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

Discover Financial Services [ Discover Address Subject : Request for Investigation and Removal of Inaccurate Credit Reporting Due to Identity Theft Dear Sir/Madam, I am writing regarding an account associated with my name and Social Security number that is inaccurately being reported on my credit report. I have disputed this account with you previously, but you responded by stating that the account information is accurate and belongs to me. I am informing you again that I am a victim of identity theft, and someone unlawfully used my personal information to open this account. Furthermore, they redirected all correspondence to an address that is not mine.

I have attached a copy of the identity theft report for your reference. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, once a consumer notifies a creditor or reporting agency of identity theft and provides documentation, the account must be blocked or removed from credit reporting within four ( 4 ) business days. Despite this legal requirement, the account continues to be inaccurately reported on my credit report.

Here are the critical points regarding this matter : Fraudulent Account : The address linked to the account is not mine, nor is it listed on my credit report. I have never received, used, or activated a Discover card.

Charged-Off and Written-Off Account : According to my credit report, the account has been charged off and written off. If the debt was indeed written off and Discover claimed a tax deduction for the amount, you would be required by the IRS to provide me with a Form 1099-C. Failure to do so implies that the reporting of a balance owed is inconsistent and a violation of FCRA standards for accurate reporting.

Violation of FCRA : Reporting inaccurate information on my credit report constitutes a violation of the FCRA. This continued reporting of an account I neither opened nor used, combined with the lack of a Form 1099-C, infringes on my rights and could expose Discover to legal liabilities, including damages.

Unfair Tax Implications : If the debt were written off and considered taxable income, it would be unjust for me to pay taxes on income related to a fraudulent account I did not open or use.

Under the FCRA, I am requesting the following : That Discover permanently remove and delete this fraudulent account from my credit report.

That you cease all reporting of this account to any credit reporting agency.

Written confirmation that you have taken these steps to rectify the issue.

I trust that Discover will act in good faith to comply with federal laws and correct this error. If no action is taken, I will have no choice but to seek legal recourse to protect my rights and hold Discover accountable for any violations of the FCRA.
Product: Credit card

On XX/XX/2024 I was contacted by discover bank about a possible missed payment that I dnt owe. I stated to the worker I do not owe discover bank and I wish for they to stop contacting me so I placed a no contact order wit the operator on XX/XX/24 and I was told I would not be contacted anymore However on XXXX of XXXX I was called by discover bank again despite the no contact order. I now feel as through I am being harassed by discover bank emphatically.
Product: Debt collection

I have a debt collection for medical services that I never used. The medical account is being reported under derogatory status. I have never visited this facility for any matters. I have no knowledge to how this debt appeared on my credit reports.
Product: Debt collection

Company is threatening me claiming I committed a crime despite the fact they are refusing to understand that I was XXXX when the sequence of events happened. My intent was for them to not rely on the information provided and they are now threatening me using the CFPB.
Product: Debt collection

XXXX on the date of XX/XX/2018 for the amount of {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXXXXXX XXXX  XXXX .... Balance : {$82.00} ; XXXX XXXX XXXX .... Balance : {$22.00} ; XXXX XXXX XXXX XXXX .... Balance : {$78.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$4.00} ; XXXX XXXX XXXX  XXXX XXXX. Balance : {$140000.00} ; XXXX XXXX XXXX XXXX Balance : {$620000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion refuses to take an online dispute, have me call there service # and they put me on hold, i waited 1 hr never picked up.tried later same thing.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED XXXX XXXX XXXX, which outlines the permissible purpose of consumer reports. I have requested Form XXXX from XXXX, XXXX XXXX, XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Checking or savings account

Around XX/XX/XXXX or so I was very ill still him I have XXXX. At the time I had XXXX I had a friend over for 3 Days to help me out he used to be an XXXX his name is XXXX XXXX. He took complete advantage of me not only did he do some online things with my checking account he also stole my food stamp benefit card. My last day of work was XX/XX/XXXX I'm on XXXX and I had to close my checking account because it was overdrawn by {$1100.00}. It was Hancock Whitney Bank and my first XXXX check went to that account and they refused to give it back. A man called around the XXXX by that time XXXX was gone. He told me his name was XXXX XXXX and that XXXX was supposed to send money back to him via prepaid cards and cash app I started asking him questions and he hung up on me.
Product: Credit reporting or other personal consumer reports

I am disputing incorrect information on my credit report that appears to have been caused by identity theft. Specifically, there are addresses listed on my report that do not belong to me and were likely added without my knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times today to get a credit freeze lifted through Experian. Even though Experian claims that the freeze is lifted, I am still unable to get a credit application processed. Each time I've tried to get my loan application processed, the creditor says there is a freeze on my credit. I have not been able to speak to a real person at Experian to clear up this problem. Experian seems to have taken extreme measures to avoid having live agents assist consumers. This issue is having a very negative impact on my ability to conduct essential personal financial business.
Product: Payday loan, title loan, personal loan, or advance loan

