23daVinci/CFPB_Complaints huggingface dataset:
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  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

all theses address are being repoted that i never lived there XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX NJ XXXXXXXX XXXX XXXXXXXX NJ XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$540000.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$58000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent my dispute letter XX/XX/2022 stating that my Fair credit reporting act rights had been violated ( 15 US 1681, 1681b ) and that 1681n -the civil liability law states that my damages {$1000.00} per violation. 
I spoke to several representative ex- XXXX XXXX ( supervisor ) Even though I was calling regarding the file # they issued # XXXX they did not acknowledge my rights were violated over 60 days has past.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX 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 or other personal consumer reports

TD auto in companys Statements in the investigation clearly states that the account was paid in full and that they have a duty to report accurately following the FCRA guidelines. In review of my credit report they are not in accordance with this law.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These items remain unverified and raise serious concerns about their legitimacy . I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do have a loan with CNAC/XXXX but it was already closed and marked as Charge-off. I have been asking for the complete payment history of this account for me to review it but my request has not been granted and this erroneous information keeps on hurting my scores. I tried reaching out to both XXXX and XXXX, and CNAC/XXXX with no successful resolution. There was definitely an error on their part. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, bal. {$670.00} XXXX XXXX XXXX  XXXX, opened XX/XX/XXXX, bal. {$2800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report last night and noticed that there was a new collection that appeared on my account from I.C. System, INc. XXXX ( XXXX XXXX ). It shows the date it was opened as XX/XX/year>XXXX  and shows a balance of {$280.00}. I have never done any business with this company, and have not received a letter stating that I owed a debt to them. Nothing was mailed to my place of residence prior to after this was added to my credit report. I have received zero correspondence as to this collection. By law, they are required to send correspondence informing me of the debt and giving me an opportunity to request additional information regarding the debt. This was never done. I have not received an original agreement between me and this business. I have not received a bill or any account statements showing payments or proof that this is my debt.
Product: Debt collection

I first asked the cred itor Jefferson Capital Systems to verify the  debt, they are collecting on behalf of  XXXX . I asked them to provide me with a billing statement to verify all charges from  XXXX , my account number from  XXXX  and the types of services I had. They failed to do this. I disputed this on my credit report as inaccurate info. The Credit Bureau responded and said that the information was accurate. I no longer disputed it and stated that it 's not under dispute anymore ; however, the collection agency sent me an actual copy on my credit report and I noticed that the information they have reported still is n't accurate and does n't make sense. They said the collection account was opened  XXXX . They are reporting that the date of first delinquency was  XXXX  which is incorrect because I still had services with  XXXX  in  XXXX  of   XXXX   and the account was active and open and not delinquent. They also reported that the date the first major delinquency was report was  XXXX , so if this is the case then how was the collection account opened before the first major delinquency was even reported. The dates are conflicting and it makes no sense and I requested the Credit Bureaus remove this inaccurate conflicting info but they still have refused to do so.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights per 15USC-1681-602-604A SEC 2 : I have a right to privacy thus a consumer report agency can not furnish an account without my written instructions.

In accordance with 15USC 0 1666B : A creditor may not treat a payment/Credit Card account under and open ended consumer plan as late for any purpose. 

XXXX. XXXX {$3400.00} DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX  {$1600.00} XX/XX/XXXX XXXX. XXXX XXXX {$430.00}. XX/XX/XXXX XXXX XXXX. {$3300.00}. XX/XX/XXXX, XX/XX/XXXX XXXX. Barclays Bank Delaware {$8400.00}. Charged off {$6700.00} XXXX XX/XX/XXXX XXXX. XXXX. {$98000.00} Charged off XX/XX/XXXX
Product: Debt collection

XX/XX/XXXX Mailed in disputes to credit bureau ( XXXX, XXXX, and XXXX   ) for unknown account at Portfolio Recovery Assoicates and XXXX XXXX ( XXXX   ) for amounts of {$590.00} that appeared on my credit report. 

XX/XX/XXXX Mailed certified letter to Portfolio Recovery Assoicates and XXXX XXXX ( XXXX  ) letting them know that account was not opened by me and ask for signed contract of me agreeing to this account. All they sent back was Summary of account statements and that is not accurate. 

XX/XX/XXXX Mailed all information to credit bureau ( XXXX, XXXX, and XXXX ) asking them to delete information due to account is not verifiable and not accurate and its still reporting on credit.
Product: Credit reporting or other personal consumer reports

The credit cards below have a XXXX balance yet my credit reports are showing a balance. The accounts below are wrong. 

