23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Mohela randomly put my loans in forbearance and now i have interest i owe because of this. They did not give any reason and now they are impossible to get in contact with. My loans before covid were {$150.00} and now i somehow owe over {$500.00} a month and you cant get in contact with anyone and even trying to reevaluate the payment has been impossible to understand and now says its delayed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : XXXX XXXX XXXX - {$4100.00} XXXX XXXX XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$370.00} XXXX XXXX  ( Both accounts )
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX told me their 3 rd party so they shouldnt be listed on my credit report it was XXXX XXXX  that madr claim and they should br listed not XXXX so i contacted XXXX and they have nothing to do with this being listed and XXXX XXXX who just cares about selling mr their product so this remains inaccurate
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : USDOEXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX
Product: Debt collection

Hunter Warfield on behalf of XXXX XXXX XXXX XXXX made numerous attempts to collect a debt over the course of 4 months. I filed for chapter XXXX bankruptcy protection on XXXX/XXXX/XXXX and had my hearing scheduled for XXXX/XXXX/XXXX. My FINAL Decree was issued on XXXX/XXXX/XXXX. It is my understanding that the initial filing of the petition is meant to stop the debt collection process. Despite me filing on XXXX/XXXX/XXXX, Hunter Warfield still sent the attached collection letter dated XXXX/XXXX/XXXX trying to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX have my current address incorrect. The address XXXXXXXX XXXX XXXX XXXXXXXX in XXXX XXXX Missouri XXXX is a property that XXXX XXXX owns. 
My Address is XXXX XXXX XXXX XXXX XXXX Missouri XXXX. 
I have asked them to change this for several years and they ignore me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX - XXXX Dear : I XXXX XXXX consumer , and natural person, am aware of all right that I have, and which are protected by the Congress under the fair credit act ( FRA ). The Iist of account below has violated my federal protected consumers right to Privacy and confidentiality under 15 use 1681. 
( XXXX ). Account Name Exeter Finance LLC Account Number : XXXX XXXXXXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account number : XXXX 15 u.s.c 1681 602 A states I have the right to privacy 15 u.s.c 1681 section 602 A states 2 : It also state a consumer reporting agency can not furnish an account without My written Instructions, with respect to my privacy Im asking you to Delete these account immediately, unless you want to be held {$1000.00} per Violation. 
XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX ATM DEBIT XXXX XXXX XXXX XXXX XXXX XXXX {$22.00} XX/XX/XXXX PURCHASE AUTHORIZATION XXXX # XXXX {$700.00} XX/XX/XXXX PHONE TRANSFER To CHECKING XXXX {$400.00} XX/XX/XXXX XXXX XXXX XXXX {$26.00} ON XX/XX/XXXX THEY DID A TRANSFER OF {$400.00} TO ANOTHER ACCOUNT THAT I DID  NOT AUTHORIZE AND LABEL IT PHONE TRANSFER WHICH IS FRAUDULENT STATEMENT THIS IS NOT THE FIRST TIME THEY HAVE DONE THIS IT THIS WAS TO COVER A BALANCE THAT I HAVE NO IDEA WHAT ITS FOR I HAVE REQUESTED INFORMATION ON THE DEBIT AND HAVE RECEIVED NO RESPONSE THEY CLOSED ONE ACCOUNT THEN MONTHS LATER REOPENED IT SAYING THERE WAS A BALANCE ON IT. THEY NEVER GAVE ME PROOF OF WHAT THE BALANCE WAS THEY THEY RESTRICTED ONLINE ACCESS TO THE ACCOUNT SO I CAN NOT EVEN SEE WHAT THEY ARE DOING WITH THE ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier complaint not addressed they sent me this falsehood. i have tried to contact them multiple times by phone can not get through they hang up or give another number same issue. Can not access through email receive this reply- Another end run! 
I have tried they do NOT connect as usual!!!! 

