23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

There are XXXX incorrect items on my report XXXX XXXX investments is not my account. I have requested six times for validation of debt along with original agreement and my information that has not been provided. 

Achieve loans- I have requested over four times for a validation of debt along with original agreement and my ID verifying its myself I have not been providing any information. This is identity theft XXXX XXXX XXXX XXXX is showing late XXXX and was late for this is incorrect information. I have all the payment up-to-date and have been up-to-date for the past XXXX years. This was also included in my divorce. This mortgage belongs to my spouse XXXX XXXX, and should be removed from my account.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

I'm writing to formally complain regarding fraudulent accounts that have appeared on my credit report. Despite my efforts to resolve this issue, these unauthorized accounts continue to negatively impact my credit history. 

Details of the Fraudulent Accounts : Account Name : XXXX XXXXXXXX Account Number : XXXX Reported By : TRANSUNION Date Opened : XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX Email : XXXX Date : XX/XX/XXXX Subject : CFPB Complaint Regarding Experian Data Breach and Fraudulent Information on My Credit Report To Whom It XXXX Concern, I am writing to formally file a complaint against Experian regarding a data breach that has compromised my credit profile and has led to the inclusion of fraudulent information on my credit report. 



Summary of Complaint : I am XXXX XXXX XXXX, a consumer with the above-mentioned address and date of birth. On XX/XX/XXXX, I discovered that my credit profile with Experian contained fraudulent information that I believe is a result of a data breach. This erroneous data includes fraudulent information, unknown accounts, inaccurate personal information, unauthorized credit inquiries,. I did not authorize any of the transactions or account openings associated with this fraudulent information. 



I have already taken the following actions : 1. Contacted Experian to dispute the fraudulent information and requested Validation of accounts with PROOF OF WET SIGNATURES ON ORIGINAL CONTRACTS.

2. Placed a fraud alert on my credit file.

3. Requested a copy of my credit report to review all unauthorized activity. 



Despite these efforts, the fraudulent information remains on my credit profile, and I have not received a resolution from Experian in a timely manner regarding these accounts. 

Accounts numbers listed below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request for Resolution : I request that the CFPB assist in investigating this data breach and the fraudulent information on my credit profile. I seek the following : 1. Immediate removal of the fraudulent information from my Experian credit report.

2. A full investigation by Experian into the breach and unauthorized activity.

3. Confirmation that my credit file is secure and no further unauthorized information has been added.

4. Compensation for any harm or damages caused by the breach, including potential impact on my credit score or eligibility for credit. 



BY LAW UNDER 15 USC 1681 RIGHT TO PRIVACY. 



I appreciate your attention to this matter and look forward to your prompt response. Please contact me via email at XXXX if you require additional information. 



Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Bank of America refused to refund {$240.00} for a scam XXXX payment. They do not inform customers that their funds are not protected from XXXX scams.
Product: Checking or savings account

On XX/XX/XXXX, I called Citibank to alert them to five separates charges all at a XXXX in XXXX, CA ( nowhere near my home or business ) on my business checking account totaling {$580.00}. This account is primarily used for automatic deposits from my website and brick and mortar XXXX system. On rare ( perhaps once monthly/bimonthly ) will I use the card to buy gas from my local gas station. 

I spoke to someone on the phone who filed my fraud complaint/charge and on XX/XX/XXXX I was notified that my request for reimbursement had been denied. I called again on XX/XX/XXXX to file an appeal and was told that I would need to FAX or mail in an appeal. Also, that I would need to contact the XXXX convenience store where the fraud occurred to personally ask them how this could have happened and if they could provide me with an account statement showing how the purchase was made. When I noted that barely anyone uses fax machines in XXXX and that I felt like I was being stonewalled, I was given a XXXX XXXX XXXX South Dakota where I could mail in a written appeal. 

As a business owner, I am disappointed and shocked not only that Citibank failed to flag these charges as fraud ( I spotted them while looking through my own statements ), but that they would expect me to contact XXXX to inquire about how/when/by whom this fraud took place. And that I would then have the time and trust in them to read my written appeal from their South Dakota XXXX XXXX XXXX This is not an insignificant amount of money and I refuse to accept their denial of my fraud claim when these charges are 100 % not my own. 

