23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I do not qualify for the two repayment programs that Sallie Mae offers. These programs are the Graduated Repayment Period and the In-School Payment Assistance. I've tried chatting with them, this just gets me a bunch of pre-filled answers that I don't qualify for the programs but I can speak to someone during regular hours, in which I am attempting to speak to them during. My two loan payments are in the amount of {$150.00} and {$120.00}. I can not get help from my co-signer ( this is my spouse ). We make less than XXXX a year. However because I do not qualify for either of the two options I am XXXX. The school that I received the loans for is under investigation for defrauding ( XXXX rebranded themselves as XXXX ) and they pushed me to get this loan while I was waiting for my Pell grants and FFSA to go through. If I did not get the loan, I would not start in time, nor would my Pell Grants and FFSA cover the cost of attending. I have these under investigation with the Department of Education. However, because these two loans were private I can do nothing but just stop paying and hope they are willing to do an agreement at a later date. We do not have the credit to get refinanced. Because we are XXXX, there is nothing we can do, but hope that if we stop paying that they will be nice. I have capitalized interest applied in the amount of XXXX applied in XXXX of 2022 on both individual loans, during the Covid loan deferment period. As well as accrued interest starting from the original date of the loan until today ( will be additional days as well ), there was no pause on this either.
Product: Credit card

I received a virtual credit card from Goodyear tires on XX/XX/2023 for {$100.00} Exp XX/XX/2023, the term to spend the money was too short and when I asked to extend the Exp date they refused. I followed all the terms to meet the requirement but didn't have enough time to use the credit.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX 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: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report 2 collection accounts that they claim to have verified but provided no evidence to support their claims. Under Fair Credit Reporting Act the credit bureaus are required to provide this information to me to verify myself. Who exactly validated this information? Who did they speak with I would like this information to follow up myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX account shows closed, XXXX  its still listed as open. see attached documents.
Product: Debt collection

In the summer of XXXX, I started receiving payment overdue notices from Synchrony Bank concerning a Credit Card account ( XXXX ). I immediately contacted the bank and told them although my personal information was correct, I did not have a credit card from them. On XXXX XX/XX/XXXX, the informed me it was an unauthorized account and that All charges have been removed and you wont be held responsible for the debt. All well and good for XXXX XXXX years and then received a From XXXX to file with my taxes. I was told by different customer service personnel to forget about it, erroneously sent to you and dont worry about it. So I filed my tax forms without including the XXXX because I dont actually owe that amount of money. On XXXX XXXX I sent a letter to Synchrony Bank requesting they issue me a CORRECTED XXXX showing my personal information but does not belong to me as previously ascertained. The original XXXX should have been sent to the person who stole my identity and used my personal information to open and utilize the credit card. Today Im sending them another letter to request the CORRECTED XXXX before the XXXX comes knocking on my door looking for their money. Just a guess but appears Synchrony Bank decided XX/XX/XXXX ( Date of identifiable event ) to attempt to clear the {$12000.00} the debtor was personally liable for repayment of the debt box checked. and when they keyed in the account number it spit out a XXXX with my personal information ( just like the original credit card bills I received ) I.e. mailed to me ( but not the owner of that account ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 Ay 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.
Product: Credit card or prepaid card

All three of my credit reports show a Fifth Third Credit Card from 2006. This keeps reappearing. Sometimes it shows up twice on my credit reports. Ive called them and written them. They tell me they cant find my information. It should be deleted because they can not verify it, it is incorrect and is over seven years old.
Product: Prepaid card

I tried to use my amex gift card I received for a holiday present from my company which has {$500.00} dollars on the balance. I tried several different websites to verify it wasn't a single website that had an issue. The website I was purchasing from was XXXX The last time I had this issue, amex sent me a physical check because the gift cards in past were not able to be used online despite it being a " use anywhere '' card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  on numerous occasions regarding this bankruptcy on my report. I called again today and was told the only way to have it removed is to have a letter from the bankruptcy court. I told the rep papers were sent in XX/XX/2021. He claims he didn't see the letter Which I know is completely false because it was delivered by certified mail. I was told to upload the document via www.transunion.com, however when I tried I received a message saying my identity couldn't be verified. At this point as a consumer my rights have been severely infringed on.According to the FCRA I can sue them for {$1000.00} per occurrence which I plan to do because they are purposely refusing to investigate this bankruptcy along with 7 other erroneous items. I am uploading the document to CFPB.
Product: Mortgage

