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

Basically Im try fix my credit and Im seeing there accounts and things in my name that I know Ive never had myself!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with all three credit reporting entities. They have refused to correct misinformation given to them, despite multiple attempts on my part.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see inaccurate accounts on my credit report, and I cant figure out why theyre there. I always check my credit report regularly, but this time, there were strange discrepancies that Ive never seen before. I thought it might be a glitch, so I refreshed my browser, but nothing changed. The inaccurate accounts were still there. Im begging for the documents Ive sent to be carefully reviewed so I can finally stop worrying about this nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

i summited an issue where an account was reporting more than once and i have a look into the matter and it was not fix.
Product: Mortgage

I filed for Bankruptcy Protection and the bank still foreclosed on my home!
Product: Credit reporting or other personal consumer reports

- I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Product: Debt collection

My husband ( XXXX XXXX XXXX and I have been trying to dispute this charge for carpet replacement for over a year ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ). We have called and emailed XXXX multiple times regarding this dispute and we have not received any response back. I have attached proof of our correspondence regarding the dispute, pictures on the move-in day ( XX/XX/XXXX ) of the carpet already being stained and had holes in it, and flooring had chips in it ( we noted on the move-in checklist ) so the carpet and flooring was clearly old when we moved in. There was also a leak/flood that happened in XX/XX/XXXX. The flood that went on for weeks ( XXXX XXXX XXXX  ) brown water seeping through the walls and on to furniture and carpet, ruining our furniture. My wife spoke with XXXX XXXX on several occasions during these weeks begging them to cover the exterior wall with a tarp, but they informed us there was nothing they could do until the rain would stop. Because of the flood that damaged our furniture and flooded the carpet, so the carpet needed to be replaced regardless, therefore we are not liable to pay for carpet replacement. 

Despite our efforts, we have not received the necessary paperwork to formally initiate the dispute process. Subsequently, our case was forwarded to Columbia/Genesis . We promptly submitted all required documentation to Genesis to contest the charges. However, it appears that our dispute has not been duly considered, and we are now facing threats of damage to our credit score. 

I have included the emails of our correspondence to XXXX and Columbia/Genesis about disputing the charge, with no response. I have videos as well. However, it is more that 10 MB. Please let me know how I would go about uploading them. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I submitted complaint XXXX through the CFPB XXXX about EXPERIAN showing SEVERAL inaccurate addresses and phone numbers, personal info on my report. It was my 2nd complaint through CFPB with the company NOT removing the inaccuracies and violating my rights. The 1st round attempt was case # XXXX on XX/XX/23. 

EXPERIAN does not seem to understand the severity of their violations. They just seem to do nothing or partial work on my complaints either directly working with them or with the support of the CFPB. And EVEN after showing proof these are NOT my addresses and are not on with of my XXXX OR my XXXX Credit reports. 

In my last attempt I stated that the fair resolution to get them to actually respond and STOP violating my rights was to REMOVE all the inaccurate info or pay {$1000.00} for each piece not removed. 

The completely ignored and did NOT remove address XXXX XXXX  and # XXXX given in a list of XXXX inaccurate personal info being reported in complaint XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had multiple soft inquiries and a hard inquiry on my credit port that were not authorized by me. The inquiries are affecting my credit score and making buying a home more difficult.
Product: Payday loan, title loan, or personal loan

My payment was due on my paydates which are the XXXX and last day of the month. However today XXXX overdrew my account by attempting to withdraw the payment before the banks were even open for the day and my direct deposit was yet input into my checking. The account was overdrawn at XXXX XXXX  when I checked my direct deposit uploaded at XXXX via XXXX XXXX XXXX Empower app tracks balances and deposits so its frustrating that they attempted to withdraw my payment resulting in a {$28.00} NSF fee before the bank opened on my due date their algorithms should be aware of such. I attempted to call the institution to come to a resolution but the phone number they have listed via XXXX does not route you any where when you press a prompt and the only other option is the online virtual assistant who doesn't understand. Thanks!
Product: Debt collection

Below is my validation request for Synchrony Bank. 

