23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I dont understand how I have any delinquency on either of my student loans when the started coming due I set it up that I would not have to Pay anything back for a few years. Shortly after they became delinquent for a couple months then back to in good standing. I never missed a payment and would like that reflected in my credit report
Product: Mortgage

I was a victim of a fraudulent loan, I never received anyof the money.the loan agent collected the funds & dissappared, went out of business.sold the loan to another company, left me with Morgage payments.home forclosed & left homeless & in debt.
Product: Debt collection

I just checked my credit report and seen a charge on there that I did not give consent it says i opened up a bank account last XXXX in Missouri when i live in PA
Product: Credit card

On XX/XX/23, I received an email from Chase thanking me for requesting a new credit card. I did not request a new credit card. I checked my XXXX  account, and found an inquiry for JPMCB card. I contacted XXXX  to dispute the inquiry, as I did not request it. They said they would flag it as fraud and my report should be updated in 24-72 hours. They told me to contact Chase and have them flag it as fraud. I called chase and was told there was no account with my SSN to flag as fraud and to call back in a couple days, and if there still wasnt an account open to call back in a couple weeks, and if there still wasnt an account open to call back in a month, etc. seemingly for eternity. XXXX also told me to go to ftc.gov and file a police report so that is what I am doing right now.
Product: Student loan

In XXXX I had my XXXX XXXX and XXXX XXXX Subsidized loans consolidated with XXXX XXXX ; these were subsequently serviced by Navient. In XX/XX/XXXX I requested a temporary forbearance due to COVID-19 and the fact that my FFELP consolidation loans were not a part of the student loan pause created by the CARES act. They had me believe this was my only option and that I was not eligible to reconsolidate these loans to take advantage of the student loan pause and more importantly to me the pause on student loan interest. I resumed payments in XX/XX/XXXX and have continued to make payments on time, and often above the minimum amount due, throughout this time. I have recently ( XX/XX/XXXX ) become aware that I am able to apply for a Direct consolidation loan and immediately applied after learning this from a studentaid.gov representative. I have contacted Navient ( XX/XX/XXXX ) asking if there were any way to adjust my account and remove the interest charged during this time and apply it towards the principal and was told the only thing they can do is a forbearance or possibly lower my payments. 
This is a company that no longer services federal student loans, yet is allowed to continue to deceive it's customers and profit from the misinformation it provides. I have paid thousands of dollars in interest during this time that would have all gone towards the principal had I consolidated with direct loans years ago as a direct result of this deception by Navient.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice of liability for criminal activity that the third party interlopers are using my data for pecuniary purposes. I have not supplied proof under The doctrine of Estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX. I presume that no proof of the alleged debt nor therefore any such debts exist in fact. In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978. These entities also violated 15 U.S. Code 1602 ( p ) and violated 18 USC 894. Whereas these debt collectors : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, etc. have violated my rights, and restraint of trade in violation of 15 USC 1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. I did not authorize any third party to contact me via email, phone, or US mail. All presentments by unnamed writers are in violation of 18 USC 1341. By using my likeness ( Trade name ) to coerce me into a scheme to extract government obligations XXXX XXXX XXXX. Names reported : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Reporting alleged late payments in violation 15 U.S. Code 1666b ( a ). All entities reporting themselves as CREDITORS in violation of 18 USC 914. Whereas these Foreign entities have not produced the contract pursuant to 31 USC 3718 to collect 18 USC obligation or other security of the United States.
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 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. - Accounts [ ] XXXX - [ ] XXXX - [ ] XXXX - [ ] XXXX - [ ] XXXX - [ ] XXXX
Product: Debt collection

Regarding the accounts mentioned below, I would like to bring to your attention that it is being reported as a late payment accounts. However, I have reached out to the creditors regarding the validity of the debt, but they did not provide any proof. Therefore, I kindly request you to provide proof of the accounts being late and delete the negative payment status on this account. I understand that errors can occur, but incorrect details on my credit report can significantly impact my ability to own a home and have a negative impact on my credit score. I expect an updated credit report reflecting these changes within thirty ( 30 ) days. Dept Of EdXXXX XXXX, Dept Of EdXXXX XXXX XXXX Dept Of Ed/XXXX XXXX XXXX Dept Of EdXXXX XXXX, and Dept Of EdXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 at XXXX XXXX  EST I submitted a money transfer of {$500.00}. There's was an era with the spelling of the recipient name.. MoneyGram asked me to cancel that transaction and submit a secondary transaction. MoneyGram policy clearly states that all refunds are made with 3-10 business days. I waited that period of 11 business days. I was never refunded my cancelled amount of {$500.00}. I contacted MoneyGram on several occasions and was told that my refund was being processed. After numerous calls finally someone from MoneyGram told me that the refund was processed within 24hrs of the cancelation. That's totally false i have no records of such a transaction my bank has no records of that transaction.

Reference NO : XXXX {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked TransUnion to remove the hard inquires below from my credit report. They are not mine and I do not know why they are on my credit report Creditor : Date : ____ XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please have these unapproved inquiries removed from my credit report.
Product: Debt collection

I received an alert that IC systemXXXX XXXXXXXX put a collection from XXXX XXXX on my credit reports for {$910.00}. I never had XXXX XXXX. I never received any bills or collection notices from this company. According to the FCRA, credit reporting must be legal, and notices are supposed to be sent before submitting anything to the credit bureaus. This collection is illegal and fraudulent. Again, this isnt my mine. I never had XXXX XXXX. I dont even have this company in Pennsylvania XXXX
Product: Debt collection

I am unaware of this debt : COLLBUREAU Account # XXXX I have not had the opportunity to dispute this debt before appearing on my consumer report, as I did not receive proper notification. I insist on the deletion of this collection from my report immediately. The account was settled through the original creditor.
Product: Credit card

I have XXXX credit card accounts with Capitol One. The last XXXX of XXXX card is XXXX and the last XXXX of the other is XXXX. On XXXX I made a payment of {$30.00} on XXXX but there was an additional unauthorized payment taken out of my checking acct on XXXX. I called Capitol One and explained that XXXX payments were paid from my bank, they called my bank and verified that the XXXX payments were paid, and I faxed documentation proving that. Upon reviewing my payments made on the Capitol One website, it clearly shows only XXXX payment credited to the acct of XXXX, yet XXXX payments were debited from my checking acct. On XXXX I received a letter stating that XXXX payment was paid on XXXX for acct XXXX and the other payment was for XXXX. I do n't have a Capitol One card with the last XXXX of XXXX! The {$30.00} has NOT been returned to my acct, and I am very upset that they can not see that I do not have a credit card with the last XXXX of XXXX.
Product: Checking or savings account

I was the victim of an email spoof that resulted in a wire of {$70000.00} being sent to an unknown account. I was able to advise the bank within about 10 hours and prior to the wire being funded to the other account to stop. This all happened on XXXX XXXX, 2017. The account that my money was sent to is a bank of america account. Since that time Bank of America will provide no information to me regarding my money. My bank wire fraud department checks in with them weekly and they tell them it is still being investigated. I am begging for your help with this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XX/XX/XXXX TransUnion XXXX XXXX XXXX, XXXX, PA XXXX Dear stupid XXXX TransUnion, After carefully reviewing my credit report, I noticed that the following accounts listed below are inaccurate. 
The open date, the date last active, the date of last payment are showing inconsistently between all three credit bureaus. I was reading over the Fair Credit Reporting Act Section 1681e ( b ). You are supposed to assure maximum possible accuracy. Can you reinvestigate the accounts listed below? 

XXXX XXXX XXXX XXXX After reviewing my credit report this account is reporting the incorrect open date, date of last payment, and date last active, can you reinvestigate this account according to section 1681i of the fair credit reporting act.

After your reinvestigation if you found this account to be inaccurate or incomplete or can not be verified can you delete this account according to section 1681i ( 5 ) of the fair Credit reporting act. 

XXXX XXXX XXXX XXXX After reviewing my credit report this account is reporting the incorrect open date, date of last payment, and date last active, can you reinvestigate this account according to section XXXX of the fair credit reporting act. 
After your reinvestigation if you found this account to be inaccurate or incomplete or can not be verified can you delete this account according to section XXXX ( XXXX ) of the fair Credit reporting act. 

XXXX XXXX XXXX After reviewing my credit report this account is reporting the incorrect open date, date of last payment, and date last active, can you reinvestigate this account according to section XXXX of the fair credit reporting act. 
After your reinvestigation if you found this account to be inaccurate or incomplete or can not be verified can you delete this account according to section XXXX ( XXXX ) of the fair Credit reporting act. 

XXXX XXXX After reviewing my credit report this account is reporting the incorrect open date, date of last payment, and date last active, can you reinvestigate this account according to section XXXX of the fair credit reporting act. 
After your reinvestigation if you found this account to be inaccurate or incomplete or can not be verified can you delete this account according to section XXXX ( XXXX ) of the fair Credit reporting act. 

Sincerely, XXXX XXXX
Product: Debt collection

The Collection Company did bot send any informational letter of how to dispute the procedure.

The Collection agency exactly at XXXX on the dot, in the morning automatically was calling to keep me informed. 

I agreed over the phone to pay the debt in exchange to not touch my credit. They agreed. After I paid, they reported negative credit. Another report is for a whole month worth of negative despite was paid in time. 

I called the company which the representatives informed me that they must report ; Which had breached our first agrement, which they did not honor. 



XXXX the original creditor, website, did not allow me to pay the past due showing no payment and lately deleted the whole account. 

XXXX Website and Mobile app failed to submit my car accident report, by showing website errors and eventually deleting all my data after I changed their insurance and they sent me to collections.
Product: Credit card

I have submitted 4 applications for the XXXX  issued by Goldman Sachs. In each submission I have been asked to provide an image of my drivers license. While inconvenient, I understand fraud procedures in general. Typically this is not requested when my application XXXX elements match my credit report ( which they do ). After the third application denial, I called to understand why this was happening. After speaking with the specialist she first asked if I have been a victim of fraud in the pat. I have, and I made them aware of that situation and that I previously had my credit blocked, but had since removed that block. She informed me that she had appropriately notated my file and asked me to resubmit the application a 4th time, and assured it would not be a problem, I complied, only to be denied again because Goldman Sachs could not verify my ID. I have been erroneously denied credit, which is an ECOA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bellow companies Marketing details & enquiries not recognize on my file 1. 
XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX 2. 
TRANSUNION CONSUMER INTE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 3. 
XXXX CO XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, FL XXXX 4. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX 5. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 6. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX 7. 
XXXX via XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 8. 
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX 9. 
XXXX XX/XX/XXXX Location XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 10. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX  XXXX XXXX XXXX, UT XXXX 11. 
XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 12. 
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX FLOOR XXXX XXXX, CA XXXX 13. 
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempts to let you know that I was a victim of identity theft and that I want to challenge some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX Balance : {$6500.00}, XXXX XXXX Balance : {$2000.00}, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$7100.00} {$7100.00} {$7100.00} No. of Months ( terms ) : 73 73 73 High Credit : {$26000.00} {$26000.00} {$8700.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$7100.00} {$7100.00} {$7100.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved ; reported by grantor Account was in dispute - now resolved - reported by subscriber. Merchandise was taken back by credit grantor ; there may be a balance due. Unpaid balance reported as a loss by the credit grantor. 
Charged off account Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This item was previously removed from my credit due to identity theft and has been re-inserted as a new account as of XX/XX/2020 in the amount of {$68.00}, in which is illegal. Please remove this debt off of my credit. I have disputed this with XXXX and they sent me an updated copy of my credit report and this is not appearing. Re-aging a debt is against the law and inserting inaccurate information is also illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous credit inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquires and no account attached to them. Transunion is stating that " inquiries are a factual record of file ''. How are these inquiries factual when the creditors have no account. These inquiuries are factual permissable purpose but inaccurate. I request for them to be deleted.
Product: Debt collection

Moved out of my college apartment early due to military orders. I have pictures of the conversation between the then property XXXX and I saying that all charges posted were to date in the payment portal, in addition to a copy of the receipt showing that I paid. 9 months later, XXXX XXXX randomly notifies me of a Derogatory Mark being placed on my account and I see my XXXX XXXX go down XXXX points for something I had no knowledge of due to poor communication from the apartment complex. After attempting to reason with the collection agency and work with the apartment complex, along with showing proof of my claims, nothing has been done. Also, after more communication with the apartment complex, its been discovered that they were reporting a false amount.
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 US C 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item. Im 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 information is inaccurate. Do.
Product: Bank account or service

On XX/XX/2016 we had our checking account hacked by someone named XXXX. USAA Federal Saving Bank then says it was our fault because it looks like we gave this person our token, which it takes to get into this account. 
I guess they think their tokens are beyond breaking into. We do n't know any of the XXXX people that were indicated in our checking account fraud. They have found us guilty without even letting us prove we did n't do this.
Product: Vehicle loan or lease

The purpose of this credit repair letter is to inform you that the following companies made unauthorized inquiries on my credit report. I have listed the names of these companies and the dates the inquiries were made. 
Company name : XXXX XXXX XXXX Company name XXXX XXXX XXXX  DATE : XX/XX/year> Company name : XXXX XXXX XXXX XXXX  DATE : XX/XX/year> DATE : XX/XX/year> Since I did not authorize these companies to obtain my credit report, I demand that these items be removed immediately, and my credit score be adjusted accordingly. Company name : XXXX XXXX XXXX -DATE : XX/XX/year>, Company name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and Company name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent to me immediately. I appreciate your attention to this matter.