23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 an 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 card or prepaid card

I have never applied for a credit card with discover. I spoke to a agent they said they would investigate and remove the card in the middle of the so called investigation they sold the account to a third party. This is a fraud account. I have went to the police department as well as notified the ftc. Reports are enclosed.
Product: Credit reporting

For the past four XXXX 4 XXXX years I have disputed some erroneous information on my credit report XXXX. I have never had any utilities in my name, and I have contacted XXXX numerous times to have the item removed. They have never provided any information that has verified this to be my account. Once I even inquired about paying it, just to have it removed from my credit file. I need to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

LAst spring ( 2021 ) i went into the XXXX XXXX MD Best Buy to purchase XXXX TV 's for my new XXXX XXXX  condo i was furnishing. Time was important since I wanted to rent the condo immediately and it had to have TV 's. 
I also had Best Buy agree to install them. 
The man who helped me got me to pay with both my debit card and a credit card he asked me to apply for. 
He said BB would contact me shortly to arrange day and time for the install. 
Unfortunately, when i spoke to the delivery dept. in XXXX XXXX  they said they could not deliver the TV 's for several weeks. 
That was much too late so i told them to cancel my order. 
I also went to the XXXX XXXX store to ensure they canceled my order and refunded my money. 
They assured me they would. 
Instead, i have been receiving bills and threats ever since from Citibank ( Best Buy 's bank ) demanding payment on my credit card for TV 's i never received! 
I asked several times to speak with a manager at Citibank but they always refuse.

I have tried to contact the district manager of Best Buy but he never returns calls or e-mails.

Citibank has now begun reporting me to credit agencies as delinquent on payments for goods i never received and for an order i canceled immediately.
Product: Student loan

I was provided a deadline of XX/XX/XXXX to contact Navient to re-setup payment arrangements for XXXX private loans that was in default in order to avoid being sent to collections. 

On the morning of XX/XX/XXXX, I called Navient, and was connected to my account XXXX, XXXX. I explained to her that I am prepared to set up a payment arrangement of {$200.00} per month and informed her the first payment may be taken out of my account same day, XX/XX/XXXX. The remaining payments for each month may be taken out auto debit on the XXXX of each month. 

She informed me this is fine and that the payments will be set up for XXXX months and I must reach out in XX/XX/XXXX to update the payment arrangement. I agreed verbally. She read a contract for me to agree to, which I did say yes, I agree. 

On XX/XX/XXXX, I opened a letter received by mail from XXXX XXXX XXXX mentioning they are a debt collector for Navient Solutions LLC. My XXXX loans were transferred to them. 

This contradicts the agreement made on XX/XX/XXXX directly with Navient and the payment arrangement made by the deadline provided. 

While I spoke with XXXX, I told her by bank routing and account number to have the payment withdrawn from my XXXX account on XX/XX/XXXX, in the amount of {$200.00}. My XXXX account shows a Bill Pay Check in the amount of {$200.00} on XX/XX/XXXX. 

Prior, I was paying {$420.00} per month which haulted in XX/XX/XXXX due to financial hardship. 

I called Navient on XX/XX/XXXX to request to speak with an XXXX manager just before XXXX EST, and spoke with a gentleman explaining the situation and that I need to speak with a Navient representative and not to re-route me to XXXX XXXX XXXX XXXX The representative said he will transfer me over to the appropriate department. 

I have now been on hold for 40 minutes and Im not being connected to anyone. 

This is beyond unprofessional, unacceptable and a complete breach of contract which has now placed a greater strain on my credit score, being this debt was sent to collections. 

I request to have to recorded phone conversation on XX/XX/XXXX with XXXX, from Navient, to be reviewed. 

These XXXX loans should have never been sent to collections based on our conversation. She even provided me with great information to assist with possibly doing a settlement in XX/XX/XXXX, and said the settlement amount may be approved for {$15000.00}, depending on the down payment made. 

I have strategized my budget in an effort to keep my part of the agreement. 

Receiving this notice from collections about my student loans is a complete surprise and not at all what we discussed. 

It should have never been transferred to collections, and Im filing a formal complaint. 

