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

XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( Experian, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX for the cancelled debt of {$1400.00} in order to file as ordinary income. Where is my 1099-C? XXXX is clearly writing off debt with the IRS without sending out XXXX as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX terms and conditions they agreed not to share my information with non affiliates. Experian, XXXX, and XXXX are not an affiliate of XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX  must also refund the remaining balance of the consumer account upon its termination.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

JPMCB CARD Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below and correct or remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I had an accident steel tube neck injury lost all my power to act they never call me to check identity they stole my money and everything chase told me they cant help me and closed my bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has violated my federally protected rights,. I recently received a copy of my credit report, and I found unauthorized credit inquiries made by XXXX  and XXXX Theses inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquires lacking certifiable evidence unless physically certified and verified proof is demonstrated and prided per U.S. 15 U.S.C. 1681 SECTION 604 FCRA. These companies accessed my report without my consent 15 U.S. Code 1681b no permissible purpose these are not my inquires
Product: Credit reporting or other personal consumer reports

Please note I have been a victim of identity theft these inquiries do not belong 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request of removal of unauthorized -fraudulent inquiries that are on my credit file as of today XXXX XXXX XXXX and Transunion haven't complied with my demands or laws that are in place.Experian has complied with my request to remove inquiries but Transunion and XXXXXXXXhavent been in compliance of this matter.I am hereby notifying you that neither on that those dates or dates similar, did I authorize any individual from the above listed companies to pull or review my Consumer Report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), both together and separately, my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumeI still have fraudulent inquiries reporting to my credit file. I have contacted below companies and are seeking a fast remedy of removing these fraudulent inquiries XXXXXXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

To whom this may concern back in 2022 I was a victim of identity theft. I reach out to XXXX to remove the inaccurate account or show proof of debt validity. XXXX have failed to do so and sold my information to third party to collection agency to still collect on this debt. Also, I have evidence proof showing another third party collection company also is reaching out to me to collect for this SAME inaccurate account at the SAME time. 

I sent out a debt validation letter to SOURCE RECEIVABLES MNG to remove this inaccurate accounts or to show proof of debt validity. As a consumer I have rights to privacy and nothing should report onto report without my consent. But, I do not owe and not liable for this debt ; also I do not have a contract or agreement with SOURCE RECEIVABLES MNG. 

This is a violation to my consumer rights under the FCRA 15 U.S. Code 1681a ( d ) 1, 15 U.S. Code 1681c-2 ,15 U.S. Code 1681i ( 5 ) ( a ), 15 U.S.Code 1692j & 15 U.S. Code 1682s-2. FDCPA 15 U.S CODE 1692d Harrassament and abusive practices - 15 U.S. Code 1692c ( c ) CEASING COMMUNICATION - 15 U.S code 1692a ( 6 )
Product: Credit reporting or other personal consumer reports

The following accounts : XXXX Account # XXXX XXXX Account # : XXXX XXXX XXXXXXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Are reporting to XXXX, XXXX and Equifax when it is my understanding an reason to believe that because these debts were charged off that is was memorialized with a Form 1099C as proof or evidence thereof. I have a copy B of the 1099-C forms proving the debt was accepted by the IRS and discharged and that because of that fact, this debt is cancelled. According to IRS publication 4681 ( 1. ) Canceled debts, When a debt is canceled or forgiven, the amount of the canceled debt is treated as taxable income to the debtor by the IRS. Income can not be reported on consumer credit reports this indicates inaccurate reporting on these furnishers behalf and therefore is a violation of the FCRA by the furnishers to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) states that 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.

I demand that these accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel.

