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

Hi my name is XXXX XXXX, I informed Experian that two public record are being reported incorrect as who is the report company It show the court name and address, The problem is, none of that information is accurate. The recorder of the court itself did not furnish any of this information to the credit bureaus. I obtained letters from courts over and over again, and they all confirm the same thing that they do NOT furnish information to any third party, including the credit bureaus. The credit bureaus provide you with false information about who furnished the information? XXXX  told that the bureaus get public records information from companies ( a.k.a. XXXX XXXX  ) like XXXX, or sometimes XXXX. These data miners are for-profit companies that are in the information-selling business. They regularly collect public records information into their database, and then they sell it to the main 3 credit bureaus. The credit bureaus do not list the data miner as their information provider. Whatever the reason, It is a violation of the Fair Credit Reporting Act to report false information. And claiming to get information from a court, when it is actually obtained from an unnamed 3rd party, that considered false information on your credit report. When I dispute the public record with the credit bureaus, they said they VERIFIED the information with the court! Again, this is completely false. They said they used typically utilize an automated computerized system called e-Oscar (  Online Solution for Complete and Accurate Reporting ) that automatically checks with the data miner. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical VALIDATION of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I do not consent to XXXX  or any means of automated verification.
Product: Credit card or prepaid card

I submitted payment. The company acted like I didn't send payment. I followed up and they closed my account. 
16 CFR 433.2 ( b ) - The right as a debtor to invoke any claim and defense against any seller creditor of goods and services in connection with a purchase money loan. 

Assuming that DISCOVER is required to abide by GAAP ( general accepted accounting procedure or practice ) : 12 USC 1831- GAAP accounting ledger has to account for negotiable instrument ( A signed Application, Trade Acceptance, Orders are negotiable instruments ).

12 USC 1813 ( I ) ( 1 ) borrower is to receive credit for their negotiable instrument.

DISCOVER is in possession of documents that are self liquidating paper according to 17 CFR 260.11b-6.

The contract between the parties is a consumer credit contract and as described in 16 CFR 433.1 ( i ) an instrument, and under UCC 3-104 ( a ) an instrument is a negotiable instrument and a unconditional promise to pay, no different than a dollar.

In order for DISCOVER to deny the instrument, the instruments needs to be returned with a notarized letter of dishonor and opportunity to cure.

UCC 3-104 UCC 3-111 UCC 3-306 UCC 3-603 UCC 3-602 The consumer was directed to fill out and then sign a consumer credit contract which is an INSTRUMENT pursuant to 16 C.F.R. 433.1 ( i ) and 433.3 ( XXXX ). Account Number XXXX is evidencing the receipt of the EQUIVALENT of money when issued in exchange for INSTRUMENTS ie the Promissory Notes signed by the consumer at the inception of the account and to the current date pursuant to 12 U.S. Code 1813 ( 1 ) ( 1 ). The INSTRUMENT is a medium of exchange and money per 1 U.C.C. 201 ( 24 ) and is then used as collateral at the Fed window to apply for an equal amount of federal reserve notes 12 U.S. Code 412 which states the collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances or any obligations which are direct obligations of the United States and per 18 U.S. Code 8 " obligation or other security of the United States '' An IRS Form 56 was issued to the DISCOVER XXXX, XXXX XXXX and received by DISCOVER. This compels agents representing the CFO XXXX XXXX on DISCOVER 's behalf to act in the best interest of XXXX XXXX XXXX. By issuing a Delinquent Notice to my account, the XXXX for DISCOVER is in violation of a fiduciary duty. As this Fiduciary appointment was never accepted or rejected within 10 days, it is assumed valid as a non response is agreement under the law. Please note that this notice has been filed with DISCOVER local IRS location. 

