23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I Disputed on XXXX XXXX, 2016 and the Equifax is in violation of federal laws for not responding on time. Equifax was supposed to delete all the items because of failure to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX i informed XXXX XXXX XXXX XXXX also the credit bureaus that my identity was stolen and my information have been compromised into several data breaches and also someone fraudulent accounts have been opened without my knowledge they said they will investigate and they claim they did but i dont have a resolution into this matter under the fcra it states 15 U.S Code 1681s-2 a person or company shall not furnish any information relating to a consumer to any consumer reporting agency if the information is inaccurate i would like these fraudulent accounts removed please because its hurting my credit profile and effecting my ability to take care of my family i filed a police report the police report number XXXX i even sent them copies of the report and have supporting documents and they claim after the investigation everything true and accurate also i have cleared up the matters with XXXX  but XXXX  is still reporting it on my credit reports XXXX  and XXXX  removed it already also i informed the credit bureaus about an unauthorized inquiry i found on my report told them to remove it but its still on my credit report
Product: Credit card or prepaid card

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
Product: Debt collection

I got a random call from Transworld System Inc/94 about some debt from a company by the name of XXXX XXXX in Texas. I have never lived in Texas or heard of this company so I explained they must have me confused with another person with the same name. The lady was so rude and demanded i pay the debt even though it wasn't mine. They reported me to the 3 credit bureaus and Im in the middle of taking out a HELOC and buying a car. My score dropped XXXX points!
Product: Student loan

I was making monthly payments to Discover Student Loans of what I could afford based off of my income alone with other debt owed. My loan was charged off in XXXX despite making $ XXXX  month payments and I was notified in XXXX when I went to purchase a car. The pandemic hit and I was unable to make payments on a regular basis but still made attempts with lower amounts. Every time I called to make/arrange a settlement, the amount asked to pay monthly for 5 years was too high XXXX {$900.00} XXXX. I made a 1 % payment in XX/XX/XXXX to prevent my loan from going to collections, because thats what Discover told me I had to do, and was told to not call and make payments less than 1 % therefore after. I still called every month and payments were refused. When I called XX/XX/XXXX to schedule a payment, I was I informed that my loan was placed with collections and that I signed up for this because I was unable to make the {$1200.00} a month payment asked upon graduation in XXXX. When I asked when this would be reported to my credit bureau, I was informed that Discover last reported to the credit bureaus on my debt owed in XX/XX/XXXX. My credit shows no payments made on these loans since XXXX. Highly unprofessional and sets people up for failure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted each service that's furnishing inaccurate information thats being shared on my consumer report. I made them aware that i did not authorize nor consent to the following names, addresses, phone numbers, employers, inquiries and collection being fraudulently reported on my consumer report. 
According to 15 USC 1681E ( B ) 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. 

Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I became aware that my identity was stolen. I immediately filed a police report with XXXX Police Department. Personal Finance was listed in the police report. I called Personal Finance explaining the fraudulent activity, sent over a copy of the police report, and identity theft affidavit. The account was removed off my credit report, and to my knowledge, the account had been closed and resolved. Since the Summer of XX/XX/XXXX, I have not received any phone calls, voicemails, or letters stating otherwise. 
On XX/XX/XXXX however, I received a notification saying that there has been a change to my credit report. Personal Finance sold the fraudulent account to XXXX XXXX XXXX, placing negative activity on my credit report. I called the Personal Finance home Branch in XXXX, IL to inquire. The representatives stated that they no longer had access to the account and directed me to contact their Customer Relations team ( XXXX ) XXXX XXXX. While going over the fraudulent account with the Relations agent, he expressed to me that there were notes in the account stating that the account was to be deleted based on a police report outlining fraudulent activity. I, then, called XXXX XXXX to address the miscommunication. Neither parties could answer my questions, therefore, giving me no hope for a solution. 
On XX/XX/XXXX, I called XXXX to dispute the account. To further support the dispute, XXXX  advised me to obtain the written notes from Personal Finance concerning the fraudulent account. I reached out to Personal Finances Customer Relations team again. The representative declined to give me any information about the account. She expressed that they could not provide a letter, however, she would pass the account on to the fraud specialist, XXXX XXXX, and he would contact me. I asked if he could do so today, she stated that he was not in the office. I asked for his approximate return date, she was unsure. I requested his direct line, she declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has vilolated 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 instructions
Product: Credit reporting or other personal consumer reports