Attached you will find copy B 's of each 1099-C from each furnisher, and the IRS publication proving 1099-C 's are discharged debts and therefor income and INCOME does not get reported on consumer credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USE MY NAME AND SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA & # XXXX ; s. On XX/XX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below have violated my federal protected consumer rights to privacy and confidentially under 15 U.S.C.1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681section 602, A : I have the right to privacy 15 USC. 1681 sec.604 A sec. 2 Also States consumer reporting Agency can not furnish an account With or without my written instructions 15 USC. 6168 C. ( NA ) ( 5 ) sec. States No consumer reporting agency may make any consumer you may report containing any of the following items of information, any other adverse item of information other records of convictions of crimes which Amendates the report by more than 7 years 15 USC. 1681 s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows Or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENITY THEFT AND WANT THIS REMOVED IMMEDIATELY FROM MY CREDIT REPORT
Product: Checking or savings account

This is the second time they held my deposit now I have no money to feed my children no way to work and my children holidays are ruined my money was deposited on XX/XX/XXXX its the XXXX still no money my lawyer gave proof in email that it was clear on XX/XX/XXXX still waiting for my money XXXX depressed my children are hungry and nothing I can do because chase dont care they family eating good off our money they dont care about us Im to the point now I dont trust banks about to go old school and keep my money under my mattress at least I know I can feed my children and not wait for a bank to decide when I can access MY MONEY
Product: Credit card

My company is apart of my bankruptcy case that was served with official notification from the federal district court as of 2012. As of today this account is being reported to the credit bureau as negative.
Product: Student loan

Social Finance ( SoFi ) has been soliciting me to refinance my student loan for over 2 years. They presumably know from their soft credit pull that my debt sits with XXXX XXXX Bank. 

I submitted an application, and was told that SoFi does not refinance student loans from XXXX XXXX, even though I provided them with my loan note proving it is a Qualified Education Loan, as well as the 1098-E statement from 2021, further evidence that this loan is subject to 26 U.S. Code 221.

I have requested a review of the file, but received no further information from SoFi regarding the rationale or justification for not being capable of refinancing this debt. 

Thank you for your assistance in escalating appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was included in the XXXX, transunion, and XXXX data breaches which caused my personal information to end up in the wrong hands. I notice some inaccurate and incomplete accounts on my credit report that I were unauthorized that I need removed immediately. I know that information on your credit report needs to be accurate, but the accounts listed on my reports are not accurate at all. I also sent letters to XXXX, XXXX, and transunion more than 30 days ago and the disregarded my disputes and kept reporting false, incomplete and inaccurate accounts. this is hurting my reputation with the banking system and hurting my chances at getting approved for a home loan. I need all inaccurate accounts and inquiries removed now
Product: Mortgage

My property tax bill was corrected and decreased due to a   XXXX   XXXX   XXXX     XXXX  rating for my spouse. My taxes are escrowed with my mortgage servicer ( required ). I notifie d Seterus, my mortgage servicer and provided the updated tax bill along with  a written request for an escrow analysis on  XXXX / XXXX / XXXX , which was confirmed received  by Seterus that day. I made several calls over the next month to Seterus and  they had notes but nothing was done. In addition, even though they had the documentation  6  weeks prior and all notes in their system acknowledged the new tax bill, they paid  XXXX  he county the 2nd  installment due ( for  XXXX   XXXX   )  the full amount of the previous bill therefore over {$1300.00} in overpayment which is due back to me. I called them again in early  XXXX  and threatened them with a complaint to the CFPB. At this point, I did receive the updated escrow analysis but they still have not resolved the overpayment. I was told last month that while the payment had been allocated to a batch payment to be se nt to the county, it had not yet disbursed, therefore they were researching having the fund s cut back out of the batch and would refund me. This has been going on for a month and as of today, it 's still being " researched ''. In closing, final complaint : my mortgage is paid every month and has not been assessed a late fee since prior to a modification in  XXXX . Yet, this company has a practice of harassing calls on the  XXXX  of the month if they have not received payment. I would refinance to get away from this servicer, but obviously, any company I refinance with could sell my loan to a servicer and I have no control. In addition, I most likely would not be able to beat my current interest rate so I 'm shackled to this mortgage servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account OMNI FINANCIAL which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that OMNI FINANCIAL was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

