23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S Dept Of EdXXXX XXXX XXXX XXXX , Dept Of Ed/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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: Student loan

I have XXXX private student loans with XXXX, now known as Navient. I defaulted on the loans, and they were charged-off. However, I went into an agreed upon repayment plan of {$100.00} per month. Nonetheless, XXXX/Navient reporting that I was not making payments and continuously made debt collections calls. Last year, on XX/XX/2015, I accepted Navient 's settlement offer of {$10000.00}. My private loan balance at the time was {$25000.00}. I paid {$5000.00} on XX/XX/2015, and the remaining {$5000.00} was to be in monthly payments of {$410.00} to automatically debited from my checking account. I have completed all payments, and now they are saying I did n't have a settlement offer in their records, and the loans are defaulted and charged-off. The balance is now over {$16000.00}. 
Resolution : To mark XXXX private loans as settled in full ; clear their online account summary as settled in full with XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXXXXXX XXXX XXXX # : XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX, Account Name : XXXX XXXX # : XXXX, Account Name : XXXXXXXX XXXX # : XXXX, Account Name : XXXX XXXX XXXX XXXX  # : XXXX Account Name : XXXX XXXX # : XXXX, have 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: Checking or savings account

I was charged for Transactions that were denied online by the merchant the bank overdraft my account and now it's negative XXXX when I was told there was overdraft protection
Product: Credit reporting or other personal consumer reports

On XXXX Toyota Motor Credit Corporation ruined my excellent credit with their poor accounting. They dropped my credit score by XXXX points. First stating the XX/XX/year> payment was last ( you can see proof enclosed that it was not late ). Then Toyota Motor Credit Corporation stated it was the XX/XX/year> payment that was last ( see their email confirmation that it was paid on time ) I have enclosed a outline of events, along with what Toyota Motor Credit Corporation reported to the creditors that every payment was timely. But Toyota Motor Credit Corporation refused to correct my excellent credit score. The consumer provided the following when submitting the Complaint to XXXX  The consumer provided the following when submitting the Complaint to XXXX
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( 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 Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX 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 this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/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 from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Checking or savings account

I got the arbitrary charge {$1200.00} on my Chase account from XXXX  on XX/XX/year>. Chase temporarily refunded the amount when I disputed on XX/XX/year>. But the refund credit got reversed because XXXX  rebutted the claim saying that they already issued back my credit on XX/XX/year>. XXXX  confirms that they had already sent the credit to the original payment on XX/XX/year> ( Written proof with the case # available XXXX  Case # : XXXX ) But a month had gone, still theres no refund. XXXX XXXX, the assistant VP/the private client banker of Chase located XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX  ID : XXXX ) says they can not give me the credit that XXXXXXXX XXXX allegedly refunded me , but she said shed report it to the escalation department.
Product: Checking or savings account

There was money out in my account from I dont know where and my account is negative XXXX XXXX dollars and I have never put a check in or touched the money there can you please help me
Product: Debt collection

I was involved in a auto accident in 2015 where I was hit by a impaired driver.During the lawsuit I had to get Medical treatment from different doctors, and after we came to a settlement, my attorney advised me that all my medical bills before and after my accident needed to be paid and the 2 accounts that XXXX XXXX have has already been paid via my attorney @ XXXX and XXXX in XXXX FL. Whatever my insurance did n't cover the insurance money covered.Company needs to investigate and remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Experian reports the following inquiries I did not sign off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have applied twice for Klarna since XXXX and XXXX but have been denied pre qualification according to them I have less than 12 months of revolving bank cards which is false. 
I have 1 year 2 months on one card, 3 months on another and a month on the other.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXXXXXX XXXX  XXXX Account Number : XXXX, Account name : XXXXXXXX XXXX  Account number : XXXX, Account Name : XXXX  XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, XXXX XXXX Account number XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

this XXXX XXXX  claims I did not cancel properly my contract, which I did in XXXX, and now with no information I am being notified that I'm being sued unless I pay {$4500.00} or they will report my credit which is fine at the moment, nothing was ever there from them, in my credit report, and they will cancel my pay and take anything and everything they can from me. 
they claim to have a contract, that they send me a copy, but I canceled them in writing in XXXX, aparently they miss placed it and now after 21 years they want to me to pay. 
my computer was hack minuites before the call. 
I do not have any evidence of cancelation due to the time that has gone by. 
I notified a lawyer on line and she suggested to contact you, please help
Product: Checking or savings account

