23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have never received any information regarding this debt. No mail, no contact to validate. I have submitted multiple investigations to the bureaus because it just suddenly appeared on my credit report. After submitting first investigation, they added it to another bureau and after disputing that one, they added to the third bureau. I am at a loss here for how they could report something on my credit and not be able to send me any validation of this debt? The company is Midwest Recovery Systems. Also they are reporting an opening date for the account as last month and that is not possible. I have a clean and clear good credit report. No defaults or delinquencies.
Product: Vehicle loan or lease

I had a car accident XX/XX/2018. After the accident I contacted my insurance for car repairs. The insurance sent out a check with the amount of {$8800.00}, my name and XXXX XXXX name were on the check. XXXX XXXX  has a complicated process. The body shop where my car is being prepared and held at, has to send XXXX XXXX proof of photos, invoices, and vehicle preparation proof. After the proof is sent through mail, i would have to wait a few days or weeks for XXXX XXXX could sign and send the check to the body shop. The problem was that XXXX XXXX sent the check out to the wrong address! After I waited for about 2 weeks, I decided to call XXXX XXXX and was told that they had made a mistake. Which was that they sent the check out to the wrong address. The check never appeared!! I had to then call the insurance to tell them what had happened. They had canceled the check, that was never found, and send another one to my personal address. After i received the check i was then told to send it back to XXXX XXXX as an overnight shipment. Then once again told me to send out the same documents i sent in the first place : invoice, photos etc. While this process is happening, I am being charged a daily fee for the car being held at the body shop until they receive and clear the check from the car repair. They do not allow me to send any of these proof documents through fax. I was told to send them through overnight shipment to speed up the process. I shouldn't even be paying for these things! I want my money back! This was their fault. Issues like this should be fixed! My car has been in the body shop for over 2 months. I have been having to rent out vehicles so i could be able to work and pay my bills.
Product: Credit card or prepaid card

XX/XX/XXXX, purchase made for airline tickets with a NETSPEND prepaid card... We cancelled the same day and it was to be refunded. They have had it on hold/ pending for 2 weeks! We have contacted them multiple time with proof that they voided the transactions.. We even gave them the letter from XXXX XXXX and they still say it isn't enough. An airline would never pend a charge for two weeks they want their money right away. They refuse to release the funds back to us so we can make another purchase. We want our money back .... Netspend worst company ever they literally have purchased money held up ....
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting the account with XXXX inaccurately on my credit report. Upon reviewing my credit report, I did not recognize this account. I initially sent a request for Transunion to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After four different attempts, they have failed to provide me proof of this account. I have disputed this information four times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information Transunion is reporting does not match the information being reported by the other credit agencies. They still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.
Product: Credit card

In XXXX of XXXX, XXXX XXXX began building a porch on our house. We tried paying him the final payment. We used our Barclays card. We tried using it but it kept declining the transaction. We had 5 temporary charges for XXXX and one charge for XXXX. I called Barclays and explained the situation. 4 of the charges were taken off as well as the XXXX but one charge of XXXX still remained. At this point, I could not reach XXXX XXXX and continued trying to locate him for 6 months. I assumed he had scammed us, and I was trying to seek fraud, or criminal charges ( I later discovered that he was sick and in the hospital. ) I filed a dispute at this time with Barclays in XXXX of XXXX. During this time, I provided Barclays with all the proof that the {$5000.00} was not owed to him. ( Cashiers check, Contract, There was also a charge filed against him through the Attorney General of Ohio so I submitted them the info as well ). 

Skip ahead to the Spring of XXXX, I finally was able to contact XXXX XXXX. He explained his situation about being sick, having major XXXX XXXX, and recovery. I explained to him my predicament with my credit card. He explained that he was called by Barclays while in the hospital in the Summer/Fall of XXXX. He told Barclays that we did not owe him the XXXX or the XXXX. I called XXXX and explained to them the situation. We had 3 3-person calls with XXXX where XXXX explained as did I, that XXXX was taken out of his account while the charge was in dispute with XXXX but XXXX the dispute was closed the charge was put back on my card. The charge is still on my account and when I called today, I was told that the case will never be opened again. 

