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

The IRS generally considers canceled debt of {$600.00} or more as taxable, and settling debts for less than what's owed can increase your tax liability depending on your tax bracket and the canceled amount. UNDER IRS PUBLICATION 4681 Being that the following accounts were all charged off and over {$600.00} which is taxable income and reported to the irs as taxable income please remove the following accounts immediately from my credit report for illegally reporting income on my credit report. Income is not allowed to be reported to a credit report or suppose to be a factor within a credit report. 
IF EVERY DEBT IS CONSIDERED INCOME BECAUSE ITS CONSIDERED A SECURITY INCOME CANT BE REPORTED ON MY CREDIT REPORT NOR IS IT SUPPOSE TO BE! WHEN A CHARGE OFF IS FILED THE FOLLOWING COMPANIES FILED A 1099-C A CHARGE OFF IS CONSIDERED A SECURITY, WHICH MEANS IT IS CONSIDERED INCOME! ALL DISCHARGED DEBT ACCORDING TO IRS PUBLICATION 4681, ALL CHARGE OFFS OVER {$600.00} DUE TO THE IRS ARE CONSIDERED INCOME! INCOME IS NOT ALLOWED TO BE REPORTED TO MY CREDIT REPORT! 


Please immediately delete the following accounts immediately from my credit report! 

XXXX XXXX  CHARGE OFF {$880.00}, XXXX XXXX XXXX XXXX XXXX XXXX  CHARGE OFF {$1100.00}, XX/XX/XXXX XXXX XXXX XXXX CHARGE OFF {$620.00}, XXXX XXXX XXXX XXXX  CHARGE OFF {$740.00}, XXXX XXXX XXXX XXXX XXXX XXXX CHARGE OFF {$29000.00} XX/XX/XXXX When a Creditors writes off a debts after a set amount of timefor example, one, two, or three years after you default. The creditor stops its collection efforts, declares the debt uncollectible, and reports it to the IRS as lost income to reduce its tax burden. The same is true when you negotiate a debt reduction. The creditor will report the amount you didn't pay to the IRS. 
Of course, the IRS still wants to collect tax on this money, and it will turn to you for payment. Because you no longer have to pay the full amount of the debt, the IRS treats the forgiven amount as gained income, for which you should pay income taxes. ( That additional income might also affect your state taxes. )
Product: Credit reporting or other personal consumer reports

They didn't honest what I disputed in the past so it's time to fix this issue once at all I should ask for $ XXXX for punitive damages because of failing to delete but they didn't proof what they verified can they prove that? I have enclosed with FTC report about these accounts because Equifax is only XXXX reporting lowest score than my other bureaus way too many mismatched. I am sure CFPB able to see my all of my credit profiles. You got ta ask Equifax how they verify the accounts since they said they did.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent out letters challenging incorrect information on my credit report In accordance with the Fair Credit Reporting Act XXXX XXXX : Account number : XXXX, XXXX. 
XXXX : Account number : XXXX PROFESSIONAL PLACEMENT Account number : XXXX XXXX XXXX XXXX ASSOCIATES Account number : XXXX XXXX XXXX XXXX ASSOCIATES 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 also states a consumer reporting agency can not furnish an account without my written instructions. 

The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer, I demand the following accounts be DELETED from my consumer credit report immediately. 

The XXXX of such inaccurate and incomplete information has severely damaged my personal and credit representation of myself and has caused severe humiliation, Emotional distress, XXXX anguish, and lower FICO Scores The term " identity theft '' means fraud committed using the identifying information of another person. By you reporting my personal information, accounts that are not accurate and are misleading. You are actively committing fraud by having these items on my consumer report because I never gave the XXXX XXXX XXXX permission to report my information I have yet to see a response on my investigation sent which is another violation & its been way over XXXX  days.
Product: Debt collection

TRANSWORLD SYSTEM INC was notified as a debt collector in writing that the consumer refuses to pay the debt and that the consumer wishes the debt collector to verify the alleged debt or cease further communication with the consumer. TRANSWORLD SYSTEM INC, shall not communicate further with the consumer with respect to such debt. I respectfully requested that their offices provide competent evidence as per the attached Proof of Claim that I have any legal obligation to pay them the unsubstantiated alleged debt. They needed to show proper validation of this alleged debt and if this was not provided within 30 calendar days of receiving the notice, everything mentioned stands as truth, and the alleged debt is said to be invalid. FDCPA CODE Violations Committed By the Following Company TRANSWORLD SYSTEM INC 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than { {$100.00} } and not more than { {$1000.00} } ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater ; Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud )
Product: Payday loan, title loan, personal loan, or advance loan

I opened a loan with Koalafi in XX/XX/year> and immediately signed up for auto pay. Despite this, I kept receiving messages indicating that I was late on payments. When I called the company, a representative assured me it was a mistake and that auto pay was active. However, I later discovered that an auto payment had been missed and interest had been added to my account. When I called again, the representative initially acknowledged the mistake and told me not to worry, but during a subsequent call, I was informed that the interest was valid and owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name U.S Bankruptcy Court Account # XXXX has violated my rights. 
15 USC 1681 Section 602.A states that I have the right to privacy.

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

15 USC 1681c. ( a ) ( 5 ) Section states ; No consumer reporting agency may make any consumer report containing any of the following items of information, ay other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 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 accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT IN LETTERS BUT GOT NO RESPONSE ON THE FOLLOWING : I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME THERE IS A CHAPTER XXXX LISTING ON MY REPORT WHICH IS WRONG
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my XXXX, Experian and XXXX credit reports. My latest credit reports show six ( 6 ) hard credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 
Item No. Creditor Account 1 XXXX XXXXXXXX  inquired on XX/XX/XXXX XXXX & Experian 2 XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX 3 XXXX XXXX XXXX services inquired on XX/XX/XXXX XXXX 4 XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX 5 XXXX XXXX XXXX inquired on XXXX XXXX 6 XXXX inquired on XXXX XXXX
Product: Checking or savings account

Chase continues to give untruthful information regarding their closing of my account and continued contyact with me. After chase closed my acct for me being XXXX they continued to remind me of the discrimination by sending me unwanted emails that I can not unsubscribe to. Chase refuses to unsubscribe me and refuses to allow me to unsubsribe from their unwanted emails that again remind me of their discrimination. Chase lied in my last complaint saying ; " We previously responded to your concerns about the closure of your account in the enclosed letter dated XX/XX/2018. When your checking account was closed, your online profile remained active, which allowed for emails to be sent. Were sorry for any inconvenience this has caused. We have closed and deleted your online profile which will prevent emails to be sent out in the future. We have also taken steps to stop any marketing offers, including Our Neighbor marketing materials, to be sent to you. Please allow 90 days for mail, 30 days for phone, and 10 days for email marketing to cease due to campaigns already in progress. '' Now over 2 months later they continue to harass me with these emails. Today Chase sent yet another email and continues to deny me an accommodation under the XXXX. 
Chase refuses to delete my account info and continues to maintain it in their system causing these abusive emails and putting my personal info at risk. Since Chase can not control the emails how can they control unauthorized access to my personal info. 
I spoke with XXXX at Chase today who indicated Chase would keep my info. XXXX also said Chase did not do anything to stop the emails nor will they do anything to stop the emails. I was also told that Chase was now saving a voice file of my voice to help identify me. XXXX then hung up on me.
Product: Vehicle loan or lease

I thought I had purchased a XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX in XXXX, MD. which Ally Financial chose to finance to me, XXXX XXXX XXXX. I never made a payment on this vehicle because it was financed at 11.1 % interest rate. Then I discovered the vehicle 's lien and MVA Tags were never transferred into my name along with an expired registration. I contacted Ally Financial on XX/XX/XXXX @ XXXX, on XX/XX/XXXX @ XXXX, on XX/XX/XXXX @ XXXX asking to speak to a manager about this vehicle not being in my name and even the MVA said they considered the vehicle & tags stolen and on top of it the temporary registration had expired on XX/XX/XXXX. I had filed a complaint against the above named dealer with the MVA here in Maryland. My MVA Investigator is XXXX XXXX who can not share his findings with the dealership with me-only the MVA. Last Thursday @ approximately XXXX XXXX  a man was on my property with a flashlight my wife thought he was a thief trying to steal the XXXX. When our XXXX light came on -he took off and jumped into a pick-up parked next door. The tow truck owner came by about XXXXXXXX XXXX and this was his statement to me : You better keep your XXXX parked behind the XXXX or I'll pull it out of you driveway. I explained to him the vehicle was on private property and the car dealership had pushed the title through the MVA 114 days after the XX/XX/XXXX date which put the XXXX in my name and he would be stealing the vehicle. On Saturday around I ran an errand @ XXXXXXXX XXXX and this tow truck driver hired by Ally Financial pulled the vehicle out of my driveway with the emergency brake on and has destroyed my asphalt driveway and concrete entrance to it. I want Ally Financial to reimburse for the XXXX Vehicle for {$63000.00} and the full cost to have my entire driveway replaced [ no patch job will fix it ] and the tow truck company and accomplices be held legally for coming onto private property and stealing the vehicle and destroying my entire driveway. I e-mailed Ally Financial on Saturday about this entire situation and like all the other times I've contacted them-NO RESPONSE!! I now need the CFPB to get involved.
Product: Credit reporting or other personal consumer reports

I believe I am a victim of a data breach, security freeze malfunction, credit mismatch or inaccurate information. There have been disputes sent to the credit furnisher with 2 forms of id dated XX/XX/year> ( see copies ) asking for correction to my credit report. LexisNexis sent a letter saying I did not send 2 forms of ID, this is a stall tactic by LexisNexis to avoid processing my disputes and to gain an additional 30 days to the original disputes. LexisNexis also failed to provide a copy of my credit report as requested in the letter 15 U.S.C. 1681 611 ( a ) ( 6a ) ( see copy of letter ) I do not recognize these accounts. Please get these Items Deleted off my Credit Report ASAP! 


Here is the information to be removed SECTION XXXX : Automobile Insurance Claim Records : RECORD 1, Claim Number : XXXX, Policy Number : XXXX, Details : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX - This is not my policy or claim! 
Delete this off my credit report ASAP! 
SECTION 10 : XXXX XXXX XXXX XXXXXXXX XXXX : RECORD 1, Record XXXX XXXX Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I reached out to verify with the Court, BCI and Utah State Board Of Pardons, they said they do not have this record in their system. Please get this Item Deleted off my Credit Report ASAP!

SECTION 11 : Inquiry Records : Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX XXXX XXXXXXXX OH XXXX I do not recognize this inquiry delete this ASAP! 
Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX- I do not remember authorizing this inquiry delete this ASAP! 
Date of Inquiry XXXX Insurance Underwriting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX- I do not remember authorizing this inquiry delete this ASAP! 
Date of Inquiry XXXX Insurance XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX- I do not remember authorizing this inquiry delete this ASAP!

Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX- I do not recognize this inquiry delete this ASAP! 
Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX- I do not recognize this inquiry delete this ASAP! 
Date of InquirXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX- I do not recognize this inquiry delete this ASAP! 
Date of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX- I do not recognize this inquiry delete this ASAP! 
Date of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX- I do not recognize this inquiry delete this ASAP! 
Date of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX- I do not recognize this inquiry delete this ASAP! 
Date of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX- I do not recognize this inquiry delete this ASAP! 
Date of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX- I do not recognize this inquiry delete this ASAP!
Product: Credit reporting or other personal consumer reports

Various loan companies did hard inquiries without my consent. I need these items removed and companies repremanded for improper practices ONEMAIN FINANCIAL ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. I can still see those items that affects my accounts. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please REMOVE the account completely from my Credit Reports : XXXX {$0.00}
Product: Credit card

Credit inquiry from XX/XX/year> without my consent or knowledge to open a credit card with Ally Financial
Product: Credit reporting

This complaint is being made for several reason ; I will be listing them below and will be making a separate complaint against each of the XXXX bureaus. I feel that I am a victim of abuse, handed out by these mega-companies that have no one to hold them accountable to. I wrote the bureaus myself last month and listed my disputes in great detail, listing the reason why I felt my accounts are inaccurate. Experian stated that they will not investigate ALL of the accounts. I know my rights and I know that when I notify them of inaccuracies, they are required to provide an investigation into these items. If I do n't agree with their results, they are required not only to do another investigation, but to ascertain that the info they receive from the creditors is actually correct and accurate. To send me something stating they will not investigate AT ALL is completely ridiculous. They get paid to report information on my credit report so they have no incentive to remove these items. They think that by sending me a letter, I 'm going to accept it, shut up and go on with my life. I KNOW that my rights are being violated and I will get an attorney if I must to actually do something on my behalf. I know the accounts on my credit file that i have disputed are either inaccurate, unverified or incomplete. I would like to see the actual documents that were used to verify these items, I would like to know their method of verification and I would like to know why they are reporting items on my credit file that have not been legally verified. Congress states that the only legal form of verification is firsthand knowledge ; that means they are required to have the actual proof in their possession to verify these items. If they do n't, they are not legally verified and must be removed. 
I 've included my 1st and 2nd dispute letters which detail why they are inaccurate.
Product: Credit reporting

The Ohio Attorney General submitted correspondence to remove a State Lien from my credit repository accounts as they have been paid and released. The credit reporting agency has yet to successfully comply with this request after several letters from myself with attached documentation and from the Ohio Attorney General which held the lien.
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 

XXXX XXXX XXXXXXXXBALANCE XXXX XXXXXXXXDate Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXBALANCE {$580.00} -Date Opened XX/XX/XXXX XXXX  # XXXX Date Opened XX/XX/XXXX -BALANCE {$110.00}
Product: Prepaid card

My account was negative XXXX I filed a dispute because I knew I didn't owe the consumer NOTHING!!! I WON MY DISPUTE AND THE CONSUMER SENT THE MONEY BACK TO MY FOUND BANK ACCOUNT THEY CREDITED TO THE NEGATIVE BALANCE LIKE I OWED THEM AFTER I WON MY DISPUTE AND I NEVER OWED NEITHER PARTY... SO BASICALLY THEY TOOK XXXX PLUS XXXX EXTRA DOLLARS ... THAT THE CONSUMER SAY THEY NEVER RECEIVED...
Product: Debt collection

I have Disputed this account since it came on my report XX/XX/2017. I am not the owner of this account. I even called and they said I would have to file a police report to have the collection removed. This is really hurting my credit. I am a teacher and I can not have false collection on my report. 

PHOENIX FINANCIAL SERV Outcome : Updated - The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details.
Product: Credit card or prepaid card

Not only is Capital one not allowing customers to use third party apps like XXXX to gain rewards for other programs ( XXXX XXXX ), I also owe them around {$1000.00} for a purchase I cancelled. 

I made a purchase with my Capital One card for a couch through XXXX. ( XX/XX/2018 ) I cancelled the order with XXXX the day after I ordered the couch. ( XX/XX/2018 ) I had to contact them 2 more times before I got a response. Turns out, they were emailing me. Even though I had told them specially not to, I said call or text only. Otherwise, I would not see the messages. 

Then, 2 weeks later, they finally sent an official notice that it was cancelled, no further action needed. ( XX/XX/2018 ) About three 3 days ( XX/XX/2018 ) later, an ~8 foot tall box was standing vertically on my door step, along with a ~4.5 foot long box. ( Photo attached ) Unable to open my front screen door and go in my own home while hold a car seat and a XXXX year old. Frustrating, but even if I did not cancel the order I had chosen the in home delivery ( photo attached ). I contacted them asking why it was still delivered when I had tried to cancel the order weeks ago and when they sent me the official cancellation notice a few days prior? 

They said it looked like the delivery service they hire decided to deliver it anyway so if I still wanted to return it I would have to pay {$150.00} for them to come pick it up. They knew they were dropping off a cancelled order. I was home, there was no knock, no door bell ring, nothing. 

XXXX refused to pick the package up for free or send me a refund and no one on resale pages were interested as a fully packaged couch seemed fishy or faulty. However, I didnt want these huge boxes sitting on my porch or living room floor forever. So, I ended up donating the couch and disputing the charge through capital one. 

Capital one denied the dispute and sent in the mail XXXX   proof which was about 20 pages of a decompressed thumbnail of a screenshot 2.5 inch x 3.5 inch of what I can only assume was their TOS because it was literally just a black blob. 

Capital one saw this and said it was proof. I literally went out and bought a magnifying glass to see if you could even make out words on these thumbnails but you could not. Not even with a magnifying glass. 

I decided to take the debt and give up because if they think its okay to treat a customer this way while accepting actually nothing from the company as proof then I have no chance of any financial justice. 

While reading an email from my XXXX XXXX app they said capital one isnt allowing their customers to access their own private data to use for points. Said that submitting a complaint is available. I did not know this was an option at all for any reason. So in my last efforts of redemption Im submitting this case as a complaint against Capital one.