23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a accident on XXXX XX/XX/2019, and its small accident and we both parked the cars and called the police and filed the case ( report XXXX XXXX in XXXX, Arkansas. 
Since i dont have the insurance for at that time. i have pay myself, The insurance company of the other guy is XXXX. 
After 3months on XX/XX/2019 i got a call from Afni collections and they say that i have to pay XXXX XXXX 
When i called the XXXX about it they said the its XXXX $ .When i asked it about the claim they said that they have selled it to the Afni collections and i have to speak with them. thay cant to anything about it.
Product: Debt collection

XXXX XXXX XXXX ( XXXX XXXX XXXX ) reporting a debt owed of {$27.00} is a result of identity theft and has been reported to the FTC and is currently under fraud investigation as I am a victim of Identity theft. This account was has been active and reporting since XX/XX/2016 per my monitoring service. This account does not belong to me.
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 the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$25.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$7600.00} ; XXXX XXXXXXXX Balance Owed : {$270.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX Balance Owed : {$560.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance Owed : {$270.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$1100.00} ; XXXX  XXXX Balance Owed : {$2800.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 

XXXX Account XXXX has violated my rights XXXX XXXX XXXX  Account XXXX has violated my rights XXXXXXXX XXXX XXXX - Account number 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 instructions
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received a false debt collection reported by XXXX, which was never sent prior. No validation or substantiation was provided previously.
Product: Debt collection

Synchrony bank has consistently been harassing my ex boyfriends parents when there number was never given out. I am going through bankruptcy and the debt will be taken care of after my discharge. I do n't appreciate people knowing my business when I no longer speak nor see them
Product: Credit reporting, credit repair services, or other personal consumer reports

Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. Do not confuse me with relatives with the same name or address. Verify all identifying information. Do not confuse me with relatives with similar names or addresses. Verify all identifying information. I have listed the concerns I have about your reporting in this document. It is not complete and does not meet my standards. According to the law, you and the data furnishers must certify all aspects of the required FCRA and Metro 2 compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you do not process my letters, you are violating my rights as a consumer.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan on XX/XX/XXXX in the amount of {$21000.00} through Best Egg there origination fee was {$1200.00} the Lender is XXXX XXXXXXXX XXXX My monthly payments are {$640.00}. The loan interest rate is XXXX percent annual. My first payment was on XX/XX/XXXX. 
from that month to this present month XX/XX/XXXX, I paid {$7100.00}, XXXX XXXX dollars from my monthly payments went to the the interest, with only {$2100.00} going towards my outstanding balance of {$21000.00} which is now stands at {$19000.00}. This is where i am having a problem, why I am paying so much interest, I spoke to a Best Egg representative concerning this problem, she told that is how it is, I then ask to speak to a Supervisor, who then told me there is nothing she can do also, she then ask me if i want to enter a hardship program, i told her no, my problem is with the outrageous interest, she then said that is all she can offer me. I am seriously requesting the attorney general assistance with this problem, these charges by best egg and the XXXX XXXX XXXXXXXX XXXX  are absurd and myself as a consumer, should not be going through this. 
Thank You XXXX XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 


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 reporting, credit repair services, or other personal consumer reports

My account was charged off in XX/XX/XXXX with a balance of {$35.00}, XXXX. The same account is charged off again XX/XX/XXXX and XXXX, XXXX with a new balance of {$36.00}, XXXX by Transunion and XXXX respectively. I had noticed a change in my account balance by Transunion and XXXX. This prompted me to send letters to the 3 credit bureaus because my account information/ balance should be uniform across the credit bureaus if it is coming from a single source ( XXXX XXXX ). Subsequently, XXXX simply updated my balance from {$35000.00} to {$36.00}, XXXX with a new charge off date of XXXX, XXXX. This doesn't seem right because the same account should not be charged off again. Also, it doesn't make sense that 3 credit bureaus are reporting different information from a account that is coming from a single source. 

