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

According to the IRS and unpaid charge off is income and according to the fcra income can not be reported on a credit report. I'm requesting a XXXX cancellation of debt from the following charge-off accounts listed below. XXXX  ACCOUNT LISTED ON ATTACHED after checking my most current report the updated information stated the account was purchased by XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the XXXX form PER Arkansas Fair Debt Collection Statute A.C.A. XXXX THE CONTRACT IS TIME BARRED AND SHOULD BE DELETED AS 5 YEARS HAS PASSED FROM XX/XX/year> NO COMMENTS LISTED TO PROVE ACCOUNT HAS BEEN DISPUTED BY ME EITHER. IVE INCUDED DOCUMENTS TO FIND ACCOUNT AND FOR MY IDENTITY. IM ALSO AN IDENTITY THEFT VICTIM AND ACCOUNT IS A ACCOUNT I HAVE REQUESTED TO BE REMOVED AND OR BLOCKED I CANT RECOGNIZE THE ACCOUNT AND HAVE TRIED AND TRIED TO HAVE THEM REMOVE ACCOUNT. THEY CONTINUE TO NOT PROVIDE INFORMATION. I HAVE SUBMITTED PAPERWORK AS LAW REQUIRED AND WILL NOT SUPPLY ANY MORE DOCUMENTS BUT I DO REQUEST FOR THEIR LEGAL CONTATC TO FILE MY SMALL CLAIMS COMPLAINT WITH THE COURTS IN XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX, I disputed information within my consumer report. Transunion refuses to remove the information although sufficient evidence has been provided to remove the disputed accounts.
Product: Debt collection

I am very upset two collections have recently appeared on my credit report under my name.l that I am unaware of. These debts are unfamiliar to me, and I have not received any written notice or communication regarding them. 

Please note that I am unaware of these debts, and I do not believe they belong to me. To validate these claims, I request that you provide evidence of a contract bearing my handwritten signature. If you are unable to provide this documentation, I kindly ask that you remove both collections from my credit report within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX through XXXX XXXX I was XXXX  due to XXXX and XXXX XXXX. Have a XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. In the past requested paper billing but it never happened. Due to my condition someone was taking care of my bills and was not aware of this bill as it was online access only, when I became able I checked my accounts and found this to be months delinquent. I immediately began making payments to pay it off. It has been XXXX for a while now and they have frozen the card. When I had called to explain the situation about my condition that had no concern about my health just when I would make an additional payment to pay it off. They advertise about how caring and empathetic they are about XXXX, nothing could be further from the truth. Had no knowledge that a business card was even tied to me personally, I take care of all my obligations and had excellent credit, now its damaged as a result of hardship and XXXX XXXX only concern is about getting paid. 
I have two other XXXX XXXX accounts in good standing, never been late and both open for a period of time.
Product: Credit reporting 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 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 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts 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 which 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 XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00}
Product: Money transfer, virtual currency, or money service

Reported XXXX. The person was very agitated, but did put XXXX fraud claims in. I got a letter a few days later they couldnt get a reply case closed. I called back and another person opened a new claim # XXXX never heard anything. I called today, they said case closed. The other bank did not respond. I received a letter which I never did. I was sending wire transfers to do stock trading, but I was scammed out of all my money. 
XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX Because they save me unfit and they are registered with the XXXX XXXX XXXX under their CRM code I feel they should reimburse me.
Product: Debt collection

XXXX XXXX Account # : XXXX. 

Mailed XXXX XXXX their equipment on XX/XX/2019. USPS tracking # XXXX XXXX XXXX XXXX XXXX. 

Item marked, " Delivered to return agent. '' as of XX/XX/2019 XXXX NC. 

XXXX XXXX has filed a negative/deragatory " mark '' on my credit report as delinquent/unpaid debt for equipment that was returned months ago.
Product: Debt collection

SCA Collections XXXX XXXX I attempted to call and pay a debt but was then informed I had debts that do not exist that I had to pay. All for things I never heard of or was a party of.
Product: Student loan

In XX/XX/2018 I sent in paperwork to recertify my IBR Payment Plan. 
In XX/XX/2018 I was rejected because my income had risen too high. 
In XX/XX/2018 I resubmitted for a new payment plan that I did qualify for ( ICR ). 
In XX/XX/2018 they charged me with {$4000.00} worth of interest capitalization because I changed plan types. 