XXXX XXXX XXXX XXXX XXXX  {$3000.00} out of {$3700.00} 80 % XXXX XXXX XXXX {$1300.00} out of {$1900.00} 71 % XXXX XXXX {$200.00} out of {$300.00} 69 % XXXX XXXX XXXX {$470.00} out of {$800.00} 59 % XXXX XXXX {$4800.00} out of {$8300.00} 59 % XXXX XXXX XXXX {$2600.00} out of {$5000.00} 52 % XXXX  {$1100.00} out of {$2800.00} 39 % XXXX XXXX {$280.00} out of {$900.00} 32 % XXXX XXXXXXXX XXXX XXXX {$430.00} out of {$1400.00} 31 % XXXX {$310.00} out of {$1200.00} 27 %
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 inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX -Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX -Date of inquiry : XX/XX/XXXX XXXX -Date of inquiry : XX/XX/XXXX XXXX XXXX -Date of XXXX : XX/XX/XXXX XXXX XXXXXXXX -Date of XXXX XXXX XX/XX/XXXX XXXX XXXX  -Date of inquiry : XX/XX/XXXX XXXX  -Date of inquiry : XX/XX/XXXX XXXX  -Date of inquiry : XX/XX/XXXX XXXX  -Date of inquiry : XX/XX/XXXX XXXX  XXXX -Date of inquiry : XX/XX/XXXX
Product: Debt collection

Invalid debt, but kept threatening to hit my credit if I didn't pay, I paid them and they reassured it wouldn't hurt my credit or impact would be minimal. Completely destroyed an 800+ credit score down to XXXX and is causing an undue burden on my growing family as we are now unable to buy a home. 

I have 15 years of absolutely perfect credit history and this one inaccurate and misleading blemish is detrimental. 

Please help in removing this from my credit history ASAP. 

Thanks, XXXX
Product: Debt collection

The company TEK-COLLECT INC is trying to collect a debt on behalf of the original creditor XXXX XXXX XXXX unfortunately the company listed above XXXX XXXX XXXX XXXX XXXX  DOES NOT exist and has went bankrupt in XX/XX/year>. The collection agency TEK-COLLECT INC can not collect a debt on behalf of a company that no longer exists ; the account is nonexistent with XXXX XXXX XXXX and the debt does not exist.
Product: Credit reporting or other personal consumer reports

I have been a current and paying customer of XXXX, and at no point has my account been delinquent or in collections. However, XXXX has falsely reported a late payment and/or collection to the credit bureaus, which is negatively impacting my XXXX XXXX. I have addressed this multiple times with their XXXX team which is their security department. I have a complaint/service escalation ticket with them ( ticket number XXXX ) I have contacted XXXX directly multiple times to dispute this incorrect information and have not received proper resolution. Under the FCRA ( 15 U.S.C. 1681s-2 ), furnishers of credit information must ensure the accuracy of the data they report. Since XXXX has failed to correct this false reporting, I am requesting that the CFPB investigate this matter and enforce compliance. 

I request the following actions : An immediate investigation into XXXX false reporting practices. 

The removal of this inaccurate late payment collection from my credit report. 

Confirmation from XXXX and the credit bureaus that my account is accurately reflected as current and paid. 

Attached are copies of my most recent XXXX billing statements proving my account is in good standing, as well as prior correspondence regarding my dispute. 

Please inform me of any updates regarding this complaint. Thank you for your time and assistance in ensuring that my consumer rights are upheld.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and this account does not belong to me
Product: Credit reporting or other personal consumer reports

I am a natural person, my name is XXXX XXXX, and I am a victim of Identity theft. The credit reporting agencies has violated my natural rights numerous of times as well as my rights to privacy. They need to remove the false accounts from my credit report or I will take further legal actions against them.
Product: Vehicle loan or lease

Exeter will not allow me to make payments on my loan. They want to repossess it and continue to charge fees in extreme access. 
They refuse payments and want the balance in full after paying over {$12000.00} over 4 years. This is unfair.
Product: Debt collection

I am writing to file a complaint against Jefferson Capital System for violating my rights under the following laws : 12 CFR 1006.34 ( b ) ( 5 ) : Jefferson Capital has not provided validation information, but yet have placed a collection on my credit report. 

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the chance to dispute the account.

12 CFR 1006.34 ( d ) : and 15 UFC 1681 S 2 ( 7 ) ( A ) : A collection agency has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law, which they are in clear violation of.
Product: Student loan

We tired extremely hard working with Salle Mae they refuse, they robo call us daily sometime 10 times daily, ringing us all day
Product: Checking or savings account

I deposited a XXXX  check in the amount of {$15000.00} in XXXX  on XX/XX/2022. The conversion rate that they used was XXXX which is incorrect because the conversion rate should have been at least XXXX. Both of my sisters received the same amount ( this was an estate check from my mom ) and they received more than XXXX and I only received {$17000.00}. I filed a complaint and the number is XXXX and I spoke to both XXXX XXXX XXXX XXXX and XXXX at XXXX and they told me they can not help me so I'm hoping that you can. The bank is Truist.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration with the recent series of attempts to correct the late opening of my account with 3 Credit Bureaus. I would like to bring to your attention the ongoing issues and delays that I have faced in this matter. 

To provide some context, I opened an account with your company and, despite timely submission of all required documents and fulfilling all necessary obligations, I have experienced significant delays in its activation. This delay has not only inconvenienced me but has also adversely affected my ability to access the services I signed up for. 

I initially contacted your customer service department to inquire about the status of my account. I was told that there were some internal processing delays and assured that my account would be activated shortly. However, this did not happen. 

After noticing that my account was still not activated, I made a follow-up call to your customer service. I was met with a similar response, and it was promised that the matter would be resolved within the next few days. 
Despite the assurances, my account remained inactive. I sent an email outlining the situation and seeking a resolution, but received no response. 
I called your customer service again, explaining the issue and expressing my growing frustration. I was promised a call back within 48 hours to provide an update on the progress, but I never received that call. 
Frustrated by the lack of progress, I visited your local branch office in person, where I was met with indifference and a lack of clarity on the situation. No concrete action was taken to resolve the matter. 

I believe my situation should not have reached this point, and I am deeply disappointed with the level of customer service I have received. The continuous delays and unfulfilled promises have caused me considerable inconvenience and distress. 

I kindly request that you take immediate action to rectify this issue and provide a clear and definitive timeline for the activation of my account. I also request an explanation for the ongoing problems and inadequate communication from your company. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, 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 USC 1681. 

Account name : XXXX Account. # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX 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 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

Could you please help me? I can not seem to get Navy Federal Credit Union to stop beating up on us. Every extra dime that shows up in any of my accounts, they yank it to pay their criminally aggressive, repressive and punitive fees. Then, this generates insufficient funds fees ( WHICH THEY CAUSED ). I have repeatedly withdrawn my consent from Navy Federal to remove or transfer funds among my accounts. 
Most recently I transferred {$22.00} to a checking account and then immediately set up an online payment with XXXX to debit this account for the same {$22.00}. The " transfer to credit card '' transaction that took place on XXXX/XXXX/XXXX was not authorized by me. This caused the payment to XXXX to fail. Subsequently, Navy Federal charged, not XXXX, but XXXX Insufficient Funds fees. Again, I have repeatedly withdrawn my consent to these undisclosed transfers, but they ignore me and continue adding to the mountain of fees ( WHICH THEY 'RE CAUSING ) My wife XXXX has been experiencing pretty serious health challenges since XXXX XXXX, and as a result, my income is sharply down because of missing so much work while taking on more of the domestic responsibilities. She has a herniated disc which exacerbated an already extremely difficult ( and unexpected ) XXXX. XXXX. We 're XXXX people in an XXXX home, XXXX miles between the two 16 year old vehicles we own, and mountains of debt owed to NFCU. What has effectively ruined my financial life with Navy Federal, is this rapacious practice of yanking money out of checking and savings accounts to support it 's exorbitant and grotesque fees, interest and penalties. It is egregious and predatory, and only adds insult to our current set of misfortunes. 
Please get a hold of someone there to put an end to the tyranny so that we can get our heads back above water. 
Much Thanks.
Product: Debt collection

This company has violated the Fair Debt Collection Practices Act by continually trying to contact me by calling my employer. I spoke to XXXX of the agents at the local office at XXXX XXXX XXXX XXXX XXXX XXXX and explicitly explained that my corporate office number was not to be used to contact me. I also mentioned that I would be calling at a later date to address their concerns. However, I was notified by my XXXX XXXX that they were still receiving calls from OneMain Financial trying to reach me.