XXXXXXXX XXXX is aware of this as I also requested for a full validation of my account, including the original signed contract with my signature.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

there is 4 bankruptcies reported on my credit report within 1 year span, This information is incorrect. Bankruptcy courts do not report filing with credit agencies And it is impossible for anyone to file 4 bankruptcies in 1 year. I have disputed and they have never verified where they get their information. I have been disputing this since 2018 XXXX removed it but XXXX and experian has not
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a lot of information that does not match across the bureaus. The accounts are reported differently between the bureaus and a direct violation of FCRA 623 Responsibilities of the data furnishers. Also, please provide documentation that the following accounts belong on my credit report and that my rights have not been abrogated. Additionally, Experian is reporting DELETED accounts from another bureau on my file. Per FCRA, reporting must be 100 % accurate. Please eliminate this damaging data immediately. 

XXXX CARD XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX, XXXX  XXXX Bankruptcy XXXX
Product: Credit card or prepaid card

My last CFPB complaint was intended for : Mail Code : " XXXX '' XXXX XXXX XXXX XXXX 
XXXX, OH XXXX Executive Office of Chase Bank, I have filed a separate CFPB complaint on XX/XX/2022 to raise awareness to my rights which were violated. I spoke to a handful of chase employees along with your corporate employees have willfully ignored my demand for abiding by the law. 

I have mentioned I, the consumer and natural person, extended my credit and was initially discriminated against in the extension of credit by Chase applying for the CHASE VISA SIGNATURE BSUINESS card account. 

I was discriminated against in this transaction and will not tolerate this any further. Adverse action against a consumer is against the law 15 U.S.C 1691 ( C ) and Chase will be held responsible through civil liability. 

I have no received any acceptable responses since then indicating that Chase would do anything to resolve this matter.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I have been a victim of identity theft and found numerous credit inquiries that I have no knowledgeof. The inquires are as follows : XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXL XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX. Please remove these fraudulent inquiries from my credit report. My identity theft report is attached to this complaint.
Product: Student loan

I have a student loan with Navient. I am on an Income Based Payment Plan. 

My monthly payments are {$180.00}. 

I paid my XXXX balance on XX/XX/2018. 

On XX/XX/XXXX, I check to make sure the payment was applied. But it was only applied to part of my loans and not distributed evenly as agreed upon. This caused me to have a remaining balance of {$100.00}. I called Navient and they fixed the problem BUT If I didn't check myself, I would have been behind payments at no fault of my own. 

Navient couldn't tell my why the problem occurred. And I found out this has been happening for the previous 3 months. I've been over paying my balance and Navient fixes it when its convenient for them. I am sure they are doing this to other consumers! Think about the consumers who don't check or the one who don't call Navient and continue to over pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Transunion credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and DELETE : XXXX XXXX XXXX XXXX Date Opened XXXX. XXXXXXXX XXXX XXXX ; {$0.00}
Product: Debt collection

I have a outstanding child support collection on my transition credit report also on my XXXX credit report im no longer on child support and I was taken off and all my back was forgiven, I have XXXX in collections that Im not due to pay I submitted this same claim but on XXXX and it was removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 


In Accordance with the Fair Credit Reporting act My name, address and work is incorrect on my credit file. 

and it has violated my rights. 

correction of ( name ) should be : XXXX XXXX XXXX corrections of ( Date Of Birth ) XXXX correction of ( Social Security # ) : XXXX correction of address should be : XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX Correction of Employer should be : XXXX XXXX 15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A 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

Inquires DO NOT BELONG TO ME
Product: Credit card or prepaid card

I called Citibank and inquired why I had n't received my new credit card and was told that I had an outstanding balance over 90 days old and that I could not receive my card until I paid my bill of {$4100.00} for charges occurring between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I asked why I had n't been notified and was told they sent me the bills and notices in the mail and I never responded. I then discovered they had the wrong address and telephone number in their system. See attached letter for details.
Product: Debt collection

