23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted. company information XXXXXXXX XXXX {$4000.00}, XXXX  {$3500.00}, XXXX  {$4500.00}, XXXX  {$6200.00}, XXXX  {$6100.00}, XXXX  {$3500.00}, XXXX  {$2000.00}, XXXX  {$4500.00}, XXXX  {$6200.00}, XXXX XXXX {$0.00}, XXXX {$3700.00}, XXXX {$4300.00}, XXXX  {$1500.00}, XXXX  {$6200.00}, XXXX {$5500.00}, XXXX {$660.00}
Product: Credit reporting or other personal consumer reports

XXXX credit bureau continues to report inaccurate information on my credit report. On XX/XX/XXXX a dispute was submitted to request Account XXXX XXXXXXXX XXXX XXXX account status update to closed on XX/XX/XXXX. The creditor correct the information in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX reported the account status as opened with inaccurate closed date, the account was disputed by myself to credit bureau, the account was corrected and the status was changed to closed/ charge off XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX reported the account as open with a new closed date of XX/XX/XXXX. 

I have filed several disputes with all three creditor bureaus and XXXX XXXX to correct the inaccurate information reporting on my credit report. The company continues report inaccurate closed date on the account even after numerous disputes. 

I filed a complaint with CONSUMER FINANCIAL PROTECTION XX/XX/XXXX CFPB Reference Number : XXXX. The creditor agreed to report the account accurately to all three credit bureaus. After the letter was submitted to CFBP the creditor reported inaccurate information to all three credit bureaus again.
Product: Debt collection

XXXX acknowledged in response to a complaint that I filed ( the third such complaint about same issue ) that it owed me nearly {$2000.00}. XXXX replied that it would issue the refund and the person assigned to do so was : XXXX XXXX XXXX Executive and Regulatory Services Analyst. 
Office : XXXX Ext. XXXX Fax XXXX XXXX XX/XX/XXXX, XXXX XXXX sent me a direct email affirming this. 
XXXX XXXX submitted a copy of her message to the Federal Communications Commission as her response to XXXX XXXX. XXXX. 
XX/XX/XXXX, FCC notified me it was closing the complaint. It appeared XXXX was willing to issue the refund to me. 
However, after FCC closed the complaint XXXX XXXX refused to talk with me and put a note on my account that no one else at XXXX was allowed to discuss the matter. I tried desperately to get XXXX to refund the money it owed me before it merged with another company ; but to no available. 
XXXX the merger, I was informed that there was no mechanism available for me to collect the debt that XXXX owed me when it ceased to exist. 
XXXX owed me money. I did not owe XXXX money. This claim from a debt collector is clearly fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several erroneous accounts, address and inquiries in late XX/XX/2018, with all three credit bureaus. I believe I am a victim of identity theft due to multiple security breaches on my personal accounts. I am requesting the incorrect information is removed and blocked immediately.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of these accounts ; CXXXX XXXX XXXX XXXXXXXX. I demand the removal of these unauthorized inquiries ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I demand the removal of this incorrect information ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX Mcneil Meyers is a company I have never known of are ever did business with. XXXX Mcneil Meyers has sent untruthful information to all credit bureau as an attempt to destroy my credit score because XXXX Mcneil Meyers has assumed I owe them {$1700.00}. Instead of XXXX Mcneil Meyers trying to go through legal lawyers to investigate to ensure this dept they are assuming I owe is actually true that I owe them or If it's even me or if they even have the right correct person. I have proof that I have personally sent to XXXX Mcneil Meyers that I do not owe XXXX Mcneil Meyers or do I know or have ever done business with XXXX Mcneil Meyers. Still, they have attacked my personal credit life for there own gain. XXXX Mcneil Meyers company or person, do not have any respect for human life at a time in the world like it is today. 
This is a warning to people about XXXX Mcneil Meyers.
Product: Credit card or prepaid card

On Saturday XX/XX/22, I purchased a plane ticket from XXXX, CO to XXXX, GA. I was meant to be in XXXX on XXXX  night and XXXX, and then was due to fly back to XXXX on XXXX. However, I was unable to get to XXXX on XXXX  due to missing my connecting flight in XXXX XXXX because of maintenance issues with the airplane out of XXXX. As soon as I knew I would not get to XXXX, I canceled the flight from XXXX back to XXXX. This was well within the 24 hour cancellation window during which I am automatically awarded a full refund. The company said they would reverse the charges and did not. After attempting to speak with them twice and get them to do so, I contacted capital one, my credit card company, and asked for their help. They reversed the charge, but they did not return the money to my credit line. So I still dont have the money. I would like for this matter to be resolved once and for all. Thank you.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX 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

