23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have tried to resolve this matter with the creditor but have reach no resolve or even a suitable arrangement. This being on my credit has hindered me from moving forward with my life and has caused major hardship with acquiring employment, finding housing, and re-establishing my credit.
Product: Student loan

On XX/XX/2020, my loan was reclassified as a commercial loan through Navient.com When I called on XX/XX/2020 at XXXX, I spoke with 4 different representatives, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX during one 46 minute call. Three agents indicated that my loan was " coming up '' as a commercial loan. And the last person I spoke with a supervisor named XXXX, at XXXX, she indicated that my loan was indeed a federal loan, but that Navient classifies it as commercial because Navient bought the loan and it is now owned by Navient , so federal laws like the CARES ACT do not apply. 

That is illegal under US law.
Product: Mortgage

In 2004 we were encouraged by a loan officer we knew well at XXXX XXXX to take out a home equity line of credit. XXXX -- no appraisal, no verifications. We actually did 4 more equity lines!! Interest rates increased, values fell!! We retired & have had difficulty paying on these lines although somehow we do it each month. We have begged XXXX for help -- loan modifications ( lower interest rate, reduction in pricipal ) Something!! They acted like they wanted to help but could only offer a possible short sale -- we live off the rent incomes -- how could that possibly help? Please no response from XXXX XXXX, Office of the President -- she has been NO HELP WHATSOEVER!!! Now we receive a letter from XXXX, XXXX XXXX saying our equity line is available & open to use!! WHAT IS WRONG WITH YOU PEOPLE AT XXXX????
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX an inquiry from Capital was placed on my credit report i do not recognize nor did i authorize this action. 

On XX/XX/XXXX an inquiry from XXXX XXXX  was added to my credit report i do not recognize nor did I authorize this action either. 

On XX/XX/XXXX an inquiry from XXXX was placed on my credit report I have already reported this issue and the company said the inquiry would be relieved within 60 days but it is still shown on my credit report.
Product: Debt collection

I HAVE NOT DONE ANY BUSINESS WITH THIS COMPANY NOR I GAVE AUTHORIZATION TO REPORT ON MY CREDIT FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$1400.00}, {$380.00}, {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$380.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : 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: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX Credit Bureaus after I purchased a credit report with XX/XX/XXXX on XX/XX/XXXX, 2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous Accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/02/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected.XXXX XXXX XXXX Balance : {$4600.00} ; XXXX XXXX XXXX FW1859XXXBalance : {$1300.00}
Product: Student loan

In XXXX, my federal loans were transferred from XXXX XXXX ( XXXX ) ( Account # XXXX XXXX XXXX ) to MOHELA ( Account # XXXX ). The transfer was not done properly. 

I had been on an XXXX plan with XXXX for years, and when the transfer to MOHELA was processed, I was incorrectly placed into an XXXX plan. 

At XXXX, my monthly payment was supposed to be around $ XXXX ; however, MOHELA says XXXX now owe approximately $ XXXX. 

In XX/XX/XXXX, I reached out to MOHELA to explain that there was an error in transferring over my loan. I was told that MOHELA would look into it and update my account. On XX/XX/XXXX, MOHELA denied my request and I continue to be on an XXXX plan. MOHELA told me I needed to recertify ; however, no one has been required to recertify since XX/XX/XXXX. 

My goal is that I be placed back into my correct XXXX plan and continue having the same payment as I had as of XX/XX/XXXX when student loan payments were paused.
Product: Debt collection

On XX/XX/XXXX I received a alert on my credit file of a medical collection from a company named Collection Associates for a XXXX XXXX Hospital. There are XXXX separate collections on my report from them XXXX in the amount of {$210.00} XXXX in the amount of {$370.00}. I did not think I owed any money to them so I called them. They asked for my social security number and name. The representative said I have NO record of you owing us any money. I said well can you remove the XXXX collections from my report she said nothing she can do because she has no record of me owing any money. So i called my bankruptcy attorney he said to give you guys a call to resolve this issue ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted information to experian through their upload portal. The information was what I was told I needed to do and I followed the exact instructions from the FTC site. My information was compromised several times in either a breach or unfortunately identity theft. Please see attached. I've also mailed in this same information before and never recited a reply.
Product: Debt collection

They are trying to collect on a debt that isn't mine. I have tried calling and writing the companies to remove the information from my credit report but have had no luck.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Current Address ( es ) : 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 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: Consumer Loan

