23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX is continuing to harass me for a debt I do not owe. XXXX was notified prior to me moving out in XXXX of 2020, that I had contracted COVID and was going to go ahead with moving. I paid my last months rent and moved. I had the unit cleaned in XX/XX/2020 because that is when I moved. I had the junk removed from the cleaners at the end of XXXX. I had not been living at the property since the end of XXXX. I did have the grass cut for one last time before the lease ended and I dropped the keys in the mail on XX/XX/2020. They did not receive the keys until XX/XX/2020 because they were mailed to them and not dropped off in person, because I had XXXX. I did not have the carpet cleaned because no one wanted to enter the unit because of me being positive. There is an email dated for XX/XX/2020 notifying them that the keys were being mailed to them. So Im not sure why it says I was occupying the unit until the XXXX if I didnt even have access to the unit after XX/XX/2020. XXXX not sure what they expected the grass to look like after they didnt even come to inspect until the XXXX. I also was not responsible for the stuff growing on the gate. That is how the fence looked when I moved in, I just kept the grass cut. When I initially rented the property it was with another property management company, otherwise they would have known the fence already looked like that. The neighbor can attest to that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to put a freeze on my Experian credit report. Experian simply rejects the online attempt to apply the freeze, despite providing exactly the same information that had been used 30 minutes earlier to remove a previously applied freeze. 

Experian simply says it is unable to satisfy the request to freeze and then lists an unreasonably onerous process that must be followed, providing a lot of information on paper through US mail. It's clearly intended to dissuade the consumer.
Product: Student loan

Once i graduated i was not aware of all the Loans that i took out for School. A couple months after graduation i started receiving phone calls from Sallie Mae saying that i am past due on my balance. I first checked with the school to ensure that i did in fact take out this loan that was about {$7000.00}. Once i confirmed that i did i set a payment plan up with them. I was to pay {$700.00} for the first XXXX payments to catch up. My first payment was taken out of my bank account from Sallie Mae so i did n't think anything was wrong. I then got a phone call from a bill collector referring to the loan. I told them that i had worked out a plan with Sallie Mae and they had already taken the first payment. The bill collector said that i was to pay them due to Sallie Mae contacting them. I started paying the bill collector until i could reach out to Sallie Mae and figure everything out. It has been a little over a year and when i call them they say they are working on it and someone will call me back. I still have not heard back from them and this is ruining my credit. I still continue to pay the bill collector hoping that i can get this all figured out and restore my credit.
Product: Money transfer, virtual currency, or money service

XX/XX/2021, PayPal, {$950.00} and {$2500.00}! My credit union stopped payment on the {$2500.00} and disputed the already paid {$950.00}. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX! PayPal refused to stop the payment on their end after 6 attempts to complain and filed a claim of fraud! The people trying to defraud me are XXXX XXXX ( XXXX ( XXXX ) XXXX, XXXX ), XXXX XXXX ( XXXX, money sent on PayPal ) , XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ) used priority USPS mail to send fake check ( tracking # XXXX )! Car Wrap job scam! I have also filed a complaint with the consumer protection agency ( reference # XXXX ) and with the USPS inspector general ( reference number is XXXX XXXX XXXXXXXX )! PayPal is refusing to stop payment on these transactions even after my credit Union said they were fraudulent! Case # s ( {$950.00} dispute Case ID : XXXX ) ( {$2500.00} Dispute Case ID : XXXX )!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to log into transunion website only to be stopped with multiple up sell tactics in order for me to receive/request my credit report. so that I may begin to try and work on certain information within it. Their site has set within it, various add-ons that prevent the average consumer access to logon with many distractions. I can not file a complaint with them because I can not get past more expensive products being hocked from their company. What with the more than over XXXX or XXXX XXXX the company takes in annually, they shouldn't miss my rather pentence I may receive on a monthly basis.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I have been a victim of a data breach, resulting in the creation of fraudulent accounts under my name. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit report, as they were opened fraudulently without my authorization. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not thoroughly investigate my dispute and/or arrived at the wrong outcome. 
Experian is reporting that I owe XXXX XXXX {$1000.00} even after the Vermont Superior Court found their claim is wrong. The amount is XXXX XXXX  interest and fees. I tried to work with XXXX, XXXX XXXX  XXXX XXXX XXXX to resolve the issue but neither responded. The matter was taken to small claims court by XXXX 's Attorney. 's at XXXX XXXX. The case went to trial XXXX by and they lost. 

