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

Transunion is reporting incorrectly a charge-off on the XXXX partial account number XXXX. ( Please see page 15 of the attached credit report. ) After speaking with a representative from XXXX XXXX, they still have my account at their office and this account has not been sold. I received a telephone call from a person named XXXX and the company that contacted me is - ICR. The telephone number is XXXX ext XXXX. This person XXXX claimed that the Build Card had been sold to their company XXXX - for collection and that I was to make a payment directly to them ( XXXX ) immediately or I would be served and then sued with wage garnishment. This is clearly a scam and for me to threatened with garnishment is unacceptable. This incorrect reporting of a charge-off is harming my XXXX XXXX and this line item needs to be removed from my credit report. I have contacted the bureau to remove this item however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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: Credit card or prepaid card

NORDSTM/TD is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( DF ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( NORDSTM/TD XXXX )
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX  inaction violates federal law and my rights as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My husband and I purchased a new XXXX XXXX XXXX XX/XX/XXXX with the original loan balance being XXXX. The interest rate was 16.78 percent with a payment of XXXX monthly for 6 years. The total interest paid was to be a little over XXXX over the course of the loan. As of yesterday we have paid XXXX with XXXX going towards interest and only XXXX being applied towards the principal. About a week ago they repossessed the car and are refusing to reinstate the loan so I went on to see what the balance owed was so we could redeem the vehicle that we certainly have over payed for and that's when I realized how little of our money has been applied correctly. I have printed my entire payment history and there were roughly 3 years worth of payments that very little ( less than XXXX ) was applied towards principal. I'll admit there have been some late payments but after reviewing the paperwork it doesn't seem logical that late payments and completely unexplained fees would extend the life of the loan by what would certainly been another 3 years at this pace. All I'm looking to accomplish is have them adjust the balance to what it should be so I can pay the balance off and get the car back that we've already paid almost XXXX towards what should've been a XXXX loan.
Product: Vehicle loan or lease

Found the vehicle that I wanted at XXXX XXXX via XXXX XXXX. Called to confirm availability ( XX/XX/2021 ). Once it was confirmed available, I did a pre approval through XXXX XXXX. I contacted the dealership shortly after they opened ( XX/XX/2021 ) and was put in touch with a dealer by the name of XXXX. I gave him my pre approval number and I was told that the ball was rolling on the purchase. Even got a call from the finance department telling me to come pick up the vehicle. 15 minutes later, I got a call from XXXX saying it was already sold. After that, I got a notification from XXXX XXXX that I had a new credit inquiry from the Jpmcb Auto. I found out that they ran my credit even though I was already pre approved through XXXX XXXX. Over the next 2 days, I had 2 more inquiries added to my credit report. Now XXXX wont reply to my text or answer my calls and finance department wouldnt pick up until I called from a different number. When I talked to the finance manager, I asked why my credit was ran after I already had a pre approval and he said that the interest rate that I was given wasnt good for me and that he didnt know anything about me and claimed that XXXX XXXX didnt send any of my info over so they had to run it again. The car is still available on XXXX XXXX and their website as of XXXX XX/XX/2021
Product: Credit card

Using a Macy 's credit card issued by XXXX XXXX, I purchased on XXXX XXXX, 2016 men 's socks for a total of {$21.00}. A statement for that amount was mailed to me, which I should have paid on XXXX XXXX, 2016. Since I was overseas until XXXX XXXX, 2016, I failed to make that payment, as well as the payment for {$43.00} which a subsequent statement required I make by XXXX XXXX, 2016. I paid {$21.00} on XXXX XXXX, 2016 after seeing the initial statement in that amount, and a further {$61.00} on XXXX XXXX, 2016, after seeing the second statement. I immediately asked Macy's/XXXX to close my credit card amount. Nonetheless, I received yesterday upon my return from another trip, yet another statement which required me to pay a fee of {$1.00} by XXXX XXXX, 2016. Upon calling Macy's/XXXX on XXXX XXXX, 2016, they said they would waive the balance on the closed account ( {$2.00}, for another fee of {$1.00} had been already added ), but when I requested that they send me a statement showing a XXXX balance on the account they said they would not do it unless I paid them to issue it. I believe that for my own and others ' protection I had to bring this predatory behavior to your attention.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. Where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Consumer Loan

i called them on XXXX XXXX 2015 and said i need to do a voluntary surrender of my vehical. so they started typing on their computer.. they then said i need you to do a recording i said no i dont need to do a recording to do your surender. I said why? i just told you thats what i wanted to do. so i hung up.. they called since then since today 224 times.. and i have talk to them.. now they are harrasing me every time. my last phone call was well its your loan, you need to pay it. thats what i was told. i said do you ever look at the notes yes i do ... so you want to surrender the vehicle? i said yes they said hold on ... well its been 75 days past due how do you want to pay..i said what are you talking about.. i said if you really read the notes you would knwo that i said i want to surrender the truck
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXX XXXX XXXX XXXX Balance {$9800.00} XXXX XXXX XXXX XXXX XXXX Balance {$750.00} XXXX XXXX XXXX XXXX XXXX Balance {$600.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} XXXX Inquiry : XXXX XXXX, 2021 XXXX & XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account 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. The date open on the account is wrong they different dates that the account was open.
Product: Credit reporting or other personal consumer reports

