23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Hello, Memorandum For Record : Settled Charge off Account without an issuance of a 1099C. Requesting a 1099C on the account listed below. 

This is a follow-up to the letter I received about the charge-off account ( XXXX ) That I never received a 1099C. If this account is not indeed charged off please provide the detailed information to settle this account and so I can notify the IRS this account balance will not be counted as income due to it not being charged off filed on your companys 2015 tax return. 

1. Per the CRA and attached documents Account XXXX was settled and {$13000.00} was written off. This account was changed from a receivable to a lost in Santanders accounting books. Santander has to report this lost to the IRS to receive a Tax Credit. 

The definition of a Charge off is : " The creditor ( Santander Consumer USA ) changes the account from a receivable account to a lost in SANTANDERS accounting books. This lost has to reported to the IRS in SANTANDERS corporate Tax return to receive a Tax credit for the lost. 

The IRS Definition of an 1099C is used to declare amounts of {$600.00} or more that is forgiven or canceled by a lender or creditor, including the abandonment of secured property or a foreclosure. 

There is a Reference Guides used that describe the detail of the 1099c : A. ( Bankruptcy ) B. ( Other Judicial Debt RelieD C ( Statute of Limitation or Expiration of Deficiency ) D. 
( Foreclosure Election ) | ( Debt Relief Erom Probate or Similar Proceeding ) E. ( Bv Agreement ) G. ( Decision or Polisy to discontinue Collection ) This triggered an issuing a 1099C to the IRS and to the Debtor ( XXXX XXXX ). 

I have not received a 1099c to apply to my Income Tax as XXXXncome. I have not received a 1098c to apply to my income tax as income. I also verified with the IRS if I have any 1099c that was issued to ( XXXX XXXX ). XXXX XXXX informed me that I have no 1099 that have been reported to the IRS.

I have not received a 1099C from Santander that bring into question why have I not received a 1099c on this charge off account? 
Please have 1099c form uploaded or a complaint will be filed with the IRS to have your companys 2015 tax return audited. 

Please have 1099c form uploaded here. Do not mail it!!!
Product: Mortgage

when applying for modification Bank of America hired Recontrust to begin foreclosure Recontrust never licensed in AZ We were forced to sign a loan modification Our original mortgage was {$330000.00} Bank of America added another {$110000.00} deferred Now sold the loan to XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Experian and XXXX for Non-Compliance with the Fair Credit Reporting Act ( FCRA ) Dear Sir or Madam, I am filing a formal complaint against Experian and XXXX for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to delete an inaccurate charge-off account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) with the following details : Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Despite disputing this account five times and providing evidence that it is inaccurate or unverifiable, Experian and XXXX continue to report this charge-off on my credit reports. It is important to note that XXXX has already deleted this account from my credit report, further demonstrating its inaccuracy. Violations of the Fair Credit Reporting Act ( FCRA ) 1. Section 611 ( a ) ( 1 ) ( A ) : Failure to Verify or Delete Disputed Information According to this section, credit reporting agencies ( CRAs ) are required to investigate disputed items and verify their accuracy within 30 days. If they can not verify the information, they are obligated to delete it. Experian and XXXX have failed to meet this obligation, as no verifiable evidence has been provided to substantiate this account. 2. Section 609 ( a ) ( 1 ) ( A ) : Right to Access Information I requested documentation validating this charge-off, including evidence of its legitimacy and accuracy. Neither Experian nor XXXX has provided the required documentation, further violating my rights under the FCRA. 3. Section 623 ( a ) ( 1 ) ( B ) : Reporting Accurate Information The FCRA mandates that furnishers of information, such as XXXX XXXX XXXXXXXX, ensure that the data they provide is accurate and up-to-date. Since XXXX has already removed this account due to its inaccuracy, Experian and XXXX continued reporting of the account suggests negligence in ensuring the accuracy of the information. 4. Negligence and Harm to the Consumer The ongoing reporting of this charge-off has caused significant harm to my credit score and has negatively impacted my ability to obtain credit on favorable terms. This failure to act in compliance with the FCRA represents negligence on the part of Experian and XXXX. Requested Action by the CFPB I am seeking immediate intervention by the CFPB to : 1. Direct Experian and XXXX to delete the inaccurate charge-off account from my credit reports. 2. Conduct a thorough investigation into Experian and XXXX non-compliance with the FCRA. XXXX. Enforce penalties if necessary to ensure compliance and protect consumer rights. I trust that the CFPB will take the necessary actions to ensure that Experian and XXXX comply with the FCRA and delete this inaccurate account promptly. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX INQUIRED/OPENED CC ACOUNT WITHOUT MY PERMISSION XXXXXXXX XXXX XXXX XXXX SAME XXXX XXXX  : SAME XXXX : SAME ( TWICE ) XXXX  XXXX XXXX : SAME XXXX XXXX : SAME XXXX XXXX : SAME XXXX XXXX : SAME
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Suite XXXX XXXX XXXX XXXX XXXX  XXXX Phone ( XXXX ) XXXX " RED FLAG '' Inaccurate reporting of my Recent XXXX  XXXX Bankruptcies again they are leaving settle debt on credit reports and causing me pain and suffering upon applying for credit. This account was included in my XX/XX/year> XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and has already been discharged 3 months to date! The XXXX  account was not delinquent during the filing process Why is XXXX? XXXX ( XXXX XXXX XXXX XXXX still reporting a Balance of {$160.00} ( it should be XXXX ) and it should have ceased in XX/XX/year> the month of XXXX and not to continue to display in box XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

I do not acknowledge this debt. 