Please also note, 55 minutes later after calling Navient, I am still on hold, no updates on the hold time, and I havent spoken to a representative regarding this very serious matter. 

Thank you.
Product: Credit card or prepaid card

When I opened this Credit card I did just by myself after I decide to add my ( wife ) at that time as a user she never sign with me as cosigner when get divorce I started receiving mail offers on both names, I called to inquiry why her name was on it and i was informed that she was a co-owner of the account ; I asked to investigate and remove her from this account since i was 100 % sure she never signed any Credit Card agreement with me they send me a form to remove her from the account even though she wasn't supposed to be there I asked her to sign the form and I fax it to Bank Of America time pass and i never got any response so i thought everything was ok, couple weeks ago she went to BOA to inquiry about a balance transfer and they told her she can use this account, when I saw this I immediately call them and explain the whole history again, they open a investigation and after some time the balance was put it back into my account whitout any notification until after i called. Called again and explain that this wasn't my fault but BOA since they just add her into my account without my knowledge and asked them to provide me with a copy of the card agreement to see if she ever sign any paper related to this account ; i was told if i want this I have to subpoena, i called again asking if i can speak with a manager this time the rep told me she was going to request a deep investigation and I told her to please notify me if they need any information ; 4 days later I received a notice that reads ( Unable to locate the application record base ) we regret we are unable to resolve this in your favor.. So know am stuck with a balance that doesn't legally belong to me and of course if I dont pay it my credit will be affect it. Am no trying to walk away from my financial responsibility, if she cosign with me I will accept it. But at his point I don't know if BOA will add someone else to one of my accounts and later I will be responsible for someone I don't even know ... Do I have to take their word for granted?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to Experian to bring to their attention numerous inaccuracies in my consumer report and file that are damaging. These negative and damaging information has caused me so much anxiety and many lost opportunities to apply for credit cards, buy a car or apply for a mortgage. 
According to the FDCRA 15 USC 1681 e ( b ) and 15 USC 1681 i ( a ) 1 ( A ) I'm requesting a reinvestigation into ALL the accounts mentioned in sent letter. As a consumer I am excercising my right to dispute this incorrect information.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX XXXX  XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Payday loan, title loan, personal loan, or advance loan

I took XXXX loans from scratchpay.com for sick animals. Over time, I paid the loan. At the time of the last payment on each loan, suddenly they dont want my credit card. I had to try to get them to bill the same card, but would not. The reason was largely because they had the incorrect information as to what was owned compared to what they wanted from the credit card. At the end, after it was paid, they reported the loans as write-offs, even though they were paid in full. The company refuses to justify the negative information on the credit report, nor correct it
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction with your lack of response to my previous complaints submitted on seven separate occasions. Despite my repeated attempts to address serious issues concerning my credit report, I have yet to receive any acknowledgment or resolution from your office, XXXX, EQUIFAX, XXXX I am currently a victim of identity theft, which has resulted in unauthorized accounts being opened in my name and subsequently reported on my credit file. Additionally, I have noticed collections appearing on my report that I did not authorize. These inaccuracies are significantly affecting my credit standing and causing me considerable distress. 

The Fair Credit Reporting Act ( FCRA ) entitles me to a prompt and thorough investigation of any disputed information on my credit report. Your continued failure to respond not only violates these rights but also exacerbates the financial and emotional toll of the identity theft I am experiencing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I made an online purchase from XXXX XXXX for {$1400.00}. The package was misdelivered since I requested a DIRECT signature and carrier instead dropped off the package to an unknown individual. Vendor refused to refund my funds. 

I called Bank of America on multiple occasions- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also visited the Bofa Branch located on XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/XXXX and XX/XX/XXXX. 

