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

I have requested investigations and request removal of a loan charge off due to incorrect information. All three credit reporting agencies, Equifax, XXXX and XXXX have been notified about this problem several times and nothing has changed, Im requesting that the charge off be removed immediately, I have reached out to XXXX XXXX as well and all I get from them is that they have sold the debt to someone else, when I found out who they sold it too I have been unable to get a response from them. This is causing me a lot of trouble and I'm trying to get things straighten out so that I can improve my financial situation but this is a major road block and very concerning that nobody seems to care how it has changed the course of action in my life and I feel like there will be no remedy for me and/or my financial future.
Product: Credit reporting or other personal consumer reports

I have filed online and in writing regarding a medical collection that should not be on report per Congress. Experian modified the dispute request and restarted the 30 day process without my permission and did not resolve the initial dispute. The creditor has not provided proof of debt requested initially.
Product: Credit card

My XXXX purchase posted on XXXX. It was correctly coded as a grocery purchase according to the XXXX code of the transaction. However Citi refused to issue 5 % rewards even though this is the top transaction category ( grocery ) for my custom cash card. See screenshot
Product: Student loan

I have my student loans through Navient. My loans have since come out of grace and are now due. Since I am currently unemployed and unable to find a job, I have been paying {$50.00} every three months per loan to keep the loans in forbearance. They have continuously mishandled the forbearance of my loans applying them incorrectly, therefore making my loans past due. I have called on several occasions to fix the issues that they caused and they have yet to be fixed. When I asked about income-based repayment options or enrolling in their financial hardship repayment option, they told me that I could n't and would n't be able to qualify and that once all of my forbearance time was used, they would come after responsible parties for the payments rather than help me to get into a payment plan. I can not figure out how to consolidate my loans through Navient so that I do n't have XXXX separate balances. Also, when paying my forbearance fee, the representative could n't process both fees in XXXX transaction. So, I was then connected to another representative to process the second fee of which they would n't process on the same card because it was a duplicate charge. They told me that I had to either use another card or call another day to pay the fee but if I waited that my loan would be delinquent. Rather than trying to get me into a payment plan, Navient is forcing me to use all of my forbearance time and forcing me to spend the forbearance fee every three months.
Product: Money transfer, virtual currency, or money service

Sent a domestic wire transfer for {$10000.00} on XX/XX/2023 via online banking. 

As of today, XX/XX/XXXX. The wire has not reached the beneficiary ( wire instructions are correct and confirmed ). Wells Fargo ( WF ) online department and wire department misinform and misguide me on each call to check status and confirm the funds were sent. The last call the representative made it seem like the funds can be held indefinitely and they don't have to inform me of legal or lawful deadlines to refund the money to my account. 

I request XXXX ( Federal reserve number, which confirms the wire was sent without issues ), they don't expect I'd know to ask for it. They place me on hold, while they ask team lead and confirm they don't have XXXX yet because the case and funds are sitting in WF compliance. They can't contact compliance or place a sense of urgency to resolve either because the department does not talk to them. 

Every business day between XX/XX/XXXX to XXXX, they request I provide my full name, address and date of birth to release the funds. I provide the information and this does not resolve the release. Each follow up call is the same generic process cycle but no resolution and they can't find the previous XXXX notes where they sent my information to compliance, each follow up call is like the first call. 

I requested they cancel the wire and refund to my account, they say they can recall but not sure if the beneficiary will return the funds which is contradictory because some CSR admit the funds haven't been released and are at WF while others say the funds have been released. The receiving bank confirmed notice of wire expecting the amount, but funds have not been released to them by Wells Fargo. 

Regardless of how many times you call XXXX ( wire dept ) or XXXX ( online claims ) no one knows what to tell you or how to resolve you issue, hands are tied and washed like XXXX XXXX. If you go to the branch, since you initiated the wire online, they are clueless and can't resolve and refer you back to online. 

The lack of providing customer information, a resolution date, accountability, lack of care to resolve the customer issue is demonstrated, no matter how urgent the matter is for the client, they don't care and tell you they can't do anything and have to wait for compliance ( which is indefinite ). 

This issue makes you lose total confidence and trust at WF ability to manage online wire transfers. It is better served to go to the branch. Online department provides no solutions or information besides reading off of a script and tell you to file a complaint with the office of the WF president.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Subject : Urgent Request to Review and Correct Reporting under FCRA Section 623, Truth in Lending Act, and IRS 1099-C Guidelines Dear XXXX XXXX XXXX I am writing to urgently request that you review the reporting of my account with account numberXXXX  in accordance with the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ), the Truth in Lending Act ( TILA ), and IRS regulations regarding the cancellation of debt. 