XXXX is my social security number on experian their is one negative item that shows 60 days late its a fraud account I filed a federal trade commission identity theft report on file. Please have experian remove the one negative item off my report they supposed to remove this item right away normally when you have a federal trade commission identity theft report on file the item is remove in24 hours they did a great job in removing the credit collection account last week. The only account that's negative is the one ending in XXXX
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 : 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 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

The options provided previously don't quite cover this. I went to XXXX XXXX XXXXy and it was a predatory school where we were made to take out various loans for reasons outside of school. NAVIENT recently allowed for forgiveness of these loans and I applied for all three loans. Two of them were forgiven but one wasn't because of the TYPE of loan that it was. It didn't matter to NAVIENT that the school told me to take out this type of loan because the other types weren't available, and they still took the money from me as a result. But Navient is saying that they can't forgive this last loan because the money was given to me directly. This was a change from their original offers for forgiveness. 

I sent in applications and paperwork, which I'll include here. The loans were forgiven almost immediately. Then the account with the remaining loan was quickly turned over to XXXX. When I reached out to them about the issue, they said that I had to speak with NAVIENT. I'm essentially being bounced back and forth instead of being able to get to an actual resolution. These predatory loans have had an adverse affect on my life and financial wellbeing as I can not apply for loans for a home or car and that do not come with exceedingly high fees and interest. It's written on my credit as a charge off/bad loan for an egregious amount. Over four times what I borrowed and GAVE to the school.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts 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 a account without my written instructions XXXX XXXX XXXX, XXXX, XXXX, XXXX {$3200.00} XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX, I was notified by XXXX and XXXX that an account was added to my credit report as " in collection ''. Upon reviewing it, I discovered that XXXX XXXX XXXX had reported an account balance of {$10000.00} that originated with XXXX in XX/XX/XXXX. While it is accurate that I opened a credit account with XXXX in XX/XX/XXXX, in XX/XX/XXXX, I surrendered the vehicle to them under verbal agreement that the account  would be closed due to its poor running condition since the purchase date in XX/XX/XXXX. Unfortunately, I was naive and did not get that statement in writing. In XX/XX/XXXX, 1 month after surrendering the vehicle to XXXX, the credit account was removed from my credit report. Fast forward to XX/XX/XXXX, and it magically appeared as being owned by XXXX XXXX XXXX without me having received any written communication whatsoever from the collection agency. I have disputed this account twice via XXXX  and XXXX 's online systems to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$1600.00} XXXX   XXXX XXXX {$480.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$400.00} XXXX XXXX {$390.00} XXXX XXXX   XXXX {$170.00} XXXX {$400.00} CHAPTERB XXXX BANKRUTCY DISMISSED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Inaccurate payment history was reported by XXXX Account number XXXX. It all began when I requested a credit report and XXXX XXXX that XXXX bank reported 30 days late on my credit report, I immediately called XXXX to find out, and they said that I needed to pay the full balance off and they would remove their inaccurate information. after paying the full balance off, XXXX the bank didn't improve inaccurate information. I have contacted all 3 credit bureaus, Experian, XXXX, and XXXX several times, they were all repeating that I need to submit a dispute with them, after sending them many letters, I haven't heard anything from them. Then I decided to send a letter to XXXX bank to improve my payment history as I have never been late. I their mistake. In XX/XX/2023 I checked my Experian credit report and I didn't have any late payments reported on my credit report. After a few months, the 30-day late payment again appeared on my credit report.
Product: Credit card

The company said that they will remove it for my XXXX but its still on my XXXX report.
Product: Debt collection

XXXX Account # XXXX The XXXX account has been charged off and is Currently and Repeatedly updated as Charged off every month.This is an update in the payment history which to my understanding Charge OFF Accounts should NOT include an active payment history..Need i remind you this also falsely manipulates the statute of Limitations
Product: Credit card or prepaid card

I had a XXXX limit CC with XXXX XXXX  and a XXXX limit CC with Wells Fargo prior to 2020. During the pandemic ( ~May of 2020 ) I entered into a deferred status with the both cards via calling the company prior to becoming delinquent and informed both banks that I had been furloughed from my employer, the XXXX XXXX XXXX due to the aviation industry as a whole taking a pause. Thus I would effective-immediately no longer be liquid, due to loss of primary employment. Further, my new income was based upon state-unemployment which was delayed for months in WA state due to a myriad of issues related to the pandemic. 

