23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I co-signed a student loan for $ XXXX for my daughter that originated from XXXX and subsequently sold to Discover ( we never received any notice of this takeover ). 
After the takeover neither my daughter nor myself received any statements about loan payments due ; then earlier this year Discover started sending notices the loan was 6 months past due and also started the negative reporting to the credit bureaus ( XXXX, XXXX, etc. ). Due to the ineptness of Discover my credit numbers have taken a nosedive by approximately XXXX points. Is the penalty against Discover cover anything about restoring my credit numbers? If so how much time are they allowed to get it corrected? If there is no provision about credit rating restoration why not? Thank you.
Product: Debt collection

There is a debt on my credit report ADVANCED COLLECTION BU that is not mine. I have disputed it several times and they keep saying it is mine but will not provide verifying proof. Unless they show actual doctors records showing I incurred this debt I demand this be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

been a victim of fraud have numerous inquires on my report that was dismissed and then added back years later contacted XXXX and XXXX they asking for another police report ...
Product: Debt collection

Pursuant to Federal Law 15 USC 1692 G, Discover has failed to present the name and address of the original creditor after written notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX STATE EMPLOYEES CRED U 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 I HAVE DISPUTED WITH THESE COMPANIES ABOUT THE FALSE INACCURACIES. ACCORDING TO 15 U.S CODE 1681A ( 2 ) ( B ) THEY HAVE NO PERMISSIBLE EVIDENCE. 
PLEASE REMOVE IMMEDIATELY
Product: Debt collection

They first contacted me with a letter dated XXXX stating that I owed money from a XXXX ( which never sent me a bill because they went out of business and instead just handed its debt to you Accelerated Receivables Management Inc. ). I contacted and worked with someone with the last name XXXX of sending my EOB ( via fax ) and having them review it. I was told on XXXX that my account was closed and I owed you all nothing. 
But some how I got a harassing call on XXXX ( even though they now deny they would talk to me like that ) from some man telling me that I still owed you and that it was n't finished due to my fault. After I explained that I had done all this already, I was told that I never finished it ( stating that the EOB said that it need medical records and I never followed up ) even though the XXXX person told me otherwise ( which the manager said that that person must not have known what they were doing ). I could not continue to deal with this man that was incredibly rude so I asked for a manager and was directed to XXXX XXXX. So I sent the same exact EOB that was sent in XXXX to XXXX XXXX on XXXX the same day. I called back talking to XXXX XXXX on XXXX to see if my EOB had been reviewed. I was informed that it had and that my balance was XXXX and my account would be closed. Feeling deja vu I asked for an email to be sent to me and a letter mailed to me stating that this was all taken care and that you would no longer bother me, she collected my information and told me she could do that. I waited an hour for the email, which never showed, when I called back and talked to XXXX XXXX who rudely told me that you do n't send emails. I requested to speak to a manager ( again XXXX XXXX ) who then told me that they do n't send confirmations that accounts are closed because you do n't have a letterhead for it and that my EOB was my proof I did n't owe anything ( again it was the same exact EOB that was sent in XXXX that I sent again in XXXX, but was n't good enough the first time ). All I have asked them for is some written confirmation that my account is closed with them but they just refuse to give me anything. I have emailed higher ups but no one will respond to me.
Product: Credit reporting

I was in XXXX relationship and got out XX/XX/XXXX. I found out two weeks ago my ex, filed Bankruptcy Charter XXXX. I am and was not on this Bankruptcy. I do not want this to reflect on me, because I do n't think that would be fair for me. I would like to find out if it is on my credit report so it can get remove. Please help me. 
Thank you.
Product: Bank account or service

