23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Request for 1099-C for Account Number : XXXX Dear Nordstrom/TD Bank, I am writing to formally request a copy of IRS Form 1099-C ( Cancellation of Debt ) related to the charged-off account referenced above. According to IRS regulations ( Internal Revenue Code Section 6050P ), any creditor that discharges or cancels a debt of {$600.00} or more is required to issue a Form 1099-C to the debtor and to the IRS, as this canceled debt may be considered taxable income.

As this account has been charged off and reported as such on my credit report, I am requesting confirmation as to whether the debt has been canceled and a Form 1099-C has been issued. If this is the case, please provide me with a copy of the 1099-C that was filed with the IRS.

If a 1099-C has not been issued but the debt has indeed been canceled or written off, I ask that you comply with IRS guidelines by issuing the necessary tax form and providing it to me promptly. Should the debt remain collectible, please provide a detailed explanation of the current status of the debt and any actions taken regarding this account. 

I appreciate your prompt attention to this matter and look forward to receiving your response and the requested documentation within 30 days of receipt of this letter. 

Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint about cash app ( BLOCK , Inc . ) due to inadequate customer service and unfair practices Which violates the Consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent the address of 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 Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

This company has contacted me twice. As you can see they've used my name, social security number, and signed my name without my permission. They've sent two letters to me without any indication of what I owe them, from what company or any other data. This is a scam of a company. See below and attached to view the information and letter I sent to them.
Product: Checking or savings account

I opened an account with Regions bank on XX/XX/2017 after receiving a promotional offer in the mail of a {$400.00} bonus after signing up for online statements, and making 10 purchases within 60 days. This was all confirmed to me by the representative that opened my account by phone. He said the {$400.00} would post within 120 days after account has been opened. 

Regions is now offering the same promotion but has reduced the 10 debit purchases to 30 days. The person that opened my account made did not make mention of that and told me directly I had 60 DAYS. Which was the promotional advertisement by Regions, for 60 days. 

Regions is denying me the {$400.00} bonus saying I did not post 10 transactions with 30 days, even though their very own representative told me I had 60 days!!
Product: Mortgage

IN 2006 SPECIALIZED LOAN SERVICING LLC WAS COLLECTING MORTGAGE PAYMENTS FOR XXXX XXXX XXXX ON MY SECOND LIEN. XXXX XXXX XXXX MODIFIED MY MORTGAGE AND TOLD ME THAT THE FIRST LIEN AND SECOND LIEN HAD BEEN COMBINED AND THAT I ONLY HAD TO MAKE ONE MONTHLY MORTGAGE PAYMENT. 
I CONTINUED MAKING MORTGAGE PAYMENTS TO XXXX XXXX XXXX AND NOW TO THE SERVICER OF XXXX XXXX XXXX SELECT PORTFOLIO SERVICING. ON XXXX I DISCOVER THAT MY HOME HAD BEEN PLACED IN FORECLOSURE WITH A SALE DATE OF XXXX FOR COLLECTION AMOUNT OF {$29000.00} THE SECOND LIEN I OBTAINED WHEN I PURCHASED MY HOME IN 2006. AS REQUIRED UNDER TEXAS LAW PROPERTY CODE SECTION 51.002 ( D ) I NEVER RECEIVED A CERTIFIED NOTICE OF DEFAULT OR A NOTICE OF SALE FROM SPECIALIZED LOAN SERVICING OR THEIR TRUSTEE ATTORNEYS XXXX XXXX XXXX XXXX XXXX. I WAS FORCED TO FILE CHAPTER XXXX BANKRUPTCY ON XXXX. I CALLED AND NOTIFIED THE MORTGAGE LENDERS BEFORE XXXX ( See attached proof of notifications ) AND THEIR ATTORNEYS THAT I FILED BANKRUPTCY SO THEY COULD STOP THE FORECLOSURE OF MY HOME. THEY DID NOT COMPLY WITH THE U.S. BANKRUPTCY COURT-ORDERED STAY AND CONDUCTED AN UNAUTHORIZED FORECLOSURE SALE. A MORTGAGE FORECLOSURE WITHOUT PERMISSION OF THE BANKRUPTCY COURT VIOLATES THE AUTOMATIC STAY AND IS VOID OR VOIDABLE.
Product: Credit card or prepaid card

SYNCHRONY BANK/WALMART Card, rece ived an Internet application using my name, address and phone number on  X/XX/2017   . According to my phone log, they also called my house on   X/XX/2017     around  XXXX   XXXX . I did not answer the phone as I could not recognize the name SYNCHRONY. Despite that, they went ahead and created a credit card account on  X/XX/2017   . I do n't know if the thief provided my SSN. I ca n't see how he/she would get that. The information they provided looks a lot like what I have in my check book. Is this bank serious??? The Government should be investigating how SYNCHRONY conducts its business.
Product: Debt collection

XXXX charged {$49.00} to my AM Express card for anti-virus software on the basis of an " automatic renewal '' provision in the prior year 's delivery of software. I attempted to advise them not to deliver any product. They say I was unsuccessful in my attempts and therefore I owe them the fee. I have disputed this through my credit card. 

They appear to premise my desire for their product on an automatic renewal process. While viewing the " automatic renewal '' as a scam unto itself, I also contend that they intentionally make difficult any efforts by consumer to " decline '' their product. I made reasonable efforts to notify XXXX that they chose not to heed. 

Attempted Communication : I responded to each email that XXXX sent to me on this topic in XXXX and XXXX of 2015. However, responding using the method of their choice ( email ) and to the address they use to contact me - resulted only in an email response to me indicating it was an " unmonitored '' email box. XXXX got my email but chose not to review the content. They chose to put some hurdles for customers to overcome to communicate and stop XXXX 's unsolicited contact. 
o XXXX 's automated response said, among other things, that I could find out more about my options by creating a customer account and identity with them. This was not an attractive option for a company from which I was trying to disengage. 
At this same time, I called the customer support telephone number listed on their website. After working my way through their automated phone menu ( no human being to speak with ), their system thanked me and hung up. I tried this a XXXX time with the same results. 
Finally, I sent XXXX a short note saying I did n't want their product. XXXX noted in their justification for successful deliver to me that they did not get a " fail to deliver '' notification. Similarly, with my note - I did not get a fail to deliver notification. In hindsight, I regret not sending it certified mail and keeping a copy. 

Product Status : XXXX 's argument may be that I should pay for a product or service that I possess. I do NOT have XXXX on my computer. I use XXXX. 
o If I received a software product from XXXX, I could not " return '' it using any method that I as a common user could technically perform. I immediately deleted any program with the XXXX or XXXX term. 
o I have attached a screen shot of my computer to show that I have XXXX and do NOT have XXXX. 
o I am willing to make mutually agreeable arrangements for anyone who wishes to do a more sophisticated review of my computer to ensure I do n't have and XXXX product. 

My biggest concern is that, under XXXX 's process, I may NEVER be able to stop them from annually charging my credit card. 

In closing, I still do n't believe this charge was legitimately authorized. I think this is a scam where companies make it difficult to stop or contest the charge. 

XXXX XXXX XXXX XXXX XXXX XXXX, MI. XXXX
Product: Credit reporting or other personal consumer reports

My credit card had been compromised with something else credit. They have not provided me proof I used it. I fo not use credit cards I just had 1 for renting cars or hotels. They were unfair with investigating this matter. They wanted me to provide proof on my end. I wanted them to provide I XXXX XXXX used the card. And how could or would They let it get over the credit limit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a fraud attempt was made to open an account with XXXX XXXX XXXX using my personal information. I was alerted of this by being a XXXX XXXX member. A fraud alert was placed on my social security and personal information Information was supplied to XXXX XXXX XXXX XXXX account - card services - that this was a fraudulent attempt to gain credit with my personal information. 

Despite the fraud alert XXXX ( XXXX ) continues to make fraudulent credit inquiries XXXX   on XX/XX/XXXX and again on XX/XX/XXXX made fraudulent inquiry on my credit report despite having fraud alerts in place with credit reporting agencies. Again, I was alerted of these fraud attempts by XXXX XXXX. As of today XX/XX/XXXX I now have a security freeze on my personal information with all 3 reporting agencies. 

I have attached information for first attempt to to open a XXXX XXXX XXXX XXXX account was attempted using my personal information. The last name that was used I have not been affiliated with since divorce in XX/XX/XXXX. Again on XX/XX/XXXX same account was attempted to be open this time using my current last name but with same other easily identifying personal information such as social security and date of birth. 

I am also having issues with Equifax refusal/failure to correct my name despite having sent them copies of my FL Drivers License and social security card. There were 2 fraud credit inquires by XXXX XXXX XXXX XXXX on XX/XX/XXXX and by XXXX XXXX XXXX credit card. Information was  given to Equifax by the merchant and copies of the 2 attached letters were sent to Equifax as well, yet the fraudulent credit inquiries continue to show on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Coastal financial company is still on my credit report from over 10 years ago. They claim its not fixed because my birthday is incorrect on there end but I provided what I needed to they need to remove my account
Product: Checking or savings account

On XXXX XX/XX/XXXX I received an email from USAA stating that a person by the name of XXXX XXXX had been added to my USAA account. Once I received the info I went to my USAA account and I visually seen that individuals name. I do not know the person and this person is not related to me. 
I informed USAA the following day that this unknown person has fradulently accessed my account. 
I was informed on XXXX XX/XX/XXXX that the issue would be taken care of. On XXXX XX/XX/XXXX I noticed that the unknown person was stilll on my account therefore I called USAA again on XXXX XX/XX/XXXX and I personally feel as though they have let me down by allowing an unknown person to use my information to open up an account with them. This person is committing fraud and I have informed USAA that I do not know this persons. 
This is the XXXX time in the past 10 years that USAA has allowed an unknown person to accesss my account and commit fraud on my account. 
I beleive that USAA needs to put better security features in place to protect its members. As a result of their lack luster security I have lost XXXX  of dollars and my checking account was also compromised as well.I would like to see USAA put a better system in place to protect its members.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRUAD ALERTS AND EXTENDED FRAUD ALERTS Transunion # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Mortgage

I purchased my home in XX/XX/XXXX, I got a first and second mortgage ( the norm then ). When XX/XX/XXXX came around I realized that my retirement was gone in my 401k and the company I worked for fired all of us. In XX/XX/XXXXI ended up filing chapter XXXX. I called the first mortgage company and said I wanted to keep paying on that debt in order to keep my home. I called the second mortgage company and said i could not pay them and would be filing on them as well as other debtors I had. Everything was fine and my bankruptcy was discharged in XX/XX/XXXX. I was able to acquire a HAMP mortgage through my first mortgage company which took effect in XX/XX/XXXX and remain in my home today. My issue is that I have applied for a reverse mortgage ( taking advantage of the increasing equity in my home ) and all was great except the new lender found that I have a lien on my home. The lien is from the holder of the second mortgage ( XXXX XXXX then bought by Green Tree Financial then bought by Ditech now ) and they have sent me letters reminding me that I am NOT responsible for the payback of the mortgage due to the statute of limitations that expired. I called Ditech and they corroborated the fact that I am NOT responsible for the repayment of the loan and admitted they have a lien on my home BUT they refuse to release the lien even though I am not responsible for the repayment that was discharged through my bankruptcy in XX/XX/XXXX. Is there anything you can do for me in regards to this problem? Is this a normal situation? Im sure they want to take advantage of the high home values in my area and get paid again ( since their insurance must have covered them from the initial 2nd mortgage loan ).
Product: Student loan

I took out these loans with Navient in XXXX and XXXX. One was for XXXX and the other was for XXXX. I currently owe over XXXX on both of those loans combined. I had been making payments consistently since XXXX at least on an income based rate reduction program. Before that the account was being put into forbearance and I was paying {$100.00} per month. I was not given the option before XXXX to do a rate reduction program. I was instead steered into a forbearance and now the interest that has been applied to my loans has made it impossible to even think about paying these off. I am confused about how loans totaling XXXX have turned into over XXXX and I have been making consistent payments since 2015. I realized that I was affected the same way the students that started that class action case were. I have not made a payment on the account since XXXX and the account has now been charged off. They are calling saying they can garnish my wages if I dont pay. I have received wrong information from their representatives this entire time I have been dealing with Navient. Now a loan that was supposed to be paid off in 20-25 years will take 50 years to pay off because of their bad practices and false information provide to me. The loan has now defaulted and they want me to pay the full {$77000.00} which I do not have at this time. Even though I have requested a cease and desist they have still been contacting me and my grandma about this account.
Product: Checking or savings account

On XX/XX/XXXX paypal completely limited my account. They gave no reason and still wont give me a reason as to why they are holding almost XXXX of my money. This money was the proceeds of the sale of my mothers home, she passed away on XX/XX/2021. This has too be illegal on so many levels. Paypal has not asked me for any information or documentation on this issue and yet they say they did an investigation on my account? They told me in an email today that they will not release my money until XX/XX/XXXX? How is this fair or Moral? I just cant fathom that a company in the USA is allowed to do this to honest people???????
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account on a monthly basis since XXXX/2020. The account reporting is Synchrony Bank XXXX XXXX XXXX. I have never had an account with this company and I have disputed this information through the bureas and through the company itself and they continue reporting which is against my consumer rights and against FCRA laws. 
This account is showing as a charge off with a balance which is harming my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report per XXXX XXXX XXXX card # XXXX Limit of {$7900.00} This is acount is being reported wrong and illegaly per the FCRA and Metro 2 reporting compliance mandates. 

This alleged Charge off debt shall not carry a balance or High limit which is injurous to my credit score.  and incomplete account number. Per FCRA all information reported shall be reported 100 % accurate or must be deleted. 

XXXX XXXX XXXX account # XXXX alleged collections account showing a balance of {$1300.00}. Which is again is being reported incorrectly and illegaly per the FCRA and metro 2 reporting compliance standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

As ofXX/XX/XXXX, an agreement was reached with the CRAs to remove any tax liens or civil judgements that did not include a Name, Date of Birth, Full Social Security Number or Date of Birth. All three of my State of Georgia tax executions have been paid, satisfied and cancelled from record. However, the liens are still showing on my credit reports and do not meet the new reporting standards. My Date of Birth nor my full SSN are listed on any of the executions. I have disputed this information listed under the Public Records section with XXXX, XXXX  and Transunion. XXXX did remove the liens from my credit file. However, XXXX and XXXX only verified the records. I've contacted XXXX customer service and was told that they use a third party to obtain and verify public records. I was advised to contact XXXX to dispute this information. I contacted XXXX and initiated a dispute of my Public Record information listed on my XXXX   report. I received a letter datedXX/XX/XXXX stating the that information was deleted from my record. However, XXXX never updated there system and is still reporting this information as of XX/XX/XXXX.I also contacted Transunion customer service and was told the information is correct and that I would have to wait 10 years from date of filing for the records to be removed.   I have attached copies of all three tax executions and the letter from XXXX for your review.
Product: Debt collection

I collection balance appeared on my credit report several months ago. I disputed the tradeline with the bureaus and they have determined that the collection is valid. I contacted the agency reporting to determine what this was in reference to. 
ALLIED COLLECTION SERVICES XXXX They advised that it was a balance from an apartment rental with XXXX XXXX XXXX. 
At this point I advised that my father lived there and is now deceased, and we share the same name - he was XXXX and I am 'XXXX  '. They advised that they believe I am the correct party and would not remove the collection from my credit. 
I disputed again with the bureaus and again they determined it to be accurate. Meanwhile the collection agent appears to be adding quite a bit of interest every month. 
I have never lived in XXXX, my father lived there for quite a long time until he got sick and we moved him to XXXX, which is where I am, and he passed shortly after. 
ALLIED COLLECTION SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Balance {$670.00} High Balance {$480.00} Original Creditor XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute the certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

I have a a unverified account from I C Systems Collections #  XXXX . I had previously disputed this account. I have never done business with I C Systems Collections. Pursuant to the Fair Debt Collection Practices Act ( FDCPA  ) 15 U.S.C.1692g,  I dispute the validity of the debt purport I owe. I request that I C Systems Collections #   XXXX **** Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that I C Systems Collections Cease and Desist all further communications and collection actives and provide the verification of the purpo rted debt.
Product: Student loan

I attended XXXX University. I after my financial aid, i took out private loans to cover the remaining balance. The current loan amount is no where near the amount had taken out originally. Coming out of high school, the ramification of private loan and interest rates was never explained to me. The lowest interest rate at the time offered was Wells Fargo, so chose Wells Fargo as my lender. I was never given an example at any time what my expected repayment amount would be. I took out XXXX loans and all were treated separately. currently i am expected to repay {$950.00} dollars a month. this is almost XXXX percent of my monthly income. Wells Fargo acknowledged this is more than i can afford. Wells Fargo refused with work with me, even though i try my best to ensure my account is current. Their reason is, i have a co-signer. I explained that my co-signer helps with other aspects of my like financially to ensure i can stay current on my student loans. All i asked for was work with my on some type of repayment package, instead of paying XXXX % of my monthly income to just wells fargo.