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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I do not spell my name in all caps. This means dead person. This is the corpation name given to me. My only lawful spelling is XXXXXXXX XXXX XXXXXXXX nothing else. 

Your credit reports state Discover {$3100.00} XXXX {$14000.00} XXXX {$1300.00} XXXX  XXXX {$4300.00} and {$1400.00} XXXX XXXX {$3700.00} XXXX  {$590.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX {$5000.00} XXXX XXXX  {$3600.00} No above account has that balance?? 

Since most businesses use the basic method of accounting the offset is mandatory as a result of their reporting practices. The law does require accurate reporting, and failing to report something means you are not accurate, it is not verified, it is not verified, and the law requires validated, verified and accurate reporting. It requires all these three issues to be addressed by every single creditor. This is the reason why we have the fair debt collection act in the first place. The fair creditors reporting act was Established because the creditors were not accurate at all. They must report debts accurately. 

XXXXXXXX XXXX XXXX XXXX XXXX. 
This case said creditor failed to update the consumers credit report. The debt was discharged in bankruptcy. 

IRS topic 453 They can not make no claims 1099c cancellations of debt 90 days document default 180 days they can write balances off.

After 90 days the IRS gives them a 1099v cancellation of debt. Its called write offs, charge offs, debt forgiveness, cancellation of debt. 

The creditor has a duty to report this information. The fair credit reporting act requires for accurate credit reporting and if a debt has been disclosed and or written off the creditor has to notify the creditor and the fair debt collection act as well as the uniform commerical code, but creditors receive a benefit and must notify the borrower as well. You are receiving a tax benefit to offset the debt. Every debt is associated with a contract, which corporates contract law : contract law requires parties to operate in good faith, clean hands, and to communicate with one another. The most basic part of contract law is parties have a duty to communicate with one and another. You also failed to take into consideration, receives a benefit from writing off a debt that is forgiven, it can not under the law under the fair credit report act, allow that original debt to remain unchanged. The benefit operates in a benefit or set off and that means the accounting must be offset, what ever you call it a charge off, write off etc is a benefit offsetting, benefit acts as a positive.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I have used XXXX XXXX for transferring money overseas to my family for several years in a row. Online, on a monthly basis, and always to the same 2 members of my family. Suddenly, in XX/XX/XXXX, I can no longer do that online : everyone of my attempts end up in a denial of service with a vague message asking me to check my form of payment or some other excuse. Prior to that moment, I had always used my debit card as a form of payment for several years, without ever a problem. 

I tried to get an explanation of this by phone from supervisors of the agents I spoke to and every time was simply told that " there must be a problem with your form of payments. '' I then wrote twice to XXXX XXXX Customer Care ( XX/XX/XXXX and XX/XX/XXXX ) and twice received the following email Concerning the error that you are receiving, this is to inform you that based on the information you have provided, XXXX XXXX must decline to process your intended transaction. XXXX XXXX is subject to a number of economic sanctions and restrictions imposed by the United States and other countries, and it appears based on the information that you have provided that the transaction might violate one or more of these sanction programs. 

I subsequently made several attempts on the phone to get more information from various XXXX XXXX supervisors to no avail. 

To this day, despite several attempts on the phone or by email, no one at XXXX XXXX has seen fit to tell me exactly what I did wrong and how I can fix whatever it is. 

All I want to know is the reason why I am suddenly unable to make money transfers online and how to fix whatever the problem is. In the meantime, I am forced to find a physical store that does XXXX XXXX transfers and make transfers paying much higher fees every time. 

Please, help me. 
XXXX XXXX XXXX
Product: Debt collection

I have no knowledge of this company or alleged debt.Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. This apartment complex has been shut down by the state of alabama for various criminal activities.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX  XXXX XXXX Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$210.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$400.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Highest Balance : {$210.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$400.00} Account Name : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Highest Balance : {$130.00} KINDLY DELETE AND BLOCK ALL NON ACCOUNT HOLDING INQUIRIES AS I DID NOT AUTHORIZE THEM
Product: Credit reporting

Equifax is showing a hard credit inquiry by XXXX between XXXX XXXX, 2016 and XXXX XXXX, 2016. I did not authorize this inquiry and have no knowledge of what XXXX is or who initiated the inquiry. I suspect identity theft, as I already have a notation with the credit bureaus regarding this which was originally caught by my credit card company earlier this year. Thank you for your assistance in this matter.
Product: Vehicle loan or lease