Bank of America customer department transferred me to Bill Pay dept and then Claims, and then Check fraud and then Deposits, then XXXX, etc. None of these many departments would allow me to file a claim under the Check 21 Act of 2004. I have been bounced around for hours with nobody really providing any help on this. The staff at this location also said they could not help me and that I needed to contact customer service. Bank of America has refused to investigate this claim and see that I did NOT receive the product I ordered. They violated my rights under this Act and refuse to do anything.
Product: Credit card or prepaid card

Citi Bank Mastercard just lowered my credit limit at the onset of a national disaster and global health emergency, reducing my buying power and ability to survive during a disaster, for no reason whatsoever. I had just made a {$500.00} payment on my credit card and suddenly I am at my credit limit because Citi decreased itt and I can not use the card in this time of emergency. Did Citi just lower everybody 's credit limit at the onset of a disaster to prevent us from being able to take care of ourselves in a disaster?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

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

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Jefferson Capital System - XX/XX/2023 They provide me with a report summary, which is not proof of ownership and the right to collection the debt. They communicate with me after a cease and desist was requested in the letter. They failed to provide me with the purchase agreement that lets me know who has had ownership of the debt. How they can collect on the debt, if they can sue on the debt. They ain't give it to me.
Product: Debt collection

I received a collections e-mail for someone else. The email contained information about the debt and person 's name. I attempted to contact the Caine & Weiner debt collection company to notify them of the mistake. I was unwilling to provide any personal information as I was not doing business with them. Instead of allowing me to notify them that they sent this information to the wrong person, the operator refused to proceed and terminated the call, saying I was not cooperating. I did not feel that they had a right to my information beyond the reference number on the email for the account.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding the unresolved disputed accounts on my credit report. Despite multiple requests for thorough investigation into the inaccuracies, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely affecting my credit file, causing considerable hardship and hindering my ability to manage my financial responsibilities. The ongoing presence of these inaccuracies has created significant challenges in my personal and financial life. 

I kindly request that you immediately investigate the reporting of these disputed accounts and take the necessary steps to update and rectify my credit report without further delay. It is crucial that these inaccuracies be addressed to restore the accuracy and integrity of my credit file. 

I sincerely urge you to treat this matter with the utmost urgency and appreciate your cooperation in resolving this issue swiftly. 

Thank you for your attention to this critical matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 hard inquiries on my credit report that I do not recognize. I have not applied for any kind of credit since I received my truck loan inXX/XX/2019.

The 3 companies are : XXXX/XXXX  XXXX, OR XXXX  ( XXXX  ) XXXX-XXXXXX/XX/2019 XXXX  XXXX, FL XXXX  ( XXXX  ) XXXX-XXXX   XX/XX/2019 XXXX  XXXX, TX XXXX  ( XXXX  ) XXXX-XXXX  XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

all 3 CRA reporting account of public records outdated reporting SINCE 2011, not my account/ never file bankruptcy, incorrect " PACER '' data and violates FCRA provision 605,607,611 and 623a
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity fraud. There are several accounts in my name that I have no knowledge of whatsoever. The accounts reported as 33 different accounts and are as listed : XXXX XXXX XXXX {$9900.00} open XX/XX/XXXX ; XXXX XXXX {$6600.00} XX/XX/XXXX ; XXXX XXXX XXXX   {$3500.00} XX/XX/XXXX ... there are several accounts reporting from XXXX XXXX XXXX/XXXX  from the year of XX/XX/XXXX-XX/XX/XXXX. By  law and statue of limitations, these accounts should not be reporting to my credit after 7 years. There are also several accounts reporting to my credit from XXXX XXXX XXXX/XXXX in amounts of {$2500.00}, {$3500.00}, and more. All accounts from this company are reporting from the years of XX/XX/XXXX-XX/XX/XXXX which also defied the statue of limitations for debt collection reporting. There are accounts reporting from XXXX XXXX from XX/XX/XXXX which should not be reporting. State of MI Office XXXX in the amount of {$6300.00}, this is a fraudulent account open XX/XX/XXXX. Theres a fraudulent Auto Loan opened from XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$31000.00}. There are multiple accounts reporting from XXXX XXXX XXXX XXXX /XXXX/XXXX  opened in XX/XX/XXXX that also break the XXXX.
Product: Credit reporting or other personal consumer reports

This a violation of 15 U.S code 168li ( 5 ) Removal of inaccurate/ invalidated credit information. please remove immediately.