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

I reached out to XXXX about a charge off they did on my account and asked for the 1099-C that I did not receive when they charged off he account, The clerk verified with me that the account had been charged off and they did not know what the 1099-C was and then proceeded to tell me the debt had been sold to a credit collection company - Midland Credit Management , Inc . I have received a summons from Midland Credit Management , Inc, to collect the debt using the XXXX information that was sold to them. I have since sent in my written answer to the complaint to the courts, asking for the information : 1. Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you.

2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations in Utah has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent or Agent of Service. 

I do believe that this is fraud, XXXX sold my information to the credit agency for XXXX  on the XXXX  and now they are using XXXX name without the complete information to collect on a debt that was charged off and no 1099-C was sent for that charge off.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX Bal. {$570.00}, XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$340.00}, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX Bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : ( XXXX ). Since then, the account has repeatedly been updated as charged off every month. This is an updated in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitation. You failed to investigate this account properly and your neglect has violated my rights. A am demanding a deletion on the following account : XXXX Account no. : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX  XXXX ACCT #, XXXX  XXXX ACCT #, XXXX XXXX XXXX XXXX ACCT #, XXXX XXXX XXXX XXXX ACCT #, AND XXXX XXXX ( COLLECTION ) ACCT # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current credit report reflects two Kentucky Higher Education Student Loans with the same account numbers, open dates and closed dates. They both state that the account was transferred, closed/Never late. They have to different loan amounts Kentucky Loan 1- Closed XX/XX/09 for {$10000.00} Kentucky Loan 2- Closed XX/XX/09 for {$8500.00} Could not submit dispute because I had to wait until others account disputes were settled.
Product: Debt collection

I was reviewing my Credit Report and I noticed a few account that I never done business with on my report from a CBCS # XXXX There are several reentries on my report. I am requesting a PROOF OF CLAIM or SIGNATURE.. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant
Product: Mortgage

I had a home loan with Caliber Home Loans with a closing date of XX/XX/XXXX. 
In XXXX, I checked the refinancing rates for my loan and received a few competitive offers. 
At the same time, I received an email from Caliber Home Loans on XX/XX/XXXX, with the subject " Staying with Caliber XXXX be the smartest move you make all year '' and with the text " will meet or beat any competitors offer. If we cant, well give you a {$500.00} gift card '', 10-10.pdf attached. 
I called Caliber and talked with an XXXX Loan Consultant XXXX XXXX on XX/XX/XXXX. I asked to beat the best competitive offer following the above email. XXXX asked me to send him a copy of the competitive offer I received. Following his request, I sent him a competitive offer with a loan estimation from XXXX XXXX XXXX XXXX XXXX XXXX, 10-11.pdf and LoanEstimate.pdf attached. However, I did not receive any emails from XXXX in response to my email. 
I send him a reminder with a request to respond by email on XX/XX/XXXX, 10-12.pdf attached. 
I called XXXX XXXX a few times between XX/XX/XXXX and XX/XX/XXXX and he said he needed to talk to his XXXX. Finally, he said that he could not provide a competitive offer and I should receive a {$500.00} gift card, but he could not explain how I could receive it. 
I called Caliber Home Loans on XX/XX/XXXX and asked if they could pay the promotion with {$500.00} gift card? They said I would receive the {$500.00} gift card. I asked for an email confirmation. I did not receive any email confirmation since then. 
In XX/XX/XXXX I closed my loan with Caliber Home Loans and refinanced with the competitive offer.
Product: Checking or savings account

on XX/XX/XXXX XXXX XXXX a disgruntled client XXXX XXXX XXXX by telling her bank the XXXX payments she made for my company services were never received. She then submitted a XXXX dispute on XX/XX/XXXX, for the XXXX payment stating the services were not as discussed, Bank of America ( my bank ) allowed XXXX  ( XXXX ) by proxy of the clients banks, to Remove the payments as a " XXXX  '' even though i have SIGNED CONTRACTS with the client stating NO REFUNDS of any kind for any reason, as well as email / text chains with her confirming the receipt, I Tried to reach out to the bank directly asking why they allowed this to happen without reaching out to me for documentation, i was then told to follow an incorrect claim path by the BOA agent wasting more time, to which i filed an unauthorized ach form that the bank rejected claiming the contract i have with my merchant XXXX  is valid, even though MY contract directly with the client supersedes the merchant agreement, and should be held accountable by my financial institution. 

By my bank allowing my XXXX payments of {$4000.00} being removed from my account illegally, without following through as a business checking account should, This has caused my bank account to be negative multiple times, multiple payments and loans being paid late, as well as my credit dropping substantially. Not only this because they kept fighting with XXXX for this money they added and removed the same amount from my account multiple times causing XXXX chargebacks to negatively affect my account XXXX  times!. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX The email chain attached shows her response that makes no sense, and my response with direct references from her signed contract that clearly states NO REFUNDS for any reason post delivery, she is just unhappy with the price it will cost for her to construct the design she directed us to make. 
The email below is starting from the most recent reply and going backways. 

I am also including the text message receipts of delivery of services. 
Also you can click on THIS LINK XXXX XXXX XXXXXXXX XXXX To actually see the project that we delivered and how much work and time was involved. 

I have ben waiting for over XXXX and a half months now for a resolution.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am writing to you to express my deep dissatisfaction with the permanent limitation placed on my PayPal account . I strongly believe that this limitation has been placed in error, and I would like to appeal this decision. 

Firstly, I would like to assert that I have not violated any PayPal policies. I have always conducted myself in a lawful and ethical manner when using your platform. I take great care to ensure that all of my transactions are legitimate and comply with all relevant laws and regulations. 

I understand that PayPal has strict policies in place to prevent fraudulent activity, but I assure you that I have not engaged in any such behavior. I have always used my PayPal account in good faith and have never intentionally violated any of your policies. 

Therefore, I would like to request that PayPal re-investigate my case and restore my account if possible. I believe that a mistake has been made, and I am hopeful that a thorough review of my account will prove my innocence. 

I would like to take this opportunity to provide my email address, which is XXXX. I kindly request that you contact me at this address to provide me with any updates on the status of my appeal. 

I thank you for your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX of XX/XX/XXXX-XX/XX/XXXX credit usage is not being reported correctly. I've tried several times to get this matter corrected by calling the bank and the credit bureaus but no success. Also all three bureaus are reporting different I would like all 3 to be reporting the same. Can someone please help me
Product: Credit reporting or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ), Account name : XXXX XXXX XXXXXX/XX/XXXX ) Account name : XXXX XXXX ( XX/XX/XXXX ), Account name : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ), Account name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), Account name : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my information was sold. I applied for a mortgage with my XXXX XXXX XXXX XXXX on the XX/XX/XXXX. Approximately 1hr after. I started getting flooded with emails, texts, phone calls, then eventually, paper mail. It's still going on over 2 months later. During underwriting, XXXX XXXX provided me a copy of my 3 bureau credit report and asked me to explain the inquiries. Since my application with XXXX XXXX on XX/XX/XXXX, there were at least 12-15 inquiries on my report on all XXXX bureaus. I applied at XXXX XXXX on XX/XX/XXXX. That's it. All inquiries afterwards, are fraudulent. I contacted all 3 bureaus, I was told to file a police report. Also their is a inquiry with XXXX on XX/XX/XXXX I did not authorize. I spoke with XXXX, they said they will have it removed. It's still there.
Product: Vehicle loan or lease

I had a car loan through berkshire bank. 
In XXXX before my XXXX payment I bought a vehicle at a dealership and that dealership satisfied my loan with berkshire because I did a trade in. The payment from XXXX was supposed to be sent to me. They automatically charged my again XXXX XXXX. We called them to clear this up. Cancel payments and have a refund sent. Now, ANOTHER month later, they have AGAIN charged my account for a car loan that was satisfied in XXXX. They are not helping me fix this problem and return my money.
Product: Mortgage

