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

Checked my account and saw my score down -54 points with no explanation this is a deceptive technique as this is retaliation for informing cfpb and other federal agencies about the fraud that is being done on a nationwide level. 1681 ( b ) - CRAs must follow reasonable procedures. Must be fair and equitable to the consumer. 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the Gramm Leach Bliley Act. Notice, it is a fact, affiant is aware, a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act. XXXX  was not given the chance to opt-out of having this reported information about XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX not being reported and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) and must be removed. 1681a ( 2 ) ( B ) - if a transaction was authorized by your social security card, the real credit card first defined understand the Truth in Lending Act, this transactions must be excluded from your consumer report. Notice, it is a fact, affiant is aware the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority.
Product: Vehicle loan or lease

FMC reports XXXX XXXX XXXX XXXX payments. All payments were made on time.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX. 
Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I had a closed Victoria Secret credit card. It was paid off, no balance owed. 

Someone unknown to me went into a store purchased items using my social security number on the keypad, with no card or ID present. This also re-opened my closed account. 

Commenity Bank calls me 8-12 times a day. Everyday, at XXXX they call my phone and wake me up from a deep sleep. ( I work late hours ). Throughout the day, they continue to call while Im at work using no caller ID, so I wont know its them. 

I feel completely harassed and over whelmed by the constant calls. Also, they want me to pay the balance on a card I had closed! I have no idea who stole my social security number, but they allowed someone to use it at the register by punching it into the key pad. It is THEIR fault for allowing the card to be re-opened and used, with no ID or card present. They failed to protect me as a consumer. I should of been called from the store to verify, or ID shown. 

I can not take this harassment any longer. Im desperate for help. I have a medically fragile son, who calls from unknown numbers often, so Im forced to answer these no caller ID calls in case it is him. 

8-12 calls a day I believe is harassment.
Product: Checking or savings account

They were charging me so my account was getting insufficient pay on it all the time that is why I left them
Product: Checking or savings account

I was contracted to assist a XXXX company XXXX with their domestic clients past due accounts on XX/XX/21. My agreement was to collect these funds deposit into my business account SIRID at NFCU and that I was to deduct my commission or costs and forward the balance to XXXX. I received contacts from their clients and verified via XXXX. I receieved a check from XXXX XXXX of XXXX Wisconsin in the amount of $ XXXXas expected deposited into my business account personally with very clear instruction that I want to be notified when the funds have " CLEARED ''. The teller at the XXXX XXXX branch said that it would only take a day or two I said I am not in a rush. On XX/XX/21 NFCU posted this check as cleared in my account. I contacted NFCU via phone and was again confirmed that the check had cleared. I proceeded to NFCU in XXXX XXXX Ca to then complete the transaction by sending a wire in the amount of $ XXXX. Once again I asked if the check had cleared NFCU said yes- I sent the wire and on XX/XX/21 I went on line and my business account had been frozen the check was returned and I was obligated to pay the $ XXXX per NFCU the security department told me its my responsibility and would I like them to place a hold on the wire I said yes I asked why they never contacted me and that I was the one contacted them. On XX/XX/21 I called NFCU security and spoke XXXX after explaining this she also asked me if I wanted a hold on the wire -it took 5 business days for NFCU to implement actions to recover or stop the wire. At that point my accounts had been cleaned out at NFCU they took $ XXXX in my business and savings account and even took my social security payment. I spoke with 2 additional security people at NFCU and their response to their lack of notification and implementation was at best cavalier. I offered to go to mediation they refused I offered a settlement they refused. I have no money I am XXXX and just had XXXX XXXX operations in the last 6 weeks. NFCU told me that " cleared " is defined by them differently and that I was liable. They breached their fiduciary responsibility to me as well as business client. Conducted their own investigation of themself and they have self judged that they did nothing wrong. The covered up their misleading incorrect responses and rather than show the proper integrity they pass it on to me. I will be forced into bankruptcy at XXXX and my XXXX XXXX XXXX company XXXX will be destroyed. Help me please XXXX XXXX
Product: Student loan

In the month and date of XX/XX/2018 it was reported on my credit report that I was delinquent 60-89 days on my account when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank, but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a personal loan because of this mark on my credit and the company will not help me with this unpair situation.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a letter from Synchrony Bank, dated XX/XX/XXXX regarding my DISCOUNT TIRE/SYNCHRONY CAR CARE account ending in XXXX. Basically it stated After a review of your account, Synchrony Bank has decided to close your account. Their decision was based in part on a credit scoring system that was used to PREDICT MY CREDITWORTHINESS. It states the reasons also indicate the CREDIT CHARACTERISTICS that I dont score well. *Lack of Real Estate Secured Loan information * Too many Revolving Accounts with high balance compared to credit limit * Too many Bankcards with high balance compared to credit limit * Too many Recent Delinquencies. That account was opened in XX/XX/XXXX, the payment status was CURRENT and the last payment made was on XX/XX/XXXX for {$47.00}. Im not sure WHY or WHAT the reason for closing that account when it wasnt delinquent, over the balance or late in payments. To close the account because I dont have Real Estate, or high balances or any other excuses given was very discriminatory. When I called the company on XX/XX/XXXX to get a better understanding of their reasons for closing the account, a customer service representative said it was a decision from XXXX, and I would need to contact them. I have On Time payments with my credit card accounts, with the exception of 1 closed DISPUTED account, and for SYNCHRONY BANK to label me as Too Many Delinquency .. PROVE THAT TO ME, CHECK MY PAYMENT HISTORY and NO, I DONT OWN ANY REAL ESTATE but does that disqualify me from having credit cards? DISCOUNT TIRE/SYNCHRONY BANK seems to think so.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 corrected for erroneous reporting in my file and 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
Product: Debt collection

I purchased a coat on Amazon for {$220.00} on XX/XX/XXXX. I returned the coat on XX/XX/XXXX. The return was not credited to my account so I opened a dispute on XX/XX/XXXX with Chase. Chase initially credited my account and then said Amazon rebilled on XX/XX/XXXX. My communication with Amazon was that they never rebilled. I reopened another dispute with Chase on XX/XX/XXXX based on my communication with Amazon. In the meantime Chase recorded two months of negative credit reporting.

Amazon repeatedly denied rebilling my account. My third dispute in XX/XX/XXXX explained the confusion. Amazon did not credit my card, they changed their website to default to an Amazon credit and I did not notice. 

I paid the balance and closed the account in XXXX. I would like the negative credit reporting removed.
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccurate late payment entries on my credit report for my XXXX XXXX account. Despite my adherence to a payment plan that reduced my monthly payments and included a {$150.00} payment made on XXXX XXXX XXXX, which was processed successfully, XXXX XXXX has misreported my payment history. This error directly violates my rights under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verifiable reporting. XXXX XXXX one of the four major credit bureaus, has already corrected its reporting to reflect no late payments, as evidenced by the attached documentation. These inaccuracies have caused undue harm to my creditworthiness and financial opportunities. I urge XXXX XXXX to immediately correct these errors, ensure compliance with the law, and provide confirmation of updated reports to all affected parties. Failure to resolve this matter will prompt further action with regulatory authorities to protect my rights. 

I have attached all supporting documentation, including evidence of the payment made on XXXX XXXX XXXX history of internal reporting of payment and their inconsistency, proof of my payment plan enrollment, my social security card, my id, my most recent bill ( proof of address ) and a screenshot from XXXX reflecting accurate reporting. 
Please address this dispute within the XXXX period required by the FCRA.
Product: Debt collection