XX/XX/XXXX I signed up for a Citigold checking account from Citi Bank under a promotional offer of XXXX XXXX XXXX miles. XX/XX/XXXX I sent a secure message to confirm that I met all the promotional requirements for the sign up bonus of XXXX XXXX XXXX miles. A Citi Bank representative XX/XX/XXXX confirmed that I had met all the promotional requirements and should receive the XXXX XXXX miles by XX/XX/XXXX. To this day I still have not received the sign up bonus of XXXX miles from Citi bank. After my first call to Citi Bank XX/XX/XXXX asking why my miles had n't posted they said they would open an investigation. Which they did and I received a letter from Citi Bank stating that in their own investigation they concluded that I had met all promotional requirements and was eligible to receive the XXXX miles. The letter also said all I had to do was call in and add my XXXX XXXX Frequent Flyer number to my Citigold account in order to receive the miles. I have now called in three times to add my frequent flyer number and still have n't received my promotional sign up bonus of XXXX miles. This is extremely annoying since I signed up under the terms of this bonus and now Citi is going back on their offer. It is a complete scam or Citi is just completely inept.
Product: Credit reporting or other personal consumer reports

I purchased a used vehicle that was financed through XXXX XXXX. The vehicle was charged off in XXXX of XXXX by XXXX XXXX, However, XXXXXXXX XXXX continued with threatening collection activities to include threats of repossession of the vehicle all the way through XX/XX/XXXX. 

I never received a 1099c from XXXX XXXX for the charge off that they claimed on my personal credit report which is still showing today XX/XX/XXXX as a charge off on my personal credit report which is impacting my overall FICO score as a result of the incorrect reporting. 

I made an agreement with XXXXXXXX XXXX to pay an agreed upon balance they claimed was still owed on the vehicle although they received a tax credit from the IRS for the written off balance owed on the vehicle. The reason why I made the agreement was because XXXX XXXX continued to threaten collections and repossession of the vehicle until the balance they claim was owed was paid on the vehicle. Therefore I am requesting a 1099c from XXXX XXXX which they were supposed to have provided to me once the account was charged off. 

I paid the agreed upon amount they requested and still had to wait over 4 months from XXXX XXXX to release the title to my vehicle. XXXX XXXX has caused a great deal of stress upon me during my dealing with their customer support and other departments within this past year alone regarding the account. I no longer choose to do any type of business with XXXX XXXX ongoing in the future and at this point, I am requesting a copy of the 1099c from XXXX XXXX that they were supposed to have provided to me once the account was charged off, so that my taxes can be prepared properly. 

Based upon my personal credit report, the account was charged off in XXXX of XXXX, however, XXXX XXXX continued to go after collections on the account through XXXX which resulted in my paying an agreed upon amount to settle the debt that they stated that I still owed on the account, although they received a tax credit from the IRS for the charge off amount on the account.
Product: Credit reporting or other personal consumer reports

Experian failed to meet requirements of 15 usc 1681b permissible purpose I have pictures of my account saying its been locked since XXXX but some how hard inquiries from companies Ive done no business with are literally sitting on my report as Im reading the security lock message, there is a private right of action for negligent or willful noncompliance with 1681s-2 ( b ) of the FCRA. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See attached and explain
Product: Credit reporting or other personal consumer reports

My credit report with Experian is frozen, and I can not apply for any credit including a new credit card. I have tried to log in with the ID and Password I have stored in my notes, but when I try to log in, I can not do so. When I try to enter " Forget Password '' it asks for my birthdate and Social Security number. When I enter these in, I get a message stating " sorry but that didn't '' match up. So I can not log in to unfreeze my credit report. When I try " forgot ID '', I get asked a security question which I never set up with the company. 

I sent a certified letter to Experian about 2 to 3 months ago, explaining the situation. I included all the documentation they requested to get the matter resolved. I recently received a letter back from them with NO resolution, asking me to send in all the same documentation I had sent in previously. The letter also advised me to login and unfreeze my accounts, but I can not login. There is a reference on the letter they sent me report number XXXX XXXX XXXX dated XX/XX/XXXX. I had frozen my credit report in the past for security reasons, but now wish to unfreeze it on a temporary basis, so the credit card company can continue with my application. This company only uses Experian to check their credit. I have enclosed a copy of the message I got online when I tried to look up my password with " forget password '' - I put my correct birthdate as well as my correct Social Security number, however the message I received was that they do not match! It appears that there is something seriously wrong in their system, as the information I entered is correct. I have also enclosed a copy of the letter I received from Experian. 

