23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX  Iowa Student Loan ( Aspire ) issued me a 1099c. The identifiable event code was blank. After many months, ISL finally sent a SECOND 1099c it listed the identifiable event as XXXX XXXX  - a discharge of indebtedness under agreement between the creditor and debtor. To be able to appropriately address tax liability I have requested a copy of the agreement that triggered this event. ISL/Aspire refuses to provide such documentation and also refuses to update the 1099c to correct the identifiable event because no settlement agreement exists. After filing a prior CFPB complaint about this issue, Aspire provided the following response : XXXX XXXX signed a promissory note and agreed to the terms as outlined in the credit agreement when she applied for the private education loans. Copies of the signed promissory notes and credit agreements were sent to XXXX XXXX in XX/XX/2018 notifying her that the balance on the loans had been written off, but we are resending them directly to her again along with a copy of this response. The credit agreements were issued under Iowa law, and they clearly identify the provisions for default. Under Iowa law, the statute of limitations for collecting on unpaid debt that stems from a written contract is 10 years. Because payments were not received from XXXX XXXX in that time period, the debt went out of statute. As a result, Aspire Servicing Center wrote off the loans on XX/XX/2018. At that time, the IRS required the issuance of the 1099-C. The 1099-C was provided to both the IRS and XXXX XXXX for the XXXX  tax reporting season. Box 4 contained student loan as the debt description and provided the date of the identifiable event in box 1. If XXXX XXXX has additional questions, she should contact Aspire Servicing Center at ( XXXX ) XXXX between XXXX XXXX and XXXX XXXX  ( Central time ) Monday through Friday. 


As you can see the XXXX  1099c issued does not list the CORRECT indefinable event code that aligns with Aspire 's response to my prior complaint. IF what they are stating is accurate and the 1099c was issued because the debt went out of statue than a CORRECT XXXX  1099c needs to be issued to show an identifiable event code of C ( Statute of Limitations ). As a result, ISL/Aspire is purposefully and willfully damaging my credit and causing severe tax consequence as I have had to set up a payment plan with the IRS until this is resolved.
Product: Credit card

My wife and I both signed up for our own individual credit account. it was based off an offer 0 % interest a fee waiver for the annual fee and bonus miles after a certain amount of money was spent. I received a high credit score of XXXX I also happen to obtain a large limit from the slender and on top of that they waive my fee. Yeah were tied it was for 0 % interest which they gave to my wife 's account and did not get to my account. When I question their practices and even offered my wife 's account information so that they can compare and contrast the XXXX accounts they refused to take her information and merely told me in writing that I had the best offer available. his peer to be a lackluster investigation is no one ever talk to me about what I ended up signing up for it was merely just a description and nothing more was done no remedy was offered. I have since close the account and will pay off the entire {$9000.00} balance this week which demonstrates my Credit worthiness.
Product: Credit card or prepaid card

I paid {$30.00} on this account, which was the amount due every month, before the due date.i was promised a increased, for no apparent reason, in addition to being charged {$99.00} a year and {$10.00} a month.Well after I made the payment, of $ XXXX.I decided to close this account. I never received a bill for {$37.00}, which they say was due and not the {$30.00}, which sound suspicious. I received a call stating you should have paid {$37.00}, not {$30.00}, and we are going to charge you {$29.00} late fee.I have been billed {$71.00} for the month of XX/XX/XXXXI am not going to pay, these people are scammers and take advantage of people with less than perfect credit.There was no description of a {$71.00} charge.
Product: Credit reporting

TRANSUNION REPORTS XXXX, XXXX XXXX XXXX, ACCT. XXXX ON MY CREDIT REPORT.ON XXXX/XXXX/2016 THE ACCT WAS SETTLED FOR MORE THAN THE XXXX REPORTING ( SEE BANK STATEMENT ATTATCHED ) .SO A FEE WAS ADDED BY XXXX.THE AMT. AND DATE PAID ARE NOT LISTED ON THE CREDIT REPORT.IN CALIFORNIA ANY FEE IN EXCESS OF THE COLLECTION AMOUNT MUST HAVE BEEN LISTED ON THE ORIGINAL CONTRACT ; OTHERWISE IN CALIFORNIA, AS IN THE CASE HERE, THE FEE CHARGED ON XXXX/XXXX/2016 WAS ILLEGAL.IF THE CREDITOR THINKS ITS LEGAL PUT THE TOTAL AMT PAID AND DATE PD ON THE CREDIT REPORT
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts in my file. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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: 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 : # XXXXXXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX  XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX All these accounts have 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no customer 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.

15 USC 6802b ( 1 ) ( b ) States : the consumer should be given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ( Opt Out option was not disclosed or was i ever given notice )
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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 Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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

I can't even open a bank in my name this is XXXX
Product: Checking or savings account

I went to chase bank branch on XX/XX/year> and deposited a check for {$53000.00}. The bank closed my account on the same day the funds were deposited. I called and they told me to reach out to have the person who issued the check put a stop payment. My XXXX  advised the check was cashed by chase. I immediately called chase asking where my funds were. They said they will issue a cashiers check. I still have yet to receive my funds. Every time I call the customer service department someone tells me something different but I still do not have my {$53000.00}! I need help recovering my money. Chase stole this money from me and will not give it back. Their reps are not knowledgeable at all! Please help me recover my funds!
Product: Mortgage

Several Months ago I filed for a home loan modification. The company SLS has our mortgage, they are somewhat new to us. I have taken the liberty multiple times of sending in every document they requested of us. I spoke to our representative XXXX, just before the XXXX XXXX holiday. XXXX assured me since I have submitted the same docs over and over they had everything they need to put our case under review. I have not worked since XX/XX/XXXX2016. I look in our mailbox today receiving a packet stating they could not review any of the modification options because we did not send in all of the documents they requested. What I found out is, if the documents are not sent in full each time they request a certain document ( s ), our documents are not saved in their system in a file assigned to us, and they are losing sensitive data with all of our personal information disclosed. I am out of options and tired of repeating my efforts for the fifth or sixth time I need someone to intervene!!! My name is XXXX XXXX our home address is XXXX XXXX XXXX XXXX, CA. XXXX. My mobile number is : XXXX I am caring for my dad who is a victim of elder abuse and going to work right now is not an option. Our household income is limited and I need help desperately. My husband is working XXXX jobs at time 7 days a week to sustain our home and we have a graduate XXXX. I am overwhelmed, heartbroken, and spent. The Company is Specialize Loan Servicing XXXX XXXX XXXX. XXXX XXXX XXXX XXXX CO XXXX XXXX # is XXXX XXXX XXXX Please help
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX disputed XX/XX/year>. No updates received.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion has the following items as negative ... XXXX  XXXX, XXXX, XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the unauthorized reporting of the accounts below has violated my federally protected consumer rignts to privacy and confidentiality under 15 USC 1681 : 1 ) Account name : XXXX XXXX XXXX 2 ) Account name : XXXX XXXX BANK XXXX XXXX XXXX XXXX  4 ) EQUIFAX 5 ) XXXX The companies listed above have 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

I 've noticed my XXXX XXXX go down then up then down ( due to an account consolidation - which I understand ) but after it went back up it should NOT have gone down again. 

I wanted to check my credit report due to the security breach and I can not get it from my free annual report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I sent a letter to challenge the accuracy, compliance and reportability of the listing in my credit report they have failed to provide me any original documentations associated with this accounts, bearing my signature. In the absence of any such documentation bearing my signature they have taken advantage of me it has been stressful for me to get finance and have violated my rights under Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) the accounts that i disputed have not been deleted under my credit report it has been over 60 days Equifax and XXXX have not provided any original documentation with my signature with the unknow debts that are reporting in my credit report i demand these accounts to be deleted
Product: Credit card or prepaid card

I initially contacted the company in regards to a charge on the account that was not honored at the location. They responded with a company generated mail stating that the charge was valid because it was made through my account. Responding to that, I stated it was in fact made by my account, however it was not honored at the location. I was told that the tickets were already used. I told him it was not possible because I just arrived. The clerk stated that I can dispute it but i would have to purchase another ticket to get in. I went to purchase another set of tickets with my spouse 's card and was told by that clerk as well to dispute the charge when i get home. 

