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

In late XXXX I was alerted that on XXXX there was a hard inquiry on my credit report from XXXX XXXX BXXXX. I did not apply for any lines of credit so I immediately called the bank and informed them that this was not me. They confirmed that this line of credit was not applied for in error, so therefore it must be fraud. They cancelled the application and line of credit. 

I am now in the process of trying to get this hard inquiry removed from my credit report and XXXX XXXX XXXX  has asked me to file this complaint with the FTC / CFPB.
Product: Debt collection

I had a collection agency named Jefferson Capital LLC out of XXXX, Minnesota. They have put a collection account on my credit reports that is not my debt and never had that account opened. I disputed this debt 6 times and the creditor has yet to provide me the proof of debt, and is now illegally still pursuing and reporting the collection against the Fair Debt Collection Practices Act ( FDCPA ). The account was never mine and I have seen several other stories of this collection agency illegally doing this to other people. Jefferson Capital Systems LLC XXXX, MN.
Product: Vehicle loan or lease

Myself and several coworkers lockers were broken into and personal information was stolen. I filed a police report and have disputed this fraudulent account from my credit report because I did not apply for any vehicle through ally bank ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$45000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$6300.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Student loan

I had a complaint going on through the CFPB and the problem had not been solved yet by my payment due date ( XX/XX/XXXX ). So I called Navient on XX/XX/XXXX. This was the earliest I could call because they are closed on the weekends. When I spoke to the Navient associate, I explained to them that I did n't want to be late or charged a late fee with my complaint going on. She said she could take care of all my issues. She said that she would get me on a no interest plan for 12 months, but that it would not get completed until XX/XX/XXXX. So she was going to put me on a forbearance for 30 days so this payment would not be late. Attached is the email I received stating that my forbearance was approved and that it was not due until XX/XX/XXXX. On  XX/XX/XXXX, I received another email stating that my payment was late. I called Navient on XX/XX/XXXX to get this problem fixed. They told me that they see the email was sent to me but the forbearance was not actually put through. This shows how they openly lied to me and did n't fix any of my problems. I was also told on XX/XX/XXXX that I would not have a problem getting on the no interest plan but I was informed through my CFPB account that Navient said I had already been on it and could not be on it again. While I was on the phone on XX/XX/XXXX, I asked the Navient associate when I was on that plan and they were  not able to give me any information on it. They were finally able to get me on a rate reduction plan, but I still had a.lot of issues doing it. I was lied to multiple times. The phone calls are also recorded to prove it even more than my emails. I was unable to pay many XX/XX/XXXX bills, and I am still behind on my XX/XX/XXXX bills because I had used the money I thought I had to get my car fixed, but I was then forced to make a payment in XX/XX/XXXX because they had messed up, not me.
Product: Debt collection

They call me constantly dont have all dates but was called the last few days back to back starting XX/XX/2022 and today XX/XX/2022 theyll call and not leave a message and when i do answer its a robocall i wait for someone to come on and request to not call yet they continue to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting an unverified bankruptcy to the credit bureaus to report on my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to temporarily remove a credit freeze from Experian in order to open a new bank account. I have attempted to log into my account with Experian using log in credentials that were successfully used to access the account in XX/XX/2022. Those credentials do not work to provide access to my Experian account. When I try the recover password option the Experian site says the account does not exist. 

Attempts to reach live customer support at Experian have been unsuccessful and the automated options are not helpful to me. 

I need a live person at Experian to help resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX & XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency investigated my complaint of inaccurate information on my credit report being furnished by XXXX ( XXXX ). I advised the credit reporting agency that the furnisher failed to update information that once may have been accurate but due to payment deferments and forbearances was no longer accurate. From XX/XX/2015-XX/XX/2015 XXXX has reported late payments. I provided the credit reporting agency with a copy of the approved forbearances showing the months that were reported as late as having a XXXX balance due. 

XXXX XXXX reported XX/XX/2015 as 90 days late but reported XX/XX/2015, XX/XX/2015, and XX/XX/2015 as on time. They then reported XX/XX/2015, XX/XX/2015, and XX/XX/2015 as each 120 days late. This reporting defies logic because how can XX/XX/2015 be 90 days late but the 90 days previous are all reported as on time payments? Additionally, how can one make a late payment for a balance that is XXXX? 

