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

Consumer Name : XXXX XXXX, Consumer 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 XXXX 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 XXXX XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$94000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX 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 # ( private case number ) 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: Student loan

I had XXXX student loan under Discover Student loans in XXXX XXXX. I submitted graduate school deferment paperwork in XXXX of XXXX. Discover claimed to have lost my paperwork in XXXX of XXXX after multiple calls to confirm status. After paperwork was resent, it took until XXXX of XXXX for my account to officially say it was in deferment, with weekly calls from me. I was repeatedly assured that the deferment status would be retroactively applied to my account so my credit would not be affected. My credit report says I have a missed payment on this loan, but I never missed a payment. Discover never retroactively put me in deferment for the XXXX and reported me as having a late payment on my loan. I disputed this charge with the lender in XXXX and it was removed, but has reappeared on my credit report as of XXXX.
Product: Credit reporting or other personal consumer reports

Fraudulent Reporting of Charge-Offs as Debt The reporting of charge-offs on my credit report is fraudulent and misleading. According to IRS regulations, charge-offs are classified as income on a 1099-C form when reported to the IRS. Per federal law, income can not be reported as debt on a consumer credit report.

Violation : Reporting charge-offs as debt breaches the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2, which prohibits the reporting of inaccurate information.

Breach of Fiduciary Duty : Ignoring My Letters and Durable Power of Attorney ( DPOA ) I have sent multiple letters asserting my rights, including a Durable Power of Attorney ( DPOA ), which has been ignored by upgrade and Victoria secret By failing to respond, these entities have violated their fiduciary obligations and undermined my rights to assert my interest in the credit.

Legal Precedent : Grimes v. White establishes that promissory notes fully fund credit, rendering the consumer the true creditor. As the creditor, I retain rights and interests in the credit and demand acknowledgment of the same.

3. Failure to Disclose Securitization of Promissory Notes It has come to my attention that the promissory notes I provided to Upgrade and Victoria Secret were securitized and sold without my knowledge or consent. This failure to disclose constitutes fraud and unjust enrichment.

Violation : Under 15 U.S.C. 1641 ( Truth in Lending Act - TILA ), lenders are required to disclose the sale, assignment, or transfer of debt instruments to third parties.

Fraudulent Omission : By securitizing my promissory notes and profiting from the proceeds, without compensating me as the original creditor, XXXX and Victoria Secret have committed fraud. 


4. Non-Compliance with Audit Reporting and GAAP Standards Under federal law and Generally Accepted Accounting Principles ( GAAP ), financial institutions are required to provide accurate audit reports and account reconciliations.

Legal Obligation : 12 U.S.C. 1831n ( a ) mandates compliance with GAAP standards for all financial institutions.

15 U.S.C. 1637 ( TILA ) requires creditors to provide clear and accurate account information. 
Violation : XXXX and Victoria Secret have failed to provide audit reports and reconcile accounts as requested. Their lack of transparency further suggests that the reporting of charge-offs is fraudulent and unsupported by proper accounting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent information pertaining to XXXX XXXX information is being held against me that doesnt belong to me. Wrong person account is fraudulent. XXXX XXXX XXXX XXXX XXXXe needs to be deleted from all three credit bureaus
Product: Debt collection

I requested a credit report on XXXX/XXXX/15 and found that this company, XXXX XXXX XXXX had placed a negative account on my credit report. I contacted them and requested a copy of any contract, policy or anything that shows I have ever given them permission to establish an account on my behalf. I also sent certified letters to them requesting a copy of any documents with my original signature on them as proof that this is my debt. They have refused to provide me with this information and have not responded to my inquiries. I have disputed the account with the credit reporting agency, XXXX and the company continues to report it. I have filed a police report and will began this process to have them remove themselves from my credit report which is now causing me harm when I apply for credit. XXXX and XXXX are not allowing this company to report this account because they have not validated that it belongs to me.
Product: Debt collection

( 5 ) new postings to all three credit bureaus for medical bills to XXXX XXXX and subsidies for medical bills filed bankruptcy XXXX Wisconsin has a law about medical bills should not go into collections or credit file anyway.
Product: Debt collection

