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

I have been disputing with the 3 major credit bureau since XXXX last year I have told them numerous times that I am a victim of identity theft. XXXX is the only bureau that will not remove these collections from my credit report. XXXX XXXX and Fair collection & outsourcing have been contacted with both FTC and police report and asked them to cease all reporting and collection immediately and they still are reporting fraudulent collections to my XXXX credit report.XXXX and XXXX has already removed and ceased all reporting and collections of these two fraudulent accounts from my credit report. I have spoke to fraud department through XXXX, they have all of my information as well as the FTC and police report concerning identity theft. I am making a complaint and these accounts need to be immediately removed from the XXXX  account. I have asked for debt validations from the companies and they have no actual proof of anything. I have no court documents because these account does not belong to me.
Product: Credit reporting or other personal consumer reports

I dont recognize any of these lenders and I dont remember authorizing them to perform hard inquires on my credit report Inquiry from XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 

: XXXXXXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX These companies are reporting fraudulent inaccurate Information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if this is actually an account that belongs to me. 

XXXX XXXX XXXX Charge Card with account # XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXXXXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXXXXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX
Product: Credit reporting 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 : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FL, XXXX ; XXXX XXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2700.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$2700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

In late XX/XX/2020, while struggling in the mist of the pandemic due to loss of hours at my job and some unexpected costs, a disgusting company called blue trust loans preyed upon my desperation by deliberately misleading me into and and extremely high interest rate loan. On XX/XX/2020 I was approved of a loan from them in a time of need under the impression that the XXXX dollar loan that I was approved for would be paid off with interest with 6 payments of XXXX dollars on top of the initial XXXX dollar fee. Now I have made all those payments, and come to find out to my shock and horror I still owe XXXX. In fact if I continue to pay at the same rate my total payment will amount to over XXXX for a XXXX dollar loan. If I knew this was the case under no circumstances would I have taken this loan even in that moment or desperation. Blue trust loans is a company that deliberately misleads people in order to bind them to an extremely high interest loan and they should be held accountable. The only thing they have offered me is to pay the remaining XXXX upfront to avoid further fees/principal but I can not afford that and even if I could I would still ultimately be paying far more than I initially expected. Due to what they have done I feel violated and even more financially stressed than even when I received the initial loan.
Product: Debt collection

MY BUSINESS BANK XXXX XXXX.WE RECEIVED A LOAN FROM XXXX XXXX.WE PAID IT OFF ON TIME FOR 4 YEARS STRIAGHT ON TIME EVERY MONTH, THEN IN TURN WE HAD FRAUDULENT CHARGES OF ABOUT {$80000.00} IN FRAUDULENT CHARGES IN WHICH WE THINK OUR BUSINESS ACCOUNT WAS HACKED ONLINE IN HOW THE MONEY WAS STOLEN WE HAVE HAVE ALREADY RECIEVED ABOUT WE WANT THE THE MONEY OF {$24000.00} IN MONEY THAT WAS STOLEN BACK FROM CITIBANK! WE WANT THE MONEY OF ABOUT {$2500.00} PUT BACK INTO OUR BUSINESS ACCOUNT DUE TO THE FACT THAT THEY MEANING THE COMMERCIAL LOAN DEPT OF CITIBANK DID NOT DO THEIR JOB BY OBTAINING OUR UPDATED NEW BUSINESS ADDRESS AND PHONE NUMBER THAT WE HAD ALREADY PUT INTO OUR CITIBANK ONLINE BUSSINESS ACCOUNT UPDATEDING THAT WE HAD MOVED AND WE HAD ANEW PHONE NUMBER WOULD EXPLAIN WHY WE NEVER RECEIVED ANY NOTICES OR WARNINGS ABOUT THE LOAN BEING BEHIND IN PAYMENTS OR ANY ANY HELP THEY COULD GIVE US OR TIME BORROWED BECAUSE OF THE FRAUD TO OUR BUSINESS IN HELPING US TO HAVE MORE TIME TO MAKE PAYMENTS ON THIS LOAN AND BY THE WAY WE SUCCESSFULLY PAID OFF ANOTHER LOAN 2 YEARS EARLIER IN FULL TO THEM!!!!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. I have already gotten a police report with local police. And I have contacted the FTC. These items need to be deleted from my credit report. XXXX, XXXX, XXXX, XXXX XXXX. Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX. XXXX XXXX XXXX XXXX, XXXX 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: Debt collection

