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

I am filing this formal complaint against TransUnion and XXXX XXXX XXXX XXXX ( XXXX ) for violating federal laws concerning the inaccurate reporting of a charged-off account and failure to issue a 1099-C Cancellation of Debt form. The account was sold to a debt collection agency, yet XXXX continues to report it inaccurately, harming my credit profile. 

Additionally, I have attached a letter from the debt collection agency. 


Violations Committed : 1. Failure to Issue a 1099-C Violation of 26 U.S.C. 6050P According to 26 U.S.C. 6050P, creditors who cancel or discharge debts of {$600.00} or more are required to issue a 1099-C form. XXXX has failed to provide this form, suggesting that the debt has not been legally forgiven while simultaneously reporting it as a charge-off. 


2. Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681 et seq.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Creditors must report accurate information. The continued reporting of a charged-off account, despite its sale to a third-party collector, is false and misleading.

15 U.S.C. 1681s-2 ( b ) : Upon dispute, credit bureaus must investigate and correct inaccurate data. TransUnion has failed to do so.

15 U.S.C. 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy. The current reporting of the account as a charge-off without reflecting the sale to a third-party collector is a violation of this obligation.

3. Fair Debt Collection Practices Act ( FDCPA ) Violations 15 U.S.C. 1692 et seq.

15 U.S.C. 1692e ( 8 ) : Creditors and collectors must not report false or misleading information. XXXX and the debt collector can not both claim ownership of the same debt in different ways, which creates confusion and misinformation. 


Requested Action : 1. Immediate removal of the XXXX charge-off from my credit report. 

2. Verification of a 1099-C filingif none exists, the charge-off should not be legally reported.

3. Correction of all reporting inaccuracies regarding the ownership and balance of the account.

4. Investigation and enforcement action against XXXX and TransUnion for violations of FCRA, FDCPA, and IRS reporting laws. 


Legal Consequences for Noncompliance : Failure to address these violations within 15 days will result in a lawsuit against TransUnion and XXXX for willful noncompliance under 15 U.S.C. 1681n, which allows for statutory and punitive damages. I will also escalate this matter by filing complaints with the Federal Trade Commission ( FTC ) and my state Attorney Generals office.

Please provide a written response detailing the actions taken to resolve this matter. Thank you for your prompt attention.
Product: Student loan

On XX/XX/XXXX, my federal loans were transferred from XXXX XXXX to MOHELA. 

The letter from MOHELA related to this transfer was just sent to me yesterday ( XX/XX/XXXX ). 

At the time my loans were transferred, there was a pending XXXX XXXX XXXX XXXX XXXX XXXX ) form that I submitted, demonstrating that I completed by 120-month payments to my federal loans. 

When asking MOHELA for an update on XX/XX/XXXX, they provided me with a generate message, informing me of the XXXX program. I replied stating that this generate message was unacceptable. They also informed me that processing of the XXXX form would take 90 days. 

MOHELA replied again on XX/XX/XXXX, stating that my " employment has been certified through XX/XX/XXXX. Our next step will be to verify qualifying payments and apply the new rules according to the XXXX XXXX XXXX. '' It's been over 4 months, 26 days since my loans from XXXX XXXX were transferred to MOHELA, and I have not received a sufficient update from them regarding the processing of my XXXX form/student loan forgiveness. While I understand that the transfer of loans creates new administrative hurdles, MOHELA 's customer service capabilities are far limited to that of XXXX XXXX as far as getting updates regarding processing.
Product: Credit reporting or other personal consumer reports

I urge you to carefully review this complaint, as it was sent with genuine concern. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that are not mine. This is deeply troubling and has caused me significant XXXX XXXX XXXX, knowing my personal information is being misrepresented.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number : XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged account : XXXX ( XXXX XXXX ) is being reported as an OPEN account by Transunion XXXX but being reported as a COLLECTION according to XXXX. A balance and past due balance of {$190.00} is being reported along with it being reported as a COLLECTION. The last day active is being reported as XX/XX/21 for TransUnion, and XX/XX/21 for XXXX which means this debt has not been validated. This debt has also been bought by a XXXX party debt buyer without my permission. This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. 
According to the Fair Credit Reporting Act, I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with ALL XXXX reporting standards and this account removed upon completion. 

