23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I filed bankruptcy in XXXX and XXXX and the student loans still showing up on credit report with a balance that I was unaware of after filing for the students loans to be removed after filing the unforgiveness back in XXXX or XXXX.
Product: Vehicle loan or lease

I owed a balance of about {$1900.00} on my {$20000.00} car loan in XXXX  after XXXX XXXX  from a car accident. 
I had trouble with the last 4 or 5 payments of my loan ( {$390.00} each ). 
I asked Wells Fargo for help or advice because I might file bankruptcy and they responded by adding large charges to my account and started repeated collections calls. 
I was able to sell the vehicle at a profit but they refused to release the title and then illegally repossessed the XXXX with my personal items in it. 
They sold it at a profit but continued to charge me their total balance due over {$4000.00}. 
They reported that to all 3 credit reporting companies. 
I called Wells 3 or 4 times about the credit reports and the balance from the XXXX sale without getting any help. 
I was finally able to convince the credit bureaus to remove Wells Fargo from my credit reports. 
I then called Wells Fargo again about the money they owe med from the sale of the XXXX and they responded by putting their item back on my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX, DOB- XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A secured loan opened at XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX under the the account number XXXX, A charge card opened at XXXXXXXX on XX/XX/XXXX under the account number XXXX, A secured loan opened at XXXX on XX/XX/XXXX under the account number XXXX, A charge card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, A debt buyer opened at XXXX XXXX XXXX opened XXXX XX/XX/XXXX under the Account number XXXX, A debt buyer opened at XXXX XXXX XXXX on XX/XX/XXXX under the Account number XXXX, An installment opened at XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX under the Account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following fraudulent inquiries appearing on my credit file. These inquires are unknown to me and should be considered as fraudulent. Remove these unauthorized inquires immediately. 

XXXX ) XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit card

On XX/XX/year>, Bank of America informed me by email that I had submitted an application for a credit card. I had not, and contacted them. They did not issue a credit card due to my credit freeze, but they informed me that my social security number and birthday were provided to them in the application. 

On XX/XX/year>, I requested my rights under the FACT Act section 151 to obtain a copy of the fraudulent application. Unfortunately Bank of America makes this process unnecessarily onerous. Instead of emailing me a PDF of the application, they insist on mailing it to me. As well, they insist on my returning the notarized application by mail as well, instead of dropping it off at a local bank branch or submitting it electronically.

I did receive the paperwork which I promptly returned. But 30 days later -- the legal limit -- I had not received any reply. I contacted them and they said that they had not received my application, but they agreed to send me a new application so that I could try again. 

It is now almost a month after that phone call. I have not received a new application. The person I spoke to on the phone was unable to give me any status updates of any kind. All she could do is say that she sent an email to a back office requesting that they send me the application again. 

I no longer believe that Bank of America intends to comply with the law. My request is simple : send me a copy of the application for the credit card. There's no reason I can't simply pick this up from a local bank branch. There's no reason they can not simply mail it to the home address for me that they have on file. Hiding behind a back office that no one can speak to, not even their own representative at a phone number dedicated to handling FACT Act requests, provides me no confidence that I can resolve this without assistance.
Product: Bank account or service

The bank for my small business reorders transactions in order to be able to charge overdraft fees of $ XXXX- {$36.00} each. The option for 'overdraft ' protection is only offered if we go into the branch office although every other service is offered online. The fees we have incurred in the last 45 days have been approximately XXXX even though according the banks own accounting there were sufficient funds to cover the withdrawals.
Product: Debt collection

I am continuously being called about a debt that I do not recognize. I have asked the company to provide a proof, they mention that they will send it out however I did not receive it. And the calls continue to be made and they claim that they will send out the information. 

