my account as was explained would happen. I phoned Citi on XXXX and again asked to speak with a manager, and went over the whole situation again. It was explained that this refund of my credit balance was being reviewed, however not approved. I expressed my displeasure and explained that based on what I know they are in violation of Regulation Z, as I had given them notification I wanted my funds returned and they are required by law to send my funds back within 7 business days. I still do not have my funds and it is still not clear when these funds will be returned. I will say all representatives at Citi were polite and professional and I did maintain my own professionalism when discussing the issue. It is not acceptable for the bank to keep my funds without a reason or provide a timeframe they will be returned. It should also be noted that the last manager I spoke with put in an executive complaint, however, it is for discrimination. To be clear, I do not feel that Citi was in any way discriminating against me.
Product: Credit card or prepaid card

I am sending this complaint  on Sychrony   Bank American Eagle Visa ca rd. I am upset that the company reduced my credit limit to make my debt usage on the card  XXXX  %. This reduction caused my  credit score to be affected by   XXXX   points. The company sent me a letter showing my score wa   XXXX  and my attachments show my new score. When I called to inquire the representative told me it was systematically done and there was nothing they could do about it. I have had the card for  XXXX  yrs along with  XXXX  other  Sychrony bank cards and ha ve never paid late. My limit was {$3900.00} and my balance {$1600.00} and my limit was dropped to {$1700.00} for no reason at all. I would like for this company to reinstate my credit limit on this card immediately.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX : # XXXX, : XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 by more than seven years.

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

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : $ XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX : $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$1000.00XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : $ XXXXXXXX XXXX XXXXXXXX XXXX : {$1200.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/year>, I contacted XXXX XXXX XXXX to establish a payment arrangement for my two American Express accounts, which XXXX XXXX XXXX is representing on behalf of American Express. During this conversation, I spoke with a representative named XXXX, who explicitly informed me that entering into the payment arrangement of {$500.00} per month and paying the down payment of {$400.00} with American Express would pause litigation proceedings, including my scheduled court date on XX/XX/year>. 

Based on this information, I reasonably believed that the litigation process, including the court appearance, was temporarily halted. However, despite adhering to the agreed-upon payment arrangement and providing payment as required, I was later notified that the Louisiana court issued a judgment in favor of American Express due to my absence at the XX/XX/year>, court hearing in the amount of {$18000.00}. 

I have evidence to support my claim, including : A recorded phone call with XXXX XXXX XXXX confirming the details of the payment arrangement and the assurance that litigation would be paused. 
A formal letter from XXXX XXXX XXXX documenting the payment arrangement. 
XXXX XXXX XXXX misrepresentation of the legal implications of the payment arrangement caused undue harm, resulting in a judgment against me. I fulfilled my obligation under the terms communicated to me and relied on the assurances provided by XXXX XXXX XXXX to my detriment. 

I am requesting the Consumer Financial Protection Bureaus assistance in addressing this matter. Specifically, I ask for : A review of XXXX XXXX XXXX actions and their failure to provide accurate information. 
The reversal of the judgment entered against me due to their misrepresentation. 
Any additional corrective action to prevent similar issues from happening to other consumers. 
Thank you for your attention to this matter.
Product: Vehicle loan or lease

I have sent a couple certified letters requesting my loan documentation and ( VNB ) valley national bank refused to send them. I specifically want a copy of my signed contract and any legal notices they claim to have sent. 
I am demanding a copy of your signed contract and full payment history, because I believe i may have  been a victim of some unethical loan practices. The resulting credit errors are causing me financial hardship.
Product: Credit card

well I feel like I have no choice but to file a complaint here when I attempt to log in online it says that account details are no longer available I 'm guessing this is because the account has been closed for well over 6 months now but because of that I can no longer send messages to you either that 's my first complaint you 're making it impossible for me to communicate with you the second complaint is about the XXXX dispute for {$400.00} which the transaction took place more than eight months ago it was disputed almost 8 months ago originally I provided all the tracking information the carrier confirms that the package was delivered to the proper address that belongs to the company there 's no proof otherwise that they have n't received it and now eight months later you are billing my credit card keeping in mind a credit card that 's not even open anymore and has n't been opened for almost 6 months I 'm not sure what you 're doing there XXXX butt if Citibank is made a mistake processing all of this that 's your mistake not mine I have provided proof that the merchandise was returned unless the merchant has provided proof that they did n't receive it which is far as I know they have n't provided any proof of that I 'm expecting a full refund you can discharge someone 's account 8 months later there are laws in place that you were breaking you are aware of this right?
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a VERIFICATION of everything on my credit report and they did and also stated that everything was ACCURATE. I further did a research myself and found INACCURACIES on my credit report even after they said they did a FULL RESEARCH. In accordance with the FAIR CREDIT REPORTING ACT, XXXX  Account # XXXX, # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, all have violated my consumer rights. 15 U.S.C 1681 602 A states that I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. See attached documentation