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

I am writing to formally file a complaint against Discover Bank regarding their reporting of a charged-off account on my credit report. Despite their reporting of this account as charged off, I have never received a Form 1099-C from the IRS to indicate that the debt has been canceled or forgiven.

When I contacted Discover for clarification, they confirmed that they have not filed a Form 1099-C with the IRS. This raises serious concerns about the accuracy and legitimacy of their reporting to the credit bureaus. I am questioning how Discover can classify an account as charged off while simultaneously not fulfilling their obligations to report this debt cancellation to the IRS. 

Under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate information to credit reporting agencies. Additionally, the Fair Debt Collection Practices Act ( FDCPA ) prohibits misleading or deceptive practices in the collection or reporting of debts. Reporting an account as charged off without providing the requisite tax documentation creates inconsistencies that can harm consumers like me. 

The consequences of this inaccurate reporting have negatively impacted my creditworthiness, and I believe Discover Bank has violated the following laws : Fair Credit Reporting Act ( FCRA ) By reporting inaccurate and inconsistent information to credit bureaus, Discover Bank has failed to ensure the accuracy and completeness of the data furnished under 15 U.S.C. 1681s-2 ( a ). 
Fair Debt Collection Practices Act ( FDCPA ) If Discover is attempting to collect this debt or reporting it in a misleading manner, they may have violated the FDCPA 's prohibition on false, deceptive, or misleading representations ( 15 U.S.C. 1692e ).

Internal Revenue Code ( IRC ) If Discover is required to issue a Form 1099-C but failed to do so, they may also be in violation of IRS regulations . 
Due to their actions, I will be seeking statutory damages for harm caused by this inaccurate reporting, as allowed under FCRA. Additionally, I request that the CFPB investigate Discover Bank 's reporting practices to ensure compliance with federal laws and regulations. 

I am requesting that Discover Bank : Provide a clear explanation for the charged-off status without a corresponding Form 1099-C.

Correct or remove any inaccurate information from my credit report.

Cease any further reporting of this account as charged off unless they comply with applicable IRS and credit reporting requirements.
Product: Credit reporting or other personal consumer reports

First I contacted Satander consumer USA about false information that was giving to me when purchasing my car and how they fraudulently got over on me with my contract with them financing the car and how they have falsely reported different information to all XXXX credit bureaus XXXX, XXXX, and XXXX how they are violating the law and a numerous of ways by always providing them all the code laws they were violating at this point all they did was put my car as a charge off on my credit report with a remaining balance when is still false information cause I shouldn't and don't owe anything however after sending them complaint letters demand letters and an affidavit they told me they will respond but however they never sent me back a response letter in the time frame of which the law gives 30 days. Secondly I goes to XXXX, XXXX, and XXXX and submitted a claim through them as well they obviously didn't go through an investigation as they should have they would have seen what I stated what factual and they know its law to correct and delete any report that is not accurate letting them know they violated a numerous of laws pertaining to my credit report nothing was done the credit bureaus violated multiple laws 15 USC1681i,15USC 1681s-2 , 15USC1681i ( 5 ) 15Usc 1681e ( b ) if documents are needed I can fax documents over just please send me an email with the fax number or another way I can send documents over
Product: Checking or savings account

I get direct deposit from my job the XXXX and the XXXX. Capital One is not answering the phone, they are withholding my funds, I have to pay my bills and need to eat. I have a XXXX XXXX XXXX. This is not right. Please help.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Reporting of Late Payments and Permissible Purpose Dear [ XXXX XXXX XXXX ], I am writing to formally dispute certain entries on my credit report that indicate late payments. Specifically, I question whether the entity reporting these late payments had a permissible purpose under the Fair Credit Reporting Act ( FCRA ), as codified in 15 U.S.C. 1681 ( b ), to access and report this information.

Under FCRA 15 U.S.C. 1681 ( b ), a consumer reporting agency may furnish a consumer report only under specific circumstances that constitute a permissible purpose. These purposes include, but are not limited to, transactions initiated by the consumer, employment considerations, or other legitimate needs as defined by law. If the entity reporting these late payments accessed or shared my information outside these parameters, they may have violated federal law.

The late payments in question are associated with the following account ( s ) : Creditor Name : XXXX XXXX XXXX XXXX XXXX  Date ( s ) of Late Payment ( s ) : XX/XX/XXXX - XXXX XXXX I request that you investigate this matter promptly. Please verify whether the reporting entity had a permissible purpose to access and furnish this information and provide me with documentation supporting their compliance with the FCRA. If the reporting can not be verified or is found to lack a permissible purpose, I demand that these entries be deleted from my credit report immediately.

Furthermore, I request that you notify me of the results of your investigation, as well as any changes made to my credit report, within the time frame prescribed by law.

For your reference, I have attached a copy of my credit report highlighting the disputed entries, along with copies of relevant supporting documentation, including proof of identity.

Thank you for your prompt attention to this matter. 