I have been served a notice by XXXX XXXX, XXXX that they are going to collect {$620.00} from me. They state on their letter they are working on behalf of Orion Portfolio Services , LLC and the former creditor was XXXX XXXX. I have never done business with XXXX XXXX XXXX and am not certain what this is about, but due to the former creditor, I suspect it has to do with my time in XXXX, TX. In the fall of 2012, I worked for the XXXX XXXX XXXX XXXX, XXXX, TX and was assigned housing belonging to the school district. When I left the job in XX/XX/2012, I closed out the accounts associated with the housing, including the utilities. I did this in person in their offices. Later, I was notified by the utility that I owed them several months worth of electric bills for a period of time after I had left the premises and was no longer in the housing. I contacted them and let them know that this was not my debt and the problem was they had multiple addresses for the same houses and had mistakenly assigned this debt from another house to me. The assured me at the time they had cleared it up and I have not heard anything more about this issue until now. It is their responsibility of XXXX and Orion Portfolio Services to verity the accuracy of any efforts to collect a debt before sending out letters such as this. I am notifying the company, in writing, that I dispute this debt and will also notify them that I have filed a formal complaint against them. I have attached a copy of the letter they sent to me.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX
Product: Debt collection

XXXX account was completed on 2 year agreement back in XXXX  and both phones were returned back to XXXX store and last monthly bill was paid to a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had an account with Best Buy ( Citibank ) for over 24 months. I have NEVER been late, always paid on time. On XX/XX/2022 I noticed a late mark on my credit report and I immediately called Best Buy. I explained to them that I had a fraud alert on my card ( someone was taking money out of my bank ) and I cancelled that account. I told the agent I had NEVER been late and if they could please remove that late mark as it had DESTROYED my credit score. She said " Yes of course, we'll go ahead and DELETE this late mark right now and you should see no late mark on your report in 30-60 days with our updates '' I said thanks and patiently waited for 30 days .... nothing ... then 60 days... still nothing. I called again late XX/XX/2022 and spoke to another agent and explained the situation. He said " Oh yes I do see that it will be removed in the next 2 days. It looks like you called a few days before the 60 day mark so by XXXX it will be REMOVED '' I said okay great thanks and patiently waited. Fast forward to XX/XX/XXXX, still NO UPDATES..so I called for the 3rd time and spoke to an agent that said " No we do not do credit updates and will never do that so I apologize for the wrong info. Theres nothing that we can do '' SERIOUSLY?!?! I am so frustrated with Best Buy ( Citibank ) on this. I NEED SOMEONE TO FIX THIS ERROR. You guys just let your agents LIE to your customers?!?!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX2019 LVNV FUNDING added a derogatory mark on my credit report. Upon further investigation, this account was sold and I am not responsible for it. LVNV FUNDING did not verify this collection. Also, after requesting validation there was no written form of communication, contract or signature for this accused debt. A bill without a signature does not validate a debt. Anybody can send a bill without a written signature and say it's mine. According to the FCRA they violated my rights as a consumer and I am requesting legal action to have this account removed immediately.
Product: Credit reporting or other personal consumer reports

I have been trying to get Shellpontie - NewRez to correct the principal balance for several weeks. The servicing was transferred in XX/XX/2024 and the principal balance was updated on XX/XX/XXXX to reflect a {$300000.00} principal payment. 

As of today/s date, the principal balance still reflects {$30000.00} too much. 

I did file a dispute with the credit agencies, but because I have had so much trouble with this servicer, I feel there will be no resolution. 

This has been a nightmare from day one for us, I just want the credit balance correct. This affects our debt-to-income ratio. 

Please assist with this issue and have it resolved in a timely fashion. 

I have all kinds of supporting documentation if needed. 

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

This has been like the 5th time I have accounts and other info on my credit report from identity theft. I have submitted a police report to all three credit bureaus, froze my credit, and filed claims with them directly and not only is there still fraudulent Info still on there but someone has been able to get another account on my credit fraudulently even after I put the fraud alert on it. There is now an account from XXXX XXXX XXXX  that was open in XXXX of XXXX  and incorrect reporting of late payments on the mortgage I had with XXXX XXXX when they were not late but on forbearance. I am tired of these bureaus not doing the proper investigation to remove fraudulent accounts and errors and still allowing it to happen.