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

I am writing to formally address and clarify significant discrepancies concerning the management and reporting of my financial account under your purview, specifically regarding the non-issuance of IRS Form 1099-C and the alleged discharge of a charge-off as part of a bankruptcy proceeding. This correspondence serves both as a formal complaint and a prelude to the enclosed Affidavit of Fact and Truth.

As per the Internal Revenue Service regulations, I have not received the required Form 1099-C, a necessary document for reporting the cancellation of debt which inherently impacts my tax liabilities. The absence of this form suggests a non-compliance with IRS tax laws on your part, a matter of serious concern and potential legal implications. 

Furthermore, your company 's assertion that this charge-off has been addressed through a bankruptcy discharge remains unsubstantiated. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611, paragraph ( 6 ) ( B ) ( iii ), during the procedures of reinvestigation, ... if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available .... 

In light of these requirements, I hereby challenge the verifiability of the account status reported by your company and question the validity of the claim regarding its discharge under bankruptcy laws. It is imperative for your company to provide a detailed and transparent account of the process undertaken to determine and report the status of my account, including all relevant communications with information furnishers.

Attached to this letter is an Affidavit of Fact and Truth, detailing these concerns and my formal stance on the matter. I expect a prompt and detailed response to this affidavit, along with the requisite documentation and explanation as mandated by law. Failure to adequately address these concerns may necessitate further legal action. 

I appreciate your immediate attention to this serious issue and look forward to your compliance with the legal requirements as stipulated by the FCRA.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax, XXXX and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened At : 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries such as 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 XXXXXX/XX/XXXX reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This company has continued to report the referenced collection account on my credit report, while failing to provide me with proper validation that I request from them in mailed correspondence dated XXXX. This is a flagrant violation of the FDCPA.
Product: Bank account or service

Good day. My name is XXXX, and I am filing a complaint against US BANK CORP in regards to multiple fees. I opened a US BANK account around XX/XX/XXXX, responding to an internet offer. After an initial deposit to open the bank, I found myself not using the account and did not manage the account for a period time. After receiving a statement saying they were closing the account, I concluded that there was no further action to be taken. Not knowing that a credit card payment had been made due to an auto payment set up, US BANK continued to add on several or more fees knowing that the balance was accumulating over XXXX dollars in the negative. After receiving a letter from a collection agency regarding the US BANK account ( I was unable to login to the account after US BANK had locked up online bank access ) I was shocked to see a balance of {$250.00}. After contacting the collection agency and having them cease and further efforts to collect on the debt, I filed a dispute with the XXXX, and received a statement from US BANK Corp regarding the balance. I disputed their efforts to collect on the balance stating that their numerous weekly overdraft fees, along with a " closing account '' fee of {$30.00} were unacceptable and that I would be willing to pay for the overdraft fee and balance for the payment to my XXXX. What I do not agree with is why banks allow an account to go negative, thus accepting a payment, allowing the balance to go negative and then adding on nearly {$200.00} in fees. It feels like I paid US BANK {$200.00} to open an account for a promotional offer. I replied to their first statement noting the fees and my offer to pay for what I feel is my responsibility, only to receive a second response stating that I was to pay the full amount, and that the record would remain on my XXXX file. No remorse, no empathy for my situation, pretty much that " this is how it is, we hold all the cards, you pay us now ''. I find this unacceptable and for the most part, criminal. I come to you today to assist me in showing these big banks that they can not bully us into paying all these ridiculous fees, a " closing account fee '', really? The further you put somebody in a negative balance the worse an impact it has on their financial situation. I would never even have taken their promo offer if I knew I would be out {$200.00} after XXXX months.
Product: Checking or savings account

I went on a Saturday XX/XX/XXXX on Chase branch on XXXX XXXX XXXX  XXXX XXXX in XXXX to open a prepaid card, the guy was super nice and asked for my documents and I provided him with 2 IDs and proof of address and I left the bank with my prepaid card, I deposited money in the bank  and was using my card normally over the weekend a few cash deposits a few debit transactions, Going thru the online banking, I saw a good deal to open a checking account so I did open online a checking and savings account on Saturday night, and kept using the accounts normally on Monday morning I woke up whe I got to work my online banking was locked, I called chase and the lady said that the account was suspended all I had to do is stop at a chase branch with my ID and they would close my account and open new accounts, on the next day I went to chase bank by my house in front of XXXX hospital the lady at the bank ask for my ID and I give her the ID and she start to make a phone call and she put me on the with someone that told me Chase was ending the relationship with me and I could no longer have chase accounts, and I ask why all they say was because of transactions on my checking account, I though with myself but Isnt that what checking account are for? And the transactions was about 4 debit card transactions and 3 Cash deposits, wich left me a balance of {$40.00} approximately the lady that was speaking to me was extremely rude, she said that I owed the bank money because there was a few transactions that had not going thru including a deposit of {$100.00} that my BF sent me thru his chase account, I mean if didnt go thru how it shows up on my account, she wanted me to pay chase right away, I said that I wasnt going to pay anything because the money was debit to my bf account and she made me going they this embarrassent of asking my bf to call the bank and she really was treating me like she was superior or something! I never felt more humiliated in my whole life, she was really desrespectfull, and today I got a letter I. Mail says that the accounts were closed because of suspicious transactions or I didnt provided the documents they asked!! I was like! Really? Because of what transaction? XXXX MTA? They just lied straight to my face! And treated me like I had a really contagious disease, I think is not right!
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, my PayPal Account was Permanently Limited without any reason as I was delivering my digital items on time to my customers. They also canceled or reversed transactions because they thought they were fraudalent in which they were authorized and not fraudalent transactions whatsoever and was curious to find out the reason as to why my account was permanently limited as everything I did was under fair use and justification of the PayPal ToS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX  - No documentation of this its false needs to be removed XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 XXXX : It also states the consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Case # XXXX against XXXX XXXX/ XXXX : XXXX XXXX acknowledged their inaccurate reporting of a 30 day delinquency and sent CFPB and myself letter acknowledging the inaccuracy to be removed ; Experian initially removed this error however it has now reappeared ; I have disputed this error with Experian , called Experian, and Sent the CFPB Letter to Experian via Certified Mail yet the inaccuracy continues to appear - Please help me resolve this inaccuracy I have worked tirelessly to keep all credit tradelines current and to make sure Experian and XXXX XXXX Are reporting accurate information thank you.
Product: Debt collection

On XXXXI received correspondence in the mail from H & R Accounts , Inc that violates several of my federal rights. On XX/XX/2021 I sent a notarized affidavit with exhibits to highlight the serious violation of federal law that this company committed. I intend to pursue this matter to the fullest extent of the law being that this company violated my rights and federal law in the process. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that H & R Accounts , Inc is in violation of 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ) and 15 USC 1692d ( 1 )
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Wednesday XX/XX/21 Wife sent me {$140.00} at XXXX and I made a withdrawal at a atm around XXXX. On her account for Cashapp, it shows that she sent me the {$140.00} but on my account for Cashapp it does not show this. Also, when adding everything up since the moment I got paid that day it doesn't add up and I am missing {$140.00}. I have contacted cashapp multiple times with almost every customer service associate either hanging up on my wife and I or not listening correctly, then assuming that there isn't anything wrong. But multiple times customer service couldn't find my account, even though i was giving them all the information. I have sent them screentshots of what it's supposed too look like if someone was too send money then withdraw. Also, times on when transactions taken place do not match up. I have reached out multiple time both call and email but no one is helping with the matter. The screenshots taken are of my end of the app, the statement is from Cashapp. As you can see things do not match up. Please advise on this matter
Product: Mortgage

green tree, know it call ditech was change my loan payment no notices why, no information what was going on no one to talk to me you can not to with escrow about your loan. One of the employee was demanding XXXX in a cash year check made out to cash or they would make sure l was homeless ruined my credit report l have been paying my homeowner insurance and property taxes. l can not get any help
Product: Debt collection

I have a a unverified account from MEDICAL DATA SYSTEMS INC # XXXX. I had previously disputed this account.I have already paid off all medical accounts.MEDICAL DATA SYSTEMS INC is in violation of HIPPA act laws by continuing to report negative information about an account that has already been handled and paid in full. I am in the process of buying a home and this account is still showing and Medical Data Systems no longer owns any of my personal medical records.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear TransUnion, Incorrect balance amount is being reported for XXXXXXXX XXXX XXXX XXXXXXXX AS SHOWN ON ATTACHMENT. Please update account balance with correct balance information!
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! Account Name : firstpoint coll resources These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL st to subsection ( c ) any consumer reporting agency may furnish a consumer report under lowing circumstances and no other : ( 2 ) In accordance with the WRITTEN GDIR CEO ION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding this account be deleted immediately
Product: Mortgage

In the last few months, I have mailed in multiple additional principal payments, only to have them be placed incorrectly in suspense accounts, be applied incorrectly as payments, despite mailing them to the specific address at XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX, in XXXX California XXXX as instructed by Carrington Mortgage representatives. As a result, I have been paying mortgage interest at 6 %.
Product: Credit card or prepaid card

Back in XX/XX/2020, I purchased an airline ticket with XXXX XX/XX/XXXX. In XXXX, when the flight was scheduled, it was cancelled due to Covid. I fought with both XXXX XX/XX/XXXX and Citi Bank Credit for a refund. It was denied even though U.S. Dept. of Transportation said the must offer the refund. It took ten months of dispute and getting my congressman, Representative XXXX involved to get the refund. However, Citi Bank credit card refuses to refund the credit charges even though they acknowledge that it was a bogus charge in the first place. Charges from Citibank are about {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$1900.00} Equifax XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance {$2800.00} XXXX : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$2800.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent a address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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 redres for these violations.
Product: Debt collection

All 3 credit bureaus are listing another XXXX  XXXX debt on my reports I've already paid it through a collection company named the bureaus but because the bureaus know its illegal to buy a debit and come after me for it they listed another one on the credit bureaus as coming from XXXX  XXXX but the address and phone number to contact is the bureaus because I called the number and that's who answered so their either trying to make me pay it again or just putting a bogus one on the credit bureaus. I never had two XXXX  XXXX cards, this is just becoming a nightmare I'm trying to clean up my credit so I can purchase a home and it seems like for every step forward they make me take two steps back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). Item XXXX XXXX Credit Card services was deleted and company reinserted the item without notifying me within 5 business days after and certifying that the items were validated properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is the company on the credit file. Transunion is the company that will not do what is correct. They have reported an inaccurate late payment and I have contacted them and the credit bureaus. They have removed the account from XXXX and XXXX with no problems. Transunion keeps coming back with the account being verified when they have admitted it's an inaccurate late remark and was supposed to be removed. They are refusing to remove it and can not provide proof of the late payment. Neither can XXXX XXXX.
Product: Debt collection

XX/XX/2017 {$97.00} Contacted about amount, should have been covered by insurance
Product: Vehicle loan or lease

In the month of XX/XX/ I noticed multiple unauthorized account on my credit report that I need removed because it has cause me a lot of issues due to them still being on my report. 

On XXXX I have 4 unauthorized hard inquiries : 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 GLOBAL LENDING SERVI 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
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. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX-XXXX  has violated my rights. XXXX Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX had violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. 15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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: Student loan

I took out a student loan with Sllie Mae -consolidation in XXXX, This was a federal loan. I was continuously put into forbearance for many years which continued to drive the loan balance up. In XXXX When Navient took over they eventually offered me the income sensitive repayment option. I file a Bankruptcy in XXXX, XXXX, XXXX. Each time the student loan would not be forgiven = or reduced. I recently asked Navient for the original loan documents and complete payment history. To my surprise I received some of the documents however, in XXXX a new loan was originated in a former married name. The promissory note supplied does not have my signature it is a typed in signature, To be clear my loan was taken out in XXXX with Sallie Mae I was not married when I took out a student loan. Somehow a new loan was generated in XXXX XXXX-my former married name along with it now being a private loan with a 9 % interest rate. This is fraud. The $ XXXX loan is now $ XXXX.
Product: Credit reporting

the only thing I want to correct on my first dispute # XXXX. Is that I typed in the wrong year I first recieved my loan with XXXX in XXXX of XXXX. Not XXXX like I typed in.
Product: Debt collection

I was sued in 2014 for a debt that I owed XXXX XXXX. Midland Funding bought the debt and filed a suit against me and garnished my wages until the balance was paid in full. After paying this debt in full, I received more correspondence from Midland Funding as well as XXXX and XXXX XXXX. stating that I was being sued again for the same debt. I have spoken to both compnaies and Midland Funding refuses to speak to me about my account and told me they sold the account to XXXX XXXX XXXX after this account was satisfied. I contacted XXXX & XXXX and they stated that they never received the money that was garnished from my paycheck and that this account could not be closed until it was satisfied. I am looking to sue both companies for constant harassment. This is affecting my daily job responsibikities as I have to take off of rom work to resolve this. I will attach a copy of my check stub showing the garnishment paid in full.