23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I began making payments in XXXX of XXXX. I have consistently made payments without fail. I have continuously worked for a state during this time. I consistently filed XXXX verification forms for calculation purposes along the way, especially when I changed jobs in XXXX and XXXX. Consistently, it has shown that my final payment will be made XX/XX/XXXX. ( I wasn't going to debate a single month 's error. ) When I hit the seven year mark, where my bank would no longer have the records of my first year of payment, Fed Loan Servicing sent me a XXXX calculation showing that the final payment would be made in XX/XX/XXXX. Suddenly, the company is claiming that I was given a year 's grant and didn't make my first payment until XX/XX/XXXX. Neither of these facts are true. 

My job was eliminated in XX/XX/XXXX, and I specifically took a job in Colorado to keep myself in the XXXX program. During this move, my computer with my copies of the XXXX calculations showing my payments was damaged and the files can not be recovered. 

I have asked Fed Loan Servicing to provide me with all copies of the XXXX forms that it has provided me over the past nine years. It has refused to do so. It is ignoring my concerns and requests. I know student loan companies are unethical and predatory, but this is patent theft and abuse.
Product: Credit reporting or other personal consumer reports

This consumer advised they would remove account once account was satisfied I paid the account off however the deletion of the account did not take place.
Product: Credit reporting or other personal consumer reports

I have requested to have XXXX XXXX XXXX XXXX  and credit one removed from my reports. They do not belong to me. 


I also have tried without success to remove all unauthorized inquires from my reports. 

XXXX XXXX XXXX XXXX The other names and social security numbers on my reports do not belong to me and wish to have them removed as well
Product: Debt collection

I do not acknowledge any liability for this debt in any form. However the company is reporting to the 3 credit bureaus & I requested to pay to delete. This company emailed me back stating they do not have this debt. Im asking to have this account deleted from my credit report.
Product: Debt collection

I was at work and the person never would identify himself and kept asking me to identify myself, and when I did, I informed him that I needed to know who I was speaking with, he got smart and said I told you who I was and stated XXXX XXXX from Wells Fargo. As I told him it was put in writing not to contact me and you should not be contacting me, he stated that he was calling in regards to collecting a debt, and I stated again that Wells Fargo and the collection agencies that they have hired know not to call and he acted like it did not apply to him and kept harassing me with conversation regarding a debt, I am at work and I hung up and submitted this complaint
Product: Credit reporting or other personal consumer reports

Is had a positive XXXX screen, But I don't understand why. I have not done drugs. This is an accurate. They also said I had XXXX XXXX XXXX. When to the emergency room. They told me I was just having an XXXX tech. Now let 's say I have a positive drug screen for XXXX. I do not use XXXX nor have I ever consumed it. I would like to dispute the drug screen.
Product: Debt collection

On XXXX XXXX I received a copy of my consumer report and I recognized multiple accounts listed on my consumer report fraudulently. National credit systems acct # XXXX XXXX acct # XXXX according to the FDCPA 15 USC 1692j ( a ) it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank is falsely reporting my account as 30 days past due to the 3 major credit bureaus. I disputed via XXXX twice in the last 3 weeks - included a screen shot from the XXXX XXXX website, showing that my account is current. Just yesterday, I received confirmation from XXXX that the creditor has verified that my account is 30 days / {$230.00} past due as of XX/XX/XXXX. I have a print screen ( dated XX/XX/XXXX - attached ) showing my account is current. I contacted XXXX directly on XX/XX/XXXX, at which time I was instructed to fax my screen shot to XXXX 's customer service department at XXXX XXXX XXXX for review. I did so on XX/XX/XXXX, yet the company still reports my account as past due. Further, my account has been paid every month since account opening - never been past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, XXXX XXXX alerted me to a new inquiry on my credit report with XXXX. This Hard Inquiry was from XXXX XXXX with which I have no relationship ( never did ) and I had not authorized this request. I submitted a dispute with XXXX, however they refuse to remove it from my report. Subsequently, I received a letter from XXXX XXXX XXXX XXXX ( attached ) telling me that they have received a request to open an account which XXXX XXXX believes is fraudulent. Therefore, I filed a report with identitytheft.gov which instructed me to request my Credit Report from ChexSytems. This report ( attached ) shows 6 other banks/credit unions which have requested inquiries, NONE of which are from me. These requests have inaccurate phone numbers and SS numbers on most of them. I realized that the problem was much bigger than I thought -- -hence, I am filing this report.
Product: Checking or savings account

