23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

American Education Services in XXXX, PA failed to notify me of a delinquency on my son 's student loan ( I am a co-signer ) .They had previously called me of the delinquency and I called my son who said he would pay it. I had n't heard from them after that and I thought the matter was taken care of. It turned out it was not paid and I was never notified. Eventually 90 days went by. Without calling me or giving me a chance to pay the outstanding amount overdue 90 days, they sent the delinquency to the credit reporting agencies. Now have a negative entry on my credit report. Had they called me and advised me of the delinquency I would have paid it and avoided this problem. So now I have a negative credit entry on my record and they are refusing to correct it even after I filed for a correction.
Product: Credit card

After loosing my Camera, I call the number on the back on my card. They said my purchase is covered by purchase protection under the " accidental separation '' clause with my Ink card. Chase They said I must file a claim at XXXX XXXX XXXX ( XXXX ). XXXX XXXX XXXX says under no circumstances are any " accidental separation '' covered.
Product: Credit card

THIS IS ONE OF MULTIPLE COMPLAINTS AGAINST BNY MELLON. AND 1 COMPLAINT OF THIS 1 FINANCIAL INSTITUTION OF SEVERAL THAT HAVE BEEN SENT BY INTERNET THE ( 1 ) DOXXING ARTICLE WRITTEN IN A FOREIGN COUNTRY BASED ON A LAWYER WRITING FRAUDULENT LETTERS AS MULTIPLE PATIENTS TO THE COLORADO BOARD OF MEDICAL EXAMINERS and ( 2 ) the reported IDENTITY THEFT caused by DOXXING FROM FOREIGN COUNTRY THAT HAS ILLEGALLY ACCESSED MY XXXX XXXX XXXX BASED ON FRAUD., ( XXXX XXXX # XXXX XXXX FTC Fraud Rpt # XXXX XXXX FTC Fraud Rpt # XXXX XXXX FTC Fraud Rpt # XXXX XXXX FTC Fraud Rpt # XXXX IRS pin recd IRS XXXX CyberCrimeRpt XXXX XXXX/ CFPB XXXX XXXX CFPB # XXXX CFPB # XXXX CFPB # XXXX CFPB # XXXX CFPB # XXXX CFPB complaint XXXX Homeland Security, Cybersecurity & Infrastructure Security Agency Incident ID # XXXX XXXX  # XXXX ) BNY MELLON has caused THIS FINANCIAL ABUSE and FIDUCIARY IRRESPONSIBILITY, and harbors this DOXXING article at the level of the EXECUTIVE BOARD. I SHALL PROVE AGAIN BY THIS REPORT. And, therefore YOUR ROLE IS TO REPORT THIS FINANCIAL INSTITUTION TO THE FBI, the FTC, and the DOJ to search the records of XXXX XXXX for the internet spread of this DOXXING ARTICLE. I'M XXXX y/o and this is an XXXX XXXX, as well. 

BNY MELLON is the sole reason both XXXX XXXX  and XXXX have dropped their accounts. THEIR RESPONSES ARE MERE INCORRECT REPETITION OF THEIR OWN PAST MISTAKES only relating to a DEBIT CARD. Nothing is mentioned as to the stock brokerage services ...... NOTHING ... CFPB MUST ASK WHY DOES ANY DEBIT CARD inadequate funding by the bank... INFLUENCE THE BROKERAGE SIDE. WHO RUNS XXXX or XXXX,,, BNY MELLON?? 

THE EXECUTIVE BOARD OF BNY MELLON is using this DOXXING ARTICLE TO DISCRIMINATE AGAINST ME. They will deny receipt of this foreign generated weapon of financial disaster designed by foreign country which was sent to the IRS to access my TAX RECORDS. i have made this simple and spelled out what you NEED TO DO, or CFPB will be seen as hiding this crime, making YOU JUST AS GUILTY. CFPB NEEDS TO REPORT THE SUSPICION OF THIS ACTIVITY, ON MY BEHALF, to any and all organizations capable of EXAMINING COMPUTERS of the EXECUTIVE BOARD OF BNY MELLON for international security because this foreign report has been seen in the records of the IRS as well. The IRS released A USA CITIZENS TAX RECORDS TO A FOREIGN COUNTRY BASED on these DOXXING False articles, that BNY MELLON HAS. WHY WOULD BOTH XXXX ( took months ) & XXXX ( took only weeks because BNY MELLON Is only common link ) XXXX XXXX XXXX XXXX / FTC Fraud Rpt # XXXX XXXX FTC Fraud Rpt # XXXX & FTC Fraud Rpt # XXXX & FTC Fraud Rpt # XXXX IRS pin recd IRS XXXX XXXX # XXXX/ CFPB # XXXX CFPB # XXXX CFPB # XXXX CFPB # XXXX CFPB # XXXX CFPB # XXXX Homeland Security, Cybersecurity & Infrastructure Security Agency Incident ID # XXXX XXXX  # XXXX ). letters, evidence, etc are not attached as these financial crimes has me XXXX without access to a scanner at this time
Product: Student loan

I attended XXXX XXXX University from XXXX - XXXX, and I took both Private and Federal subsidized and unsubsidized loans. The school then closed after the XXXX school year. 