I changed plan types because I had NO CHOICE. Also the process to getting there was driven by what I was told and advised at FedLoan Servicing. They are essentially penalizing me for being forced to change plans and for being more successful? It is WRONG. That should NOT happen. I pay my loans on time and consistently. There is no reason I should be penalized with {$4000.00} of interest for a choice out of my hands and because I have worked hard to make more money so I can build a life and have a family.
Product: Credit card or prepaid card

I recieved an email at XXXX today from bluebird Amex that I violated terms and my account was permanently suspended I have money on that card and a {$7000.00} give or take tax refund being sent if it hasnt already reached my account. Ive been hung up on and cant get any answer out of them. Ive gone over the terms and I havent violated them. I havent even used the card. Their wevsite was down and I tried logging in unknowledged that the website was down and then recieved this email. I want my money back theres almost {$8000.00} on that card and soon will be another {$2800.00} in stimulus that Ill never receive.
Product: Checking or savings account

MoneyLion chooses not to follow EFTA federal law. On XX/XX/2020 tried to withdraw {$120.00} at atm. ATM showed message on screen ( as best as I remember ) saying error contact your bank or card issuer. I received {$0.00} ( XXXX/nothing ) of the {$120.00}. However it still was deducted from balance. This happened to me once before and that time it was corrected quickly itself. So I waited before contacted MoneyLion in hopes it would resolve itself again. But it didnt therefore I filed a dispute claim on XX/XX/2020 by phone then per MoneyLions request signed & completed their dispute form and sent via email on XXXX XXXX. On XX/XX/XXXX and XX/XX/XXXX sent numerous emails asking for update and asking why if not claim wasnt completed why I hadnt received a provisional credit after 10 days per EFTA federal law? But never once received an response back. Called on XXXX XXXX and 1st representative repeatedly said Id receive a provisional credit on XXXX XXXX. No help. Called back and asked to speak to a supervisor but representative said she needed know why before speaking to a supervisor. Explained everything. Representative said same thing as 1st representative but she stated I wasnt eligible for provisional until XX/XX/XXXX ( Ive had this account for 4 months so I wasnt a new account ). I asked why MoneyLion wasnt following EFTA federal law? Representative only repeated herself about not being eligible till XX/XX/XXXX. I never spoke to a supervisor and hung up on representative out of frustration and anger. This is an atm error. So now I cant pay my electric bill which was due over 2 months ago! Very disappointed with MoneyLion.
Product: Credit card or prepaid card

None of the options presented to describe my issue, actually fit the issue. Comenity has been down for weeks now. They claim their systems are up and running, but I am unable to get into my account. Ive spent hours on hold with them only to eventually be disconnected by them. When a rep does access my account they claim they can view my account but are unable to make any changes. They tell me to call back, or transfer me to a number that goes nowhere, and once just disconnected my call without provocation. I am unable to pay via easy pay, automated pay or any other pay options. 

There is currently over {$500.00} in fraudulent charges on my account that have appeared since this planned system upgrade. Comenity even recognized these transactions as fraud because it triggered their automated fraud system. I immediately reported this to their fraud department, within minutes of the transactions. Their fraud department claims they will refund the amount but hasnt as of yet and that conversation happened 10 days ago. My bill is due today and I have no way of paying the amount that I personally owe from the 2 charges I actually made. In 3 days, they will report erroneous information to the credit bureau despite my numerous attempts to pay them over the past 14 days, and attempts to resolve the fraudulent purchase over the past 11 days.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a ti
mely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Equifax Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Keinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report : 1.

Under the FCRA, you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in connection with the CFPB complaints filed against XXXX, XXXX, and XXXX on XX/XX/2020 Complaint numbers XXXX, XXXX, and XXXX for failure to provide proper documentation of a Wet Ink Signature contract with DISCOVER to validate the account reporting is accurate and confirmation there is a legal obligation to this company DISCOVER. I complaint was also filed against DISCOVER by the XXXX XXXX XXXX Complaint #  XXXX for lack of professionalism, lack of full disclosure, and failure to provide Wet Ink Signature signed contracts to the Credit Bureaus or myself per section 609 of the Fair Credit Reporting Act. 

This particular complaint is because DISCOVER has not only violated section 609 of the Fair Credit Reporting Act but is now violating section 623 of the Fair Credit Reporting Act and Section 807 for Failure to Communicate that the alleged debt is disputed. 

As of Today XX/XX/2020, DISCOVER continues to report erroneous subterfuge on my person 's commercial credit report while under dispute. This is not only violations of FCRA, FDCPA, but Title 18 USC Fraud as well. The blatant disregard for Federal Law that DISCOVER is willingly choosing to ignore to violate my rights is causing me harm through my person which I may have to pursue legal action against them for Lack of Full Disclosure, Perjury, and Fraud with Scienter. I am keeping these records of communications in case I have to sue DISCOVER for willful non-compliance of Federal Law and violations of rights which will not only include {$1000.00} USD per inaccurate invalidated account but also {$10000.00} USD for every violation of Title 18. Please see attached screenshots for proof that DISCOVER is still  reporting negatively without providing any contracts of proper documentation while under dispute. 

