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

XXXX XXXX is reporting a XXXX XXXX Account balance that was charged off with the IRS and received a tax benefit of a tax credit. Please find attached XXXX that shows that although XXXX XXXX has plainly charged off this debt but failed to file a XXXX for the benefit of the debtor. Case law provides that if a creditor takes the position to charge-off of a debt owed by debtor, that they can then no longer report this debt as outstanding on debtor 's credit report as that would be INACCURATE. I request that all bureaus cease the reporting of this account on my credit report. I demand that this be deleted. I am currently XXXX  and it is illegally reporting this debt on my credit report after they have received the tax benefit. I never received the XXXX so I filed XXXX on behalf of XXXX as is beyond XXXX  month requirement to file and provide the debtor with a copy. I demand that this account is removed from XXXX, Experian and XXXX as it is inaccurate. 

See, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XXXX recent case, a federal district court found that a creditors issuance of a Form XXXX is enough to plausibly suggest that Plaintiffs indebtedness was cancelled. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In making this determination, the court noted that XXXX of the XXXX identifiable events listed in XXXX C.F.R. XXXX that trigger a creditors duty to issue a Form XXXX are all forms of debt cancellation. Id. Further, some courts have reasoned that it would be inequitable to allow a creditor to pursue further collection of a debt in cases where the debtor, in reliance on the Form XXXX, includes the cancelled debt in his or her gross income when filing his or her personal income tax forms. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Therefore, in addition to removal of this account from all my credit bureau reporting agencies immediately, I would like to compensated damages for the reporting on my report illegally for every year that this was illegally and inaccurately reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I called transunion to complaint about several unauthorized inquiries on my credit report. XXXX XXXX XX/XX/2022, XXXX. XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022 and XXXX XX/XX/2022. I informed the representative that I had spoken to each of of the companies that made the inquiries and was informed that any fraudulent inquiries needed to be taken up with the reporting agency. XXXX informed me that they had already requested to transunion that their inquiry be removed 3 weeks ago. Transunion has failed to remove these fraudulent inquiries and failed to address my concerns in a timely manner. All the while hurting my credit score and there by costing me more money in paying higher interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the information reported regarding the charged-off account with the reference number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,. The discrepancy arises from the differing last active dates reported by XXXX and Equifax, which has led to confusion and inaccuracies on my credit report. 

Upon reviewing my credit reports, I noticed that XXXX has listed the last active date as XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This inconsistency has raised concerns regarding the accuracy and integrity of the information being reported, potentially affecting my creditworthiness and financial standing. 

I kindly request that you thoroughly investigate and rectify this matter promptly. I expect the credit bureau to conduct a comprehensive review of my account information and make the necessary corrections to ensure that the reporting is consistent and accurate across all credit bureaus. 

In accordance with the Fair Credit Reporting Act, I am formally requesting that you provide me with a written explanation of the steps taken to resolve this dispute. Additionally, I request that you provide me with a corrected copy of my credit report reflecting the accurate and consistent last active date for the account in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Inquiries do not belong to me : TransUnion : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am showing 6 accounts on my credit report on three bureaus that are not mine they do not belong to me I have tried calling and disputing these accounts as well as sending letters to the bureaus and the furnishers and nothing is being done about this it is identity theft I have not applied or used or even know what these accounts are in my credit I need them off my credit report this is false showing of my credit account. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account INQUIRIES XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 2020
Product: Checking or savings account

Navy fed would take too long to post my money I deposited which led to overdraft fees
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my husband and I received XXXX dated XX/XX/XXXX notifying us of a matching error on our tax year XXXX XXXX filing ; specifically for Payment Card/Third Party Trans from Block, Inc , F/K/A Square , Inc , in the amount of {$100000.00}. 
The receipt of this letter on XX/XX/XXXX is when we first became aware of the unauthorized and fraudulent use of my husband 's social security number. We then checked tax transcripts and found a second account was opened in XXXX totaling {$89000.00}. For XXXX alone the IRS is proposing a tax bill of {$41000.00}. 

Neither myself or my husband have ever held such a payment account through Square, and certainly were not aware of or authorized this account. Additionally, the unusual account activity indicated in the transcript does not reflect our financial behavior. 

Attempts to remediate this matching error through Square directly have been ignored and the case # was closed automatically after they " did not hear from me '' for two weeks even though they never responded. Since the case was closed, 40 emails have been exchanged with their customer service email with no traction. I am unable to speak to a person directly since their support line does not recognize my phone number as I do not have an ( authorized ) account. 

We have additionally filed a police report with XXXX XXXX XXXX XXXX of Oregon, which has also yielded no results. 

I am astounded that a financial institution has made it virtually impossible to contact them, that there is no way for me to know what financial institutions are using our social security numbers for this type of third-party payment processing, and whatever method they are using to verify accounts is sorely failing.
Product: Credit card or prepaid card

I went XXXX XXXX XXXX, I was offered to apply a credit card to make my purchases. I applied with synchrony bank and was offered a credit card on the spot. I made purchases costing {$2100.00}. I started my payments as scheduled each month through my bank 's bill pay program and I was always on time with them. In my mind I had a certain month when I pay off this card. In the meantime, early on they increased my credit line and I called them stating I do not want this increase. So after making {$1500.00} and some payments to the bank last month ( XXXX I opened the bill and I owe another {$1500.00}. I thought it was a mistake so I called and explained myself, the lady transferred me to the manager who said that I went past the promotional period of 1 year of paying without interest that is why. I started making payments in XX/XX/XXXX and I told him I was not aware of that. Even if I past a year which is in XX/XX/XXXX now, it's just been 2 months why this much interest of {$900.00}, asked to review their interest did not get anywhere and called for the second time, did not resolve my problem. I decided to file this complaint because I do not have the money to pay this bank for this much interest on the furniture bought last year. Please advise to review their interest because it is not right. Now they charging me {$43.00} of interest each month on top of the {$900.00} they have already charged. Please this is not helping me at all, I understand banks make interest but at the same time it has to be reasonable. Please plead for my case.
Product: Debt collection

They call for a debt. Won't tell me what debt. Which i have none. Asked my personal info they want my address my ssn. I won't give it. I looked this company up and apparently they collect for XXXX. I owe nothing to XXXX. Products are not sent til they are paid for. I told them cease and desist asked for their address they won't give it. I'm sick of these scammers
Product: Credit reporting or other personal consumer reports

Equifax reinserted XXXX XXXX XXXX. ( Acct : XXXX ) after XXXX removed it, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), 1681e ( b ), and 1681s-2 ( b ). Ive reported this to the CFPB & FTC. Remove it within 4 business days. Proof attached. 


IM ASKING TO PLEASE REMOVE THIS ACCOUNT AND DO NOT ALLOW ANYONE TO REINSERT IT AGAIN IT PREVENTING ME FROM GETTING A JOB, CAR, AS WELL AS HOUSING FOR MY FAMILY. I WAS NOT NOTIFED BEFORE EQUIFAX DID THIS BY MAIL WHICH VIOLATES MY RIGHTS. AS WELL THIS ACCOUNT HAS BEEN ALREADY REMOVED FROM XXXX LAST WEEK! XX/XX/2025 report number XXXX Item disputed XXXX XXXX XXXX XXXXXXXX Issue type Account ownership and fraud issues Issue I am a victim of Identity Theft and Data Breach and have a FTC ID Theft report ( XXXX ) please contact Equifax and ask them to remove i have already submitted the same attachments and info in their portal. proof attached here also Confirmation # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 USC 1681 section 602 states There is a need to insure that a consumer reporting agency has a responsibility to report with fairness, impartiality, and respect for the consumers right to privacy. XXXX, XXXX, and XXXX are consumer reporting agencies as I am the consumer. I have the right to make sure my private non-public information is not shared per 15 USC 6801 which states It is the policy of the Congress that each Financial institution has a favorable and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of their customers nonpublic personal information as the furnishers of that said information to credit agencies. 15 USC 6802 states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless I, XXXX XXXX, the consumer, is given an explanation of how I can exercise that nondisclosure option. I was never informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 USC 1681a 1 states " 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. 15 USC 1681 sections 604A section 2 states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with written instruction from the consumer to whom the information relates to. Financial institution Global Lending Services and the consumer reporting agencies listed above do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to these credit reporting agencies listed above whether it was verbal, non-verbal. Written. Implied or otherwise is permanently revoked. With this being said I am opting out of your reporting services as it is my right to per XXXX XXXX XXXX A consumer may exercise the right to opt out at any time.
Product: Credit reporting or other personal consumer reports

