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

Request for Explanation Regarding Charge-Off Reporting I am writing to address a significant concern regarding the reporting of a " charge-off '' on my credit report. According to the IRS, a charge-off is treated as taxable income for the creditor, as it reflects a forgiven debt. However, credit reporting agencies have explicitly stated that income is not reported on consumer credit reports. 

This contradiction raises the following critical questions : Why are charge-offs being reported on my credit report when they represent taxable income that, by your policy, should not be included in credit reporting?

Why was I never issued a Form 1099-C by the creditor, as required when a debt is forgiven and considered taxable income? 
How is it legally permissible for a charge-off to be reported more than once, given that a charge-off can only occur once per account, as outlined under federal guidelines? 

These discrepancies indicate potential inaccuracies in the way the charge-off is being reported. If this reporting is deemed incorrect, I would like to immediately remove the charge-off from my credit report to make sure it complies with the Fair Credit Reporting Act ( FCRA ) and other applicable laws.

Additionally, I am requesting a formal explanation regarding the legal and procedural basis for : Reporting charge-offs on my credit report while no Form 1099-C has been issued. 
Allowing multiple charge-offs for the same account is not permitted under federal rules. 

Please provide your response within 30 days, as required by federal law. Please include a detailed explanation, along with any supporting documentation or legal justification for reporting this charge-off in its current form.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint and Request for Removal of Improper Charge-off THD CBNA I am writing to formally contest and demand a prompt investigation and deletion of improper charge-off entries reported by a third-party collection agency on my credit report. These entries have significantly damaged my financial reputation, preventing me from obtaining a home mortgage, an auto loan, and additional credit lines. 
It's important to note that I have never had a contractual agreement with this collection agency. Their reporting of my credit data without a contractual relationship is not only unfounded but also violates several legal standards regarding credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The charge-offs reported, which are effectively claims of debt I have not acknowledged, are listed on my credit report without my consent, clearly breaching established rules of lawful credit reporting. Also know as certificates of indebtedness. 
2. **Failure to Provide Form 1099-C** : The agency did not supply me with Form 1099-C for debt cancellation, crucial for correct tax filing and IRS compliance. This failure exposes me to potential tax non-compliance risks.

3. **Violation of Privacy Rights** : This reporting breaches the Privacy Act of 1974 ( 5 U.S. Code 552a ), which offers strict protections against unauthorized disclosure of personal data. 
4. **No Contractual Relationship** : There is no formal agreement between me and the agency, making their credit reporting a direct violation of my consumer rights.

5. **Opt-Out Rights** : Per regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am officially withdrawing any implied consents for sharing or reporting my credit information. 
Considering these issues, I request an immediate review and removal of these erroneous entries from my credit report, along with written confirmation of this removal. Please be advised that I am ready to pursue further action, including legal measures, to correct my credit information and defend my rights. 
I appreciate your prompt attention to this critical issue and await your swift action and response.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I received my latest mortgage statement, I noticed a late charge on the statement. I called XXXX and spoke with a representative and said we received the bill on the XXXX and it is due on the XXXX. There is no way the payment would reach XXXX by that date. The representative said she would waive the late charge since it was not our fault that the payment was mailed late from their office. We have NEVER had a late charge until this last statement, since now they are mailing the statements late. We should not have to pay the price for the mortgage company 's late statement mailings. This late charge information is destroying not only my credit but that of my wife 's also.
Product: Credit card or prepaid card

I have requested numerous times that an executive calls me. I was also told by an " executive coordinator '' would be in contact with me. No one has called me yet, in which this was over a month ago. Their employees provide customers with false information and provide POOR customer service. Both accounts have been paid on time for over 2 years, in which they fail to increase the credit limit on both accounts. Several of their reps have told me that there is an option to have my credit card accounts, " manually reviewed '' and others have said that this is not true.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELETE THIS INQUIRY PLEASE
Product: Checking or savings account

My account was hacked into and Chase bank refunded my amount then they got back to me saying I was not liable for any fraud. About a month later I see Chase Bank took Money from my account contacted them and they stated to me that i was responsible to pay amounts for fraud due to a chip being used i was a victim of identity theft. Chase Bank has not reached out to me then my account became negative due to them taking money out my account. I had to change my account number 2 x and still i called and the customer service department clearly told me we are not refunding money back to you I spoke to managers who told me they made a mistake in refunding money back to me.
Product: Mortgage

I have a trial period of loan modification HARP. My mortgage was sold. Mortgage company will not send a statement. I sent my payment to the address on time. They will not acknowledge my modification, and take my payment and wo n't apply to loan. they say I 'm 49 days overdue. It is absolutely impossible to get a human being on their telephone, you can go around in the same circle for hrs.
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 was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than XXXX business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX Late Dates XXXX
Product: Credit card or prepaid card