The credit reporting agency has failed to acknowledge and consider official documents provided to me directly from the furnisher, on the furnisher 's letterhead that shows there was an approved deferment/forbearance for the months that were reported late. Instead they made small modifications to my payment history which did improve my score some but still do not reflect accurate information. The FTC wrote an opinion on this matter and explained that information that was once accurate but is no longer accurate needs to be updated to reflect the current information.
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 # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX XXXX XXXX XXXX IS REPORTING A REPOSSESSION, REQUEST A DEBT VALIDATION LETTER, DISPUTED REPORT.. BUT NOTHING IS TAKING IN ACTION.
Product: Credit card

I asked for a bid from a company via email for transfer of a group of XXXX people, about XXXX miles from a city to the start of the trail. I received a bid via email for the transfer of {$590.00} each way. When I received the XXXX bill the charge was {$2000.00}. I disputed the bill with XXXX. When XXXX rejected my dispute I asked for a copy of the merchants reply to the dispute. The merchant had changed the price from {$590.00} to {$950.00} each way and added extra charges without ever informing that he had changed the prices and was going to add extra charges. There was no contract. When I tried to talk to him in person about a refund for return the trip which I canceled 7 days before we were to return to the city he told me he had a 30 day cancelation policy. At that point I did not know he had changed the fee and had added extra charges. ( I canceled the return trip ( ( XXXX phone calls, XXXX which went on to the company 's answer phone and XXXX to an employee of the company ) ) as the group 's air flights to the east coast were all canceled because the east coast airports were closed due to heavy snow and blizzards. ) I have tried to contact him to resolve the dispute via email, by registered signature required mail and by " sort box '' mail where I have a tracking number and time that the letter was placed in his PO box . He has refused to respond to me. 
I have disputed the fraud charges with XXXX 3 times. XXXX has supported the merchant and this fraudulent charges 3 times.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute Under 15 USC 1681 - Data Breach-Related Issue Dear CFPB, I am writing to dispute an issue related to a recent data breach. My personal information was compromised, and I have reason to believe that my credit report and/or financial accounts may have been affected.

The details of my dispute are as follows : - Date of Data Breach : XX/XX/year>. 

I request that the CFPB investigate this matter and take necessary steps to : 1. Remove any unauthorized accounts/inquiries/errors from my credit report.

2. Provide me with a complimentary credit report and credit monitoring services. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

My XXXX has a credit card with Synchrony Bank he XXXX  away in XX/XX/XXXX suddenly, he was hospital from XX/XX/XXXX and never returned home to continued enjoying our retirement, we both decided that we would stay home and enjoy the rest of our life. I lost my job due to XXXX, my XXXX had already retired. This was great, we both work hard send our kids to school we were living the American dream. 
My husband was loosing his hearing and he decided he should get XXXX  XXXX, he did visited XXXX XXXX  XXXX they fitted him with a hearing aid and told him he was approved for a credit card that will pay for XXXX  XXXX. He did get the card and made payments to the credit card company, when my XXXX was hospitalized I took over the role of paying the bills and that included his credit cards hoping he will be home and resume paying off his obligations. After he XXXX I reported his passing to he XXXX XXXX XXXX, and was told to donate the hearing aid and to inform Synchrony Bank. I did and provided them with a copy of the death certificate. They continued to send me bill in my husbands name after numerous attempts advising that my XXXX is XXXX, they started sending the bill in my name. I never applied nor did I received a card, I was not a co-signed on he account. Synchrony Bank has reported me to numerous credit bureau without my knowledge, I am unable to secure credit, In addition I had XXXX other cards, which was closed without my knowledge. 
On Friday I received a letter from and Attorney XXXX XXXX XXXX XXXX XXXX asking me to respond by XX/XX/XXXX to dispute all or part of the debt, stating if a judgement is received in court I can lose Social Security, unemployment benifits and and several forms of income to repay his debt.I live on Social Security the house In is my only place of resident and I am struggling to make ends meet. 

