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

I am writing this complaint with hopes that you are able to assist me. During the pandemic the president signed the " Cares Act '' which placed all federal student loans on a pandemic forbearance/suspension. To my knowledge all of my student loans are federal student loans so I assumed that all of my student loans would be placed in this status. The cares act with respect to the student loans was extended at multiple stages throughout the XXXX year due to the continued state of the Covid-19 pandemic. It was not until late XX/XX/XXXX that I pulled my credit report and noticed that half of my student loans were reporting as current and the other half was reporting as past due. I immediately contacted the XXXX company to find out what was going on. I spoke with a representative and I was informed that yes all of my student loans are federal student loans however half are owned by the Department of Education and the other half was owned by XXXX. I immediately attempted to rectify the situation by applying for a deferment which was approved. However reporting on my credit report are late statuses for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX has been sending my past due status and my monthly statements to an UNKNOWN ADDRESS, for which I am attaching those documents. FYI I was able to recognize the address discrepancy because during one of my conversation with a customer service rep she walked me thru accessing the documents online and I noticed that for some odd reason they were sending certain correspondences to my address XXXX XXXX XXXX but some to an incorrect address for which I have never lived XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I added this to explain why I was not more proactive in trying to rectify the situation before it even got to this point where the accounts were reporting past due. Whats wierd is they were sending letters to this address telling me they were unable to get in touch with me to the same address they were unable to contact me at. Looks like they updated my address since. 

Regarding : Account # XXXX Attaching 1. Cares act info 2. Screen shot displaying the past due statuses on my credit report 3. A few documents showing proof that notices were being send to wrong address.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to EXPERIAN, XXXX AND XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance {$3500.00} ; XXXX XXXX XXXX Balance {$5000.00}
Product: Credit card or prepaid card

XXXX  XXXX : was opened not aware ( I'm XXXX  XXXX and XXXX  Capital one : was opened not aware ( I am XXXX  XXXX and XXXX  Capital one savor : was opened not aware ( I am XXXX  XXXX and XXXX
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 719XXXX 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 heck 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 us 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 XXXXThis 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX u own lease has submitted duplicate claims on my report for the same debt of {$2000.00} This is incorrect information. 
Please review and delete both accts as this is not legal to do.
Product: Debt collection

I have been contacted multiple times in the last two months by a company that identifies as CBE Group. I have blocked their numbers but they continue to call from different numbers. Today, they called from the number XXXX. I called back and a female-sounding voice answered the phone. I asked, " Who is this? '' She responded " CBE Group. '' I said, " No, who are you? '' She responded, " I am a manager. '' I said, " You will not give me your name then? '' I told her that they have been harassing me for over a month, and I understand my legal rights ; do not call my phone number again. 

I have no debt collection that I am aware of. My credit score is in the " Good '' area, I pay every one of my  bills on time, and the only debt that I have is the debt from XXXX XXXX  that I am not expected to pay until I start work as a XXXX XXXX this XX/XX/XXXX. This is harassment, and I expect this company to be held accountable for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX i called Capital one auto finance to arrange an auto payment arrangement. I was told to pay a payment for XX/XX/XXXX and have other payments broken down into smaller payments to help me catch up. I agreed a had a withdraw from my XXXX  account ending in XXXX now i have a delinquent remark saying that im 60 days late on my car payment. I have currently paid all past due balances and late fees, but the representative misinformed me on having a 60 day late payment after i paid on XXXX XXXX the report is showing a late XXXX from XX/XX/XXXX to XX/XX/XXXX which is not 60 days of missed payments. I would like to show that XXXX shows as paid on my credit report not as a missed payment
Product: Checking or savings account

On XX/XX/2021 Chase bank closed my account for no apparent reason. I have been a long time customer. They are holding my money and refuse to send it to me. They have my NY unemployment benefits and social security XXXX a combined amount of XXXX. They claim they sent me a letter but they sent it to my account which is closed neither myself or them can open it my old checking account was XXXX I want and need my money I'm behind rent and necessities.
Product: Credit card or prepaid card