I am an Amazon Prime customer & I purchased a massage chair 45 days ago via Amazon Prime. The purchase price was {$2200.00}. When I was making this purchase a pop-up ad appeared offering 12 months same as cash financing if I applied for an Amazon Prime charge account. I applied & was approved for this account which it turns out is offered via Synchrony Bank in XXXX, OH. 2 weeks after the purchase I attempted to make a payment on my Synchrony Bank account online. I got a message saying I needed to call an XXXX # so I did. The XXXX # was answered by Synchrony Bank 's Customer Service Department. The agent told me I needed to verify my identity because someone at Synchrony had placed a Fraud block on my account. After answering 5 minutes of? 's the agent refused to let me make a payment. He put me on hold for 10 minutes & then told me that his Manager said that I needed to make a copy of my Drivers License, write my account #, date & sign it & mail it to Synchrony Bank in a XXXX, OH. I told the phone agent that it was crazy to me that he would n't let me make a payment on my account. I asked him who commits fraud by making a payment on an account? He could n't answer my?. He proceeded to give me a 2 minute disertation about Synchrony Banks Fraud policies. The next day I made a copy of my Drivers License, signed & dated it & wrote my account # & mailed it. Yesterday I tried again to make an online payment & got the same message telling me to call an XXXX #. I called the Synchrony Customer Service Department last night & the agent ( XXXX ) gave me the same FBI interrogation that I got 3 weeks ago. He refused to let me make a payment so I asked to speak to a Supervisor. The Supervisor admitted that Synchrony received the copy of my Drivers License I mailed 3 weeks ago. She said my account was under 'investigation '. I about fell out of my chair in disbelief. I asked her how I was OK to get approved by Synchrony for a {$3000.00} Amazon Prime account but I am not OK to make a payment on the account? She placed me on hold for 10 minutes & then told me she would create a XXXX call with a payment agent that could take my payment. After I made my payment the Supervisor said in order for Synchrony to remove the Fraud block on my account i needed to make a copy of a recent utility bill & mail it to the same XXXX XXXX XXXX XXXX, OH where I sent my Drivers License. I told her that I was n't going to waste anymore time sending Synchrony Bank ID docs. I told her I was going to file a complaint against her company & their Gestapo tactics. She told me that there was a late charge on my account & I asked her how that could be when I have n't received any statements or emails telling me how much I owe. I also reminded her that I was supposed to receive 12 months same as cash. She told me she could n't discuss my account because of the Fraud block. This is the most insane thing I have ever seen in my XXXX years on this planet. Help!
Product: Debt collection

I called ERC to get more information about a debt that is not mines. I explained to the company that I do not recall ever having this debt. I asked them for more information about the debt and they explained to me that if i did not recall ever seeing this debt then they would not send me information pertaining to the debt and I needed to file a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the 3 credit bureaus about incorrect inaccurate information reporting on my reports and have gotten no resolution. I have asked several times to provide me with method of verification and I do not receive it. I have disputed Bankruptcy information on my report that they refuse to investigate or remove.
Product: Checking or savings account

XXXX. A check was washed for {$85000.00} XXXX. Chase " the cashing bank '' Says it was counterfeit XXXX. XXXXXXXX XXXX my bank intuition states it was altered XXXX. Chase denies to avoid reimbursing my funds XXXX. XXXX XXXX will not challenge Chase. Quote " We are to small to go up against Chase '' XXXX. No legal firm wants to challenge Chase XXXX. I have been told this is what Chase does to avoid paying for a error they made. 
XXXX. I don ' t trust Chase, I need a neutral party to confirm Chase it not lying to me and prove them incorrect.
Product: Debt collection

I sold and shipped a mountain bike to the buyer. It was delivered XX/XX/22 3 months after delivery the buyer opened a case via XXXX. 
I provided Tracking # and proof of delivery to XXXX and XXXX decided the case in my favor ( seller ) On XX/XX/22. Pictures of the bike were also provided. 

A few weeks later a chargeback was filed by the buyer. Wouldnt the buyer have raised issue with the transaction at time of delivery. Not 3 months after? 

Its been 6 months since I sold the bike. 
I received a collections letter today. 

How is this legal? I sold and delivered ( shipped ) the bike exactly as described. The buyer received the bike in satisfactory condition, has been using the bike. The buyer has the bike still and has scammed his money back from the credit card company which is now sending me collections letters even though XXXX decided in my favor. It was an expensive bike, nearly {$5000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 or 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, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate personal information on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand this inaccurate personal information be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be " INACCURATE ''. XXXX. INACCURATELY REPORTING XXXX Account numberXXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR XXXX. INACCURATELY REPORTING XXXX XXXXXXXX Account number : XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR XXXX. INACCURATELY REPORTING XXXX XXXX XXXXXXXX XXXX Account XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR XXXX. INACCURATELY REPORTING XXXX XXXX XXXX  Account number : XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR XXXX. INACCURATELY REPORTING XXXX XXXX XXXX XXXX number : XXXX  VERIFY ACCURACY WITH ORIGINAL CREDITOR By the provisions of the Fair Credit Reporting Act, I demand that these 'ALLEGED '' items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.
Product: Credit reporting or other personal consumer reports

