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

I, XXXX XXXX is disputing the balance of {$3000.00} I owe on this account. Also, incorrect reporting to the credit bureaus in regards to amount and reporting " Charge-Off '' status every month. 

XX/XX/XXXX and XX/XX/XXXX are your last correspondence to me which states 'all of your reporting 's to the credit bureaus are correct. '' I disagree. 

Please stop harassing me with collection calls/letters and defaming my credit and FICO score by reporting to the Credit Bureaus Charge Off and incorrect amount every month to my account as of XX/XX/XXXX. Charge Off is only to be reported once. 

I have been trying to resolve this matter with XXXX XXXX for approximately a year via phone and via credit bureau disputes. 

XXXX XXXX informed me via phone that it was illegal for XXXX XXXX to accept a payment from me until XXXX XXXX corrected the errors on my credit report. The XXXX XXXX employee stated she would file a credit bureau dispute. Instead I received collection letters and calls with threatening law suits. 


This unresolved matter : 1. Has interfered with me in purchasing a home and an automobile as a creditworthy customer 2. Lowered my creditworthiness and FICO score. 



To assist me in resolving this matter : 1. Im writing to request a copy of my XXXX XXXX Statements for the above accountXX/XX/XXXX-XX/XX/XXXX. 

2. Please inform me of XXXX XXXX charge off policy. How many months does XXXX XXXX wait before a delinquent account is charged off? 

XXXX. Does XXXX XXXX have a Hardship Policy? If yes, what are XXXX XXXX guidelines? 

I previously requested a hardship due to my unforeseen loss of 50 % income, from the death of my mother and my brother. Twice within two months I had to travel to New York with Funeral, Hotel, Food and Transportation expenses. I was denied by XXXX XXXX. While all of my other creditors enrolled me into their hardship program. 

I have been a credit card holder with XXXX XXXX in excellent standing for at least fifteen years. 



Sincerely, XXXX XXXX CC : Three Credit Bureaus Consumer Federal Protection Bureau
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. US DEPT ED - XXXX XXXX US DEPT ED - XXXX XXXX. US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. US DEPT ED XXXX XXXX XXXX. US DEPT ED - XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED - XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

As of around XX/XX/2020 l have been trying to contact Opportun and XXXX XXXX has been declining my calls. 
Opportun has been threatening me to sue me and collect from my XXXX Retirement Pension income in which this is a violation of my XXXX XXXX XXXX XXXX XXXX under Department of Justice. 

I have respectfully requested a Amicably resolution and remedy of making timely payments to Opportun each month on the second for {$50.00} until debt of around {$4600.00} is paid. 
Opportun refuses to accept my payments and Opportun Managements rather report derogatory remarks on my credit report with XXXX, XXXX and XXXX and have a collection company harrass me all the time by phone calls. 

I have a Permanent Financial Hardship and my family is going through a difficult financial hardship through loss of employment and the Coronavirus Pandemic issues. 
This is a Discrimination and Retaliation against me as a US XXXX XXXX Military Veteran. 

Either with Respect Opportun Administration accepts the {$50.00} @ month payment or discharged the debt of around {$4600.00} with high interest of 200 %.
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 XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX, XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX XXXX ) XXXX, 15 U.S.SC 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, credit repair services, or other personal consumer reports

XXXX credit card customer service conversation about this new card on XX/XX/XXXX revealed that late payment reporting was in error. 
XXXX has since corrected the issue on my account statement by crediting the previously recorded late payments and have reported to me, XXXX XXXX that they have also reported to the 3 credit bureaus this error for correction. Please note that this issue caused my credit score to decrease up to XXXX points in one month on XXXX and should reflect the correction by XXXX  XX/XX/XXXX and an increase in score all around. 

XXXX XXXX XXXX  {$700.00} credit limit Card # : XXXX On XX/XX/XXXX {$59.00} annual fee due on XX/XX/XXXX Not informed Late fee XX/XX/XXXX Errorbut still showing past due 30 days on all credit reports, XXXX XXXX and transunion as of today XX/XX/XXXX. 
Late fee XX/XX/XXXX Errorbut still showing past due 30 days on all credit reports, XXXX, XXXX and transunion as of today XX/XX/XXXX. 
{$3.00} monthly statement fee errorbut still showing past due 30 days on all credit reportsXXXX XXXX XXXX and transunion as of today XX/XX/XXXX. 
{$90.00} is past due as of today error but still showing past due 30 days on all credit reports, XXXX XXXX and transunion as of today XX/XX/XXXX. 
I never received a statement they never connected the cards online as I requested and by error, reported to XXXX, XXXX and transunion a 30 day late payment XXXX the Customer Service Supervisor ( XXXX ) XXXX Is the supervisor Spoke to on XX/XX/XXXX XXXX agreed to remove all fees and charge only {$59.00} for annual fee and stated that she has sent a request to correct and delete the 30 day late reporting t to all three ( 3 ) credit bureaus that the payment was never late due to the fact they were sending bills to an address I did not provide to them in error, hence, i never got them as this was a new credit card offer in the first place.
Product: Vehicle loan or lease

My personal credit was affected by 30 points because of a 30 day late payment which I was not aware of. 

This lease is a company lease and all notices are send to our company address. the dealer had a bad phone number on the account for our company. We never received a late notice by mail nor did we receive any phone call. We did not supply them with that phone number. The dealer may have gotten it off of an old website listing. That number has not been operational since 2014 when we moved to our current address. 

The finance company claims they made calls to my residence but since I have a block on auto-dialers, the phone will not even ring to my residence. They claim they made manual calls but I know this to be untrue. If a call had been received at my residence I would have addressed it promptly. Also, we received no written notices to our business They reported this on my personal credit report as 30 days delinquent but since I received no notification personally I was unaware of the delinquency. This is a corporate debt which I guarantee and I believe that the 30 day delinquency should be removed since they only use dialers to contact people and I was never spoken with or given the ability to pay by phone. 


They never sent any notification to my personal residence either.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX 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 Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Back around XX/XX/XXXX I deposited a check for XXXX roughly and on XX/XX/XXXX was charged a XXXX OD fee when it showed I had money in the account to pay for that, and also here in the last 2 days I have had problems logging on to transfer monies from account to cover any transactions from one account to another and they refuse to help
Product: Credit reporting or other personal consumer reports

Collector - XXXX XXXX XXXX XXXX The referenced account is disputed due to multiple discrepancies. 
The account listed on Equifax and XXXX does not belong to me due to the provided account number being incorrect. Equifax is showing the last 4 as XXXX, which is inaccurate. Therefore, I will not nor can I take responsibility of this account. 
Moreover, the vehicle associated with this account was repossessed on XX/XX/XXXX, yet my credit report does not reflect this ; instead, it erroneously shows a charge-off status. 
The remaining deficiency balance after the vehicle 's sale was {$5400.00} as of XX/XX/XXXX, but the reported balance for XX/XX/XXXX is inaccurate at {$7300.00}. The account 's balance for XXXX, XXXX, and subsequent months should have been {$5400.00}. Additionally, there are inaccuracies in the payment history on my Equifax file, inconsistent with the records provided by XXXX XXXX. Furthermore, there is no payment history on my XXXX file and XXXX fails to report this information altogether. 
In addition, my payments were due on a monthly basis with my contract showing 48 payments which is equal to 48 months. However, Equifax and XXXX show a term duration of 54 months. 
Each time this account has been disputed it was not noted by Equifax nor XXXX, and each time the resolution being that the account was updated. After further investigation each conclusion of a resolution, there were and remain no updates to the account. 
I demand the deletion of this account from my file due to these numerous inaccuracies, which violate FCRA 623. This serves as my final dispute notification. Per FCRA 623, I insist on the complete removal of this consistently inaccurate account. 

FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.
Product: Credit reporting or other personal consumer reports

Discover is reporting XXXX late payments. I have never been late. I have disputed this with XXXX and they have done nothing!!! not been able to resolve it. 
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.

In accordance with fair credit reporting this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC section 1681 section 604 it also states a consumer reporting agency can not furnish an account without my written instructions. Again this discover card has been reported late multiple times please delete!!! 


Also I requested debt validation letters from XXXX XXXX XXXX and credit services. They just appeared as collections and have no clue of them I have been a victim of identity theft I have my credit file flagged and with a statement. They have not been able to provide the validation letter to me in writing with my signature and any agreement between me and them. I have disputed this with XXXX and all they do is say its validated however they dont provide the documentation that I have requested.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I opened a Chime account recently to give them a try. I had a portion of my check deposited to the Chime account and received a bonus from them on XXXX, bringing the account balance to {$310.00}. On XXXX, I made a payment to my credit card company in the amount of {$110.00}. I received an email from Chime on XXXX stating my direct debit had been declined. I am busy and got XXXX so I couldnt handle the situation immediately. On XXXX, I reached out to Chime because my credit card company charged me a {$29.00} return item fee and I wanted to know why the transaction was denied in the first place. I was told it was for insufficient funds by support and that my inquiry would be escalated to member services. Member services sent me one message on XXXX and then I didnt hear from them again until XXXX when they improperly transferred my case to their Dispute Team. This is not a dispute according to the Reg E definition. I am incredibly upset with Chime because I have to pay {$29.00} for something I did not do. It was unfair of them to decline the transaction and they were deceitful in trying to pass it off as a valid decline for insufficient funds.
Product: Checking or savings account

We check our balance on XX/XX/XXXX and it had {$240.00} on the account we made some food transactions that were deducted. We checked the balance same day and made a deposit for {$300.00} on XX/XX/XXXX. We have attached our deposit slip. After that deposit we made a payment for car payment.
Product: Student loan

I am unable to access my Nelnet student loan account. I have no access. My account and password information is not accepted. When requesting to reset password ( thinking this will help ) I am told that a reset link was sent to my email. It never is. I've been trying since XX/XX/XXXX. Nothing works. 

Along with repeatedly trying the above, I have tried to call. The phone system is barely audible, fuzzy, and has extremely long wait times. When the automatic prompt asks me for my information to speed up the process, I enter my soc sec number and XXXX but get the same results. The system does NOT recognize me and loops me back to waiting on hold. 

On XX/XX/XXXX I sent the following message via their online inquiry form : " Since XX/XX/XXXX, I have been trying to access my online Nelnet account without success. I have requested the ability to reset my password ( by selecting the link provided on your site ). Each time, the Nelnet site says it is emailing an authentication code. I never receive this code or ANY email from Nelnet. For months I have tried. For months, I do not receive the code. I diligently check my Spam and Junk email folders -- -there is no code. There are no emails at all from Nelnet. Of course, being unable to enter my account, I do not know how much I owe or when my due date is, can not enter my change of address, and, most importantly, can not PAY MY MONTHLY BALANCE. I am very worried this will affect my credit rating. Further, calling Nelnet is not helpful as your lines are very busy. Please advise what is the best way to approach this and please delete any negative reflection this will have on my end. Thanks for your help. '' As of today, XX/XX/XXXX, I have not received a response. I have not even received a confirmation email that this uploaded message within their own Nelnet website/system was received. 

This is beyond NEGLIGENT. Each month that goes by, without access to my account and without access to pay my loan, damages my credit report and builds more interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15

USC 6802. Per the Privacy Act of 1974 as a federally protected consumer, I have the right to privacy. 15 U.S. Code 6801 15 U.S.Code 6801 ( b ) ( 3 ) 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) 15 U.S.Code 77q Per the Emergency Banking Act of 1933 there is no lawful money in circulation and Congress enacted Joint House Resolution 192 and pledged to be responsible for the public debt and it shall be discharged dollar for dollar.

The certificate of indebtedness should result in a refund due to the if there is a balance of {$1.00} or more.

The certificate of indebtedness is income because it is discharged by the IRS form 1099-C which is income and can not be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

with this company. In additionally, I have sent in a copy of my police report to XXXX XXXX, and Experian. I have disputed these items with these companies over and over again. The fraudulent items are : XXXX XXXX : Reported Balance $ XXXX Fraudulent item : XXXX XXXX XXXX Reported Balance {$3.00}, XXXX Fraudulent item XXXX : Reported Balance {$410.00} Fraudulent item Never heard of this company and have disputed this item before and required proof of document with sign. 
XXXX XXXX ( CLOSED ) : Reported {$560.00} -Fraudulent item- Account has been proven fraud and removed according your company response to last complain # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX ( CLOSED ) SAME ACCOUNT ABOUT WITH DIFFERENT REPORTING BALANCE : REPORTED BALANCE : {$920.00} ; FRAUDULENT ITEM. This account has been proven fraud by your company in before complaint ; however, it is listed on my credit report. Previous report number is : Your response : XXXX  has been proven fraud by your company however, it is still listed on my credit report. Reporting Balance : {$7000.00} :, XXXX XXXX XXXX, XXXX, IN XXXX Phone : ( XXXX ) XXXX. ). The complaint report number ( # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : ) XXXX  have been deleted. 

XXXX : Reported Balance {$1100.00} Fraudulent item Never open this account. 

The collection account XXXX XXXX : Reporting Balance $ XXXX This item doesnt belong to me. The original company reporting it is XXXX XXXX XXXX. I was never treated by this company. The person it belongs to had insurance and it was billed. 

Please do you due diligent and removed these fraudulent items from my credit report. This is causing harm to your future in purchasing and getting a career I desire. I have sent in a police report and you still have these items on my report. Also, you guys have items which have been proven fraud by XXXX, XXXX, and Experian listed on my report. 
Please remove incorrect personal informant XXXX : Name : XXXX XXXX. My name is only XXXX XXXX. 
I ASKED BEFORE TO REMOVE FRAUDLUENT INQUIRY WHICH ARE INQUIRY I DONT HAVE AN ACCOUNT WITH. THANKS ALL COMPANY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX Subject : Complaint Regarding Unauthorized Hard Inquiries by XXXX and XXXX XXXX XXXX XXXX To Whom It May Concern, I am filing a formal complaint regarding unauthorized hard inquiries on my credit report by XXXX and XXXX XXXX XXXX XXXXXXXX, specifically through an individual named XXXX XXXX at XXXX XXXX XXXX  XXXX, located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, access to a consumers credit report is restricted to permissible purposes and requires the consumers express written consent. I have never authorized XXXX or XXXX XXXXXXXX XXXX XXXX to access my credit report or conduct these hard inquiries. 

These repeated unauthorized inquiries are a direct violation of the FCRA, and they have negatively impacted my credit score and financial standing. I respectfully request the following actions : 1. An immediate cessation of any further unauthorized inquiries by XXXX and XXXX XXXX XXXX XXXXXXXX. 
2. The removal of all unauthorized hard inquiries from my credit report.

3. A thorough investigation into these actions and a written response detailing the steps taken to address this issue. 

I trust the CFPB will investigate this matter with urgency and ensure compliance with consumer protection laws. Thank you for your attention and for assisting in resolving this serious issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX