23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wed, XX/XX/2564 BE at XXXX XXXX  XXXX XXXX XXXX wrote : I paid for XXXX XXXX XXXX services and during the year I had this protection my info was breached on the dark web 19 times. Ive been dealing with payday loans being taking out in my name XXXX Kansas and all kinds of other identity theft issues. I want to know how to pursue the id theft insurance premium that was guaranteed as part of my membership, as Im not satisfied that my info was kept private or protected. I suffered lost wages from not being able to work, had to pay for credit repair services, unauthorized transactions and accounts jn my name, and other issues tied to these data breaches. Now I heard t mobile has one, which I had last year and also have a ridiculous bill I need to dispute on my credit report. Please see attached for examples.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX ''
Product: Vehicle loan or lease

I have made a payment arrangement for catching up on two more payments and im consistently recieving harrassing phone calls from them saying i missed the arranged payment which i have not. They then decide to act like 5 year olds and make veiled threats about repossession. This is predatory and is driving me crazy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX - Balance {$110.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX - Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX- Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX/- Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX  - Balance {$0.00} -Date Opened XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account number XXXX is in violation according to 15 USC 1681b reporting false inaccurate information. This item is a charge off and should be reporting a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX Balance : {$110000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}
Product: Money transfer, virtual currency, or money service

Multiple dates and amounts from different cash apps they got into my account and sent money to several different cash apps draining my bank account. I contacted cashapp support and went to my bank and never got any of my money back.
Product: Credit reporting or other personal consumer reports

All 3 reporting bureaus have inaccurate information on my report including : the spellings of my name my address and employer I want only accurate information to be on my report. 
I have uploaded all the documents reported on their website and have mailed them out as well as XXXX does not take uploads. 
Attached is the letter sent to all the bureaus along with the proof uploaded for them to rectify the issue promptly.
Product: Debt collection

During an investigation Equifax has reopened several closed accounts in an attempt to fraudulently collect on an alleged debt due to the result of identity theft. 
These accounts are not mine and needs to be REMOVED immediately pursuant to 15 USC 1692 ( g ) and the FCRA 605 ( B ) which states that upon a credit reporting agency being notified of identity theft they are to immediately stop reporting the issue while under investigation. 
I have sent notices and Affidavits giving proof and evidence to my claim, this action by Equifax has damaged my reputation and credibility with banking institutions due to their reporting.
Product: Mortgage

Nest Home Lending and XXXX XXXX are both subsidiaries of XXXX XXXX. They have been aggressive with their loan practices and have been practicing predatory lending. From the beginning of the loan process we have discussed that we will be using an outside lender. We are currently about to close on the home and XXXX XXXX and Nest Home Lending have been continuously being rude to us since around the beginning of XXXX. I have been lied to by XXXX XXXX regarding requirements for our home loan while using an outside lender and they continue to assert that we will not be able to close our home properly since we are not using their lender. We have asked that communication via the closing of our home remain on an common email thread with the lender that we have chose, The XXXX XXXX with XXXX, yet they have continuously disregarded this request and have kept communications off record with us. The hate and mistreatment from both XXXX XXXX and Nest Home Lending has been overwhelming during such a stressful time.
Product: Checking or savings account

On XX/XX/2020 I was unable to access my mobile banking account. I was given a error page that stated my account is locked and to call XXXX XXXX XXXX XXXX XXXX. Bank of Americas accounts closure department. I called to learn that all of my accounts with Bank of America were closed due to fraud accusations. I was given minimal information because they were unable to see transactions going back further than 30 days. But they accused me of accepting deposits from a fraudulent Employment development check card totaling {$190.00} and thats all they could tell me. XXXX the representative said that after the investigation I would receive the remaining funds in the mail by check. I deny such accusations. I myself do not receive unemployment benefits. Bank of America is contracted with the XXXX to provide check cards to individuals that receive benefits. I called that department. They stated that anyone with a routing and account number can make deposits into anyones account and the names do not need to match. Bank of America allowed this fraudulent activity to occurs and in return without warning accused me of fraud. Closed my accounts I still have not received my money. I have not paid my mortgage or car payment. I am a single mother of XXXX children. This is a tyrant banking system! I am unable to retrieve account summaries as they locked my account I do not get paper statements.
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 {$50000.00}, {$11000.00}, {$8500.00}, {$5000.00}, {$1100.00}, {$260.00}. 
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 CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$50000.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 

3. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 


-- AUTO ACCOUNT -- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account. 


