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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Against First Progress for Violation of IRS Topic 431 - Cancellation of Debt Reporting Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against First Progress [ Insert specific details about the creditor ], concerning their reporting practices related to the cancellation of debt, specifically in violation of IRS Topic 431. 

I recently became aware that First Progress has reported the cancellation of debt as income, which is in direct contradiction to IRS guidelines outlined in Topic 431. According to IRS regulations, canceled debts are generally considered income and are subject to taxation. However, there are exceptions, and taxpayers are allowed to exclude canceled debt from their income under certain circumstances. 

I believe that First Progress has erroneously reported the cancellation of debt as income, and this has led to inaccuracies in my financial records. It is essential to rectify this situation promptly to ensure compliance with IRS guidelines and to avoid any unnecessary tax implications for affected individuals. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate actions to ensure First Progress adheres to IRS regulations regarding the reporting of cancellation of debt. Additionally, I kindly request that you communicate with First Progress to rectify the reporting errors and provide clear guidance on the correct procedures to follow in such cases. 

Enclosed with this letter, please find relevant documentation supporting my claim, including [ list any supporting documents you may have, such as statements, letters, or other evidence ]. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this violation. If you require any further information or clarification, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your time and assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Pinnacle continue to report this account on my XXXX and XXXX reports after this was resolved with the original creditor. I 've called the company was hung up on by XXXX and XXXX. I was switched to a XXXX and a XXXX law, a man answered the phone and sounded very tired and saidthis was resolved over a XXXX ago and said hhe 's not license for the state of ct. Pinnacle refused to help and delete this erogenous information from my credit file.
Product: Debt collection

I have an account with the creditor. I was NEVER contacted to say my account was closed! They just closed it without my knowledge. I called to make a payment and then I was told it was closed. So I didn't pay anything. I had XXXX XXXX!! I called to tell them. How could i pay ANYTHING when im having XXXX. They could have been understanding!! What if this happened to them. Always try put yourself in the other person 's shoes to see how they feel. I have credit cards and NO ONE just closed my acct without me knowing! This was very unprofessional and not fair!! I need my acct open! I will pay it!! It just needs to be opened because I didnt not request for it to be closed! I had XXXX! Be fair to me who had to undergo XXXX! I'm not thinking about a bill on the XXXX XXXX! You have to understand that
Product: Debt collection

My wife and father received calls From XXXX XXXX XXXX regarding a supposed debt owed for Kay Jewelers and left messages on my wife 's, fathers and father in laws voicemails regarding my personal information, supposed debt owed to XXXX and threating to take further action if I failed to call them back. I never gave permission for them to call any of my family members as the date given for this supposed debt was prior to my current marriage. I have told this company on prior calls to remove all contact information for anyone other then myself and have asked for all documentation they have supporting this supposed debt to be mailed to me and it has not so again after todays voicemails left I called spoke to a XXXX XXXX and informed her of the violation as well as requesting the documents again, she informed me she would mail the information and remove all other call numbers. At this point with the multiple violations against my privacy and rights i fully expect this collection agency fined and held accountable and for them to absorb any and all supposed debts they continue to violate the law and calling me for. I am in possession of all mentioned voicemails left. I HAVE REQUESTED FOR NO MORE CALLS AND ONLY TO BE COMMUNICATED WITH VIA MAIL AND EXPECT THAT TO BE HONORED. IF the above is not honored I will pursue further actions under my rights from the FCRA and FDCPA
Product: Money transfer, virtual currency, or money service

Between XXXX XXXX and XX/XX/year>, I fell victim to a multi-layered scam operation run by eternity-trade.life which involved me making deposits for a total amount of XXXX XXXX  from my XXXX  account to fraudulent investment firm ( XXXX ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether XXXX  did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of XXXX  custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether XXXX  promoted the transaction ( XXXX ) in question despite being aware of the nature of the transaction ( XXXX ) in question ( iv ) whether XXXX  was in compliance with its own policies and procedures ; ( v ) whether XXXX  owed duties to myself, what the scope of those duties was, and whether XXXX  did not uphold those duties ; ( vi ) whether XXXX  conduct was unfair ; and ( XXXX ) whether XXXX  has within its power the ability to, and should, compensate me for the harm that has befallen me. 
Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity and properly communicate to the customer that such activity meets the relevant criteria of fraud. 
In providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In other words, XXXX  must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. Such reputable crypto company as XXXX  must have known or reasonably ought to have known that I was dealing with a scammer and warn me of a danger somehow, as their client. None of such action was done. 

Therefore, I request a thorough investigation.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding XXXX XXXX on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an XXXX XXXX report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX we requested a check from square for our money owed almost XXXX dollars. XX/XX/XXXX they confirmed. Was told it would be up to 6 weeks with 10 % being held for 60 days. XXXX weeks has came and gone and we still dont have our money. Squares customer support is a joke, they do not answer questions they have no support team. SQUARE GIVE US OUR XXXX DOLLARS!
Product: Checking or savings account

On XX/XX/2023 I notified XXXX that on XXXX separate occasions, there was fraud on my accounts and someone stole money. On XX/XX/2023 someone stole XXXX out of my account, On XX/XX/2023 someone stole XXXX out of my account. On XX/XX/2023 someone stole XXXX out of my account. They transferred the money to XXXX separate XXXX XXXX transfers. None of these XXXX XXXX accounts belonged to me. All three of these transfers were done online. Synchrony bank has credited my account XXXX back into my account, but they put a restriction on the account and wont let me have access to any of the money until the investigation is completed which could take up to 90 days. I need this money to pay my monthly bills and they won't let me have any of it.
Product: Checking or savings account