Im out XXXX. I know Barclays can throw around money and XXXX is nothing to them. However, it is a lot of money for me. Ive spent countless hours on this dispute, taking days off of work to focus on this since the wait to be helped at Barclays is always long. The stress this has caused is beyond what should be experienced for anyone. Please help.
Product: Student loan

I went to ITT tech Norwood  navient lied about jobs I couldnt get job
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following information is being reported Inaccurately and I am requesting that all items listed below be DELETED Immediately since I have been requesting them to be removed for more than twelve months. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax is reporting the following items incorrectly. I filed a police report for identity theft and have also requested these companied to seize all communications but are still communicating via credit reporting company Equifax. Under the 15 US Code 1692 -C ( Ceasing communications ) Equifax is violating my rights by reporting the following items. 

XXXX. XXXX XXXX XXXX Account XXXX XXXX. XXXX XXXX Account XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXX. XXXX XXXX  XXXX Account XXXX Please have Equifax remove these immediately as it is a violation of Federal law 15 US Code 1692 - C.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Consumer and natural person am a victim of identity theft. Experian, has used and furnished my consumer report without my authorization, consent or written instruction. They have neglected my rights as a consumer by allowing companies to to share my non public personal information without my consent, as well as using that information to furnish a fraudulent consumer report on my behalf. Congress makes it clear that as a consumer i have a RIGHT TO PRIVACY. This credit reporting agency also known as a financial institution has violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information. Experian is in direct violation of 15 USC 1681e ( b ) which states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible accuracy of the information concerning the individual about whom the report relates, in which Experian failed to do this. Experian is in direct violation of 15 USC 1681b regarding permissible purposes of consumer reports, in which I have not authorized, signed or given any direct instruction for Experian to report these inaccurate and fraudulent accounts on my consumer report. Their Wilfull noncompliance which is a direct violation of 15 USC 1681n has caused me actual damages. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. Experian is in direct violated of the FCRA law 1681s-2 by not holding up to its duty when furnishing consumer reports. Experian is in direct violation of numerous laws under the FCRA and is also in direct violation of the Gramm Leach Bliley Act of 1999.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 
Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax Mortgage Ser Inquiry on XX/XX/XXXX and XX/XX/XXXX I dont recognize this company and this was done without my permission/consent. 

XXXX XXXX  XX/XX/XXXX I dont recognize this company and this was done without my permission/consent. 

XXXX XXXX XX/XX/XXXX I dont recognize this company and this was done without my permission/consent.
Product: Credit reporting or other personal consumer reports

For XXXXXXXX XXXX XXXX XXXX open XX/XX/XXXX with a balance of {$9800.00}, I informed all 3 credit bureau and only XXXX complied. XXXX and Experian and XXXX XXXX have not yet removed the information after several disputes and complaints. 
For XXXX  XXXX XXXX XXXX open XX/XX/XXXX with a balance of {$4700.00}. I have informed all 3 bureaus and none of them have complied and are still reporting it. they have not removed the information after several dispute and complaints. 
For XXXX XXXX open XXXX XXXX XXXX with a balance of {$380.00}. I have informed all 3 bureaus and none of them have complied and are still reporting it. they have not removed the information after several dispute and complaints. 
For XXXX XXXX XXXX open XX/XX/XXXX with a balance of {$720.00}. I have informed all 3 bureaus and none of them have complied and are still reporting it. they have not removed the information after several dispute and complaints. 
For XXXX XXXX XXXX XX/XX/XXXX with a balance {$23000.00}, I have informed all 3 bureaus and none of them have complied and are still reporting it. they have not removed the information after several dispute and complaints.
Product: Debt collection

World Finance Corporation This Debt Was Settled For Less Than Original Amount And This Company Promised To Report And Remove From All Credit Companies
Product: Credit reporting or other personal consumer reports

Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy as the Fair Credit Reporting Act clearly states. I did not provide written consent to report the accounts listed below. Due to your violations, I will take legal action and submit a complaint for small claims for default judgement, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand VALIDATION and VERIFICATION of this alleged debt. If proof can not be provided, I demand these items to be removed from my account. 
Please see attached documents below for the reference item : XXXX [ XXXX ] XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy, Case Number : XXXX
Product: Credit reporting or other personal consumer reports

i pulled my Experian credit report and noticed a credit card that was opened in my name.
Product: Debt collection

I don't owe anything to ONLINE IN SV ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) with account number XXXX. They should have confirmed this from the Original Creditor since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'd like to report an identity theft in my credit, there are inquiries and an accounts that do not belong to me .Please help me to remove these items from my credit report, they have cause great harm to my ability to get credit.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

MY STUDENT LOANS ARE WITH XXXX XXXX XXXX.  IN XX/XX/XXXX, I STARTED WORKING FOR THE XXXX XXXX XXXX.  MY COWORKER TOLD ME ABOUT THE STUDENT LOAN FORGIVENESS FOR CIVIL SERVANTS WHO MAKE 120 PAYMENTS WHILE A CIVIL SERVANT.  I ASKED HER IF SHE CALLED ABOUT IT TO VERIFY, SHE SAID THAT SHE HAD NOT.  THAT DAY, I CALLED MY BORROWER TO ASK ABOUT THE PROGRAM.  THEY ASKED WHERE I WORKED, I TOLD THEM AND THEY SAID THAT YES, AFTER TWN YEARS OF PAYMENTS, OR 120 PAYMENTS WHILE EMPLOYED WITH THE AGENCY, I WOULD QUALIFY FOR STUDENT LOAN FORGIVENESS.  AWESOME.  THEN IN XX/XX/XXXX, I CALLED AGAIN TO INQUIRE IF GOING ON XXXX LEAVE WOULD AFFECT THE PROGRAM ELLIGIBILITY.  THEY SAID THAT WHILE, NO, IT WOULD NOT, I DID NOT QUALIFY SINCE MY LOANS WERE NOT CONSOLODATED A CERTAIN WAY.  I WAS SO UPSET.  I ASKED ABOUT CONSOLODATION.  THE LENDER TOLD ME THAT I NEEDED TO GO ON A PAYMENT PLAN THAT WOULD TAKE MY STUDENT LOAN PAYMENTS FROM $300 (SOMEWHERE IN THAT NEIGHBORHOOD) TO NEARLY $900!  I AM A XXXX XXXX, MY HUSBAND IS MILITARY.  WE COULD NOT AFFORD THAT.  ESPECIALLY AFTER HAVING JUST HAD A NEW XXXX AND HAVING TO DEAL WITH ALL THE COSTS ASSOCIATED WITH THAT.  HEARTBROKEN, I ACCEPTED WHAT THE LOAN OFFICER SAID AND HUNG UP THE PHONE.  THEN I DECIDED TO CALL AGAIN IN XX/XX/XXXX, THAT LOAN OFFICER HAD ME COMPLETE THE OMB NO XXXX OR THE PUBLIC SERVICE LOAN FORGIVENESS EMPLOYMENT CERTIFICATION FORM.  I SENT IT IN WITH MY WAGE VERIFICATION AND CONSOLODATED MY LOANS UNDER AN INCOME DRIVEN PLAN.  FOR SOME REASON, THIS LOAN OFFICER SAID MY PAYMENT PLAN WOULD BE ONLY $XXXX, HALF WHAT WAS QUATED TO ME TWO YEARS PREVIOUSLY.  THAT WE COULD AFFORD.  SO I SUBMITTED EVERYTHING AND MY PAYMENTS WENT UP.  I JUST CALLED AGAIN IN XX/XX/XXXX AND FOUND OUT THAT I AM STILL NOT ON THE PROGRAM.  THE LOAN OFFICER INFORMED ME THAT I NEED TO RECERTIFY MY EMPLOYMENT (WHICH I WILL DO) BUT MENTIONED I NEED TO BE DOING THIS EVERY YEAR.  NOBODY MENTIONED THIS TO ME AT ANY TIME NOR HAVE I RECEIVED ANY MAILER TO THAT EFFECT.  I WORK FOR A XXXX XXXX, WE "RECERTIFY FOR BENEFITS" EVERY DAY.  WE SEND NOTICES, WE SEND THE FORMS, WE SUSPEND IF WE DO NOT HEAR BACK.  THIS XXXX WILL MAKE 8 YEARS OF XXXX XXXX, 8 YEARS THAT SHOULD HAVE QUALIFIED FOR STUDENT LOAN FORGIVENESS.  I HAVE NEVER BEEN LATE, I HAVE ALWAYS PAID ON TIME.  I WANT THOSE YEARS, AND THOSE PAYMENTS TO MATTER.  I DON'T WANT SPECIAL TREATMENT, I ONLY WANT WHAT I AM ENTITLED TO UNDER THE LAW.  PLEASE ASSIST IN THIS MATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED

MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT
ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Debt collection

We receive calls from this business for months. They do not leave any message, or reason for calling. Finally I called them by using caller ID. They are looking for someone I do not know, and they are a collection agency. 

I pay all my bills promptly, and do not deserve to be harassed for someone else 's debts. 

The collection industry is XXXX I have avoided for XXXX years. I do not want to hear from any of them ever. They are ruining my mornings. 

Why are they allowed to do that? The Do Not Call rules appear to give them permission. How come?
Product: Credit reporting

Equifax is stating that the information on the public record is accurate and closed the dispute. I know the information is accurate. My issue is that I filed a Chapter XXXX bankruptcy in XXXX XXXX, which means XXXX XXXX it has been 7 years and should be removed. XXXX and XXXX both have complied and cleared my record. When I called Equifax , I was told that because my Chapter XXXX was dismissed and not discharged, I have to wait 10 years for it to be removed. I have called and consulted with several bankruptcy lawyers and all have told me that the rule is 7 years for a Chapter XXXX.
Product: Credit reporting

I went through XXXX to dispute my credit reports with XXXX and Equifax. 
XXXX removed a credit card account that then showed up on the Equifax report, which was n't there before. The credit card dispute is for a XXXX account that was closed in XX/XX/2004. 
I called Equifax directly to dispute both employment information and the credit card account. They told me over the phone that they could not remove it. I filed this complaint. I also called XXXX directly and requested they contact the reporting agency to tell them to remove it. XXXX stated it could take up to 20-30 days to see any changes. They stated they would contact XXXX reporting agencies to resolve my issue. 
What I learned today, is consumers must call the creditor and have them authorize and demand removal of the credit discrepancy if the reporting agency is unwilling to do so. Otherwise there is a large law suit and call for consumer action activists. 
The problem with the employment information is there is no automated selection or choices to remove old employment information. This needs to change. 
I have now spent an entire day to clean up my credit report. 
I do not have the file associated with this account because it is so old I destroyed it. XXXX still had me on their system. Unbelievable. I was also just told by a XXXX agent that they are required to keep report our accounts for 10 years, yet web site stated it is only 7.5 years. WHO is RIGHT? What is the time credit reporting time frame for our information?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a account on my credit report which is a chase card that XXXX is reporting as a charge off and failure to pay certain months. This account is not a charge off as it has been paid in full. XXXX will not update my credit file correctly. 

The account is a XXXX card with the address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX Address is XXXX. XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I am grateful that the XXXX XXXX has successfully eliminated all the reported fraudulent inquiries from my XXXX credit report. However, Experian still has not removed two remaining inquiries from my credit file, and XXXX has yet to address these three fraudulent inquiries, as they haven't removed any inquiries at all. I kindly request the Consumer Financial Protection Bureau ( CFPB ) to ensure that both Experian and XXXX Credit Bureaus promptly remove these lingering fraudulent inquiries from my credit file : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX