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

I am writing to address the lack of response to my previous notice, dated XX/XX/2024, regarding the request for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX XXXXXXXX failure to provide a response leaves me no choice but to assume that has neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX XXXXXXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. 

Furthermore, it is imperative that you notify Experian, XXXX, and XXXX to delete this information from my credit report immediately. The account in question is detailed as follows : XXXX XXXX XXXXXXXX XXXX Please remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXXXXXX XXXX Please remove this inaccurate information from my credit report. 


As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. 

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. 

XXXX XXXX XXXXXXXX XXXX are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. 

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the XXXXXXXX XXXX XXXX XXXXXXXX, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications.
Product: Credit reporting or other personal consumer reports

I have had several issues with Transunion reporting information that does not belong to me. I have disputed my personal information SEVERAL times. My name is still being reported incorrectly. This is a huge issue because I share the same name with other family members. I am a XXXX and my credit report must say so. Tranunion continually ignores my requests for them to uphold the FCRA law and report ACCURATE INFORMATION. Additionally, they have been reporting an account that DOES NOT BELONG TO ME as mine! I have continually told them that this is not my account and that I have NEVER requested to be added as an authorized user on it and yet they ignore me and still report it. THIS IS A BLATANT ACT OF WILLFUL NEGLIGENCE.
Product: Prepaid card

I contacted cfbp and Venmo that said I would be sent a card and that card never came and they said to reach out to the I did and still no reply so I am complaining on Venmo again
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX - Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I keep contacting Experian and letting them know they have the wrong information on my report. They dont answer the phone and never change the information. They changed the information before to the right address but then deleted that address and put an address on my report that was old and made that my current address. This has caused me not to be able to view my report on Experian 's website. I can view it on other reporting sites but not Experian. I have attached my report on other sites and you can see the address matches yet on Experian 's website they refuse to update the report to the right information causing me not to be able to view my report in real time. This kind of method Experian is using is causing me to not know what my score is and is stopping me from getting approved for loans.
Product: Student loan

I am writing to file a formal complaint against Navient due to a series of unfair, deceptive, and abusive acts and practices that have significantly impacted my financial stability and personal life. As a XXXX XXXX, these practices have also jeopardized my ability to maintain my security clearance, directly affecting my career And duty. 

1. Harassment and Coercive Practices : Navient has persistently made harassing phone calls demanding payment, despite my clear financial constraints. Their representatives have advised me to reduce my basic living expenses and even suggested that I borrow money from relatives to meet loan payments, showcasing a lack of consideration and ethical lending practices. 
2. Unreasonable Settlement Offers : On multiple occasions, Navient has pressured me to accept settlement offers that were not financially feasible. They presented these offers as once-in-a-lifetime opportunities, using high-pressure tactics to coerce acceptance. 
3. Invasion of Privacy : Navient has overstepped boundaries by contacting my family members without my consent, seeking personal information and payment towards my student loans. This not only breaches privacy norms but also places undue stress on my family relationships. 
4. Educational Institution Misconduct : I attended the XXXX XXXX XXXX XXXX XXXX from XXXX to XXXX, a school that has since been closed due to predatory and illegal practices. The loans for this institution, initially serviced by Sallie Mae and later by Navient, have been a source of continual struggle due to the deceptive circumstances under which they were promoted and agreed upon. 
5. Discharge Under BDTR : My federal loans have been discharged under the Borrower Defense to Repayment ( BDTR ) due to the recognized misconduct of my educational institution. However, the ongoing issues with Navient, including their handling of my remaining loans and their aggressive collection practices, continue to cause significant personal distress and financial instability. 

These actions by Navient represent a blatant disregard for borrower rights and protections that are expected from a federal loan servicer. Managing these loans under such aggressive and unethical tactics has not only financial implications but also potential long-term effects on my career in the military. 

I urge the CFPB to investigate these practices and to hold Navient accountable for their actions that are contrary to the principles of fair and ethical lending. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

I am writing to complain to TRANSUNION about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXXXXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX. My birthdate is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Checking or savings account