On XX/XX/2023 I made XXXX payments through XXXX XXXX of XXXX dollars XXXX dollars and another XXXX dollars. later those three were refunded to me. XXXX XXXX  told me that the funds would be available to me on Wednesday XX/XX/2023. They were not available and these transaction did show in my chime account in checking. When the funds was not available to me in chime I then spoke with XXXX XXXX and chime. On Thursday XX/XX/2023 I went to file a dispute on those three charges and many other one which chime has been fixing those but I could not file a dispute on the XXXX, XXXX and the other XXXX dollars that XXXX XXXX refunded me on XXXX XXXX which went back to my bank account on XX/XX/2023 XXXX XXXX and XXXX XXXX said that refund was completed but conveniently those transaction are no long even viewable on my chime checking account. I have been on the phone sending chime proof of all this by screen shots I have been taking this time because this is not the first time chime has done this and there was nothing I could do about it because I did not have proof but this time I have the proof and Chime is not doing anything about this. This is XXXX dollars that Chime has stole from me.
Product: Debt collection

In XX/XX/2020, Hunter Warfield, a collection agency added an account to my XXXX, XXXX and XXXX consumer reports. This debt is not mine and I want it removed
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 acct. XXXX Account name # XXXX XXXX acct. XXXX Accountname # XXXX acct. XXXX 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 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: Debt collection

I have sent multiple letters to credit agencies as well as the debt collector detailing this is not my debt that is on my credit report with no replies or removal. 

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: Checking or savings account

In XX/XX/year>2023 chase closed my accounts with out my knowledge and issued check XXXX. XXXX when I went to cash it at mascot I was told the check was not good so I went back to the branch wad told this check was deposited into another bank which I never opened up or did I cash this check I filed dispute but my .money was never issued I'd Like Mt check to be refunded to me and the chance to open another account with any issues and I'd like fraud department XXXX investigate this further and law enforcement involved
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX  CLASSIC CREDIT MADE AN INQUIRY ON MY CREDIT REPORT UNDER MY DIVORCED NAME THAT I HAVE NOT USED SINCE XXXX. I TRIED TO CALL THEM AND THEY WANTED MY SS NUMBER WHICH I REFUSED TO TYPE IN
Product: Debt collection

This company LVNV funding LLC has shown on my credit report for some time now and I'm not sure who or what this debt is from. However, several times I have disputed the debt and requested an original contract validation and to no avail. It would usually end in a validation of debt but never offer what was actually requested which was a copy of the original debt contract that I signed for this debt. Please provide me with a copy of the original signed debt contract or remove it from my credit report immediately.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant XXXX, to the point where it is affecting my ability to XXXX. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ), that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of : A personal loan account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ). 
A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of XXXX  ( XXXX ), that appears related to the aforementioned personal loan XXXX A personal credit card account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, under the account number XXXX An auto loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ). 
A collections account opened XXXXXXXX XXXX XXXX on XX/XX/XXXX, with a balance of $ ( XXXX ), that appears related to the aforementioned personal loan account opened at XXXX XXXX BANK under the account number ( XXXX ). 
A collections account opened CREDIT COLLECTION SERV on XX/XX/XXXX, with a balance of {$74.00}, that appears related to the aforementioned personal loan account opened at XXXX XXXX In. Co under the account number ( XXXX ). 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of these items are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Opened second account after an attempted check fraud. Bill pay wasnt transferred to new account and delay by the bank resulted in late payments which damaged credit and resulted in injury to investment opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report listed as XXXX XXXX with a balance of {XXXX} that I have never had/nor opened an account with at any time.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at about XXXX, I XXXX XXXX the XXXX/XXXX of XXXX  XXXX XXXX in XXXX Maryland got a call from a Bank of American representative, She asked if I had made any online transfers within the past 24hrs.I said No. She told me to report to my local Bank Of American branch because some suspicious transactions has been noticed on my account.

