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

I got an email from XXXX  saying that my credit score decreased. I judt have a feeling that someone is trying to apply with my social security number to get credit cards. I want to desput recent inquiries since I didnt apply for those
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC 1681section 602 states I have the right to privacy.

15 USC 1681 section 604 ( a ) states a consumer reporting agency can not furnish a account with out my written instruction.

Under 15 USC 1666 ( b ) a creditor may not treat a credit card payment open and consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I want reported accounts removed :

 XXXX XXXX  , balance XXXX  Date opened XXXX XXXX XXXX XXXX XXXX, balance XXXX, date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX, balance XXXX, date opened XXXX XXXX XXXX
Product: Debt collection

The company started calling me in XXXX stating they received the account from another collection company. I stated to them I do not have an account with anyone because all my accounts were either paid off by myself, the employer or disputed. I checked my account and I do not have nothing on my account with XXXX, XXXX  and XXXX  at this current time. I do not know where this account is coming from. I ask them to send me a copy of the bill. I have contacted the insurance company and the hospital and they have nothing registered with my name and date during that time.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedingproceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation The accounts are * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I WANT REPORTED ACCOUNTS REMOVED
Product: Credit reporting or other personal consumer reports

I have paid the remainder of this spring oaks capital account, it is a collection on all three of my reports. They told me once it was paid, they would send receipts and delete it off my credit reports. They have not done this, I need this off ASAP as I am trying to purchase a home and this collection needs to be taken off as the representative told me it would be. Please have them send out to all XXXX credit bureaus and delete it. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

my complaint has not been addressed by Experian, i am a victim of identity theft
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from 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
Product: Credit reporting or other personal consumer reports

My complaint is from a previous dispute CFPB # XXXX against XXXX and CFPB # XXXX against TransUnion Credit Bureaus. XXXX is still reporting three accounts that were reported in two previous FTC reports # XXXX from XXXX and # XXXX from XXXX, while TransUnion is reporting two of the three. The accounts that remain are causing a XXXX difference in my credit scores compared to other bureaus that removed the accounts in question via the above mentioned reports. According to the FCRA, credit bureaus must report accurately and fairly. 
The accounts are from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed several inquries being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are XXXX XXXX XX/XX/17, Capital one Auto Finance XX/XX/17, XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX GA XX/XX/17, XXXX XXXX submitted a inquiry on XX/XX/2017 and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.
Product: Student loan

I recieved a letter of notification that my student loan balance was {$0.00} XX/XX/XXXX. 
I recieved in the mail last week XX/XX/XXXX a letter from FMS stating that I owed {$1200.00} +XXXX+XXXX in fees. 
I paid off the full {$20000.00} My first initial thought was that I am being scammed. I 've called the dept of education and they have transferred me to several different companies. No one can seem to tell me exactly why I got this letter. 
Please help me. 

XXXX
Product: Student loan

I originally received several student loans when I attended college/university over 10 years ago. The loans were eventually consolidated over to Fedloan Servicing and placed in Forbearance, due to my inability to repay the loans because I was unemployed for years. As of XX/XX/XXXX, I was not required to make any payments due to the forbearance. Unbeknown to me, on XX/XX/XXXX my loans were taken out of forbearance and repayment was to begin, however I was NEVER notified by Fedloan. I did not receive any repayment notices via USPS mail/email nor phone call. I was unaware that any payments were due or that the forbearance was over because Fedloan failed to properly notify me. My address/email and phone number are correct on my credit file and I should have been properly notified that a payment was due so that I could remedy the situation. Fedloan began reporting late payments to all credit bureaus in XX/XX/XXXX and continued to due so through XX/XX/XXXX. Because the loan is divided into ( 7 ) individual loans, I have over 40 erroneous late payments now displayed on my credit report. I only discovered that the forbearance was terminated after I pulled my credit report in XXXX of XXXX and saw these late payments. I immediately called Fedloan and spoke to customer service about the issue. I explained to the representative that I was unaware that my forbearance was over and that I never received any notices from them for 6 months. I told them they had a duty to notify me and that due to financial hardship I still would not be able to make any payments. So they told me to apply for the {$0.00} payment Income Driven Repayment plan. After applying for the income driven repayment plan, it was determined by Fedloan that I qualify for $ XXXX   monthly payments. Which is fine, however I have written Fedloan several letters and placed several phone calls to Fedloan demanding that they delete the late payments, as they failed to notify me of the forbearance ending. As a service provider, they have the duty to properly notify the consumer of payments due, and the intent to report alleged " late payments '' to the bureaus. Furthermore, the alleged " late payments '' were not indeed " late '' because I have not been employed for over 2 years and I qualified for {$0.00} repayment as of XX/XX/XXXX ( the end of my forbearance ). Had Fedloan properly notified me back on XX/XX/XXXX, I could have applied for the Income Driven Repayment plan back then, I would have been approved for $ XXXX monthly payments because obviously my financial status has not changed in almost 3 years, and I would have never endured the hardship of having these late payments affect my credit. The erroneous late payments being reported by Fedloan are causing extreme hardship and is affecting my ability to obtain lines of credit. I am a mother, and currently unemployed and these late payments that have illegally been reported to the credit bureaus need to be removed due to Fedloan 's negligence to properly notify me that my forbearance was over and payments were due.
Product: Checking or savings account

In XXXX of 2024 I asked for clarification of unaccounted for money in my checking account. I asked for the same thing in XXXX, XXXX, and XXXX. They just kept making up excuses and trying to change the subject. I finally was able to talk to a supervisor. He just kept giving me the runaround and trying to make justification for the missing money. I went through my statements and found that my checking account is funding my secure account ( whatever that is, I dont have access to it and was told I could not access it ) This secure account is to pay for my XXXX XXXX account. They are charging me twice for the XXXX XXXX charges. They deposit funds from my checking account to the XXXX XXXX in advance. They falsely charge me for transactions that dont exist. There are all kinds of discrepancies going on with my Chime accounts.
Product: Debt collection