Upon checking of my credit report, I noticed that there are a lot of inquiries I don't recognize. I never gave these companies permission to pull up my credit report, applications were done in my name- I don't know what they're doing with my information or how they managed to get it without my authorization, it's seriously stressing me out it's taking a toll on my mental health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out XXXX 2015 that i was a victim of id theft. I contacted all bureaus and the IRS to inform them of the fraud. Both XXXX and XXXX have cleared me of all credit cards that were fraudulently open. XXXX is the only company that continues to deny my request. They continue to report a chase card that i never had. I have sent numerous amounts of dispute which all included copies of my Id and SS card to prove my identity. I have also had numerous conversations with the company informing them that i am the 3rd generation, and the birth date and address that are associated with the fraudulent cards all seem to represent my father 's info with my social. The year that the cards were open i was a minor and was n't even aware nor was i old enough to establish credit.I am tried of fighting this with XXXX. please help me with this because it has been going on too long.
Product: Credit reporting or other personal consumer reports

have been disputing this debt for months due to several inaccuracies. By law, correct and valid information should only be reported. 

This is in violation of codes : 15 USC 1681e ( b ) 15 USC 1681i ( 5 )
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband had the credit card since XXXX with XXXX XXXX. In XX/XX/XXXX bank reported him XXXX. 5 month later in XX/XX/XXXX after being married in XX/XX/XXXX he added me as an additional authorized user. I never have used the card. The bank is reporting me 30-days-late on the account for XXXX. I did not have the card in XXXX. There is no way I could of been late as I did not have a card or no oblid=gation to pay. I have asked the bank and the CRA 's to remove the account. They have failed to do so. This is inviolation of federal and state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit at my credit union and the application was declined, with a reference to Equifax credit bureau reporting. I called the phone number referenced in the decline letter. A pre-recorded message advised of a website - www.equifax.com/fcra - that could provide an online report. However, when I filled in the information requesting the report a response was provided which advised that " Online Delivery Unavailable '' further advising me to contact them at XXXX. 

XXXX is an automated line, with no option to speak with an agent. Obviously, I wanted to speak with a human so that I could determine why my online request was denied. 

So I then went to the main Equifax website and found a support phone number - XXXX. This number was routed to a call center in XXXX. The agent immediately requested my Social Security Number - for the record I am not comfortable providing my SSN to call center agents outside the US, there should be a law against call centers outside the US collecting SSN.

Regardless, after providing the agent my SSN the agent directed me to XXXX and advised that I could get my credit report there. This is fraudulent, as XXXX provides one free annual credit report as required by law. Whereas I'm entitled to a separate free credit report having been declined credit. Using XXXX would have inappropriately used my one free annual report instead of the free report I'm entitled to having been declined credit. 

After explaining this to the agent, I was redirected to a call center in the XXXX where the agent again requested my SSN ( see comments above regarding providing SSN to call centers outside the US.

Reluctantly I again provided my SSN. This prompted a long list of  questions regarding my personal credit history. Many of these questions were nebulous and required my to provide far more personal credit history than was needed to verify my identity. Instead of asking open-ended questions about my credit card payments, the agent should have asked yes or no questions such as do you have an account with xyz with monthly payment of xxx.xx?

Finally I was advised that a credit report would be mailed to me via the USPS and arrive in 7-10 business days - not very helpful as I need the denial information NOW. 

This entire process was deceptive, convoluted, inaccurate, unnecessarily lengthy and required disclosing sensitive personal information including PII, credit card information, and other data to entities outside the US.

It is outrageous that this is the best the credit bureau companies responsible for US citizen 's person financial information when it comes to reporting on declined credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

disputed with the three credit bureaus and transunion and experian have yet to remove these items i do not have a account with them nor do i owe them anything. I have been disputing for months. I have listed the accounts below Identity Theft XXXX  Account Number : XXXX balance : {$4300.00} Theft XXXX  Account Number : XXXX balance : {$8400.00} Theft XXXX  Account Number : XXXX balance : $ XXXXTheft XXXX  Account Number : XXXX balance : {$4300.00} Theft XXXX  Account Number : XXXX balance : {$1400.00} Theft XXXX  Account Number : XXXX balance : $ XXXXTheft XXXX  Account Number :
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a bankruptcy on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account US BANKRUPTCY XXXX Please investigate and provide Proof OF BANKRUPTCY. If proof can't be provided I demand this bankruptcy be removed.