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

I sent a letter to TransUnion dated XX/XX/2021 requesting the accounts showing on my credit report for XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, and XXXX XXXX be validated or removed from my credit report. The items continued to report the following month after TransUnion 's 30 day investigation. I sent another letter dated XX/XX/2021 requesting verifiable proof of the accounts that were showing on my credit report for the accounts listed as XXXX XXXX, XXXX  XXXX, XXXX/XXXX, XXXX XXXX, and XXXX XXXX. In the letter dated XX/XX/2021 I also requested the original contract with my signature be provided to me to show I am responsible for these alleged debts as I am entitled to receive according to the FCRA under Section 609. As of today, XX/XX/2021, I have not received anything in writing to show verifiable proof that I am responsible for the accounts showing for XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, and XXXX XXXX on my credit report. Without proof and my signature to show I am responsible for these alleged debts, TransUnion is allowing anyone to furnish them with information stating it is about me and alleging to be my debt. TransUnion has violated my consumer rights by reporting this unverifiable information on my credit report.
Product: Credit reporting or other personal consumer reports

Form 1099-C is a tax form used in the United States to report cancellation of debt ( COD ) income to the Internal Revenue Service ( IRS ). Here 's an overview of what Form 1099-C entails : Purpose of Form 1099-C : Cancellation of Debt : When a creditor forgives or cancels a debt owed by a borrower, the amount of forgiven debt is generally considered taxable income to the borrower. 

Reporting to the IRS : Creditors are required to report canceled debt of {$600.00} or more to the IRS and provide the debtor with a copy of Form 1099-C. 

Information Included on Form 1099-C : Debtor Information : The form includes the name, address, and taxpayer identification number ( usually the Social Security number ) of the debtor. 

Creditor Information : It includes the name, address, and taxpayer identification number of the creditor. 

Amount of Debt Canceled : The form reports the amount of debt canceled or forgiven by the creditor. 

Date of Cancellation : The date on which the debt was canceled or forgiven is also reported. 

Identifying Information : Form 1099-C also contains various codes and identifiers used by the creditor and the IRS for tracking purposes. 

Tax Implications for Debtors : Taxable Income : The amount of canceled debt reported on Form 1099-C is generally treated as taxable income to the debtor, unless an exception applies. 

Exceptions : There are certain exceptions and exclusions that may apply, such as bankruptcy, insolvency, or qualified principal residence indebtedness. 

Reporting on Tax Return : Debtors must report the canceled debt amount on their federal income tax return and may need to file additional forms or schedules depending on their specific circumstances. 

Importance of Form 1099-C : Tax Compliance : Form 1099-C ensures that canceled debt is properly reported to the IRS for tax purposes XXXX helping to maintain tax compliance. 

Recordkeeping : Debtors should retain copies of Form 1099-C for their records and use them when preparing their tax returns. 

Tax Planning : Understanding the tax implications of canceled debt can help debtors plan their finances and taxes accordingly. 

In summary, Form 1099-C is a crucial document used to report canceled debt to the IRS and determine the tax consequences for debtors. It's important for both creditors and debtors to understand their obligations and rights related to canceled debt and to comply with IRS reporting requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

They ran my hard credit and lost the application or never processed it. 
They refuse to remove credit inquiry and was advised to file report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX, entered my info, selected Experian, and immediately received an error message telling me to submit my request by mail ( screenshot attached ). Experian is required to make credit reports available online via a **WORKING** web site, which they don't. This has been a continual problem and they need to be fined for their lawbreaking behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has a collection on my file from XX/XX/2012. The account number is XXXX for {$1900.00}. I disputed this item and the bureaus left it on my file. I have now contacted XXXX FIVE TIMES. I gave them the account number from the credit bureau file and all of my personal information. They can not find this account in their system.

How is it possible that the bureau sends a dispute to XXXX and XXXX sends back verification OF that dispute and it remains when XXXX can not locate it with their account number or my social security number? Or do the bureaus even send this dispute to XXXX? Perhaps they just leave all XXXX items on the file without the dispute process?

How is it that a consumer can be held hostage to a collection account that they are unable to pay? Is this like a phantom parking ticket? Or perhaps a loan sharking loan where there is no record of the loan?

