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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Student loan

I am the parent and borrowed for my daughter to attend school at XXXX XXXX XXXX College. For two years XXXX and XXXX I borrowed from Parent Plus loans. Navient has been emailing me regarding the paying back of the loan. I had sent them money for both years paying 12 months at a time as I can not afford to have another monthly bill. My daughter returned from school having finished her XXXX XXXX in XXXX. Now Navient is telling her that she borrowed {$12000.00} dollars and that she has to begin paying back. I know that my daughter XXXX XXXX had not borrowed any money from any bank because she received grants for part of her college education. They have not tried to assist us in understanding this problem. We are only being told what my daughter owes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TRANSUNION DISPUTE DEPARTMENT a letter and a FTC Identity Theft Report on XX/XX/22 about a fraudulent XXXX XXXX  account ending in XXXX via certified mail. The account was deleted from my report. On XX/XX/22 I received a letter from TRANSUNION stating they reinserted the fraudulent account. I filed and sent another FTC Identity Theft Report and a letter on XX/XX/22 via certified mail. After I saw that the letter was received I gave TRANSUNION the 4 businesses days they had pursuant to the FCRA (! 5 USC 1681c-2 ) to delete and remove the account from my report again, I tried to check my credit report via XXXX. I was unable to access my report so I called TRANSUNION directly. The employee from TRANSUNION DISPUTE DEPARTMENT confirmed to be the aforementioned XXXX XXXX account is no longer reporting on my file and to wait for the updates. My report never updated. I called back 2ish weeks later to confirm that the account was deleted. The employee from TRANSUNION DISPUTE DEPARTMENT confirmed to be again it was not reporting on my credit file. I requested an updated credit file in the mail because I still could not access my report online. I never received it. I waited another 2ish weeks and called again to see what was going on, as my credit report was STILL not updating with the changes and I was unable to access my report AGAIN. This TRANSUNION DISPUTE DEPARTMENT employee confirmed that the account was not reporting and told me the updates for my credit report are pending. She told me she would have someone call me to expedite the changes and no one ever called. My credit report has NOT been updated in OVER 30 days. Furthermore, my credit score remains in the low XXXX and the delinquent aforementioned XXXX XXXX  account ending in XXXX is still reporting on my credit report. This is ruining my reputation as I have found a home and I'm not able to apply for it because of this fraudulent and delinquent account reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On repeated occasions, it was requested that the debt under U.S. Bankruptcies be verified with the original creditor and not XXXX. I deny the debt and the entries on my credit report. 

XXXX. Fair Debt Collection Practices Act ( FDCPA ) : The FDCPA regulates the practices of third-party debt collectors. Under this law, if you dispute a debt, the debt collector is generally required to provide verification of the debt and cease collection efforts until the verification is provided. 

XXXX. Fair Credit Reporting Act ( FCRA ) : The FCRA governs how consumer credit information is collected, reported, and used. If the entries on your credit report are inaccurate or unverified, you have the right to dispute them with the credit reporting agencies. 

Fraud and Identity Theft Under 15 USC 1681b, consumer reporting agencies are allowed to furnish consumer reports to individuals and entities with a permissible purpose. Permissible purposes include : XXXX. In response to a court order or federal grand jury subpoena. 
XXXX. For legitimate business needs related to a credit transaction. 
XXXX. For employment purposes, such as when an employer wants to conduct a background check on a potential employee. 
XXXX. For insurance underwriting or determining eligibility for insurance coverage. 
XXXX. To assess a consumer 's eligibility for a government license or benefit. 
XXXX. In connection with a legitimate business transaction initiated by the consumer, such as applying for a loan or renting an apartment. 
XXXX. To review a consumer 's account for account monitoring or account review purposes. 

I have requested documentation from XXXX on what is reported on their report under my name and for removal of a third party report for bankruptcy. I have never received the information. I was told through Experian that they are the entity reporting the bankruptcies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a loyal customer of chase for 2 years with no late payments since the purchase of my XXXX XXXX XXXX. My car was involved in a wreck on XXXX XXXX 2017 and was deemed a total loss by the insurance company at fault ( XXXX XXXX ). I reached out to Chase numerous times to provide the proper documentation to XXXX XXXX so that the car could be paid. There are records that show that I called Chase over 10 times asking to submit documentation that was required by XXXX XXXX and XXXX XXXX to pay the remaining balance of my car. Every time they stated they would handle it and I would reach out to XXXX XXXX or XXXX and nothing had been sent. This resulting in a showing of 2 late payments due to their lack of diligence in the matter. They understood it was a total loss and never did they inform me ( through numerous calls ) that I had to continue paying my loan because they would send me to the total loss department each time. This was a lack of communication on their part and I recently sent a GoodWill letter asking Chase to remove the late payments and they have refused. I should not be deemed responsible or liable for late payments that were not properly explained to me nor the lack of urgency for the Chase personnel ( s ) that did not complete paperwork that I asked to be completed several times. This has negatively impacted my credit report and I am in the process of repairing. Those late payments should be removed.
Product: Vehicle loan or lease