This is becoming quite irritating.
Product: Credit reporting or other personal consumer reports

This is an uncompromising CFPB complaint demanding urgent and immediate action. Under the strict and non-negotiable provisions of FCRA 605B ( 15 U.S.C. 1681c-2 ), Experian is ordered to block and remove the fraudulent information on my credit report within an inflexible deadline of four business days upon receipt of this complaint. The fraudulent accounts, which must be eradicated without hesitation, are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts have resulted in unauthorized hard inquiries and false collections tarnishing my FICO credit report. I emphatically reject any insinuations that I authorized these accounts, emphasizing that they are irrefutable evidence of identity theft and fraud. Enclosed is the FTC Identity Theft Criminal Complaint ( # XXXX ), undisputed documentation from the U.S. Federal Trade Commission proving the fraudulent nature of these accounts, collections, and inquiries. Failure to act with immediate and decisive force to block and obliterate this fictitious information from my credit report will not be tolerated. Should Experian fail to respond within the stated time frame, be prepared for relentless and aggressive legal action to enforce my rights under the FCRA. This is a final directive, not a request.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

I would like the late status for the rating to be removed from XX/XX/2010 as 30 days. So that my account truely reflects what it should.
Product: Credit reporting, credit repair services, or other personal consumer reports

review the following accounts that appear on my credit report, they are hurting me, they do not belong to me.

dentity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine.

6. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine.

8. Identity Theft DEPT OF ED/XXXX Account Number : XXXX This is not mine. 

9. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft DEPT OF EDUCATION/XXXX Account Number : XXXX This is not mine.
Product: Debt collection

The debt was paid through this agency and they said it would be removed and that has yet to happen. They updated the account as paid in full but was supposed to delete. Also said they would fax a paid in full letter that has yet to arrive.
Product: Credit card or prepaid card

Unfair, deceptive, and abusive practices. Changing corporate policy with clear political agenda.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this complaint against Equifax, I have tried to resolve and handle this issue through Equifax, unfortunately several times I spoke with there reps, unprofessional, I was hung up on and no help I have over 54 inquiries on my credit report I want these credit inquiries removed I have filed a FTC Identity theft report about this issue I am not going to list all these inquiries because I found them in my credit report and I want them removed and i am disputing them as fraud, but do not place a fraud alert as I have a credit lock I will be using, I will take screen shots off my credit report of the inquiries, I do not recognize these inquiries at all, Equifax needs to have better customer service in place where people know consumer law, anything I dont recognize on my credit report, i want these removed I have filed numerous complaints and Equifax is ignoring to anything I even have monitoring and fraud resolution specialist but Im ignored about that, I want this resolved or I will keep filing complaints until this is resolved and these inquiries might be one or more if the same, I counted 54 inquiries I want removed off my report I did not ask for these inquiries and I would like them removed and my report corrected .thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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.In accordance with FCRA, I am requesting this account to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Call company asking when and where card was applied for what city, date and where was card mail to and where was card used I did not open this card
Product: Credit reporting, credit repair services, or other personal consumer reports

First off does the CFPB have any actual power because all I have done is fill these stupid reports out and get a nasty response from the credit reporting agencies and creditors directly. I want to know exactly what power the CFPB has because if I am spinning my wheels here wasting my time sending in complaint after complaint and all you people do is forward them to some not even middle management idiots. Your agency is an utter waste of taxpayer dollars and should be shut down ASAP. Having said that here it is one more XXXX  time.

I am including pdfs of everything for evidence because Equifax 's site is so screwed up it will not take uploads for documentation. I have asked the XXXX candidates to fix my report. Almost every account is reported 4 or 5 times. That is XXXX. Then you can't actually attach or upload anything because their site is XXXX UP. When you call into the " HELP CENTER '' they are about as helpful as XXXX on a bull. Off-shored and the English is barely understandable. Let 's see what the brain trust at CFPB can do this time around. I have asked EQUIFAX to update my XXXX bank account and of course, they claim to investigate which is XXXX. I fax them in documentation which they clearly use as toilet paper. So here is what I sent them, see if you can get these XXXX to fix the stupidity that is.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I XXXX have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

IT IS ILLEGAL TO PLACE A CHARGE OFF ON A REPORT. SEND XXXXXXXX XXXX TO DEBTOR. YOU CAN NOT REPORT A LOSS TO THE IRS AND STILL TRY TO COLLECT NO KNOWLEDGE OF ACCOUNT PLEASE REMOVE AND SUPPRESS. SEND XXXX TO DEBTOR IS NOT REPORTING ACCURATELY ACROSS BUREAUS, REMOVE IMMEDIATELY REPORT ATTACHED UPDATE AND SUPPRESS NEGATIVE INFORMATION I BEG SOMEONE IN CFPB TO INVESTIGATE HOW HARD IT IS TO GET TO YOUR ONLINE ACCOUNT UNLESS YOU ARE PAYING LIKE XXXX... WE HAVE TO PAY TO SEE OUR OWN SO CALLED DATA. I AM SICK OF THIS. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Product: Credit reporting or other personal consumer reports

Okay so apparently theres an account reporting on my credit that doesnt belong to me. im seeking validation of debt. I havent owned a vehicle in years, evidentally theres some type of data issue. Im asking for an immediate removal of this account from my credit. 