I have identified inaccuracies and potentially fraudulent activity associated with this account. As per the Truth in Lending Act, I am entitled to accurate and fair reporting, and I am currently in the process of reporting this entire transaction as fraud. I also intend to report this matter to the IRS, as the nature of the transaction may have further implications for both tax reporting and compliance. According to IRS Publication 1099-C , creditors are required to file Form 1099-C with the IRS when they cancel a debt of {$600.00} or more, as this canceled debt is generally considered taxable income for the debtor. The publication specifies : A debt is deemed canceled when a creditor decides to stop trying to collect on it or reports it as a loss on their books. This may include a charge-off on their financial records. 

If you have reported this account as a charge-off or have ceased collection efforts, you may be required to issue a Form 1099-C to both the IRS and myself, indicating that the debt has been canceled. Failure to align your reporting practices with IRS, FCRA, and TILA guidelines not only results in inaccuracies on my credit report but also causes harm to me by putting me at risk with the IRS, as this is considered taxable income. I am trying to stay in honor by ensuring my records are accurate and compliant. In light of these concerns, I request that you : 1. Review, verify and delete the current reporting status of this account on my credit report.

2. Provide documentation clarifying whether this account has been considered a canceled debt under IRS guidelines.

3. Issue Form 1099-C if applicable, or correct any inaccurate information reported to credit bureaus.

4. Respond to my claim of fraud under the Truth in Lending Act, providing a thorough review and documentation of the accounts legitimacy.

Please respond within 10 days to confirm your receipt of this request and to inform me of the actions you will take to address these issues. If this matter remains unresolved, I will continue reporting these concerns to the relevant regulatory authorities, including the IRS. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was sent a fraudulent cashiers check for the purchase of my vehicle currently offered for sale on the internet, and was sent XXXX to deposit and then waiting for it to clear. Of which several days went by and I got approval that the check had indeed cleared, but to my dismay the check didn't clear until another XXXX XXXX XXXX of which I had nothing to go on and had no idea. So I kept XXXX for my troubles at their insistence and I wire them XXXX back of which I never heard from them again.
Product: Credit reporting or other personal consumer reports

When I checked my credit report it states on XX/XX/year> there was a hard inquiry from feb/destiny that I did not authorize. I contacted feb/destiny and they state they do not have anything confirming this was ever done. They advised me to contact transunion and the representative at XXXX directed me here.
Product: Debt collection

The Company name is REMEX , INC . 
They have called me at work, demanding payment, telling me to borrow the money from someone.

I have asked that they send me proof of this debt, the man told me no that it had already been sent, I told him that I had never received anything. And asked him to resend me any documents that can verify this debt, who it is from and the amount owed.

I then told him, once I receive this information, if it was indeed legit that i'd be happy to go on a payment plan of XXXX XXXX per month - again he told me no, that it needed to be paid in full. 
After explaining several times that I would not just a pay someone that I had never heard of nor received any information regarding money owed, and asking for documentation to be sent to me and after that time if it were legit we would work up a payment plan. 
I still have not received anything, but have just noticed that this is now on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act .XXXX  acct # 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

XXXX XXXX XXXX, account closed. XXXX XXXX opium, settled in court in XXXX. Now being harassed by PORTFOLIO RECOVERY ACCOCIATES whom I never gave personal information or permission. 
15 U.S. Code 1681s-2- Responsibilities of Furnishers of information to consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay for a monthly subscription to TransUnion for my credit report and score. 85-90 % of the time I can't access a current or accurate credit score through the website when I log into my paid account. I also can't access functions such as file a dispute or lock/ unlock my credit report. I have called TransUnion on multiple occasions to try and resolve this matter w/ a representative and I get either hung up on, spoken to poorly, given wrong information and the issue never gets resolved. There are items on my report that are inaccurate or don't even belong to me and they refuse to correct the inaccuracies. 
I haven't had an up to date report in days/ weeks because their website hasn't been able to generate a current one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent  Transunion inquiry removal letter thru certified mail. After nothing was done I called and disputed them. Still nothing was resolved.
Product: Mortgage

I had a mortgage with XXXX XXXX XXXX I was transferred to XXXX. I recently sold my home. I am currently in the underwriting process for another home. I can not continue forward due to XXXX reporting my account and account inaccurately. XXXX has reported my account paid in full with no delinquencies. While in the underwriting process XXXX has stated I was delinquent when I was not. I have bank statements showing my mortgage coming out every month on top of correct reporting on my credit report. My family and I is about to be homeless and need help. PLEASE
Product: Debt collection

It has been brought to my attention that Midland never received a bill of sale for debt they sued for. I inquired this information because another debt collector tried to collect the same debt. 
Amount paid doesn't included wage garnishment from multiply employers. 
Midland obtained a new judgement without proper notification in writing, court house told me they have not had anything filed against me since XXXX new order, levy is from XXXX. 
Not willing to work agreement, per letter from earlier this year. Threatenings, rude, illegal practices all the way around Still have not received written notification of bank garnishment.
Product: Checking or savings account

On XX/XX/XXXX I had a joint checking account and stock account with Merrill lynch on XX/XX/XXXX Merril lynch informed me they would be shutting down my account they said I could close positions.