I had a {$9000.00} balance transfer check sent to Wells Fargo to pay off my credit card balance for the XX/XX/ due date. Wells Fargo took more than one month to process the check and as a result it was stopped due to being stale dated by the other bank. I also through Wells Fargo 's website had another payment made from one of my checking accounts. Because Wells Fargo attempted to cash the stale dated check they rejected my payment from my checking account stating that my credit card was paid in full and then after realizing that the check was stopped charged my a late fee. I find this unacceptable as they are charging me for their mistakes.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXXXXXX  with a balance of {$410.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

2019 car accident i was rear ended in a parking lot by a lady in a XXXX XXXX suv my report says i was at fault not sure why
Product: Debt collection

Account Number - XXXX I sent two certified pay in full letters XX/XX/XXXX and XX/XX/XXXX and a recorded conversation XX/XX/XXXX. XXXX XXXX XXXX still refuse to work with me on a fair % of the debt for this account. Just to omit this debt on an account I NEVER opened up I am willing to pay a portion of the debt, but XXXX XXXX XXXX will not work with me on a fair % for a debt on an account I never used or opened up. 
Abbreviated Correspondence List Below : a ) Four CFPB complaints ( ignored ) b ) Two FTC dispute letters ( ignored ) c ) Two validation letters ( ignored ) d ) Received 17 unreliable and incomplete reply letters from Capital One and misc. companies.

e ) I sent several dispute letters to all three credit bureaus which ( successfully removed all debt from the credit agencies ) f ) I tried to negotiate on XX/XX/XXXX and was insulted by the $ amount XXXX tried to demand me to pay. There seems to be no working with XXXX XXXX XXXX for a fraudulently opened account for removal on a fair amount. 
g ) Capital One can not provide me with the original contract between the original creditor and me that I did not fill out or ask for.

h ) The original debt information per the records sent to me was left at only a total of {$58.00} that is actually owed to you, but it had increased due to interest and charges. A {$120.00} payment with the conditions above via money order is above and beyond an acceptable amount for an account that was never opened by me, not seen by me until my credit report in XXXX, and never used by me. Work with me, and you will never see another complaint or letter from me again. 
i ) Two certified pay in full letters XXXX XXXX and one to Capital One XX/XX/XXXX and XX/XX/XXXX ( ignored ) j ) Reply letter Capital One this letter said nothing and was incredibly XXXX  regarding nothing about the account again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had XXXX separate disputes regarding loan information being provided by Santander. In each dispute Santander had to update change or correct multiple fields each time. XXXX XXXX  of the changes were to the same fields. Dates and amounts of payments, principal remaining, interest rate, payment history and others. In XXXX XXXX XXXX my principal balance was reported as {$0.00}. The following month it had ballooned to {$12000.00} directly affecting my credit score. The principal owed and payments amounts and dates have been changed or corrected XXXX times. The same fields were corrected XXXX or more separate times. It has directly affected my ability to secure financing. Another financial institution advised me to check the reports being made by Santander. The repeated false information and inability to provide correct information about same items and having to change these items so many times is breaking the fair credit reporting act.
Product: Debt collection

This company is being calling my brother, I told the to stop calling my relatives, or calling me during my job hours, they never stop, Today I asked the to call me after XXXXXXXX XXXX that I am off from work, and He answered me very rude, you should better answer my call.
Product: Student loan

I contacted Navient 's rate reduction program department on XX/XX/21 explaining to them that I still have limited work and my income has been drastically impacted for over a year. I asked if I was eligible for temporary interest rate reduction so I could have more affordable monthly payments and still be able to pay my loans down. I explained since I had to extend these loans out the total payments since loans dispersed would be over 40+ years. They stated I have used up my interest rate reduction allotment, unwilling to accommodate even though I stated other private student loan services were able to. They only offered me interest only option which perpetuates this cycle of debt without allowing me to affordably pay down some principle.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the erroneous items in my file that resulted from an inaccurate credit report data but I still have ITEMS left that needed to be removed. This is my 7th letter that I was the victim of faulty credit reporting. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was 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 information relating to any transaction by the consumer. The following items need to be removed as they are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5700.00}. Please note XXXX sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to remove these items I will be referring this matter to my attorney for further action. Please do not make this a port litigious matter Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an incorrect credit reporting. I do not consent to E-OSCAR or any means of automated verification.
Product: Debt collection

