23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I called yesterday for payment history on my loans during Covid and asked for a refund on the voluntary payments. 

I was first time informed of a deadline in XXXX that I was not made aware of the previous time I called and was waiting for them to get back to me with details and now the deadline has passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my consumer reports, I found my consumer rights have been violated. In Accordance to the Fair Credit Reporting Act. 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( I ) States the term consumer report doesnt include any report containing information solely as to transactions or experiences between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. 
XXXX Experian, XXXX is reporting late payments for 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  is an experience created by credit usage 15 USC1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

XXXX : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

Experian : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

These student loans have been around since XX/XX/1998 and they continue to get updated with fake payments so the servicer keep them active.
Product: Credit reporting or other personal consumer reports

This company called me every single day all day, threatening, saying they were gon na do this. Take me to court. All kind of things stressing me harassing me. I lost the first job with them cause they were calling my job and now I made a second one they just caused me a lot of stress
Product: Credit reporting 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 items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a mysterious old debt of {$14000.00} from XXXX yrs ago that, from what I am told ; is a from a bank overdraft at XXXX Tennessee TN as it is now XXXX  XXXX. I haven't heard or known about this " debt '' the last XXXX  years of my life. I have a decent credit score and have multiple credit cards and this has never " popped up '' in my credit report as I am now XXXX. 

This has just now " surfaced '' in my life and I haven't known about this. I am being forced against my will to pay this and I don't even know what the XXXX this is?? If I don't pay, this law firm XXXX, XXXX and XXXX will garnish my wages. 

I have been given wage garnishment options to repay this, but I still don't know what in the world I am paying?? This is like being mentally and financially XXXX! I set up a payment plan to keep them from garnishing my wages, but again I was informed online that if I do that I will make the old debt " alive '' and then they can seize my property, and AGAIN, I still don't know what in the world this is?? 

I need some kind of help! Is this legal for a XXXX party to purchase a XXXX XXXX XXXX debt and come after me and try to destroy my life?? I looked at the statute of limitations in TN and everything " falls off '' after 6 years. Does this company rule the world w/o anyone knowing? I " think '' the XXXX & XXXX XXXX is the original account holder and it was sold the the law firm? Again ... what in the XXXX is all of this from XXXX yrs ago? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX Tennessee XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX
Product: Debt collection

I checked my credit report recently and discovered that this company is reporting a debt that does not belong to me and is damaging my credit by reporting inaccurate information.
Product: Credit card or prepaid card

I had purchased furniture from XXXX and XXXX. They use genesis financial services. When I received my account in the mail, I went to put in an online account. It would not take it I called. XXXX and XXXX had entered the correct Social Security number. I have verified that it was somebody on genesis side that had put it in incorrectly ..They said that I had an incorrect Social Security number. They said the only way that that could be rectified is if I sent in a copy of my drivers license and or a copy of my Social Security card I received a letter on XX/XX/XXXX. I did send in a copy of my drivers license along with a copy identifying me in my account then on the XXXX I received another XXXX stating that I had 30 days to send in my Social Security card I fax that over, that was the only way they were able to correct the error with my Social Security number. It was the last XXXX digits. I received a letter today stating they did receive it however, due to the inconsistencies of the last XXXX digits of the Social Security number, they closed my account. I have done everything that they had asked me to do and I find it appalling that they would just go in close my account. I did speak with a gentleman today who said that someone did try to call me on XX/XX/XXXX however, I never did receive a message if I had I certainly wouldve called back. Ive been dealing with this now for almost 2 months
Product: Credit card or prepaid card

Second complaint. Representative called me left voicemail returned his call never replied. Disputing unauthorize purchase of XXXX for XXXX XXXX XXXX simcard purchaesd from XXXX. Hey guys who 's reading this msg use your logic please sim card can not cost XXXX .
Product: Credit reporting or other personal consumer reports

XXXX, Trans Union, And XXXX are obligated by FCRA to report accurate accounting. The consumer has advised ALL the inquiries reported were fraud, and said the company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of the consumer, the consumer is now requesting XXXX, Trans Union, And XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, Trans Union, And XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. the consumer is NOT asking for an e-oscar report, If XXXX, Trans Union, And XXXX do not have documentation to show these were in fact authorized they must be removed ASAP. Said company is liable under the SEC to follow certain rules, XXXX, Trans Union, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form 211 treasury omb forms to audit consumers ' accounts.
Product: Prepaid card