Nonetheless I called back Wells Fargo XXXX days later ( to continue my deferment ) and Wells Fargo informed me they needed me to call on day 45 to continue keeping my card in open/deferred status ( even though the pandemic still had no end in sight @ XXXX of 2020 ). Thus WF was my first ever CC to be closed. Through many calls I learned that WF needed me to call back just a few days earlier and this issue could have been alleviated, nonetheless WF refused to make any accommodations at that point. Keep in mind the pandemic showed no signs of letting up at this point ( Summer 2020 ) but Wells Fargo had no problem applying " the juice ''. 

So I called XXXX XXXX immediately to extend my Covid-related deferment, only to find that their time-frame for me to call back was also 45 days or less. However the silver-lining of all of this was my XXXX XXXX  XXXX had a 60-day window ( for Covid deferment follow-up ) and was willing to accommodate me so I remained us a customer ( also noteworthy : XXXX holds my highest limit and is my primary CC but also went into Covid-deferment at the same time as WF and XXXX XXXX  ). 

Consequently I still have my highest credit limit with XXXX but this just goes to show me that smaller banks like XXXX XXXX  and Wells Fargo ( smaller relative to my account and smaller relative to Chase ) must've been taking more aggressive risk-reduction tactics amidst a global pandemic despite the human affect, ultimately inflicting the most pain on people like me, low credit-limit, unemployed by Covid, and low savings individuals.

I was very disappointed that I was being preyed upon by mid-tier Banks at a serendipitous/unscrupulous moment for banks to close-out ( low limit ) credit cards that were in Covid-deferment status quicker than normally would have pre-pandemic. Ultimately I suspect that due to these accounts ' high doubt of repayment because they were in Covid-related deferment and low-limits, that is why it was in the banks interest to have them closed. If they wanted to keep them open, policy would have allowed for it. WF settled with me for ~60 % of the XXXX limit. XXXX XXXX  remains attempting to debt collect. I am now employed again but I fear I may have hurt my chances with WF because I accepted a settlement. Please help
Product: Money transfer, virtual currency, or money service

I tried to buy a XXXX XXXX on XXXX marketplace..I send the seller {$1000.00} on XXXX XXXX and they never send the phone
Product: Debt collection

Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 168 1b 2. company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4. 

I've made several correspondence attempting to settle this debt and there has been no appropriate response. Company has been asked to validate the debt they are reporting against me and are not able to, but still reporting an unvalidated debt which is you know is against fair credit reporting act. 

They are in violation of server UCC Codes as well. This debt is discharged and they do not seem willing to remedy this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 called Equifax to file a dispute that was showing on my credit report obtained by XXXX. 
On the credit report under Equifax it is showing that that I have an UNPAID MEDICAL collection, and I want to know more information about this so I can fix this, as I think this is an error. 
Equifax could not bring up anything under my name, SSN & address. They wanted a 10 digit number, which I do not have on my credit report. 
I also tried to submit a dispute online with Equifax, but this also does not work with the information I provide. 
People on the phone do not understand English very well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX 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

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted in accordance with US code 1681 c-2. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. the Identified transactions are not information related to any transaction by me as a consumer. I have Submitted an identity theft report and put a fraud alert on my credit profile through Experian. XX/XX/2022. Please see attached
Product: Debt collection

I'm disputing these accounts due to identity theft, and despite other bureaus removing them, your bureau still reports them. Comply with the law ; remove these fraudulent accounts or face legal action.
Product: Debt collection

XXXX XXXX XXXX on XX/XX/XXXX This is an auto loan debt that was not mine. Someone by the name of XXXX XXXX used my name as a co-signer for an auto loan that I have no recollection of until recently when I was trying to repair my credit. Look at the original loan paper as well as the XXXX paperwork and it will show that my name was not on that title or on that police report when this car was in a wreck sometime in XXXX. I did my investigation and that's what I found out from the XXXX XXXX police station. This was not a case that they can assist me with in filing an actual police report. I tried numerous times to get this off my credit report from all XXXX credit bureaus but it is still there and ruining my credit. If they can't provide my name and signature on that loan and car title then please remove it off my credit report.
Product: Credit reporting or other personal consumer reports

I am being violated by XXXX, XXXX XXXX Equifax credit bureaus under XXXX ( XXXX ) ( B ), XXXX, XXXX, XXXX, XXXX, XXXX ( a ) ( XXXX ), XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, & XXXX!