23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Discover Bank as defined by the IRS Form 1099-C even if I didnt receive a form 1099, I must report canceled debt as gross income on my tax return. IRS clearly defines charge-offs as gross or ordinary income and is not reported on the consumer report which makes your reporting inaccurate! By definition the IRS clearly says a cancel or charge-off is income.

15 U.S. Code 1681a ( 2 ) ( a ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Your company is furnishing inaccurate information as charge offs and late payments. When Congress specifically states that transactions or experiences between the consumer and the person making the report are NOT INCLUDED in the consumer report. You are in violation of law stated. is, in fact
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd complaint that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023
Product: Debt collection

Over my voicemail I have gotten the following illegal threats " We're going to have to start getting meaner if you don't pay up '' " Call us to discuss the bank draft you approved '' ( which I did not ) " Just do the right thing and we won't have to tell your boss about your debt '' I work as a 3rd party collection agent. These are NOT ok to say to anyone while attempting to collect a debt. 

I just sent off a cease and desist letter to their mailing address as well as email address. I informed them to only communicate in writing as of XX/XX/19 but apparently the debt collection laws don't apply to them as far as they are concerned. 

To my shame I've deleted all but one of the voicemails. They have never once identified who the debt is for and the one time I spoke to a person and asked them to stop calling me, the man on the phone was screaming at me rather harshly about being a 'deadbeat '. 

Please see my XXXX Complaint about this issue, and the many many others they've threatened and harassed despite being asked to stop.
Product: Debt collection

Company appeared on my credit XX/XX/XXXX without proper notification as they were obligated to do in accordance to FCRA rules. I have no knowledge of this account and the company only sent me correspondence AFTER placing debt on my credit given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. 

From my credit report I see the original creditor is XXXX, however I sued XXXX and won as they were unable to furnish proof that the accounts they were attempting to collect on were mine as my social nor signature matched their files.I tried explanation that I not only sued but won against XXXX in court back in XX/XX/XXXX for this exact debt as it was proven to not be my debt, the agent still refused to discuss with me the account as I couldn't pass verification. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system and for a bogus debt that was sold to them by XXXX  KNOWING the couldn't collect via the legal system as the account is not mine. I would advise this company to cease collection and remove ALL reporting from my reports as I have obtain legal counseling due to the selling and buying of a discharged fraudulent debt.
Product: Debt collection

I signed up with services from XXXX and bundled my service with XXXX. During my set up the rep told me it was only a one year contract and that after my year contract I could cancel my services. During the year many issues arose from the billing and each month I had to call both companies to straighten out the bill. Each company was paid according to what they told me. After 15 months I canceled service and relocated to a new state. I have checked my credit report and I am being reported to XXXX different credit agencies from XXXX. Each CA has a different amount and contacting both CA 's and XXXX I have gotten no where. I would like some direction on what I can do to remove this from my report. AFNI has listed I owe {$290.00} and the second company XXXX XXXX listed that I owe {$260.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX, trans Union, XXXX, and XXXX is reporting 3 late payments on my credit report therefor prohibiting me from obtaining any new credit accounts with any other financial institution. In addition to that because of this my credit score has dramatically decreased.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Ive submitted this complaint several times CFPB, EXPERIAN XXXX XXXX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever reason, Im beyond annoyed. The following accounts listed below were opened due to identity theft. Ive provided you ( CFPB ) & EXPERIAN & XXXX with FTC Fraudulent report support my position. It seems EXPERIAN XXXX are violating FCRA section 611, 616 & 617. They have provided XXXX VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. Id like these accounts blocked or removed based on 605b. this is my final request before I get my attorney involved because this matter has been creating an insane amount emotional & physical distress. Its caused me restless night & has caused me to miss work. My attorney told me I should just sue for violation in FCRA laws. Id prefer to NOT get litigious. Please see this matter handled. Id like the following accounts removed/blocked per 605b with the attached documents again. Thank you XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Inquiries : XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXXXXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX  Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023.
Product: Credit card or prepaid card

XX/XX/2022 PayPal will not allow me to login to my account because I do not have a mobile phone or a phone that provides texting. Last week I talked to customer service and was told that I would have to get a mobile phone. I asked to talk to supervisor and was told that the supervisor would not do anything for me and then was put on hold for supervisor for XXXX hour before I hung up. 