Equifax I have disputed this account for 6 months with you XXXX, the XXXX CFPB, FTC, Attry Gen CA No one can get any evidence on this account that I made it or its mine inXXXX I filed a fraud alert as got a pin from the IRS because someone was using my information .Enclosed is copies of responses that show there is nothing. I know you claim you do an investigation but you can n't tell me that these goverment agencies can n't do better than you in a investigation because they get no response also. I contacted the FTC on XX/XX/XXXXby phone they had nothing to report also, REMOVE THIS ACCOUNT FROM MY CREDIT REPORT as you state if it can not be verified it is removed I don't by mean old information you use but by up to date investigtion as these companies have tried .Please do not send me a templetere3sponse THERE'S NO EVIDENCE THAT I MADE OR APPLIED FOR THIS ACCOUNT.REMOVE IT also any response will be forward to the CFPB, FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted ( and made disputes ) with Experian several times about a Fraudulent account appearing on my credit report. Every time I do a dispute with Experian comes back stating that the account has been " verified '' and the debt is mine. Which is completely false. Experian has not provided me with any proof of their investigation or proof that the debt is actually mine. The account in question is ... .. XXXX XXXX XXXX Account Number : XXXX ... ... .. I would like to see signed proof that I opened this account and the debt is mine. It will be impossible to furnish that proof because I have never done any business with this company.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following accounts, and inquiries are not affiliated with me nor are they authorized by meXXXX 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  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$880.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Ive been having trouble making my payments in EVERY bill I have due to this pandemic. XXXX inside of Value City Furniture has repeatedly called a harassed me about payments when Ive explained to them SEVERAL times the issues Im having. Im angry and fed up with the harassment. Once I receive the help Ive applied for or when I am able to return to my normal working hours I am willing to pay whatever I owe as Ive told them several times, but they continue to call me everyday and harass me and ask the same questions over and over again. This is very stressful for me as I already have a lot going on not only trying to figure out bills and how I will feed my child but also my childs health  issues. She is high risk for covid complications and is also suffering from XXXX  XXXX.
Product: Debt collection

My wife and mine 's identity has been stolen. I am now seeing there are accounts on my report that are not mine. I have attached the police report, letter, and copy of my XXXX  letter confirming my XXXX XXXX  and phone number were compromised.
Product: Student loan

For the past three months, I have been forced by my student loan servicer, Navient, to make a {$50.00} payment ( each month ) on a loan that I had recently paid off in full ( on XXXX/XXXX/16 ). The reason why I am paying each month is because I missed one payment and it significantly lowered my credit score ( which I work very hard to keep up ). I missed that one payment because Navient added the loan back on to my account WITHOUT notifying me. It is important to note here, that I have ALWAYS been enrolled in auto debit. The auto debit on this particular loan was CANCELLED due to the fact that I had previously paid it off in full ( I have the documents sent from Navient to prove this ). I called Navient multiple times ( wasted hours on the phone with many different representatives ) trying to get to the bottom of why a loan was still listed on my account ( as well as still accruing interest! ) when I had already paid it off. I was told that there had been a " payment reversal '' and that I should check with my bank. Having checked with my bank, ( I even uploaded pictures of my bank statements to Navient ) I tried to explain that clearly there was never any " reversal ''. I never got any money back. What was even stranger, was that there are a whole bunch of payments and reversals listed on my account that I had never been a part of! Navient claims that I was given back roughly {$7000.00} and had paid around {$12000.00}. I told one rep that I had done no such thing and asked him to explain all of that to me and he told me that the payment was paid to a loan that we both agreed was not even one of my loans listed! With that being said, nothing could get done about it. Each time I called, they told me that " it was being investigated ''. It has been three months now! How many more months do I have to keep paying for a loan that I already paid off?! It does n't sound like anyone at Navient is looking into my account and I am very nervous about all the money being moved around when I am not even touching it. I work hard to save my money up so that I can make a large payment every now and then ( that seems to be the only way that I am able to make a dent in my balance ) but, I am too scared to make any more payments on my loans because of this issue repeating itself! I really want to finish paying off the rest of my loans as soon as I can. I find it incredibly frustrating that I have reached out several times to Navient about this and all they want is the {$50.00} payment.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Debt Account Number : XXXX Creditor : XXXX XXXXXXXX Amount : {$280.00} Dear Sir or Madam, I am writing in response to a notice I received regarding an alleged debt referenced above. This letter serves as a formal request for validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : Verification of the debt : The amount of the debt and an itemized statement of how it was calculated. 
Creditor information : The name and address of the original creditor to whom the debt is owed. 
Proof of your authorization to collect this debt on behalf of the original creditor. 
Documentation of my liability : Copies of any contracts, agreements, or signed documents that prove my legal obligation to pay this debt. 
Proof that the statute of limitations on this debt has not expired in my state. 
Information on the chain of ownership if the debt has been sold or transferred from the original creditor to your agency. 
Please cease any further collection activities, including reporting this debt to credit reporting agencies, until you have provided proper validation of this debt. 
Additionally, I request that you inform any credit bureaus to which you have reported this debt that it is currently being disputed. 
Please send all documentation to my mailing address listed above. If you are unable to provide the requested validation, I ask that this debt be removed from my credit report immediately. 
Thank you for your prompt attention to this matter. 

