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

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$220.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I do not know who they are. They never responded to me, it has been over 30 days. Their trade name Speedy and Rapid Cash, I have never borrow money from them or applied to them.
Product: Payday loan, title loan, personal loan, or advance loan

" I travel a lot outside the country XX/XX/year>, so I asked this bank to take my information to automatically pay off the credit. They responded that they could only schedule 3 future payments. Still, they charged late fees ( which were refunded ), and then they reported me to the credit bureau, which greatly lowered my score. Last week, I called them to have them use my bank account, and they still scheduled 3 payments after the due date, which would cause penalties again. Finally, an agent said that everything was placed incorrectly and that I should forget what I was told by other agents and re-schedule the payments on the dates and amounts required by the line of credit. I need them to rectify with the bureau that there was no delinquency in the payments. '' I need to have this company reverse the damage. 

Regards XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under Section 605C of the Fair Credit Reporting Act ( FCRA ), human trafficking victims have the right to remove adverse items from their credit report. However, they are refusing to send me a copy of my report, which prevents me from determining if there are any adverse items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX, XXXX XXXX and CB/VICSCRT. I have always made my payments on time. As you can see, I have always had a XXXX   payment record with this company. I tried contacting both XXXX, XXXX  and XXXX  and XXXX, XXXX XXXX  and CB/VICSCRT with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Persons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that any account that negatively reflects has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. Experian and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved if ALL derogatory information is not deleted from my consumer report within 30 days I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Original Information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Home Equity is Reporting Incorrect Info on Credit Report, Reporting ( 3 ) different Reports to each credit Bureau, All different reporting Good Months on Equifax and Showing 30 days late on same month reported good to other bureau, XXXX XXXX XXXX balance due is also different then credit report balance, shows XXXX but Bank XXXX XXXX Shows almost 80 a month, I Paid XXXX XX/XX/XXXX for XXXX and XXXX payments and did through window with teller, and XXXX showing 30 days late. How is this possible if i made a XXXX payment for 2 months at a time for a XXXX payment, An example they showed me late XXXX on XXXX and for same month reporting to Equifax im clear, In XXXX alone i have made XXXX in payments toward bill like i let the teller know when they take my payment for a XXXX bill that does not total XXXX in a year how is it possible to be late 3 out of 6 months, its not my fault teller put payment to principal not my payment, This has really messed up me getting a mortgage due to Mortgage lenders seeing me late on a XXXX payment for Home equity, this is unfair and does not make any sense, let me not get started how now they opened the account that has been closed for years and inside teller they say there a finance charge when account was closed forever, misterically is now open again, XXXX  XXXX XXXX is fraud itself and should be looked at, Lets goto XXXX they had me late the whole year however show payment history, keep in mind the payment is XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX however on Credit Report showing late the first 7 months how is this possible with those payments, i dont have online banking they say my account is closed so i need to pay with teller where is teller putting my payments im trusting another person who does not care about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting shows a past due balance on a charged off account. How can there be a past due balance when the account has been written off? I have requested several times for this inaccurate information to be deleted yet it has not.
Product: Checking or savings account

I opened this account on XX/XX/25 under a promotional offer of {$400.00} for depositing and maintaining a {$15000.00} balance for 60 days. 

The funds posted to Citibank on XXXX and were maintained for 60 days. 

I contacted them today and they are now trying to say there is no offer on my account. Despite me signing up under their promotional link and offer. I read the full offer terms prior to entering my information and completed them all.
Product: Credit reporting or other personal consumer reports

i sent a letter to Experian to dispute incorrect personal information back on XX/XX/XXXX  but have yet to receive any knowledget that my dispute was being processed.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX 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

On Monday XX/XX/2021 at XXXX ( EST ), I received two emails from XXXX XXXX XXXX  confirming opening of both a checking account and a savings account. Both accounts were opened fraudulently. XXXX XXXX XXXX  ( and XXXX - read below ) allowed both accounts to be opened even though I have identity theft flags on my credit reports which I updated through the CFPB consumer portal in XXXX ( 2021 ) as a result of XXXX allowing a checking account to be opened. I immediately called XXXX XXXX and was transferred to a rather combative CS Manager in XXXX XXXX XXXX fraud department who went so far as to say to me ( on a recorded call ) that " [ he ] didn't have time to stay on the phone '' when I began asking him questions about how the account was opened?, was it opened online or at a branch?, what proof of identity was provided to open the accounts?, how were the accounts opened when I have identity theft flags on my reports as a result of the XXXX breach ( and considering I updated the identity theft flags notifying all three credit bureaus that fraudulent accounts were opened )? He said I would receive a letter in the mail in XXXX days but claimed, contrary to FTC regulations , that XXXX XXXX would not provide me the information of how the accounts were opened, what identity information was used to open the accounts, what federally mandated ID was provided to open the accounts, etc... XXXX XXXX you will provide me with the information about how the accounts were opened. I ask the CS manager who 'approved " the accounts being opened and he specifically named XXXX ( again, this is a recorded call ), thus XXXX XXXX has twice now, first with XXXX and now XXXX XXXX XXXX, within a XXXX period, approved fraudulent accounts being opened, EVEN THOUGH ALL THREE OF MY CREDIT REPORTS ARE LOCKED and even though my credit reports have been flagged for identity theft since I received notification of the XXXX XXXX  breach... 

