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

Complaint Type : Credit Reporting Subject : Violation of IRS Regulations & FCRA Improper Charge-Off Reporting & Inaccurate Credit Reporting Details of the Complaint : I am filing this complaint against the following creditors for violating IRS regulations , the Fair Credit Reporting Act ( FCRA ), and consumer protection laws by improperly reporting charged-off accounts and alleged late payments on my credit report.

1. Improper Charge-Off Reporting According to IRS regulations ( IRS Form 1099-C, Cancellation of Debt ), when a creditor charges off an account and reports the cancellation of debt to the IRS, the amount is considered income for tax purposes. Once a debt is charged off and reported as a canceled debt, it can no longer be reported to the credit bureaus as an outstanding balance or active derogatory account.

Despite this legal requirement, the following creditors continue to report charged-off accounts on my credit report, which is an illegal practice and constitutes double jeopardy in financial reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 
XXXX XXXX. 
XXXX. Improper Alleged Late Payment Reporting Additionally, under FCRA 15 U.S.C. 1681a ( d ) ( 1 ), creditors are prohibited from reporting " transactions and experiences '' directly with the consumer to credit bureaus. These accounts should not be reported as alleged late payments in violation of consumer protection laws. Despite this, the following creditors have improperly reported alleged late payments on my credit report : XXXX XXXX NY & Co.

ADS Comenity Victorias Secret Laws Violated : IRS Regulations ( IRS Form 1099-C & Tax Code ) Once a debt is canceled and reported as income to the IRS, it can not be simultaneously reported as a collectible debt on credit reports.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681a ( d ) ( 1 ) Creditors can not report " transactions and experiences '' related to internal bookkeeping or charge-offs as active derogatory accounts.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) Prohibits the reporting of inaccurate or misleading information to credit bureaus.

Relief Sought : Immediate removal of the improperly reported charge-off accounts.

Immediate deletion of the alleged late payments.

A formal investigation into the ongoing violations and unfair reporting practices.

Compliance assurance from the creditors that they will follow IRS and FCRA laws regarding charge-offs and canceled debts.

I request the Consumer Financial Protection Bureau ( CFPB ) to take immediate action to enforce federal regulations and protect my rights. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX Cell : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX  account ( XXXX  account number XXXX )
Product: Checking or savings account

Well I usually keep about XXXX in my XXXX business accounts and maybe XXXX in personal account. I received alert asking if I was aware of a transaction from XXXX I hit no I dont. So my card was blocked and gave me a chance to look through charges that was on XXXX XXXX  Claim number-XXXX totaling {$670.00} well that was denied a couple hours later. Since it would only allow me to do XXXX Transactions at a time I have another claim same account ClaimXXXX for {$560.00} that was approved but couple days later they stated they will be taking the money back on the XXXX. 
We I looked up what XXXX was and its a betting gambling company which I dont gamble. 

So then I get another alert on XX/XX/ from my other account am I aware of transaction I said no. Well when I looked on that account it was XXXX charges so a course I had to call in to do the fraud claim totally {$6900.00} So the lady ask do I have my card I said yes. Did I let anyone use I said no. Did I ever do business with the company I said no I dont gamble. Was my card in my possession the whole time I said well I was in hospital XXXX days which I left my wallet home. I stated that my daughter had party when I was gone thats the only time I can think of that I didnt have with me. She said ok I filed claim and you should receive a credit with in XXXX days. 


Couple days later I said omg I need to check my other account I almost passed out Claim-XXXX XXXX charges total {$21000.00} all from the same site all starting from mid XXXX. I called again they ask same questions. I said I dont gamble period and I didnt authorize. I need my money. 

So I received a phone on XX/XX/XXXX saying to call Wells Fargo they have a couple questions and the reference number anyone can help. So I called XXXX times they act like they dont know what questions they have and just keep saying processing. I keep saying well why do you guys call and tell me to call and then I do and nothing. 

Today I received another call saying if they dont hear from me that will be making a decision with what they have. I called all day cant get through and when I do nothing they just see processing. 

Im very concerned they already denied the first claims the smallest ones for {$570.00} and {$670.00} so the will definitely be denying the XXXX big ones. I asked for information on why the small ones where denied they stated will be sent. That I made the charges which I didnt and dont know who stole my cards information.
Product: Credit reporting or other personal consumer reports

My son was to have a minor checking account with a parent. The Credit Union opened a regular checking account for the minor which allowed high dollar fraudulent transactions to take place. Upon disputing with the Credit Union, legal representation was necessary. The result was neither party was at fault/took responsibility. Because of that determination, nothing was to be reported. The Credit Union was paid in full and suffered no losses. The existing report should not have been made and I was only made aware of the existence today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I am once again ( 2nd time ) requesting that the following accounts be verified or deleted immediately. Please Provide Me Physical Verification of the  following accounts. 

XXXX XXXX  XXXX Account Number : XXXX XXXX/XXXX   XXXX Account Number : XXXX XXXX XXXX XXXX   XXXX Account Number : XXXX XXXX/XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

Attempted to open an account with Synchrony Bank to purchase a bed from XXXX XXXX beds at 0 % interest. After 45 minutes of confirming identity via video and photo uploads and various personal information ; the bank denied the ability to open the account based on XXXX  not having my correct information. This I know to be untrue. I just recently had my credit checked for a multi-million dollar loan. All went fine with that. Shocking that a {$2800.00} credit card was denied. So shocking that it seems to me there is malice afoot. 

Clearly, this bank either isn't well run OR is running a fraudulent operation to gain consumer data. Either way an investigation is needed. 

Please let me know what information you need from me to pursue this investigation. Happy to help. 

Thanks, XXXX
Product: Debt collection

Professional Account Management [ XXXX XXXX XXXX ] [ XXXX, NY XXXX ] Re : Validation of Debt PAM Notice Number : XXXX Toll Violation Number : XXXX Dear Sir/Madam, I am writing to formally dispute the debt collection notice I received from Professional Account Management, dated XX/XX/2023, regarding Toll Violation Number XXXX. This letter serves as my request for validation of the debt as outlined in the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

According to the notice I received, I am being claimed to owe {$74.00} for the aforementioned toll violation. However, I have not been provided with sufficient information to validate the legitimacy of this debt. I kindly request that you provide the following information : 1. Original Documentation : Please provide the original document that clearly shows the debt was assigned to Professional Account Management. This includes any agreement, contract, or assignment document that demonstrates the validity of the debt and your authority to collect it.

2. Proof of Ownership : Provide evidence that establishes your legal ownership or authorization to collect the debt in question.

3. Detailed Account Information : Furnish a breakdown of the alleged debt, including dates of the violation, the toll booth involved, and any associated charges or fees. I need a comprehensive account of how the total debt amount was calculated.

4. Account Validation Requirements : Please provide all necessary documentation to verify the accuracy and legitimacy of the debt, in accordance with the FDCPA requirements. 

Furthermore, I would like to bring to your attention that the notice I received indicated this as a " 2nd collection notice. '' However, I believe there is a mistake, as this is the first communication I have received regarding this alleged debt. It is important that any communication accurately reflects the status of this matter. 

Until I receive the requested documentation and the debt has been appropriately validated, I am exercising my rights under the FDCPA to request that all collection efforts cease. This includes but is not limited to phone calls, letters, and any reporting to credit bureaus. 

I look forward to receiving the necessary information to validate this debt and confirm its accuracy. Please ensure that all correspondence related to this matter is sent to my address as provided above. If you are unable to provide the requested documentation, I kindly request that you cease all collection efforts and consider this matter resolved. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX
Product: Credit card

I had a credit card with this company, and fell behind on payments. 
Since, this company has charged the card off but has continued to report the negative reports on my credit. 
I have since made the full balance, and I owe XXXX to this company. The company refuses to give me a pay off statement, updated balance of XXXX, they continuously report my account late / charged off every month which is not true. 
I have tried to dispute this item on reports and they are continuously saying it is not paid / satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX / XXXX  I disputed an item on my  XXXX  report with  XXXX   XXXX . On  XXXX   XXXX ,  XXXX , I received a response from  XXXX   XXXX  which did not include verification of my signature. They failed to validate the debt.  XXXX   XXXX  did not notify  XXXX  that I disputed the information as per FDCRA. I sent another letter on  XXXX / XXXX / XXXX . I did not receive a response from  XXXX   XXXX  at all. On  XXXX   XXXX ,  XXXX , I sent a dispute letter to  XXXX .  XXXX  did not verify the debt with my signature as required by law. In addition, information was added to my report from  XXXX   XXXX  through  XXXX   XXXX  that is inaccurate. On  XXXX / XXXX / XXXX , I sent a second letter disputing the incorrect information.  XXXX  responded back that they would not reinvestigate as required by law. The information being reported on my credit report by   XXXX    is inaccurate and must be deleted. I have been denied credit as a result of these inaccuracies.
Product: Credit card or prepaid card

Synchrony Bank Closed my QVC card due to me missing 2 payments. I understand that that is their policy however during this time of the pandemic I am able to make my payments and on time. I SWITCHED BANKS from XXXX XXXX XXXX XXXX to XXXX  XXXX XXXX and missed the second payment ( {$40.00} ) although I did make my payment they refused to work with me and will not RE-OPEN or " REHAB '' my account. I still have my QVC card set up on automatic bill pay because I don't want a " charge off '' however, considering that the whole country is in a perilous time they could consider re-opening the account for a customer who is 'ACTUALLY '' paying their bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

It should be known that Midland Credit Management is violating the F.C.R.A., The basic standards of XXXX XXXX, and due process of federal law. They are reporting incorrect information to XXXX regarding a collection account. They are also intentionally failing to report information that is causing the report to be incomplete to XXXX. Finally, they are misabusing the basic standards of the XXXX XXXX reporting requirements to XXXX. A dispute was filed with XXXX and denied on grounds that said account was mine, which was never a ground disputed on or for. It also should be known that XXXX has never been in contact with me either. The said discrepancies and errors are as follows on my XXXX report under account # XXXX - XXXX : Said account is reporting or being hidden in other accounts section as a open account. This is a account that was closed by original creditor and sold to Midland Credit Management. Midland can not extend credit to anyone and can not have a open credit type with anyone and should not be reporting any type of accounts except 'Collections '. No collection account should have a type as open especially when I have no signed agreements with them and since they are not the original creditor. Under account status shows open and this is incorrect and wrong. 2 : Date of last activity is intentionally missing from report. 3 : Date closed is intentionally missing from report. 4 : Account type is missing making report incomplete. 5 : On report under dispute status, report says account not disputed. Contrary, on same report under creditors remarks, it says account is disputed! Both Dispute status and Creditor remarks differ so both can't be correct. 6 : Under months reviewed or terms it says 13 months. This is incorrect and a violation because no terms or review status should be showing since Midland is not a creditor and since I have no terms or agreements with Midland. 7 : Once original creditor closed account, balance should report as 0. Midland still reports balance as XXXX. Midland is prohibited from reporting this balance because they are not the original creditor and since I have no signed agreements with them. These XXXX errors constitutes deletion.A copy of my smart credit 3 bureau report is included for review to see violations and a civil suit is next.
Product: Credit card or prepaid card

On XX/XX/2022 I purchased a XXXX XXXX XXXX Ultra cellphone that was on Amazon.com ( order number : XXXX ) in the amount of {$1300.00} using my Amazon XXXX store credit card issued by Synchrony Bank XXXX 

On XX/XX/2022, I returned the cellphone to an authorized Amazon XXXX locker and I was given a unique pin code to access the locker. 

After a week or two I noticed that my credits card wasn't refunded. I called the customer support phone number, and I was told that since it is a larger amount it may take up to 30 days for the item to reach the seller and once the item is received my refund will be process. 

I waited for another few weeks and then on XX/XX/2022 I called to check on my refund, and I was told the item was never received and I would be responsible for the charges. 

I then called the phone number on the back of my credit card to dispute the charges. On XX/XX/2022 I faxed a copy of my dispute letter, along with all the supporting documents and the original invoice to Synchrony Bank ( Fax number : XXXX ). 

To my dismay, on XX/XX/2022 I received an e-documents from the credit card company stating that the merchandise has not been returned according to the seller.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists of, charter communicationsXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal XXXX XXXX XXXX XXXX XXXX as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 
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 IC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may m
ake 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 years. 
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: Debt collection

DIVERSIFIED CONSULTANTS has been harassing me for years over my XXXX phone bill from XX/XX/XXXX. Granted the collection is past due and is a little over a thousand dollars in total. Now the reason I refuse to pay the debt is because I was XXXX XXXX   almost the whole year of XX/XX/XXXX. During that year my phone through XXXX was broken and my service I'm assuming ended. Ive told this company to stop harassing me with phone calls and " attmepts to collect a debt ''. All its doing is traumatizing me and negatively affecting my credit! I want this collection removed and I want to be left alone
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX, part of XXXX XXXX XXXX, on XXXX XXXX XXXX. I explained that I was in the process of moving from the XXXX area to XXXX XXXX. The salesman, XXXX XXXX, told us that would not be a problem. I took possession of the car, paid the XXXX  sales tax and was promised the dealer 's finance and title department representatives, XXXX XXXX and XXXX XXXX, would process the paperwork. It 's now been three months since the sale. I initially borrowed {$10000.00} which was paid off in full through their financing branch a month after the purchase. ( see attachment ). I 've paid all the applicable XXXX taxes and sent copies of the paid tax receipts to the individuals above. I 'm a XXXX XXXX resident and have sent a copy of my driver 's license for that state to XXXX along with all the other paper work they 've requested. Despite these efforts, I do not have a valid registration for the car nor do I have a title despite the car being paid off in full. The State of XXXX still has no record of my XXXX being registered. I can not register the car and I do not have a title despite paying off the loan if full. The car is not legal to drive since XXXX will not provide temporary tags beyond 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion has applied a fraudulent account to my credit report from XX/XX/XXXX. I have NEVER had an account with XX/XX/XXXX. I contacted the bank myself to check to see if there are any accounts in my name and they have confirmed that they have never had an account opened in my name yet the credit bureau is reporting that I had some sort of secure card with a bank that I have no banked with in no way at all. they are also reporting that i lived at XXXX XX/XX/XXXX. XXXX XX/XX/XXXX in XXXX. I have not lived at XXXX XXXX XX/XX/XXXX at any time in XXXX. I moved from that address in XXXX. They have reported the address twice on my credit reportXXXX is not correct. I lived at XXXX XX/XX/XXXX in XXXX. I can't live at two addresses at one time.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$170000.00} XXXX XXXX Balance XXXX {$4400.00} XXXX XXXX Balance : {$6.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$10000.00}