I was taken in an ambulance to the hospital on XX/XX/XXXX. I got a bill from the Ambulance Company, XXXX XXXX XXXX. I paid the debt off which was around {$800.00}. Then about a year later in XXXX I was sent numerous letters saying I did not pay. I went to my bank, which at the time of the event and paying off of the debt was XXXXXXXX XXXX. I was able to get a print out proof from the bank stating that I paid the debt. It was submitted and the debt was removed. Now, it is XXXX and I have since moved from the XXXX, XXXX area to XXXX XXXX. I changed banks to XXXX XXXX. Commonwealth Financial Systems has since contacted me saying I have unpaid debt for {$1100.00}. They sent me a letter at the beginning of XXXX and I contacted them to try and tell them I paid off the debt but they would not accept my reasoning. So I reported them to XXXX as fraud and XXXX removed them from my credit score. Now, on XX/XX/XXXX I have gotten another letter from Commonwealth Financial Systems saying I have unpaid debt for {$110000.00} which is fraud. Since I reported them once to XXXX, the incident is flagged for a year on my credit report and I can not report them again. The current creditor is XXXX XXXX XXXX. XXXX XXXX is listed as the collection representative. I am going to try and contact XXXXXXXX XXXX to get a copy of my financial records that says I paid the debt off in XXXX. Please help me from getting contacted again by debt collectors for debt I have already paid.
Product: Money transfer, virtual currency, or money service

Used PayPal to purchase concert tickets from someone on XX/XX/2019 ( paypal email contact XXXX ). I sent this person {$70.00}. He then did not send me the tickets, but continued trying to get me to send him money. Paypal will not allow me to file a dispute because this was considered a " personal '' transaction, not a transaction with a vendor. They said my only option is to request a refund, but this man is not going to give me a refund because this was a scam.
Product: Student loan

I started a XXXX in XXXX ( XXXX ) I had to apply through the school to get a XXXX now Navient private loan in order to attend. I added my mother and stepfathers information online as cosigners at the time. Due to a medical situation I had I was forced to leave school and needed XXXX. In XXXX my home went into forclosure went through a divorce, my mother ( co signer was let go from her job ) had her assets repossessed lost part of property and now she is collecting social security. The XXXX school closed in XXXX. I have been going through financial hardship with my XXXX children since. I have however contacted XXXX/Navient several times to make arrangements so I am not digging myself further into debt and not late. I was place on a rate reduction program which was difficult for me but has worked I submitted each payment on time every month. The rate reduction plan is good for 12 months after that time is up my payments and rate increase to 10.6 % which brings my payments to almost XXXX a month. I have explained this is unaffordable to me and asked what help or programs are available to me. In XXXX Navient approved a rate reduction at 5 % then with in the same week denied a me stating I should be able to afford my rate with my co signer.I have all my medical and financial documentation I am asking to lower my rate so I can afford to pay this loan off I have made every attempt to try and have successfully made payments on time I do not understand why any company would make it so difficult to help someone willing to pay there loan. I do not know what options I have and no one is willing to guide me in the direction I need to take care of this matter. My family and my situation has changed drastically since I received this loan going back to the school is not a option since they have closed. I am requesting help at this point I just need to know what to do so I do not put my family in any more financial distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  fraud inquiries from XXXX XX/XX/XXXX XXXX XXXX on dates XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX also transunion has fraud inquiries on dayes XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  and XX/XX/XXXX XXXX  and XX/XX/XXXX XXXX  XXXX and XX/XX/XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX these all need to be deleted
Product: Prepaid card

What happen is that I opened this account with true link card as a dedicated account for the XXXX to add back pay for my XXXX XXXX XXXXXXXX XXXX, these transactions started from XXXX merchant and I reported them to the bank a first time. I spoke to a representative she told me they block the merchant ect, the following date more transactions from that same merchant happened for the amount of {$1800.00} I called them again they file a dispute now I get an email from them stating that my account will not get credited for these transactions wich is ver crazy because they see the time these transactions happening one after the other and they still did not block them like they told me this merchant was blocked and this money is money that I am saving to move to an apartment with my son XXXX XXXX XXXX XXXX that's why this money was provided for him and now I only have {$160.00} left on my account that was {$3500.00}, I am already homeless and this money is all I had to get an apartment but this bank is really unfair toward people money and I think it's just wrong for them not to give me my money back. And these XXXX transactions happen in XXXX I live in XXXXXXXX XXXX and I visit my sister in XXXX please help me with this issue on getting my money back from these people
Product: Credit reporting, credit repair services, or other personal consumer reports