To Whom It May Concern : In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of both debts listed by your company. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt. 
The agreement bearing my signature stating that I have agreed to assume the debt. 
A complete and correct social security number that may help identify me as the party you are collecting from. 
A copy of the government issued Identification presented to incur this debt. 
Valid copies of the debt agreement stating the amount of the debt and interest charges. 
Proof that the Statute of Limitations has not expired. 
Complete payment history on this account along with an accounting of all additional charges being assessed. 
Show me that you are licensed to collect in my state ; and Your license numbers and XXXX XXXX. 
A purchase agreement or assignment from the original creditor to your company. 
Proof that this debt has not been written off as a tax liability and no 1099-C form received by the original creditor. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that I believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question : XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Account number : XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX CXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) -XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit card

On or around XX/XX/year> I used a service XXXX XXXX to have some car repairs done. XXXX uses Koalafi lease/loan company. Upon completion of services I receive loan and protection plan documents. I sign and make the first payments of XXXX and XXXX for the document processing and protection plan. Fast forward to XX/XX/year> my car was in an auto accident and deemed a total loss. I reach out to Koalafi to verify the protection plan and the representative tells me I am not eligible for the protection plan. I tell the representative that I know I signed up, but she continues to disagree we end the call. I then sit down and go through my emails to to look for confirmation of enrollment of the protection plan. I find the email and I speak with a representative via chat. I tell the representative that I found the email that I am enrolled in the protection plan the representative tell me to send a screenshot shot and proof of loss of my vehicle I send these documents and the representative forwards me the protection plan member services number and ends the chat. I speak to the member server and he tell me that I was enrolled on XX/XX/year> and it was canceled XX/XX/year>. I then ask the guy who canceled the enrollment because the email said I had XXXX day to cancel and XX/XX/XXXX was well beyond the XXXX day period. He then proceeds to tell me this is a problem they have within company that people are enrolled in the plan and then apparently canceled unknowingly because the payment is handled by a third party. He apologizes and we end the call. On XX/XX/year> I call Koalafi to ask what is the status of the documents sent in reference to my vehicle total loss and this loan with the protection plan and the representative tells me I am not enrolled in the protection plan and there is no documents of proof of loss. I asked him how are we gon na resolve this and if we can't I will file a complaint with the Consumer Protection Bureau. I got no response from the representative, and he said have a good day and ended the call.
Product: Student loan

Every month I pay about {$700.00} more than my minimum due on my student loans. In an effort to pay off the loans as fast as possible, the extra money goes into the loan with the highest interest rate until it is paid in full. Minimums are paid on all of the other loans. Thus, I was paying minimum dues on my Navient loans, only to realize that the monthly due is constantly being adjusted. From one month to the next, my total balance due had actually INCREASED. Also, when making a payment online, there is no option for dictating how over-payement should be processed. Navient 's website provides no formal / downloadable statements and no easy way to really track the status of the loan. This seemed deceitful.
Product: Debt collection

The Original creditor was XXXXXXXX XXXX  this account was paid but did not credit the account, many attempts with the original creditor to resolve were ignored. This debt has been sold more than once. This account has been paid.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized credit inquiries that have appeared on my credit report. Upon reviewing my recent credit report, I noticed multiple inquiries from the following companies, which I do not recognize and have not authorized : XXXX XXXX Inquiry Dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX, XXXX ; XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX Inquiry XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Dates : XX/XX/XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX, XXXX I am requesting an immediate investigation into these inquiries. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or unauthorized information on my credit report, and I ask that these inquiries be verified. If they can not be verified or proven to be authorized, I request that they be removed from my credit report. 

Please investigate and provide me with written results of your findings. I would appreciate your prompt attention to this matter and expect a response within the 30-day period allowed under the FCRA.
Product: Debt collection

XXXX illegally took funds ignoring an automatic stay placed on my account due to filing a XXXX XXXXXXXX bankruptcy payment plan. They used banking information that was taken off my account as a payment source for payments that were made to XXXX  XXXX hired Simm associates whom emailed me today a form that is back dated saying I incurred debt by non payment to XXXX on XX/XX/XXXX23. This is incorrect and false. All payments made to XXXX were in good standing through XX/XX/XXXX2023. Also I informed XXXX  that they were included in my XXXX XXXXXXXX bankruptcy with a payment plan on XX/XX/XXXX23 which protected me by automatic stay not allowing any creditors to withdrawal funds for any payments from my checking account. XXXX ignored this automatic stay and continued to take money from my account until XX/XX/XXXX23. XXXX then harassed me by email and regular mail demanding payment for an order from XXXX. XXXX then through a third party collection agency Simm associates contacted me by a phone call today and an email, which as i stated earlier was back dated to XX/XX/XXXX when my account was in good standing with XXXX. This was illegally done using my banking information and without obtaining my permission to withdrawal any funds. XXXX took {$450.00} from me during an automatic stay which started on XX/XX/XXXX23 and they are included in my XXXX XXXX bankruptcy planned payment. What XXXX did to me was very low and sneaky.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th 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 Balance : {$670.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit card or prepaid card