Please help. Thank you so much.
Product: Credit reporting or other personal consumer reports

I'VE RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION REPORTING CAUSING ME TO HAVE A LOW CREDIT SCORE AND GETTING DENIED DUE TO INACCURATE INFORMATION REPORTING.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts accounts unsolved. The consumer financial protection bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian and neither corrected or removed dispute items despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX ( 1 ) 15 USC 1681 Section 602 states i have the right to privacy.

( 2 ) 15 USC 1681 Section 604 A section 2 : it also, states a consumer reporting agency can not furnish a account without my written instructions ( 3 ) 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

During the month of XX/XX/XXXX I had several bouts of XXXX XXXX, uncontrolable XXXX of XXXX, XXXX, etc. I visited my XXXX, XXXX XXXX XXXX. On two seperate ocasions he gave me XXXX XXXX bottles to fill and then sent them to a company called XXXX for analysis. XXXX subsequently told me that XXXX XXXX XXXX  work orders had been miss-coded, to the effect that the XXXX XXXX were identified as being part of a rutine XXXX XXXX XXXX. Thus, XXXX refused reimbursement for these analysis. 

XXXX XXXX  normal modus operandi is to have the patient sign an agreement to pay XXXX for any analysis that has not been paid for by another party. Since i did not take the XXXX XXXX to XXXX in person, I did not sign any such agreement. 

Sunsequently XXXX XXXX corrected the work order coding and sent said revised paper work to XXXX. XXXX then sent me a letter sataing that they had recieved XXXX XXXX corrected work orders, but that they would not resubmit a new request for payment to XXXX. They directed me to pay them up front and then attempt to get reimbursement from XXXX. Since I had never agreed to pay XXXX for any third parties mistaken actions or ommisions, I refused to pay. XXXX then turned their attempt to collect a debt that I do not owe them to a debt collection Company, Credit Collection Services ( CCC ). 

On XX/XX/XXXX CCC wrote me a dun letter. Upon recipt of said letter I called CCC, and in a recorded conservation I explained that they were attempting to collect a debt that I did not owe. I explained to them in detail be facts and circumstances that led to their client 's, ( XXXX ), false claim that I owed a debt. 

Since then CCC has writted two additional letters threatening to ruin my credit if I did not pay XXXX. 

XXXX - Debt Collection Division XXXX XXXX XXXX XXXX, NC XXXX CCC XXXX XXXX XXXX XXXX, MA XXXX
Product: Debt collection

This company has called over and over about a debt that I don not owe. Has called even when asked not to. Threatened to damage my credit and also has not removed it from my credit even though I disputed the validity of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I repeatedly disputed the address and as well as information pertaining to an account on credit report Equifax has not been complaint under the guidelines of metro 2 format compliance as well as have not been compliant to my rights under the fair credit act section 623 ( 1A ) ( B ) ( i ) ( ii ) 3 as well as under the fair credit act has not provided section 609 ( A ) 1 sec 611-2A1 ( 2B have not provided me anything proper documentation that represents action taking against me
Product: Debt collection

On XXXX at XXXX hours I called and spoke with a representative and told them to stop calling me as they repeatedly call me multiple times a day and I had acquired the service of a debt management company to handle these matters. I offered their contact information but the representative refused to take it.
Product: Payday loan, title loan, or personal loan

Sunlight financial was provided as a lending intuition for XXXX XXXX project. XXXX XXXX XXXX XXXX XXXX provided sunlight for loan. Sunlight participated in predatory lending practices backing Adjustable rates based on Fed tax incentives in amounts that were not achievable. Additionally the system itself didnt work and does not work as advertised and should fall under the HOLDER rule. The cost of the System with out interests is {$65000.00} While I have been making my payments its becoming hard with a system not working and having double the utility bills.
Product: Credit card

Banco Popular lied and hided information on their response to the CFPB complain # XXXX. 

On their response, Banco Popular stated that " There were no previous records of claims or call recordings identified. '' That is a lie. 

On the XX/XX/year> card statement there is evidence of the late payment reversal. Banco Popular on purpose left that evidence out on their response. 

Banco Popular reversed the late payment fee BECAUSE I presented a complaint. That is a fact. In no other way a late payment fee is reversed. 

During my complaint, Banco Popular promised to not report the disputed late payment ; the very same one successfully resolved in my favor. 

