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

I am filing this complaint to formally dispute the reporting of a charge-off account by XXXX XXXX XXXX Account Number : XXXXXXXX XXXX, Amount Due : {$2500.00}, total {$13000.00} on my credit report. This reporting is in violation of federal laws, and I am requesting the immediate removal of this account from my credit file for the following reasons : 1. Failure to Issue a 1099-C Form Under IRS regulations , when a debt is charged off and considered " canceled '' or " forgiven, '' the creditor is required to issue a 1099-C form to the debtor, as this cancellation may be treated as taxable income. In this case, XXXX XXXX has reported the debt as charged off on my credit report but has failed to issue the required 1099-C form to me.

The absence of this form raises questions about the legitimacy of the charge-off reporting and whether the account has been properly processed in accordance with federal tax and credit reporting regulations. Without the 1099-C form, the debt has not been properly " canceled '' and, therefore, should not be reported as a charge-off.

2. Violation of 15 U.S.C. 1681-2A ( i ) : Reporting Income on a Credit Report The Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681-2A ( i ) explicitly limits the types of information that can be reported on a credit report. Income or transactions that reflect income, such as a charge-off that may be deemed canceled debt, should not be reported as part of a consumer 's credit file.

A charge-off that is reported without proper documentation, such as a 1099-C, creates an inaccurate and misleading depiction of my financial history. Reporting such income-like entries on my credit report is not only misleading but also appears to contravene the intent of Congress as outlined in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian not removing inquiries, address and names. XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. XXXX XXXX  XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX/ XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. XXXX & XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove accounts from my report as they are hurting my ability to obtain credit.
Product: Debt collection

" XXXX XXXX '' from Enhanced Recovery Company has contacted my place of work 21 times from XX/XX/XXXX to XX/XX/XXXX. He has contacted me, my brother, my mother, and my ex husband during that time. He claims to be a process server and in his message claims to have tried to serve me at my home. There is always someone at my home and no process server has ever been there. The debt recently showed up on my credit report even though it is a bill from XXXX that is almost 10 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account : XXXX closure date : XX/XX/XXXX balance update : XX/XX/XXXX. Past due balance listed : Date of last payment XX/XX/XXXX at {$17000.00}. 
Showing on my credit report as closed amount of {$2600.00}. I disputed on my credit reports and would like help removing as it is five years statute of limitations with a car loan. This is preventing me from getting future credit and negatively affecting my daily life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle returned to XXXX on XX/XX/XXXX ( as acknowledged on letter attached ). 
XXXX XXXX issued a final bill XX/XX/XXXX with a due date of XX/XX/XXXX. 
This letter was mailed to the wrong home address ( had a typo ) and I never received it. I also didn't get a letter online on my XXXX XXXX account. 
In the beginning of XXXX, XXXX I saw a decline in my credit score owing to this account declared delinquent by XXXX XXXX. 
I called XXXX XXXX on XX/XX/XXXX and spoke to XXXX ( agent id : XXXX ) who informed me that the bill was sent to the wrong address and a new letter will be mailed to my home address and an update will be sent to the credit bureaus for correction and asked to call back. 
Called back on XX/XX/XXXX and spoke with XXXX ( agent id : XXXX ) and confirmed that she will submit the credit bureau correction the same day. 
Called on XX/XX/XXXX and spoke with XXXX ( agent ID : XXXX ). Was informed XX/XX/XXXX invoice was mailed. Credit bureau is submitted and being worked on. Was asked to call back on XX/XX/XXXX to confirm. 
I received the letters ( attached ) and sent the check right away ( date XX/XX/XXXX, see attached a copy ). 
Called on XX/XX/XXXX and spoke with XXXX ( agent XXXX ). Was informed that credit correction submitted on XX/XX/XXXX and creditbureau correctionswill take 30-45days. 