CFPB should publish this. How often are consumers ripped of their rights like this?
Product: Debt collection

After notification of a collection debt on my records, I sent debt Validation letters to Capital Accounts 3 times. I sent one through email XX/XX/2022 and two certified mail on XX/XX/2022 and XX/XX/2022. Each time Capital accounts has failed to validate my debt. Instead, they sent a list of my medical records which I know is in direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous disputes submitted on dates XX/XX/year>, XX/XX/year> and XX/XX/year> regarding fraudulent accounts that remain on my credit report despite clear evidence provided that they are not mine. I have attached copies of my original dispute letter and supporting documentation for your reference. These accounts in question are as followed ( see attachment ). Under the fair credit reporting act ( FCRA ), the credit bureaus are required to conduct a reasonable investigation of disputed items and remove unverifiable or fraudulent information. To date I have not received a satisfactory resolution or explanation regarding these disputes. As further evidence of fraud, I have included a copy of my driver license, proof of address, and FTC identity theft report. Please conduct a thorough investigation into these accounts and provide a written explanation of the steps you have taken to verify their accuracy. If the accounts can't be verified, I request that they be promptly removed from my credit report. Failure to address this matter promptly may result in other appropriate authorities. I look forward to your resolution of this matter, Please provide a response in writing within 30 days, as required by the ( FCRA ).
Product: Credit reporting or other personal consumer reports

While checking my credit report a few months back, I noticed errors concerning the account for JPMCB CARD ( XXXX ). This is a violation of my rights. I contested these errors with the XXXX credit bureaus and the creditor, yet I received only vague responses. Therefore, I am submitting this complaint based on my research. The company is in violation of sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete. 
15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have freezes on my credit at all three reporting services because my personal information was released by Equifax in XXXX breech. 
On XX/XX/XXXX my credit freeze was removed by Equifax without my consent and someone tried to open credit accounts with my information. XXXX XXXX notified me about this. 
I contacted all of the companies that inquired and one contacted me. No credit was given in this case. 
Equifax had sent me a 10 digit code in XXXX after I froze my credit. 
In order to un-freeze my credit, I would have to call and give them that code. 
I never contacted Equifax but my credit was un-frozen. 
When I learned of this, I contacted Equifax to re-freeze my credit. 
It's an automated system now and all you really need to freeze or Un-freeze my credit is my SS # which is out there because of Equifax. 
I have placed a fraud alert at the 3 reporting services. 
Equifax freeze/un-freeze procedure does not protect my credit information.
Product: Mortgage

My husband and I bought our new construction home in XX/XX/XXXX. We prepaid our property taxes on the unimproved property upon closing, and were told by our lender that we would not get a tax bill until XXXX. In XXXX of XXXX, we received notice from our mortgage servicer ( Specialized Loan Servicing ) that property taxes had been paid on our behalf in the amount of {$6800.00}. This was an incorrect payment as this was A ) the tax amount for the entire parent parcel of land our house sits on and B ) already paid by the XXXX corporation that owned the parcel 3 weeks prior. We were eventually refunded the money by XXXX of XXXX. To this day, we have not been told by the servicer why this payment was ever taken out of our escrow account. 

In XX/XX/XXXX, our servicer changed platforms to Newrez, and our mortgage was taken from our bank account twice. I had to reach out to customer service regarding the error, and it took 5 days for our refund to hit our account. 

In XXXX of XXXX, an annual escrow analysis was conducted and the incorrect property tax information was used from XXXX due to the situation described above. A significant escrow shortage was calculated, and as a result our monthly payments increased by about {$700.00} per month. We updated our tax information with Newrez and requested a new escrow analysis to reflect the correct tax amount. I was assured on XX/XX/XXXX by a customer service representative that this would be done by or before XX/XX/XXXX, and we would no longer have recurring payments taken out until this problem was resolved and the correct payment amount is reflected. On XX/XX/XXXX, the amount of {$3000.00} was taken from our bank account after recurring payments were supposedly stopped, and on a call with Newrez customer service on XX/XX/XXXX, I was told that the escrow analysis had not been conducted and recurring payments on our account were still active. When I asked about the payment that had already come out, I was told that nothing can be done until the new escrow analysis will supposedly be complete by XX/XX/XXXX or XX/XX/XXXX. Even then we were told we could " request '' a refund, but was not given a guarantee that we would get the difference of the two payments ( the usual amount of {$230000.00} and the incorrect amount of {$3000.00} ) back.
Product: Credit card or prepaid card

I was contacted by a phone number from XXXX, FL on XX/XX/23 at XXXX that left a voicemail. The voicemail stated that they were Wayfair customer service and that there was a question regarding recent charges to my credit card account. I was asked to provide my account number, and security code from the card when returning my call to this number XXXX. I do believe this number is a scam because I did receive the items I have purchased on this newly opened account from Wayfair.
Product: Debt collection