I repeatedly called them, spoke with management, customer service told me although its theif they cant do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Mortgage servicing company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX NMLS ID XXXX XXXX The loan number is XXXX My name is XXXX XXXX I never requested to be signed up for forbearance plan, I only acquire for the program. I have been paying all my payments on time. I have messaged on their website a several times, no response. I have called them after several attempts finally was able to get hold of a person who was overwhelmed and impatient.She will stated will note my account and I should receive a letter within 30 days which I have not received. 
Their negative status of my mortgage will prohibit me from a future refinance or a new loan. 
i would appreciate your help.
Product: Student loan

Navient agreed to enroll me in their rate reduction plan for one year so I could afford to start paying these loans back after I got out of bankruptcy. After the year was up they denied me to be able to re-enroll because they said I had taken out new credit. I had to buy a new car to get to work and refinanced my house and the motorcycle my husband uses to get to work to lower those payments in order to compensate for the new debt. We have to have reliable transportation in order to work. When I was first enrolled in the program they did not tell me that obtaining any new credit would disqualify me from re-enrolling in the program. I also was not told that {$29000.00} in interest would be added to my account in exchange for being enrolled in the rate reduction plan. My payments were {$910.00} per month. So in XXXX payments totaled {$10000.00} but {$29000.00} was added just so I could participate. That does n't make any sense. I certainly did n't save anything with this plan like they said I would. It would have taken me almost three years of making those payments just to make up the amount they added for me to participate. This was not told to me at the time I enrolled in the program. They also will not stop automatically taking the payment out of my bank account even though they denied me to re-enroll in the program.
Product: Checking or savings account

Multiple times over the past 10+ years my account has been flagged as fraud and I was unable to access my money. I wasnt able to purchase the things I needed.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX Balance : {$150.00} XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX  XXXX, Account NumberXXXX, XXXX XXXX, Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  XXXX Account Number : XXXX, XXXX, Account Number : XXXX, XXXX, Account Number : 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 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

I owe Money4you {$1900.00}. I have made payment arrangements, but they will not accept what I can afford so I have not been able to keep current. They have reached out to my employer many many times to the point that my employer is putting pressure on me. They have also disclosed information such as the purpose of the call, the amount owed, and other information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX
Product: Checking or savings account

A man saying he was from Truist Bank fraud claim some one was trying to open an account in my name then he tried to get personal information from me. He called from XXXX. He hung up when I refused. 4 minutes later a woman called saying she was from Truist Bank XXXX XXXX XXXX. I told I was calling law enforcement. Her Name on the caller ID is XXXX XXXX. I call the Real Truist Bank but you can not get a live person on their fraud line.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit reporting

XXXX XXXX knows I was employed until XX/XX/XXXX. I moved as XXXX after XXXX in 2002 to the XXXX XXXX XXXX. I was at the XXXX till 2002 and the the XXXX XXXX location until XX/XX/XXXX. This wrong information might be due to a XXXX lawsuit filed in XX/XX/XXXX towards XXXX due to XXXX due to XXXX XXXX. I would call main personel at XXXX. Not sure isf I remember this # correctly but they are on XXXX XXXX XXXX XXXX XXXX Mo.
Product: Debt collection

XXXX XXXX Nelnet, Thank you for the response. Now you are stating that these are tactics and this is fraud, but did not provide any information requested by affidavit ( commissioner of the court ) to prove that this debt has indeed has not been paid. Are you stating that the law HJR 92 IS FRAUD? Are you stating that these options of ACCEPTED FOR VALUE and exemption is FRAUD? Please provide the REAL STATEMENT OF ACCOUNT that will show you that this IS NOT fraud and your company is committing fraud and this has been paid. I am not afraid of the law and a commercial lien will be filed. Now you have attached a contract ( NOTHING WITH YOUR NAME OR COMPANY NAME ON IT THAT SHOWS I CONTRACTED WITH YOUR COMPANY ) nor did you attach your jurisdiction are the full statement of account on the private side to prove this debt. All these items have been requested from your company because my student loan is closed on my credit but was apparently sold to company and that contract was requested as well. You are a collection agency and again are no where listed on my loan. Your company did not loan me anything. Have the company that is listed on the loan to contact me or show me your jurisdiction contract with the company and lets see who the fraud is. I attached the still existing law that states what FRAUD is. 
1. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation between the debtor and NELNET to pay debt collector which will give your company jurisdiction to report this debt on my credit. Please mail are attach all requested information by affidavit that has been sent to your company, with the AUTHENTIC statement of account.
Product: Debt collection

QCS has repeatedly threatened to submit my debt to the district attorney if I do not find funds immediately. I was not even allowed to wait for their demands in writing. They attempt to damage your livelihood if they are not paid immediately. XXXX tactics and speak to you as if you are a XXXX human being with no respect.
Product: Credit reporting or other personal consumer reports

The following accounts appear on my credit while I was living abroad in XXXX, I have reason to believe my identity was stolen : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 card or prepaid card

I missed my XXXX, 2018 payment of {$41.00}. Had XXXX down for 3 weeks my fault. received XXXX, 2018 bill stating I owed {$120.00} this included over limit fee I would I incurred because of their charges. Called in XXXX, 2018 and set up Special Program no over limit fee I paid {$82.00} today XXXX, 2018 they say I still owe {$83.00} and XXXX, 2018 {$83.00}. I missed one payment that I am paying an extra {$120.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.