Unfortunately, I have been a victim of identity theft and data breach, and my information was obtained fraudulently to open account accounts and open loans and credit cards, etc. I have reached out to all companies who has been a part of this unfortunate situation with me as a customer, and they all were willing to help me resolve this in which we did, but in regards to theses specific companies XXXX XXXX, and XXXX XXXX, Ive reached out to them several times and they refused as part of their investigation to freeze, block, or close the loans or accounts out as fraudulent. They also refused to provide sufficient documentation proof of what was used to approve the loans originally.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian and XXXX credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$1000.00}
Product: Debt collection

I received a letter stating I owed XXXX XXXX XXXX  of dollars. I have never financed through XXXX, I have great credit/financial history and they need to provide proof of when I took this loan out and how someone was able to obtain this information under my maiden name.
Product: Credit reporting or other personal consumer reports

Disputed Account Information : Creditor Name : XXXX Account Number : XXXX Account Type : Charge Card Account Status : Charged Off, {$1000.00} Written Off Balance : {$0.00} ( as of XX/XX/XXXX ) On Record Until : XX/XX/XXXX I have attached what the message from there investigation and they provide no paperwork
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I discovered that my identity had been compromised when I noticed an unauthorized car purchase amounting to {$6400.00} on my credit report. Realizing the severity of the situation, I immediately took several steps to address the issue. First, I contacted the credit reporting agencies ( Equifax, XXXX, and XXXX ) to report the fraudulent activity and place a fraud alert on my credit files. This alert notified potential creditors to take extra precautions before approving any new credit in my name. 

Next, I filed a detailed dispute with each credit bureau, providing them with evidence that the transaction was fraudulent. Additionally, I reached out to the creditor listed on the report to inform them of the unauthorized purchase and requested an investigation. To further protect myself, I reported the identity theft to the Federal Trade Commission ( FTC ) through IdentityTheft.gov and filed a police report to create an official record of the incident.
Product: Student loan

XXXX, NC XXXX XX/XX/2017 Consumer Financial Protection Bureau Consumer Complaints XXXX, IA XXXX RE : NAVIENT Loan-XXXX-1 Dear CFPB : I am seeking assistance with the proper application of my loan payment to NAVIENT. 
On XX/XX/2017 I made payment of {$920.00} ( please see payment receipt enclosed ) to NAVIENT for Loan XXXX. This payment included what NAVIENT states in the payment statement ( please see enclosed payment statement ) unpaid fees of {$260.00}. 
On XX/XX/2017 I returned to the NAVIENT website to schedule my next payment and see an amount due of {$260.00} which I just paid ( please see enclosed Account Summary ). I then called NAVIENT to report that the payment was not applied properly because I paid the unpaid fees, as well as the current payment of {$650.00} totaling {$920.00}. The representative told me she saw the problem and asked me to hold. Whomever she spoke with provided this response. " Do n't worry about it will be there until the loan is paid off, just pay the regular scheduled payment. '' My response was NO you all need to apply it properly. The representative then placed me on hold to return to tell me that, " the full payment was applied to all interest and they would be sending me a document which explained how payments are applied. '' I then refused to take this as answer. 
Enclosed is the document found in my NAVIENT student loan documentation ( Loan Term documents enclosed ), it clearly shows that there were {$260.00} in outstanding fees which included in my payment paid on XX/XX/2017 totaling {$920.00}? The Loan Term documents enclosed clearly shows by monthly payment to be {$650.00}. 
I would like my payments applied properly as is stated on my Payment Statement. The unpaid fees and loan payment should be applied as such and my current payment should only reflect the {$650.00} due on XX/XX/2017. Per the new account summary NAVIENT is stating I owe {$920.00} ( please see enclosed account summary 2 dates XX/XX/2017 ) which includes {$260.00} that I have already paid on XX/XX/2017. 
Please do n't allow NAVIENT deceptive payment practices go on any longer. Also please note that I REFUSE to pay the {$260.00} again and I also need it reflected on my statements that I have paid the unpaid fees of {$260.00} to NAVIENT on XX/XX/2017. 
I understand the Consumer Financial Protect Bureau has sued NAVIENT for such practices and I would like my compliant included in the law suit if you find it applicable. 

