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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item was taken off of all three bureaus under a different name, XXXX. It has been taken off of XXXX and XXXX. XXXX XXXX XXXX Account number XXXX. It is back after Transunion took it off before after I filed a complaint.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding a charged-off account that continues to be reported on my credit report despite qualifying as income under IRS guidelines XXXX The reporting of this account without the issuance of a 1099-C form is both misleading and a violation of my rights under federal law. 

Background The account in question was charged off by the creditor, which legally classifies the balance as canceled debt and, therefore, taxable income under the Internal Revenue Code ( IRC ) 6050P. According to this provision, creditors must issue a 1099-C form for canceled debts exceeding {$600.00}, allowing the debtor to report it as income to the IRS. However, I have not received a 1099-C for this account, yet the creditor continues to report the balance to the credit reporting agencies as an active charge-off. 

Legal Basis for Complaint Violation of IRC 6050P : The Internal Revenue Code mandates that creditors report canceled debts exceeding {$600.00} 10 the IRS and provide the debtor with a 1099-C form. The failure to issue this form not only prevents me from properly reporting my taxable income but also raises concerns about the creditor 's adherence to federal law.

Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ) : Creditors and finishers are obligated to report accurate information to credit reporting agencies. Reporting a charged-off account as delinquent without issuing the legally required 1099-C creates an inconsistency between the IRS classification and the creditor 's reporting practices, constituting inaccurate reporting under the FERA.

Consumer Financial Protection Act ( CERA ) 1038 ( a ) 1X8 ) It is considered an unfair, deceptive, or abusive act or practice ( UBAAP ) to report a charged-off account as collectible and delinquent when it should be classified as income and documented through a 1099-C
Product: Money transfer, virtual currency, or money service

My financial institution and Zelle failed to investigate my claims adequately.
Product: Credit reporting or other personal consumer reports

Today, I checked my credit report and noticed that there's an inquiry that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me XXXX.
Product: Credit card or prepaid card

I have several cashback offers applied to 3 of my Amex cards, all of a sudden this week American Express is having issues properly credited my account for what is owed. Concurrently, there is one particular offer for a XXXX XXXX they are claiming I made too late. The offer expired on XX/XX/XXXX. I made the purchase on XX/XX/XXXX, well before the expiration of the offer. XXXX hit my card and it appeared as pending on that date, then the charge disappeared from my account, then reappeared on XXXX, a full 5 days AFTER I received the order. This is a gimmick and game being played to avoid paying the commission. I am owed 10 % of that purchase. I followed the rules. Additionally, there are 3 other cashback offers that Amex all of a sudden is having issues with properly crediting
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, these items that is on my credit I did not authorize.

this is very stressful I cant understand how this happen to me. I work very hard not to even use my credit. I need to put a lock on my credit files
Product: Mortgage

Security service Federal credit Union falsely advertises XXXX year interest only ARM HELOC. However, small fine print, it is only an XXXX year ARM and all of the documents XXXX pages long is the fact that is actually a XXXX year arm, and then it goes to prime rate. So they have basically made it so that I have to sell my house at this point. And I will be homeless as a single mother and XXXX veteran. when I tried to call and get a Forbearance, they said that they would still report me to my credit company every month and make it so that I had late payments, even if I was in forbearance. They didnt run any income for this HELOC. And they also misrepresented the HELOC. I am a XXXX  and I know better than to sign a XXXX year ARM loan. I would have never done this had I known. Now I will be selling and go less with XXXX XXXX. This is misleading lender practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL XXXX XX/XX/year> Hey Credit Transunion, I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation or the tair credit reporting act. 

Account XXXX : XXXX / Account XXXX : XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b Account Name : XXXX / Account Number : XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) Account Name : XXXX / Account Number : XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) Account Name : XXXX / Account Number : XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b Thank you for your time and attention! 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was not done by me. Please remove this from my credit report.
Product: Debt collection

Continued posting to my credit report unde Pinnacle stating I had this debt in XX/XX/XXXX then re aged debt to XX/XX/XXXX, XXXX stated it was fraudulent and then sent letter stating nothing of what they said they would do Both companies XXXX and Pinnacle are ruining my credit. It is the only negative item in my report this is costing me XXXX in trying to buy a home please see below. I need a delete letter from pinnacle Thank you
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED XXXXTRANSUNION CREDIT REPORTING AGENCIES XXXX ALL 3 CREDIT REPORTING AGENCIES TELLS ME I HAVE NO FREEZES, FRAUD ALERTS OR LOCKS ON MY CREDIT REPORT. MY ACCOUNT ONLINE WITH ALL 3 CREDIT REPORTING AGENCIES TELLS ME THE SAME THING : NO FREEZES, FRAUD ALERTS OR LOCKS. WHEN MY BANK TRIES TO RUN A CREDIT REPORT FROM ALL 3 CREDIT REPORTING AGENCIES, IT STATES ON THE BANK 'S SIDE : XXXXFILE FROZEN DUE TO FEDERAL LEGISLATION. THE BANK HAS RUN THE REPORT FOR 7 DAYS STRAIGHT AND THEY ARE GETTING THE SAME ANSWER. I AM TRYING TO GET MY LOAN FOR A LOT. I NEED HELP PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that Experian Credit Bureau continues to incorrectly report on my credit report that over or within the past year ( 12 months ) that Experian continues to list on my report 1 missed payment of which is inaccurate and untrue. I have yet to know the name of the company that Experian is referring to and thereby am having difficulty understanding why they are still listing an account that they are claiming that I have been late or missed a payment with.
Product: Debt collection

I am receiving voicemail messages from a XXXX XXXX XXXX. I look this company up on the Web and there is no such company. But that is not the biggest problem the problem is the messages they are leaving are not leaving enough information one they are not asking who they are looking for two they are not saying who they are collecting on behalf of. According to the federal trade commission they have to comply with not only leaving s messages who they are collecting for and asking for the right person so I am under the impression that they got the wrong phone number and the wrong person.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've both called and sent letters to all 3 credit reporting services ( Experian, XXXX, and XXXX  ). I asked if all 3 companies can remove an account off my credit report that was not mines. I never received a response and its been 68 days. I ask if this account be removed ASAP. 

XXXX Status : Closed Date : XX/XX/2018 Price : {$1500.00}
Product: Debt collection

I never opened this account. I have multiple credit card debt on my report that I never opened. My credit was compromised years back and since then, small credit card accounts that are opened that I did not give
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts XXXX XXXX balance {$19000.00}, XXXX XXXX balance {$520.00}, and XXXX XXXX balance {$350.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX, GC Services Limited Partnership, charged my card in the amount of {$650.00}. This was a debt associated XXXX. I had given XXXX my card number in XX/XX/XXXX. I never provided this entity with permission to charge my card, was never sent information to dispute the debt and without consent they used a card that XXXX had on file that was expired to charge my card. This behavior resulted in me not being able to pay bills and ended my ability to stay with this financial institution. I tried calling them and was hung up on. They reached beyond the scope of the Fair Debt Collections Practices and made up arbitrary rules. They have refused to respond to my inquires. I was not allowed proper rights in this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block , Inc . ) due to inadequate customer service and unfair practices, which violated the consumer financial protection act ( cfpa ). Specifically, Cash App failed to to take timely and effective measures to prevent and adress fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$250.00} with CREDIT CORP SOLUTIONS. I do not have a contract with Credit Corp Solutions and was not provided the original contract with my wet signature and ID verification.
Product: Debt collection

I paid the amount owed on the date XX/XX/2018 The account was completely paid off, but I still receive notifications as if I hadn't. The account is still open in my credit and I contacted the company but they haven't fixed the issue yet.
Product: Credit reporting or other personal consumer reports

XXXX account was taken during my identity theft and funds transfered to creates new account I proved fraud and identity theft with my identity theft restoration XXXX and was assured i was covered but they just closed the account and put a negative mark in my credit report
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

These accounts [ XXXXXXXX XXXX  XXXX ], [ XXXX XXXX XXXX ]. [ XXXXXXXX XXXX  XXXX ]. [ XXXX XXXX XXXXXXXX ], [ XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX ], [ XXXX XXXX  XXXX ] are not complete and accurate. 


And one more thing according to 15 USC 1681s-2 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. 

Check the attachments below.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I received a letter from the CBE Group Inc located at XXXX XXXX XXXX, XXXX XXXX, IA XXXX. Regarding a debt in the amount of {$410.00} from an account with XXXX. I never bought nor sold anything through XXXX. This debt is not mine and the debt collector is threatening to damage my credit and is using aggressive collection tactics. 
The Reference number listed is Reference : XXXX. Their phone number is ( XXXX ) XXXX
Product: Credit card or prepaid card

Im writing to Dispute a Billing Error in the full statement balance of {$3900.00}. Reasons as follows : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.

15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.

18 U.S. Code 8 - Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.

Im requesting a full refund. The obligation again has already been paid by the United States. Please send check to address on this letter. 


Sincerely, XXXX
Product: Student loan

I removed all auto-pay information from Mohela. I was also paid ahead until XXXX. Then they migrated to a new platform but hadn't really removed my auto pay and then charged me {$50.00}. This is an illegal UNAUTHORIZED withdrawal from my bank. I contacted them and they said they would send the {$50.00}... they never did. Then they removed all access from the website where those secure communications were. Mohela is the worst lender I have ever had the misfortune of dealing with.