23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Direct Recovery Services using phone numbers XXXX, XXXX, and XXXX keeps calling me I have told them that I do not know a XXXX but they keep calling my cell phone and leaving messages. 
I spoke with someone who works there who called from XXXX and she said she would remove my number from her call list.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX credit card accounts that were notified last XXXX that I could no longer work due to the pandemic. Payments were suspended. When I started working they settled with me, in most cases, for less than the full amount. Now they are reporting me as no/late payments for XXXX, XXXX, XXXX, XXXX and XXXX. This has killed my XXXX XXXX. I have disputed them twice and they refuse to correct the info.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient private student loans are income based driven loans. After my divorce, I submitted my documents to was then Sally Mae. Navient never acknowledged the divorce decree, which keep me as a financial hostage to them. Over the years I have written numerous letters to Navient regarding my financial status as well as my divorce decree. 
Navient private student loan services listed accounts on my credit report as being late more than 60 days which belongs to my daughter and ex-husband. Account has never been late. Daughter never disclosed to me anything beyond accounts in forbearance. Accounts has been in forbearance since the Covid pandemic. She is still unemployed. 
XXXX2 Change to all 3 credit reporting with XXXX credit scoreXXXX. On XXXX XXXX reported exceptional score of XXXX On XXXX, filed a dispute with Navient. On XXXX file a dispute with Attorney General office of CT XXXX, still waiting on that investigation as well. Score decreased. to fair XXXX, changes to score with XXXX. On XXXX, XXXX updated dispute with submitted documents. Also on the same date changes made with XXXX. 
XXXX deleted the accounts from credit files as of XXXX after their investigation of my dispute, however my credit score as of XXXX, has not been restored from fair to exceptional. which was my prior score before this issue with Navient inaccuracies. 
XXXX, Navient sent a letter to daughter stating that accounts were approved for forbearance from XXXX to XXXX. If account in forbearance, why are the showing as late more than 60 days/negative on my credit report. This should have never happened. 
Still waiting to hear response from Attorney General of CT as well as updated and restored corrected scores from all 3 credit bureaus. 
XXXX submitted additional documents to XXXX re : forbearance letter and dates. 
I have worked extremely hard to maintain and improved my credit score to exceptional status. This matter should be investigated and my scores for all 3 credit bureaus should be corrected and updated as well as restored to my exceptional status.. Navient 's negative reporting on my credit file should be deleted from XXXX and XXXX due to their error and unfair practices, not mine. Again, XXXX has already deleted Navient from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifaxs responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} and XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$5300.00}. Please remove these accounts ASAP.
Product: Debt collection

I am a victim of unfair debt collection practices. The company Nationwide Recovery Service , Inc. is knowingly furnishing false and misleading account information in my name to XXXX and others. The company is stating that I owe a debt to them which I do not owe to them. I do not have any association with the company and never entered into any contracts with the company. The company should not have any of my non public personal information including but not limited to my name, address and phone number. Because I never engaged with the company, it means that my personal information was obtained without prior consent directly from me, which means it was obtained by means of identity theft and deceptive forms. These actions are ruining my credit reputation and are causing damages to my household. I will not tolerate unfair debt collection practices. I am seeking justice and remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX Account # XXXX DEPT OF EDUCATIONXXXX  Account # XXXX DEPT OF EDUCATIONXXXX Account # XXXX DEPT OF EDUCATIONXXXX  Account # XXXX US DEPT ED Account # XXXX US DEPT ED Account # XXXX US DEPT ED Account # 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 or other personal consumer reports

I have accounts on my report that do NOT belong to me. I have reached out to Experian and they refuse to move it, KEEP stating that the " investigation is complete, reported by data furnisher '' but yet they don't provide me with anything. The Reinvestigation states " This item remained unchanged from our processing of your dispute in XX/XX/year> '' they have yet to provide me with all the information used in the reinvestigations and this is a violation per FCRA 611 ( a ) ( 2 ) ( b ) and FCRA ( a ) ( 7 )
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I mailed a letter asking for verification of inaccurate accounts listed on my credit report. I have not received results or a response yet and these inaccurate unverifiable accounts are still showing on my credit report.
Product: Checking or savings account

Account was opened in my name on XXXX of XX/XX/2021. Navy Federal Cr Union
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX XXXX to Validate late payments and tell me which method are they using. They have not Validated any information yet the sent a letter saying your account has been verified. 

I asked to close my account around XX/XX/XXXXor XX/XX/2019. The said if I paid {$500.00} my account would be paid as agreed Closed account on my Credit Report. I paid they {$500.00} and when I checked my Credit Report it says account Settled Less Than Amount Owed. This was a deceptive act. I would have never paid my {$500.00} if I knew this was going to happen. Everytime I call and speak with someone regarding this issue they say my account is in collections. I ask whats the name of the Collection Company? ; no one knows. They are double dipping which is against the law and IRS standings.
Product: Credit reporting 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 : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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

XXXX, EQUIFAX AND XXXX HAS IN ACCURATE INFORMATION ON MY CREDIT REPORT THEY REFUSE TO REMOVE OR DELETE. 