Citi bank closed my account about two weeks ago without any specific reasons being provided. I tried to have them figure the issue and reopen the account. However, I received response that they have decided to terminate their bank relationship with me. Then I tried several times to speak with their representatives about the funds left in the account at the time of closure. However, they said they will hold my funds for 30-60 days, after the account closure process is completed. One of their representatives told me that I could go to the branch in person to see if they could release the funds at their discretion. This wasted me another 2 hours as I was told in branch that they have no authority to do that.The representatives said that the money was all belongs to me, which is confirmed and documented.This means that theres no existing claims against my account. I asked for the legitimate reason for them to hold my account and received that this was for the checks to clear, the automatic deposits are canceled etc. Finally I asked if they could send a check to my new address which is different from the address on file. Also rejected. This way I might not be able to even get the money back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Have Removed the XXXX off my Consumer Report as of XX/XX/year> and XXXX and Transunion have not removed the XXXX  off my report as it a violation of Rights and Privacy according to USC 1681 Section 602A Please Remove XXXX  off XXXX Report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions. 

XXXX XXXX XXXX XXXX of {$1100.00}
Product: Payday loan, title loan, or personal loan

I emailed Stepstone Credit in XXXX, TX on XXXX XXXX and let them know the application was a fraud and I had filed a police report. They continue to processes the application. I have my emails letting them know and so do the police department. 

My identity has been stolen and they are going to all fast cash places. 

I was able stop another payday loan company from processes the application and have that email. They were willing to work with me. 

XXXX XXXX had collection agency put a lien on my credit report. I was able to prove it wasn't me. At that time they didn't have my date of birth. They do now.
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX XX/XX/year> ADDRESS : XXXX XXXX CT, XXXX, GA XXXX TO WHOM IT MAY CONCERN, THIS IS ABOUT THE INACCURACY THAT IS INEQUITABLY FURNISHED BY YOUR ORGANIZATION ON MY CONSUMER REPORT. DUE TO THIS INACCURACY, MY RIGHT TO EXTEND CREDIT HAS BEEN DAMAGED TO A GREAT EXTENT. AS A RESULT, I WAS DISCRIMINATED AGAINST AND MY FAMILY AND I HAVE BEEN FACING FINANCIAL HARDSHIP.

ACCORDING TO 15 USC 1681 ( A ) ( 3 ), CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMERS. 


THERE IS NO SUCH LAW THAT STATES ANYTHING THAT NEEDS TO BE REPORTED TO A CONSUMER REPORTING AGENCY. THEREFORE, YOUR ORGANIZATION IS LIABLE. 

PURSUANT TO 15 USC 1681 ( A ) ( 4 ), A CONSUMER REPORTING AGENCY MUST EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY. 

15 USC 1681E ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

THIS IS ALSO VIOLATING THE IRS CODE FOR DISCHARGED AND CHARGE OFF DEBTS. ONCE THE DEBT IS IN THE CHARGE OFF STATUS IT AUTOMATICALLY BECOMES INCOME FOR THE CONSUMER AND IT IS UNLAWFUL TO REPORT INCOME TO CONSUMER REPORTS. 

YOUR ORGANIZATION NEITHER EXERCISED ITS RESPONSIBILITIES WITH FAIRNESS AND IMPARTIALITY NOR PROTECTED MY RIGHT TO PRIVACY. 

I AM DEMANDING YOU TO GIVE ME A PIECE OF EVIDENCE THAT THE INFORMATION WHICH IS BEING REPORTED HAS BEEN PROPERLY INVESTIGATED. ALSO, PROVIDE ME WITH THE DETAIL OF THE SYSTEM ADOPTED BY YOUR ORGANIZATION TO DETERMINE WHETER THE TRANSACTION TOOK PLACE OR NOT. 

PURSUANT TO 15 USC 1681 ( A ) ( B ) YOUR ORGANIZATION DID NOT ADOPT SUCH PROCEDURES THAT MEET THE NEED OF COMMERCE FOR CONSUMER CREDIT. AS A RESULT, I HEREBY DEMAND THE DELETION OF THE FOLLOWING ; XXXX CREDIT XXXX BANK XXXX XXXX. XXXX BANK XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX THANK YOU FOR YOUR COOPERATION. 