On Tuesday, XX/XX/2019, XXXX XXXX EDT, Experian Customer Support ( XXXX ) <XXXX> wrote : Dear XXXX XXXX XXXX : Thank you for contacting Experian CreditWorks Basic. I understand your concerns and apologize for the delayed response. I will be more than happy to assist you. 

However, you have contacted the Customer Member Services and I am unable to access the information needed to assist you. You would need to contact our National Consumer Assistance Center to process this request. Please give them a call at, XXXX. There may be a bit of hold time, depending on the call volume at the time you may call, and the representatives may only assist you with Experian information, not XXXX or XXXX. 


You can reach XXXX by giving them a call at XXXX. XXXX can be reached by calling them at XXXX.
Product: Credit card or prepaid card

I opened a credit card with XXXX  XXXX with a special 1 year interest rate. I paid the balance off before the specified time period and the card had a XXXX balance. A year ago I charged more items on the card and once again paid. 6 months ago I charged several hundred dollars and paid again. I paid the card off last month and after the card was paid the company added XXXX in finance charges. The card was set to pay off the balance the company went back and added finance charges onto a balance that paid off and from normal use of the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded in my vehicle for a new vehicle. The company that i traded in the vehicle with said that i didn't have to make any more payments once i traded in the vehicle. That the only payment i needed to make was for my new vehicle. However, the motor company put a late pay on my report because the company didn't fill out and turn in the paperwork on time before my payment was due. They said that i needed to dispute it with the bureaus and it would be removed but i did that and it isn't being removed. It is effecting my ability to get the best interest rate for the home i am trying to purchase.
Product: Debt collection

I received a collection letter from ARM Solutions XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX. The collection is on behalf of XXXX. 

Today, XX/XX/XXXX around XXXX XXXX I called ARM at XXXX. The agent briefly introduced himself, but later refused to state his full name. 

I stated that the goal of my call was to start a dispute. The agent refused to listen to me and refused to provide me with a way to initiate the dispute. He informed me that I have no rights to start a dispute and that I have to call the creditor directly. 

He tried to confuse me by stating that their action is not collection action. 

I request that an investigation into ARM practices be performed. I also request that this collection action be terminated due to unfair practices. 

Thank you XXXX XXXX
Product: Payday loan, title loan, or personal loan

I lost rime do to cov XXXX and got behand on my payments and have been trying to work something out with them so i made a payment of {$250.00} on XX/XX/2022 the told me that it whould keep it from going to collactions so they then then harassed me saying if i did not make another payment my account will go to collaction so on XXXX i set up a payment with my debit card for the amount of {$290.00} to keep my account from going to collactions then then refused my payment then send my account to collactions and broke the agreement we made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for these debts and do not have a contract with them. They did not provide me with the original application/contract with my wet signature like I asked for or Lisence to collect debt in my jurisdiction. And it's been more than 30 days as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$5800.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my grave concern regarding the erroneous information that your organization has reported on my consumer report. I categorically state that I have never applied for any credit with your institution, and therefore, any information reported by you is not only incorrect but also misleading. 

According to the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ), I am entitled to dispute the accuracy or completeness of any information in my file. Moreover, Section 609 ( a ) ( 1 ) of the FCRA mandates that upon request, a consumer reporting agency must disclose all information in the consumer 's file at the time of the request, including the sources of the information. I have not received any such original application or source of information from you, which is a clear violation of my rights under the FCRA. 

Furthermore, your practices appear to be deceptive and in direct violation of the FCRA. Section 623 ( a ) ( 1 ) ( B ) of the FCRA explicitly states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

In addition to the FCRA, the XXXX XXXX Compliance guidelines, established by the XXXX XXXX XXXX XXXX ( XXXX ), require that all data furnishers report complete and accurate consumer information. Any failure to comply with these guidelines is a violation of the consumer 's rights. 

I would also like to highlight the unprofessional conduct of your representatives who dismissed my concerns and hung up on me during my attempt to resolve this issue. This is a clear violation of Section 623 ( a ) ( 5 ) of the FCRA, which mandates that a person who furnishes information to a consumer reporting agency shall promptly notify the agency if the information is found to be incomplete or inaccurate. 