Have my payroll check deposited to a rush card. Unable to access my funds using PIN number. Tried to change PIN number without success. Unable to access funds. Could still call activity number and get my balance. Could pay bills that did not require PIN number. As of today I am unable to get my balance or any information on my account. No one will answer the phone either. I have XXXX that I ca n't access to pay my bills.
Product: Debt collection

On Friday, XXXX I contacted a creditor that I owed. The company name is XXXX. I called trying to pay out an account I had with them but i was told another agency was handling my account and to call them. The company that was handling my account is Security Credit Services. I called and I informed the lady that I needed to pay out the account. She said the balance was {$700.00}. I said okay and then I said to her I see this is not been reporting on my credit report and she said No it isnt. I proceeded to pay the money and she said it declined but that she would run the card again the next day which was Saturday. I said okay. She stated she would send an email and confirmation when it was done. Saturday morning I checked the account and the pymt was made yet I did not receive an email or confirmation from them. Approx 1-2 hours later I received an alert from XXXX XXXX indicating a new collection was added to my account. I logged in to see that this company had reported it to my credit reporting agency as an unpaid account as of XX/XX/XXXX. As a result my credit score dropped over 34 points causing me delay in trying to purchase my first home. Prior to Friday I had never heard anything from this company. No phone calls or letters. It was not on my credit report until after they got their money. This company reported false information not by accident but knowingly they put false information on my report causing me harm. This company should be fined because they violated the FDCPA LAW which states if a company puts false information on your credit report knowingly this is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. This item is reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

( XXXX XXXX XXXX )
Product: Credit reporting

I 've notified, disputed, and re-disputed to each and all XXXX credit bureau 's to accurately and correctly report that my XXXX was Paid-in-Full. All XXXX bureau 's have XXXX different and varying reports listing paid-less-than-full-balance, collections, or unpaid outstanding balance, which pushed into XXXX XXXX - XXXX XXXX, causing severe and discriminating consequences from a rental apartment company. Additionally, XXXX has also failed to update and/or notify or the XXXX credit bureau 's have failed to update their records citing XXXX60 days late, when in fact that should be XXXXNever Late.
Product: Debt collection

Asked for proof of debt, the companys employees are extremely rude and refused to provide anything for proof. I will not pay someone or something without physical evidence showing I owe a debt. Since then, I have gotten repeated calls from XXXX ( XXXX ) XXXX ( XXXX today at XXXX ). I am beyond frustrated with this company and I truly believe I do not owe this debt. I pay what I owe but this company is definitely breaking laws set in place to protect citizens of this country. I have at this point received well over XXXX calls since XX/XX/year> and they never leave a voice message and they try to hide as much details as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Would you mind investigate this personal information for me - Seems little awkward with certain information? I was going through my personal information on my credit, and I was wondering if you don't mind fixing it to reflect the Identification, social security number, and proof of address I attached to this letter? Can you do me that favor? 

I mean, is there a reason why my personal information on my credit report contains errors? 

Basically, I am looking at my credit report, I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. This is big issue for me - Can you please fix it for me? As far as I know by reading the FTC, FCRA laws and regulations, all others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. Below are the account that need to be removed : XXXX  XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX  account # XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account # XXXX : has violated my rights. 

15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

TeleCheck declined my check not based on money in my account but on their incompetent credit assessment. I have only tried to use a check with a merchant twice. The first time was with XXXX, the second time was today with XXXX, both times declined, both times more than adequate funds in the account.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) 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 has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

The following accounts have been reported as inaccurate : 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

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. 

List of Unauthorized Inquiries : XX/XX/XXXX - 2024-XXXX XX/XX/XXXXXX/XX/XXXX XXXXXX/XX/XXXX- 2024XXXX XXXX XXXX XXXX - 2024-XXXX XXXX XXXX XXXX XXXX 2024-XX/XX/XXXXXXXX XXXX XXXX - 2024-XX/XX/XXXX XXXX XXXX XXXX - 2024XXXXXX/XX/XXXX- 2024-XXXX XXXX XXXX - 2024-XX/XX/XXXXXXXX XXXX XXXX XXXX - 2024-XXXX XXXX - XXXX XXXX - 2024-XXXX XXXXXX/XX/XXXX- 2024-XXXX XX/XX/XXXX - 2024XXXX XX/XX/XXXX- 2024-XX/XX/XXXXXXXX XXXX XXXX - 2024-XXXXXX/XX/XXXX 2024XX/XX/XXXXXXXX XXXX XXXX XXXX - 2024XX/XX/XXXXXXXX XXXX XXXX - 2024XX/XX/XXXXXX/XX/XXXX- 2024XXXXXX/XX/XXXX- 2024-XXXXXX/XX/XXXX- 2024XXXX XXXX XXXX - 2024XXXXXX/XX/XXXX- 2024XXXX XX/XX/XXXX - 2024XXXX XX/XX/XXXX- 2024XXXXXX/XX/XXXX- 2024-XX/XX/XXXX - 2024XX/XX/XXXX 2024XX/XX/XXXX - 2024XX/XX/XXXX - 2024XXXXXX/XX/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 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: Checking or savings account