In accordance with the Fair Credit Reporting act, the accounts numbers XXXX XXXX the company XXXXXXXX XXXX XXXXXXXX the total debt is {$9100.00} has violated my rights. Pursuant to the Fair Credit Reporting Act, Section 1681i ( a ) ( 5 ) ( B ) ( iii ) ( III ), you are obligated to include my statement in any subsequent consumer report that includes the disputes information.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple over drafts fees. I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where trancsactions settled with insufficient balances despite Initally available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I was late on my rent by two months, XX/XX/XXXX I paid the entire debt off. In XX/XX/XXXX this has been posted on my report with no proof. not only has this lie affected my ability to rent a home to live in but it has also blocked my daughter from buying a home. this company had my child as owing this debt when she wasn't even on the lease. When speaking to the customer service agent at XXXX XXXX I asked him who gave him my identifiers ( SS # Birth Date And Name? ) because I never heard of the company and have never contracted with them, he said he brought the information from XXXX XXXX. So when I told him this was identity theft he laughed and said that's how credit works. I told him that in the state of Colorado it is a one-party consent state and that i had recorded the whole call and will be playing it in court. ( I still have the recorder call ) I clearly stated 3 times cease and desist all reporting on my name. it has NEVER Stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reporting of XXXX XXXX XXXX XXXX several times.They are reporting that I owe {$130.00} to XXXX. I do not owe XXXX and this is inaccurate information. XXXX is reporting this false information to Credit Bureaus under different names also. Under XXXX it is XXXX XXXX XXXX XXXX   and Equifax XXXX XXXX XXXX XXXX. The investigation into this inaccurate account has been less than adequate.
Product: Debt collection

I was first contacted by XXXX XXXX with XXXX ( telephone number ( XXXX ) XXXX ) on XX/XX/2018 claiming that he was with XXXX, he was looking for a verbal statement from me for his final recommendation on a matter so he could submit paperwork. He reached out to a family member as well prior to contacting me. He said he intended to inform me of my legal rights before the case was filed with the district court and to see if I had any questions regarding the contents of the case or would like to submit a statement in my defense. When I called, however, it was an attempt to collect money and I was told if I paid in full or set up recurring payments then we could settle the matter. If I did not do this my wages would be garnished. I contacted the original debtor and was advised that my account was in fact transferred to a collection agency ; however the agency name was XXXX XXXX XXXX management and not XXXX ( where XXXX was calling from ). I tried to  contact XXXX at phone number XXXX, ( provided by the original debtor ) and was unable to get thru, a message from XXXX played that my call was not able to be connected. I XXXX XXXX for another phone number and was able to locate phone # XXXX, however to no avail there was a voicemail message asking for you to leave a message however their inbox is full and your call is disconnected. Please keep in mind I have never recd paperwork from this company ( XXXX ) in the past and now they are threatening garnishing my wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disappointed at the Credit Bureaus for doing nothing to remove the previously disputed Items completely from my Credit Report. I was a victim of Identity Theft and these items were incurred due to identity theft since I never authorized nor signed any paper which binds me with these items. How many letters do I still have to send for the Credit Bureaus to take action and have these items removed from my Credit report? I have read that th Credit Bureaus are required to remove any item that resulted due to identity theft within 4 business days. The last letter I sent to the Credit Bureaus was XX/XX/2022, a month had passed by already and upon Checking my updated Credit Report, I never seen any changes at all! I am persuaded to take legal action against the Credit Bureaus if they fail to remove the disputed fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX, XXXX, LA XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed XXXX {$0.0XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute some delinquencies that Navient placed on my credit report viewable on all major Credit Bureaus and they refused to honor my well-grounded dispute. Just to provide a brief description of the disputed delinquencies, I have 3 late payments listed on all 9 accounts I have with Navient and some show up as 150 days past due. The repayment process was scheduled to begin on or around XXXX of XXXX, around the time the 6-month grace period was to expire, with the first monthly payment scheduled for XX/XX/XXXX. 