The beginning of XX/XX/2022, I received notification from XXXX XXXX regarding an outstanding account with XXXX XXXX XXXX along with payment options to satisfy the {$9400.00} balance. I called and spoke to a representative to request a verification of debt letter. Upon receiving the information, the math was not accurate. I have reached out to XXXX and disputed this account in the past, but was informed the account had been sold to collections and to contact them with any questions. 

XXXX XX/XX/2022, I filed a dispute with XXXX XXXX XXXX XXXX the discrepancy in the amount owed. CFPB dispute number XXXX. Their response regurgitated a lot of known information, however failed to address the error. The end of the response contained a phone number for XXXX XXXX and for me to call with any questions. 
XXXX XXXX, 2022, I called, as per instructed, and was again informed my account had been sold to a collection agency and for me to reach out to them with any questions. 
XXXX XXXX, 2022, I filed a dispute with CFPB ( XXXX ) with XXXX XXXX and submitted the documentation proving the amount owed is not what XXXX is claiming XXXX I added XXXX XXXX in the dispute and they received a copy. XXXX XXXX replied after reviewing the documents submitted, the collection account was sent back to XXXX XXXX. They would cease all collection activity on that account. XXXX has yet to respond to this dispute. 

I have disputed the XXXX account with through the credit reporting agencies and those were closed in favor of the creditor. I was advised to file disputes through CFPB against the CRAs considering the documentation proves my case and the information being reported is inaccurate. In addition, trying to get this resolved with the creditor has proven ineffective as incorrect information was provided to CFPB about calling for assistance, the status of my account, and they have not offered any information regarding the mathematical errors and the amount being reported vs the amount paid on the account, deduction of the amount of sale from car, exaggerated, unexplained fees that contributed to the high amount in collections. I have tried repeatedly to receive clarification on the account however misinformation has left me out of options and with a derogatory negative mark which affects my credit score severely. 

Even without the 23 months of payments made towards the {$14000.00} balance, the vehicle was sold for {$8000.00} added to the amount owed on my craa, the amount exceedes the original plan amount
Product: Credit reporting, credit repair services, or other personal consumer reports

After I requested [ via regular mail ], credit reports from the 3 companies, I received a unsolicited Email from Experian.. on XX/XX/2021. I disputed something and afterward they said it was fixed. My credit score then was XXXX. They claimed my credit was 'thin ', even though I have a good record of payment. I was told this was because I only have a couple loans out and said I needed another credit card. I did NOT submit any request. I went to my bank for a vehicle loan and was given the rate for XXXX credit score. Two weeks later I get a letter from XXXX XXXX XXXX c/o XXXX denying me credit for a Loan application I never submitted! 
I went back on Experian and it shows my new XXXX XXXX as XXXX points XXXX. 
I have requested Experian to explain this but as of XXXX they have not. I was asked why I checked my report and told them I am going to buy a truck. They asked about how much was I looking for and made a guess at $ XXXX. When I recognized they wanted to somehow arrange a loan, I stopped, as I have my own bank. Now, however, my credit is XXXX points lower because THEY submitted the request withOUT authorization. 
It would appear there is some type of compensation for this activity. What can you do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to have Experian update the information on the XXXX XXXX account on my credit report. I have furnished them paperwork to show that the account was paid IN FULL ( not charged off ), and everytime they update the account they report it incorrectly. Im extremely frustrated. The balance on the account is XXXX, it was paid IN FULL. At this point, as I have tried to have the account updated several times and the account still reads incorrectly.
Product: Credit card or prepaid card

