23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

Kickoff credit service is selling fraudulent credit reporting as a service. You pay a monthly fee and they will report that you have a certain amount of credit available but is only usable in their digital store. They back date account age and report positive payment history that never occurred. In their digital store you can buy media that includes extending the account age, longer payment history and other fraudulent statements to modify your credit report.
Product: Credit reporting or other personal consumer reports

On the date of XX/XX/2024 I sent out the attached document requesting validation of a debt that I am unaware of that has shown up on my credit report, as well as the certified mail documentation receipt with my wet signature stating that I received the proper notification of said debt. It has been more than 30 days and I have not received anything yet this is reporting on my credit report. Please see attached.
Product: Credit card

I am currently trying to make my payment Ive tried about 3-4 times I log in to make my payment. It continues to tell me the page does not exist. Im fed up with this company I would also like to know when and why did it change to Bread Financial I never once got a notice about it.

But this is what I mean about never being able to make my payments because their site is down each time.
Product: Debt collection

XXXX XXXX, my XXXX XXXX XXXX was totaled. XXXX paid Santander over {$14.00}, XXXX for the car. Well, I assumed the care was paid off and I owed nothing. Back in XXXX XXXX, I started to receive noticies from XXXX XXXX. I really thought it was a scam, until I finaly contacted Santander. I contacted XXXX XXXX, and proceeded to make monthly payments, which began in XXXX XXXX. XXXX XXXX, after being paid each month, was still reporting my account as not being paid and reported at first as a new account and then change to collection account with the original creditor being Santander for little of {$6000.00}. But, it strange that the balance was going down on the account. I have statements and emails stating that the account was being paid, but still stating that it was closed and never paid. I recently contacted XXXX XXXX, after they sent the payment for XXXX XXXX back to the bank, they state that the account been closed since XXXX XXXX for non payment. Now I am getting these harassing calls stating that my payment was returned and I need to contact them. But now it is showing on my credit report that Santander is now reporting the same account as a new account for collections.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

They erroneously reported two evictions and a judgment against us, resulting in us getting denied an urgently needed apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of check fraud scheme, as described below. I have been reporting the matter to the FTC and the FBI 's IC3 bureaus, however through this process BofA has reported me to XXXX, thus preventing me from engaging in banking activities that are critical to my business interests and my board-level involvement with various civic organizations I volunteer with. 

The situation is as follows : In XXXX/XXXX of 2019, I was contacted to be engaged as a representative agent for the overseas company called XXXX XXXX and XXXX. My role was to receive payments on accounts from XXXX 's customers in the XXXX and remit monies to XXXX or as directed by them. My role was articulated in a memorandum of understanding on XXXX official letterhead. My liaison with XXXX is named XXXX XXXX and I have corresponded with him extensively through telephone conversations, texts and emails. On XX/XX/XXXX, a payment of {$72000.00} was delivered to me from a company named XXXX XXXX XXXX out of XXXX. As per my position with XXXX, I deposited the check into my checking account with Bank of America with the understanding that Bank of America 's ability to verify and process checks to be a reliable one and, after a hold period of more than 10 days, the check cleared BofA 's scrutiny on XX/XX/XXXX. I proceeded to distribute the funds as directed by my contact with XXXX, an individual named XXXX XXXX. On XX/XX/XXXX, I received another check payment of {$71000.00} from a certain business named XXXX out of XXXX. However, on that same day, I learned from BofA that a recall was made on the check by the issuing bank for XXXX XXXX XXXX on XX/XX/XXXX. After notifying XXXX XXXX of the trouble I called XXXX XXXX XXXX and spoke with their Vice President who said that one of their checks of the same number for the same amount had gone missing and therefore they contacted their bank to issue an investigation and a hold on the money which had previously been cleared. I immediately froze all activity, initiated recalls for the distributed monies and have complied with XXXX XXXX XXXX  investigation to every extent I am able. I initiated a check fraud investigation with Bank of America and I am working with any and all the authorities to expose the perpetrators of what is apparently a complex crime ring out of XXXX, potentially the likes of which our FBI XXXX XXXX XXXX described in his XX/XX/XXXX XXXX briefing addressing the state sponsored criminal activities of the XXXX XXXX XXXX XXXX 

*transcript of FBI XXXX XXXX XXXX XXXX presentation : https : //www.fbi.gov/news/speeches/the-threat-posed-by-the-chinese-government-and-the-chinese-communist-party-to-the-economic-and-national-security-of-the-united-states
Product: Credit card or prepaid card

I took out a XXXX credit card from Synchrony Bank in XX/XX/2018. One month later I started making my regular monthly payments of {$45.00} on the account. I always make my {$45.00} payments before the due date. I was finally able to get access to my account online on XX/XX/2018 when I found out Synchrony had recorded my birth day in error - once I put in the birth day they had, I was able to get access to my account. I was stunned to learn I was past due on my payments and had {$100.00} in late fees. I spent almost two hours with two different customer service agents trying to reconcile the late fees. They stated that, due to their billing cycle, I did not get credit for all my payments, so they said I was late on three payments. I am including my statements to verify I have made all my payments before the due date. I also have verification from bank on the dates these payments were received by Synchrony Bank. 

I have been penalized {$100.00} for paying early and my credit card shows I am behind in my payments, when actually I have been paying ahead of the due date. 