When XXXX XXXX XXXX XXXX ruled the case in my favor, I sent all the supporting documents to Experian filing an on-line dispute and uploading the court documents. After a slew of emails Experian XXXX  came back with an automated response saying the information in my credit report was verified even after the case was found After the case was found in my favor. Experian did not allow me to add to the dispute or ask any questions or inform me of what they verified. Experian is not the ultimate decision maker on whether a the debt is wrong or correct. The State of Vermont Superior Court made that decision but Experian ignored the matter and the details. I have also sent everything to Experian via Certified USPS to no avail.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : 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 Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

I noticed unauthorized inquires on my credit report from TransUnion and wrote several letters to dispute the unauthorized inquires being reported by this company. 

XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Each the above inquires were not authorized by me and I do not recognize them. This is causing a negative impact on me.
Product: Credit reporting, credit repair services, 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 I am formally requesting that you include the following fraudulent items to be removed from the Credit report. 
XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} ( Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 which is being posted to my report. 
Here are the list of items which 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 Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$84.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Balance Owed : {$4700.00} ; XXXX XXXX XXXX XXXX : {$330.00} ; XXXX XXXX Balance Owed : {$10.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$310.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00}.
Product: Credit card

I received a notification that I had a hard inquiry on my credit from XXXX. I contacted all credit bureaus and let them know. I also placed a freeze on my credit. I tried contacting Citi Banks to let them know I didnt apply for anything and that I believed someone stole my identity. I couldnt reach a live person on the phone due to to the automatic system not being about to verify my current home address with the last XXXX numbers of my social and date of birth. The next day I received an email from XXXX that I would receive a credit card with a line of credit of {$11000.00}. I tried to cancel the card but again I couldnt speak to someone due to the automatic system being able to identify me. I couldnt create an account online to try to stop the credit card before someone had received it but couldnt due to all my information not matching. I was finally able to reach a person on the phone from Citi Banks and explained that at this point someone was going to receive a credit card that I didnt apply for/ want. They were able to supposedly cancel the card and close the account and send me an email with that information. I never received an email in regards to this matter.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/2023 - UNAUTHORIZED INQUIRY XXXX XXXX XXXX XX/XX/2023 - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

CAPITAL ONE BANK USA XX/XX/XXXX CAPITAL ONE BANK USA XXXX XXXX, XXXX CAPITAL ONE BANK USA XX/XX/XXXX CAPITAL ONE BANK USA XX/XX/XXXX CAPITAL ONE BANK USA XX/XX/XXXX CAPITAL ONE BANK USA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CAP ONE VIA DEALER XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX CAP ONE VIA DEALER XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE BANK USA XXXX XXXX, XXXX CAPITAL ONE BANK USA XX/XX/XXXX XXXX  XX/XX/XXXX CAPITAL ONE BANK USA XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent validation Letters to XXXX, XXXX, TransUnion XXXX XXXX XXXX concerning the below account but never received any information concerning the debt. XXXX deleted the account from my consumer report as shown in my uploaded documents. Please remove this account immediately. 

XXXX XXXX Account # XXXX Amount # {$7900.00}
Product: Credit reporting or other personal consumer reports

[ XXXXXXXX XXXX XXXX XXXXXXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, RI XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] TRANSUNION [ XXXX XXXX XXXX ] [ XXXX, PA XXXX ] Subject : Dispute of Late Payment Reported Dear Sir/Madam, I am writing to formally dispute the inaccurate late payment information reported on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to request a thorough investigation of any information on my credit report that I believe is incorrect or incomplete. 
The specific late payment in question is for [ XXXX XXXX  XXXX ] and was reported as being XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX ] on my credit report. I believe this information is incorrect because [ provide an explanation of why it is wrong, e.g., payment was made on time, or any other reason why the late payment was inaccurately reported ]. 