American Express is incorrectly reporting me as an Authorized User on the AMEX partial account number XXXX and AMEX partial account number XXXX. I did not give permission to be added as an Authorized User on these accounts and I respectfully request that I be removed. I have contacted American Express directly to have me removed from these accounts, however I have not been successful.
Product: Credit reporting or other personal consumer reports

I contacted these credit reporting agencies multiple times to inform them of the multiple inaccuracies and the illegal reporting and furnishings of the information hours presenting but have not received satisfactory response or legal documentation are requested. Instead, they continue to deny my ride to dispute inaccurate, misleading and illegal information that it's already caused actual damages by sending a response of verified. Are we do not believe this is you? When asking for the description of the procedures used to verify the response is not compliant and unsatisfactory to the FCRA the CFPB the FTC. And even their own XXXX  compliance standards.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit file that are not mine. I have not applied for anything. I have contacted TransUnion to advise that these are not my inquiries they have ignored what I have requested I would like for these increase to be removed permanently and immediately.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
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. As expected, CFPB and TRANSUNION have disregarded my request AGAIN for the DELETION of the accounts below which are not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have provided everything you need from my personal information to my FTC which I have filed, but nothing has changed.I also contacted the banks and they agreed to not report the accounts on my file BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When asked why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. Now tell me, are playing around?! Coz let me inform you that you are NOT COMPLYING with the law. Pursuant to FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. And where are those proofs? NONE! You have provided ZERO VERIFIABLE PROOF! I dont want to be so nasty, but please FOLLOW THE LAW! COMLY WITH IT AND DELETE THESE ACCOUNTS INSTANTLY! 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

On XX/XX/XXXX the Consumer sent a Notice via U.S. Certified Mail return receipt request to XXXX XXXX XXXX XXXX, the original creditor. XXXX XXXX XXXX XXXX, stated they sold my account to Jefferson Capital Systems LLC. , on XX/XX/XXXX. I have rescinded the security interest agreement obtained with deceptive language and forms by the XXXX XXXX XXXX XXXX. This is NOTICE to Jefferson Capital Systems LLC., to rescind the security interest agreement they acquired without my consent. Both XXXX XXXX XXXX XXXX. and Jefferson Capital Systems LLC., have committed securities fraud, identity theft, trust fraud, and transferred stolen goods across state lines ; I did not consent to either party in the releasing or selling of my private information. The 20-day process as required pursuant to the CFPB begins the day the Jefferson Capital Systems LLC. , receives notice of this " security interest '' rescission. Both parties are liable to the Consumer for the damages, fraud, and losses caused pursuant to 15 USC 1640 Civil Liability. " My Security Interest is Non-Transferable ''! I am the holder of the majority and priority interest.
Product: Debt collection

Medical bill was put on credit report, causing loss, financial hardship and denial of credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
-- -- -- -- -- -- -- -- - XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
-- -- -- -- - XXXX XXXX Address XXXX XXXX XXXX XXXX, FL XXXX XXXX number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
-- -- -- -- -- -- XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
-- -- -- -- -- -- - XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Debt collection

Someone open accounts using my private information without authorization and cause a debtor status to be placed upon me without authorization or disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$880.00} Inquiries : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize XXXX XXXX  to run my credit on XX/XX/XXXX and on XX/XX/XXXX for mortgage reporters on both dates for the same reason, on any bureaus or at all the phone numbers I have for them both are XXXX I did not authorize XXXX  XXXX XXXX  to run my reports on no bureaus or at all on dates XX/XX/XXXX and XX/XX/XXXX for bank credit card, the phone number for both are XXXX I did not authorize XXXX to give me a hard inquiry or run my credit on date XX/XX/XXXX for a bank card I did not authorize XXXX XXXX XXXX to run my credit or give a hard inquiry on XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX for them XXXX I did not authorize XXXX to run my XXXX XX/XX/XXXX from XXXX  and XXXX XXXX XXXX their phone is XXXX I did not authorize XXXX to run my credit on XX/XX/XXXX for XXXX  XXXX XXXX XXXX their phone XXXX XXXX I did not authorize any of these companies to run my credit this is fraudulent.
Product: Mortgage

I have problems with loan servicer Ocwen on how my account was billed and payments were credited to the account. Also, the additional charges and fees after the account was brought current as it took over 9 months for a payment of {$42000.00}, to be credited to the account. 

I requested a payoff quote dated XXXX XXXX, XXXX was {$55000.00} ( I have a copy ), Interest was due {$9900.00} per the payoff statement and at the end of the year XXXX I received a corrected Mortgage Interest Statement ( I have a copy ) for {$19000.00}. Also, IRS document reflects an additional {$9700.00} more interest from XXXX XXXX to XXXX XXXX, XXXX, in less than 10 months. My question is how a loan at XXXX per cent interest on a principal balance of {$29000.00} as of XXXX XXXX, XXXX accrue an additional {$9700.00} in 10 months? I would like someone to explain that to me. 