SINCERELY, XXXX XXXX
Product: Debt collection

we just have this debt, after our bankruptcy. and this was only c/o under our name. we are not responsible for these, they keep on sending these letter to us and made so stressful. we dont have to settle this. and that american honda they sent letter to us that theyve been sold the vehicle. if they sold it, why do they have to collect on us. its our ex friend who owned it from them. but they relocated and theres no way to get in touch with them. we are victims only. please help us to stop collecting & charging us for debts that was not literally belongs to us. We are victims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is violating my rights per the Fair Credit Reporting Act ( FCRA ) because they have not validated the debts they reporting. I numbered some Transunion credit reports to refer to in this complaint. 

1. I have sent several letters to Transunion ( four are attached to this complaint ) highlighted yellow requesting them to sent requested information ( a description of how the reinvestigation was conducted along with the business name, employee name, address, and phone number of the furnished of the disputed information, so I can follow up with them ) in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VL, Section 611, Subsection A-D. Transunion have never send me the requested information. I am requesting validation not verification. Please send validation of these debts 2. They took over 60 days to complete the investigation because they never sent out the information requested after the investigation per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact PayPal for years. Yet they only respond on email claiming they have called yet has never called. 



I had a seller account on XXXX which is operating payments through PayPal. 

On XX/XX/XXXX the buyer in the document included purchased an XXXX  XXXX from me. 
Item was shipped and received perfectly fine. Even though purchase had a no refund and no return policy. The buyer waited XXXX XXXX  to them advisXXXX XXXX XXXX XXXX XXXX  Beyond his knowledge the phone is brand new, being that I had lost mine prior to my contract ending and had to be sent a new one. Paypal ruled the case in the buyers favor and approved him to return the device. Which I have still not received my phone back. The customer stole my phone and sent me back a phone screen glass. In dispute I immediately contacted paypal and advised of the issue. Then they advised I had till a certain date to get police report. Even though the date hadnt passed paypal went against what was advised an closed case early and refunded client even though I have included pictures of what was returned to me. 


I would like to proceed with all necessary to be refunded for my phone as well as compensation for this inconvenience, stress and all the incorrect info being reported to the credit bureaus. Not only they did not protect me as a seller. They also helped a person steal from me. I will Include all the documents PayPal also received for this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a debt reported on Credit report with Nordstroms through their third party collector. I am in the process of a mortgage. I am know being denied a mortgage because Nordstroms and the credit agencies refuse to update the information. I have contracted Nordstroms, the credit agencies and opened disputes all have been closed. The charge off appears on my credit report lowering my score showing unpaid. The creditors refuse to update the file with correct information and are violating the FCRA and resulting in me and my children possibly not having a home to live in as our lease is set to expire. Your help is greatly appreciated. 

Payment cleared my financial institute on XX/XX/2020. XXXX  and XXXX  have both denied my disputes and refused to update my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies are reporting inaccurate address information on my consumer file. I've mailed in dispute letters. I'm not sure why their employees always mentioned to contact the creditor as if I the consumer control what information the creditor reports. FCRA gives me the right to dispute directly with the consumer reporting agencies by federal law to make sure the information is fair & accurate. My address should only show " XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX '' as it is correctly accurate. 

Delete XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX from my consumer report as it is inaccurate information reporting. You are all in violation FCRA under 15 U.S.C. 1681
Product: Debt collection