I pulled my credit report and identified a hard inquiry from New American Funding. I called the number, XXXX, and spoke with a XXXX XXXX XXXX. XXXX XXXX alleges that I provided verbal authorization to a XXXX XXXX XXXX to run my credit on XXXX XXXX, 2016. When disputing the inquiry, XXXX XXXX informed me that they have my personal information and that I spoke with XXXX XXXX at approximately XXXX. I am concerned that I have not authorized any lender, outside of XXXX XXXX XXXX and XXXX XXXX, to run my credit. I am in the process of attempting to purchase a home, but again, I have yet to authorize anyone to run my credit. I would like XXXX XXXX to be investigated for running an unauthorized credit inquiry and for New American Funding to remove the hard inquiry. If they refuse, I would like instructions on how to retrieve a copy of said phone call in which XXXX XXXX alleges that I provided authorization.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it explicitly mandates that consumer reporting agencies, such as Experian, XXXX and XXXX must conduct their responsibilities with fairness, impartiality, and respect for the consumers privacy rights. As the consumer, I assert my right, supported by 15 USC 6801, which emphasizes Congress 's policy that financial institutions must continuously respect the privacy of their customers and safeguard their nonpublic personal information. The entity supplying information to credit agencies, classified as a financial institution, is bound by these obligations. According to 15 USC 1681 section 604a ( 2 ), any consumer reporting agency can furnish a consumer report only in line with the written instructions of the concerned consumer. Both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, Experian, XXXX and XXXX lack my consent and, more crucially, my written consent to furnish this information. Any form of consent, be it verbal, non-verbal, written, implied, or otherwise, is now revoked by me. Contrary to the provisions of XXXX5 USC 6802 ( b ) ( c ), the financial institution failed to inform me of my right to exercise nondisclosure options. Moreover, as per 15 USC 1681C ( a ) ( 5 ), Experian, XXXX and XXXX are unlawfully reporting adverse items without my permission, a violation of the law. Section 1681s2 ( A ) ( 1 ) A of the U.S. Code clearly stipulates that a person must not furnish inaccurate information to a consumer reporting agency. XXXX and Experian are thus in breach of this requirement. Additionally, 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations of section 1681c and to limit the furnishing of consumer reports to the purposes outlined in section 1681b. Experian, XXXX and XXXX are failing to uphold these reasonable procedures. Lastly, according to 12 CFR 1016.7, I retain the right to opt out of your reporting services at any time, and I am hereby exercising that right. I expect these concerns to be promptly addressed to avoid legal repercussions.
Product: Debt collection

I have no knowledge of this debt. I never received paperwork. Please provide proof of a contract between your company and myself.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023 & XXXX XXXX  XXXX Date of Inquiry XXXX/XXXX/202
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over XXXX days and I haven't received any investigation results.
Product: Debt collection

This debt collector keep calling my home phone. When my dad or my mom picking up the phone they hung up. They were bothering my parent resting. Also, they keep calling my cellphone in the morning, afternoon, and in the evening past XXXX XXXX. I spoke with them before on the phone, they 're aggressive and had an attitude at me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to re-investigate inaccurate information. A certain creditor added negative information on XX/XX/2018 to my file. This place information is in accurate and other CRA have correct it. I have supplied Experian with proof that shows the creditor is reporting false information but they refuse to correct
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$470.00}, {$0.00}, {$450.00}, {$470.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 

4. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account.
Product: Payday loan, title loan, or personal loan

I have had a personal line of credit with Arvest for almost 3 years with no late payments. I recently advanced to just under my credit limit. Although I make my payments on time and I have never exceeded my credit limit, Arvest Bank is negatively reporting that I am over my credit limit although I am not. This is negatively impacting my credit, and it could have large negative impacts on a mortgage loan I am in the process of getting for a newly constructed home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, have 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 an account without my written instructions.
Product: Debt collection

We have been receiving daily robocalls, for at least two weeks ( as of XX/XX/2019 ), usually between XXXX and XXXX in the afternoon, from Pioneer Credit Recovery, claiming that they are calling about debt collection. There are a number of things about the call that scream 'scam ' to me - too many to list here. 

The call is always the same recording, whether I answer or if I let it go to voicemail. There are no specifics, but always a statement that I need to call them back at an 800-number.  There is no ability to connect to a real person when I answer the call We have no unpaid debts, and our credit is golden. This is definitely a scam, and has risen to the level of harassment. 

The call is always from the phone number XXXX. The call-back number is always XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my Transunion credit report and am disputing some inquiries that need to be deleted. I have listed the account, the opening date, and account number in the attached document.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous and on XXXX2023 my credit was reported as XXXX. NONE of my actual FICO or XXXX scores are XXXX. I have attached all Bank and Credit scores as reported on Experian, XXXX and XXXX. I contacted them multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

ComenityBank/XXXX - XXXX is reporting an erroneous late on my credit file. I recently checked my credit file and noticed this late notation. When this late happened i was unaware that my payment was late so i called in and spoke with a representative from Comenity Bank. I paid it off in full and the rep said my account WOULD NOT have a late on there. I have been a customer for a long time and i have NEVER been late. I need Comentiy Bank to follow their word and remove the late that shouldn't be there to being with.
Product: Consumer Loan

Twice they have reported missed payments to my credit bureaus, I still have n't gotten the first inaccurate info removed and now they have done it again. I have proof that this loan has been paid monthly with no missed payments. I have also been unable to get them to give me a written statement showing what I have paid and what is still owed on the loan.
Product: Debt collection

CONVERGENT OUTSOURCING, INC. continues to try to collect on two accounts that were discharged under my Chapter XXXX bankruptcy. The credit bureaus continue to remove these debts and somehow CONVERGENT OUTSOURCING, INC. is able to report them again. I have had to contact the credit bureaus on 4 separate occasions to remove these debts. Further, CONVERGENT OUTSOURCING, INC. continues to attempt to call me, including calling my place of business, as well as sending weekly letters to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX I was going over my credit report and I noticed this account opened and reported negatively on my report. This is a surprise because I do not own this account nor have I ever owned a XXXXXXXX XXXX XXXX. I am requesting that this account be removed from my report immediately as it violates my rights as a consumer. This negative reporting is hindering my abilities to qualify for loans. 