Sincerely, XXXX Enclosure ( XXXX )
Product: Student loan

My loan defaulted with XXXX XXXX XXXX XXXX XXXX. The company has not made it easy for me to negotiate a repayment schedule and they also will not listen to my life situation. My loan defaulted, and I did not agree with the decision that the loan should go into default. I made a payment within the daily limit. Great Lakes has been sending communications about my student loans and default to an address that I was evicted from in XX/XX/2016 ( XXXX XXXX XXXX XXXX, TX XXXX ) and continues to call the address. My father also took fund from my account without my permission, further complicating my situation. My family lives there and they have no interest in helping me. I have not had a consistent home or phone service since. They had my tax refund " offset '' ( {$2.00} ), which I need to pay my rent NOW because I have been served a notice to vacate. I need my refund immediately so that I do not get evicted again, which will further damage my credit and just make my life even harder. Great Lakes has continued to apply fees ; and now that the loan has been in default I have tried to contact them and they did not give me ANY options until I found out how to write a complaint to the CFPB. When they found out I knew how to do this, they submitted a " hardship packet '' which takes THEIR average family income, which should not apply to me because I am in a " special '' circumstance. Great Lakes also refused to tell me which company I should put into a complaint with the CFPB, and they then refused to clarify who now serviced my loans, delaying me even further and further complicating my financial issues.
Product: Student loan

About a month ago I went onto student aid .gov and applied for a option to consolidate my loans but the servicer denied me
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the 426- character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Name of Alleged Creditor : Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 

INQUIRIES TO BE REMOVED : XXXX XXXX XXXX XXXX - XX/XX/year>2023 - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX XXXX - XX/XX/year>2023 - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX - XX/XX/year>2023 - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/year>2023 - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report?
Product: Credit card

Received a letter of rejection for credit card from Bank of America, XXXX TX, Ref # XXXX. The letter was sent to my home address with my first name but a different middle and last name. This may be an attempted fraud.
Product: Debt collection

I was not aware that a medical collection was on my credit report until I apply for credit. I contacted the collection agency to no avail and learned it was a hospital debt that I paid. I contacted the hospital and they confirm the debt was paid. I again contacted the collection agency to follow up with the hospital and they refuse. I also requested a copy of the debt and the collection agency refused.
Product: Credit reporting or other personal consumer reports

Hi I was looking at my credit report and background checks my information is complete wrong I have been dealing with identity theft/fraud for years but now its really bad! My personal information that was in my home was robbed from me and unfortunately using my personal information against me I have a subscription with XXXX XXXX, Experian, I pulled my information from XXXX and saying my information is wrong by me putting in my date of birth and SSN please please help also my email address is being spamming with a different email address that I did not create. I put my phone number on this application please call to let me know if you can please assist me with fixing my problem
Product: Mortgage

My private financial information was stolen and used to open a Mortgage loan with CALIBER HOME LOANS, INC. As a result of this identity theft, the fraudulent loan opened with CALIBER HOME LOANS, INC. is in default and now CALIBER HOME LOANS, INC. is conducting a fraudulent foreclosure to try and take my home. I have never applied for a loan with CALIBER HOME LOANS, INC. nor have a received any money from CALIBER HOME LOANS , INC .
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday, I received an alert from XXXX showing that Experian Credit reporting had added a collection to my account. It was from a company called XXXX ( XXXX ) XXXX. {$290.00} and it was coming from XXXX @ XXXX XXXX. I do not use XXXX XXXX XXXX   and never had, so I filed a dispute, under unknown debt or not my debt. That was on Monday XX/XX/XXXX, On Tuesday XX/XX/XXXX, I receive an email stating dispute results ... ... .the company that reported the information has certified to Experian that the information is accurate, the item was not changed as a result of us processing your dispute. I saw this, so I called up XXXX myself, I stated my name, and then they asked for my address, Is said well what address do you have, and he stated to me XXXX XXXX XXXX XXXX XXXX WI,, I said that is not my address ... ..I have never had XXXX XXXX XXXX, no one has ever opened an account using my name with XXXX XXXX XXXX , then I asked him what the date was for this non payment and he stated XX/XX/2008. So even if the debt was mine, 2008 is well past any statute of limitations for collecting a consumer debt. The complaint I have is against Experian, for not doing an accurate dispute, and not removing this from my credit report immediately based on, the fact this account did not match me, and second this account can not be collected because time as expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 a XXXX XXXX XXXX XXXX in XXXX ran my credit report without my authorization, I was verbally told that the form I was submitting would not run a hard check on my credit until after I had seen the vehicle and decided to move forward. Looks like they ran it anyway. 

On the credit report it shows : XXXX XXXX XXXX XXXX