I immediately reported to my local branch and it was discovered that some funds totally {$44000.00} has been illegally transferred from my account by unauthorized personals, who I do not know nor have any sort of of business relationship with.

The branch officer contacted Mr. XXXX XXXX, Bank Of American ; s small business representative. A decision was made to close the account and stop all my online transaction until the fraud issue is resolved. An investigation was also initiated to have the issue resolved. 
On XX/XX/XXXX I got a call and subsequently a letter from Ms XXXX XXXX from Bank Of American fraud department which indirectly accused me of knowing of the fraud because it was not possible for someone to go to my account to conduct such transaction. I told Ms XXXX that I do not know these individuals nor have I authorize anyone to conduct business on my behalf. They also indicated that, for such transfers to be made from my account that a notice must be sent to my phone by Bank Of America, no notice of such transaction was sent to my phone.They have also indicated that my phone might have been ported that could be the reason I did not receive any notice of the transactions on my phone. I have gotten my phone records during this period from XXXX XXXX XXXX which shows that my phone was not ported nor did I receive any message from Bank Of America.

A request for Bank Of America to reconsider their decisions was filed and up till now they have decided not to speak with me, respond to to my emails, nor my attorney 's mails or emails.

Is quiet unfortunate that I have been treated so bad by the staffs of Bank Of America especially XXXX XXXX despite the fact that I have been a loyal customer to Bank of America for over 12 years of being in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a year now after being a victim of identity theft I have been disputing with all 3 major Credit Bureaus. XXXX, Equifax and XXXX. 

I have sent letters after letters and have followed every bit of instructions available to me. From using companies to help assist like XXXX XXXX to XXXX and of course writing my own letters. 

If you can search your records you may see nearly a dozen complaints with your company cfpb because of this. My tracked record began XX/XX/XXXX. When I began to need to use my credit to find a new home. 

Consecutively from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX I have been disputing these items because the credit bureaus are reporting incorrect items and doing so without proof and validation. 

They would reply back to my certified letters that the items are accurate and meet the law and are verified yet I ask over and over again how did they come up to that conclusion and who was contacted to valid or verify the debt or items listed and they never respond ever as to who how or why they are reporting these items incorrectly and without proof. This breaking the law again. 

I submit everything they request including most recently doing what they asked a Police Report along with an FTC report. No one has ever sent me a signature or anything validating these items reporting on my credit profile. I followed their instructions as instructed yet they tell me the FTC Report isn't valid because the inquires did not have a date listed on it. 

The accounts I mentioned are all listed in the letters I will upload. 


XXXX XXXX XXXX XXXX Unverified Account {$6200.00} XXXX  XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX XXXX Unverified Account XXXX XXXX /XXXX  XXXX Unverified Account XXXX XXXX/XXXX XXXX Unverified Account {$1500.00} XXXX XXXX XXXX/XXXX  XXXX Unverified Account {$0.00} XXXX XXXX XXXX XXXX Unverified Account {$4600.00} XXXX XXXX XXXX  XXXX XXXXUnverified Account {$1000.00} XXXX  XXXX XXXX XXXX Unverified Account {$480.00} XXXX XXXX  XXXX XXXX XXXX Unverified Account {$4700.00} XXXX ( XXXX  ) XXXX XXXX  XXXX Unverified Account {$1000.00} XXXX XXXX XXXX Unverified Account {$680.00} XXXX XXXX XXXX XXXX Unverified Account {$660.00} XXXX XXXX XXXX XXXX XXXX Unverified  Account {$6800.00} XXXX XXXX XXXX XXXX XXXX Unverified Account {$17000.00} XXXX XXXX XXXX XXXX XXXX Unverified Account {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting bankruptcy to XXXX  and XXXX  lexis Nexis said they would remove it I have disputed it lexis Nexis is still reporting to XXXX  and XXXX