23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year>, SoFi Bank charged off my personal loan account and transferred it to XXXX, a third-party debt collector. Despite this charge-off and transfer, SoFi has refused to issue a 1099-C, claiming that the debt is still owed because it was sold. However, IRS regulations under 26 CFR 1.6050P-1 ( b ) ( 2 ) state that a creditor is required to issue a 1099-C when a debt is discharged, which includes a significant identifiable event such as a charge-off. 

According to the IRS guidelines, a charge-off is considered an " identifiable event '' triggering the requirement to report cancellation of debt ( COD ) income. SoFi has provided no evidence that it retained any ownership or control over the debt after transferring it to XXXX. As such, the debt meets the criteria for a 1099-C issuance, as SoFi has effectively discharged its interest in the account.

I have made multiple requests for SoFi to comply with IRS regulations and issue the 1099-C for the charged-off debt. However, SoFi continues to assert that no 1099-C is required, citing incorrect interpretations of the reporting requirements. This failure to issue the 1099-C creates confusion regarding my tax obligations and violates federal law governing debt cancellations.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE TIRED SEVERAL TIMES TO CALL THIS COMPANY AND THEY KEEP SAYING THEY HAVE NO INFORMATION ON ME. ALSO SENT LETTER TO SHOW THIS WAS MY ACCT BUT THEY DIDNT SEND BACK ANY VALIDATION OR VERIFICATION THAT I REQUESTED. SENT LETTER ON XX/XX/2018 STILL NO RESPONSE FROM THIS COMPANY
Product: Checking or savings account

On [ XX/XX/year> ], I attempted to access my Ally Bank account and found it locked. I called customer support and spent over an hour attempting to verify my identity. They incorrectly determined that I am not the account holder, despite providing all required documentation and information. 

As of now, my funds totaling approximately {$1600.00} are inaccessible, and I have no way to verify my identity or resolve the issue further. I was not given a clear path forward, and I fear my money is being unjustly withheld. 

I am requesting immediate resolution and access to my account or return of my funds. I am prepared to pursue legal remedies if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Financial In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I think the first contact I received was around the Fall of XXXX. The caller introduced herself as being with XXXX XXXX through originally XXXX XXXX, later transferred to Barclays and then to XXXX XXXX XXXX She informed me of a credit card that was overdue for payment. I explained that I had never applied for XXXX XXXX. In fact I have a XXXX account that only had my personal debit and local bank card attached to it and that I didn't need a XXXX  credit card. I asked her what the charges were for. She stated XXXX services for the amount of {$4900.00}. I told her that I live in a rural farming community and XXXX isnt accessible. Furthermore I have my own vehicles and don't need XXXX services. She asked if I had ever used XXXX ever. I stated I had in XXXX one weekend and in XXXX, but my XXXX account is only connected to my personal bank account. We went back and forth. She asked me if I thought this was fraud. I stated yes. I never heard back until XXXX of XXXX. I again explained the situation. I was asked if I would be willing to fill out an affidavit and I said yes. I did that, had it notorized and returned it. I never heard another word until XXXX of XXXX from XXXX XXXX XXXX. At that time I forwarded the affidavit. I followed that up with a letter from an attorney and they have never replied. I would like to get this issue resolved. I would like my credit cleared and I am getting no where.
Product: Checking or savings account

I had a real good friend who has a checking account with SUNTRUST BANK in XXXX, Ga. He put me on his checking account in XX/XX/2008 after he had a real bad scare that he might die, instead he lost his right leg. He did this so that I could take care of his bills in case he couldnt. On or about XX/XX/2018 he had a massive XXXX  and was found by his EX DAUGHTER-IN-LAW and sent by ambulance to the emergency room. That left her with his keys to everything hes got, his wallet, identification and his ATM CARD without a pin number, she then took the ATM CARD and used it as a CREDIT CARD with no pin and charged over {$3000.00}. He then went to a nursing home for rehabilitation on XX/XX/2018. In the meantime I was trying to get in touch with him on the phone because we talked every week at least one maybe more. When I could not get him I called his grandson that was staying with him, the grandson told me a great big lie. So I kept trying to get my friend on the phone finally call me form the nursing home to tell me where he was at. He was took back to the EMERGENCY ROOM on XX/XX/2018 where he was put on a ventilator and couldnt communicate with anyone till his death on XX/XX/2018. I have documentation from the Sheriffs Department and the District Attorney Office that this is Transaction Card Fraud.
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. I told the Experian, XXXX, and XXXX to re-investigate these accounts : 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 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 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 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 However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. I WANT THESE ACCOUNTS TO BE REMOVED FROM MY CREDIT REPORT!!
Product: Debt collection