My name is XXXX XXXX and I reported my check being stolen on identify theift and I told direct express about it and I explained to them that some one hacked my card I tryed showing them it was not me .I did not make the buys on my card. And denied me the refund to my account.and if you look back you'll see I never made these purches before I've never spent over XXXX to XXXX dollars over there places I've never gone to before.please help. 
Thank you sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Equifax requesting an investigation into inaccurate items on my credit report. In addition, I disputed incorrect personal information listed on my report. I included a copy of my ID, social security card, and proof of address to assist Equifax in verifying my identity. 
However, instead of receiving the investigation results as required, I received a response from Equifax dated XX/XX/year>, stating : " Member number submitted not reporting as inquiry on credit file. Please verify the member number and resubmit your dispute online. '' According to the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to conduct a reasonable reinvestigation if a consumer disputes the completeness or accuracy of any item in their file. It appears that Equifax has violated my consumer rights by not conducting the necessary investigation upon receipt of my dispute and by refusing to handle my dispute properly. 
I am including a copy of my dispute letter sent to Equifax, as well as the stall letter I received from Equifax, as proof of their refusal to investigate my dispute as submitted by mail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XX/XX/24 XXXX, Transunion, XXXX Subject : Dispute of Late Payment Report Request for Correction Dear Sir/Madam, I am writing to formally dispute the accuracy of a late payment entry on my credit report. The specific entry in question is under the account [ Account Name # XXXX ], reported by [ XXXX XXXXXXXX. According to my records, the information is incorrect, and I am requesting an immediate correction. 

**Legal Basis for Dispute : ** 1. **15 USC 1681 ( a ) ( 1 ) ** : This section mandates that credit reporting agencies ensure the accuracy and fairness of the information contained in consumer reports. The erroneous late payment entry on my report is neither accurate nor fair. 

2. **15 USC 1681 ( a ) ( 2 ) ** : This section emphasizes the need for the reporting system to be fair and equitable XXXX Reporting an incorrect late payment undermines the fairness and equity intended by this law. 

3. **15 USC 1681 ( a ) ( 3 ) ** : It is required that consumer credit reports are to be used in a manner that is appropriate and just. An incorrect late payment mark is an inappropriate and unjust use of my credit information. 

4. **15 USC 1681 ( a ) ( 4 ) ** : The section outlines the importance of maintaining the confidentiality, accuracy, relevancy, and proper utilization of credit information. The current late payment entry fails to meet these standards, particularly in terms of accuracy and relevancy. 

5. **15 USC 1681 a ( d ) ( 2 ) ( A ) ** : This provision excludes certain types of consumer information from being reported if they do not meet the criteria for accuracy and completeness. Given that the reported late payment is inaccurate, it should be excluded from my report.

6. **15 USC 1681 a ( d ) ( 2 ) ( A ) ( iii ) ** : The code specifies that information must be reported with maximum possible accuracy. As this late payment entry is erroneous, it fails to meet this criterion and must be corrected.

**Requested Action : ** In light of these regulations, I request that [ XXXX, Transunion XXXX XXXX XXXX investigate and correct this error promptly. I have attached relevant documentation ( e.g., payment receipts, correspondence with the creditor ) to support my claim. 

Please provide written confirmation of your receipt of this letter and an update on the status of my dispute within the time frame mandated by the Fair Credit Reporting Act. 

Thank you for your immediate attention to this matter. Should you require further information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive identified errors on my credit report that fall under the regulations of 15 USC 16c-2. These inaccuracies are harming my credit rating, and the inquiries in question were not approved by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UND

ER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO S
TATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Money transfer, virtual currency, or money service

Recently I paid {$3200.00} on XX/XX/2020 towards my Apple credit card. The amount did not go through because I had insufficient funds. So I made another payment in the amount of {$3000.00} on XX/XX/2020. It is now XX/XX/2020 and they have not withdrawn the funds from my account. I contacted Goldman Sachs today to figure out why the money has not been taken out of my account, and they said that it takes them longer to process payments after a payment has been declined. Additionally, they said that the money would not be withdrawn until XX/XX/2020 when more interest and late fees can accrue if the payment is declined. The bank said they were unable to assist me by withdrawing the money from my account sooner than later. My credit card account reflects my paid amount so I could overdraft if my payment is declined and I am not aware that the payment has been taken out of my account. I fully expect to have sufficient funds but feel it is fraudulent to do this to someone.