This was not true I was not able to do anything online.

Without informing me as they should by email as outlined in their client engage agreement they sent me stock certificates and charged me XXXX {$920.00} XXXX  and XXXX XXXX  and the XXXX dollars was for XXXX dollars in stock. This was from my checking account. 
On XX/XX/XXXX I spoke to senior resolution specialist XXXX XXXX and he said they sent a letter by regular mail that I did not receive that they would do such actions asked him repeatedly for information where it says that in the agreement and he refused to answer me and just told me to read it and in fact they are required to at least send me in email notification which they did not.
Product: Mortgage

This complaint is a rebuttal of my first complaint. XXXX I would like to obtain additional information regarding the escrow funds the bank is holding. I have repeatedly asked the bank multiple times for a complete accounting, statements, etc. regarding the funds being held in escrow and whether the funds are earning interest? If the funds are not earning interest, where and whom is holding the funds and if not interest is being earned, why not? 

To date, Fifth Third Bank refuses to disclose this information with my requests. XXXX is the contact at the bank XXXX See the letter from Fifth Third Bank on my initial complaint. The letter does not address my request for escrow funds accounting, statements, and interest earned. 

Thank you for your cooperation and assistance in helping me. 

XXXX XXXX XXXX
Product: Debt collection

The inaccurate and misleading reporting of thXXXX XXXX account ( # XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and relevant laws, I demand an immediate investigation and deletion of this erroneous information. The reported credit limit is {$400.00}, yet the balance is {$730.00}, creating an unrealistic and damaging 100 % credit utilization rate. This reporting is inaccurate and must be corrected and or removed. 
The account is charged off, yet still showing a past due balance of {$730.00}. 
Per IRS guidelines ( 26 U.S.C. 6050P ), if XXXX issued a 1099-C for canceled debt, they forfeited their right to continue reporting the balance as owed.

If a 1099-C was issued, this account must be updated to reflect a XXXX balance and the past due amount removed immediately. 

No payment history is displayed, raising concerns about how this balance was calculated. If the creditor can not substantiate the balance with complete and accurate records, the entire account must be deleted.
Product: Debt collection

account was deleted from my credit report and has reappeared. causing me hardship dropped my credit score
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Block Request Dear Sir or Madam : I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
The following inquiries were not made by me 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 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX Please respond to email XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One conspired with XXXX to downgrade my credit score to XXXX to cover up discriminating nature of rejected application. 

The XXXX report listed negative non-measurable, non-numerical, non-defined verbal parameters that must be reflected in the credit score : " Too many inquiries last 12 months Time since most recent account opening is too short Amount owed on revolving accounts is too high Length of time revolving accounts have been established ''. 
See attached XXXX XXXX has my credit score as XXXX. 
See attached document XXXX. 
XXXX have my score as XXXX. See attached document XXXX 

That was happened twice when I applied for Capital One Venture credit card while my credit score was well above XXXX. See attached documents XXXX   and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX  : : Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX ALL ANY OTHER 30 DAYS OLD ON MY CREDIT REPORT ...
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Columbia Debt Recovery Address : Account number : Your NAME : XXXX XXXX Your address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, La. XXXX Dear Columbia Debt Recovery, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have a fraudulent inquiry from XXXX on my credit report the inquiry date is XX/XX/2019 2019
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX Date XX/XX/2024 To whom It May Concern, On XX/XX/2024 I looked at my report. I sent a letter to XXXX, equifax, XXXX on XX/XX/2024 asking them to re-investigate these accounts : XXXX, and here is my tracking number : XXXX The day they sent me their research and said these accounts are complete and accurate. 
I looked at my report and noticed that everything is still the same. 
and in accordance with 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any further investigation pursuant to paragraph ( 1 ) of any information disputed by a consumer, an item of information is determined to be inaccurate or incomplete or unverifiable, the consumer reporting agency shall : ( i ) immediately delete that item of information from the consumer 's file, or modify that information, as appropriate, based on the results of the new investigation; and ( il ) immediately notify the provider of that information that the information has been modified or deleted from the consumer 's file. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of the report Whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the greatest possible accuracy of information relating to the person to whom the report relates.

And according to 15 USC 1681s-2 this is supposed to happen ( A ) Report information with actual knowledge of the errors A person shall not provide any information relating to a consumer to any consumer reporting agency if he or she knows or has reasonable grounds to believe that the information is inaccurate. 
( B ) Report information after error notification and confirmation A person shall not provide information relating to a consumer to any consumer reporting agency if : ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
XXXX didn't really investigate again, they lied in an official document saying they did something they didn't do and I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing this complaint because I have been denied my right to know the details of the investigation performed for me against the alleged creditors in question. Please have these companies provide me : 1. The name of the original creditor XXXX. The creditors ' address and telephone number XXXX. The persons name they verified the dispute with 4. The documentation used to verify the dispute