Mrs. Associates XXXX XXXX XXXX XXXX XXXX, NJ XXXX Amount XXXX. 
I have made serval attempts dating back to XXXX of XXXX, making serval disputes against the company. I do not know this company. I have never done business with this company. This company does not have a contract with my signature on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX The customer service line would not assist me in removing these hard inquiries.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax and XXXX consistently respond within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This process violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax and Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax and XXXX comply with federal law and provides consumers with the necessary proof of investigation. The accounts that were disputed are the following : 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: Mortgage

Succinctly, since I am providing a Word document with all relevant details, PNC 's system did not credit my payments correctly which caused the system to think that I was delinquent. After numerous phone calls, voicemails, and attempts PNC has corrected the system but they damaged my credit report by reporting in the month of XXXX that I was late 30 days and had an incorrect balance. I submitted a dispute with XXXX and in XXXX the late reporting was gone and the balance was correctly updated however, XXXX has not been updated which has damaged my credit rating. 
I am not sure why PNC 's system was incorrect and no one at PNC could tell me either. However, they must have noticed something as they corrected it behind the scenes without speaking to me. 
The Word document attached shows the numerous phone calls, dates, and actions/inactions.
Product: Debt collection

I have been receiving ongoing bills from XXXX XXXX XXXX since the beginning of XXXX and most recently I received a notification of collection from ARC Management company. This company also sent me another mail on XXXX XXXX and I sent them a registered mail back with a request to cease and desist. Despite my request they sent me another letter on XX/XX/XXXX. They are currently violating FDCPA regulations See 15 U.S.C 1692 ( c ). I visited this hospital in XXXX of XXXX. They were unable to provide me the treatment and while I was in physical distress charged me {$1000.00} for the visit on the spot without billing my insurance company and are sending me additional bill for {$740.00}. I do not owe them anything and if anything they owe me {$1000.00} they wrongfully charged me. Please let you client know to stop waisting time and resources on this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a CFPB complaint XXXX against XXXX XXXX XXXX XXXX about an alleged medical debt for {$50.00}. I asked them how they got my information and also made it clear that they were violating my privacy under XXXX. They responded that they would cease all communication on the account. On XXXX XXXX, I received a credit report from Equifax, stating that a medical collection was now being reported by XXXX XXXX XXXX XXXX. This is illegal. Medical debts are not permitted under federal law to be reported on a credit report. The company also stated that they would cease communications with me, but reporting to my credit report is a form of communication. More importantly, this is defamation of character because this collections account is now hindering my ability to utilize my credit in consumer credit transactions. This has caused me much distress both mentally and financially and is making me lose sleep at night.
Product: Debt collection

I have a collection from XXXX XXXX XXXX for {$960.00} from XXXX XXXX XXXX. I do not use this hospital. Ive never received a bill or a call in regards to this bill. Called this collection company and can not get ahold of anyone. I have been repairing my credit for awhile and pay on all of bills. I am trying to purchase home for my children and I want to remove this. I have been trying to reach someone for over a month.
Product: Student loan

I had two loans totaling roughly XXXX charged off by Discover in XXXX of 2019. After talking with XXXX they agreed to place me on hardship payments. Discover neglected to tell me that the payments were only in place for three months. Discover made no attempt to contact me at any point from the end of these hardship payments. 

This XXXX, hoping to settle the balance, I called Discover. I spoke to an individual named XXXX, who informed me that Discover was willing to settle the account for a lower amount. Hoping to get the loan off of my account, I was incredibly motivated to reach an agreement. Unfortunately, Discover wanted roughly XXXX, which was more than I had at the time. I told Discover I would contact them within a week to let them know if I could make XXXX work on my end, while XXXX said she would try to get a lower settlement number. 

I since made numerous attempts to contact XXXX. Every time I was told that she was unavailable. I was hoping to specifically talk to XXXX, as me and her had built up a good report and I had had negative experiences in the past with other Discover personnel. 

Today, I again attempted to call XXXX. Instead, I was told by Discover that my debt had been sent to a collection agency with no notice. I talked to several representatives from Discover, including XXXX XXXX and her supervisor XXXX ( who was incredibly rude, arrogant and belittling ), and was told that there was nothing that could be done. 

I do not believe that Discover gave me proper notice before sending this debt to collections, and I believe that XXXX was purposefully unavailable in order to prevent me from settling the account. I am currently reaching out to whomever I can for assistance.
Product: Credit card

Synchrony services my XXXX 's store card. Although I set my statement preference to paperless, they changed that preference at some point back to mailed paper statements and charged me a {$XXXX} statement service fee. This is the second time I've been charged. Because I asked that it be reversed previously, they would not remove it after this second occurrence. When I asked the rep to verify whether I changed my statement preference or they did, they could not tell me. I wonder how many other customers are having their preferences overwritten by XXXX in order to increase their revenue via fees. I shouldn't have to revisit my online account monthly to ensure my preferences are retained.
Product: Credit reporting or other personal consumer reports