-- COLLECTION -- 6. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$260.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I have been in communication with ChimeXXXX XXXX for several weeks now, about the balance of my account reporting inaccurately on my credit reports in all XXXX  credit bureaus, XXXX, XXXX, and Transition, and how it has been negatively impacting my ability to qualify for credit and being detrimental to my quality of life. 

They have refused to communicate effectively with me by phone or by email, and have been trying to put the responsibility off on the credit reporting agencies rather than accurately changing their reporting data. 

Their contact information is as follows. 
CHIME/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX I have closed my accounts with them, and I am asking that their account does not report to my credit report on any of the XXXX bureaus and be removed immediately, please! 

Thank you!
Product: Debt collection

I sent Capital One a billing error packet with a cease and desist letter for an alleged debt by certified mail # XXXX XXXX XXXX XXXX XXXX which they received XX/XX/XXXX2022. Capital One repeatedly sends emails to my personal email address and also call my personal cell phone. The dates I have received emails from Capital One are as follows : XX/XX/XXXX22, XX/XX/XXXX22, XX/XX/XXXX22, and XX/XX/XXXX22. The dates of the phone call are as follows : XX/XX/XXXX22, XXXX/22, XX/XX/XXXX22, XX/XX/XXXX/22, XX/XX/XXXX22, and XX/XX/XXXX22 x2. 
They are in violation of 15 USC 1692b ( 3 ), 15 USC 1692c ( c ) as well as others.
Product: Debt collection

I have written Equifax, called, and used their online dispute system to try to resolve issues with XXXX debt collection. The outstanding debt they were reporting was paid and I have a credit card statement to prove. This showed up on all three of my credit reports, XXXX and XXXX  both removed items as it was an illegitimate report. I have contacted Equifax several times of the past two years to have removed. The do not respond and only updated status to show I have disputed. I have not been able to provide information or proof of statemtn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to create an account at www.experian.com to manage freezes to my credit report. The process for creating an account failed. I can not fix it. The company computer refuses to let me speak to a representative. I am being prevented from managing freezes to my credit report without spending hours with these problems.
Product: Debt collection

XX/XX/2012 I attempted to make an internet purchase of a Mercedes Benz from XXXX of XXXX MD - terms were agreed to and the car was delivered by a motor carrier designated by the dealership [ enclosed ] Upon delivery I recognized the car was not as represented by the dealership sales people - photos were carefully shown to illustrate the good parts of the car - not the ones in need of attention. I HAD DAY ONE DELIVERY ISSUES. 
Over the months that followed I contacted the dealership and M-B Financial in an attempt to resolve the issues. 
both the dealership and M-B Financial did nothing but give me lip service on why the issues were my problem not theirs. 
After canceling the deposits and refusing to pay for this fraudulent internet car buying experience - I voluntarily turned the car in. Was recognized as a voluntary repossession, where again despite my efforts with M-B Financial to get the XXXX-Repossession OFF my credit history - they would not help me with that either - where my credit has been badly damaged by this bogus and fraudulent internet car buying experience. 
Simply the worst business experience I have ever had.
Product: Mortgage

Difficulty during loan modification and all the extra fees. Also the fees charge to checking account
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX opened in XX/XX/XXXX and paid in full via debt collectors, several years ago, after the statute of limitation already allowed for this debt to be canceled, has all of the sudden been reported XX/XX/XXXX why now? 

Ive been working hard to improve my credit score and now this appears out of the blue to damage it. Doesnt it seem very suspicious? 

Thanks for your attention! 
This has been paid in full at least 5-10 years ago, unknowingly after the statute of limitations made it unnecessary, through a debt collector : XXXX XXXX Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$4700.00} Term -- Monthly Payment {$5400.00} Responsibility Individual Account. 
Balance {$5400.00} Highest Balance {$6900.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$5100.00} Times 30/60/90 Days Late 1/1/3 Remarks Charged off account Account closed by credit grantor
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a fair credit reporting act [ XXXX XXXX  # XXXX and XXXX and XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX ] has violated my rights. U

nder 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect and out dated items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Credit card