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

Ive requested a 1099c form from XXXX XXXX XXXX XXXX XXXX so I can file the debt on my taxes they failed to provide me with a form so I asked did they file they wouldnt give me an answer and they are updating this balance as an open account in all 3 of the credit agencies XXXX XXXX  and experian
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection/Charge Off XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$4500.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$9700.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XXXX XXXX {$4500.00} Late Payment XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$20000.00} Inquiries XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Balance : {$880.00}, XXXX XXXX Balance : {$880.00}, XXXX XX/XX/2023
Product: Debt collection

I checked my credit report on XX/XX/year> and discovered a collection account that doesn't belong to me. 
The errors are as follows : Forest Recovery Services, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never had a contract, account nor conducted any business with Forest Recovery Services or listed Original Creditor XXXX XXXX XXXX XXXX This account is fraudulent.
Product: Debt collection

On XXXX/XXXX/2015 at XXXX CST I received a voice mail from RMR. In regards to my Husbands ex wife. I informed them I have nothing to do with her. They stated that she provided my number. told them she does not have my number and this is a cell phone to never call it again. I instructed this is a cell phone and not to call it again. On XXXX/XXXX/2015 at XXXX CST I received a call and voice mail form another number regarding the same company and same matter. I called the number back spoke to a very rude rep who stated that i had to wait XXXX hours for my number to be removed. Was told the computer called me advised them since they were informed this was a cell phone with no authority to leave message or call they have violated the TCPA. i spoke with a XXXX XXXX who was very rude. I am being harassed over a debt that is not mine and i have nothing to do with.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the following accounts from my file. 
XXXX / XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I live with someone else. This is the second time Since XX/XX/2018 my account information has been co-mingled with our living partners. I have requested twice a validation of Debt in writing with no written or electronic response. Under the law [ FCRA/FDCPA ], this alone proves the debt is NOT MINE. This greedy " corporate '' entity is still trying to take advantage of people during COVID-19 an collect money from sick people who have little health coverage during the pandemic. The account they have been trying to collect from, is from a bank I have been a member of a credit union since before then. Very uncooperative when trying to call on the phone and explain their mix up, I don't have time for this as they reduced hours at work since the start of the Corona virus outbreak. It is such a RipOff the have XXXX XXXX have complete access to all the consumers credit reports and then try to force them to pay for debts that at not even theirs. They say I owe {$100.00}, I say I owe {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I have disputed a bankruptcy that XXXX XXXX is reporting that they verified first hand from the XXXX District Court. I have attached documentation from the XXXX Court that they Do not report to any third party agencies. I have also disputed the bankruptcy information that XXXX, Equifax and XXXX is reporting as the information was verified by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these accounts and I have asked for debt validation and have not been mailed any document to validate the debt or any document to prove I did any business with these companys
Product: Debt collection

THE FCRA DEFINES IDENTITY THEFT AS FRAUD COMMITTED USING IDENTIFYING INFORMATION OF ANOTHER PERSON. INFORMATION OF ANOTHER PERSON WHEN THE ALLEGED ORIGINAL CREDITOR SOLD MY INFORMATION WITHOUT MY EXPRESSED APPROVAL OR KNOWLEDGE THAT'S " A FRAUD '' WHICH MAKES THE WHOLE THING IDENTITY THEFT.

ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ACCOUNT # XXXX SOLD TO : XXXX XXXX XXXX XXXX XXXX {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been sick with XXXX  for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy 15usc i1681i XXXX/Sunbit XXXX/Sunbit ( Installment ) Accounts - negative accounts - Summary XXXX XXXX XXXX Last XXXX XXXX, 2022 Payment Status Charged off as bad debt Worst Delinquency None Reported Balance {$1300.00} Credit Limit XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX 2022 Open Date XXXX, 2022 Last Activity XXXX, 2022 Terms Scheduled Payment High Balance {$1500.00} Loan Type Unknown Responsibility Individual Account Company Name XXXX/Sunbit Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX XXXX  XXXX ) XXXX Comments Unpaid balance charged off XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a writw off when it is a repo The company repo the car while I was on XXXX XXXX which is against federal law Experian is also showing I XXXX from this company which are fraud I never did or gave permission Experian is letting helping company report frauds on my report XXXX is the company with a repo car account they are reporting as an writw off I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : XXXX. EFFECT OF ERRORS OR OMISSIONS. 
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I want all proof from experian and the court order to reposes a auto while a soldier is on XXXX XXXX order which carries 60 days from return
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX The Bankruptcy Court in XXXX, New Jersey granted my request to dismissed my chapter XXXX bankruptcy case. On XX/XX/XXXX the dismissal was filed with the court. 
Since then, the three credit bureaus ( XXXX, Equi-fax, XXXX XXXX ) has continue to keep this record on my credit report. This has been causing me and my family prejudice and damages over the years. 
The filing was voluntarily withdrawn by myself and dismissed by the court. Therefore, it was never a bankruptcy and should not be adversely affecting my credit report. This item should not be allowed to cause me and my family prejudicial damage. This is in violation of the Fair Credit Reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2022, my XXXX checking account was fraud due to XXXX lack of management. I had to freeze this checking account and open another one. It took my a lot of efforts to update all my other automatic payments to this new checking account. Somehow my XXXX credit card automatic payment was not updated with the new checking account. 

XXXX did not contact me or call me regarding this issue. They closed my credit card which I had with them for 20 years, by over due {$13.00}. I think this is not a proper way of treating a loyal client who is with you over 20 years. I will appreciate someone contact to alert me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit because Im in the market to buy a house and I noticed all these inquiries that I didn't authorize. Please have all companies listed below show me my signature on any application or some sort of proof that I applied for anything or remove their inquiry 1 ) XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXXXXXX 5.all XXXX inquiries 6. XXXX XXXX XXXX 7.XXXX XXXX 8. XXXX XXXX   XXXX XXXX 9. XXXX XXXX  XXXX 10.XXXX 11. XXXX XXXX XXXX XXXX 12 XXXX XXXX XXXX  13. XXXX XXXX 14. XXXX XXXX 15.XXXX 16. XXXX XXXX XXXX   17XXXX XXXXXXXX 18. XXXX XXXX XXXX 19. XXXX XXXX XXXX XXXX 20.XXXX XXXXXXXX 21. XXXX XXXX XXXXXXXX 22 XXXX XXXX  23. all XXXX XXXX inquiries 24. XXXX 25. XXXX XXXX 26. XXXX 27. XXXX XXXX XXXX 28. XXXX XXXX 29. XXXX XXXX 30.XXXX XXXX XXXX XXXX 31. XXXX  XXXX 32. XXXX XXXX 33. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove/block he listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX Balance : {$430.00} XXXX  XXXX Balance : {$0.00} XXXX  Inquired on XX/XX/XXXX 2021
Product: Credit reporting or other personal consumer reports

I have tried for many years to dispute this item of my credit with XXXX. They have failed to look at the facts and request a copy of the original contract. I have also tried disputing this item with CFPB as well. I now have supporting documentation to show the dates and information provided to the credit bureaus are fraudulently being reported.
Product: Debt collection

I am disputing the debt as reported by PORTFOLIO RECOVERY for {$2700.00} from XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. 

Documents of proof have never been provided to me and the reason is, they do not exist.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX Balance : {$2100.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3700.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION CFPB THIS IS NOT A DUPLICATE REPORT THIS COMPANY AGAIN HAS VIOLATED MY RIGHTS! 

In accordance with the fair credit act, this creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it also states consumer reporting agency can not furnish an account without my written instructions. Under15 usc 1666 b a creditor a creditor may not treat a payment on a credit card account under an open consumer account as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and filed fraud alerts + disputed the items in the negative on my Credit Bureau Reports. I was fortunate to get a supervisor who provided me with a phone # to get the erroneous Navient & any school loans that are NOT me off as I paid my school loans off in full @ $ XXXX ... YAY!!! Now, years later, most recently I was told ( via phone conversation ) that its up to the XXXX & XXXX for the {$68000.00} as to whether THEY will REMOVE!? They are NOT my school loans!!! I did co-sign approximately 8-9 years ago but in the amount of {$2000.00} in my daughters senior year & she told me that XXXX University XXXX XXXX where she is employed ) was taking the money directly out of her pay!!! I received NO correspondence for entire time & believed my daughter!!! I didnt get anything until 3-6 months ago -approximately ) informing me that I owe {$68000.00} for co-signing??? I learned to never lay out, co-sign, etc ... unless you can afford to pay!!! 1st of all, my daughtr was in her final semester after the co-sign aforementioned, 2nd id Never co-sign for that amount out of nowhere COMPOUNDED BY THE fact THAT IT WAS NOT DONE BY ME never/not CO-SIGNED as stated above & via several phone conversations in recent months! My daughter would NOT have needed a CO-SIGNER as ( like I stated ... she only needed a co-signer ONE ( 1 ) time!!! It WAS PAID!!! 
( As far as I knew ... especially by the sheer fact that I received NOTHING/no correspondence in any form by any company to the contrary!!! ).