I spent nearly 1.5 hours at a XXXX branch, thus face-to-face and with the Branch Manager, being put through the hoops to open accounts because of the identity theft flags, YET XXXX has, twice , approved online accounts to be opened. 

I am adding XXXX and Experian to the complaint for notification purposes.
Product: Credit reporting or other personal consumer reports

Just got a closing of another complaint with not fixing g the problem
Product: Student loan

My federal loans were on an unemployment deferment. The deferment expired while my XXXX XXXX husband was on maneuvers and I was in another state XXXX XXXX to our XXXX  child. The loans have now entered into default and I request rehabilitation. 

But I don't want to ratify the amount Coast demands and I can not agree to any payment plan until I know the precise nature of the charges Coast Professional demands from me. 

The numbers do not add up. 

Will you please explain : 1. Why the principal amount increased 2. The percentage of interest charged and calculated month over month / year that resulted in the Outstanding Interest amount annotated on the NSLDS. 

My forbearance letter dated XX/XX/XXXX with deferment start date XX/XX/XXXX ending XX/XX/XXXX indicates the current principal balance as follows : Loan Disbursed Date Current Principal Balance XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX TOTAL XXXX The NSLDS as of XX/XX/XXXX indicates my outstanding principal as follows : Loan Disbursed Outstanding Outstanding Date Amt Principal Balance Interest XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Total XXXX XXXX XXXX The Default Resolution Group indicates my principal amount as : {$60000.00} This debt collector is demanding over {$90000.00}! Over {$13000.00} is listed quite ambiguously as " *Fees and costs ''. 
I want the debt substantiated with a precise explanation of the amounts demanded. I then want rehabilitation to get my loans back on track and manageable.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XX/XX/XXXX, I NOTICED ALL THREE OF MY CREDIT SCORES WENT TO ZERO. AFTER TALKING TO THE CREDIT AGENCY 'S I FOUND OUT THAT ONE MAIN FINANCIAL REPORTED TO ALL THREE CREDIT AGENCY 'S THAT I WAS " DECEASED ''. 
I SPOKE TO ONE MAIN AND THEY ASSURED ME THE ISSUE WOULD BE SOLVED. IT WAS AND MY CREDIT SCORES WENT BACK TO NORMAL. 
THEN AGAIN IN XX/XX/XXXX, THIS HAPEENED AGAIN. THIS TIME RESULTING IN SOME OF MY OTHER CREDITOR 'S CLOSING MY ACCOUNTS BECAUSE I WAS REPORTED DECEASED BY ONE MAIN FINANCIAL. 
I SPOKE WITH ONE MAIN AND THEY SAID THAT THEY TRIED TO RESOLVE IT BUT FOR SOME REASON IT DID NOT UPDATE CURRENTLY. 
MY XXXX AND XXXX SCORE HAVE BEEN RESTROED, ALTHOUGH LOWER THEN THEY WERE, BUT XXXX IS STILL SHOWING MY CREDIT SCORE IS A ONE. I HAVE APLLIED FPR CREDIT AND I AM BEING DENIED BECAUSE OF " NO CREDIT HISTORY ''.
Product: Student loan

When I consolidated my student loan debt in XXXX, my XXXX XXXX XXXX, issued by XXXX XXXX, XXXX, WA of {$2700.00} was omitted in err. I had no idea this loan had been left out until it was placed in the hands of collection agency, FAI in XXXX, WA. I made a financial arrangement of {$200.00} per month. When I inquired about a statement of account, I was ignored, time and time again. I stopped paying after 7 months of payments, as I was concerned about the total of the debt and how my payments were applied. In XXXX, a lien was placed on my home for {$5600.00} ish, with finance charges still acruing. I had no idea that a lien was placed until I recently ( last month ) put my home on the market to sell. FAI and XXXX XXXX have both been unresponsive as I have tried to inquire about the amount of debt. I would like to resolve this debt but feel the payoff amount is excessive and unfair. Please advise.
Product: Checking or savings account