Would I need to set up a new account from scratch? 
I would like this matter resolved as soon as possible so I can continue with my new credit card application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apparently I had a Pell Grant overpayment in the last semester. XXXX XXXX XXXX did not send any letters to my house whatsoever. All of a sudden, I received a letter from the Department of Education stating that I was defaulted on this over payment. Which Ive never heard of before at all. I tried calling the XXXX business office and the financial Aid office, all they told me was my account is not with XXXX anymore and I need to deal with Dept of ED. Even though I paid the overpayment as soon as I learned about its existence it still got on my credit report. Im asking XXXX to correct the error and remove it from my credit report! 

U S DEPT OF ED/XXXX XXXX US DEPT ED Account XXXX XXXX - XXXX Account Type Installment Account - Installment Account Account Condition Closed - Closed Date Opened XXXX XX/XX/XXXX - XXXX XX/XX/XXXX High Balance {$0.00} - $ 946 Monthly Payment {$0.00} - {$0.00} Account Balance {$0.00} - {$0.00} Last Reported XXXX XX/XX/XXXX - XXXX XX/XX/XXXX Amount Past Due - - - Limit {$0.00} - {$0.00} Remarks - - Responsibility Individual - Individual Past Due - 30 DAYS 0 - 0 Past Due - 60 DAYS 0 - 0 Past Due - 90+ DAYS 0 - 0 The table below represents 24 months of account repayment history
Product: Credit reporting, credit repair services, or other personal consumer reports

As much I appreciate the deletion of some of the disputed acccounts and information that resulted due to identity theft, I am disappointed to see that there are still items left on my Credit File. I am submitting this CFPB Complaint to request that you remove the remaining accounts and information from my Credit File in accordance with the Fair Credit Reporting Act section 605b. I was a victim of identity theft and the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Under the Fair Credit reporting Act section 605b, I an requesting the deletion of the following items : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX  XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$4400.00}. If you found any documentation claiming that the disputed accounts belong to me, I will have to to ask you to send me copies of such documents. If you are unable to provide such documents, immediate deletion of the disputed accounts and information is to be expected.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXX 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 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 personal credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 XXXX 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

XXXX XXXX, 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 Equifax 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 personal credit card account opened at XXXX XXXX on XX/XX/XXXX, Account number ( XXXX ) A secured Loan opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, Account number XXXX. A checking account at XXXX on XX/XX/XXXX, Account number XXXX property agreement at XXXX XXXX on XX/XX/XXXX Account number XXXX. An Collection Opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX Account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and ALL 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, credit repair services, or other personal consumer reports

Unresolved Identity Theft Incident Resulting in Fraudulent Charges and Credit Report Discrepancies Dear CFPB Agents I hope this message finds you well. I am writing to express my deep concern and frustration over fraudulent activity that has adversely impacted my credit report. 

A few months ago, I fell victim to an identity theft incident wherein my XXXX login credentials were stolen and subsequently disseminated on dark web markets. This breach led to unauthorized charges on all the cards linked to my Apple Wallet, including a particularly significant fraudulent charge on my XXXX Credit Card issued by XXXX XXXX. 

The account details for the fraudulent charges are as follows : Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX The total unauthorized charges on this account alone exceeded {$100000.00}. 

Upon discovering these fraudulent activities, I promptly filed reports with both the local police department and the Federal Trade Commission ( FTC ). Copies of these reports were forwarded to the major credit bureaus Experian, XXXX, and XXXX as part of my dispute process. 