It's been nearly 9 months and my credit reports with Equifax, XXXX and XXXX still show this account as late payment ( see equifax as an example ).
Product: Credit reporting or other personal consumer reports

I strongly request a swift update to my account since I've consistently paid on time. The present issue is causing me significant stress and concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account number, # # # # # # XXXX account name XXXX XXXX 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
Product: Debt collection

I have had several checking and savings accounts at various banks in the area I live. Each time I open an account, everything is okay, if/when I decide to close my accounts because of various charges, I am charged an arm and a leg to close or even to be billed!
Product: Credit reporting or other personal consumer reports

15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY XXXX REPORT TO XXXX XXXX TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN
Product: Debt collection

I have received a charge off on my credit report. It 's reads Sarma debt collection. However no explanation of the debt, I have never received any letter or statement showing what the debt is, who originated it. If sarma reads this, hopefully they will send, no calls, me a written statement of the debt. Clear my credit report and I will not pursue any further legal action. If by chance this is a legal debt from XXXX XXXX XXXX ... I am XXXX military, they took labs, no treatment, that was after waiting 5 hours. Told my XXXX XXXX XXXX Physician the next day. I had to pay {$40.00} for my XXXX XXXX to take to my XXXX. If the hospital is n't intelligent enough to collect my insurance info, then pull this underhanded XXXX.. Shame on XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX , TX. Shame Sharma debt collectors on unscrupulous practices. I 'm a XXXX veteran, and I do not desire to be threatened. I 've been nearly killed several times, and a young female on a phone threatening me ... She 's lucky and I will leave it up to you Sharma and XXXX XXXX XXXX to fix this or I will take further legal action within 30 days.
Product: Credit card or prepaid card

My name is XXXX XXXX a XXXX male. I started an online XXXX friendship with a female XXXX XXXX. Our communication was friendly, and she was very convincing. A few months ago she asked me for my Chase credit card information. She asked me to help her receive her inheritance money but first had to pay the taxes on the inheritance. She promised to pay off my credit card balance and would make payment to my credit card. In return she asked me to buy XXXX XXXX gift cards to send her because she had not established a banking account. When my bank alerted me that these payments had been returned because of insufficient. funds. I messaged XXXX XXXX that this was unacceptable. I immediately called Chase Bank and asked them to lock my account from any further payments. I also changed my password so she could not have access. Multiple payments were still sent to my Chase credit account amounting in {$12000.00} after I had locked my account. I'm so embarrassed and distraught from my mistake with XXXX XXXX and how I allowed her to be so trusting and convincing in her XXXX values and sympathetic. needs. I have since blocked her from my phone and all social media.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following accounts. Block and remove them. 

XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX MO XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

This summer, I tried to get the free copies of my credit report from the XXXX agencies. I have to report that it was very difficult. I was only able to get XXXX ( XXXX ) ; I had to pay for XXXX ( i.e., sign up for a {$1.00} trial at Experian ), and I was never able to get XXXX XXXX report. The free website would lock up, it was very difficult to use, and the whole process took hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for his car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXXXXXX XXXX {$5600.00} XXXX  XXXX {$0.00} XXXX/XXXX XXXX {$3100.00}
Product: Money transfer, virtual currency, or money service

I'm trying to refund a payment on PayPal that seems like it went to a sketchy vendor but PayPal won't let me refund, the option isn't there but I've already paid in full the amount owed for the item
Product: Credit reporting or other personal consumer reports

This is an email I sent to XXXX XXXX XXXX, who responded via letter that she wouldn't change the mistake. 

I'm reaching out today with great disappointment as I've had to close my XXXX XXXX XXXX account due to an unfortunate misunderstanding that I received no assistance with. In XXXX, I set up autopay for my recurring bills through my bank, which was successful. Encouraged by this, I added my credit cards in XXXX, given my father 's illness and my frequent hospital visits to care for him, making bill payments a challenge. 

However, in XXXX, my bank account experienced a bounce, prompting me to investigate unauthorized transactions. My bank promptly closed the account, requiring a two-week wait to reinstate everything. Consequently, my XXXX XXXX payment scheduled for autopay via XXXX didn't go through. While I typically trust this system and didn't manually verify the payment, I've had no previous issues and other bill payments went through without a hitch. I never anticipated this glitch with XXXX XXXX. 