We can not get cellular service at our house because it is in a low spot. We only have a land line and our phone is not capable of receiving text messages. I was told they will not send a vocal message to our land line.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not reporting my mortgage to the credit reporting companies. Mortgage co now states because I filed bankruptcy back in XXXX and did not claim my mortgage to not be a part of the bankruptcy, is why they do not report my mortgage. however, i am attached proof of my property being exempt from the bankruptcy. in addition to the proof from being exempt, I also have a letter from XXXX stating this was their mistake and they are correcting it and going to start reporting it to the credit bureaus
Product: Credit card or prepaid card

I received two prepaid cards in the amount of {$10.00} each for donatingXX/XX/XXXXwith the XX/XX/XXXX. I acknowledge that it is my fault for not reading the fine print that there are fees associated with prepaid cards unlike gift cards and that they have expiration dates. However one of the cards still has a balance of {$6.00}. The company my prepaid center.com issues cards through XXXX XXXX. The card itself states on the front that funds do not expire and on the website it states that if you call you can speak to customer service about having remaining funds issued to you. There is no way to contact them through the website and their phone service is automated, so this is an untrue statement. I acknowledge that {$6.00} is a small sum, but I am sure that there are customers with larger sums and each consumer should have access to clear information and a way to withdraw funds that still belong to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name XXXX XXXX Account Number XXXXXXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Open. {$180.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$710.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$90.00} Original Balance {$920.00} Highest Balance {$0.00} Terms 12 Months Payment History show tooltip button Tap a month for more informationShow payment legend XXXX XXXX OK XX/XX/XXXX XX/XX/XXXX60 This account was not past due in XX/XX/XXXX. I was due on the XXXX I paid XXXX on XX/XX/XXXX in payments of XXXX XXXX XXXX all on XXXX the XXXX Balance is reporting {$710.00} Should be XXXX. I have sent documentation to the credit reporting Agency several times with no success
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints for several times already but still these items are visible on my credit report. I have no idea what is going on over there at the CFPB. I was a victim of fierce wrongdoing. I'm not accountable for these accounts. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. These accounts do not belong to me. I never applied to these companies. Plus, the continuous activity is weird. I believe someone stole my identity and opened these accounts without my permission or authority. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts. I have included here my FTC report. I'm truly confused by the bureaus antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. 


XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$6100.00}, XXXX XXXX XXXX Balance : {$3600.00}, XXXX CARD XXXX Balance : {$4800.00} Date Opened : XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$7300.00}
Product: Mortgage

My husband and I recently applied for a home equity line of credit with PNC bank. My husband is XXXX XXXX military serving for over 18 years. I have submitted my pay stubs as well as my husbands pay stubs upon request. We both have exceptional credit over XXXX. I received a request back from the lender asking me to have my husband write a statement attesting he will be in the military for another 3 years. I feel this is discriminatory to our military because I am not being asked if I will have a job for the next 3 years because know one knows if they will retain employment at their jobs. My husband being asked to provide a letter about his military service and his plans for 3 years should not be a basis for obtaining a loan or part of the underwriting process. Military service members pay is a combination of monthly pay, housing allowance, food, and at times cost of living adjustment. To deny a service member a loan due to their future in the military is not right as that is not asked of a civilian employee. This lending practice is particularly unfair to our service members and I am complaining not only for the protection of my husbands rights but that of other men and woman in the armed forces.
Product: Vehicle loan or lease

I pay additional money every. Month and they don't apply it to my balance I have called them seven times asking for this to be fixed I have been paying the extra amount for over a year and a half and they refuse to deduct it from my principal and just keep pushing the payment due date out and keep the loan amount high causing me to pay more in interest. The bank is M & T Bank and the loan is for my boat. I need this corrected and the principal adjusted please and they won't do anything for me and when I try to call the bank now I am out in hold for hours. As you can see by the attached document I pay more then the agreement and have been for a long time and the balance does not reflect it nor does the face they are charging me interest incorrectly.
Product: Checking or savings account