So, the Bank wrongfully reported a late payment even after resolving on my favor the dispute. Banco Popular is inaccurately reporting a delayed payment that was disputed, and officially confirmed on the XX/XX/year> statement, resolved on my favor, but still reported to the credit bureaus. 

This is simply wrong. 

Banco Popular needs to behave honorably, and just like the dispute of the late charge was all reversed, remove the mark on my report on all credit bureaus so that both actions are accurate. 

Not doing so, is an inaccurate reporting and that is against the applicable laws and regulations and further actions will be pursue when the times comes.
Product: Credit reporting or other personal consumer reports

These accounts are not mine. I would like you to review these. I respectfully request to be provided proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. 

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
Product: Credit card or prepaid card

On XXXX-19 I was giving a onevanilla ( Incomm ) gift card with the amount of {$200.00} on It. I logged in the website provided on the card to try to find the balance as it was a gift card. The Website showed nothing but the same page. Later that morning I call to find out the balance via 1 800 number. To find out that it was XXXX that 2 purchases was made to the apple on line store of XXXX and of XXXX to the apple on line store on XXXX-19 at XXXX XXXX. I Contacted the one vanilla ( Incomm ) company and they advised contacting XXXX. XXXX can not do nothing about it. One Vanilla has sent me a dispute packet that I have sent back to them several times and saying they are not recieving anything.. Out {$200.00}
Product: Debt collection

IC debt collectors put themselves on report 6 months ago. Turns out they are saying they are collecting for a utility company and the last time account was operating was 5 years ago????? Ive asked several times for documentation especially billing and payment history and they cant and wont provide me with anything. 

I told them several times social services was last handling and paying the account. I couldnt pay it years ago and social service took it over so the power to the home wasnt turned off because there were young children living there with me as well anyway the collection agency refuses to send any proof of any billing. I am not responsible for any of social services dealing with them. I lived in the house and didnt pay an electric bill for 5 years. I would see bills mailed and see social services make some payments but it had nothing to to do with me. Thats the law in my are I guess becasue thats how the electric stayed on all those years without be payng anything because I didnt have anything. So I C systems wont send me any documentation of anything. If they did the billing all those years back would show any payments made to the account were made by social services. 

Ive tried several times to explain this and all they do is make threats
Product: Credit reporting

As of Tuesday, XX/XX/2017, EXPERIAN is still knowingly and illegally reporting a debt of {$640.00} to XXXX for XXXX XXXX LLC. 

REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX 

I maintain that during the selling, purchasing and/or transferring of my account ( s ), XXXX, knowingly violates both the Fair Debt Collection Practices Act and The Fair Credit Reporting, by constantly and consistently reporting negative, unfair, inaccurate, unreliable, incomplete and missing information to the XXXX major credit reporting agencies/bureaus ( Experian, XXXX and XXXX ) by purposefully misrepresenting a debt that I do NOT owe in its reporting as debts of XXXX ( {$640.00} ) that is : ( XXXX ) paid/settled ( XXXX ) old, obsolete and out-of-date ( XXXX ) over the Statue of Limitations ( XXXX ) time-barred ( XXXX ) used to intimidate ( XXXX ) purposely omitted date ( s ), time, purchases and amounts.
Product: Debt collection

I called Jefferson capital group llc. early in XXXX of 2019. They were hired by XXXX XXXX XXXX to collect a debt to settle the account. Before I paid to settle the account, I negotiated with the Jefferson capital group representative for them to provide me a letter stating the debt has been settled and to remove this item from my credit report. I spoke at length with jefferson capital group, and they will not stand behind their employee who told me that he would provide me the letter. 
My credit report still shows the debt, and it has not been removed from my credit report as stated thus dragging my score down after I settled this debt. ( paid, satisfied ).
Product: Student loan

I filed a complaint to have Navient send me the application for discharge due to school misconduct and was denied the application because I consolidated my loans to be able to afford the payments. However, I consolidated my Sallie Mae/Navient loans with Navient ; not another loan company. Due to holder law, my loans should still be eligible for discharge due to school misconduct. This response from Navient denying me the application is unacceptable as my school has been found to be a listed school investigated for misconduct of the XXXX XXXX XXXXXXXX case and I have a pending XXXX XXXX XXXX application as a post-class member for my government loans. I would like a copy of my original promissory note signed by both myself and my school from Sallie Mae which was acquired by Navient and my loans consolidated with Navient. Navient did send me documentation of my consolidation but not my original promissory note for my loans through my school, Sallie Mae/Navient XXXX My consolidated loans are the original school loans I was pressured into taking through my school misconduct. It should not matter that they were consolidated nor should the private loan type prevent discharge and refund due to school misconduct along with misconduct from both Sallie Mae/Navient with my school, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 