ACCT # XXXX XXXX
Product: Prepaid card

I am a XXXX woman with XXXX XXXX in XXXX of last year my card was hacked for {$110.00} all at the XXXX XXXX XXXX for video game purchases I do not play video games I said and they denied my claim okay and then I found to purchases from XXXX that I have no record up in my purchase history XXXX in XXXX and XXXX and they agreed with that sent them the paperwork stating they backed my claim they gave me the {$440.00} back but actually it was {$480.00} and just yesterday they took that money back which will no notification which left me unable to pay my rent and take care of my therapy pets I'm arguing with them because they're saying it's a dare denied the claim and I'm not the only person that has been hacked between XXXX and XXXX XXXX people in my complex ( I live in XXXX XXXX  ) were hacked and they refused all their claims a good friend of mine was hacked 2 months in a row now XXXX needs to do something about this and this company refuses to pay anybody back even if the claim is founded I'm on XXXX it's all the money I get under done giving me the money back and then turning around and taking it with no notification has left me in a very bad position for this month and they don't care if you would like to talk to me further about this my name is XXXX XXXX my phone XXXX XXXX XXXX
Product: Student loan

My original loan was for {$8000.00} with XXXX XXXX in XXXX. It 's XXXX and the now Navient says that I owe them over {$10000.00}. The loan has been paid in full years ago, with over {$15000.00} paid to the company. The problem with this loan, and I 'm sure all of the other loans with other customers, is that they apply 98 % to interest and 2 % towards the principle. This is XXXX of the if not THE biggest banking scams in history! I have tried to settle with Navient and they are not willing to work with me at all. They want all of the funds or else. I have been treatened, harassed, and taunted via phone calls from Navient Reps. I want to be rid of this company once and for all!!! Navient has also reported false info to the credit bureaus and nothing has been done about that either, dispite my claims and complaints.
Product: Student loan

Nelnet has conflicting information reported to XXXX, XXXX  and XXXX  regarding late payments on my account. I have three Nelnet accounts on my credit reports. XXXX  is reporting 10 late  payments on all three accounts. XXXX  and XXXX  are reporting 5 late payments on all three accounts. If my accounts are reported to all three bureaus, then the information should match.
Product: Credit card or prepaid card

XXXX XX/XX/2022, we submitted the online form to have the cash value of points direct deposited to a checking account. When this did not happen, we made multiple phone calls, received conflicting information about how long it took, and finally, at the suggestion of a supervisor, filed a dispute that was confirmed by a letter from Comenity on XX/XX/2022. This gave the bank 90 days to resolve the issue. We received a letter in XXXX, dated XX/XX/XXXX, that says " We are currently working to resolve this issue and append the points used back to your account. When this did not append, I called on XX/XX/XXXX and spoke to a supervisor again and was promised resolution. I followed up on XX/XX/XXXX and spoke with a supervisor and a manager who also promised resolution. Since it has been over four months since the original form was filed, we have little hope that Comenity will willingly give us the money owed through the points program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I begin to investigate my consumer report after hearing about the major agencies neglect in reporting inaccuracies and incomplete information on consumer reports. My investigation found several inaccurate and incomplete accounts reporting. I challenged the data furnishing agency XXXX, EQUIFAX, AND XXXX about the inaccurate and incomplete accounts and was told the accounts from all three agencies were reporting accurate and complete when in fact they didn't do any investigating. had a proper investigation been done they would have noticed the incomplete and inaccurate data.1. XXXX has three different accounts number after being made aware that the accounts were reporting wrong. 
2.Tennessee dept of human svcs, is also reporting three different account numbers after being made aware and also the last date of payments is different on two and missing from one when its mandatory that it report. 
3. XXXX XXXX XXXX XXXX, is reporting three different last date of payment also no last day of activity is reporting when is mandatory and the account numbers are also three different numbers how could that be if a PROPER INVESTIGATION WAS DONE PLEASE REFER TO ATTACHED DOCUMENTS.