In the fall of XXXX and XXXX of XXXX, two of my fellow nongraduating classmates each received letters from the US Department of Education stating their loans had been discharged by a " Closed School Claim ''. Additionally they received checks returning any payments made toward the loans. I made several attempts to contact my loan lenders ( Navient and XXXX XXXX XXXX, and they both failed to provide any clear resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX XX/XX/2018 Experian has on my credit report 2 of the same address which there should only be 1 not 2 duplicated address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Product: Debt collection

I recently disputed some debit in Experian  because I have no knowledge about the charges Which I did the same for the other 2 credit XXXX XXXX and XXXX   and they removed what in my credit but not Experian  which prevent me from refinancing my home and getting high interest rat for my 2 car loan
Product: Credit reporting or other personal consumer reports

I just recently pulled a copy of my latest credit report. I saw that I had some unauthorized hard inquiries and I do not know where they came from. I believe I am a victim of identity theft and these inquiries are hurting my credit report. I am in the process of purchasing a home for my family and this is hurting my chances of being approved. Please remove the listed inquiries that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX 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
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell credit bureaus that I am a victim of identity theft, and I complain to question specific records in my document that came 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, remove any noteworthy information from my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$600.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/17 I received XXXX XXXX credit card in the mail at my XXXX address, account ending # XXXX. I reported identity theft to XXXX 's - XXXX XXXX XXXX. XXXX 's processed claim to close card. I received letter dated XX/XX/17 to my previous address in XXXX XXXX, IL XXXX that I had applied for XXXX 's credit card - XXXX XXXX XXXX Ref ending # XXXX. I contacted XX/XX/17 to report identity theft. I received another letter dated XX/XX/17 to my previous XXXX XXXX address that I had applied for XXXX XXXX XXXX credit card -XXXX XXXX Ref # ending XXXX. I contacted XXXX XXXX on XX/XX/17 to report identity theft. XX/XX/17 Called XXXX XXXX to report identity theft on XXXX XXXX XXXX credit card inquire ref # ending XXXX. XX/XX/17 pulled credit report, submitted fraud alerts with all XXXX credit agencies, submitted Police Report and Identity Theft Report to Federal Trade Commission. XX/XX/17 Submitted extended fraud alerts via mail request and mailed dispute requests to credit card companies and credit agencies.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that i didn't authorize
Product: Vehicle loan or lease

I took out an auto loan from Ally Financial in XXXX of XXXX. Starting approximately XXXX of XXXX for a period of 6 to 7 months, this company neglected to report my payments to the credit bureaus. I was told this was due to a system wide glitch. Since this initial period of time, on at least 6 other occasions ( ranging from 1 month to 3 months ), they have neglected to report my payments to the credit bureaus. I have spent countless hours on the phone with customer service trying to get this issue rectified. I have been transferred countless times, repeatedly refused access to supervisors and the credit department and have been disconnected by rude CSRs who simply did not feel like doing their job, more times than I care to remember. The payments should be reported on the XXXX of every month. The last time my payments were reported to XXXX  and XXXX  was XX/XX/XXXX, only after multiple calls. Ally Auto has not reported my payment to XXXX  since XX/XX/XXXX, even after repeated calls to this company. For over a year now, my payments have only been reported after multiple phone calls to Ally Auto and sometimes not even then. Clearly there is an issue here that no one has cared to look into! Making my payments on time is my responsibility. I should not also have to be responsible for making sure my payments are being reported as well.
Product: Debt collection

I submitted payment to settle my debt with CITIBANK for a secured credit card account that is reporting as a CHARGE OFF on my credit reports. 

I offered Citibank payment for removal of the charge-off from my credit reports. To summarize my letters, I stated by accepting payment enclosed Citibank agrees to removal and deletion of the debt. 

If they did not agree the could have mailed back my check, I enclosed a self address stamped envelope. Citibank accepted my payment, but is continues to report on my credit reports and refuses to do what was agreed if payment was accepted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bought home on XX/XX/2019 from XXXX XXXX. XXXX XXXX, an affiliate of XXXX XXXX, took on our va loan and 1st payment was due on XX/XX/2019. We paid in full on XX/XX/2019 and got from XXXX County, Az a copy of home title saying also that it was our home paid in full. Evidently, XXXX XXXX sold our loan to Mr. Cooper who has been calling, sending invoices, harassing us twice a week along with sending late notices. Tried to contact both XXXX and Mr. Cooper many times and still getting nowhere. Mr. Cooper has put our so called loan on our credit report. Filed with XXXX   to have it removed but no luck so far. Tried to explain that we did not have a loan with them but they don't care still harassing and threatening to ruin our credit. We are stuck in the XXXX and Mr. Cooper, who XXXX told us Mr. Cooper would not take over loan until XX/XX/2019. Please help as we are elderly, husband a veteran and XXXX. Don't know what to do.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