On XX/XX/ Truist bank closed my checking, I use the account to deposit my Social Security check, I have had the account for about 7 years, the bank allowed nine checks of {$990.00} to be deposited in the account and the cash to be withdrawn, I believe the bank was negligent in allowing this to occur, I have never used the account for these types of transactions and the bank should have detected it, the bank is threatening to charge me and inform other banks so I cant open an account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Transunion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Inquiries from Credit Report Dear Transunion Consumer Solutions I hope this message finds you well. I am writing to formally request the removal of certain inquiries that are currently being reported on my credit report. I understand that the integrity and accuracy of credit reporting is crucial to maintaining trust in the credit system, and I appreciate your attention to this matter. 

Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], I have the right to dispute information that I believe is inaccurate or incomplete. It has come to my attention that several inquiries listed on my credit file do not comply with the regulations outlined in the FCRA. Specifically : Inquiries that are not associated with my credit applications or do not have my written consent. 
Inquiries that have exceeded the permissible timeframe for reporting, as stipulated under FCRA regulations. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX Furthermore, I would like to highlight an ongoing lawsuit regarding the failure of credit reporting agencies to conduct thorough investigations in response to consumer disputes. The allegations suggest non-compliance with the statutory requirements to ensure the reporting of accurate and verified information. This reinforces my request for you to take swift action regarding this matter.
Product: Credit reporting or other personal consumer reports

I tried contacting Toyota Motor Credit ( Lexus Financial ) in regards to late payment reporting on my credit report. I tried calling them through the phone in regards to getting the details and at the end of the conversation I was unsatisfied with the information they provided because it is not what I have. I have requested documentation and they have yet to provide me physical evidence of the late payment.
Product: Debt collection

This complaint is a carry on of the other XXXX complaints that i filed in XX/XX/2022 with cfpb about XXXX and XXXX XXXX in which the debt couldnt be found in either of their systems and verify the accuracy with original date of open on the contract with either Company, now Im receiving the same account just by JEFFERSON CAPITAL trying to collect the same debt as stated above. This debt isnt mine, it belonged to a deceased member. Also this account doesnt fit my current address or anything to verify as mine. Anytime i requested verification of debt actually belonging to me and not just opened in my name i never receive a proper response just about the debt matching my name and a random date to my current living address which has been for the past 3+ years and no XXXX information has ever been sent to me when the fraud happened, so incorrect date for the account opened because i didnt open such a account at my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update and correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update these immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

A little over a year ago I opened the discover card app & was offered a program that would freeze my card for 1 year. They agreed to lower my interest rate to help me get my balance down if I agreed to 12 months of automatic draft payments. The app presented this as an opportunity discover was doing to help me lower my balance. They said they would review my account at the end of the year but suggested that if I maintained my payments my card would be reinstated. I agreed thinking XXXX was being kind & reducing interest to help me lower the amount due. A year goes by & I completed their program perfectly. I spoke with a few reps thru their app and they said your account is being reviewed it should be turned back on soon. I called & spoke to that department today. They told me that because of other credit issues on my credit report ( such as medical bills ) they were not able to reactive my account until I took care of those other credit issues. Even though I have been a loyal customer with discover card for 18 years. I have kept up my payments with discover card for 18 years, they are refusing to reinstate my account until debts that have nothing to do with them are resolved. Had I known that Discover was going to do this to me I obviously would have never agreed to their program in the first place. I feel like they tricked me with false Promises to get me to agree to suspend my account & make a year of payments to them. I would have never agreed to this program had it been accurately explained to me. This program should not be offered thru their app but only thru a person as I was completely tricked. Obviously, even though I have been a customer of Discover for over 18 years & even though I have good payment history with them ... they must have considered me high risk and took an opportunity to trick me into a years worth of payments & me agreeing to never be able to use my card again.