Portfolio Recovery is reporting a debt to the credit reporting agencies past the 7 year limit. The date of last activity on this account was XXXX 2008. They are still reporting this account after the 7 year federal limitation. 

The date does not begin when they buy the debt, but the date of last activity with the original creditor. The statute of limitations " clock '' starts ticking on the date of last activity on the account. This is the date of last made payment in XXXX 2008. 

If they continue to violate the FCRA my attorney will immediately file suit for violation of the FCRA. 

Please investigate this collection agent for violation of federal law.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service unfair practices which violate the consumers 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 Fraud Transfer ACT ( EFTA ) and Regulation E.These actions have caused significant inconvenience and financial loss and i seek appropriate action redress for these violations.
Product: Credit card or prepaid card

I made a purchase of goods on XX/XX/XXXX from what I thought was XXXX company for shoe boxes. " XXXX XXXX  Looks like the site is now redirecting to XXXX it does look exactly the same. After making the purchase, it seemed fishy so I did some investigating and found that this is a XXXX company, nothing bad there but also found that many customers have purchase from them and didn't receive what they purchased, instead they got cheap plastic sheets that fold into shoe boxes but look and function nothing like the items advertised on the website. At this point I sent an email to cancel my order, but the merchant never responded. I then made a dispute to citibank on XXXX and they denied it on XX/XX/XXXX, I tried to explain my dispute after receiving the items to explain but it was once again denied. There are many reviews of this site along with XXXX reviews from customers. Also my order were for black shoe boxes cases and these are blue. Please see screenshots of what the item which was advertised and what was actually delivered. Added a pic of the item along with a size 11 shoe.
Product: Debt collection

On XX/XX/2021, I received " important notice '' from Focus Financial Services, a debt collector. 
F.F.S. received my dispute letter on XX/XX/2021. 
Today, XX/XX/2021, I did not receive anything from F.F.S. so far. 
Is there a deadline by law that the debt collector have to respond to a dispute letter? 
Also, on the F.F.S. notice letter dated XX/XX/2021, I did not received enough information about the alleged debt. 
More so, I did not receive any information about all the info I was asking to F.F.S. on my dispute letter dated XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kia finance is reporting fraudulent information to credit agency 's due to a ongoing dispute between us. 1 : I tendered payment and they did not like my payment that is acceptable under the current laws, Debt is discharged = period 2 : They never loaned anything and are not holders in due course of my " instrument " contract they sold it " securitized it on the market. 
3 : They wrote off XXXX when there was only XXXX left and they removed my property and still never returned it or informed me about any sale therefore how can they post false, incomplete information. 
They are damaging me by multiple reporting, Amount, times, and charge off causing a XXXX point impact on all 3 agencies and causing emotional stress
Product: Checking or savings account

My debit card was fraudulently used on XX/XX/XXXX. I closed my card and account right away when i was notified by XXXX XXXX of the purchase that i didnt make. Wells Fargo initially refunded me the XXXX. I just got a notification today XX/XX/XXXX that they would be deducting the XXXX from my account on XX/XX/XXXX since the transaction went through and they didnt see any fraudulent charges. I did NOT authorize this use of my card and Wells Fargo isnt backing me from a fraud charge. I called the company and filed a complaint but they said they couldnt do anything about it since the claim was closed. They didnt provide me w any documentation of the denial. I have been a wells Fargo client for over 20 years but they dont care and are going to lose me and my money over XXXX. Im also filing w XXXX XXXX XXXX XXXX
Product: Mortgage

Basically we thought we were doing payments for modification 3 % and monthly payments of {$1600.00} past 10 months recently we realized we were not paying PHH We were scammed Now we do not want to lose this house PHH IS NOT WORKING WITH US PLEASE HELP US WE DO NOT WANT TO LOSE THIS HOUSE WE HAVE BEEN WITH PHH FOR OVER 27 yrs. At 7 % they did not want to help when we asked to refinance for lower interest Thank you I hope you can help XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a payday loan a few months ago and when I just checked my credit report I saw a number of inquiries from different lenders running my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Debt has been paid and closed through KeyBank. For some reason it has yet to be removed from XXXX
Product: Credit reporting or other personal consumer reports

I have disputed XXXX Account # XXXX several times with each bureau Each time this Account come back verified. How is this possible because each bureau is reporting different things XXXX is reporting this account as discharge in Bankruptcy but Equifax and XXXX are reporting it as a charge-off, also XXXX and Equifax both are saying the status of the account is undetermined if it a charge off it should be a close account. None of the closed dates are matching for each bureau if they all receive their information from the same place why is everything reporting so different. I want them to do the proper investigation, If they fail to conduct the proper investigation I have no choice but to consider legal options I have attached a copy of my Id and a copy of my credit report as proof
Product: Checking or savings account