I just moved to XXXX ohio. I visited the nearest citizens bank branch in XXXX located at XXXX XXXX XXXX in XXXX  OH. I needed to do some withdrawals to pay my staff - XXXX worth of a monthly check. They refused to let me access my money, pretending that the lobby is closed and the bank is also closed. They told me to come back the next day. I asked for the manager XXXX, with no last name, that refused to let me access any funds at all. He threatened to call the police if i did not leave immediately. Laws since president FDR state that clients should have access to their money or find a solution to deliver the funds.Please protect the public from citizensbank, their branches mismanagement, and the attitude of mistrained people.
Product: Bank account or service

Someone took over XXXX from my rush card account. I dont how exactly but i know my money is gone because of a scammer. I never provided nobody with my personal information to my card and i notified my card company in a reasonable time frame and now they are refusing to return my hard earned money. I am XXXX with a XXXX year old daughter with a mother thats not around. Pleaseeee i neeed some help sooo bad because they wont return my insured money threw their bank. I never made none of the transactions on the dispute form and cameras from each location of every unauthorized transaction is my proof.
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 Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, have violated my rights. 

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 4 ) Section states Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; or ( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a veterans medical debt if the date on which the hospital care, medical services, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Auto is showing a charge off dated for XX/XX/XXXX. In XXXX of XXXX, Chase Auto repo 'd my car. The date of last activity by me is XX/XX/XXXX. I have called and spoken with Chase Auto to request a payment history from the beginning of the loan. They stated they couldn't look beyond XX/XX/XXXX which shows a payment of XXXX. I did not send in that payment. My grandmother purchased another car for me the day after they came and got the other one. I submitted documentation and to XXXX on yesterday and called them today at XXXX. I spoke with XXXX to explain the situation about Chase exceeding the reporting limitations. I was told they started over from XX/XX/XXXX instead of XXXX. I asked him if he would pull up the documentations that clearly shows the charge off was not originally started in XXXX. I was then told by XXXX that he would not look at any documentations.
Product: Credit reporting

I pulled up my annual credit report and noticed an address and aliases I have never used. I have never lived in Kentucky nor have I ever used an alias.
Product: Credit reporting or other personal consumer reports

bridgecrest & XXXX XXXX XXXX repossessed my cars and didn't provide me with any information further stating the location of where the vehicle would be, the auction location, I wasn't provided with no important information pertaining to the vehicles. I didn't receive anything in the mail either which I should have and there's different inaccuracies on all 3 credit bureaus & one vehicle was listed as a charge off.
Product: Credit card

After XXXX refused to fix, replace or refund charges they made to my Barclaycard XXXX for some unusable equipment and service that could never happen, I called XXXX to try to open a dispute. On XXXX/XXXX/2015 at XXXX, XXXX , Employee ID : XXXX, took my complaint and said she would be back with a case number. When she returned, instead of giving me a case number, she conferenced XXXX of XXXX on the line. A little way into XXXX and my argument, I realized XXXX had already hung up the phone. I hung up and called Barclaycard back, and XXXX, Employee ID : XXXX tried to get XXXX on the line again. I told XXXX, just like I had told XXXX, that all my attempts to talk and email some sense into XXXX had failed, because all they do is take money. I told XXXX to just open a dispute like other credit card companies do, but she refused. She said all the supervisors were too busy to talk to me. She said I would have to cancel my card to stop XXXX 's monthly billings for nothing. I called back and XXXX, Employee ID : XXXX cancelled my card for me. I explained to him that I would never pay them for the XXXX charges.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged de pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICA OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATIon
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported my Mortgage Late for three months and it was only late for two months. They paid the wrong Home Owners Insurance Company so my homeowners insurance was not active prior to XXXX XXXX XXXX. They are always reporting the wrong amount on my statements and on the credit bureaus and my FiCO Score went down over 50 points because of their reporting the wrong information.