I am contacting you to express my concerns about several issues I have encountered with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing errors.
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at account XXXX XXXX XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$6200.00} that appears related to the aforementioned personal loan account at XXXX, a collections account opened at XXXX XXXX XXXX on XXXX XXXX under the account number XXXX with a balance of {$6900.00} that appears related to the aforementioned rental of apartment or house account opened at XXXX XXXX XXXX, another collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$3500.00} that appears related to the aforementioned rental of apartment or house account opened at XXXX at XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud, I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I currently have XXXX companies trying to collect on XXXX single debt. I have contacted both companies and they both say they currently own the debt. The debt is from an old apartment lease. XXXX company is XXXX and say I owe {$1000.00}. The other company is NATLCRSYS and say I owe {$910.00}. They both claim it is for XXXX. I have contacted XXXX and they have taken over new management and can not even locate the original debt or who they originally sold it to. I want to pay off this debt but I need to know who actually owns it. I have reached out to all parties, and they are not interested In helping they just try to get me to pay. But again I do not want to pay the wrong company what I owe. I have disputed both claims with XXXX, because obviously XXXX claim is incorrect but even XXXX said both were legitimate claims.. which is impossible. Can you please help me?
Product: Mortgage

I disputed an item on my XXXX file " XXXX XXXX XXXX XXXX '' because it was outside federal obsolescence. The status was " current '' and it was " Paid after foreclosure started ''. I have attached two images ( XXXX and XXXX ) showing this status as of XX/XX/XXXX. ( Account number listed XXXX ) After disputing the item, XXXX changed the status to " charged off ''. I have included the images ( XXXX and XXXX ). An item can not be paid after foreclosure and current in XXXX and then become a " charge off '' in XXXX. This is an example of willful negligence ( as provided in the Fair Credit Reporting Act ) on the part of either XXXX or on Wells Fargo Mortgage. 

I AM FILING THIS AGAINST XXXX XXXX XXXX XXXX BECAUSE THE FAIR CREDIT REPORTING ACT ( SECTION 623 ) PROVIDES THE SAME REQUIREMENTS FOR REPORTING ON DATA FURNISHERS AS IT DOES FOR REPOSITORIES. 

It is quite apparent that someone at XXXX XXXX XXXX XXXX is manipulating the status of this account to purposely reflect in a more delinquent status to artificially lower my credit scores. This is clearly WILLFUL NEGLIGENCE. 

I want this item removed from my file or I will seek punitive damages as provided in the federal law.
Product: Checking or savings account

On XX/XX/XXXX and XXXX XXXX, two large transactions from unknown origins to me have been posted to my business account. When I contacted Chase, I was instructed to file claims - which I promptly did. Even though I explained to them that some of the trials transactions will give rise to someone withdrawing monies from the account, but the bank did not stop that from happening. Now, that monies in the amount of {$19000.00} have been UNAUTHORIZEDLY taken from the account, the bank refuses to reverse these transactions. In fact, I walked into a branch yesterday to try to resolve the issue, I was kicked out and told to never walk into that branch anymore.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My credit report indicates I have [ 22 ] accounts that are negatively impacting my credit score and immediately preventing me from obtaining a mortgage and credit. Each of the three credit bureaus is incorrectly reporting credit information deleterious to me for which damages may be sought. [ 11 ] OPEN ACCOUNTS have reported a current account of which, XXXX  XXXX  XXXX is incorrectly reported. XXXX/XXXX  XXXX is incorrectly reported. XXXX XXXX  XXXX is incorrectly reported. XXXX XXXX XXXX XXXX XXXX is incorrectly reported. XXXX XXXX XXXX   XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX   XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX   XXXX is a double reporting tow separate balances, {$4200.00} and {$2700.00} and is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. The credit reporting agency is reporting the following unauthorized inquiries. XXXX XXXX XXXX, Unauthorized and demand strict proof. XXXX  XXXX XXXX   Unauthorized and demand strict proof. XXXX XXXX XXXX   Unauthorized and demand strict proof. XXXX XXXX XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. The credit reporting agency is reporting the following incorrect PERSONAL INFO. XXXX XXXX XXXX. I have never applied for credit or ever been known by this name. I demand strict proof this was reported to the credit reporting agency. PERSONAL STATEMENT. The credit reporting agency will not update my  personal statement with relevant and current information. I have asked that all prior personal statements be removed to avoid confusion. REMOVE THE CREDIT FREEZE ON MY ACCOUNT FROM XX/XX/2020 to XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts on my credit report below have violated my rights. 
XXXX XXXX  # XXXX XXXX XXXX XXXX 15 US.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 man 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 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I trust this message reaches you, though I am deeply dismayed by the unresolved matter despite my persistent attempts to resolve it. This marks my twelfth communication regarding the denied access to my personal credit report by Equifax. Despite my repeated efforts, Equifax has failed to provide any information regarding my credit history. Enclosed are additional documents supporting my claims, including duplicates of my personal identification. The lack of cooperation in this matter is profoundly troubling, and I demand your immediate intervention to swiftly rectify this egregious situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking at my credit report the last update for XXXX comunity was XX/XX/2022 and the balance is wrong and this XXXX please update this I am trying to buy a house
Product: Payday loan, title loan, or personal loan