There is a pubic record that remains on my LexisNexis report. It is not me or associated with me in any way. The address doesn't match any address I've ever lived. 
This is a mix up of records and is interfering with my ability to get credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX  XXXX Balance : {$7100.00}
Product: Vehicle loan or lease

On XXXX XXXX I bought a XXXX XXXX  from a company call XXXX XXXX on the day I bought it I had problems with it first the seat on the drive side was supposed to been fix but it never happens then my engine light came on I what back to them the same day and told them and nothing happens then I ask them can I get a trade In they said no XXXX I spent {$600.00} out of my pocket when I did not have it for a rental car that they supposedly reimburse back to me it never happened. Then they told me to get in touch with a company call XXXX XXXX am on a fix income and can afford to get this car fix where I can get my XXXX XXXX back and forth to XXXX and it hard XXXX  me get another vehicle so can I get some help thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Derogatory report was drop but still not fix XXXX
Product: Credit reporting or other personal consumer reports

While I understand the sequence of events in the last 4-5 months, what is still unclear is how this charge was ever approved. I had frozen my account long before this, and without my approval or initiation it was no longer frozen. That is why this charge was applied to my card and was the root cause of this issue. I don't agree that the charge went through because it was a recurring payment, I had no issues with the charge being blocked for practically the entirety of 2023. It was not until my card was unfrozen without my authorization, that the charges occurred again.
Product: Debt collection

Professional finance has on multiple occasions inundated my personal phone with harassing phone calls in an attempt to collect, so much so that I have had to change my number multiple times to get it to stop.

XX/XX/XXXX-143 calls for two different collections balancesXX/XX/XXXX-87 calls for two different collections balancesXX/XX/XXXX- <25 calls for two different collections balances
Product: Checking or savings account

Deposited {$620.00} cash into Suntrust checking account on XX/XX/2021at XXXX and the money was made available right away and I could see it in my online banking. Today, XX/XX/XXXX I attempted to access my online banking and the account was locked. After calling the customer service number I was instructed to go to the branch and was told my deposit didn't show up in their systems. When at the branch, I was told that they made a business decision to close my account, and that they couldn't see where I made any deposit into my account. They said my balance at closure was {$100.00} and not {$720.00}. The branch banker said I'd receive a check for {$100.00}. I was instructed to visit the branch where I made the deposit and they could fix the problem. After visiting the branch where I made the ATM deposit, they told me there was nothing they could do and I had to call the customer service number. After calling the customer service number again, they claimed they filed a dispute, but gave no timeframe for the dispute, and no timeframe as to when I would see the total account balance refunded to me. I am now in a situation where rent is due in 7 days and I need access to the cash I deposited in my account. I shouldn't have to wait for a check when this wasn't my fault to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 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 be investigated and deleted for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Penn Credit Corporation is a third party collection agency who collects for online Pay Day loans. 

XXXX is the phone number that belongs to the collection agency. They have been calling me at work non stop 3-4 time per day. Same as my cell phone. The do n't leave a message but my business phone is being tied up when they are calling me. 

The even try calling from an unknown phone number that shows no caller ID and even use their personal cell phones to get me to respond. I may be filing bankruptcy and this harassment has got to stop. I have them blocked on my cell phone but I can not block them from my work phone.
Product: Payday loan, title loan, or personal loan

I down loaded a copy of my credit report from XXXX XXXX XXXX XXXX  XX/XX/2018. My XXXX   report say my score is XXXX but Avant say its XXXX when applying for a loan on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a collection on my report from XXXX XXXX which shouuld have been removed and still has not. I have requested that the Credit bureaus Equifax and XXXX  remove this collection and they have still not. Please HELP!
Product: Mortgage

Their phone lines do NOT lead to operations ; they go only to recordings. This has been the problem for more than 12 months. They only call after a complaint to your offer, which is a waste of tax dollars, your time, and my time. They do not reposed to 'Chat ' messages. It is a continuous sea to keep legitimate data out of the hands of consumers.
Product: Debt collection

I have sent numerous letters to the CEO or NCB Management regarding this issue asking for " validation '' meaning evidence bearing my signature, contractual obligations for this debt and claims of 120 past due. I have yet to receive anything from NCB. I sent a certified letter on XX/XX/18, XX/XX/18 and XX/XX/18. Each letter was signed for. I also sent a letter to the three credit bureaus XXXX XXXX, XXXX, and XXXX asking for the same information, they keep stating its been verified but haven't sent me the documentation requested showing how they verified, nothing bearing my signature or how they came up with the 120 days past due. The letters stated this had to be done withing 30 days or the negative tradeline must be removed from my credit report. They all have not done what was requested within the 30 days and have not removed the negative tradeline from my credit reports.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX {$33000.00} XXXX XXXX XXXX XXXX {$5300.00}XX/XX/XXXX XX/XX/XXXX XXXX {$1800.00} XX/XX/XXXX XXXX {$2200.00}XX/XX/XXXXXXXX XXXX {$5400.00} 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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 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