On XX/XX/22, Wells Fargo Online Fraud Detection Operations Department sent me a letter ( attached ), regarding unusual and authorized activities on my checking account " Restricting Access to my Accounts '' ( attached ) unless I contact them " My voice is my password, please verify me '', how can someone imitate you voice and over pass Wells Fargo Security System? 
I called Wells Fargo to report my cell & ATM Debit Card Stolen. 
Since accounts were compromised Wells Fargo made change account numbers, Usernames & Passwords for my safety and to protect my accounts, also CANCELED my " XXXX '' and " Wire Transfers ''. 
Since then I called almost everyday spending 2-4 hours between customer service and online fraud departments telling me " There's a process they need to follow & accounts are under investigation '' in the meantime my balances were going down, down until the hit negative and Wells Fargo couldn't stop it! 
Everytime I called they said " Everything is OK, XXXX XXXX! We are doing everything we can XXXX XXXX! 
Wells Fargo process to stop these hackers took too long and was unefficient. 
Wells Fargo process to stop hackers " FAILED '' & " TOOK A LONG TIME '' On XX/XX/22 received letter from Wells Fargo ( attached ) stating that they " FAILED '' to stop the hackers and their bank will NOT returned the money. 
Wells Fargo failed to protect and recover my money. 
Wells Fargo took 12 days to process and denied my claim. 
WELLS FARGO - ON LINE FRAUD PROCESS TOK OVER 12 DAYS ALLOWING HACKERS TO GET AWAY WITH MY MONEY. 
" MY XXXX CLAIM TO RETURN MY MONEY WAS DENIED ''
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX account member which allows members to access their free credit score and report through XXXX XXXX XXXX XXXX XXXX However, when creating an account online through the XXXX XXXX app with XXXX XXXX XXXX XXXX that able to obtain your credit report and other information through TransUnion Interactive INC a wholly owned subsidiary of TransUnion. 

On XX/XX/XXXX, I viewed my consumer credit report on XXXX XXXX XXXX XXXX XXXX sponsored by TransUnion Interactive IncXXXX, records information inaccurate, past due, balance, outdated collection information, and two public records bankruptcy filed on XX/XX/XXXX, that don't belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations listed:


inquires XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX  XXXX  XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX. XXXX XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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

I made a purchase at XXXX XXXX of Jewelry on XX/XX/XXXX. I elected to finance the purchase using their 12-month, no interest financing option. I was later sent a credit card and received information regarding my new account from Comenity Bank, who handles financing for XXXX. My balance was split into 12 semi-equal payments which were due by the XXXX of each month. I made all 12 payments for the amounts shown and by the due date I was given, with the final payment being on XX/XX/XXXX. After the final payment was made, I received a statement showing I had been charged {$350.00} accrued interest for failing to pay off the balance before the deadline. I then wrote a message to Comenity through their website to find out why I was being charged the interest since I had made all 12 payments as agreed. A representative wrote back saying the promotion actually expires 12 months from the date of purchase, not on the due date. I then called to get further explanation and was told that the billing cycle pushed the final payment due date past the promotional date and there was nothing they could do about the interest charged.
Product: Prepaid card

After receiving two US Bank Gift cards in the amount of {$100.00} each ( {$200.00} total ), I misplaced my purse on XX/XX/XXXX containing the gift cards. I immediately called the vendor at XXXX to suspend the cards, anticipating that I would find my purse. The agent offered to either supend or cancel the cards and I opted to supend them. However, after calling back on XX/XX/XXXX to reactivate the cards, I was told by the agent that they had been cancelled. This was an error on the vendor 's part and can be substantiated by the recording of my call made on XX/XX/XXXX when I specifically requested to suspend the card. On XX/XX/XXXX, I was told that they would need to reissue the cards and no mention of ANY replacement fees were ever made. The replacement cards did not arrive and I called back multiple times to try to figure out why the replacement cards were not being issued. I called on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and each time was told that a replacement card would be issued and that the prior agent had made an error. I finally received replacement cards on XX/XX/XXXX. Upon trying to register these cards, I learned that a {$15.00} replacement fee had been placed by US Bank on each card. This is obviously an error on US Bank 's part as they failed to suspend the cards when I originally requested that they do so. I should not have to pay for a fee when the error was clearly on US Bank 's part. I spent more than 35 minutes on the phone attempting to get replacement cards issued. At each step, the agents made numerous errors. 

The last agent I spoke with on XX/XX/XXXX was XXXX, Employeed ID XXXX I was NEVER once told there would be a replacement fee in all the times I called. Due to the original agent 's initial error, there would have been no way for me to proceed in getting my funds without replacement cards. This was the error of the agent. 

These are the OLD gift card numbers : XXXX Exp XX/XX/year> XXXX Exp XX/XX/year> The above cards were requested to be suspended on XX/XX/XXXX. 

These are the NEW gift card numbers : XXXX Exp XX/XX/year> ( Replaces XXXX ) XXXX Exp XX/XX/year> ( Replaces XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters on XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below. I was a victim of identity theft and the disputed inquiries do not make sense to me. Under the provisions of the FCRA section 605b, I am requesting that the Credit Reporting Agencies remove the following disputed inquries completely from my Credit Report ; XXXX XXXX  Inquired on XXXX XXXX, XXXXXXXX XXXX Inquired XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have co signed on the following student loans with my daughter and although the loans are in Deferral the lender Sallie Mae is reporting that I have borrowered over my high credit limit which is having a negative impact on my XXXX and hindering my ability to secure financing. the loans are : SALLIE MAE BANK XXXX XXXX SALLIE MAE BANK XXXX XXXX SALLIE MAE BANK XXXX XXXX
Product: Checking or savings account

On XXXX XX/XX/2019 I wrote to Citibank alerting them that XXXX  XXXX XXXX has no authorization to initiate debit transactions to my checking account XXXX, and asking them to block any further ( erroneous -- see related complaint ID XXXX-XXXX showing incorrect double-charges ) attempts by XXXX  XXXX XXXX to charge my account. 