ATM withdrawal transaction happened in XXXX XXXX, XXXX XXXX XXXX XXXX ) around XXXX, for {$880.00} I was nowhere near transaction area and I was physically driving at the time of transaction. 
My family and I left our house in XXXXXXXX XXXX  at around XXXX in the morning on Friday XX/XX/XXXX, ( time stamp of my son in the car seat ) to go camping in the desert in XXXX XXXX ( XXXX XXXX ), almost XXXX hours away, pulling a travel trailer only able to drive 55mph. We stopped in XXXX, Ca at XXXX XXXX XXXX ( estimated arrival time XXXX, pic from husband ) to fill tank up with gas and travel trailer with water. Filling up took about 30 minutes, then we were back on the road to our camping spot in XXXX XXXX, which includes a XXXX min drive on a dirt road to our spot. Once we arrived I texted my mom and best friend XXXX to let them know we made it safely with pic of time stamp. 
I called that same Friday the XXXX and was told that I will be getting a new card and my account will be credited with that amount within a few days. I never received anything in my account, so I called again today ( Thursday XX/XX/XXXX ) and was told that my claim was denied and that I could submit some documentation to reverse the claim, which I did, but then chase bank didnt accept my documentation because it had was conversation threads between me and my husband & my best friend about timing and when we arrived at our spot. I have no other type of documentation because I was driving my car, I wasnt in a position to be taking pictures.
Product: Checking or savings account

1. Unable to deposit money into my checking account at USAA. The mobile app will not work with my phone. The web dept has downloaded/hacked into my phone with malware preventing features on my phone from functioning properly. Some of malware caused my phone to overheat and drain battery. It also destroyed some data and applications on my phone. I no longer have conference calling feature. 

2. When I made complaints on community forum, as recently as last 4 weeks ago, banking dept and web support deleted my on line complaints to censure my free speech and due rights under the Bill of Rights and Constitution that I fought for while in military. 

3. I was injured on XXXX XXXX, am 100 % XXXX and injuries are 100 % service connected. Yet USAA will not allow accommodations under ADA. Accomodations dept will not return calls nor answer my calls. 

4. Because I have been unable to make deposits to my account USAA banking has imposed several NSF charges against my account and charged hundreds of dollars in fees and refused to make accommodations even though I am a senior ( 66 years ) with documentex neurological dysfunction as part of a service connected XXXX and have memory loss. Instead of assisting me they are stealing my money and using my XXXX against me, acting as a sreet thug would preying on XXXX seniors. The CEO 's office has been directly communicated witg conerning all above issues and refused to intervene. 

5. USAA refuses to comply with California law requiring all foreign corporations to maintain a local agent for service of process so that we can bring suit in California for state law violations, including fraud, breach of contract and failure to follow banking regulatuons. USAA had destroyed my cell phone and refused to repair and process insurance claims. 

6. Banking Dept at USAA has lied to me, hung up on me, refused to accept my phone calls and deleted my online complaints about above issues even when I was trying to report stolen wallet and credit cards and fraudulent transactions.
Product: Checking or savings account

I received XXXX XXXX XX/XX/2021, CItibank closed my account and i was told that my loan will be returned to XXXX. XXXX has not received the loan till this moment and each time i call the bank i hear the same response. XXXX could not re-issue loan because Citibank did not return the loan back.
Product: Prepaid card

Received a call from some named XXXX with XXXX stating my card hacked and he would be my handler and at the end accounts used funds would go back to my account. I was told to purchase gift cards and i did so. My computer was compromised by XXXX and i was told to take picture of gift cards. I have in my possession all cards purchased. The bank cards used were XXXX XXXX, XXXXXXXX and M & T. The cards used XXXX XXXX and XXXX cleared me and M & T is holding me to make {$260.00} monthly payments {$7500.00} gift cards. I have been a customer with M & T for at least 40 years
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX after checking my credit report I noticed that this file from XXXX appeared. It is not mine, so I disputed it. Additionally, I contacted XXXX and they agreed that the account in question was not mine and agreed to request its removal. This account was removed from both XXXX  and XXXX XXXX however it remains on Experian. I contacted Experian several times and as of date they still have this account on my credit file damaging my credit. They state that the account was verified, however as you can see it could not possibly be verified. Experian is deliberately violating my rights under the FCRA by reporting invalid unverified information and alleging it is having investigated this which obviously it had not. Please see attached proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft SYNCB/PPC Account Number : XXXX This is not mine. 

2. Identity Theft 11 XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative
Product: Debt collection

I had a credit card with XXXX 's XXXX for two years never had a late payment. My bill was due the XXXX of every month. Unfortunately, XX/XX/XXXX I had a XXXX in my family and had to go out of town for a couple of weeks. I somehow missed my payment due on the XX/XX/XXXX but, paid it on XX/XX/XXXX after I got back in town after the funeral. The next day I received a letter in the mail from XXXX XXXX XXXX stating that I was 30 days late and my account was closed. I called customer service and the rep stated that my account was closed due to non-payment and they could not reopened my account but if I waited a year they might reconsider.
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase that I manage on my mobile phone. One time the phone got lost and I called in to lock the account. Then, after the phone was found, I am having a lot difficulties recovering my account and profile. It has been over 2 weeks since that happened and I can't get into my account and make any transactions. I contacted the company numerous times on this issue. Very frustrating since I missed a lot of opportunities with my funds. Please help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify this claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of item that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$2500.00}.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXXXXXX XXXX  Account # : XXXX XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.