The information is not accurate and affects my credit life.
Product: Mortgage

To Whom It May Concern : We are the borrowers on the above-referenced loan. As a result of deteriorating economic conditions due to our XXXX condition, as you maybe aware I m stage XXXX XXXX failure that requires XXXX to remain in life and my wife is XXXX due to XXXX XXXX XXXX called XXXX 's XXXX - an inherited XXXX that causes progressive damage to the XXXX XXXX resulting in symptoms ranging from XXXX XXXX and XXXX   problems to XXXX XXXX ( Please refer to attachment ), weve been forced to dramatically alter our plans to avoid financial catastrophe. Accordingly, we previously requested from Chase bank a loan modification to lower our monthly payments and more accurately reflect the actual value of our home. At that time, well be able to afford payments and will no longer be a homeless parent with 4 minors. Nevertheless we were met with negligence and letter of 30 days notice to foreclose. 

Weve also spoken with several realtors who conducted research to determine the value of our home. Unfortunately, weve confirmed that our mortgage is significantly underwater and amount of the underlying loan is much more than we could ever sell our home for. 

In fact our loan is so far underwater which it will likely be years before it regains its prior value, After evaluating all of our foreclosure alternatives, weve concluded that due and our XXXX and health condition which is a huge burden, the only way to salvage and protect our only residence is through a loan modification. This option allows us to stay in our home for years to come while avoiding the time and expense of a foreclosure lawsuit. 

Based on the underwater status of our mortgage, and our incompetency of affordability and our sever XXXX, reducing the principal amount of our loan is the fairest way to reduce payments. If necessary, we can look at a combination of reducing the principal and adjusting the interest rate or length of the loan to facilitate reduced payments which is our immediate goal and will be highly appreciated. 

As you know, time is of the essence so please contact me as soon as possible to discuss available options and of course let us know if you need any additional information. 
Thanks in advance for your anticipated cooperation. 
I contactcted the bank many times to help with loan modification untill this date no help, please i am asking for help i do not want to be in the street with my chlidrens Sincerely,
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these personal information!! i only have 1 name 1 address etc. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 card or prepaid card

scam robocall for a credit company. an automated voicemail that said : Hello, this is XXXX  calling from the underwriting department regarding your capital one credit card account. Based on your recent payment activity and balance you maybe eligible for an interest rate reduction to as low as 1.9 %. Theres additional information I need to confirm ... call ... .at XXXX XXXX XXXX XXXX XXXX .... Call from ( XXXX ) XXXX United States XX/XX/21 at XXXX Call from ( XXXX ) XXXX XXXX XXXX TX XX/XX/21 at XXXX XX/XX/XXXX I dont have a credit card with capital one I am on the National Do Not Call registry
Product: Payday loan, title loan, or personal loan

On XX/XX/23 I purchased a vehicle that I finance through Westlake Financial. I placed {$10000.00} cash as a down payment and signed lending paperwork to payback the loan at {$830.00} starting XX/XX/23. I called Westlake Financial on XX/XX/23 to pay my loan payment and they said my account does not exist. The verification department stated that the loan was revoked as of XX/XX/23. I asked for documentation to support their claims and Westlake Financial 's Customer Service Department and Verification Department refused to furnish any information regarding the state of my loan account. I asked to speak with someone in management several times. I was declined, saying that if I don't have an open account, I can not speak with anyone. Westlake Financial also withheld my tags for over a month preventing me from working as my loan was for a work vehicle. I have missed out on over {$25000.00} worth of work because they refused to send me my temporary plates and registration unless I paid for it 2 times. The registration and tags were finally sent on XX/XX/23 after Westlake Financial charged me an additional {$150.00} for my registration and tags that I had previously paid. They are now trying to get me to finance the same vehicle that I have had a loan on for over a month, again at a higher finance charge and omit any payments I have already made, implyiong this is the only way I will get my account back.
Product: Money transfer, virtual currency, or money service

I bought XXXX {$500.00} using my XXXX on XX/XX/XXXX pay a friend. I wanted to transfer it to a wallet but i was told i needed to verify my account.I did upload my ID and picture for verification several times more 10times and was told i could not not be verified. 
I was given a link and and a case number XXXX to upload my my ID and picture, which i did. On several occasion i did chat support they they will say the received my case and it has be escalated and they will get back to me in XXXX hours, its now XXXX since i first uploaded my id. i have not heard from them. I have called customer care about 4times. The last person i spoke to was XXXX on XXXX.He said he would escalate the the issue, I then told him this is the same response i get from the previous staff i spoke with.I also told them that i need a refund of my money that the money was intended to pay for my rent.so i just need my refund pending when ever they complete the verification that usually last 3days they could not help me. My money is still tied down with what app and i have not still been verified.This is not fair.