This is an ongoing XXXX from previous complaints. The latest is LvNV responded to previous complaint the letter states that a summoned was served on XX/XX/year>. Please provide proof that summoned was received by said party how was it sent what address was the summoned sent to was a signature required and proof of signature signed for summoned. As of today I have not received any summons as the company allegedly reporting. I believe this to be false information on the companys part. Also the letter states that the the amount has been charged off, of amount has been charged off how is there a balanced owed? Where is the 1099c? I also requested proof of validation of debt a copy of original contract and LVNV contract with said signature. As of todays date I have not received validation of the alleged debt or contracts with my said signature. If LVNV can not provide proof of validation and contract with my signed signature this debt needs to be removed immediately. Last complaint ID XXXX
Product: Debt collection

At the end of XX/XX/XXXX, I began to experience mold in my apartment. I took pictures of the areas in my apartment that had mold, mold was present in and on the vents and walls. There was also a thick musk smell through out the apartment. I contacted the Leasing office at XXXX at XXXX XXXXXXXX XXXX  and let them know I had mold in my apartment and I became ill. The Manager at the leasing office told me that they would send someone out. After a few days past I contacted the leasing office again about the mold because no one had came to my apartment. Again the Manager said she would send someone out to my unit. Someone finally came after XX/XX/XXXX, and replaced the vent covers, however there was still a presence of mold in the apartment and I was still ill. I left the apartment on XX/XX/XXXX and began staying with my friend. I had to pay her {$500.00} to live with her for the remaining of XX/XX/XXXX and {$700.00} for XX/XX/XXXX. I contacted the leasing office at XXXX at XXXX XXXX and informed them that there was still mold in my apartment and the manager told me I could terminate my lease early. She advised me to email them stating I will terminate my lease and state the move out date. On XXXX XXXX I agreed to terminate my lease and submitted an email stating that I was terminating my lease due to mold and my move out date would be XX/XX/XXXX. I did not agree to pay the Ascend at XXXX XXXX anything. They did not provide me an invoice stating I had to pay anything at the time of terminating my lease. I also did not sign documentation stating that I would pay anything. I was in process of finding another place of residence there was no way I could pay for a new residence, pay for my current living situation and pay XXXX at XXXX anything. Also 90 % of my belongs that I removed from the apartment had to be disposed of because there was mold on the items. I had to dispose of a new mattress, clothes, any item that had a penetrating surface. An invoice or notice of payment was never provided to me at the time of terminating my lease. The XXXX XXXX XXXX provided me an invoice of the debt on XX/XX/XXXX. However, they did not provide documentation stating that I agreed to a debt at the time of terminating my lease.
Product: Debt collection

This company didn't make an attempt to enable a timely dispute regarding the debt. As their phone number doesn't connect and there is no email address given, it is clear to me that this company wants to force a payment, regardless of if this debt is actually owed or not.
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX, my wifes credit was stolen from our home. The perpetrator used our card at local stores and spent almost {$1000.00}. We reported the fraudulent activity to Citibank/Citi Cards. Weve reported it to Citi on at least 5 occasions. They are claiming that the fraud charges were not coded properly. The fraudulent charges have been reposted to our account and Citi is now claiming it may take up to 90 days to investigate. I have no idea why we are not being credited with the fraudulent funds. Again the charges initially we reversed and then suddenly they were reposted.
Product: Credit reporting or other personal consumer reports

Date XX/XX/year>, I have reached out to debt collectors asking for a 1099-c form that by law Im entitled to for tax purposes. They have not provided me with the form. They have reported to all 3 credit bureaus every month for two years as being a charge off. That alone violates my rights under the fair credit act. I would like these items deleted. Any help with this matter is much appreciated. 
XXXX XXXX XXXX XXXX XXXX XXXX Portfolio recovery. {$400.00}