My car payment was set up to automatically deduct from my bank account. It did this for 59 months. For the last month, it did not deduct the payment. They did not notify me of this, and if they sent me a statement, I must have tossed it as junk mail. 
Today I got a certified letter that the account was overdue and they were repossessing my car. 
I had to pay late fees & a payment by phone fee to pay the last payment that Nissan Motor Acceptance Corporation was supposed to have deducted from my checking account. And my otherwise perfect credit score now has a late payment thanks to Nissan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regard to the incorrect items reported on my credit report, it has been well over 30 days, and I have not received any investigation results/updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ha ve   XXXX    account s   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX    American Express    XXXX   XXXX    But on my report they show only  XXXX  accounts and that 's the r eason my score went low
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I was alerted to a change in my credit score. I saw Santander Consumer USA, via XXXX, checked my credit report, without me contacting them prior. On XX/XX/2020, I called the company 's ' support line ; however, the company would not accept my calls, since I wasn't a customer. Basically, all options from the robotic call center were for customers, and I could not get in contact with anyone.
Product: Credit card

Applied for Wayfair card with a credit score of XXXX of XXXX. Made a purchase that could have gotten {$40.00} by using a new card. Waited for the response for approval and it never came. After multiples attempts to find out if the card has been approved, found out on my own that they did not. Gave me some general excuse about " income '' that did not make sense. Wrote them back by email, and was ignored, sent a letter and was again ignored. In the letter I document, other three instances o card being denied and with a checking account in Citi Bank with balances over XXXX at times, XXXX when less to avoid paying bank fees. This when they paid .01 % interest. Citi Bank at the same time denies credit card when I apply for them, offers me a {$30000.00} loan. If I am not a good candidate for a " credit card '' how am I a " good candidate for a XXXX loan? Something is happening and they keep denying credit to me when is a credit card involve even when the card carries a fee. Letter explaining in detail all these attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters since XX/XX/2021, and I have not received a response concerning this account ( XXXX ) listed on my credit report. It has been over 120 days and nothing.
Product: Checking or savings account

US Bank closed my account unfairly over a year ago. There were unauthorized charges which they didn't allow me to dispute when I called over the phone. They said I need to verify my identity at a branch and I did, on multiple occasions. They still wouldn't let me dispute those charges even though I faxed my identity documents for verification. They closed the account with approximately $ XXXX negative balance. It's unfair and I demand immediate access to my account and the ability to dispute charges or I'll seek Justice via trial by jury as granted by the 7th amendment. It's unfair and frustrating and has caused me financial hardships and ruined my financial reputation as I'm unable to open checking accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : it states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Product: Credit card or prepaid card

Discover Card repre sentative called me today about an outstanding balance on  XXXX  credit cards that were opened with them on  XXXX / XXXX / 2016 . I informed him that I have no credit cards with  Discover and  have never applied for credit with them.. I did report as fraudulently  XXXX  credit card that was opened with  Discover  back in  XXXX . I informed them that I have a 7 year fraud alert on my credit so no accounts should have been opened without my authorization. They informed me that the card would be closed out immediately. However, after th e phone3 ca ll today I 've learned that they did n't close out the card and that there are  XXXX  additional cards opened fraudulently with Discover. Their investigations dept. refused to help me or give me any information as to how these accounts were opened and then kept open even after I informed them back in  XXXX  that they were fraudulent. In  XXXX  I was advised by   XXXX   to get a credit freeze since the lady whose stolen my identity has still been able to open up accounts despite my 7 year fraud alert. I assumed that this issue was over, but as of today I see that it is not. I need these  XXXX  accounts closed as fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX would not close account and charged for services unable to use for a month after closure request, in amount of {$200.00}. XXXX XXXX started reporting on this debt XX/XX/2022. XXXX has merged with my current carrier XXXX Unsure how to handle debt collections when original debt company no longer exists.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, submitting this complaint independently without any third-party involvement. Attached are letters detailing the discrepancies in my credit report. The XXXX bureaus, TransUnion, XXXX, and XXXX, have reported inconsistent and untimely information.
Product: Debt collection