In accordance to 15 US 1692d a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. In this case I am asking that you'll stop sending me emails or you'll will be fine for each violations according to 15 USC 1640 for damages that was done.
Product: Debt collection

Company sent me a collection letter mid XXXX XXXX, 2017 and when I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on the letter. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information she hung up in my face. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never attended XXXX University and I have no knowledge of this account.
Product: Debt collection

On XX/XX/2018 at XXXX XXXX I spoke with a young lady by the name of XXXX. I informed XXXX of my financial hardship which pertained to my XXXX-year-old daughter 's health. XXXX explained that I would need to speak with XXXX their office manager. Upon speaking with XXXX she stated that her company required her to notify me that my vehicle was up for repossession, how I asked my payment isn't even 30days late. Nor had I received a RTC which is required in the state of South Carolina. XXXX didn't ask me what was causing my delinquency or hardship she just wanted to discuss the money. Keep in mind at this point my account was not even 30 days behind. I was approximately 21 days past due and was calling to make the payment arrangement for the next day. After speaking with XXXX I was put back on the phone with XXXX to make the arrangement. At this point I requested that XXXX place a note on my account the XXXX was not to communicate with me again. Anyone else who needed to communicate with me could call but XXXX due to her unprofessional demeanor was not to call me. I continued to make payments to the company and have not been 30 days late. On XX/XX/2018 at XXXX XXXX. I received a text message from a number that I didn't recognize. It stated " Please call XXXX to avoid legal action. I recognized the number in the message as Laurens Financial, however, the number it was sent from was XXXX. I blocked my number and called the number from the text and found that it was an employee 's ( XXXX ) personal cell phone. Due to the stress of dealing with my daughter 's illness and constant doctors appointments, I do not need to be threatened or harassed in a demeaning manner. It is difficult enough for me to make these payments without feeling like I am or being treated like I am XXXX  or trash. These practices are inexcusable and should be taken seriously. This company is using threat tactics and personal cell phones to communicate with customers. I have found under the CFPB and also the South Carolina Department of Insurance and Consumer Finance that these practices are illegal and a violation of my consumer rights. Please help me avoid these unfair practices. I have the text message saved in my cell phone and also the digital memo of the date requested for no contact from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an online account for which I pay monthly with Experian and I have been trying to get a fraud account of my credit file. I contacted Experian to get this resolved and they assigned me a dedicated person from work with however I can never reach this person after several attempts. I want this entire issued resolved and no one seems to take me seriously. I have attached numerus emails and then the problem with their system when trying to upload the items they requested.
Product: Checking or savings account

I have a checking and saving account with TCF bank and every 2 weeks they change my pin number they let me with no acces to my money i try to get answers for the bank and they just said make another pin Im so so so tired with tcf bank i want to make complaint for the bank i need my money
Product: Credit reporting

The employees at Experian is selling and exchanging unverified information in my credit file.They owe me a legal and lawful fiduciary duty.They are refusing to honor my Identity Theft Affidavit omb # XXXX, blocking request, and Identity Theft Report filed with the US Postal Inspection Service.They are reporting a bankruptcy and refused to substantiate the bankruptcy by oath or affidavit.Federal Trade Commission ID Theft Affidavit does not have an OMB Number issued by the director in accordance with the act.The employees at Experian should already have a copy of the paperwork on file already before they reported the bankruptcy, otherwise someone could mail fax or email in a fraudulent account.They continually send me form letters violating my civil rights ignoring my requests over and over again violating the Fair Credit Reporting Act.This account is inaccurate because it has not been verified.
Product: Checking or savings account

Received notification through my banking app that an ATM withdrawal was made in XXXX CA on XXXX in the amount of {$480.00}. I did not make the withdrawal, I was at home in my residence in XXXX, Colorado with my bankcard in my possession at the time the withdrawal was made. I immediately contacted my bank and disputed the transaction, and submitted documentation that I was not in California on XXXX. My dispute was denied by my bank on XX/XX/22 claiming that there was documentation that the transaction was legitimate. It could not be legitimate, and, I was not advised to file a police report during the initial report on XXXX so no police report was filed until today after being told that I would need to appeal the bank 's decision.