I was cold contacted by XXXX  XXXX XXXX, who said I was approved for a {$5000.00} installment loan at 4.9 %. After just getting divorced after XXXX years I had many lawyers bills XXXXand a {$5000.00} loan at a reasonable interest rate seemed attractive to me. I went over there details and gave them my bank name USAA Federal Savings routing number and my account number. Then the guy tells me they have to verify my identity so that they know they are sending the money to me, the actual person. So they tell me that they are going to give me a credit card number and I should put {$2500.00} in my XXXX XXXX Account. Then take a screenshot and send it to them. I did this. Then they said I should send the money back to them and take another screenshot showing a XXXX balance in my XXXX XXXX account which I did. They said all was well and they would call me back the next morning to be sure ther money was in my account. This transaction triggered USAAs fraud department to immediately step in and freeze my account. They said it was all a scam and I was a victim.However the next morning XXXX  XXXX XXXX deposited two checks in my account purportedly from XXXX XXXX. One for {$1600.00} and one for {$900.00} and USAA paid them. They were bogus and USAA said I was responsible for the {$2500.00} and took it out of my account even though they say they are always looking out for their customers. I am on a fixed income and now have lost {$2500.00}. I have pictures of the checks and Im amazed that after USAA Fraud stepped in that they would not hold these checks especially when you look at them, they do not look anything like a real XXXX XXXX check. Anyway USAA took the money from my social security direct deposit this morning and now I will be strapped for money to get through XXXX. They said I was responsible because I gave out the banking information. So much for USAA taking care of Veterans.
Product: Credit reporting or other personal consumer reports

tracking number : XXXX Date of Discovery : Upon reviewing my Transunion credit report on XX/XX/year>, I discovered several discrepancies in the collection account reported by XXXX XXXX XXXX. ( Amount : {$870.00} ) Discrepancies Identified : Address Discrepancy : The address listed on the collection account does not match the official address registered with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Phone Number Discrepancy : There is a discrepancy in the phone number associated with the collection account. Each credit bureau lists a different phone number for XXXX XXXX XXXX. 

XXXX XXXX : The same collection amount is reported under different names across various credit bureaus, raising doubts about the accuracy and legitimacy of the reported information. 

Failed Attempts to Obtain Original Contract : Despite multiple attempts through phone calls to XXXX XXXX XXXX, I have been unable to obtain the original contract or any proof of the debt. 
Actions Taken : On XX/XX/year>, I contacted XXXX XXXX XXXX via phone to request the original contract and proof of the debt. However, they failed to provide the necessary documentation. 

On XX/XX/year>, I sent a dispute letter to TransUnion, outlining the discrepancies and requesting the removal of the inaccurate collection account from my credit report. 

Impact : These inaccuracies undermine the integrity of my credit report and unfairly impact my creditworthiness. 

Laws Violated : 15 USC 1681i : Failure to properly reinvestigate the disputed account and remove unverifiable information.

15 USC 1681s-2 : Failure of XXXX XXXX XXXX to provide accurate information and to properly investigate the dispute. 
15 USC 1681e ( b ) : Failure of TransUnion to ensure maximum possible accuracy of the information reported. 
I am formally requesting the assistance of the CFPB to ensure that TransUnion and XXXX XXXX XXXX comply with the FCRA and correct the inaccuracies in my credit report. I have enclosed copies of official documents confirming the correct address provided by the State Corporation Commission Clerk 's Information System and other relevant supporting documents for your reference. 

Thank you for your attention to this matter
Product: Debt collection

I have disputed these accounts with Waterfall Revenue, or A-1 Collection Services, or XXXX XXXX XXXX, or whatever their name might be, because the accounts appear to be duplicate accounts. I sent them a letter to ask for their clarification, and it was returned to me because their address was incorrect. They are reporting 9 accounts with the same account numbers, and the same amount of money! I am very confused, I've asked for clarification, I've received nothing at all in return, and I can not dispute the account because they don't know how to report! ALL MY RIGHTS ARE BEING VIOLATED!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : Equifax learned about a leak of consumers information XXXX XXXX : Equifax publicly announced the hack XXXX XXXX : I learn I personally was affected by using their website, equifaxsecurity2017.com XXXX XXXX : I learned my personal information has been stolen for multiple months before I had any chance to take protective measures XXXX XXXX : I learn they 're only willing to provide 1 year of credit monitoring in exchange for a lifetime of exposure and giving up many legal rights
Product: Student loan

I received a call from lender trying to set up a payment for me to pay my private loan that went into default. When they told me the balance i asked about the interest rate and the interest was sky high. I borrowed XXXX and at this time its currently XXXX. Its amost impossible for me to repay this loan back soley because of the interest that accumulated. I tried to get more specifics on the loan and was unable to get them to give me clear answers or any information for that matter. I asked about getting a lower interest rate and the only options they gave me where to do a payoff or settlement. I cant see this loan ever been payed off and I need help.
Product: Mortgage