As DISCOVER XXXX, XXXX XXXX has been appointed fiduciary and DISCOVER has opened, retained and accepted documents entitled and conspicuously marked SPECIAL TRUST DEPOSIT, those deposits are binding. Credit my account, which is entirely possible for the full amount on the instrument. 
Increase my credit limit to {$20000.00}.
Product: Credit reporting or other personal consumer reports

I filed a dispute on Sallie Mae and XXXX XXXX due to inaccurate information. XXXX denied to follow up with the investigation. I was recently notified that CFPB has filed a lawsuit against XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. XXXX has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed or corrected immediately as it is affecting my chances of getting a house. XXXX violates my rights as a consumer, as well as federal laws.
Product: Mortgage

On XX/XX/2016 I accepted a trial modification payment plan ; the conditions were set in which I make all trial payments on time ; US Bank sent me a permanent modification agreement which I signed with a notary and returned to US Bank on time ; and that despite all that I found my home listed for online auction set for XX/XX/2016 by US bank on the website XXXX at this address XXXX
Product: Debt collection

REVENUE RECOVERY CORPORATION Has stated I owe on XXXX account but in XXXX different ones at once!! I only used the XXXX Original Creditor. It has stated I owe {$38.00} and {$44.00} for the same thing. I was wondering Why, Do I owe on the same thing XXXX times when It was only for one thing. It was me getting XXXX from the company.
Product: Debt collection

On  XXXX   XXXX , I paid off my balance with Optimum Outcomes , Inc . I submitted a payment in the amount of {$460.00}, of which the account  XXXX  was included. I submitted a complaint in  XXXX , at which point  Optimum Outcomes  stated, " We have received the consumer 's accounts in our system. We have no active accounts associated with the consumer 's name and phone number. All accounts have either been returned to the original creditor per their request or are at  XXXX  balances and would have already been deleted. As of  XXXX   XXXX ,  Optimum Outcomes, Inc  is still reporting this account to   XXXX   as unpaid in the amount of {$320.00}. The account was assigned to them in  XXXX   XXXX . According to  XXXX , Optimum Outcomes , Inc,  verified that the account was accurate, how could this be the case, when in  XXXX  they said my balances were  XXXX  and I paid the balance in  XXXX   XXXX ?
Product: Vehicle loan or lease

Hi, i am the current owner of a XXXX XXXX XXXX, it's paid and full and i have the title in my name that was just mailed to me. Long story short, i tried to go to XXXX XXXX weeks ago XX/XX/XXXX to get purchase a new car, but denied due to a past lien still out on the vehicle. I advised Drive-Time of this issue, the same night XX/XX/XXXX and it's still yet to be resolved. I have done a lot of leg work for Drive-Time trying to get this resolved on my own. However, I feel as if though me being the customer I shouldn't be doing their job responsibilities for this business, when they have a full-staff. They haven't been very informative about updates, and the the status of my case. XXXX the Assistant General Manger at this location, ( XXXX XXXX XXXX XXXX ) hasn't been taking the appropriate measures to get this resolved quickly. If they can't resolve this amicably, then this leaves me no other recourse but to take the appropriate legal action. I've reached out to the previous owner 's lienholder ( XXXX XXXX ) on this vehicle trying to obtain the lien holder release form however the form isn't in there possession anymore, it's with the auction company XXXX XXXX XXXX California ). Due to me not being the retail buyer of this vehicle, they are not authorized to release this form to me. 

I've also called my lienholder ( XXXX ) to obtain this form, however they are being told by the auction company that they need some type of proof that shows that there is still a lien out on it. I called the XXXX XXXX at the XXXX location for help, and was advised that he's sorry for the situation that I'm in, and that there is nothing he can do to assist. I have been asked my a couple of team members by Drive-Time to obtain this proof. Why am i being asked to job Drive-Time 's job and responsibilities? This is something that i was told by my attorney that they should be being handled this themselves or there staff. However, I've been the one taking matters into my own hands trying to get my own issue resolved. All i want is for this to be resolved, so i can proceed with a purchasing a new car! 


Also this happened to my friend about a year & a half ago with her XXXX XXXX, she was sold a car by Drive-Time that had a hole in engine. That was even in a battle between Drive-Time and XXXX trying to get Drive-Time to fix there mistake. In the end my friend lost, and had to buy a new car with XXXX due to them selling her car that had prior mechanical issues. 

I'm just wanting to bring attention to this business that is just quick to sell a car, but is not doing there due diligence to insure that your in something safe and reliable.
Product: Credit reporting or other personal consumer reports

This is conjunction with my previous complaint ( # XXXX ) filed with XXXX ( XXXX XXXX ) and CFPB on XX/XX/year>. It was NOT properly resolved and as a result my credit score is suffering. This is impacting my everyday life and credit redlining at its best. I plan to pursue legal action at this point. I received a response from XXXX XXXX, stating that they could not identify me by Social Security #, which is odd being that they told CFPB that they were working on the complaint but managed to close it at this point on their end without remedy. This needs to be fixed immediately. There has been no changes on my end that would caused a XXXX point credit score reduction. I will pursue legal action if this is NOT fixed.
Product: Money transfer, virtual currency, or money service

Here is my problem : I got this Paypal message : " Your PayPal Funds are Eligible for Withdrawal '' now when I try to withdraw funds it says : " Sorry, we weren't able to process your request. Please check your info and try again ''. Now when I try to Request a Check it says : " Sorry your last action could not be completed ''. This is not sense to me because I got this Paypal message after waiting a holding period of 180 days : " Your PayPal Funds are Eligible for Withdrawal '' Please help, Thank you.
Product: Checking or savings account

Bank of America Closed Our Joint Funds Account Without Explanation, Holding {$56000.00} for XXXX Weeks On XX/XX/year>, Bank of America unilaterally closed our account without prior notice or a clear explanation. When we contacted customer service, they informed us that it would take XXXX weeks to finalize the closure, but they have provided no reason for this decision. 

The account holds {$56000.00}, which belongs to both me and my husband, with funds coming from both partners earnings and family support. We have explained multiple times that we transferred money from our other bank ( XXXX ) and used it for legitimate transactions, including transfers to Coinbase for cryptocurrency trading and peer-to-peer ( XXXX ) transactions. Despite our efforts to clarify, Bank of America has : XXXX. Refused to provide any reason for closing our account. 
XXXX. Not given any clear resolution or process to address potential concerns. 
XXXX. Held our funds for XXXX weeks without justification, preventing us from accessing our own money. 
XXXX. This unexpected closure and prolonged hold on our jointly owned funds have caused significant financial hardship. We believe we deserve a transparent explanation and immediate access to our money.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following inaccurate items that are on my credit report i previously sent letter to XXXX XXXX experian and they have not acknowladged my despute XXXX XXXX XXXX XXXX XX/XX/year> XXXX {$6000.00} DEPT OF EDXXXX XX/XX/year> XXXX {$6000.00} XXXX XXXX XXXX XXXX XX/XX/year> XXXX {$6000.00} U S DEPT OF ED/XXXX XX/XX/year> Acct : XXXX {$9700.00} DEPT OF EDXXXX XX/XX/year> XXXX {$6000.00} Experian XXXX XXXX XXXX XX/XX/year> XXXX {$6000.00} XXXX XXXX DEPT OF EDXXXX XX/XX/year> Acct : XXXX {$9700.00}
Product: Credit reporting

I would like to file a complaint about Experian. I am so upset, and am hoping you can help me. Experian still will not let me dispute my credit report information online, even though they encouraged me to go to : XXXX. I also was unable to get help over the phone. There are so many incorrect items on my Experian report, I hardly know where to begin. 

The incorrect items include : an incorrect spelling of my name, a p.o. box in XXXX. that I never opened, several credit card accounts that I never applied for, XXXX incorrect phone numbers, and a statement that my current apartment address in XXXX is a business related to automobile service! 

As stated previously, I am the victim of major identity theft. I filed fraud alerts and security freezes with all of the credit reporting bureaus on XX/XX/2015 and XX/XX/2015. Yet, my latest Experian credit report, received today and dated XX/XX/2015, lists a " XX/XX/2015 '' application for a company called " XXXX, XXXX '', in XXXX, XXXX. I never applied for such a loan. I thought that a security freeze and fraud alert would prevent someone else from using my identity or accessing my Experian report. 

I called " XXXX, XXXX '' today, at both XXXX. PDT and XXXX. PDT -- although sympathetic to my situation, the company told me I had to dispute the fraudulent item directly with Experian. 

I realize I can dispute items in my report by mail to Experian in XXXX, XXXX. However, it would be much faster to file the dispute online. 

At this time, I am taking care of my mom, who has XXXX XXXX. I really can not take too much more XXXX. 

Any further assistance from the CFPB would be greatly appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX XXXX has violated my rights 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 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I never lived in XXXX and i never got arrested for identity theft or charged with a crime.
Product: Student loan

Navient the Federal Student Aid has informed me that on XX/XX/04 two different FFELP Consolidation loans were took out in my name. One for the amount of {$27000.00}. The other amount for {$22000.00}. Documents of recorded amounts the government loans were is included in this complaint with interest and interest rate. 