I am requesting removal of these {$100.00} in late fees.
Product: Credit reporting or other personal consumer reports

Congress states that Late payments are excluded from Consumer credit Files. XXXX XXXX XXXX  XXXX XXXX XXXX are furnishing inaccurate unauthorized Late payments information on my credit Files. 
XXXX XXXX account # XXXX XX/XX/year> & XXXX XXXX XXXX  account # XXXX XX/XX/year>
Product: Bank account or service

Chase bank allowed transactions on my behalf that I did not authorize, there is a current fraud case being opened on my behalf. I have tried contacting them and trying to prove my case on several checks and bill payments that I did not make.
Product: Credit card

I have accounts with synchrony Lowes and Sam 's. I called synchrony bank beginning XX/XX/XXXX. I have been ill for over the past year and one half. I got a little behind on my payments and called to make arrangements. I began making payments with the arrangements in XX/XX/XXXX. I am very disappointed with Synchrony Bank. They have seemed to have put my account in collections. I am requesting that Synchrony work with me to pay them back. That is why I called in the first place. I tried to speak with a Customer Service Rep on XX/XX/XXXX to no avail. I called the following phone number XXXX to no avail. They said it is nothing they can do. I have XXXX accounts the account numbers are XXXX and XXXX. Sams and Lowes. I am willing to pay back what I owe. I need a opportunity to do so. I can not pay it back all a once. I am still having health issues that I am trying to work thru. I have been a customer with GE Capital for a long time. It seems ever since Synchrony Bank took over for GE Capital that I have been having problems with my accounts. I need to be able to pay back my dept. I think if you reach out to a company and you are having problems you should be able to work something out. I have been a long time GE Capital customer. I would like to be able to make payments on these XXXX accounts and set up a payment plan with Synchrony Bank and not some collection agency. I am very disappointed. I made first contact XX/XX/XXXX and again XX/XX/XXXX about my health problems. Synchrony Bank should work with me like GE Capital did. I would like for Synchrony to allow me to pay my dept. I have health problems and need time to pay them back. Not thru some collection agency, but thru Synchrony Bank directly. I need these accounts pulled from collections so that I may deal with Synchrony Bank
Product: Mortgage

Hello, I called awhile back and someone put in a case number for me. Case number # XXXX. On XX/XX/2019 I mailed you all the communication documents that I have sent to USAA FEDERAL SAVINGS BANK and XXXX XXXX. I listed the case number on the envelope. Please review my documents and provide me with assistance in this matter. I sent them a proof of claim contract which both USAA and XXXX did not respond that has a Arbitration clause. Do you provide Arbitration?
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking.

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  reported a hard inquiry from One Main Financial. I have NOT requested any credit from On Main Financial. XXXX  is unlawfully reporting I requested loan from XXXX XXXX- and that false. The reporting caused my credit score to drop by 10 points on XX/XX/2021. I want XXXX to remove the false information regarding One Main Financial & restore my 10 points!
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, the XXXX XXXX XXXX XXXX XXXX XXXX. As a matter of fact, XXXX XXXX XXXX XXXX XXXX XXXX  was investigated for all kinds of predatory loan practices. I personally was convinced I could graduate in a specific timeline and budget and this continued to change over the course of my schooling. I was convinced to secure funding quickly or I would not be able to attend school for an additional year I have additional details I can share which Ive already shared within my Borrowers defense application I submitted in XXXX. 

Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as the XXXX XXXX XXXX XXXX XXXX XXXX, I was able to file a Borrower Defense claim with the Dept. of Education against the XXXX XXXX XXXX XXXX XXXX XXXX, and my Fed. loans of $ XXXX were discharged and my credit repaired. 

My Borrower Defense Claim was also part of the XXXX XXXX XXXXXXXX settlement for which I was a post-class member. 

I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. Senator XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools.
Product: Debt collection

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists
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 : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I want to do delete all names and addresses from XXXX, XXXX and experian off my credit report they are misspelled and wrong. I would like them to be removed immediately thanks. The only personal information is correct is XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my credit report, I am not happy when I noticed these inaccurate and incorrect information in there.
Product: Credit reporting or other personal consumer reports

Im upset to find inaccuracies on my report that are negatively impacting my scores and limiting my options. Its unfair and frustrating to be penalized for errors that shouldnt be there.
Product: Debt collection

They call several times a day even after speaking to someone. Payment is 16 days past due, they are calling 5 times a day and have told rep 3 days in a row now ( today is Thursday ) payment will be made Friday, rep nites account yet they ate still calling 5 plus times a day asking when payment will be made even though for 3 days in a row we have told them when it will be made. It is how become to feel like harassment by the company when even after speaking to a rep and they notate account that more reps will repeatedly call several times throughout the day. When advised they cant keep calling their reps say they are allowed to call up to 5 times a day until payment has posted even after making a payment arrangement.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This complaint is to notify you if you do not BLOCK OR REMOVE the listed account on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX T XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}
Product: Debt collection

I got a call from someone claiming to be an attorney with KP asset consulting saying XXXX XXXX XXXX was suing me and they would be the ones to collect the money. I called the loaning company and they said they do not work with them and I was most likely being scammed and that I was fine to continue on my payment plan. The people I was on the phone with were very aggressive and threatened to come to my apartment and tell my place of employment. They were threatening to sue for fraud and breach of contract.They had my social security as well.
Product: Credit reporting or other personal consumer reports

I paid my full account XX/XX/year> they sent me a letter of XXXX balance XXXX XXXX. Now they wont send me nothing. They never answer the phone as well
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Please remove the late dates from this account : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

BoA notified to close our business checking and credit card accounts. After the credit card cancelled. Our CD account is still not closing. This we cant get the deposit back. Its about XXXX. I tried to call them to solve the problem but all staff say they are not able to do it and transferred me back and forth many times. The most ridiculous thing is their CD department backlisted the number I called. I tried with another number it worked. Crazy if you dont provide service please give back our money rather than hold it for weeks.