I showed documentation that I had paid for the tickets via other to the card company, but I was responded to with the same merchant documentation that it was non refundable and that the tickets was emailed to my account. I responded again telling them that I 'm not disputing that I did n't make the purchase, I 'm disputing that I was not allowed in with the tickets that were provided. They responded with " we are sorry your dispute did n't yield the resolution you desired '' and closed the case. 

I do n't believe anyone actually looked into the case, because if they did, they can see that the documentation that the merchant provided was computer generated. Further Discover themselves generated their own non human response and called it a day. 

My only thought is that I made the purchase on a public computer at my hotel. I also printed the tickets there as well where I initially had problems printing.Neither I or the hotel can be sure that this was the reason to this, but the park also did not request ID upon entrance. So basically if anyone had access to that wrong printout, they were able to enter the park in place of me, leading to my ticket, if i went after them, to be invalid. 

Please help with this situation, this is a substantial amount and is not something that can just be paid off by me and just move forward, especially when i had to pay twice for it.
Product: Student loan

I have a private student loan with Navient, took out a loan for roughly XXXX and was told to move these loans away from the Federal Plan they were enrolled in and at the time of 2006 roughly. Recently had graduated and was struggling to live with the economic times and other debts so I listened to Navient and enlisted in the program they gave me not knowing I could have been paying {$0.00} dollars through a income driven payment plan. I have been paying off an on, on the loan for roughly 15 years of time and for the past 7-8 years have been more consistent with those payments but still own more than I have ever taken out roughly XXXX dollars. It is a never ending cycle. My husband and I our both XXXX in Virginia. I am a XXXX XXXX and am looking for help however I can get it. I know about the lawsuit with Navient and feel that I meet the criteria for loan forgiveness, but have no way of knowing if I am on the list or not.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  the following accounts XXXX XXXX XXXX XXXX XXXX {$560.00}, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$5300.00}, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$7700.00}, 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 602 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX cleaned all Fraudulent Accounts off my report. You guys started in XX/XX/XXXX removing a fraud account but there are more ties to that one I enclosed down below.
Product: Checking or savings account

A check was written last year in XXXX XXXX in the amount of {$650.00}, for a house that I was renting at the time. I've tried to stop payment on the check due to the fact that the check was lost as per the landlord at the time. I tried stopping the payment on the check with Wells Fargo, the representative told me not to worry about it due to the fact that the check is past 180 days, and that it would be no way possible to cash if it was found. The person has been compensated already for that amount. I check my account on XXXX XXXX to find out that the check had just been posted to my account 15 months later. I have spent countless hours on the phone with every department in that facility. Some representative agreed that the check should not have been cashed being that it was expired and I would receive my money back. I wasn't issued a provisional temporary credit as the representative stated from the moment the claim was filed. I have spent every single dollar that I have earned trying to resolve this issue. I have driven XXXX plus miles making daily deposits to this bank because of their negligence. They failed to do an investigation the correct way, not to mention the check was also tampered with as well. The customer service department have no consistency of policy and the way the bank handles situations that occur. I kept getting transferred to different departments over the course of the last 12 days. I am constantly told that I will receive a call back in 24-48 hours. I have had 4 XXXX and counting due to the stress this issue has caused on my life as well as my family. I have spent unnecessary money and time because of Wells Fargo accepting an expired check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I was never late on accounts listed above, please show me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete the alleged late payments from my credit report. This is an invalid late payment. The FCRA allows 30 days for this to be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my car with XXXX XXXX was illegally repossessed due to a billing error in their system. Although I received the car back the next day, they still placed a repossession on my credit resulting in a loss of 71 points. It took me 5 months for them to remove the repossession, but I never got my points back. This happened AGAIN on XX/XX/XXXX. It took almost XXXX of endless calls and fighting to get it removed a second time, with me losing another 64 points. Again, none of the agencies ever restored the points back. Then they REMOVED the car from my credit reporting. Please help, as neither the Credit Bureaus or XXXX will fix this major issue.
Product: Money transfer, virtual currency, or money service

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 there 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 regulations E. THESE ACTIONS HAVE CAUSED SIGNIFICANT INCONVENIENCE & financial loss, and I seek appropriate Redress for these violations