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

To whom it may concern, I do NOT accept the fact that I am continually given the run around regarding my credit report! I have verified my identity several times regarding this matter ; I have called and emailed every company that I was advised to do but nothing has been done. I have not authorized Equifax Mortgage Services to run my credit! Equifax mortgage services has distributed my report with out my knowledge & consent on these dates! XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I did not give this permission! I do not accept the previous response sent by the company on XX/XX/XXXX! I want these inquiries off!
Product: Mortgage

My Morgage company Ocwen is preventing me from being eligible for A Harp.They 're reporting an error code characteristic to XXXX which is making the loan be ineligible.
Product: Credit card or prepaid card

I took out a secured card at Navy Federal Credit Union ending in XXXX depositing {$200.00} to use against. The card was completely paid off and account closed on XX/XX/2022. They refuse to give me the original {$200.00} I deposited to create the card and just give poorly explained excuse after excuse as to why they can't return my rightful money -- or even use my paid off card which is still displayed as active in my banking dashboard despite being closed. They agree the card was completely paid off including all interest and still refuse to release my money or even close the account/remove it from my banking dashboard -- which should have been taken care of the day the entire amount was paid and account closed. I am surprised and disgusted by this banks actions ; literally taking $ XXXX off my back with no discernible reason as to why they can't return my money. This is malicious in nature and the only people I can get on the phone to solve this are malcontents that insist no solution exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, TransUnion is reporting " XXXX XXXX '', which was deleted and reappeared without notice. I filed a complaint on here and they responded that it was put back on in error and they would delete. It is still showing on my credit report and needs deleted immediately and NEVER placed back on.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the accounts and inquiries listed below be blocked and deleted from my credit file. I am a victim of a data breach, and these entries were made fraudulently without my knowledge or authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have such items promptly removed from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

It was a fraud transaction of XXXX  use on my debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sir/Maa 'm, I am currently a in the XXXX XXXX XXXX XXXX that was called to XXXX XXXX in support of our war on terror. I began my tourXX/XX/XXXX and was released on XX/XX/XXXX. I have always in the past had my credit cards set up on the Auto pay system so that I never miss a payment. Unfortunately for an unknown reason, my Chase Slate CC fell off of the Autopay system without my approval. During my XXXX I was notified by my creditors of my enrollment into Service members Civil Relief Act. As a service member most of my benefits began XXXX months before I XXXX and continued for XXXX months after I returned. Unfortunately this does n't apply to the Credit Card companies. During my XXXX I still made some payments on my account without realizing that the Autopay system was disengaged. Last month I finally realized the error and immediately made a payment and once again set up the Autopay system. I am currently pursuing a refinance of our home and was informed that my credit score had significantly dropped due to Chase reporting a 30-day late to the credit bureau. I have always had really great credit and have been with Chase since XX/XX/XXXX. I did call and talk with a credit specialist at Chase and was informed there was nothing that they could do and they would not remove the mark on my record. I did explain my concern and asked if they would apply a 'Goodwill Adjustment '. The representative said again there was nothing they could do for me. After this error occurred I immediately reviewed all my accounts to confirm everything was setup correctly. I hope I have explained this accurately and there might be a way I can have this 30-day late remark removed off my record. Thank you for your time and looking into this matter for me. 

Sincerely, Me
Product: Debt collection

I am writing this complaint because upon review of all XXXX of my consumer reports with all XXXX major CRAs, I noticed a debt collection company by the name of Credit Collection Services who posted XXXX of their tradelines on my credit reports in connection to XXXX alleged debts. I refused to pay the alleged debt with this collection agency months ago because they failed to properly validate the alleged debts. The company still attempted to communicate with me even after the cease and desist I demanded of the company per the FDCPA XXXX ( c ). They are in violation of the Fair Debt Collection Practices Act. They are reporting their alleged tradeline to my consumer reports which is also considered an attempt to collect and considered an indirect medium of communication after they were to cease and after they received a refusal to pay. Initially I did not receive enough information regarding the alleged debts nor were they able to provide any legal proof such as my signature, bill of sale, chain of assignment, or license to collect in my state. I have no legal obligation to this corporate entity. They have also been misreporting to my consumer reports and ruining my credit reputation due to the inaccurate credit reporting.
Product: Debt collection

I've been FIGHTING a debt for XXXX XXXX since XXXX. They falsely accused me of leaving my apt A MESS and not returning the keys. I did neither. I don't know how to FIGHT this debt. It's exhausting. So I decided to try with the debt collector ( XXXX ) who bought this bad debt. They won't budge/ won't settle/ are abusive to me on the phone, etc. Again ... it's exhausting. So I paid {$500.00} out of the XXXX they say I owe. I never got a receipt and I never got confirmation that my debt was reduced to approx {$700.00} after that payment. HENCE ... .I 'm being SCAMMED! I'm so sick and tired of this debt being on my credit report! 