Our mortgage are consistently late. This month we received our statement on XX/XX/XXXX and we put the check in the mail day. We also called truist and informed them of it. We have called them multiple times about this issue. When we got XX/XX/XXXX statement we saw that they had processed the payment on XX/XX/XXXX making our payment one day late payments are actually die on the XX/XX/XXXX and late by the XX/XX/XXXX. So now they are charging us {$50.00} late fee even though it is their fault and they were informed of the situation they said that they were unable to reverse the late fee and they had to turn it over to a supervisor and they would call back. We have called and called. They keep saying that they will call us back but we have yet to receive a call.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received a letter from XXXX XXXX stating they had investigated an inquiry made by one of their clients, XXXX XXXX XXXX XXXX XXXX, about my credit worthiness. In the letter they included from XXXX XXXX XXXX, the branch manager states that my credit was pulled on XX/XX/2018 to see if I qualified for some kind of home improvement loan for {$20000.00}. XXXX XXXX failed to show any type of physical proof for my application for such a loan such as a credit application, or even a document showing that I had given my permission for them to run a credit check for such a loan. This inquiry was definitely not initiated by me, the consumer, and I want XXXX XXXX to remove the hard inquiry from all 3 of the credit bureaus, ( XXXX, TransUnion, XXXX ) at once because this demonstrates a defamation of my financial character and willful negligence to damage my credit score under the laws of the FCRA.
Product: Student loan

I have a Borrowers Defense case and I am apart of the class action lawsuit XXXX XXXX XXXX My student loans are consolidated and are supposed to be forgiven. I noticed Mohela only forgave some of my loans. They have not responded to my complaints.
Product: Credit reporting or other personal consumer reports

i found out that my cousin used my infortmation to obtain goods and services without my knowledge. i tried following the instructions of the bureaus but it hasnt worked
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report are still showing inaccuracies ' also stated to them that i never opened any of these accounts not only but also i let them know i was incarcerated at the time these accounts were opened. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
LVNV FUNDING LLC Date Opened XX/XX/2022 Balance {$250.00} LVNV FUNDING LLC Date Opened XX/XX/2022 Balance {$780.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX opened in XX/XX/XXXX and paid in full via debt collectors, several years ago, after the statute of limitation already allowed for this debt to be canceled, has all of the sudden been reported XX/XX/XXXX why now?

Ive been working hard to improve my credit score and now this appears out of the blue to damage it. Doesnt it seem very suspicious?

Thanks for your attention!

This has been paid in full at least 5-10 years ago, unknowingly after the statute of  limitations made it unnecessary, through a debt collector : XXXX XXXX Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$4700.00} Term -- Monthly Payment {$5400.00} Responsibility Individual Account. 
Balance {$5400.00} Highest Balance {$6900.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$5100.00} Times 30/60/90 Days Late 1/1/3 Remarks Charged off account Account closed by credit grantor
Product: Mortgage

Got a mortgage loan through Franklin American Mortgage Company. Original and very first statement on XXXX/XXXX/2016 for the amount {$1200.00}, which i already paid check number XXXX, enclosing copy check from the bank, and it was showing cashed clearly. 
and on XXXX/XXXX/2016 i received a new mortgage statement. I did write several letter, faxed, and even called all of my documenations to them inquired about the check # XXXX for the amount of {$1200.00}. Because i do n't this check was credited anywhere on my account ... However, Franklin American Mortgage Company did not answer nor responding to my inquired letter, and my issues still not resolved up to today ...
Product: Student loan

I cosigned for my daughters Student XXXX loan when she was attending XXXX XXXX in XXXX, NY back in XXXX. Back then it was positioned as " The Student XXXX Loan is a flexible, private education loan sponsored by XXXX XXXX that compliments the XXXX XXXX XXXX XXXX '' Very misleading. 

They are far from flexible. The loan amount was {$24000.00} at the time. Her current balance is {$23000.00} after 12 years of paying approximately {$240.00} per month. She can not take me off the loan as a cosigner, she can not make extra payments. She wants out but has to pay the full amount of {$58000.00} minus what was paid to do so. She has had problems in the past making payments and we both get numerous calls and threats. As well, my credit rating went down when she missed payments, and they used that to threaten me when she was behind in a payment, so I could make the payment on her behalf. She was also charged late fees. 

Is there a class action suit that she is covered by? I am looking for guidance, without having to go to a lawyer on her behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my XXXX id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to update the information in my Credit reports. All of the three accounts were in the XXXX  XXXX bankruptcy. I called them a week ago and provided them with the attorneys name and case number. I have disputed at least three times.