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

Im writing to file a formal complaint regarding a charge-off account that continues to be reported my credit report, despite qualifying as income the IRS guidelines . The reporting of this account without the issuance of a 1099-C form is both misleading and a violation of my rights under federal law.

Background : The account in question was charged off by the creditor which legally classifies the balance as canceled debt, and, therefore, taxable income under the internal revenue code ( IRC ) 6050P. According to this provision creditors are required to issue a 1099-C form for canceled debts exceeding {$600.00}, allowing the debtor to report it as income to the IRS. However, I have not received a 1099-C for this account, yet the creditor continues to report the balance to the credit reporting agencies as an active charge-off.

Legal basis of complaint Violation of IRC 6050P : The internal revenue code mandates creditors report canceled debts exceeding {$600.00} to the IRS, and provide the debtor with a 1099-C form. The failure to issue this form not only prevents me from reporting my taxable income, but also raises concerns about the creditors adherence to the federal law.

Fair credit reporting act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ) : Creditors and furnishers are obligated to report accurate information to credit reporting agencies. Reporting a charge-off account as delinquent without the legally required 1099-C creates an inconsistency between the IRS classification and the creditors practices, constituting in accurate reporting under the FRCA.

Consumer financial protection act ( CFPA ) 1036 ( a ) ( 1 ) ( B ) : It is considered an unfair, deceptive, or abusive act or practice ( UDAAP ) to report a charge-off account as collectible or delinquent when it should be classified as income and documented through a XXXX.
Product: Payday loan

I got calls for several years about a supposed payday loan from XXXX or XXXX from various collection companies. I would ask for proof of this unpaid loan in writing. They would not send anything by mail. Some said they had emailed proof others said they did mail proof. I never received anything. This has been calls over the years from various companies who all seemed to have a little info on me. I noticed that Midwest XXXX put a payday loan as in collections on my credit report. I do not believe this is a valid debt. I have lived at the same address for 37 years and have had the same email Address for over 15 years
Product: Debt collection

Afni has once again despised a debt that was believed to be the result of id theft and removed from my credit once before there tactics are sleazy at best. I have asked even before my report with you and several reports with the FTC that this discontinue. The company has failed to provide any proof to the contrary and pay no attention to the FCRA or the Faor Debt Colllection act and continues to do business despite ignoring the law.
Product: Bank account or service

Bait and switch by Regions bank to sign up for a new bank account. 
In XXXX 2015, I signed up for a public offer through XXXX - {$300.00} offered as a sign up bonus for a new bank account after ( 1 ) opening a XXXX checking account, ( 2 ) making XXXX purchases with the check card and ( 3 ) {$500.00} or more in direct deposit. Offer states that once criteria is met, " get a {$300.00} credit to your regions account within 120 days. '' Upon signing up for the public offer, I received a welcome phone call from a customer service representative who informed me that I successfully signed up for the {$300.00} offer as defined by the public offer. He stated that I would receive the {$300.00} bonus as long as all of the criteria was met within the defined time frame ( 60 days ). 
I met the above defined criteria within 45 days of opening the accounting. However, I did not receive my bonus within 120 days or anytime thereafter. I emailed Regions in XXXX, XXXX and XXXX to inquire as why I had not received the bonus. Each time they stated that I needed to wait longer and that the bonus should be credited to my account if I met the defined criteria. Finally, in late XXXX, my case was escalated to a customer service agent who investigated the issues. She returned with the response that I did not enter in the offer code and she put the burden of proof on me. However, the offer that I signed up for was a public offer, through a link on XXXX. I provided ( 1 ) the public offer link, ( 2 ) a screen shot of the public offer as defined when I signed up and ( 3 ) the public offer code ( non-unique ) that I entered when I signed up for the bank account - XXXX. Further, I was able to show that I signed up for the bank account with the intention to obtain the {$300.00} bonus by my activity within the account - I met the defined criteria within 45 days as evidenced by my bank account history information. 
Unfortunately, Regions informed me that I did not enter in the public offer code XXXX when signing up for the account and therefore was ineligible for the {$300.00} offer. However, as stated above, I ( 1 ) received a phone call from regions at account inception confirming that I entered the code, ( 2 ) was able to provide a screen shot of the offer when I signed up for the account - public offer, and ( 3 ) I was able to provide the exact code that I entered when signing up for the account - non-unique code of XXXX. 
I am very disappointed in this situation and feel that I was both wronged and defrauded by Regions bank. I met all defined criteria of a public offer and Regions did not come through on their end. Bait and switch tactics by the marketing department to increase the customer base within Florida.
Product: Checking or savings account

On XXXX/XXXX/XXXX SUNTRUST, my bank took out an overdraft charge when I had sufficient funds in the account for the purchase in question. I had {$53.00} in the account and I made a purchase of {$41.00} and the bank applied a {$36.00} overdraft fee for that transaction. Had that overdraft fee not been applied unwarrantedly then my next purchase that cleared for {$10.00} would not have taken me into the negative either because I had {$11.00} in the account still. I DID overdraft the account at that point. I had not realized that I was in the negative and made an XXXX XXXX purchase which I over drafted for and since then they have charged me two more overdraft fees for a grand total of a negative balance of - {$110.00}. I do not understand why i was charged the initial overdraft when there was clearly enough money in the account to cover it. Also, I have never heard of an extended overdraft fee and I have been charged an ADDITIONAL {$36.00} for not bringing my account balance to XXXX within 5 days. Last I checked most of middle class and poor Americans like myself get paid every two weeks. And how can a bank punish someone further for not getting their account back to XXXX QUICK enough?
Product: Debt collection

I filed for bankruptcy on XX/XX/XXXX ( case bk 23:00556 in Florida XXXX XXXX. Capstone was listed as an owed creditor. On XX/XX/XXXX, I received two letters requesting for a settlement of the debt which was listed on my list of creditors. The creditor used my filing notice to update the address in their records and violated the automatic stay which is in place today.by contacting me via mail.
Product: Checking or savings account

I filed a complaint with Santander bank on XX/XX/year> the ATM at the XXXX XXXX location took {$280.00} i deposited and it read technical error on screen and it didn't return or deposited my monies in my account. I filed a form and they said after investigating this claim it was denied. I felt like I was robbed and part of a scam this bank has taking customers money. They can check their video and clearly see that I deposited money. Apparently this has happened numerous times at this ATM location just read the customer reviews about this bank. This has to stop as this ATM at this bank is taking customers money and not getting any help. This is fraud and has to stop before there are other victims.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account BANK OF AMERICA XXXX is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of XXXX XXXX. This Account is is Inaccurate And Has To Be Removed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries are not mine this information is incorrect and needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX & XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX & XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello someone has been using my credit to drive a cars. I have 2 cars in my name that needs to be removed XXXX and XXXX. I never seen these cars before. I have XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX  XXXX  what are these accounts. please help me this is ruining my life please.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  employees have been deleting my account information after Capitol One sends false debts to the credit bureau. 

As shown by the pdf photos provided, there is no payment history on my XXXX  account member ID:XXXX for the month of XXXX, yet there is a debt balance of {$1.00} for the month of XXXX. 

( This {$1.00} amount is consistent with my on time capitol one payment for the month of XXXX as shown by the pdf photo provided ) I also have confirmation transcripts from XXXX  employees stating XXXX  deletes account info. 

XXXX  Dispute Department of XXXX  Employee : XXXX team : XXXX, Site : XXXX, Texas XXXX XXXX 1 hour 32 minutes 39 seconds XX/XX/2020 " Capitol One did not report for the month of XX/XX/2020 '' " Capitol One reported to XXXX  before the due date was even due, and it has been like that since XX/XX/XXXX and they had been reporting on the XX/XX/XXXX of each month '' " a lot of information is missing from the report and erased from the account '' Direct line for the Dispute Department XXXX  agent women named XXXX XX/XX/2020 at XXXX XXXX : " Capital One reported no information for the month of XX/XX/2020. '' " Your account information has changed since the XXXX  agent XXXX spoke with you last week, your due dates are now noted as the XX/XX/XXXX of each month '' Furthermore, as seen by the pdf photos of XXXX and Capital One, it is fact that Capital one has sent false multiple debts to XXXX  for XX/XX/2020 and XX/XX/2020 which negatively impacted my credit score. 

FCRA regulations state creditors ( Capital one ) has to report accurate information to reflect on the credit report. 

Capital One is in violation of FCRA regulations as shown by the evidence pdfs provided. 

XXXX  employees are deleting information sent by the creditor Capital One and have erased information from my account. 
XXXX also has a XXXX  XXXX system which is not providing accurate information. As shown by the pdfs, when a false debt is removed from my account, my score dropped 27 points.
Product: Checking or savings account

Ive had fraud on my account which the bank refuses to accept that is not my fault. They wont give provisional credit or approve the fraud charges. I have direct deposits that come in every Thursday night, and the bank is flat out refusing to stop the direct deposit. Because of that, I wont be able to access any of my deposit because they want to keep the money. I know they can stop the direct deposit, so my company can put it in my other account but the bank refuses to allow this to happen. The complaints I found online shows that they have done this to numerous other veterans, and its not right.
Product: Money transfer, virtual currency, or money service

I received payments through XXXX money transfer, as it was an easier option and a service I trusted. I received the money over the course of XXXX days, XX/XX/2022 to XX/XX/2022. The amounts were {$950.00}, {$600.00}, {$500.00}, {$750.00}, {$450.00}, {$500.00}, and {$300.00}. I was assured that XXXX payments are not refundable and it can not be reversed. I was surprised to see that the amounts were reversed and it was taken from my account. I was not notified and was not made aware that such claim was filed against me. I just saw the money was taken from my account and was given no further information about the case
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several mortgage companies, and banks that have pulled hard inquiries on my credit report with all 3 bureaus that I DID NOT authorize. I reached out to all the companies in question, and they told me they would look into it. Not one bank nor mortgage company did anything about the hard inquiries or contacted me back. It is very frustrating when you didn't give anyone permission to pull your credit, yet the credit bureaus will not do anything about the unauthorized inquiries on my credit report. Below is the name of the companies who pulled hard inquiries without my knowledge. 

1. CREDCO- ( Pulled Credit -XX/XX/XXXX ) 2. XXXX XXXX- ( Pulled Credit -XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) 3. XXXX - ( Pulled Credit -XX/XX/XXXX & XX/XX/XXXXand XX/XX/XXXX ) 4. XXXX XXXX ( Pulled Credit - XX/XX/XXXX ) 5. XXXX XXXX - ( Pulled Credit - XX/XX/XXXX ) 6. XXXX XXXX XXXX - ( Pulled Credit- XX/XX/XXXX ) 7. XXXX XXXX - ( Pulled Credit - XX/XX/XXXX ) 8. XXXX XXXX XXXX - ( Pulled Credit - XX/XX/XXXX )
Product: Debt collection

In XXXX 2015 I filed complaint against Enhanced Recovery Company. Case # XXXX. During the dispute process, Enhanced Recovery advised they will request documentation from XXXX XXXX XXXX regarding this account. To date, no documentation has been received and the account is still listed on my credit reports.
Product: Credit reporting or other personal consumer reports

I am rewriting the complaint to CAPITAL ONE about the reported data 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 XXXX XXXX, GA XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX. The FTC report number related with this complaint is XXXX 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 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: Mortgage

I applied to Third Federalfor a mortgage refinance and HELOC in XXXX and they were approved but I haven't been able to close yet. Apparently Third Federal says they sent 3 requests to XXXX XXXX for  payoff amounts but XXXX XXXX  says they haven't received any payoff requests. So I applied in XX/XX/2019 and was approved but 4 months later no closing. The last email I received from my loan officer stated she would get her management team involved ( with grammar errors ). She said she thought that the title company should have contacted me even though in previous emails she said the problem was we don't have payoff amounts.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

I paid my XXXX XXXX comenity overstock credit card balance on XX/XX/year>. The whole balance was paid with my bank card. I then called them to close the account. I was told to wait at least 24 hours before I could close the account. The next day I call to close the account and I was told that I needed to pay a XXXX XXXX purchase fee in order to close the account. I categorically refuse since then, the account has gone from XXXX XXXX XXXX XXXX XXXX in late fees. Each time I have spoken to them, I get a different reason as to why my account was charged XXXX XXXX  the day after I paid the full balance of XXXX or so. The latest call with them had me waiting for 25 minutes to simply getting an explanation. Then I was told it was a finance charge. I can't even login to my old account since they have changed it to something else in order to access specific details.
Product: Debt collection

Within the last 2 to 3 weeks ( XXXX XXXX or so ) I have been receiving calls on my home phone and cell phone from a person who says he is with " OneMain '' and it is " an attempt to collect a debt '', and that I should call back according to times in the Pacific Time Zone. XXXX of the numbers he called from are : XXXX and XXXX. I have no idea what debt this outfit is talking about ... ..I have no outstanding debts with this company or any other. I am reguarding these calls as deceiving promotional calls and am blocking them. I have received no correspondence from this company nor any other about any outstanding debt. These calls are completely falascious and must be stoped!
Product: Checking or savings account

I have not been able to access my online statements for my 11 CD savings accounts at Marcus Bank as detailed in a prior complaint here XXXX XXXX ), which you closed at the bank 's request on their say so. In the prior complaint that was closed in XXXX, the bank claimed to be putting in a fix by XX/XX/2021. It was not fixed by XXXX when I check on XX/XX/XXXX. On XX/XX/XXXX, I received a call from the bank claiming it fixed the issue. They fixed my savings account and I was now able to see the listing of my statement now back to XX/XX/2021, which is when this problem first started. After I hung up the phone, I started downing my 2021 statements. When I got to the first of my XXXX CD accounts this is the error message I got : { " requestId '' : '' XXXX @ XXXX '', '' status '' : '' ERROR '', '' error '' : { " code '' XXXX, '' message '' : '' Error getting document by XXXX '', '' fields '' : { } } } For 5 months I been trying to get this fix as detailed in the prior complaint. My wife has lost all faith in the bank and fears for the safety of our money. I am now taking steps to remove our money from the bank even if it means taking penalties. It is better to lose a few hundred dollars in interest than $ XXXX of our money held in their bank. 

I have lost faith in the federal government to ensure the safety of our money. Marcus Bank does not have the ability to safety manage or control their computer programs. If they can't manage their in house software, how safe is my money from a computer hacker or from some other cyber security flaw?

And another fact, Marcus had to restate all of the XXXX statements because of some glitch. 

If the CFPB is not concerned then maybe the FDIC should be since they may have to cover the lost.

A review of Marcus Bank XXXX page has many others concern about their money 's safety and the bank 's computer abilities. My wife detailed our issue and the bank took down her post. What are they trying to hide? Only after she detailed how we filed a complaint with CFPB did it stay posted. 

It comes down to this. An online bank should have accurate online statements. Since the beginning of 2021, that has not happen for the 13 accounts that I had at the start of 2021 and now I can only get 1 out of 12 statements online for the month of XXXX. 

I have try 24 times via chat, registered letter, phone calls, even a prior complaint for over 5 months to get this fix.
Product: Debt collection

A new collection agency is claiming that I owe {$790.00}. I have supporting documentation that this situation had already been resolved.