XX/XX/XXXX {$20000.00} withdrawn from checking account. On same date withdrew {$15000.00} from Certificate of Deposit. Bank stated amount could not be reimbursed. Follow-up in XXXX  when filing taxes for IRS. Tax preparer advised me to look into matter because withdrawal was related to loss in earned income. Reason given was it was a banking issue. Spoke with representative from the bank and was told that it was unlikey that the bank could do anything about the reimbursement issue since it was outside of the time frame to file complaint. Additionally I was contacted by the local police department, to pursue the matter since I filed with the department and followed the procedures as instructed. The police department contacted the bank and requested more action be taken. The last contact was made on XX/XX/XXXX with the bank by me. I would like assistance to guide me on what should be done.
Product: Debt collection

XX/XX/2021 Company called from phone number ending XXXX. Refused to tell me this was an attempt to collect a debt, after confirming identity. The rep Interrupted me when I attempted to say if this is an attempted to collect a debt discontinue calling me and to only contact me by mail. Spoke over me and Continued to say that it was a personal business matter. Wanted me to confirm personal information. I asked several time what does your company do and what the personal business matter was concerning. Ended call by saying if this is attempt to collect a debt discontinue calling me and to only contact me by mail. 
XX/XX/2021 Called from phone number ending in XXXX. rep refused to give his name or address of the company he represented after I confirmed my identity. Rep wanted me to confirm personal information. I refused several times, as I am not required by law. I asked 3 times if this is an attempt to collect a debt discontinue calling and to only contact by mail. The rep hung up during my 3rd request to discontinue calling. Company has refused to comply with my request. 

This complaint is to serve as official documentation of harassment by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look at my contract never did a agree that a XXXX monthly payment
Product: Debt collection

Hello, Receivables Management Corp., located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, South Carolina XXXX, appears to be in violation of the Fair Credit Reporting Act. Receivables Management Corp. placed a negative collection account on my XXXX  credit report, that I have no knowledge of, without notifying me before placing the collection account. I was not allowed to validate this alleged debt prior to the company reporting it to the credit bureaus which is substantially damaging my credit. Prior to Receivables Management Corp. placing the negative item on my reports, they made no attempts to reach me regarding the alleged debt. This alleged debt is also listed on my credit report with the Open Date as INVALID DATE and original creditor XXXX XXXX XXXX. I have no knowledge of either of these two companies and it appears that Receivables Management Corp. is continuing to report a negative account without complete or accurate information. There is no basis in law that gives this company or XXXX the right to place a negative unverified collection against me without adequately confirming the debt truly belongs to the individual FIRST. Therefore, I would like for this company to delete the negative listing and cease reporting this erroneous account to the credit bureaus.
Product: Credit reporting or other personal consumer reports

Following the Fair Credit Reporting Act, the list of unauthorized inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, the unauthorized inquiries below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C1681c. ( 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 ) ( a ) 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. Please delete the unauthorized inquiries listed below : Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/year>, Equifax. 
Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/year>, Equifax. Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/year>, Equifax. 
Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/year>, Equifax. 
Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/year>, Equifax. 
Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/year>, Equifax.
Product: Credit reporting or other personal consumer reports

CFPB Writeup : 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.I told XXXX, XXXX, and Equifax to reinvestigate these 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 But I do not recognize these account and a lot of them are showing up 2-6 times. I did not authorize or sign anything to have my credit pulled. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Mortgage

XXXX it's my complain that I did submitted and trying to get help. 
Not sure if provide enough information, but humiliated and hurted, as well as my family members, parents, kids ( 3 ) .All I asked from BOA is modify loan to lower payment in 2010 when got divorce.I had great credit and good stable income. I feel that was drugged into scam and BOA made everything possible to fail modification and delay, so I had to fight against bank by providing all nessary information and documents on time, but they kept on loosing them, misplacing, and changed file managers, and blame on different workers.So they got me behind and first response was- not able to modify loan due to increased amount due.I kept on trying to get justice and kept home for 9 years, but in XXXX nothing I could do, Loan was transferred to XXXXXX/XX/XXXX( they demanded totall payment on mortgage in one payment.They foreclosed and sold our home.That 's not fair, I understand that all banks have great attorneys, and they can find any reason to stop me from getting my house back.If BOA didn't fraud modification process, I would kept my house for my kids and my parents. I wish nobody will be treated like us, but sure it's a lots of victims of mortgage modification fraud and fraudelent foreclosure.Damaged credit, high Dept instead of lower mortgage payment!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 three 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.