23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to vehemently dispute the charged-off account and inaccurate reporting associated with the above-referenced account number XXXX, as reported by Citicards CNBA. Upon reviewing my credit report, I discovered that the account was reported as charged off, which needs to be corrected. 


It should be noted that the account in question was included in a XXXX XXXX bankruptcy filing ; however, the focus of this dispute is not related to the bankruptcy itself. 


I vehemently dispute the accuracy of the charged-off account and assert that the reporting is fundamentally flawed. 

By taking a write-off for the previous debt, Citicards CNBA effectively exploits public tax dollars to assist with the write-off. This action constitutes a form of public assistance. Moreover, my requirement to file the discharged debt as income on my tax return falls under the income statute, which should exempt this debt from being reported on my credit report. 


In addition, I have yet to receive Form 1099-C ( Cancellation of Debt ) from Citicards CNBA , which contravenes the Internal Revenue Service ( IRS ) regulations under section 6050P of the Internal Revenue Code. Regardless, I have dutifully filed the discharged debt as income on my tax return, as mandated by the IRS. Citicards CNBA failure to provide the 1099-C constitutes a breach of the IRS tax code, and it has come to my attention that you have taken a write-off for the debt in question.

It is crucial to emphasize that income is not required to be reported on a consumer report under the Fair Credit Reporting Act ( FCRA ). Section 605 ( a ) ( 4 ) of the FCRA explicitly states that consumer reporting agencies may not include any information in a consumer report that pertains to " receipt of public assistance benefits. '' I assert that the income reported on my tax return, which encompasses the discharged debt, qualifies as public assistance benefits and is therefore exempt from reporting on my consumer report.

I demand that you provide documentation supporting the validity and accuracy of the reported information, including any signed agreements that establish the debt and any other pertinent information.

I insist that you investigate this matter and verify the following : 1. The accurate reporting of the charged-off account on my credit report, considering that I have filed the discharged debt as income on my tax return despite not receiving a 1099-C from Citicards CNBA 2. The validity of the reporting of the charged-off account.

Should the investigation reveal inaccuracies in reporting the charged-off account, I expect you to remove the account promptly.

I request that you provide me with the 1099-C you neglected to issue, as required by the IRS regulations .

I demand that you respond to this dispute within 30 days, as mandated by the Fair Credit Reporting Act ( FCRA ). Failure to comply may result in further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

I await your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

The money was sent then returned without my consent. This has left me to lose the funds that were in my account previously.
Product: Money transfer, virtual currency, or money service

Anyone need the copy and paste here you go I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX  Inquired on XX/XX/XXXX, COMENITYCAPITALXXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Attn : Complaint Department I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit reports showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXXXXXX ( XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Chase Card ( XX/XX/XXXX ) XXXX XXXX  ca ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my police report as proof of my identity. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious account. I think you have not validated this account : XXXX XXXXXXXX Balance {$4200.00} This was already included in my prior COMPLAINT, and I'm including it again.
Product: Prepaid card

I received a Vanilla VISA gift card for XXXX for {$500.00}. It was purchased on XX/XX/XXXX from XXXX at XXXX XXXX XXXX, XXXX  DE XXXX. When I went to open it to use it today ( XX/XX/XXXX ), the card itself had some sort of XXXX  on the XXXX XXXX  not allowing me to swipe the card. I went to give the cashier the XXXX card number, and the XXXX set of digits was erased. I called the number on the back of the card to get a replacement card but the representative said the card had {$0.00}. The rep also mentioned the card had been used on XX/XX/XXXX on a XXXX purchase that was not made by myself.
Product: Prepaid card

Purchased a Google play gift card from XXXX, {$25.00}. Tried to redeem it and was told to fill out a form. Weird, but I did with the original receipt included. Then they tell me I can't use it due to inconsistencies but won't tell me what. I'm pretty sure it's illegal for a merchant to refuse their own gift card. Afterwards finally I got an email straight up saying the gift card I validly paid for is no longer usable, a merchant can not do that. I've included the original receipt as proof of ownership and purchase. Google play email is XXXX. Apparently I have to open another complaint because you all are now ignoring the CFPB. This isn't about the money anymore, it's about Google defrauding me and they are making this much more difficult on themselves than they would have had they honored my gift card.
Product: Mortgage

Sent {$6100.00} on XX/XX/XXXX, to bring up my delinquent mortgage and included an outline of where money was to be applied according to the mortgage statement I had received from SLS. ( pages 1 & 2 ). About XX/XX/XXXX to XX/XX/XXXX, I spoke with XXXX, VP of Collections. He related that even though I had sent {$6100.00} Ii still needed to pay {$870.00} in legal fees. We set up an agreement for me to make payments. ( pages 5 & 6 ). I am attaching much correspondence asking for someone with authority to go over this and call me. Now most recently I am receiving a foreclosure notice. See pages ( 8 - 22 ). My letter of XX/XX/XXXX, addressing again my payment history since XX/XX/XXXX to present and response to the foreclosure letter. ( pages 23 - 25 ) Obviously I have tried and tried to resolve this situation with correspondence and calls. BUT no one will give me a straight answer. They keep saying someone will call but they don't do so. Also please note the many departments they have and the many phone numbers and addresses .I have to send the documents under another entry as this computer is not accepting attachments. I will send under a separate entry. 