The loan company that I have a loan with has contacted me numerous times during the day atleast 5 times and left me several voicemails. They need to stop calling me constantly I already told them to send it to collections and to stop calling me constantly but they keep doing it
Product: Credit card or prepaid card

I had XXXX credit cards with Citi. XXXX was a Macys card and the other was a normal Citi card. I used both cards and I made my required payments on time. They were both in good standing. I have been working very hard on rebuilding my credit. 

Out of the blue, in XXXX of last year, Citi cancelled both my cards. They sent me a letter that said I could call them to find out why. When I called, they told me they would send me a letter. Eventually I got a letter saying my cards were cancelled because I have criminal convictions from XXXX. 

I dont understand why my credit cards would be cancelled because of my criminal convictions. Those were XXXX years ago and they had nothing to do with credit cards. Since then I have done so much work to rehabilitate myself. I went through the program at XXXX XXXX. I got job training and got a stable job. Ive worked really hard to rebuild my credit. If Citi is just cancelling credit cards for anyone with criminal convictions, thats not fair, and I think its discriminatory. 

There are rules in my state about when companies can look at your criminal background history. I learned that when a company takes an adverse action against you because of a background report, they have to tell you where they got the information and give you a copy. Citi didnt tell me any of this. 

I sent Citi a letter on XX/XX/XXXX. The letter asked them to send me all of the documents they have about me, including my credit applications, any cardholder agreements that applied to my accounts, and documents about why they closed my accounts including reports about me that they viewed. 

Citi didnt provide me with anything I asked for. Instead they wrote me a letter that said they can close my account for any reason at any time and they dont have to tell me why. 

I think this is unfair and illegal. Im entitled to see whatever background report Citi saw that told them about my criminal convictions. I want to make sure its accurate and dispute if its not. I also dont think Citi should be closing peoples credit cards just because they have criminal convictions. I made mistakes, but those were years ago. Ive been working for XXXX years to get my life back together. Closing my credit cards because of an unrelated mistake I made so far in the past is not right.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Student loan

My sons student loans ( of which I am the co-signer ) were taken over by Navient. His payments have been sporadic but he always ends up making a payment. Over the last 2 to 3 years I have personally received numerous phone calls, statements from Navient saying the account is overdue and letters threatening to send the account to a collection agency. 
I personally have contacted Navient to request that the phone calls stop, I have made payments to bring the accounts up-to-date. Most recently, I found out that Navient had faxed my employer asking for information, and called my sister trying to get information. 
At the beginning of XXXX, I called Navient and negociated a pay off amount. That amount was paid in full on XX/XX/XXXX. Since that time I have received two statements from Navient saying there was a balance and they also called my brothers house within the last week to request information about me. 
At this time I am seriously considering filing a lawsuit for harassment against Navient. The account is paid in full, why are they still harassing me??
Product: Checking or savings account

I am filing a complaint as a consumer and client of CapitalOne. Capital One has failed to issue direct deposits from my employer, vendors and any other financial resource into my account. Capital One has cited technical issues yet news sources state that the issue is linked to the companys compliance with regulatory practices. This violates the ( Electronic Funds Transfer Act ) EFTA and I am requesting your assistance in investigating CAPITAL ONE to ensure that my rights are upheld. As this situation raises concerns about consumer protection laws.

Thank you for your assistance.
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. 

List of Unauthorized 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  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: Credit card or prepaid card

XXXX XXXX i received a transation update on my TD bank credit card of multiple online purchase at XXXX totaling {$370.00}. I did not make these purchases and the dredit card company has not resolved this fraud claim. 
Please interview