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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : **Complaint Regarding Refusal to Issue XXXX Form for Account with XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding the actions of XXXX concerning an account I had with them. The issue centers around their refusal to provide me with a 1099 form, despite the account being marked as a change-off on my credit report.

# # # Summary of the Situation : - **Account Name/Number : XXXX XXXX XXXX  the account was marked as change-off : ** XXXX  - **Amount of debt involved : ** {$11000.00} I understand that when a debt is forgiven or written off, I should receive a 1099 form if the amount is over {$600.00}. However, despite my repeated requests, XXXX has informed me that they will not issue a 1099 form because they claim the debt is still owed. I believe this is incorrect, as the account was marked as a change-off, which typically indicates that the debt was written off by the creditor. 

# # # My Actions and Concerns : - I have reached out to XXXX [ insert number of times ] to request the XXXX form, but they continue to deny my request, stating that the debt remains outstanding. 
- The account shows as a " change-off '' on my credit report, which, to my understanding, should reflect the cancellation of the debt. 
- I have not received any clarification or evidence from XXXX to show why they still consider the debt owed or why the 1099 has not been issued. 

I am concerned that XXXX may not be complying with regulations surrounding the cancellation of debt and the issuance of tax forms. The refusal to provide the 1099 may also affect my tax filings for the relevant year.

# # # Requested Resolution : - I request that the CFPB investigate this matter and ensure that XXXX either issues the appropriate 1099 form or provides clear documentation explaining why the debt is still considered owed. 
- I also request that XXXX update my credit report if the debt has indeed been discharged or resolved.

Please find attached any relevant documents, including communications with XXXX, copies of my credit report, and any other supporting materials. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called numerous of times and sent in proper documentation and still have the same issue and its has hindered me as I try to get these things removed from my credit report from trans union and experian with XXXX XXXX bank under the fair credit act 15USC 1681A
Product: Debt collection

XXXX XXXX XXXX XXXX ( XXXX XXXX ) on the behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated several laws attempting to collect a debt. Information was disclosed to my spouse ( non-signer ) and suggestions were made that I was having an affair and a XXXX. This same XXXX XXXX threatened to have me arrested at my home or place of business. He would find me and take me in. I acknowledge that I owe the debt and made partial payment today in an effort to resolve but my rights and the law were violated in the effort.
Product: Checking or savings account

On several instances, Wells Fargo has overdrafted my accounts instead of directly declining it due to the lack of funds. Resulting is several hundred dollars in overdraft fees. 

XX/XX/2023 Overdrafted XXXX cents Charged by Wells Fargo {$35.00} in overdraft fees XX/XX/2023 {$49.00} charge resulting in a negative - {$23.00} left in account, overdraft fee resulting in a total - {$58.00} on the account XX/XX/2023 {$19.00} charge leaving a - {$18.00} charge on the account, overdraft fee resulting in a total of - {$53.00} on the account This is just from the RECENT statements, I can pull more from even farther back up until I opened the checking account
Product: Credit reporting, credit repair services, or other personal consumer reports

show tooltip button XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX  XXXX XXXXDispute XXXX   XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX/XXXX/XXXXDispute XXXX XXXX XXXXDispute all ftc violations
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am experiencing significant negative impacts on my credit score and financial stability due to numerous inaccuracies on my credit reports provided by XXXX, XXXX, and TransUnion. These inaccuracies include discrepancies in account numbers, dates of activity, high credit limits, and account statuses for multiple accounts. Despite my attempts to dispute these inaccuracies directly with the credit reporting agencies, the erroneous information remains on my credit reports. 
Specifically, the disputed accounts and issues are : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Discrepancies : High credit, credit limit, date of last activity, account numbers. 
- Details Requested : ** Correction of high credit values and confirmation of the date last active. 

Additional discrepancies include the dates of account openings and closings, reported balances, and payment histories. These inaccuracies are adversely affecting my credit score and financial standing.
Product: Debt collection

I keep getting calls from a debt collector ( Franklin Collection Services ) that claims that I have an outstanding balance with XXXX XXXX XXXX for internet service when the opposite is true. I have closed my account and I actually have a credit balance remaining. I have a statement to prove it yet I keep getting calls from this debt collector. Their number is XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally request that Equifax conducts a thorough investigation into the recently updated and modified information as of XXXX XXXX  on my credit report as per the letter notice received from Equifax in the mail. I have noticed additional details such as Status Date, Balance Date, and Verified Item that require investigation. I insist that Equifax takes immediate action to remove any incorrect, inaccurate, and unauthorized accounts from my credit report. In order to proceed with this investigation, I kindly ask that Equifax provides me with a contract agreement containing my full signature and matching my full social security number, as it would serve as evidence of my supposed account with XXXXXXXX XXXX  and authorize XXXX XXXX XXXX to collect a debt from me. Equifax has yet to demonstrate how this account was validated or verified. Considering the violations of 15 U.S.C. 1681g, Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 6 ), 15 U.S.C. 1692g, and FDCPA Section 809 ( a ), I demand the immediate removal of this Collection from my credit report. It is crucial to emphasize that I have contacted XXXXXXXX XXXX multiple times to inform them that I have never entered into any contractual agreement with them, nor have I opened any insurance account. Unfortunately, XXXX XXXX has failed to provide any documentation or records supporting their claims. Despite my repeated attempts to rectify this situation, the issue remains unresolved. Should the need arise, I am fully prepared to seek legal assistance through the Office of Veteran Affairs to address this matter. As I am a XXXX XXXX XXXX XXXX. The inclusion of this incorrect Collection on my credit report has resulted in the denial of a loan and has caused significant harm to me. Consequently, I am prepared to take legal action against all parties involved, including Equifax, XXXX XXXX XXXX, and XXXXXXXX XXXX. It is important to emphasize that this situation is not only unlawful but also unjust, and I expect a swift resolution. In conclusion, I urge Equifax to conduct a thorough investigation and human review, rectify this issue promptly, and remove any erroneous accounts from my credit report. Your immediate attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

Upon filing of initial complaint regarding inaccuracies reported to credit bureaus on the balance and payment/owed amounts on closed FNBO secured credit account the company replied with further inaccuracies and incorrect reporting. FNBO claims my security deposit was applied to the balance on my card account along with a payment they processed with my bank for the amount of {$950.00} which would make the balance owed on the account {$950.00} plus the {$500.00} since both were processed the same day according to FNBO at an amount of {$1400.00} outstanding. If what they claim is true my account should have been left with a balance of {$950.00}, the amount returned unpaid by my bank but instead the balance FNBO claims still owed is the amount returned unpaid minus the XXXX security deposit. FNBO is incorrectly CONTINUING to report payments and balances on this account and blatantly disregarding banking regulations they're to adhere to. They have consistently falsely reported negative information on my credit reports and refuse to fix the incorrect information causing me extreme difficulty in acquiring adequate credit needed.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX XXXX XXXX - {$450.00} XXXX XXXX XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - XXXX - {$580.00} XXXX XXXX XXXX XXXX - {$0.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account : XXXX XXXX XXXX XXXX - Inquired on XX/XX/2021 XXXX - Inquired on XX/XX/2021 XXXX XXXXXXXX - Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX inquired on XX/XX/2021 XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - inquired on XX/XX/2021 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 instruction.
Product: Debt collection

I was emailed a final move out statement from XXXX XXXX. They told me that my final payment was to be made with PDQ. I made that payment with XXXX. Years later, Nation Credit Systems is trying to collect for something I dont owe. This has been paid through XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint at 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 and address 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: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX # XXXX the dates were XXXX. My XXXX XXXX XXXX # XXXX the dates were XXXX, XXXX - 2020, XXXX my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreementsaccommodations.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( XXXX ). 

I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX, for myself XXXX XXXX last XXXX Social Security number is XXXX, XXXX : XX/XX/1993. Please delete the following accounts. ; XXXX bal {$10000.00} ; XXXX XXXX XXXX XXXX. {$9900.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Pone : XXXX DOB XX/XX/XXXX Last 4 SS XXXX Attention : XXXX XXXXXXXX XXXX XX/XX/XXXX To Whom it May Concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report.

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found, please remove the inquiry from the three main credit bureaus. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 
Sincerely yours, XXXX XXXX XXXX
Product: Debt collection

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these items ASAP.
Product: Consumer Loan

I called Ally auto and inquiry about their ally grant program which is for individuals with low income. They did not tell me anything about the grant but other options. I wanted to find out why the grant organization did not tell me about the grant.
Product: Checking or savings account

I have been with Wells Fargo since 1996. My husband always made great money and received regular direct deposits. We also had a mortgage and car loan through WF and never made a late payment. About 13 months ago, my husband who is also on the account XXXX XXXX, leaving me in debt. So I have struggled to keep up. Recently, I have been ill and have no health insurance. Social security told me to come back in 8 years when I am XXXX. AZ state is out of funds to help it's residents with rent. I got behind on my rent and was told I would be evicted if I didn't catch up by XX/XX/XXXX. So the only thing I could do was sell my car. XXXX bought it for {$10000.00} and gave me a bank draft saying the funds were guaranteed with a draft. I deposited the check in an ATM and was sent an email that at least half would be available immediately. That wasn't true, so I called several Wells Fargo branches, corporate and the customer service numbers. I talked to about 8 people who all said they couldn't verify funds from check writer. So, I called XXXX customer service and their corporate office and C.E.O. They all said that everything was good on their end and told WF to put the check through asap. but WF said they need to wait now 7 to 10 business days! I deposited this check on XX/XX/XXXX. They're telling me it won't be available for 2 weekends. Maybe the XXXX. I told them I am behind on bills and rent and that's why I sold my car! Now you guys are going to hold the funds, which they never explained why? Nobody can give me a straight answer. In the meantime, my utilities are getting shut off and I am being evicted. I don't even have a car anymore. I have an XXXX XXXX XXXX daughter with XXXX and 2 dogs that are sick. I just had to put one down. We can't even get our dogs medicine! I have sold almost everything this past year just to stay afloat. We have nothing left. We've lost everything. This was our only hope and WF is torturing us by holding it. Their own rules say this is unacceptable and that 2 business days max when the writer and recipient both bank with WF. There is no good reason to hold like this. We have been through an unbelievable amount of heartache and XXXX. Our only reprieve was the sale of my car and WF kills it. We are done because of them. Things I paid are hitting the bank and now it's negative, they've sent payments back and now those accounts won't accept payment other than cash and I have no car to get it to them. WF is now going to charge overdraft fees and more for their own mess up. I've done nothing wrong and I feel like a common criminal. 
I need this draft to post asap or I want my check back and I'll go elsewhere to open a new account with another bank. 27 years of standing by their crooked side and this is the thanks we get. 
Nobody could possibly know the nightmares I live every single day. I have XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX, etc. Everyday. I have XXXX XXXX XXXX  and can barely XXXX. My XXXX XXXX XXXX XXXX and the pain is excruciating. I have no family or anywhere to go. All of this because of Wells Fargo. 
Please, please help. I don't know what else to do.