Midland Mortgage, payment was made online prior to XXXX. Mortgage company post payment XXXX results in a 30 day late. Ask to remove 30 day late as payment was made prior.
Product: Debt collection

I received threatening phone calls and letters plus a lawsuit was filed, when I disputed the claim to debt. They are not the original debtor and their information is wrong. They did not provide me with enough information and threatened to take action if I did n't respond within 30 days. They refuse to give me their street address when I phone them so that I can have them served. They were very rude on the phone and would not provide information.
Product: Credit reporting or other personal consumer reports

AS PER THE GUIDANCE FROM THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) THE DOCUMENTS NEEDED ARE A PICTURE ID, A BILL AND LETTER FROM AN ADVOCACY GROUP HELPING ME DUE TI XXXX XXXX XXXX XXXX, WHICH FALLS UNDER XXXX ACCORDING TO XXXXDEBT 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 HAVE GIVEN YOU MY IDENTIFICATION AS WELL AS THE INFORMATION REQUESTED FROM THE LIST OF ACCEPTABLE ITEMS WHICH ONLY 2 ARE REQUIRED PER LAW.I HAVE PROVIDED ALL NEEDED DOCUMENTATION AS A VICTIM DETERMINATION LETTER ACCORDING TO 1022.142 ( B ) ( 6 ).
Product: Checking or savings account

I opened a citi checking account in XXXX. I received XXXX deposits : {$700.00}, {$800.00}, {$2000.00}, {$300.00}. Suddenly, Citi locked my account then closed my account. Citi only sent me a check of {$1500.00} in XX/XX/year>. Citibank still keeps my money which is {$2300.00}. On the statement, it only says Other debit. I demand Citi to refund my money immediately
Product: Credit reporting or other personal consumer reports

Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e 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. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX - Account XXXX XXXX XXXX - Account Number:XXXX  XXXX XXXX XXXX XXXX Account NumberXXXX XXXX  XXXX - Account NumberXXXX XXXX  XXXX  XXXX XXXX  - Account Number:XXXX  XXXX XXXX XXXX  - Account Number:XXXX  XXXX XXXX XXXX XXXX - Account NumberXXXX XXXX XXXX XXXX  - Account Number:XXXX XXXX  XXXX XXXX - Account NumberXXXX XXXX XXXX XXXX Account Number:XXXX XXXX  XXXX XXXX XXXX XXXX Account Number:XXXX XXXX XXXX XXXX - Account Number : **** XXXX XXXX Account Number:XXXX XXXX XXXX XXXX XXXX - Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

I went Grocery Shopping at XXXX on XX/XX/2020 and my groceries came up to {$230.00}. On Wednesday, XX/XX/2020, while I was reviewing my checking account transactions online, I discovered a charge of {$12.00} that was made. I immediately called USAA Federal Savings Bank and informed of them of the suspicious charge. The USAA Representative told me that she did saw that the charge came out of the State of Arizona, at a XXXX with a telephone number listed as XXXX XXXX XXXX XXXX XXXX. The Representative then told me that she was closing my account due to the charged being a fraudulent charge and that I will be sent out a new card in 2 business days. I have XXXX young children in my home and I feel that it's very unfair to be without a money or card and for USAA to have members wait so long for a new card to arrive via XXXX for such a long time period. I was asking why can't they overnight or express it to me and hey stated to me that it's their banking policy of 2 - 3 days weekend not included. I was also told I may not receive the card until Monday, XX/XX/2020 although the charge was notated fraud. As of today, I will be at home during a Pandemic with XXXX young children ages XXXX and XXXX XXXX without access to my money. What is something was to happen and I need to go somewhere? I will not have any money. I do not have family members in the State that I reside in. I would like for USAA to change their Policy especially with a case such as mine and others. I feel that the Card should've been Overnighted and the members should be able to receive it the next day. This Policy that USAA has needs to be changed immediately. They have done this to a lot of family members and myself. I've served in the U. S. XXXX and have been a member with USS for XXXX years and after this, I will be cancelling my membership with them.
Product: Student loan

I was 90 days late on a student loan payment in XXXX of 2014. I pay all classes of loans in one monthly payment. On the credit report attached " dept of education '' shows up XXXX separate times for this late payment, and I think it should only be reflected once. I could be wrong, but it seems that maybe I should refinance all loans into XXXX .... in the case that this happens and it would all be just XXXX entry. it seems that it it disproportionately impacting my credit score.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the XXXX  report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 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: 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. 

Account Name : XXXX XXXX Account Number : XXXX {$630.00} Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries.

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

On XXXX XXXX 4 new inquires that i did not authorize appeared on my credit report. They are XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX. I have other inquires that i did not authorize too. I had a credit freeze on my credit because of identity thef. They are XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX, XXXX/XXXX XX/XX/XXXX. 
Also telephone number XXXX does not belong to me.