I have a Marriott Bonvoy Credit Card which I have had for over 20 years. I am supposed to receive Free Night Award ( FNA ) on my anniversary each year. I am also a Platinum Lifetime Member of Marriott. I never received my certificate in my email. I originally called Marriott who then told me to call Chase. I called Chase who said they were also not responsible and told me to call back Marriott. I called back Marriott and were told again to contact Chase. I asked to speak with a supervisor at Marriott but was told they were not able to do that. I called Chase again and was told it is a Marriott issue. After being on hold for 17 minutes, I was either hung up on or disconnected.
Product: Student loan

I applied for the total discharge due to XXXX. It got approved. But NAVIENT has marked my credit report 90 days late and on the XX/XX/XXXX it will be marked 120 days. My discharge was approved in XX/XX/XXXX. Thanks to NAVIENT. My credit report has DROPPED XXXX POINTS. Plus they are still charging me interest. RIGHT OWN THEY HAVE CHARGED OVER XXXX INTEREST. I have paperwork and emails where my loan was dismissed. This is affecting me buying a house with them continuing marking me late. Please do something. Thank you
Product: Student loan

On XX/XX/XXXX, I received a letter from MOHELA stating that " A forbearance has been placed to postpone payment on some or all of your loans. Forbearances can be a helpful short-term solution, but they can have negative impacts on your account. Carefully read this letter and the XXXX XXXX regarding the status of the forbearance ( XXXX ). '' I did not request this forbearance. On XX/XX/XXXX, I wrote in response in the secure messaging service with MOHELA, " I did not request a forbearance on my loans and do not wish to have a Forbearance added to my account. I will be continuing to make payments toward my PSLF counts and want this forbearance removed from my account immediately. If my XXXX payment ( which I will make manually if you are incapable of doing this in a timely manner ) is not counted toward my PSLF counts, I will be force to file a grievance, but I hope that since I did not request this forbearance and it was thrust upon me " in error, '' that will not be necessary. Thank you for removing this unwanted forbearance from my account and I look forward to continuing to make my auto debits for the next XXXX years. XXXX XXXX XXXX '' On XX/XX/XXXX, MOHELA responded, " We apologize for any inconvenience this XXXX have caused. Your request to remove the EXCEPTIONAL DISCRETIONARY forbearance from your account. You will be notified in your online account after it is complete. No action is required by you. '' As of today, this has not been removed. 

I submitted my yearly update for the XXXX employment verification on/around XX/XX/XXXX and on XXXX - XX/XX/XXXX, got the results back from the updated counts for the year. MOHELA has not counted a month since the pandemic pause as counting toward XXXX. I have made payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told that due to their inability to process the return to payments in XXXX, that there was an extension of payment pause through XX/XX/XXXX, so I did not make a payment in XX/XX/XXXX. They also failed to auto-debit in XX/XX/XXXX and I made manual payments in XX/XX/XXXX and XX/XX/XXXX. My new updated payment counts don't include anything after XX/XX/XXXX. 

Despite making payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, they are claiming on my summary of payments that these are " ineligible payments '' because " Deferment or forbearance exists this period - Typically, periods of deferment or forbearance do not qualify. '' Since I have requested this forebearance removed and they are unwilling or incapable of doing so, I am losing out on what should be eligible payments toward XXXX XXXX XXXX. Please help to fix this and force them to do their job. Thank you, XXXX XXXX XXXX.
Product: Debt collection

I have contacted this agency on several occasions to dispute this debt. This is not mine, I never opened an account with them. I have sent them a certified letter ( attached below ) asking for verification, including my signature on any documents, itemized charges, etc.. they have parked this debt on my credit report and it is causing me damage. They are violating my rights as a consumer. They call me non- stop, they cant provide any burden of proof and I want this debt removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX  XXXX However, they stated everything was complete and accurate. But how is that possible if the High Balance, last verified, closed date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. So How n the XXXX is there a balance on a charged off account? According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my cas
Product: Student loan

My school was shutdown and sued due to their misconduct. I have provided direct examples of this misconduct and the criminal activity that XXXX and Sallie Mae now Navient engaged in. My application for loan discharge due to school misconduct was denied.
Product: Debt collection

In XXXX of this year, I filed a complaint with you about this company XXXX Harris & Harris , LTD . I thought the issue was resolved ( closed on XX/XX/2024 ), but they have started calling and texting me again. I do not owe, and they are harassing me. 
This complaint is same as before : I have been contacted by phone and text about debt that isn't mine. The mobile number they called me on is also a number I use as a state government employee.