My son passed away on XXXX and he had opened an acct with Chime Financial. I dont know the exact amountbut its around {$860.00}. He had no one listed on his acct to receive his money upon death. He is divorced, and I am his next of kin, being his mother. I have all kinds of identification, including his death certificate, birth certificate, social security card, drivers license and his drivers license. I also have his Chime debit card. I also provided them with my drivers license, front and back and my social security card. They want me to go to our court system and get a small estate certificate ( which will cost me {$400.00} + ) not cost effective, since he only has {$860.00} in his acct. Im not going to spend that kind of money when I already have plenty of proof of who I am. I have been going back and forth by email with them since XXXX called and their partner, XXXX, tells me they just provide the debit cards. Chime has so many similar complaints. They just seem to hang onto peoples money!
Product: Money transfer, virtual currency, or money service

I voluntarily disabled my account, and now BinanceUS won't reEnable it. 
I have done all they have requested. 
It has been over XXXX months and over XXXX emails. 
They say my account is being reviewed in the back office. 
XXXX request ( XXXX )
Product: Checking or savings account

I received a letter from Chase bank on XX/XX/XXXX stating they have decided to close my account. The checking account will be closed on XX/XX/XXXX, that is less than 20 days before the closing. I contacted Chase by calling XXXX ( the number listed on the letter ) to find out WHY they close my good standing account, but Chase bank refused to give me any answer. The rep on the phone talked like a robot and she just kept repeating what the letter says, finally, she said the bank can not tell me why due to privacy reason, I hope she didnt mean that Chase bank wants to keep my own privacy from myself. This checking account was opened in XXXX, its been in good standing for XXXX  years. And now I have to change all my direct deposits and all auto draft payments to a new checking account, Chase has caused me lots of unnecessary hassle, so they must give me a reason for closing my good standing account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX Balance XXXX {$2600.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$4700.00}
Product: Debt collection

I just happened to look at my credit report today and there is a collection account reported on my XXXX XXXX file for a Zions Debt Holdings that I've never heard of. They are listed as the original creditor and that the account was opened XX/XX/XXXX. 

I've never received any communication of any kind from this creditor. No phone calls, no emails, no XXXX mail, or certified letter. 

I've filed a dispute with XXXX XXXX as of today 's date, XX/XX/XXXX- which is the day I learned of this nearly XXXX XXXX XXXX collections account. 

I believe this to be a fraudulent debt, since they have listed themselves as the original creditor and I've never entered into any agreement with this company. If they are a debt collector and have purchased the debt from another company, they have not disclosed who it is and are not correctly reporting a debt collection attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter certified to Sallie Mae to the address listed on my credit report on XX/XX/2023 and i didn't receive a response to my letter. I then sent a second letter on XX/XX/2023 also certified and yet again have yet to receive a response back.
Product: Credit reporting or other personal consumer reports

This is an uncompromising CFPB complaint demanding urgent and immediate action. Under the strict and non-negotiable provisions of FCRA 605B ( 15 U.S.C. 1681c-2 ), Equifax is ordered to block and remove the fraudulent information on my credit report within an inflexible deadline of four business days upon receipt of this complaint. The fraudulent accounts, which must be eradicated without hesitation, are : XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$590.00}, XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXXXXXX {$970.00}. The following inquires are not authorized : XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX TT of XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX Ally Financial ( XX/XX/XXXX. These fraudulent accounts have resulted in unauthorized hard inquiries and false collections tarnishing my FICO credit report. I emphatically reject any insinuations that I authorized these accounts, emphasizing that they are irrefutable evidence of identity theft and fraud. Enclosed is the FTC Identity Theft Criminal Complaint ( # XXXX ), undisputed documentation from the U.S. Federal Trade Commission proving the fraudulent nature of these accounts, collections, and inquiries. Failure to act with immediate and decisive force to block and obliterate this fictitious information from my credit report will not be tolerated. Should Equifax fail to respond within the stated time frame, be prepared for relentless and aggressive legal action to enforce my rights under the FCRA. This is a final directive, not a request.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Unverified Accounts Based on FDCPA Dear Equifax Dispute Department, I am writing to formally request the removal of certain accounts from my credit report, as they are unverified and violate the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA mandates that upon a consumer 's request, debt collectors must provide proper verification of any debt they attempt to collect. If they fail to do so, they are prohibited from further collection activities related to that debt.

I have previously disputed these accounts in writing with the respective debt collectors and requested proper verification of the debts. To date, I have not received the required documentation validating these accounts. As such, these accounts are considered " unverified, '' and the continued reporting of these accounts by Equifax is improper and not in compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX FXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX # XXXX ( reporting 3 months XXXXXXXX XXXX and late XXXX day ) TXXXX XXXX XXXX XXXX XXXXt # XXXX ( reporting 5 months XXXX XXXX late XXXX )