I need a copy of the government consolidation loans contracts of {$22000.00} and {$27000.00} that are in my name. 

I tried talking to your representative it has been about 2 months.
Product: Debt collection

I have never done business with IQ Data International IN. I do not have a signed contract not any contract with IQ Data International IN, I have the right to demand a copy of any contract between IQ International IN and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE XXXX FRAUDULENT ACCOUNTS UNDER MY NAME, I DIDN'T AUTHORIZE THESE ACCOUNTS TO BE OPENED, I DIDN'T APPY FOR THEM. I HAVE TRIED TO CONTACT THE CREDITORS, THE BREAUS BUT I CAN'T SEEM TO GET THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT. BOTH OF THE ACCOUNTS WERE OPENED BACK IN 2021, WHEN I WAS IN THE HOSPITAL. THE CHARGES ARE THESE ACCOUNTS ARE NOT MINE, THESE ACCOUNTS ARE NOT MINE, I DON'T KNOW WHO ELSE TO GO TO TO GET THESE ACCOUNTS REMOVED ONCE AND FOR ALL.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit inquiry was not authorized by me. Please validate this inquiry. My social security number was included in the security breach.
Product: Credit reporting or other personal consumer reports

The company keep reporting to the credit bureaus about not paying on this balance. I first filled out the form to get credit for working at the Police department for 5 years. Every time I submitted the information the claim they didn't get ; so I gave up on that. Due to the fact, my income is under poverty level I feel out a extension for the paying back the loan. I was told I couldn't get any more extension. the rep and I discussed for them just to take my state taxes. I had no problem with that. When I pulled my credit report they keep report I'm late on my payments. I can't be late when they take my state taxes and all the other money the state gives me ( the checks for the Covid etc. ). By this company the report this and not reporting that they have been paid. It's ruined my credit and can't get any assistant nor jobs. I asked for them to send me the original contract that I stated I was paying {$70.00} a month. The only thing I agreed to was paying with my stated taxes. we barely have enough money to pay the bills. I also asked the credit reporting agency to correct this, but nothing has been done as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed a letter to This company last XXXX of XXXX to dispute the following : XXXX , XXXX XXXX XX/XX/XXXX, Balance {$1400.00} XXXX XXXX XXXX XXXX, Opened XXXX XX/XX/XXXX, Balance {$0.00} XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$530.00} XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1600.00} XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$550.00} XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$360.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$2000.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$5500.00} XXXX XXXX XXXXXXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1000.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4400.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1500.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3500.00} XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$900.00} XXXX/XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1100.00} UNIVERSITY OF XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4000.00} UNIVERSITY OF XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1000.00} XXXX XXXX XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$3500.00} As I write this letter, this incorrect/invalid accounts continues to damage my credit file and this company doesn't seem to have done anything from the XXXX of XXXX when my first correspondence was sent and received by them. This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XXXX of XXXX and a copy of the letter I sent them again, on XXXX XXXX. I do not believe that this items are supposed to be on my credit report at all. I am demanding a copy of the documents used for the verification, name and contact info of the person whom they've verified this account info. I will not tolerate their continued negligence and none compliance and I will seek legal assistance if necessary.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several erroneous entry. The Experian credit bureau is legally obligated to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting account as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable account listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX Balance : {$220000.00}
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the immediate removal of several inaccurate items from my credit report provided by Experian. Upon reviewing my credit report, I have identified several discrepancies that require immediate attention and correction. I demand the prompt removal of the following inaccuracies : 1. Charge-off : [ Provide details of the charge-off, including the account number, date of charge-off, and amount ].

2. Late Payment : [ Specify the late payment instance ( s ), including dates and account details ]. 3. Settlement : [ Detail the settlement and any discrepancies related to it ].

4. Inquiries : [ List any unauthorized or incorrect inquiries ].

5. Repossession : [ Provide details of the repossession, including date and account information ]. 6. Credit Card Issues : [ Detail any issues related to credit card accounts ].

These inaccuracies not only misrepresent my creditworthiness but also violate the Fair Credit Reporting Act ( FCRA ) guidelines. As such, I demand their immediate removal to prevent further harm to my credit profile. 
I remind Experian of its obligation under the FCRA to ensure the accuracy and integrity of credit reports. Failure to promptly remove these inaccuracies may result in legal action.

I expect immediate action on this matter and request confirmation of the removal of the disputed items once the necessary corrections have been made.