The company is trying to collect debts they claim are mines and refuses to send enough information I requested so I can move forward to settle the debts if they are mines. I fax the two times. and wrote complaints two times on cfpb to resolve the problem hoping they will comply with me threw this site. Still, the refuses to do so. to my knowledge the debts are not, mines and they may remove the debts they can not provide more information about from my credit report NOW. they have flagged the account on all three bureaus as like this is a game damaging a person credit for something the refuse to provide when the documents the original creditors gave them are sitting on their desk. The told me to go and actually do a run around for something they can scan, print and mail out or reply to my complaints on XXXX. I am injured and I have told them that. The place they claim I have look it up and it is out of my county. Again I will dispute this with the credit bureaus with the same documents requested. they have 30 days to send me those documents so I can handle my the debts are trying to collect if it is true it is mines. They are the ones reporting it to my credit report and they are the only ones to remove it from my credit files. Also they can provide me a contract signed with the original creditor stating that I will pay the debts. And the last statements from the originals creditors showing the dates and how the amounts are total. the amounts XXXX  are trying to collect has the same amount {$980.00} for three accounts. I want the to make me believe the debts are mine. Sorry for the hard time but im not paying for something that is not mines. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested all3 copies of my credit reports. When I received then there was multiple errors on all3. I called and corrected most of the information. Such as addresses.. Mispellings of babes.. Ss numbers that wet not mine. Etc. I also found an account that was not mine and got that deleted. The problem I 'm having. Is I have inquiries on my repirt that are still not mine. I contacted XXXX. XXXX and XXXX. Along with the actual companies and no-one is helping me. I know my rights as a consumer and sent proof of identity theft. I put several alerts on my credit reports and still this inquiries are there. These are the ones from XX/XX/XXXX to XX/XX/XXXX. I gave no permission for these to be on my report. According to the FCRA rules these must be andresponded back to me. Since the letter I sent wad only4 days apart. I know an investigation was not done. I plan on purchasing a home later this year and with all these on my report it shows that my credit worthiness is not good and a sign of financial trouble. that is not fair to me because these are not my enquiries. I am submitting this report due to lack of Investigation on my hard inquiries  that were not done by me. I did not sign for anything. These are unfair practices by a credit reporting agency with no concern. For the credit worthiness of the consumer
Product: Credit card or prepaid card

See attached file for a complete description of what has transpired for over a year
Product: Credit card or prepaid card

XX/XX/2021 - purchased XXXX XXXX XXXX in XXXX XXXXXXXX XXXX ITEM # : XXXX and additional insurance for {$1700.00}, as a XXXX gift for my wife. Due to delivery issues we were informed the item would not be delivered until XXXX, which caused me to call in and cancel the order. We were advised to refuse delivery and return to sender. We are still yet to get a credit back to our credit card even after receiving and forwarding the confirmation email of acknowledgment of the return being received after sending numerous dispute letters back to the company. We are being told every time we call that a refund was generated on the last date we called and to check back in 5 business days. SAME STORY EVERY TIME!!!!! We have been making minimal payments for 8 months now for a bike that we have never even seen!!!
Product: Credit reporting or other personal consumer reports

I checked my XXXX XXXX account and notice that I have an inquiry on my personal credit report that I did not authorize. The inquiry is from a company by the name of XXXX XXXX XXXX XXXX XXXX for XX/XX/2024. I immediately called Equifax, to inform them of this inquiry concern. An Equifax agent told me to make a complaint with FTC.gov, identitytheft.gov, and to go online to their dispute center to upload the documents. The agent mentioned that, by doing this, they would be able to dispute the inquiry right away. 

Note : The agent that I spoke with told me to go online to their website, in order to request a credit freeze. Without guidance, I had to figure out how to put a freeze on my account, as well as place a fraud alert on my account. This includes conducting my own research to get the telephone number for XXXXXXXX XXXX XXXXXXXX ; agent would not provide it to me. 

Note : I called XXXX XXXXXXXX XXXX XXXX and was told that my information was not on file and they are unable to help me due to no information being in their system. Also, I mailed out more needed documents that the Equifax agent requested from me ; mailed to the address the agent provided me. This includes copies of my drivers license, social security number, FTC report, cover letter etc.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Transunion for a verification of everything on my credit report for the account name, XXXX for account number # XXXX on my credit report. They stated everything was accurate. But I did a through research myself and found inaccurate information. Notice that date opened on Transunion says XX/XX/2020 and XXXX says XX/XX/2020. 

In accordance with the fair credit reporting act, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Violation of the Fair Credit Reporting Act ( XXXX ) Your company denied my claims of fraud for a negative account and verified the account is reporting accurately. My claims were not reported in error, and you are violating my rights has a federally protected consumer. 

It is against the law to report any information that is not PROVEN as accurate. You are required to provide evidence of your allegations to deny my request associated with the account below : PLEASE REMOVE THE FOLLOWING ACCOUNTS REPORTING THAT SHOULD BE EXCLUDED THATCONTAINS TRANSACTIONS EXPERIENCES PER VIOLATION 15 U.S.C. 1681 ( a ) ( 2 ) Account Name Account # XXXX XXXX XXXX My personal financial information was obtained without my permission which qualifies as identity theft. Thus, a violation pursuant to 15 USC 1681c-2. Block of information resulting from identity theft. 

Enclosed : XXXX. FTC Report XXXX. Copy of Driver License