Surprisingly, XXXX XXXX didn't reach out until my payment was 30 days overdue. I immediately settled the payment and attempted to dispute the credit reporting. Despite my longstanding positive history with XXXX XXXX, the representatives and managers stated that the bank fraud incident wasn't their concern and that the credit report would stand as is. 

My diligent efforts to maintain good credit have been tarnished by a situation beyond my control. I was vigilant in making the payment as soon as I realized it hadn't been processed by the bank. Since then, I've been proactive in making timely payments. Given my consistent record of timely payments, it's disheartening to think that this isolated incident could impact my credit report for the next decade. I'm kindly requesting a thorough review of this matter. Please advise on any further steps necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a few hard inquiries and small inquires and i am hoping to get tcompanyhem removed immediately here is the list of hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/PAYPAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/PAYPAL XXXX XXXX  ) XX/XX/XXXX these are negatively affecting my credit score i need these to be removed
Product: Mortgage

I HAD CHANGE DECREASE IN INCOME, OWEN SUGGEST I QUALIFY FOR A MODIFICATION LOWER MY PAYMENT TO AFFORD IT. IVE BEEN TRYING FOR XXXX MOTHS TO NO SUCCESS. OWEN DENIES ME WITH I KNOW I QUALIFY XXXX % OCWEN STATES IT MY " INVESTOR WHO OWNS MY LOAN WONT HELP ME???????? MAKE S NO SENSE WHY WOULD OCWEN TELL ME I CAN GET A MODIFICATION TO HELP ME WHEN THEY INSIST MY INVESTOR WONT HELP! PLEASE HELP
Product: Credit reporting or other personal consumer reports

I recently reviewed my report and I noticed inaccurate information still reporting inaccurately on my reports. I have sent multiple letters of communication to Transunion, XXXX, XXXX and XXXX XXXX with no response to my requests. On my credit report it shows XXXX XXXX XXXXXXXX XXXX  XXXX is a charge off but has a reporting balance of $ XXXX.I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes. I have demanded proof of debt showing my signed signature, proof of purchase, It has been over 90 days since the first initial dispute which violates FCRA section 623 ( a ) ( 3 ), which violates the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE!
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. 

Account Name : XXXX XXXX, account number : XXXX XXXX XXXX. XXXX 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 an 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, 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Debt collection

When I checked my Credit score on XXXX XXXX i noticed the debt. I wrote to them to let them know that I dont know anything bout the collection. I also called and spoke to the agency to let them know. Apparently this debt has been passed over to many debt collectors.
Product: Credit card

I signed up for a credit card offer I received in an email on XX/XX/2017. The offer stated that the American Express XXXX came with XXXX bonus miles as long as I signed up before XX/XX/2017 and spent {$1000.00} in the first XXXX months. I did exactly as I was supposed to but was only credited XXXX. I called in XX/XX/XXXX and was told they were opening an investigation. When I called back they told me the investigation was closed and I was not receiving the extra XXXX miles due to an unspecified " error '' that was not the fault of American Express. I do not believe this is acceptable in any way. They admit the email is real but still wo n't give me the miles I 'm due.
Product: Credit reporting or other personal consumer reports

This company is violating the securities exchange per their own prospectus filing. They are committing securities fraud, IRS tax evasion, and their fiduciary duty to me as an investor. They are ignoring my request for all accounting public, and private according to GAAP. I have sent them a certified mail return receipt letter asking them to validate the debt. They ignored it! I have let them know in writing that they this contract is in dispute until they comply with my requests. I have purchased a forensic audit XXXX report which will be used in equity and law court in Delaware. I have removed their POA through the IRS, as well as sent them a notarized letter with two witnesses revoking POA. They are running a Ponzi Scheme. They can not report late payments as this account is in dispute since it's inception. THE XXXX RECOMMENDS, immediate production of document and review of ALL purchase documents and then notarized Agreement endorsements among ALL relevant parties.
Product: Credit card or prepaid card