My consolidated private loan is my original loans I was pressured into taking through Sallie Mae/Navient and my school that has been investigated for misconduct and a named school in the XXXX XXXX XXXX case that I am a XXXX member awaiting discharge for government loans. My private loans should be included in the Navient school misconduct discharge and the type of private loan should not matter. 

I was told by a Navient loan service employee, XXXX XXXX, employee # XXXX on XX/XX/24 on the telephone that I was eligible and would receive the application for school misconduct discharge " pilot '' program in XXXX weeks in the mail. When it did not arrive, I filed a complaint with the Consumer Financial Protection Bureau. Only then, after another phone call did Navient change what they told me and say I was not eligible due to loan type. The CFPB complaint was pending, so I waited for their response which is that my loan type is not eligible. That is unacceptable as these are the original loans consolidated from my school investigated and found to be guilty of misconduct as per the XXXX XXXX XXXXXXXX case.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account and 3 inquiries that are on my credit report that are not mine I have not approved used or signed anything for these I dont know why it's on my report I need this off I am getting tired of disputing items that dont belong to me we have no free time to be checking for identity theft!!! 

XXXX XXXX - Acct # XXXX Amt {$450.00} Opened XX/XX/XXXX INQUIRIES XXXX XXXX, I - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, my parents told me a letter for Chime was sent to their apartment in Oregon. It is a debit card activation kit with checking account number and routing number. I have never applied for a Chime account and I live in New York now. 
I am not sure if it is an identify theft who used my info to open this account or the company opened an account under my name without permissionits unusual that identity theft to open a checking account and send to my old address. 
I contacted Chime at the same day ( XX/XX/XXXX ) and asked them to close this account via email. They requested me to send my last 4 digits of SSN and image of a government ID. After they received these info from me, they said the account was blocked. But in order to formally close this unauthorized account, they needed me to send the front and back of my ID and a picture that I am holding my ID. I did send that right back but they never get back to me since then. 
I tried to contact them via phone, via email and social media a couple times on the XX/XX/XXXX and XX/XX/XXXX, but no one get back to me about this issue or reply to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had " XXXXXXXX XXXX XXXX XXXXXXXX '' run inquires on credit reports without my consent. I asked them to please stop. They are constantly pulling my credit report. 

My name is XXXX XXXX, I'm not sure why its showing XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account number : XXXX am not liable for the debt with XXXX. I do not have a contract with absolute resoultions inv, they did not provide me with with the originial contract as requested. 

XXXX Account number : XXXX I am not liable for this debt with this company, neither have they provided me with the original contract bearing my signature as i requested. 

XXXX XXXX XXXX  Account number : XXXX. I am not liable for this debt with XXXX this account does not belong to me, neither have they provided proof of this alleged debt by providing me with a contract bearing my signature as requested.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against [ Creditors Name ] for inaccurate and unfair credit reporting in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( a ) ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). 

Nature of the Complaint : Inaccurate and Misleading Charge-Off Reporting : The creditor has continuously reported a charge-off for multiple months, which is a violation of the FCRA. A charge-off is a one-time accounting event and should not be repeatedly reported, as this creates false delinquencies and extends the negative impact on my credit score. 
Improper Reporting of an Account No Longer Held by the Creditor : If the account has been sold or transferred, the creditor no longer has the right to report a charge-off. Continuing to do so misrepresents the debt and violates accurate reporting requirements under the FCRA.

Failure to Correct the Issue Despite a Formal Dispute : I have attempted to resolve this issue directly with [ Creditors Name ], but they have failed to take corrective action. This is a violation of FCRA ( 15 U.S.C. 1681i ), which grants consumers the right to dispute inaccurate information.
Product: Credit reporting or other personal consumer reports

Asked company yo show signed contracts or copy of identification card. As well as asked the company to prove valid social security number.