THEN ... .along comes ANOTHER Credit Company trying to collect on the same debt. I'm like ... '' WTH! Who are these people ''? I called them and they claim they've had this debt since day one. I told them I've NEVER HEARD OF THEM BEFORE IN MY LIFE and I'm working with XXXX. They claim I'm paying the wrong people and they own the loan. NOW I'm XXXX! ( sorry ) I'm NOT giving another dime to either collection company! SEE BELOW! I want this debt erased from my credit report immediately. THIS IS WRONG! I'm trying to buy a house. ENOUGH IS ENOUGH Date Reported : XX/XX/XXXX Collection Agency NATIONAL CREDIT SYSTEMS INC Original Creditor Name XXXX  XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1100.00} Amount {$1100.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # 30 Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES AFTER RESOLUTION Contact NATIONAL CREDIT SYSTEMS INC XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX  XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1100.00} Amount {$1100.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXXXXXX XXXX XXXX XXXX has violated my rights. 

DEPT OF EDXXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  has violated my rights XXXX XXXX XXXX XXXX  IN XXXX XXXX  XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX has violated my rights DPT EDXXXX XXXX has violated my rights XXXX XXXX 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting ACT the listed accounts has violated my rights. 
XXXX XXXX XXXX XXXXXXXX account number : XXXX XXXX XXXX XXXX  XXXX XXXX number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX  account number : XXXX 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. states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I had a few collections on my credit report and after I looked into them, to find out what they were about, (  XXXX   XXXX  ) I found out the address they had was an address I was at for a very short period of time. I never knew I owed money and after calling the original creditor (   XXXX   XXXX   ) I found out they indeed did not have my correct address and she also mentioned they had the wrong number for me at the time. I was told they would remove the collection from my credit report if I paid the collection agency ( Around  XXXX   XXXX  ). I called the collection agency  ( Transworld Systems ) and told then  what I was told by  XXXX    XXXX   billing dept and they sad " sure if they (   XXXX   ) agreed to remove it we can ''. On  XXXX   XXXX  I paid Transworld for both of the collections  ( One  for {$70.00} and the other for {$230.00 } ).  I, after this filed a dispute with the credit bureaus because the collections show as paid but not removed. I received the dispute results from   XXXX   the collection company is still not removing it. They show it was paid but did not remove it even though I was told it would be removed since the address was wrong.
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. Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) TRANSUNION CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THIS UNKNOWN ACCOUNT. 

XXXX XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/2017 Balance {$990.00}
Product: Credit card

On XXXX XXXX Ive ordered Macys gift cards XXXX XXXXXXXX {$190.00} XXXX XXXX, {$100.00} physical gift card. On XX/XX/XXXX Ive received e-gift card. Per Macys  delivery XXXX XXXX ( I dont remember exact date ) Ive received physical gift card. Ive contacted to Macys  and I let them know I havent received gift card, I requested cancel funds from this card. Ive contacted multiple times, on XX/XX/XXXX and I was assured funds from both cards will be transferred funds from gift cards to my Macys credit card, I was told it will take XXXX business XXXX. XXXX Ive contacted again, I was told wait a XXXX  more XXXX. 
On XXXX XXXX Ive contacted supervisor, XXXX XXXX, Ive explained my situation, I was told XX/XX/XXXX request did not process. He told me he put manual request and he sent me email. On XX/XX/XXXX Ive contacted supervisor XXXX XXXX, I informed him XXXX going to file complaint about Macys, he asked me wait until next weekend, and as accommodation issued {$30.00} Macys  XXXX XXXX. On XX/XX/XXXX Ive contacted to XXXX XXXX, she told me wait until XX/XX/XXXX. On XX/XX/XXXX Ive contacted to XXXX XXXX he told me my request declined. I did not receive physical gift card, I did not redeemed e-gift card. After XXXX XXXX struggle I lost my {$290.00} ( {$100.00} physical card, {$190.00} e-gift card ).
Product: Checking or savings account

I went to withdraw {$22000.00} from my bank account with Bank of America and even asked for a wire transfer or cashier check and was denied access. Instead, they froze my account without an apparent reason. They stated that '' needed to verify where the money came from '' even when I show them the evidence ( Bank statements and Deposit Slips ). By my account been frozen has cause me many issues since the closing of my house has been delayed jeopardizing the transaction and/ or at risk of been penalized. Also, I am receiving late fees from the automatic payments set up previously. I don't understand why the bank didn't reach out to me since the money has been in the bank for several weeks now. This action is very arbitrary and has no apparent reason to me that discrimination since I belong to a XXXX XXXX " XXXX ''. The customer service is really bad and all they said is I am sorry but don't even try to solve the issue. I believe as a customer I deserve a better service since the bank have been working with my money lending it to other people and making a gain on interest. This is my well earned money and need to have access to it whenever I need to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax : I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX The status date on this account is incorrect, please remove it. The date opened doesnt match the date opened on XXXX and XXXX. therefore I would like this account to be removed and cleared from my credit report. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX * XXXX has already deleted the account due to the dates not matching.