Thank you, Kindly Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX 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 XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have paid these people over {$3000.00} on a XXXX acount they say I still owe them {$1500.00} ..I told them that I live on social security and can not pay the illegal usury interest rate of 1000 % .I am XXXX old. this guy would not give me his name but he at XXXX XXXX. on XXXX/XXXX/2015
Product: Credit card or prepaid card

On XX/XX/21 my XXXX XXXX XXXX balance was PAID IN FULL online. On XX/XX/21, a {$2.00} " interest charge '' was charged on a ZERO balance, which is arbitrary and fraudulent. This charge was discovered on XXXX thanks to credit reporting apps showing my payment was " late ''. I immediately paid fraudulent interest and disputed via customer service call with XXXX XXXX XXXX. The money was refunded/reversed to me but there is still a derogatory remark on my credit. Me and my mortgage company received a letter refusing my dispute.
Product: Credit card or prepaid card

Ive been trying to get this settled with Bank of America for over a year now. My account was compromised and had fraudulent disputes filed and payed out. I did not file the dispute nor did I spend the funds please help me get this settled Im currently XXXX and could use the money
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C. section 602 A. States I have a right to privacy. 15 U.S.C. section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without any written instructions. 15 U.S. Code 1692c states : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit card or prepaid card

I received a letter from Santander Bank saying that they approved a card application that I submitted. I had never submitted an application for a credit card from them! They also said that they had received a credit report on me that I had not approved them to get. I do not even have an account with Santander bank. Either someone is using my name and address to get a credit card or the bank is trying to get me to charge money on a card of theirs. 
The letter was dated XX/XX/2017. They say the application number was XXXX There was no signature on the letter only Santander Bank, N. A.
Product: Debt collection

I am retired XXXX XXXX and always but Honor, Respect, and Loyalty first. I did not think much of anything when I was receiving letters in the mail about a debt. When I looked into it I discovered the it was a debt that XXXX sold to Midland. I had taken a loan with XXXX in XXXX and have proof it had been paid off. I sent a copy to Midland Credit Credit Management and there response was it is a loan that was taken out in XXXX. I did not understand because my loan was XX/XX/XXXX and I received an original copy paid. Despite my plea they did not care. 

In XXXX they sent an order through XXXX  XXXX and tried to garnish, but to no avail. After I asked for a promissory note, something with my signature Midland could not, so they cause of action and moves Court to dismiss the case from my bank. But, what I did not know it was hanging out in the cloud somewhere. I sold my house and now it showed up again and the Title company is only following their protocol and held back some money. They informed to to write to CFPB to get help and have this company to stop harassing me. 
Once again, Midland Credit Management has not responded to proof of loan and have giving me the run around. I even had the Title company agent represent me and asked for information, but to no avail. The Title company agent tried calling several times like I did, but was given the run around. This debt does not show up on my credit. I've been able to refinance my home through HARP and by vehicles and get other loans with no problem. This has been a thorn in my side. I need Help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX and # XXXX, XXXX XXXX, XXXX XXXX are included in bankruptcy XXXX yrs ago so violation bankruptcy law reporting reporting late payments anything after XX/XX/year> from date I filed. Remove late payments and charge off comment, against federal law what your reporting on these payment historys and comments. Capital one credit card as paid in full and XXXX reporting late payments this year. Remove the payment history.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reported accurately. I have a missed payment on this account ( XXXX XXXX XXXXXXXX ) that I in fact paid on XXXXime.The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to the complaint on the following dates ( XXXX ) Im now requesting TransUnion investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters to Experian and XXXX requesting the payment history for this account to prove that it should be charged-off. I have not received any validating documents proving the attached account is correctly classified as a charge-off. Failing to verify within 30 days when requested is a violation of the FCRA.
Product: Debt collection

Debt collecter did n't verify collections, no contract, no signature
Product: Debt collection

This company reported that I owe {$12000.00} to a rental company Ive never even heard of on my credit report. Ive been trying to get in touch with the company and no one answers the phone in the office I dont know how far the office is, I would drive to the location. This debt is preventing me from getting an apartment. I had my own apartment in XXXX before and now I live with my mom and Ive been living with my mother ever since
Product: Credit reporting or other personal consumer reports

The mortgage bank reported my name to the credit bureau for late payment in XXXX. However, I had made the payment seven days before the XX/XX/XXXX bank statement to prove it. Then, on XX/XX/XXXX, my name was reported again due to insufficient funds. However, my financial institution denied that allegation. Later, on XX/XX/XXXX, my financial institution contacted them regarding the funds they took on XX/XX/XXXX. They had reversed the payment because they claimed they never received it. Despite this, my name is still reported to the credit bureau. And now, in XXXX, my name has been reported again for late payment. However, the payment was made on XX/XX/XXXX, and the bank statement and account activity letter prove it. If you need proof, I can send all of the statements from those months. statements.