Despite my earnest efforts to resolve this issue and numerous disputes submitted, I regret to inform you that these credit bureaus have yet to adequately address my concerns. Not only has their response time significantly exceeded the 30-day period stipulated by law, but I also believe that a thorough investigation into my case has not been carried out. Consequently, the fraudulent XXXX card is still unjustly affecting my credit report. 

Given the severity of this issue, I am now turning to the Consumer Financial Protection Bureau ( CFPB ) in the hope that you can facilitate a proper investigation into this matter. I am keen to get this fraudulent XXXX card removed from my credit report promptly to prevent further damage to my financial wellbeing. 

Thank you for your attention to this pressing issue. I am looking forward to your prompt response and assistance in resolving this matter. 

Yours sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/1976 SS # : XXXX My phone number is ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVY FEDERAL CREDIT UNION Account number : XXXX Balance {$8000.00} Navy Federal has written off the alleged debt of { {$8000.00} } as a charge-off. A Charge off by law is " the writing off of a debt and termination of collection activity without release of personal liability. '' According to the IRS Publication site Navy Federal are to File a 1099c for any amount over { {$600.00} } and send the consumer a copy of the filed form. Also amount would be now considered income for me the consumer and they must remove this account from my credit report. The CRAs can not report income, the can only report debt. I want this matter investigated immediately. I will not hesitate to reach out to the IRS and XXXX to do an investigation. 



THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 15 U.S. Code 1681C-2- a consumer reporting agency shall block the reporting of 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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

XX/XX/XXXX, Midwest Recovery Systems hit all 3 Credit agencies for the amount of XXXX. They are stating the original lender is XXXX XXXX XXXX. There has never been any notification sent out about this debt as well as no information verifing this debt. However now when they have the ability to automatically report non-verifiable debt causing an instant decrease in my credit scores.
Product: Credit reporting or other personal consumer reports

recently reviewed my credit report and noticed an accounts that was not reporting accurately. i had one late payments on Two separate account With ( XXXX XXXX XXXX  ) I know in fact I paid on time. The consumer reporting agencies need to report all information with complete accuracy. these accounts has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) XXXX XXXX Account XXXX XXXX ( XX/XX/year> ) XXXX Account number XXXX I'm now requesting you to investigate these account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

I had an auto account with Santander Consumer USA that was sold to XXXX XXXX and they offer me an settlement which I had paid successfully on XXXX XXXX of {$1200.00} and it was stated that within 30 days which it has been more than 30 days since XXXX XXXX they would request for a deletion from all my credit bureaus but they haven't completed their end of the word and I need that to be deleted off my reports and my husband report because he joint sign with me on this account
Product: Credit card

I received a pass due bill for XXXX with citi Bank XXXX XXXX. I have no knowledge of this account and gave nobody permission to open an account.
Product: Debt collection

I was contacted on XX/XX/18 by a company called XXXX XXXX XXXX. They had left a message saying that I needed to give them a call immediately because they were in the process of serving me Court papers and would be showing up to my home and work to do so. Immediately after they left that message, they also called several members of my family and advised them that they were looking for me because they were in the process of serving me Court papers. I called them back as was advised that I was being sued for an old bank account that I had closed, and that account had a balance due. I have not had that account with the Bank that they referenced for over 10 years, I have not been contacted by that Bank, nor has there ever been anything on my credit report referencing such a collection. I let them know that I was unaware of the debt, the lady that I spoke with said that unless I paid I would be served the Court papers in the next two business days. I asked them to provide me with proof that I owed this money and that they were authorized to collect on this debt. They emailed me a very short letter which has no address or contact person 's name. The letter came from a generic email address. I have been contacted almost everyday since and they are continuing to contact family members ( telling them that I am being sued ) This is very upsetting to me that I, and especially my family members are receiving these harassing calls ... .. for a debt that I don't have.
Product: Money transfer, virtual currency, or money service

I was scammed on my cashapp account many times. Every time I brought this up with cashapp they denied my claim. The last time I reported fraudulent activity they closed my account and did not refund my money that was stolen from me. My cashapp account name was XXXX XXXX