In the beginning I had no idea who I was calling and they would not identify which department I was speaking with. Each time I would go over my situation and then I would get transferred. I know I was very very bad in the past but I am trying to get this all cleared up. They would never consider viewing my calculations and the discussion I had with the VP of collections which I am certain was recorded as they state when calling.. I realize this is a lot to go over but I need your help. I am in real estate and when your agency was formed several years ago it was a positive way for consumers who were hurting during the recession ( alto they don't call it a recession ) to get back on their feet. Mortgage companies were relentless in calling folks behind on their payments which were many. Then this protection agency was formed and now we were given a direction of who could help us. 

I have even had Apprisen ( an agency to help people during hard times ) be on conference calls with me to SLS. ( always disclosed ) She too agreed that it is a run around.

Again I am enclosing a great deal of correspondence. Have tried to put in date order. Have separated my correspondence with that of SLS except for the recent foreclosure notice. 

In regard to the foreclosure notice that did not take into consideration I had called in the payment for XXXX the day after XXXX XXXX XXXX in amount of {$880.00}. But again these other additions is what is in dispute. 

Pages 26 - 30 is other correspondence I had written regarding the situation. 

Also am enclosing XXXX emails received from SLS stating they did receive my letters ( Pages 31,32,33 ) but nothing happens. 

SLS is also claiming have an escrow shortage of {$970.00}. I have not had time to go over to verify their numbers. This will be my next project. 

I can certainly need your help. Considering all my attempts I can not get any where with SLS other than their rebuttal in writing which does not match with my calculations. HELP
Product: Debt collection

In XXXX I joined XXXX XXXX, under ABC Financial. I received 6 weeks free, and cancelled my membership after 2 weeks, leaving me with no charges. The membership was never cancelled, putting my account into collections. XX/XX/XXXX, the new club manager, XXXX XXXX contacted me asking if I 'd like to resolve the issue. We agreed that I could pay {$300.00} and he would take my account out of collections and remove the debt from my credit report as long as I stayed a member of the club while paying the {$300.00} in {$50.00} installments. In XX/XX/XXXX I was charged for {$12.00} more than we had agreed upon. I contacted XXXX XXXX and he put {$50.00} towards my {$300.00}. I cancelled that debit card and only paid by check from then on. I paid the remainder of the {$300.00} XX/XX/XXXX. XX/XX/XXXX, my bank account was charged for over {$1700.00}. This charge was unauthorized, and my bank account information was taken from previous checks.
Product: Credit card

On XX/XX/2024, Capital One sent me a statement showing a credit of {$120.00}. I was told that I would receive a check in that amount. Since the Company closed the account after your intervention, having this credit does me no good. I would very much like to have the check for the entire amount to get this matter resolved once and for all.
Product: Credit reporting or other personal consumer reports

This account was opened closed & reopen. Thats a violation & have late payment history not correct & last reported last active this account is not correct but this account was closed how they reopened it cause there just re-aging the account proof in pdf. There comment of dispute in progress not on file thats a violation & its been over 30 days. PDF for proof. PAYMENT HISTORY IS OUTRAGEOUS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have learned that World Finance XXXX owns the referenced debt and is responsible for the credit reporting. 

I did not receive notice of the debt being sold. 

The FCRA requires that industry to report your consumer credit information in a fair, timely, and accurate manner. 

This account is not timely as the last reporting dates XXXX, 2019. In addition, the balance is incorrect. 

I request that if World Finance XXXX is going to report this account onto my consumer report then it is reporting timely, verifiable, and accurate as the FCRA states.
Product: Debt collection

Resurgent Capital Services/ LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am writing to request your assistance in resolving a dispute with Resurgent Capital Services / LVNV Funding LLC XXXX regarding a debt validation issue. Despite my multiple attempts to obtain proper validation of the debt they claim I owe ; the company has not provided the necessary documentation as required by federal law. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I requested debt validation on [ date of request ], which legally obligates the debt collector to cease collection efforts until they verify the debt. 
Specifically, I asked for : A copy of the original contract or agreement that created the debt. 
A detailed, itemized account of all charges, payments, and interest applied. 
Documentation proving that Resurgent Capital Services / LVNV Funding LLC. has the legal right to collect this debt. 

Resurgent Capital Services / LVNV Funding LLC. has failed to comply with my request, as they have not provided sufficient information to validate the debt. Continued collection attempts without proper validation violate my rights under the FDCPA, which protects consumers from unfair and deceptive collection practices. 

I request your intervention to compel Resurgent Capital Services/ LVNV Funding LLC. to fulfill its legal obligation by providing complete and accurate documentation of debt validation. I also ask that any further collection activity be suspended until they comply with the requirements outlined in 15 U.S.C. 1692g ( b ). 
For your reference, I have enclosed copies of my original correspondence with Resurgent Capital Services/ LVNV Funding LLC. and any responses I have received. 

Thank you for your time and attention to this matter. I look forward to your support in enforcing consumer protection laws and ensuring my rights are upheld. 

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

The Fair Credit Reporting Act ( XXXX U.S. XXXX  XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. XXXX XXXX ( 2 ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a incorrect hard inquiry on my credit report I am trying to have removed. The incorrect hard inquiry occurred on XX/XX/2021 and was reported in error to the credit bureaus by XXXX XXXX. I know you can not file a dispute online regarding a hard inquiry. In XXXX of 2021, I communicated in writing with XXXX XXXX regarding the incorrect hard inquiry and they agreed it was incorrect and I was told ( by phone ) they would report to the credit bureau ( Experian ) that it was incorrect but that they had no power to require Experian to remove the hard inquiry. It has been over 6 months now, and the false hard inquiry still remains on my credit report. I have tried to contact Experian by phone and email. The phone number does not allow you to talk to a human being and I have been unable to locate an email for Experian. If they refuse to remove the hard inquiry I would like to have a letter of instruction placed in my credit report to explain that this inquiry is in error. I will be applying for a mortgage in the near future and this hard inquiry is effecting my credit score.
Product: Credit reporting or other personal consumer reports

Why am I still receiving emails from the bureaus claiming XXXX assisting credit repair companies? This is incorrectI send the letters myself. Take action now, or I will pursue legal action. Here is the list of negative accounts and inquiries I want to remove. 

Equifax : XXXX XXXX  XXXX Account Number : XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : U S DEPT OF EDXXXX ( CONSOLIDATED DIRECT LOANS ) Account Number : XXXX {$31000.00} XX/XX/XXXX U S DEPT OF EDXXXXXXXX ( Original Creditor : CONSOLIDATED DIRECT LOANS ) Account Number : XXXX {$22000.00} XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$2400.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I contacted Transunion about a dispute on my credit report from a collection agency called, " XXXX XXXX XXXXXXXX '' and I asked them to have XXXXXXXX XXXX XXXXXXXX provide the original contract obligation that they say this debt stems from. 
XXXX XXXX XXXXXXXX didn't and couldn't yet transunion still has this account listed on my credit report. 

XXXX XXXX XXXXXXXX are currently being sued for fraud in reporting this false debt on my credit report.
Product: Debt collection

This company is harassing me and willfully violating public policy and laws. I reported this debt to the Bureaus as in accurate and demanded they validate the debt. The company has not provided sufficient evidence to prove this debt belongs to me nor have they provided a contract with my signature on it. This debt has also been removed by the credit bureaus and this company continues to re report it. I am now going to sue them because This is effecting my ability to move into a home. This has been going on with this company since XX/XX/2019 and it is now almost XX/XX/2019. The FCRA is crystal clear. This item should be removed immediately because I have no contract or obligation to this debt, I have no idea what is going on my information has been compromised and this is fraudulent.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Robinhood won't let me transfer my funds from the Robinhood account, to my bank. They won't send an in app notification, neither an email citing 'security issues '. They only accept phone text verification, but my phone registered with my RH account isn't used anymore, and I don't currently have a phone number. I've provided them with my ID to show them I'm the lawful owner of the account, but they keep moving me around places never solving anything. 

I have already reported them to the XXXX, and they corrected the issue, but a few days later they returned back to the same thing. I'm now filing a complaint here in hopes they change their unlawful behaviour before I move onto the next step which is a lawsuit.
Product: Debt collection

I paid A-1 credit collections in full amount 2000 something and they promised to take off the credit report and they never did so my credit keeps on Lowering. I paid it last year.
Product: Debt collection

I received a bill from XXXX XXXX even though I never had an account or service with them. My service provider is with XXXX and has been for a very long time. I contacted XXXX and was told they would close the charges against my account as they could not find a wireless telephone number or service usage charges associated with the account in my name. However, XXXX XXXX did not close the account. Now I have been contacted by a debt collection agency XXXX XXXX XXXX requesting I pay {$100.00} for an account that is not mine. Additionally, this account has been added to my credit report. I have filed disputes with the credit reporting agencies and have been unable to get resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple credit disputes with these companies asking them to investigate items on my credit that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results have not abused by these laws.