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

In XXXX of this year a collection showed on my Experian report from XXXX XXXX. I called them and found it was from auto club auto renewal from 3 years ago. I explained I had auto club 4 years ago, canceled them when I changed to XXXX which Ive had for 4 years. Ive demanded it be removed three times and its still on there.
Product: Credit card or prepaid card

Hi, my name is XXXX XXXX, and I am a XXXX  XXXX  living in XXXX XXXX, IL. I have a credit card with Bank of America, and it's a joint account with my husband, XXXX XXXX, who is a XXXX veteran. Starting XX/XX/2022, I started experiencing fraud on this account for more than XXXX dollars. I called the bank and started a dispute, but they only gave me a small portion of the money back, and still haven't finished the investigation after six months, but they took the temporary credits away and started charging me interest while this dispute was still ongoing. I spent more than XXXX hours and called them more than 20 times. Everyone gave me some different answers, but no one gave me a clear answer why. Furthermore, I never received any notifications from BOA of what actions they were taking. I was totally in the dark. I feel extremely disappointed with how we are being treated as seniors who are victims of fraud attacks. I hope the government can help us get our money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed fraud on my credit reports. Ive had fraudulent activity on my personal and business credit reports. I believe its from a stolen laptop and a break-in to my van. Ive already contacted some of the creditors and told them I never applied for their card or their account. Ive also contact the State of Florida to explain the person trying to purchase a home and cars in my business name does not work for me nor have I ever heard of them. I was told by the authorities this is a common practice from thieves to steal identity from older businesses. Please delete these fraudulent names, inquiries, addresses and accounts from my credit reports listed on the attached FTC Report. 

Also XX/XX/2022 I also noticed a new inquiry on my XXXX report for a RV company XXXX XXXX. I have no place, no need or room for a RV. I tried to call the number listed and it does not work. Hoping they had cameras. I recently purchased XXXX lock feature to ensure this stops. So no need for a fraud alert.
Product: Credit reporting or other personal consumer reports

In XXXX 0f 2023, my wife and I went on a cruise. We left out of XXXX to XXXX and then to the cruise. Upon returning, albeit months later, we discovered that someone stole mail from our old apartment and created fake identities to open up fraudulent accounts in my name. The accounts were opened at Ulta ( Commenity Bank ) and XXXX XXXX ( XXXX XXXX ). My credit dropped from the XXXX to under XXXX and I immediately filed disputes with XXXX, XXXX and XXXX, all on XX/XX/scrub>XXXX XXXX, 2023, with the expectation they would be removed. I was shocked to receive confirmations from the credit bureaus saying that both companies validated the accounts. I called XXXX and was transfered to an identity theft specialist. They told me that I should have chose " Identity Theft '' instead of " Account not Mine '' and walked me through how to refile this and how to file a report with XXXX  and a police report. My wife and I went to the stores where the accounts were opened and spoke to employees at both who verified that it was theft, then filed an official report through www.identitytheft.gov and filed a police report. We also froze my credit at all 3 bureaus and locked all future credit and added statements to the reports. However, despite it being nearly 9 months later and after speaking with the companies, XXXX, XXXX and XXXX, the accounts are still reported as late and the banks are telling us that we need to pay. We can not buy a new house or get a new lease on our car because of this. When someone slips through the cracks of these big agencies, their lives can be negatively impacted and be forced to deal with financial implications that are beyond their control, and they are not held accountable. I ask that someone gets us the help that we deserve and take it upon themselves to correct this incredible error.