We owned  XXXX  CC a balance of {$8000.00} o  XXXX   XXXX   XXXX   and we were told to pay {$2700.00}, by   XXXX   XXXX  , so I wo n't be penalized to pay the interest promotion which was {$800.00}. We decided to close the account and pay the full balance which was  XXXX , On   XXXX   XXXX  . I was told since I paid the full balance that I was going to receive {$860.00} for the interest adjustment. However in order to get this I was told I needed to request by calling them and they would post it in the computer and mail me the check within  XXXX  days. I have called several times to send my check of {$860.00} that I was told by several customer service representative that they would mail me the check. However, all I got from them on the   XXXX   statement was an account statement with a credit of {$810.00}.  XXXX  towards my close account. When I called on   XXXX   XXXX  , about this their reply was the money went toward the account, and can not be mailed to us.
Product: Checking or savings account

I received mailings that someone opened over XXXX accounts in my name. 
I never opened an account with truist bank. 

Their customer service is less than helpful.
Product: Consumer Loan

I just pulled my credit report and Hyundai Motor Financing has my payment listed as late over 30 days for XXXX 2015. I have documentation that shows that this is not true and has been continually paid. This is negatively impacting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXXXXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX FXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX, ACCT XXXX XXXX XXXX XXXX, ACCT # XXXX XXXXXXXX XXXX, ACCT # XXXX XXXX XXXX XXXXXXXX, ACCT XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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

Contact the XXXX XXXX XXXX, Experian XXXX and XXXX to validate the debt, I have not received any supporting claims that the debt belongs to me.
Product: Credit card or prepaid card

Wells Fargo is refusing to reverse my charge for a flight that was purchased, I am dissatisfied with the goods/services because they were not even provided. I had tried to resolve it with the merchant before escalating the matter and disputing the charge. The flight was purchased through XXXX XXXX on XX/XX/XXXX for the amount of {$1200.00}. I contacted the merchant on XX/XX/XXXX due to issues with the connecting flight, the flight had to be cancelled, the merchant said I would need to rebook a flight by XX/XX/XXXX or fees would be deducted from my ticket price. I was never given a confirmation of the cancellation or any email/record of a credit or anything in regards to my flight other than the booking confirmation number. After doing research and searching the merchants website I found a flight I could work with so I called back on XX/XX/XXXX to rebook. The merchant then tried to charge me {$50.00} to rebook/process the change, there was suppose to be no fees but they did not follow their own policy. They also tried to charge me an additional {$800.00} dollars more for a flight that was listed on their website for {$1200.00}. I tried to resolve the issue with the merchant but was not getting anywhere with them over the phone. The merchant did not provide the goods/service that were outlined in their policy, they were not following their own policy and it seemed as if I was being scammed so then I filed the dispute with Wells Fargo XXXX XX/XX/XXXX. I went through the process of sending them information and details in regards to my case such as pictures and statements. I finally get a response XX/XX/XXXX over the phone, they told me the charge will not be reversed because I had accepted the credit from the merchant which is completely false, I had never accepted a credit. I was not even given an option for accepting or declining. The flight was cancelled, no goods or services were provided, I was told my ticket purchased is non refundable and that I will need to rebook before XX/XX/XXXX or fees will apply. I followed the information that was given to me through the merchant, there was no transparency in regards to their fees, flight prices and policies even though it was clearly visible on their website. The merchant would not even follow their own policy, I tried to resolve the issue with the merchant but there was no other choice in the matter besides having to call their customer service when rebooking. In the end there were no goods/service provided. With all the information and evidence I provided to Wells Fargo they would not reverse the transaction, it's as if there was no investigation in regards to my dispute. The entire dispute process seems as if Wells Fargo did nothing on my behalf in trying to resolve the matter until XX/XX/XXXX when they closed my case.