After filing a complaint with this office on XX/XX/2018. XXXX XXXX has promised to make us whole and fix the reporting to all credit agencies. I have made several attempts at contacting the company and the company contacted me one time and stated they were still working on fixing the credit reporting of one of our accounts. According to all 3 credit reporting companies, 1 of the lease accounts still shows Early Termination/ Status Pending. We have received a check from XXXX with a refund of extra monies applied to our account in overage. This information does affect the credit report and has been affecting our credit reports for many months now. They refuse to correct their mistake and has sent notice to us the customer and you as the complaint receiver stating they were in the wrong and would fix the problem. As of XX/XX/18, our credit reports still reflect this information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to XXXX XXXX XXXX, XXXX XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is XXXX XXXX XXXX My only telephone number is : XXXX Please do not respond by email or any other electronic means. 
Please respond via USPS only.

Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, Name XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. I am writing to express my concern regarding a late payment that was recently reported to my credit report due to my Chase credit card account ( XXXX XXXX XXXX XXXX  ). This situation has caused me significant distress, and I am seeking your assistance in resolving this matter. 

Recently, I set up a payment plan through the Chase app to pay off the remaining balance on my account with a lower interest rate ( $ XXXX payment ). Despite my willingness and proactive steps to address the balance, I did not receive any notification from Chase indicating that I needed to make another payment ( $ XXXX previous unpaid amount due ) in addition to the {$77.00} to bring the account current. Consequently, I made a payment of {$77.00} for the payment plan assuming that setting up the payment plan had brought my account to current status. 

To my shock, I discovered that a late payment had been reported to my credit report, which has caused my credit score to drop by over XXXX points. This has been highly inconvenient and alarming, especially as I am currently in escrow to purchase a property. The sudden drop in my credit score due to this single late payment poses a significant risk to my ability to close on the property, and it will reflect negatively on my credit report for the next seven years. 

I called Chase 's customer service to address this issue, but I was informed that nothing could be done and that the item would remain on my credit report for seven years. I genuinely believe this late payment was an oversight on my part, primarily due to the lack of clear communication regarding the need to make two separate payments. I have since made both payments to bring the account current and am committed to making all future payments on time as per the payment plan. 

Given these circumstances, I am kindly requesting that Chase consider removing the late payment from my credit report. I have always been diligent in managing my financial obligations, and this isolated incident does not reflect my usual behavior. Your understanding and assistance in this matter would be greatly appreciated, as it would help me maintain my creditworthiness during this crucial time.
Product: Money transfer, virtual currency, or money service

I received a bank notification around XXXX on XX/XX/2023 stating there was a suspicious log-in attempt to my mobile banking account and that they would lock the mobile banking until I was able to change the password. This prompted me to check my accounts, and I noticed there were 2 bank transfers to venmo of {$1000.00} and {$6000.00} made on XX/XX/XXXX after XXXX XXXX about 15 minutes apart. I didnt recognize these transactions, so I removed my bank information from Venmo and saw that the transfers were still pending. I called my bank ( XXXX  XXXX XXXX ) the following day ( XX/XX/XXXX ) and changed my mobile banking information with the fraud specialist. The fraud specialist told me to check my email for anything suspicious and to change the password. I checked my email and didnt see any emails from Venmo notifying me of the transactions, which I thought was strange. I then checked my trash, and saw all of the emails from Venmo were in the trash. I realized someone had set a filter on my email that sent all Venmo emails to the trash. These emails stated that my venmo password was changed and that someone had added a new bank account a few hours earlier. I opened my venmo app and saw I was logged out. I was able to get back in through changing the password to both my email and my venmo account. The transfers still say they are pending. The following morning ( XX/XX/XXXX ) around XXXX, I received an email of suspicious login activity being blocked from my PayPal account. Nothing that I know of was retrieved through my PayPal account. I froze my credit the same morning. I then called XXXX  XXXX XXXX to dispute the two transfers to Venmo, and noticed three activities on my checking account processing from the very same day, XXXX XXXX  Account Verify. I then called my bank back and froze all of my accounts until further notice. I called XXXX XXXX  to report this incident and they said that someone had access to my account number and attached my bank account to their XXXX XXXX. 