As reported to XXXX : there is only history for 3 months in XXXX ; XXXX  60 days past due, XXXX  90 days past due and XXXX  120 days past due. There is no other data provided for this account in XXXX. There is also no close date on this file, nor is there an amount past due or actual payment amount recorded. There is no close date for this file. This account is obviously fabricated. Please remove this from my XXXX XXXX. 

As reported to XXXX : there is much more lengthy history, however the start of the delinquency is called into question because the start of the delinquency does not correspond to the start of the delinquency in the aforementioned report. XXXX shows 30 days past due starting in XXXX, 60 days past due in XXXX, 90 days past due in XXXX, 120 days past due in XXXX, 150 days past due in XXXX, and charged off in XXXX, XXXX, XXXX and XXXX. 

The question herein is, how can i be both 30 and 90 days past due in XXXX of XXXX? This account is obviously fabricated. Please remove this from my XXXX XXXX. 

As reported to TRANSUNION : The last date updated on this account was XX/XX/XXXX. But the other two accounts were last updated in XX/XX/XXXX. 
Transunion shows the date the account will fall off is XXXX of XXXX, but XXXX shows XXXX of XXXX. Transunion shows that this account was 120 days past due both in XXXX and XXXX of XXXX. How can it be 120 past due for two months? This account is obviously fabricated. Please remove this from my Transunion File.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XX/XX/XXXX
Product: Credit card or prepaid card

The Following is my Fraud claim directly to XXXX XXXXXXXX XXXX card, I am also mailing a certified letter with all the following information : Attached are : My claim of fraud, Affidavit of Fraud and certified letter to be mailed on XX/XX/XXXX RE : XXXX XXXX Card acct. # XXXX XXXX, REQUESTING EXPIDITED HANDLING I am formally claiming fraud on the above mentioned XXXX credit card. The balance and status XXXX is reporting to the following Credit Bureaus ; XXXX, XXXX and XXXX is grossly inaccurate and as a result, I am in immediate danger of harm and serious financial damages. 

ISSUES : I have been pre-approved for a large mortgage around {$600000.00}, the closing is Monday XX/XX/XXXX. Therefore I am requesting XXXX to either remove the entire tradeline reported in XX/XX/XXXX or update it. Specifically the entire balance and status of this account at least until a proper investigation is completed. 
I am disputing the balance ( should be XXXX balance ) and the status ( closed by credit grantor ) I am confident the investigation will confirm my claim. 
To help speed up the process and avoid any delays, I have attached an affidavit of fraud that is specific and contains all I know concerning the above mentioned account. 
I have also filed similar disputes with XXXX, XXXX and XXXX to preserve my right to file a civil complaint for damages against XXXX in the event a reasonable response is not obtained and I suffer damages as a result. 
**Additionally, in the event XXXX attempts to conclude any charge or transaction belongs to me I am requesting all unredacted documents considered and/or used to conclude XXXX investigation. I am also requesting the following information. 
A list of how each charge was transacted. In other words, by phone, online or in person The Last time ( date ) a card for the above mentioned account was mailed and to what address. 
If a card was mailed to me in XXXX, when was it mailed? 
If a card was mailed to me in XXXX, a. ) did it need to be activated and if so, how was it activated b. ) If the card was activated online, what was the IP address used? 
c. ) If the card was activated by phone, what was the phone number used? 
5. What specific information was used to activate the card? 
I am hoping XXXX will take this seriously as it is a serious matter. I am further requesting all correspondence be done in writing to assure all sides have the same factual history and information. This will also provide fair and equal access to facts. 
*NOTE : i will accept communications via email, USPS , XXXX, XXXX or through any secure platform XXXX would like. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi. XXXX
Product: Credit reporting or other personal consumer reports

Despite my repeated attempts to rectify this situation, these fraudulent accounts persist, and it has become abundantly clear that your organization is failing in its duty to protect consumers from identity theft. 
Account Information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I can not emphasize enough the urgency of this matter. The presence of these accounts has hindered my ability to secure loans, obtain credit, and achieve my financial goals, all through no fault of my own. 
Despite all my efforts, I continue to receive no resolution, and these fraudulent accounts remain on my credit report. This situation is unacceptable, and it is clear that your organization is not taking the necessary steps to investigate and address this issue promptly.