I request that you investigate this matter and provide me with written verification of your findings. If the information can not verified, l ask that it be corrected or removed from my credit report as required by the FCRA. 
Please acknowledge receipt of this dispute and provide me with the results of your investigation within 30 days, as stipulated by the FCRA. 


look forward to your prompt resolution of this matter. Thank you for your attention to this important issue. 


Sincerely, [ XXXX XXXX XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

I am looking to have all items deleted to help clear my credit report. these items are listed as fraud and has been hindering my file. please review an delete all listed accounts asap.
Product: Credit card

Approximately 7 years ago, a " Penalty A.P.R. '' was applied to my Chase XXXX credit card account. Since then, this credit card account has been in good standing with on-time payments. Additionally, I have XXXX other personal Chase credit cards that are in good standing, I had a Chase bank mortgage for my former personal residence in XXXX, California that has been paid in full, and my business savings account has had an average collected balance of over {$25000.00} while earning virtually very little interest.
Product: Credit reporting

EQUIFAX IS WRONGFULLY MISREPORTING INFORMATION ON MY CREDIT REPORT AND IS NOT TAKING ME SERIOUSLY. I AM A VICTIM OF FRAUD, AND THEY CLAIM THEY VERIFIED SOME DEROGATORY BEHAVIOR ON MY CREDIT REPORT, BUT HAS NOT YET SHOWN PROOF OF THEIR VERIFICATION PROCESS. I AM DISGUSTED THAT SOMETHING LIKE THIS IS ALLOWABLE IN THIS DAY IN AGE OR EVEN LEGAL. PLEASE LOOK INTO THIS MATTER AND INFORM THEM OF THEIR IMMORAL BUSINESS BEHAVIORS. THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 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 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 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. 15 USC 1681a ( d ) ( 2 ) ( A ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report, and this also clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I need the above transactions deleted from my consumer reports! Best regards, XXXX XXXX Enclosed : copy of ID
Product: Checking or savings account

Chime allowed the creation of a fraudulent checking account using my stolen personal information. They clearly failed to perform basic XXXX  procedures and neglected to implement appropriate detective and preventive controls on their application. Chime was not timely in addressing my concerns once raised, taking over XXXX hours and multiple communications to close the account. I received conflicting details about the closure of the account and to this day, do not have explicit confirmation the fraudulent account was actually terminated.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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


XXXX XXXX XXXX # XXXX - IDENTITY THEFT XXXX XXXX  # XXXX - IDENTITY THEFT 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 of 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, TILA VIOLATIONS and NOTICE OF RESCISSION were sent to EXPERIAN who, after receiving the complaint filed with CFPB on XX/XX/2022 regarding a separate issue, has since, ignored the NOTICE OF RESCISSION AND DEMAND TO CEASE AND DESIST FROM ANY ADDITIONAL REPORTING ON SAID ACCOUNT PURSUANT TO ADMINISTRATIVE RESOLUTION. However, EXPERIAN IGNORED THE REQUEST AND HAS SINCE receiving notice of the complaint filed stated above, CONTINUES POSTING MISLEADING INFORMATION AGAINST MY TRUE CREDIT SCORE AND HISTORY. On XX/XX/2022, again, refused to receive, accept, and/or process the relative information pursuant to the RIGHT OF RESCISSION and NOTICE thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX and XXXX of XXXX I sent a letter to GM Financial in regards to an account being reported on my credit reports. My husband purchased a vehicle with them and was awarded the vehicle in the divorce in XXXX. I attempted to call and write to them asking if there was anyway to remove my name from this account as he had possession of the vehicle and I had all the documented proof. I never received a call back, a letter back, nor have I ever received ANY bills or notices in the mail in regards to this account. They have made ZERO attempts to work with me or keep me informed as to what is going on with this account. At this point in time this debt is too old to remain on my account and I have asked them to request a tradeline deletion since they will not respond to any form of contact I have tried to initiate. When I checked my equifax credit report today there was an update that this account was " paid for less than owed '' and " paid charged off account '' and it is being reported as a zero balance. I am assuming my ex husband has finally paid it off. However, on my transunion credit report it is showing there is still a full balance owed as well as " bad charged off debt ''.