Whoever hacked my email has access to information like medical records, W2 and other tax forms with my SSN along with other loan information and vehicle information. I believe they may have retrieved my email information and banking account number from Venmo.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed From my report. They are not reporting the actual credit scores. My student loan was forgiven in XXXX and XXXX, reached out to XXXX as well as credit bureaus with the evidence but no result. where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

Please address this!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX
Product: Credit card

A guy I was dating XXXX XXXX stoled my identity got this card in my name before we were married in the evening og XX/XX/XXXX. When I found out that this and other cards were in my name without my knowledge I filed for divorce immediately. XXXX other accounts were declared fraudulent. This one was not even though XXXX admitted to Barclay Bank that he was responsible for it and was made responsible for it in our marital settlement agreement. I did not know that I was on this account. I did not sign up for this account. I have asked for proof that I signed up for this accounts in XX/XX/XXXX and XX/XX/XXXX and have not received it. It has hurt my credit my credit rating and I want it removed.
Product: Credit reporting or other personal consumer reports

The company is reporting my personal information incorrectly. I have included a letter and the documentation for you to be able to correct my information.
Product: Debt collection

The debt reported by the collection agency was removed by  XXXX  from a previous dispute. this company has also reported the same item on my credit report repeatedly  on. XXXX /2017,  XXXX 2017, XXXX /2017,  XXXX /2017,  XXXX 2017 and  XXXX /2017. I want these items and collecti on removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim and I have absolutely no knowledge of the alleged debts listed on your website. I am an eyewitness the information is incorrect and I demand the validation of all debts alleged to be mine listed on your website. I have attached a copy of an identity theft report filed with the Federal Trade Center and demand you cease and desist from the presentment of all information alleged to be mine in order to avoid any possible liable for the identity theft or data breach of personal information. I require a fraud alert on my account and all visible information completely blocked and deleted upon forwarding of the identity theft report and this affidavit of truth to any alleged creditor. All creditors must be aware that if they were eyewitnesses to their allegations, then they must know who stole my identity and possibly conspired with the individual to steal my identity and attempt to hold me to fraudulent/unenforceable contracts which an entity can not be an eyewitness to unless using deceptive practices in and affecting commerce. In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent and the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so, I am sure the removal of my information from your website will ensure my privacy rights wont be violated again due to my lack of consent and unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce. ** I am not a debtor. I am a Secured Party Creditor that DISCHARGES ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHS. 48 49. 
XX/XX/XXXX, XXXX, XXXX HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I called into Mr Cooper customer service number, XXXX, to validate whether Mr Cooper has sold/transferred my current loan with Mr Cooper to XXXX XXXX  XXXX XXXX XXXX XXXX ) as I received notification letter from XXXX to start my mortgage payment to them on XX/XX/XXXX. I spoke with XXXX XXXX XXXX Home Advisor ( XXXX # XXXX ) and she checked her system. She said it does not show Mr Cooper has sold nor transferred my current loan to XXXX. She asked that I checked back in a few days and replied to her email with a scan copied of the XXXX letter for her to investigate. Then suddenly, emails arrived in my inbox regarding " sign my Mr Cooper loan documents electronically ''. And it is coming from XXXX XXXX ( XXXX ID XXXX ) Mr. Cooper, ( XXXX ) XXXX, XXXX. This is a surprise as I did not apply for any loan application and did not give out any information for a loan application. I continued to receive emails regarding Mr Cooper loan application which I did not initiate and authorize. Today, XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Mr Cooper with my credit score. This is outrageous and a breach of trust as in no way did I authorize any credit report to be pull. I called XXXX XXXX regarding this on XX/XX/XXXX and he claimed I must of authorized it over the phone with him, but this is the first time I've spoken with him. I've asked him who initiated the loan application and how can they just run my credit report without authorization. He has no answer for this. This is unwanted and not authorize, which will affect my credit score as a consumer. This is for sure an unusual fraudulent practice. Please investigate. Thank you!
Product: Student loan

Student XXXX XXXX XXXX has account with Pennsylvania Higher Education Assistance Agency. Account XXXX Her mother wanted to pay off the loan. The loan balance was {$27000.00}. Her mother, XXXX XXXX XXXX called PHEAA to obtain directions on how to pay the loan and was told the {$27000.00} would not close the loan. XXXX asked XXXX to check with PHEAA to investigate the problem. XXXX was told by PHEAA that to close the loan an amount of {$33000.00} must be submitted. She was told the difference was a prepayment penalty. It is our understanding that a prepayment penalty is not allowed on student loans. XXXX XXXX XXXX  submitted a check for the {$33000.00} but is requesting your assistance in resolving this problem.