However, during the summer of XXXX I was enrolled at XXXX XXXX XXXX XXXX as a student particularly on the dates of XX/XX/XXXX through XX/XX/XXXX. Per the FSA, a 6-month grace period is granted to students who borrow both subsidized and unsubsidized loans before they begin repayment although interest can accrue. This would mean that my grace period would have begun on or around XX/XX/XXXX instead of XXXX of XXXX. During the time I was under the impression the grace period expired, I was in the process in the process of applying for the Income Driven Repayment program which I was later approved for and my it extended my repayment to XXXX or XXXX of XXXX. I have attached my student ID, my account activity summary, my student profile, and my transcript all of which will corroborate the Student ID number. Also, the profile and account activity summary corroborate my address. Most importantly, the account activity summary and transcript will corroborate and confirm that I was attending classes as a student at XXXX XXXX XXXX XXXX from XXXX of XXXX through XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, 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. XXXX  Account # # XXXX - XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX,, # XXXX - XXXX 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 a account without my written permission.
Product: Credit reporting or other personal consumer reports

Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within XXXX days. Enclosed are supporting documents.
Product: Payday loan, title loan, or personal loan

The due date was changed without my authorization and now a late fee and overdraft fee will result
Product: Credit reporting or other personal consumer reports

THEY ARE CONTINUING TO REPORT THESE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is wrong information on my credit report.
Product: Checking or savings account

I have sent money via XXXX and was unable to get money back that was sent to the wrong person. I also have had a number of overdraft fees taken below my balance and after several charges.
Product: Money transfers

On XX/XX/2016 I used Moneygram to send {$300.00} to receiver XXXX XXXX, who was to pick up the {$300.00}. When XXXX tried to pick up money, Moneygram refused to give to him. I dont know why. Something about his I.D . They wanted him to come back to Moneygram. But when I told XXXX this he refused to go back. So I called Moneygram, on XX/XX/2016 and said to cancel transaction and refund my {$300.00}. They refused. They said they need to see XXXX. I told them he refuses to come back. I have written letters to Moneygram refund dept. called many times, only to be told they are still investiggating it. 
It has been 5 months. They transfer me from dept. to dept. and I get same thing, they are still investiating it. I just want {$300.00}. refunded. They can investigate until Kingdom come, but my {$300.00}. is not helping anyone investigate XXXX.
Product: Student loan

I received XXXX  loans, which have been turned over to a service provider due to late payments. I was granted a deferment but was never given the terms. When I called the company, they stated it was sent electronically as well as the notice when the deferment/forbearance was about to end. I have never consented to any email notifications. When I asked the company to provide my electronic consent form they stated that they could not, because they do not have that information. I would like the lates removed and the loans placed back in good standing, as I have now been making my payments since being made aware that the loans were late when my credit was pulled.
Product: Money transfer, virtual currency, or money service

After selling a item the buyer sent payment via PayPal then tried to file a dispute in which I won .. because i had all the proof and copy and documentation necessary... they closed claim in my favor told me I'd be able to access the funds XX/XX/XXXX. The funds are there but they are still not allowing me to pull transfer nothing they have now come up with some other XXXX that makes no since and after holding my money over a month claim they can another 180 days after saying the XXXX I'd be able to have it I need the money I made from selling my item that they have stolen my funds it shows on my paypal but I cnt take it
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act convergent account number XXXX violated my rights. 15 U.S.C. 1681 section 602 A. States that I have a 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. This company has not validate any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX - XXXX there was multiple inquiries on my consumer report which id like monetary value for since i never authorized. This is a result of identity theft and happened without my knowledge. 

XXXX ( Inquiry XXXX ) XXXX XXXX  XXXX ( Inquiry ) XXXX XXXXXXXX ( Inquiry ) XXXX XXXX  XXXX ( Inquiry ) XXXX XXXX  XXXX ( INQUIRY ) XXXX XXXX XXXX XXXX The FCRA that the only data which is factually documented to be physically verified as fully truly, correct, complete, timely reported of a known responsibility and ownership. I would like a physical original document of my signature giving to your company to furnish on my report.
Product: Credit reporting or other personal consumer reports

My account with DEPT ED/XXXX, XXXX, XXXX, XXXX, XXXX XXXX was never late! I have had exceptional payment history with DEPT ED/XXXX, XXXX, XXXX, XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that I reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


DEPT EDXXXX, XXXX, XXXX, XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

I've requested a copy of cashed check # XXXX dated XX/XX/year> front & back.
Product: Credit reporting or other personal consumer reports

I have a paid and settled account from XXXXXXXX XXXX XXXXhat the bureaus have not removed even though I have provided proof from of a promise from the creditor AND collections company to remove it from my credit after payment.