I XXXX XXXX never enter any consumer credit transaction with ERC for them to have my personal information. According to 15 usc 1692 this is infringement upon my consumer 's right to privacy. By them obtain my personal information with out my consent ERC have committed fraud and identity thief.
Product: Credit reporting, credit repair services, or other personal consumer reports

Happy Saturday everyone ; Hi and how are you doing? This is taking over 90 days and i still haven't received any correspondences about this dispute from XXXX XXXX. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Checking or savings account

Wells Fargo has denied my claim after proving evidence of fraud from services that I no longer have access to, and I strongly disagree with the discussion. I purchased services from merchant 'XXXX XXXX XXXX ' and the service I paid for is no longer available to me. 'XXXX XXXX XXXX ' intentionally sabotaged customers by putting software on the services to intentionally fail customers so that they can keep paying for evaluations when in reality they were soliciting customers. The company has a lawsuit filed against them for fraud. I was paying for evaluations that have history and data on the dashboard on the website that I no longer have access to. I have submitted court documents to Wells Fargo proving that I did not receive the services that was paid for and that the services are no longer available. I purchased services from the merchant on XXXX XXXX  for {$470.00}, XX/XX/XXXX for {$470.00}, XX/XX/XXXX for {$470.00}, XX/XX/XXXX for {$470.00}, and XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) More than 180 languages available. 

I previously filed a claim with the customer protection bureau and was told to file another because they kept having to extend the case multiple times because Wells Fargo claim assistance center did not get back to them in time.
Product: Credit reporting or other personal consumer reports

Several accounts continue to be made due to incorrect information that is in my report due to compromised information in breached accounts records of more than 24 different companies that should have at least deleted all my information across the board. 
Due to no fault of my own my identity had been stolen as it continues as Im typing at this moment. Phone shut down accounts opened, accounts paid, existing accounts charged by lady saying she worked for Social Security administration with all my information in hand. Changes passwords, locks me out my accounts orders from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I got a XXXX XXXX credit card XXXX credit limit XXXX. ) In XXXX I became ill and my daughter moved me from XXXX, Oh to XXXX, Oh at which time the hardship kept me from paying my debt. XXXX XXXX sent it to collection ( I am XXXX and on social security ) They say I owe {$2900.00} and I get late payment reports to the credit bureaus. I called the collection agency and they said they would close the account due to hardship. But it still goes on and on reporting me late to the credit bureaus.
Product: Debt collection

Received a debt collection for a medical bill that was sent to XXXX XXXX. They then got a Law firm to sue us and a jugement was granted. With attorney fees and all it totalled {$6500.00}, they have garnished a pay and have taken over {$7200.00}, claiming its for more fees but will not give us a breakdown of these new fees and it is way beyond the judgement amount.
Product: Credit card or prepaid card

Hey KOHLS/CAPONE ; XXXX XXXX XXXX! 

I was shocked when I reviewed my credit report today and found late payment on XX/XX/2021 for 30 days. I'm confused! 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit card or prepaid card

I checked at the XXXX website to see if my stimulus payment had been deposited into my account on XX/XX/2020 the IRS deposited my money into my American Express Serve account on XX/XX/2020 the money is not showing on my bank balance an American Express is saying they don't have any idea because they never received the deposit I was told to contact the IRS so I called back to the IRS and was told that the deposit was made on XX/XX/XXXX into the account with the account number that I provided and they don't know anything more or can't do anything more about it I double-checked the numbers to make sure that they matched and that they were correct and that it was my account that the money was deposited into and they matched so I call American Express back and relay this information and they told me that they never got to deposit they couldn't do anything about it and that I have to call the IRS I'm very frustrated because it seems like this is happening before cuz they already had a response right away it sounded like it was a script so I go online and I start looking and there's hundreds of people that are having problems with their direct deposits with the same company in the same way that I'm having the problems and American Express is just not doing anything
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX  : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXXXXXX XXXX XXXXXXXX : Account number : XXXXXXXX XXXX XXXX XXXXXXXX : Account number : XXXXXXXX XXXX : Account number : XXXX, XXXX  : Account number : XXXXXXXX XXXX : Account number : XXXX, XXXX  : Account number : XXXX, XXXX  XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Student loan

There are so many student loans on my credit report and they need to be deleted, they are 20+ years old, please delete them. 

There are a few that say they were late, they were never late. I applied for forbearance and was granted it every time. I need all those consolidated and I keep getting harassed about them and my parents do as well. I need them all of the deleted and the 3 left combined. I need help, I cant get a home loan with these on here.