After closely analyzing my recent credit report, I identified several accounts that seem to be inaccurate and were included without my knowledge.
Product: Credit reporting or other personal consumer reports

Subject : Response to Inquiry Regarding Account Validation To Whom It May Concern, I am writing in response to your letter dated XX/XX/XXXX, regarding the referenced account allegedly acquired from XXXX XXXX. I appreciate your compliance with my previous cease and desist request but remain concerned about the insufficient validation provided to support your claim of ownership and my obligation to pay this debt. I HAVE NEVER AND DO NOT CONSENT TO DO BUSINESS WITH LVNV FUNDING LLC, NOR DID I CONSENT TO USE MY NAME AND PRIVATE INFORMATION, NOR DO I HAVE ANY CONTRACTS WITH SAID PARTY. 

It is my position that the documentation provided does not meet the requirements for proper validation as outlined under the Fair Debt Collection Practices Act ( FDCPA ). Simply stating that the account was purchased and providing account details does not constitute sufficient evidence to establish your legal right to collect the debt. Specifically : 1. Proof of Ownership : While you claim the account was acquired on XX/XX/XXXX, no documentation has been provided to prove that LVNV Funding LLC legally acquired the account from XXXX XXXX  with all rights and title to collect. A generic purchase agreement or similar document is insufficient without specific reference to my alleged account. 
2. Account Documentation : You have not provided a full and complete chain of title for the account, nor have you produced the original signed credit application or a detailed accounting of all transactions ( including charges and payments ). This is necessary to demonstrate the accuracy of the debt balance and its assignation to me. 
3. Validation Standards : Under the FDCPA, you are required to provide specific evidence substantiating the debt. This includes, but is not limited to : Original creditors name and contact information. 
A signed agreement or contract obligating me to repay the debt. 
An itemized account history detailing the principal, fees, interest, and any other charges. 

Until proper validation is provided, including evidence of ownership and documentation substantiating the alleged balance, I dispute this debt in its entirety. I further reiterate my previous request to cease all communication, in compliance with my rights under the FDCPA. 

Should you continue to report this disputed debt to the credit bureaus without proper validation, I reserve the right to escalate this matter, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and potentially pursuing legal action for violations of federal law. 

If you believe this debt is valid, please provide the requested documentation within 30 days. Absent such evidence, I request that you cease reporting this account to the credit bureaus and confirm in writing that the matter is closed. 

Sincerely, XXXX XXXX XXXX. 

This letter is assertive yet formal and clearly outlines the lack of sufficient evidence provided. Ensure you keep a copy of the letter and send it via certified mail with a return receipt for proof of delivery.
Product: Credit card or prepaid card

I paid flying travelus {$970.00} using my PayPal credit card on XX/XX/XXXX for a travel ticket to XXXX from XX/XX/XXXX and returning on XX/XX/XXXX. I didn't get the ticket and I contacted the agent and I was told that PayPal refused to pay them. 
The agent gave me a XXXX XXXXXXXX XXXX account to make a deposit of {$950.00} into their bank account on XX/XX/XXXX. After, making the deposit, the agent didn't deliver on our agreement. After 7 days of constant calling to the agent, he sent me a XXXX airline ticket that was later cancelled the next day. I contacted PayPal on XX/XX/2017 and told them to cancel the transaction because the seller couldn't deliver on our agreement. 
I received a letter from PayPal that they would need more evidence because the seller submitted evidence that he delivered the transaction. I sent the cancelled XXXX airline ticket to PayPal plus other fake tickets that the seller sent to me and a Bank slip that I later deposited the cash to the sellers company 's account at XXXX   XXXX XXXX in XXXX XXXX, NY. 
I received a second email from PayPal that they would deny my claim because they could not find any misrepresentation with the seller. I called them and asked them to contact delta airline if they would like to know if I am telling them the truth. I was told to submit a police report after I told them that I had reported it to the XXXX first precinct. 
I sent PayPal the police report plus the fake ticket and my new purchased ticket on XX/XX/2017 before I travelled to XXXX on XX/XX/XXXX. I got an email from XXXX on XX/XX/XXXX while I was still in XXXX for my wedding that they are denying my claim after their investigation because they do not see any misrepresentation with the transaction. 
I can not understand what they mean after all the evidences plus police report instead they went ahead and released payment to the seller for a transaction that they didn't deliver plus i had already deposited the money to therheir bank account for the same transaction. Now, PayPal is expecting me to pay for a transaction that I didn't receive plus I had lost {$950.00} by making the deposit into their XXXX XXXXXXXX XXXX account and now {$970.00} for PayPal. The claim number is XXXX with PayPal.
Product: Checking or savings account

On Monday XX/XX/XXXX, my account was mysteriously restricted by SoFi after I received a loan from my job to pay off my rent. They never gave a clear reason why they restricted my account they just did it. XXXX, the next day via email, They lifted my restrictions and told me that there was an error on their end and they apologized. Maybe 4-5 hours after they restricted it AGAIN and still havent told me why. But theyre closing my account. I have hard earned money saved in that account and have lots of bills that are due.
Product: Prepaid card

I received this American Express prepaid card yesterday ( XX/XX/XXXX ) with a balance of {$300.00}. The card itself was bought on XX/XX/XXXX ( XX/XX/XXXX ) according to the transaction history. My first purchase attempt was last night, on the XXXX website, but the purchase did not go through, even though the transaction cost was {$110.00}, which is within the balance of the card. Today, I attempted to use it for a purchase at the XXXX XXXXXXXX XXXX. This transaction declined twice. The card now has {$290.00} after two XXXX transactions ( which I don't understand, because I don't know how XXXX works ). The transaction I planned on purchasing through the XXXX XXXX XXXX  was for {$37.00}, which is much less than the balance on the card. I don't understand why this transaction wouldn't go through, as well as the XXXX XXXX last night.
Product: Payday loan, title loan, personal loan, or advance loan

This account is a charge off account where a third party took over the debt and they have garnished my wages. I have reached an agreement with the third party where they only garnish my wages for an amount of {$300.00} per pay period. This agreement was signed in XX/XX/2024, and the third party has breached our contract of taking more wages than what was agreed upon in month of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I disputed a collection account that claimed I owed for pet severe damage to a carpet in the sum of {$1900.00} reported by a collection company called XXXX. XXXX. I had issues uploading supporting documents to Experian showing that my son and I are both allergic to pets. There is also proof in my lease agreement that I never owned pets. I was ever fined or charged any pets fees over the course of my stay at the apartment. I was finally able to upload documents XX/XX/2018 yet Experien will not reinvestigate I had even called a spoke with someone personally XX/XX/2018 and he said they would reinvestigate and the investigation was complete the next day. If Experian doesnt resolve they will be included in my lawsuit against the debt collector and the original creditor. 
Prior to all of this we tried resolving with original creditor and in return were ignored and sent to collections, tried to explain to collection agency, and now Experian has failed to do their investigation properly. 
As you will also see I have proof that we did a walk through with the apartment, they told us we didnt need to clean the carpet as they have a professional carpet cleaning company. During the walkthrough they mentioned NOTHING about the carpet needing to be replaced, yet replaced the entire carpet when we moved out. I have attached photos.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing XXXX on my report twice I paid this and one shows paid and one shows not paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I faxed my IDs & request for my NCTUE report, I was mailed a letter dated XX/XX/22 asking me to submit my IDs for verification proof? 

So on XX/XX/22 I again faxed my IDs & requested my NCTUE report. 
I received nothing from NCTUE So again on XX/XX/22 I faxed my IDs & again requested my NCTUE report, I received nothing. 

I have included my last fax and NCTUE letter.
Product: Checking or savings account

On XX/XX/2023, I received an e-mail from " XXXX, Chime CEO '' ( XXXX ) saying an account at chime was opened in my name. 
Within 60 minutes I contacted chime, who asked for more personal identifying information ( SSN, DoB ), which I had never provided them and would not give to them. They could not help resolved the issue or confirm that the account had been immediately closed/canceled. 
While still on the phone with Chime " fraud department, '' I received a second e-mail from Chime saying my e-mail address had been changed. I did not change this. Chime could not provide any information on this change. 
I was told my case has been escalated and I would be notified by e-mail, they claim to my original e-mail. 
I have no faith they will resolve this.
Product: Credit reporting

I SUBMITTED TO TRANSUNION 3 TIMES AND THEY ARE NOT REMOVING AND KEEPING UPDATING THE STATUS DATES. ALL THREE COLLECTIONS ITEMS ARE INCORRECT AND NOT MINE. I 'VE REQUESTED PROOF FROM THEM AND NOTHING HAS BEEN SENT!
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have initiated a multiple disputes with Equifax over the past few months to remove unauthorized Inquiries they have failed to fully validated that I initiated. It has been well over the 30 days given for Equifax to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to Equifax including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized Inquiries belongs to me aswell. Below are the reporting Inquiries that should be Removed / Deleted from my Equifax credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX/XXXX - Date Filed : XX/XX/XXXX 3 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX Equifax Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX XXXX, GA XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX