23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To my dismay, it has been well beyond the allowed timeframe of 60 days, and I have yet to receive any meaningful information regarding the status of the investigation. I submitted a dispute regarding fraudulent accounts on my credit report, clearly indicating that I am a victim of identity theft. According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agencies are obligated to investigate such matters and provide resolution within a reasonable timeframe, not exceeding 30 days, with a potential extension of 15 days under certain circumstances. The lack of communication and transparency from your bureau is not only unprofessional but also in violation of the regulations set forth by the FCRA. I was the victim and Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I demand an immediate and thorough review of my case, along with the removal of the fraud accounts from my credit report or, at the very least, a suspension of their reporting until this matter is adequately resolved. It is evident that these disputed accounts are a result of identity theft, as your bureau has failed to verify their validity within the stipulated timeframe. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have diligently provided all necessary documentation to support my claim of identity theft, yet there has been no evidence of the bureau 's effort to verify the validity of the fraud. This lack of action is not only unacceptable but also indicative of a serious lapse in your bureau 's responsibility to protect consumers from the damaging effects of identity theft.
Product: Credit reporting or other personal consumer reports

The inaccurate and outdated XXXX XXXX XXXX information below listed below was reported on my account. Its not new, its not an installment its was a civil court ordered financial acknowledged by me to pay the care giver of my child not a result of credit, it was not recently reported as listed the credit bureau made an update by finally listing the decade old case from open to close. The payments werent monthly. It closed a few years before the date listed. 
Account Status XXXX Account Type XXXX  Date Reported XX/XX/XXXX Terms Frequency XXXX Date Closed XX/XX/XXXX XXXX XXXX XXXX is is over XXXX XXXX XXXX. Clearly outdated and the below information was reported inaccurately as it relates to date reported conflicts with the last activity date, well over XXXX and XXXX years ago. Yet the credit bureau rather than delete the account, continually make updates stating information was verified without documentation of proof m. Also noted on my credit report it reads pays as agreed with a {$0.00} balance simultaneously reports sold/transfer? This has been this way on my report for years. The only recent change after I made numerous calls and electronic requests, the credit bureau closed the account but recto delete it. Its negatively effects my score history for years, high APR, loan rejection, employers haps pulled my report. Therefore my payment history and Fico Scores keep suffering. This violates my rights under the FCRA. 

Date Reported XX/XX/XXXX Balance {$0.00} Date of Last Activity XX/XX/XXXX Activity Designator XXXX Account Status XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax, I am filing a complaint based on my XX/XX/2022 Equifax credit report - there are 7 items in which I am disputing. 

Attached to this complaint are : drivers license social security card mailing address my written complaint my credit report dated XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit agencys about my XXXX account and chase account as the balances owed are not corrects, and I tried to settle the correct amount with them but the was denied. I requested how the credit agencys verified the account was accurate and I was never provided any proof just a letter that says it was verified again but i want to see my application I signed something there verifies this account was mine to say it was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I sent you a letter regarding inaccurate and unknown things on my credit report. This letter is in response to your response in my CFPB complaints with closed authorization needed, Is it not clear that I have attached my State ID and Utility bill to certify that is in fact me submitting the disputes. I wrote you to let you know that my credit report contains inaccurate and incorrect accounts that are ruining my credit scoring.
Product: Money transfer, virtual currency, or money service

I am trying to send money to a friend via PayPal. I have my debit card link to PayPal. PayPal was going to charge me a fee of more than {$4.00} to send {$150.00} to my friend. There was marketing message ( attached ) saying that I could avoid the fee if I paid directly from my bank. I decided to make the effort to link my bank account directly. This is the same bank account that my debit card is linked to. I successfully linked the accounts. When I went to send the money to my friend PayPal did not show me the newly linked account as an option to pay my friend. Yet it still marketed to me the fee free method of paying. I inquired and was told essentially that the risk team has not deemed my bank account as eligible for this type of transaction. So the only way I can send money to my friend is through my debit card by paying the fee. This is despite the fact that the money will be drawn from the exact same account. This practice is misleading. PayPal continues to market to me to use my bank account to avoid the fee, even though I already have that account linked, they do n't show it and only show me the option to pay the fee. 

Also, why do they allow me to use my bank account to make online purchases but not to send money to friends. This seems self serving and a way to generate fees, not minimize their risk, which is their claim.
Product: Debt collection

Ive never once had XXXX energy. This account just made my credit score drop over XXXX points. I am livid I dont understand how these bureaus make it so easy for people to obtain and steal your identity. Its frustrating, Ive had phones, cars even an apartment gotten in my name due to identity theft but nobody cares to actually investigate. I have a hotel address and a fake address on my credit profile as we speak. I deserve a fair credit report and maybe if I wasnt a young XXXX woman, people would actually take me serious and these bureaus would actually care. Im pissed. Ive had XXXX XXXX accounts on my XXXX and XXXX reports for years now DESPITE ME constantly disputing, filing police reports, and calling. It obviously wasnt me, why would I have had a XXXX XXXX card thats been open since XXXX when I was only XXXX  at the time!! But again this is proof of ignorance and neglect. I also need whatever XXXX XXXX account removed from my XXXX and XXXX reports, Ive said several times it was not me and proved so.Do better.. because my next step is pulling a class action or joining one. Im ready to tell my XXXX story. I live in XXXX, Texas one of the cities with the highest fraud rates, the same city where people break in just to steal your documents. Ive had it happen, my passport, both of my XXXX, my social security, AND my birth certificate were stolen in a home robbery, theres police documentation of these incidents, its so common in XXXX youd think you would all do more to fight it. I looked into XXXX XXXXXXXX myself and apparently they didnt even have paystubs or real proof of income from whoever obtained the loan. Its crazy how all XXXX people look the same, they dont even care to actually look into stuff not these greedy companies or these ignorant bureaus. I never once worked at XXXX XXXX XXXX and that was what was used as income you can search my social and see the places I worked and it was never there. These bureaus are LAZY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX ... CAPITAL ONE XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding the erroneous information I discovered on my credit report, I am submitting this complaint. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. Below is the list of the fraudulent items I found on my Credit report that needs to be removed as soon as possible : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide me with copies proof of verification or any documents resulted from your investigation proving that these accounts and information belong under my name. If you can not provide me any documents, please remove the disputed accounts and information off from my XXXX XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN, XXXX, and XXXX are in violation of my consumer rights by reporting several charge offs that are over the amount of {$600.00}. These debts are now lawfully classified as Certificates of Indebtedness which makes this income to me. Income is to not be reported and is a violation of my privacy pursuant to the Privacy ACT of 1974.

In its broadest sense, a 1099-C is an information tax return that banks, credit unions and other commercial lenders must provide debtors after an identifiable event causes the creditor to have to discharge an indebtedness of at least {$600.00}. The identifiable events that require a creditor to issue a 1099-C include any discharge, cancellation or extinguishment of a debt that occurs by reason of ( A ) bankruptcy ; ( B ) receivership, foreclosure, or similar proceeding ; ( C ) the expiration of the statute of limitations for collection of the debt ; ( D ) the election of foreclosure remedies by a creditor ; ( E ) pursuant to a probate or similar proceeding ; ( F ) a settlement for less than the full amount owed; or ( G ) the application of a defined policy of the creditor, to discontinue collection activity and discharge debt. See XXXX. XXXX. XXXX ( b ) ( 2 ) ( i ). 

Lenders that charge off a debt trigger issuance of the 1099-C when their defined policy leads the lender to discontinue collection activity and discharge a debt. A lenders defined policy includes both written policies and established business practices. See XXXX. XXXX. XXXX ( b ) ( 2 ) ( iii ). An example of an established business practice includes discontinuing collection activity and abandoning debts upon expiration of a particular non-payment period. Id. 

They are unlawfully reporting the following accounts : XXXXXXXX XXXX- {$1500.00} - XXXX XXXX  - {$6200.00} -XXXX XXXX XXXX- {$3400.00} All of these amounts are clearly over {$600.00}. 

Pursuant to the laws outlined in the FCRA EXPERIAN, XXXX, and XXXX are supposed to validate and verify that all information is 100 % correct before reporting any information on my consumer report.
Product: Checking or savings account

My current bank USAA FSB has violated my financial privacy by adding my partner to my PERSONAL checking account after being instructed multiple times not to. They have also been unable to remove him without signing a form. This seems inconsistent with the fact that I never authorized him to be added in the first place, instructed them to open up his OWN account yet they still failed to listen and let him get added anyway.
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record. As we enter this attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. 

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. Please help me remove these items immediately : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$4400.00} XXXXXXXX XXXX  XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$14000.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$7200.00} XXXX XXXXXXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$5600.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$4400.00} XXXX XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$4400.00} XXXX XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXXXXXX Balance Owed : {$7200.00} XXXX XXXX XXXX XXXX Owed : {$3300.00} XXXX XXXXXXXX XXXX Balance Owed : {$110.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I received a letter from XXXX XXXX attorney telling me a judgement could be reactivated since it went dormant. I offered to pay half the debt to XXXX XXXX on XX/XX/year>. I sent proof I received social security. They told me to put file number XXXX and to send it to XXXX. The attorney said they would contact the client and get back to me. I followed up a week later with no response. I called XXXX XXXX myself and they said they don't own the debt to contact XXXX XXXX. I'm being threatened legal actions and I'm offering a settlement for my debt that I can afford and no one will cooperate or communicate.
Product: Debt collection

THESE XXXX COLLECTIONS DID NOT PROVIDE THE BALANCE THEY SAY I OWE WITH PROOF OF PAYMENTS UP TO THAT BALANCE DATE, DID NOT EXPLAIN AND SHOW ME HOW THEY CALCULATE DWHAT THEY SAY I OWE. THEY HAVENT PROVED THE STATUE OF LIMITATIONS HAS NOT EXPIRED ON THAT ACCOUNT AND PROVIDED ME WITH THEIR LISENCE XXXX XXXX REGISTERED AGENT SERVICE.
Product: Credit card or prepaid card

3 late payments showing on credit reports which is incorrect.
Product: Credit reporting or other personal consumer reports

Data breaches allowed information to be obtain by out sources
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received notification from Experian credit bureau that my XXXX  XXXX  account was closed. The same day XX/XX/year> I reached out to the creditor they informed me account is open and in good standing and theyve been reporting this status of the account to all three credit bureaus
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX  XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Student loan

Made an online request XXXX to change payment plan from traditional payment plan to the graduated extended plan. My payment on the traditional plan is {$500.00} which I can not afford. The graduated extended plan would be an estimated payment of {$160.00}. As of XX/XX/ my payment plan change request was still processing. I attempted to call Mohela to see if I could correct this, the wait time was over an hour. I sent them an online message with this request XX/XX/ which still has not been answered. On XXXX I attempted to call them again as my payment was now past due, after waiting on hold for an hour. I got a junior representative to answer I explained my issue and she told me she would have to transfer me to a senior representative as she could not assist me with this issue. She put me on hold to transfer me, and then the automated system stated that their office was now closed. After my failed phone call I got online and submitted another payment change request. Today XX/XX/23 my wife is still on hold with them after XXXX hours and XXXX minutes. After XXXX hour XXXX minutes she had a junior representative answer and tell her the same thing I was told on Friday. They have transferred her and told her it should only be a XXXX minute wait when she was transferred the automated system stated the wait time was XXXX minutes. She has now been on hold nearly an hour with no end in site. In the meantime I am still in limbo with a late payment and interest rapidly growing while we wait on hold with no answers.
Product: Checking or savings account

My debit card was used fraudulently at an ATM while in XXXX XXXX and chase refuses to credit my for it. The amount was {$400.00} on XX/XX/
Product: Debt collection

constantly calling and I do not owe them anything. 
They are calling my wireless number, which by law, they are not supposed to without my authorization which I never gave them. 
I don't khnow who they are, and won't give personal information to any random company that contacts me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX