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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

On XX/XX/XXXX, I called FedLoan and processed a request for a refund ( eligible under the CARES Act ) for XXXX federal student loans paid off in full : - {$1000.00} paid off on XX/XX/XXXX - {$1000.00} paid off on XX/XX/XXXX A FedLoan representative informed me that the refund could take an estimated 2-5 months, and said that the money would be sent to me by checks in the XXXX Mail XXXX 

On XX/XX/XXXX, I called FedLoan to request to cancel the refund that I had processed on XX/XX/XXXX, out of fear that the checks being sent to me in the mail would be stolen ( I live in a city that is currently experiencing an unprecedented amount of check theft in the mail ), and with the additional knowledge that the payments I made would now be automatically refund by XXXX XXXX student loan forgiveness program. The FedLoan representative I spoke with informed me that they could do nothing for me, as they had transferred my account to a new servicer, XXXX, and directed me to call XXXX in order to process my request for a cancellation of the refund. 

On XX/XX/XXXX, I called XXXX and requested a cancellation of the refund of the {$2000.00} in student loans that I had earlier filed with FedLoan Servicing. The XXXX representative I spoke with informed me that they could not process my request for a cancellation of the refund because they had not yet received a record from FedLoan Servicing of my payments made. The representative said that they ought to receive my records from FedLoan Servicing in 2-3 weeks and recommended that I call back in XXXX weeks to check. They assured me that we could process the cancellation of the refund at that time. 

On XX/XX/XXXX, I called XXXX and requested a cancellation of my refund. The representative said XXXX still hasn't received any information about my old loans from Fedloan, and said it may be a month or more before they receive it. 

As of XX/XX/XXXX, XXXX still has not received any information from FedLoan servicing about my history of payments.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an entry on my credit report associated with XXXX XXXX XXXX. The account in question reflects a " charge-off '' status, and I believe this entry is inaccurate and must be removed under federal and state laws, as outlined below. 
According to my understanding, when XXXX XXXX XXXX issued a charge-off, they declared the debt as a profit or loss for their accounting purposes. In such cases, the creditor is required to issue a Form 1099-C ( Cancellation of Debt ) to the debtor if the amount forgiven exceeds {$600.00}, as per the Internal Revenue Code Section 6050P. However, I have never received a 1099-C form from XXXX XXXX XXXX. The absence of this document suggests that no true cancellation of debt occurred or that the reporting requirements were not followed. 
Furthermore, under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, it is mandated that information reported to credit bureaus must be accurate, complete, and verifiable. Since XXXX XXXX XXXX has not provided a 1099-C, the charge-off entry on my credit report can not be considered accurate or complete.

Additionally, some state laws require creditors to notify consumers of their intent to report charge-offs to credit reporting agencies and to ensure proper documentation of any debt cancellations. Given that no 1099-C has been issued, this entry may also violate relevant state laws concerning accurate debt reporting. 
I kindly request that TransUnion investigate this matter promptly. Specifically, please contact XXXX XXXX XXXX to verify the validity of the charge-off entry and request proof of the issuance of a 1099-C. If XXXX XXXX XXXX can not provide the required documentation, I urge TransUnion to remove this inaccurate entry from my credit report. 
As per the FCRA, I expect a resolution to this dispute within the legally mandated 30-day period.

Please notify me of the results of your investigation in writing.

I have attached a copy of my credit report highlighting the disputed entry, along with copies of my identification and proof of address, to facilitate your investigation.

Thank you for your prompt attention to this matter. I look forward to your confirmation of receipt of this dispute and a thorough resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account ASAP XXXX XXXX XXXX XXXX   XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 our joint-checking account was robbed of {$3500.00} in three separate transactions. This account belongs to my XXXX son and myself. 
My son was away at college for the first time and received a call from the bank, or so he thought ... .the caller id on his phone showed " Bank of America '' so being young and inexperienced in dealing with such issues he proceeded to follow the instructions given by the caller. They first told him they were just confirming that he made 3 separate XXXX payments ( {$1600.00}, {$900.00}, {$1000.00} ) that were waiting for authorization to which he responded that he absolutely did not! So they proceeded with ok glad we called to check but to make sure you are not charged these withdrawals we need you to send the same amounts to a different number which will then go directly back into your account. I realize this is not something that an experienced adult would do but he had no way of knowing it was a scam, after all the caller id said " Bank of America ''! I have been trying to have Bank of America help us with this matter since XXXX of XXXX, I have filed multiple complaints, and gotten nowhere ( case number XXXX ). Also my son filed a police report right after it happened and I can not get through to anyone at XXXX. I am at a loss now of what else can be done. This was his college money and we are devastated to say the least.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a report from XXXX and they do not remove any of the fraudulent items that were fraudulent after calling in 9 times they told me not to call back anymore and because they can't do anything but the fraudulent items are still ruining my credit
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/2022 I called Bridgecrest to request an extension on both of my vehicles due to not having a job.I have been an outstanding paying customer, no late payments and this is my first time requesting something like this. At first I was told I had to pay half on each vehicle and again I explained I don't have a job! So I called back on the XXXX of XXXX and spoke with someone else and that representative put in a request for a one month extension which isn't a month because a payment is due XX/XX/XXXX and XXXX! 

I keep getting harassing phone calls daily from the company to the point I am lashing out because I'm requesting help and they are ignoring the request which has still not been approved. I promised to pay XX/XX/XXXX and XXXX and I truly believe they are waiting for me to pay instead of granting me an extension. Which will cause a missed payment for the month of XXXX to be reported on my credit report. I've never known a decision to take almost a month.
Product: Credit reporting or other personal consumer reports

On my XXXX Credit report, XXXX companies are reporting a debt that has been paid off or charged off. Any creditor that has paid off, closed, or charged off any debt MUST by law send me a XXXX form, as this charge off is considered income. Not only did I NOT receive a XXXX from any of the following companies, they are still showing on my credit report, which is illegal to report income on any credit report. The XXXX companies are as follows : XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX  XXXX/ XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX companies are in violation of federal law and have each commited a felony by reporting a charged off account on my credit report, which is considered income, and they did NOT send me a XXXX form. 

Additionally there was a data breach and I have had to place a fraud alert on my Experian account because there are A LOT of inquiries that I did NOT authorize, including XXXX hard inquiries. Under 15 USC 1681 these too should be removed because of this data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Product: Debt collection

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX, Iowa XXXX RE : CBE Group Churning Consumers Credit Reports This is regarding an issue with CBE Group and what appears to be a deceptive tactic of churning consumers credit reporting while ignoring requests to provide backup or even original invoices of their claim. 

It appears that there is a systemic tactic CBE Group engages in through the following experience : 1. The noted collection company issues a claim that shows on my credit report in XXXX. 
2. I believe most consumers pay the trivial amount chalking it up to an oversight, however, in my case the claim was over {$1700.00} so I disputed the claim, requested backup details from the collection company, requested backup details from the creditor. 
4. I receive no response as expected since there were no dealings with the creditor for literally years further believing the claim is suspect. 
5. However, I am somewhat satisfied when the claim subsequently dropped from the my credit report in XXXX. 
6. Approximately 90 days later, in the spring of XXXX a new claim appears with the suspect date of the previous month. It is with the same creditor as in XXXX and is presented by CBE Group with an original date less than 30 days prior to their posting on my credit report. The amount appears to be slightly different than the one addressed 90 days prior. 
7. I disputed this claim as I did the first one, requested backup details from the collection company, and requested backup details from the creditor. 
8. Again, I receive no response as expected since there were no dealings with the creditor within the previous year. 
9. Again, I am somewhat satisfied when the claim subsequently dropped from my credit report in spring XXXX. 
10. CBE Group has deployed this process on me personally now for the third time this year as recently as XXXX, XXXX showing a new claim on my credit report while Ive disputed this since the fall of XXXX. 
11. The tactic shortcuts their having to provide any details or backup information on the debt and by refreshing the claim dates they are churning my credit report which likely takes much less effort. 

This process for me is approaching 2 years while they are presenting it as a last month occurrence. 

This could be explained away as an oversight or clerical error. However, the fact that theyve deployed this process three times this year shows its more than a one off occurrence and more of a systemic tactic deployed to deceive the credit reporting agencies at the expense of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I sent a letter requesting copy of my signature to verify ownership of loan sent out certified copy. 
XX/XX/2020 They received the letter. I also copied my credit report same day. 
XX/XX/2020 I received a letter from XXXX XXXX XXXX, that showed a copy of a consumer loan application with my name typed on it but no signatures that I had asked for. 
XX/XX/2020 I sent out Letter Number 2A asking again for verification of account with a signature and mailed it out on same day certified. 
XX/XX/2020 They received the letter. 
XX/XX/2020 I copied my credit report and they have not marked in comments that this account is being disputed by consumer which is in violation of FCRA XX/XX/2020 XXXX marked my account as collection/chargeoff and is still not marked as disputed
Product: Debt collection

National Credit Systems continues to unlawfully collect on a debt that is not owed and belongs to a deceased Veteran. The Department of Veterans Affairs has barred the collection of this frivolous debt. This money is a security bond that is owed to the estates heirs of the Veteran descendant by the leasing company that contracted national credit systems.
Product: Mortgage

Our mortgage company failed to provide us with our 1098 tax forms on time. When I called they said they failed to generate one for us. They told us the execution date would be XX/XX/2022 for that form. We still have not received our tax forms. We have had to file an extension due to this. I have included a photo on the most recent date of log in to our mortgage company showing we still do not show any tax documents being generated. 

The company is Flagstar Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In correspondence dated  XXXX  -2017 I mail ed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.     Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
Product: Debt collection

We received a letter from Select Portfolio Servicing , Inc. dated XXXX XXXX, 2015 which is an invitation to a Free Homeownership Preservation Event at XXXX in XXXX, NY. We will not be attending the event. We are not a customer of Select Portfolio Servicing and deny any contractual or other relationship with your organization. 

As SPS knows or should know, we have written previously informing SPS that there is no delinquency. We have disputed the debt -- as well as the authority of SPS to act in any capacity in regard to the alleged account number they reference. 

We have disputed this debt ; therefore, until affirmatively validated, SPS knows or should know their information concerning this alleged debt is inaccurate. Thus, since they have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, they must immediately inform them of our dispute with this debt. We have received a copy of such report from Experian where SPS still lists the debt as a mortgage debt. Reporting information that SPS knows to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act1681s-2. 
SPS continues to persist in pursuing collection efforts without validating this debt, we are herewith informing SPS of another complaint that will be filed with the Consumer Financial Protection Bureau based on their failure to comply with the FDCPA, Section 809. 

SPS has admitted that it is not the servicer of this account or any account in connection with us ; that it is only attempting to collect an alleged debt based on " servicing rights '' ; that SPS has made contractual arrangements with other parties for their own profit ; that SPS has harassed us and continues to harass us ; that SPS has not proved and is unable to prove that we owe any debt.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion, one of the major credit reporting agencies, for failing to properly address my dispute regarding inaccuracies on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

On XX/XX/year>, I submitted a written dispute ( file number : XXXX ) to TransUnion requesting the correction of my legal name and the removal of information associated with an incorrect name, XXXX XXXX XXXX. I included all of the required documentation to verify my identity and prove the accuracy of my claim. Specifically, I enclosed : XXXX. A copy of my Social Security card.

2. A copy of my drivers license.

3. A copy of my birth certificate.

4. A recent utility bill as proof of address.

Despite providing this extensive documentation, I received a response from TransUnion dated XX/XX/year>, claiming that I needed to submit additional identity verification documents, which I had already provided. ( This was also not the only credit bureau that I sent this letter to, XXXX was able to complete the request using the information sent in by me. ) This is clearly a stall tactic and a failure to fulfill their obligations under the FCRA. 

Violations of the FCRA 1. Failure to Properly Investigate Disputes : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable investigation of disputes. Instead of conducting a proper investigation, TransUnion has chosen to stall and request duplicate documentation.

2. Failure to Correct or Remove Inaccurate Information : The FCRA requires that inaccurate or unverifiable information must be corrected or removed within 30 days. XXXX actions appear to be an attempt to avoid compliance with this requirement. 
XXXX. Unfair Practices : XXXX refusal to acknowledge the documentation I submitted demonstrates an intentional disregard for my rights under the FCRA. 

I have attached copies of the original dispute I sent to TransUnion, the supporting documentation, and their inadequate response for your reference. 

Conclusion : XXXX actions have caused unnecessary delays and stress, and their refusal to address this issue in good faith violates federal law. I trust the CFPB will intervene to hold TransUnion accountable and protect my rights as a consumer. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures : 1. Copy of the original dispute letter sent to TransUnion 2. Copies of all supporting documents ( SSN card, drivers license, birth certificate, utility bill ) 3. Copy of TransUnions response dated XX/XX/year> 2025
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX BANK XX/XX/XXXX XXXX CO XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt
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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX # XXXX, Account name : 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 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: Money transfer, virtual currency, or money service

I initiated a domestic wire transfer of {$25000.00} from my Discover Bank saving account to my recipient 's XXXXXXXX XXXX account on XX/XX/2024. Federal Tracking Number : XXXX. My recipient ( my family, a trusted person ) never gets the money so I called Discover Bank multiple times. 

On XX/XX/XXXX, a Discover Bank wire specialist confirmed that the wire was rejected by XXXXXXXX XXXX on XX/XX/XXXX. I asked Discover to request the trace of wire from XXXX to know where the money is. On the same day, my recipient also checked with XXXX and confirmed the wire was rejected on XX/XX/XXXX. XXXX claimed that XXXXXXXX XXXX sent money back, and provided my recipient with the XXXX XXXX XXXX : XXXX for tracking. 

On XX/XX/XXXX, I asked Discover to start the recall/dispute process, with all the information above provided to the Discover dispute team to investigate where the money is. 

During XXXX XXXX. I made several calls to Discover, but not a single update info was available to me. The Discover specialist told me ( XX/XX/XXXX ) that the request for trace from XXXX should be responded within 5 business days. In addition, Discover also told me ( XX/XX/XXXX ) that Discover should be hearing back from the Federal Treasury about the progress of the refund within 5 business days. They made no progress for 2 weeks or they don't want to share with me.