As stated by Attorney XXXX XXXX XXXX, of the FEDERAL TRADE COMMISSION, a printout of a bill or itemized document does not constitution verification. Also, without proper Wet Ink Signature contracts per section 609 FCRA, it is impossible to determine if the partial account numbers reported to the Credit Bureau 's are in fact accurate or not. Please see attached evidence per XXXX XXXX notifications that this company is still reporting while under investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a notification from XXXX XXXX XXXX XXXX and the balance that is owed is less than the amount shown on my credit report. I filed disputes in the past regarding this account and everything came back accurate. Also this lender opened this charged off account multiple times causing my credit score to drop. When they reopened the account with XXXX, it added more than {$17000.00} to my open accounts balance damaging my score. I believe this company may have broken the 15 U.S. Code 1692 e 2 ( a ) and 9. Which states 2 ( a ) The false representation of ( A ) the character, amount, or legal status of any debt. And 9 which states The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. The lender must have given, you, the credit bureaus written verification of this debt showing the the amount and accurate dates which have been inaccurate for the past 4 to 5 years. Also the company created a false representation of the amounts due and the date the account was closed. Theres multiple errors with this account and they havent been resolved over the years. In addition to this, the last balance due on the transaction report the lender provided me is {$15000.00} on XX/XX/XXXX yet I received an email XXXX XXXX, XXXX stating I owed {$17000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I wanted my equifax n XXXX  updated correctly idk if do to covid 19. I am an authorized user on following 3 cards which I will show pictures from XXXX  for some odd reason I been going around in circles to get my accurate credit score with this information on it. I am also on a XXXX card that hasnt reported. I been using to help a family member get there grocery 's and improve my credit same time using it and paying off each month. Any questions or problems please call me
Product: Money transfer, virtual currency, or money service

Date : XX/XX/2022 Around XXXX XXXX  EDT Amount : XXXX Incident : At the time incident happened, I and my girlfriend were stopped at a crossing and waiting for the traffic light. Some street gang approached our vehicle and scrub my windshield and asked for money. At that time I refused to accept any service, but they ignore my sign and scrubbed the windshield. After that they asked me for money, I explicitly said I don't have money and don't want to give them anything, and they forcibly took away my phone without my permission, and opened the Bank of America App and used the built-in XXXX app transferred XXXX to a stranger 's account. 

The phone was unlocked at that time and I did not give any passcode to them. They used face ID to pass the BofA app lock. They flashed my phone in front of my face, again I did not touch my phone and no passcode was given during the whole process. 

XXXX is also the daily limitation of BofA XXXX transfer. 

After doing so they gave me back my phone. I did not fight back due to concern for my personal safety, but I called the police immediately after this incident. Police responded to my request very quickly and captured those gangs. Now the defendant is waiting for a trial. 

I contacted BofA immediately and notified them I experienced a robbery, but after investigation, they decided this transfer was initialed from my routine device, so the money won't be given back. 

Thank you
Product: Mortgage

RE : Loan Number XXXX Hi I have spoken about this matter with myloancare and XXXX XXXX   many times with the their agents over the phone. In which all agreed that that there a mistake on their end and promised to fix. However, never got fixed. 
The issue that I only owe XXXX, XXXX, XXXX, and XXXX in which should amount to ( XXXX = {$9700.00} ) however, you system gives that I owe a {$12000.00} in which is {$3200.00} over what I owe. Such amount of {$3200.00} does not make any sense whatsoever. 
Again and Again and I repeatedly ask them to fix, it has been months and month of XXXX XXXX. Such XXXX  has effected my health, and work, and my physical shape. Also, the web site gives me an other number of {$15000.00}, this only to add to the XXXX  further more. Again I ask them to fix such as well. In addition, the web site doesnt allow me to do any payments in which also adds to the stress this string of actions taken by them. I ask to give me the equal opportunity as other to pay online, please fix all accounts ( web and their record ). 
Also, please note, it is very XXXX  to call bank, as I have faced multiple times of disconnect while waiting for a long time to speak to someone. When I speak to someone, I have to transferred to someone else where I face a disconnect. This adds to the stress Thanks XXXX XXXX
Product: Credit reporting 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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2025 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: Student loan

Nelnet sent me a letter on the behalf of XXXX and the department of education letting me know that I qualify for the XXXX XXXX XXXXXXXX discharge of my federal student loans. XXXX discharged means that the remaining balance of my loans will be forgiven.