INACCURATE INFO : NAMES REPORTED *XXXX XXXX XXXX *XXXX XXXX *XXXX XXXX *XXXX , XXXX, XXXX INACCURATE ADDRESSES : *XXXX XXXX XXXX XXXX XXXX, FL XXXX *XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX INACCURATE ACCOUNTS : *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  INQUIRIES THAT ARE NOT MINE : *XXXX XXXX XXXX  *XXXX  XXXX XXXX *XXXX *XXXX *XXXX XXXX   XXXX XXXX PEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX   XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  # XXXX Acct # XXXX, The XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX - XXXX - {$22000.00} XXXX - XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX - {$26000.00} Late Payment XXXX XXXX XXXX XXXX  - {$24000.00} XXXX XXXX XXXX - {$0.00} Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX
Product: Checking or savings account

I previously put in a complaint on bank of oklahoma and their response was its still under investigation and I have to wait the 60 days but it has already been longer than 60 days because it's happened on XX/XX/XXXX And the bank told me that the investigation was closed that they were not going to pay out
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX  XXXX XXXX  and received funding XX/XX/2009 for {$6300.00} & {$4600.00} through XXXX, XX/XX/2009 for {$3700.00} & {$2400.00} through Department of Education/XXXX and XX/XX/2009 for {$690.00} & {$1300.00} Department of Education/XXXX   these classes I can not receive credit for because the school was closed. I paid for school that lost accreditation and had other legal issues that halted my education. I cant get or transfer any of the credits earned. I have requested consolidation of these loans so that the correct amounts are included and the forgiveness is applied for the years mentioned and the amounts included above.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practice related to their XXXXXXXX XXXX XXXX interest savings account. Capital One misrepresented the XXXXXXXX XXXX account as having one of the nation highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated XXXX XXXX and resulted in significant financial loss for many, breaches the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for misleading practices and failure to fulfill their advertised promises
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account XXXX XXXX # XXXX has violated my rights. 

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX has violated my rights. 



In accordance with the fair credit reporting act convergent account XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX XXXX has violated my rights. 



In accordance with the fair credit reporting act convergent account XXXX XXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX  XXXX has violated my rights. 

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX has violated my rights. 

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX XXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX-XXXXXXXXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account US DIST CT Bankruptcy XXXXXXXX XXXX # XXXX has violated my rights. 


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

This was opened fraudulently by someone else. I contacted XXXX XXXX the moment I saw them on my credit report and it was closed two months after opening in XX/XX/2019. It, unfortunately, despite being reported as being a fraudulent account with fraudulent charges, has been being reported on my credit report ever since. It keeps saying I'm late on payments and hurting my credit score. It's closed and the charges aren't mine. XXXX DO YOU MEAN?!
Product: Credit reporting, credit repair services, or other personal consumer reports

I repeatedly keep attaching a receipt of payment to a debt collection and TransUnion doesn't correct inaccurate information. The document is proof of payment but TransUnion continues to ignore the document and report incorrectly.
Product: Checking or savings account

Someone was able to access my chime account and take money and Caused an XXXX account to be restricted after disputing been unable to use account XXXX $ dollars gone and a account
Product: Debt collection

I did not authorized an ambulance to transport me to the emergency room I did not sign any paper work
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it concerns, In accordance to the Fair Credit Reporting Act, my right to fair consumer reporting is being violated. A chapter XXXX Bankruptcy is being reported on my XXXX and Experian credit report. All information is not accurate and should thus be removed. According to 15 U.S.C. 1681 its states that I have a right to privacy as well as a right to dispute inaccurate information on my credit report. I have tried to correct this with the bureaus who state they did an investigation and verified this account. However, the report from these two bureaus are still reporting inaccurate information and is causing damage to my credit score. 

I request that this erroneous information reported by XXXX and Experian be removed from my report immediately.
Product: Vehicle loan or lease

I requested a payment extension for XXXX and XXXX, assuming the bill would be due in XXXX. I was given the extension for XXXX and XXXX instead, bringing my balance to XXXX to be double what is supposed to be and shocking me. I have tried calling XXXX and get hung up on multiple times. I do not need this to report late on my credit report and you have been ignoring my request to change the due date multiple times already. Awful customer service. You are going to ruin my credit score. Late charges too but was told I wont incur late fees until its 10 days past due. Not receiving statements in the mail on time. Can not speak to anyone. I want this late fees removed and do not report my payments late! Change my payment due date as well. Terrible. Will never buy XXXX in the future.
Product: Checking or savings account

I thought I did not have overdraft protection for my account. Yet I paid three overdraft fees that the bank is refusing to return to me. I had a check clear my account with no money to cover it. Then all my other transactions got denied except 1 which I was charged a few for along with the check. After that all other transactions on my account are denied without posting except one which was paid then returned when money was added to cover the balance and then another fee was charged for returning the transaction that was paid. I want my money back cause I feel my account overdraft was due this banks processing when money isn't Available then charging me for it. Now if it was a non sufficient funds charge I'd feel differently.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to adequate customer service XXXX XXXX XXXX  XXXX, XXXX violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not 0:3 % omply with error resolution requifeffents under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

Attempted multiple calls to NELNET and unable to get anybody on the line. Their website states I must call to receive login information, and I can't pay without logging in. I am sending a letter today requesting administrative forbearance due to incorrect payment calculation ( ~ $ XXXX ) when the fed loan calculator states my payment should be $ XXXX based on my tax returns. NELNET is grossly mismanaging accounts.
Product: Credit reporting 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 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 bankruptcy XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604A section 2. It is also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1681c ( a ) ( 5 ) section. States no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse items information, other than records of convictions of crimes which antedates the. report bu more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information ice inaccurate.