I receive my social security XXXX on my Direct Express card. There was an unauthorized backcharge made by XXXX in the amount of {$620.00}. I did not purchase anything or order anything from XXXX. It over XXXX my account in the amount of {$620.00}. I tried several times to contact XXXX and they had no idea what i was talking about. I filed a dispute with direct express over the phone on XX/XX/2020. It took me 1hour and 50 minutes to get a live person on the phone to take my complaint. They did not send me the dispute forms until XXXX XXXX. I immediately filled them out and sent them back certified mail. I then tried to call direct express to check on a status and was on hold for 2 hours and 35 minutes before I got a human on the phone. I am XXXX and it is extremely difficult to hold a phone. And I had to wait all of that time. After I got someone on the phone I explained that I needed to make sure they actually investigated my dispute because XXXX has a habit of unauthorized charges and then I had to go through XXXX to get credited or they would charge for items that I cancelled or they cancelled because they were out of stock or I never received. So, it's important that direct express actually investigate instead of just taking their word. They fraudulently backcharge my card for {$620.00} dollars. That was my rent money. Well the customer service rep tried to argue that they hadn't gotten my dispute form in time so I would receive the provisional credit. I told him I sent it certified mail so I knew they did get it. Then his story changed and he said he found it and I would get my provisional credit on XX/XX/XXXX. Well I never got it. I called direct express again and after a long wait once again I was upset and told the woman they lied about the credit and the woman told me to go XXXX myself and hung up on me. I've had it. I want my money back. I have a right to be protected from fraud that XXXX constantly has a problem with. I should not have to wait hours on the phone to speak to a human. Covid or no covid they should have customer service agents helping their customers. I have spoken to, other XXXX people who get their benefits the same way in direct express and they have the same problem. Direct express never truly investigates fraud and never refunds money. I feel like they purposefully make it impossible to readily get a customer service agent on the phone so XXXX people give up and end up victims if fraud with no help from direct express.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2022, XXXX XXXX XXXX reported acquiring a debt from XXXX XXXX XXXX. On or about XX/XX/XXXX, XXXX XXXX XXXX reported a tradeline XXXX and Experian without allowing me the opportunity to Dispute the debt. XXXX XXXX XXXX ' actions violate the Fair Credit Reporting Act in that 1. I had no knowledge of the account on or about XX/XX/2022. I do not have any contract with XXXX XXXX XXXX wherein I promised or owe XXXX XXXX for services Provided. They did not provide me with the original contract as requested.

2. They did not give me time to at least make payment.

3. They did not notify me or give me time to dispute the account.

4. I have not knowingly opened an account with XXXX XXXX XXXX, therefore tradeline reported by XXXX XXXX is Fraudulent. 
Per the Fair Credit Reporting Act, a person 's consumer report should contain ONLY, Accurate, Complete, and up-to-date information. The information reported by XXXX is INACCURATE and a continuous inclusion on my consumer report is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment within 30 days, and XXXX reported to credit report agencies negatively that I did not make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of inquiry XX/XX/, Company who processed fraudulent inquirie XXXX XXXX XXXXXXXX, Address XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, IN XXXX Request Originator is fraudulent I have already contacted all 3 credit bureaus and reported this fraudulent activity that was not authorized by me or attached to any open account. 

I am contacting you guys to have this fraudulent inquiry removed.
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. 

has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XX/XX/2023 XXXX phone call message from The General Revenue Corporation from XXXX. Recorded call from XXXX who claims to be collecting a debt. My credit score is XXXX and I do not owe anyone a debt. This is the 5th or 6th spam/scam call Ive received and I am tired of being harassed. They call my home phone at XXXX all hours and I want this stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, The Credit Reporting Agencies refuse to Really investigate my case, I do see Fraudulent Bankruptcy and one XXXX Account on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA, unverified accounts must be removed. I have never been contacted by this people in the past to discuss the alleged debt. Transunion did not provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX
Product: Student loan

Since XXXX of 2018, my PSLF payments have not been updated as eligible although my annual certification was faxed to them by my employer. This year, due to a staffing change, I had to upload my own paperwork. While logged in, I noted that 46 payments had been missed/ not marked as eligible although they were. I have not changed employers or positions in that time. I have attempted to contact FedLoan Servicing via their listed email and multiple phone calls. Several times I have waited, stuck in their hold que, for hours. Today was for over XXXX hours. Following the prompt to " press 1 to be called back later '' only redirects you back to the holding que. 

This is incredibly frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and noticed some things that I believe to be wrong.

I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.