All I know it appeared on my credit report as a collection. I was breached in Louisiana. The Breach was XXXX, XXXX and Louisiana XXXX. All my information was taken and used. My information was to create accounts. They have my driver 's license and social security number and my addresses. I have been told they was opening up accounts online and requested personal information in which they have. Especially bank accounts, Loans, I now have life lock. I was also reported to TeleCheck for something that has nothing to do with me. I'm accused in the so-called information that it was me because they have my information. They have XXXX in which it was my bank. My money was taken out it was XXXX dollars in bits and pieces. I don't know who did it. All together I had XXXX taken from me. So I know about the identity theft that had been going on. These accounts are part of identity I'm talking about. XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX Bank in which they closed my account. My direct deposit was being taken. I went there like always it was said it was me doing. I was told at XXXX in XXXX La. I had the same information as someone else. I'm like can I get the information. Because I just cashed a check there. I didn't. They couldn't provide the information. I had my birth certificate and social at the time on me. That what got me not being arrested that day. The clerk also said we look alike I'm shorter and thicker. I don't know. Apartments also. I see so many addresses that not mine. Cell phone companies like XXXX. XXXX companies XXXX. It's not mine They also have a lot of inquiries that is on my report. Only inquiry should be there is XXXX XXXX Its a loan company.
Product: Credit reporting or other personal consumer reports

Dispute i sent was not investigated by Experian, Keep receiving emails from experian claiming the dispute was not sent by me and they won't move foward with MY dispute, These stall tactics are getting frustrating, where is my consumer protection? in my dispute i sent in a photocopy of my drivers license, social and bank statement, there should be no reason why i keep receiving these stall emails trying to actively IGNORE my sent dispute. 

Attached is a copy of my factual dispute. Any more emails like this and we will take legal action.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. " XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block the inquiry that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XX/XX/2023
Product: Debt collection

Original Creditor : DISCOVER FINANCIAL SVCS ( Discover Card ) - who hired collection agency Attorney for Collections : XXXX XXXX XXXX of XXXX, TX XXXX ( new name of XXXX, XXXX, XXXX, XXXX, XXXX of XXXX, Texas XXXX ) I hired an attorney to help make payment plan, and avoid judgment. 

Payment Plan agreed ( XX/XX/XXXX, Agreed Judgment dated XX/XX/XXXX, Debt fully paid XXXX XX/XX/XXXX No communication from Plaintiff XXXX XXXX XXXX XXXX 

Fast forward : XX/XX/XXXX ( 7 years AFTER last payment was sent in to satisfy debt ) : My attorney contacted by XXXX et al threatening repeat collection action, judgment, discovery interviews, depositions - against the SAME DISCOVER BANK debt. 

This is a fishing expedition - trying to collect on past customers/clients/debtors who still own assets on record, and may be even against those that may have died in the intervening seven years. 

CAN THEY REALLY DO THAT??
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed the items below but the bureaus did not remove them nor prove validation. 

XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Checking or savings account

On XX/XX/2021, XXXX electronic transactions totaling XXXX were performed on your account. I did not authorize these payments. The payments occurred through XXXX. I opened the case on XX/XX/XXXX for an investigation and for a request to receive these funds back. I received a letter from Citibank on XX/XX/XXXX, that they made several attempts to contact me to obtain additional information for my request. However, this is false. I never received a letter, a voicemail, or e-mails. I only found out that the request was canceled when I called my bank on XX/XX/XXXX. The supervisor I spoke to told me the initial investigation was filed improperly. I opened up another case on XX/XX/XXXX, and the case has yet to be resolved. I have not been able to pay my rent - I am 12 days late - because my bank was not able to resolve this due to improperly filing the initial investigation.
Product: Mortgage

In XXXX of XXXX, I inquired to Mr. Cooper about options regarding payment modifications. I was instructed that a loan modification is possible and went through all the applicable paperwork required, and was reassured time and time again that they have it handled, this is common, and it will not impact my credit. 

As of XXXX, after multiple attempts at a resolution, there has been a nonstop barrage of automated phone calls that lead to no one, unanswered support tickets, and no additonal paperwork at the end of the trial payment period modification period. They call every day not to resolve the issue, yet an automated message saying you owe money and to call us back, yet it's always the same answer- you're on a modification. Its fine, and we will remove that from automation. 

It's been reported to all agencies I'm delinquent when I was entrusted to pay a specific amount and not a XXXX more, or it will affect the modification ; I have records of payments each month and never miss a payment. 

While I hope Mr. Cooper 's reassignment of a dedicated specialist in XXXX will resolve this, it has not. It is now the XXXX of XXXX and via the app and website I have no way to make a payment. It says to wait for documents 3-10 business days, and it's been over 15. 

Even now a call in today they can not provide anything written yet I should trust the recorded call. 

If I try and call in its asking me to make a payment that does not reflect any payments made in the trial period and I can not change the amount via phone. 

Please help. 
A tired dad and frustrated homeowner