I sent a wire transfer of {$42000.00} on XXXX XXXX, XXXX ( I have copy ) was not credited as it was held as " UNAPPLIED FUNDS '' and not credited until XXXX XXXX, XXXX, 9 months after you received the funds of {$42000.00} per the Mortgage Account Statement dated XXXX XXXX, XXXX ( I have copy ). The Mortgage Account Statement also included additional charges for foreclosure costs, inspection costs and late charges that would not have been due if the unapplied funds had been applied to the account. Once the unapplied funds were applied on XXXX XXXX, XXXX the due date on the statement was XXXX XXXX, XXXX. This is incorrect as the payment and escrow was current by your records you faxed me and was on the XXXX XXXX statement. Per the enclosed print out and statement dated XXXX XXXX, XXXX there was {$27000.00} applied to the account from the original amount of {$42000.00} after the account was current. {$27000.00} applied as follows ; Principal {$8500.00}, Interest XXXX, Escrow XXXX. 

Also, on XXXX XXXX, XXXX less than two weeks after Ocwen received the wire for the {$42000.00} we request a payoff and received a payoff good until XXXX XXXX, XXXX ( I have copy ) in the amount of {$18000.00}. Wired funds were received by Ocwen in the amount of {$18.00}, XXXX on XXXX XXXX, XXXX before the XXXX XXXX, XXXX payoff expired. The {$18000.00} funds were held by Ocwen and returned that it was short of the payoff. XXXX my father contacted The Consumer Ombudsman, XXXX XXXX and received a payoff dated XXXX XXXX, XXXX to pay in full {$18000.00}. XXXX XXXX, XXXX Ocwen received the XXXX and final wire from XXXX XXXX in the amount of {$18000.00}. Again they sent the wire back after holding XXXX XXXX 's money for 90 days with the only explanation that it was not enough to pay loan off. 

I would like to believe that this was done in error as the mortgage was current on XXXX XXXX, XXXX payment to Ocwen in the amount of {$42000.00} and the additional payments paid in advance. The funds should have not been held in a separate unapplied funds account for over 9 months as the account accrued interest, foreclosure fees, late fees, inspection fees and attorney fees. 

This account was paid on XXXX XXXX, XXXX and if had been credit properly would not be in foreclosure at this time.
Product: Debt collection

Received a notice that I owed XXXX that was owed XXXX and today with XXXX XXXX XXXX 
I do not have any accounts with that company. 
I called on XX/XX/2023 to informed them that was not my debt. I was informed that the last four digits on SS number was not a match. So assumed it was either sent to the wrong person or someone is using my identity. 
I mailed a reply XX/XX/2023. 
Today I received another notice stating the same as the first one about an outstanding debt. I called again and was informed that XXXX XXXX XXXX  was still investigating.
Product: Vehicle loan or lease

I was refinancing my XXXX XXXX XXXX through ilending Direct and signed off on all my paperwork and they are a loan broker who works with various lenders to get approval! They got approval sent me all the paperwork, I reviewed and accepted the loan offer, this was approximately 3-4 weeks ago! They assured me at that time my current loan would be paid off so that I would not have to make a payment to the current lender, yet here we are almost as I said 3-4 weeks later and the new loan has not been funded and my payment is coming due with my current lender. I have contacted ilending several times about this and they keep advising that the lender is behind in funding loans, I have advised that my current loan payment is coming due and I need this loan funded as I was told so that I am not making the current payment and then have to make another payment in 2 weeks to the new lender! I spoke with them again today at XXXX XXXX XXXX  Thursday XX/XX/2022 and still do not have any answers! I am making this complaint because I have yet to be funded on the new loan and not getting satisfactory help from the lending broker who brokered the loan and really need this taken care of so not to mess up my current credit score because they are not handling this situation completely! Thank You!
Product: Credit reporting or other personal consumer reports

I believe compliance with FCRA 605B mandates the elimination of erroneous accounts from my credit report. Could you kindly verify the documentation? Several of the stated accounts exhibit inaccuracies in their reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies and accounts are in direct violation of 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 instructions XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

XXXX XXXX  XXXX line secured with account # XXXX opened on XX/XX/XXXX and a balance of {$220.00}. This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1000.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX This account was charged off and I no longer owe money to the creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$500.00}. The original creditor is XXXX XXXX XXXX  XXXX XXXX. This account was charged off and I no longer owe money to the creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1000.00}. The original creditor is XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I have noticed some unauthorized accounts on my credit reports I did not benefit from. I was a victim in the XXXX XXXX data breach, the XXXX data breach, a hospital breach, and the XXXX data breach. This is also hurting my chances at obtaining a mortgage. I need this fraudulent account removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

submitted a dispute XX/XX/2022. have not received a response from the company