On XX/XX/XXXX Citibank wrote a form letter ( XXXX ) speaking to the reversal of the previous incorrect charge and closing the case. 

On XX/XX/XXXX at XXXX Citibank allowed XXXX  XXXX XXXX to withdraw {$870.00} from my account with the full knowledge ( from my previous letter ) that XXXX  XXXX XXXX was NOT AUTHORIZED to do so. I attempted to contact Citibank again in writing, but the only online method they have, " chat '', was unable to help me and Citi does not accept electronic messages ; as I am traveling I am unable to write another paper letter to them. 

I would appreciate your intervention with Citibank so that they stop this unauthorized electronic withdrawals of my funds. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of fraud on XX/XX/XXXX, there has been a XXXX credit card opened with my name and SSN for {$XXXX} and I was never aware of it until XXXX of XXXX and I contacted XXXX several times to dispute this credit card that I have no affiliation with but they still report as I'm responsible for it please contact XXXX bank and dispute this account
Product: Debt collection

Umpqua Bank XXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} reported to collection agency ( XXXX XXXX  ) on XX/XX/XXXX This is for " service '' on XX/XX/XXXX. I have no idea what type of service or account that this is. 

XXXX account opened on XX/XX/XXXX in my name. Now {$1500.00} is due. 
Both of these companies have reported the outstanding debts to credit agencies.

There have been 12 attempts to open credit acounts in my name since the beginning of the year. 

My credit score has dropped approximately XXXX points from XXXX of XXXX
Product: Debt collection

I have attempted to resolve this account with the creditor directly because this isn't a balance that is owed. Creditor sold this to XXXX XXXX XXXX which is not a balance that is owed. The account was closed at XXXX balance.
Product: Credit card or prepaid card

On or about, XXXX XXXX, 2019, I called Chase to hear my balance, and I discovered that there was a charge that I hadn't made to XXXX for {$570.00}. I told the Chase agent about the fraudulent charge, and she cancelled the card, took off the charge, and mailed me a new card. 
A few weeks later, Chase called me and asked me whether I knew XXXX XXXX. I replied that I did. They continued with, " that name is on the fraudulent charge, and so is his email address ''. We got off the phone, and I thought that was the end of it. 
On XX/XX/2019, I again called Chase and after listening to the automated message regarding my account, I heard that the XXXX charge was put back on my account. The charge was reinstated on my new card. I didn't know why. I immediately spoke to XXXX in the fraud dept. and was told that the charge was put back on my card because I knew the purchaser. I do not know him. He is my travel agent 's business partner and I am familiar with his name. My travel agent spoke to XXXX, and he did not know anything about this charge. He does not have any access to my credit card information. 
I have received nothing in writing from Chase with any final resolution ( that my fraud claim was rejected ), nor have I received in writing any evidence supporting the rejection, other than a phone call asking whether I knew the purchaser. The charge has not been removed. 
I have gone into the Chase branch on XXXX XXXX. in XXXX, XXXX. I spoke to a branch rep, who referred me to XXXX, head of the fraud dept. in XXXX. I submitted a letter written and signed by my travel agent, XXXX. This letter was submitted electronically to XXXX on XX/XX/2019. I spoke to XXXX on XX/XX/2019. XXXX told me that the purchase was credible, and there would be no refund to my card.
Product: Credit card or prepaid card

I bought items ( Total {$2000.00} [ {$1600.00} loan, {$400.00} deposit ] ) approximately a year ago ( XX/XX/2018 ) at a furniture store and applied for a credit card and was approved. During the process of delivery, the product was delayed and took approximately 2 months and was only a partial delivery ( {$1600.00} items delivered, {$400.00} item not delivered ). After almost 3 months of waiting, I bought furniture else which was needed and said I would not accept delivery since it was beyond the 2 months of waiting which was promised and I needed the furniture at this point was exhausted from the constant delays. The furniture store said they would not issue the credit/refund for the unshipped/undelivered item. I filed a dispute with the credit card it was too late to deliver at this point and I made other furniture arrangements. The dispute was closed very quickly, stating the furniture store issued me the credit for the item which was not delivered ( which is not true ). The bank is charging me for items that were never delivered despite it almost having been a year and accruing late fee 's as a result of it. The bank is unwilling to correct the amount owed for the items actually delivered, and is constantly calling me everyday and negatively impacting my otherwise stellar credit. The way the bank resolves the dispute in favor of the seller in the favor of the seller without any due diligence or investigation or validating any of the sellers false claims is completely unfair and prolonging payment process. I have no issues paying the correct amount balance and fees for the furniture that were actually delivered, but the bank agents that call regarding this matter are either unwilling or unable to help in this matter.