Finally, it is important to note that even if XXXX XXXX has my signature stating its okay, they have still violated the law by paying Chex Systems for the information. This is in violation of Section 615 ( f ) of the FCRA, which states that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 

I demand that you conduct a thorough investigation into these matters and remove any inaccurate information from my consumer report immediately. I also expect you to provide me with documentation that you have complied with my request or a detailed explanation for your non-compliance. 

I trust that you will treat this matter with the urgency and seriousness it deserves. Failure to do so will leave me with no option but to seek legal remedies. 

Sincerely, XXXX XXXX
Product: Student loan

Hello, I have attempted to call Nelnet 4 times to get my password reset. The system says they are now requiring XXXX factor authentication when i log in but when i attempt to reset my password the online notification states they do not have a valid email address or phone number on file. However the XXXX times i have spoke to a representative this is information the use to validate my account along with my birthday and my social. I am unable to get in to view my bill and do not want to pay over the phone until i have had a change to view my bill and ensure i am set up on the best repayment plan. The representative told me they cant help me, but i do want to pay them and they are making it impossible.
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. I told XXXX, XXXX XXXX equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.
Product: Credit card or prepaid card

In XX/XX/2020 I had to get a loaner vehicle from XXXX because my car was being repaired. I had to present a card for any incidental damages. I have attempted to call Citi over 5 times and each time sat on hold for 1-2 hours with no conclusion due to being placed on hold indefinitely when asked to speak regarding my dispute. 

The entire {$430.00} should be reversed. XXXX provided no documentation of me committing to the insurance because I didnt sign anything. Please advise with this being the case how am I liable for this balance. When I escalated this in writing they did no investigation and continued to side with the vendor though they have no documented proof and now are threatening to report negative marks to my credit file
Product: Debt collection

GE Capital Retail Bank approved a fraud online application for one of their Dentist office and it was approved online. 
GE/CRB set me up with an account ending in XXXX. 
They charged my bank account for porcelain teeth for two people. 
After contacting them, GE sent me a letter stating I had been frauded. 
Since then I have continued to get the run around by phone to get my money back. 
The GE fraud & customer service keeps sending me back to each other. 
They are asking me questions I do n't know.
Product: Debt collection

Please remove this collection inquire off of my credit report. I did not authorize these creditors to run my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Consumer Loan

Started having mechanic issues with the vehicle and I have been unable to pay for the repairs and keep the vehicle. I would like have my payments reduced & modified. My payment is currently {$480.00}. I do want to retain ownership my XXXX vehicle.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Wells Fargo continues to charge me late fees when their own system shows that I am making more than the minimum payment each month.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) AXX/XX/XXXXXXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XX/XX/XXXX XXXX XXXX acct # XX/XX/XXXXXXXX acct # XXXX, XX/XX/XXXX XX/XX/XXXXacct # XXXX, XXXX acct # XXXX,XX/XX/XXXX acct # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has the following information on my credit report and it is not correct : Shows an address of : XXXX XXXX XXXX XXXX   TX XXXX have never lived in TX XXXX XXXX XXXX XXXX  TX XXXX have never lived in TX Shows a collection account from : Hunter Warfeild, Inc.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX  

This does not belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OR XXXX This account was never late.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX  This account was never late Shows an inquiry from : XXXX XXXX. I did not authorize this. XXXX. I did not authorize this. XXXX. I did not authorize this.

XXXX. I did not authorize this.

XXXX XXXX XXXX. I did not authorize this. XXXX XXXX XXXX. I did not authorize this.

XXXX/Pre-Owned. I did not authorize this.

XXXX XXXX. I did not authorize this.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

got a letter from i. c. system inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX saying I owed XXXX XXXX  {$9500.00} checked with XXXX  about this by phone and they said that the letter was a fraud and should be reported to the police to get a case # and then send that to XXXX. I call XXXX they said they don't take complaint numbers unless money is lost. Since I paid nothing they referred me to you to get a report number to send to XXXX from the FTC.