23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I started received mail a few weeks ago intended for different parties. I have no credit relationship with the other parties. I checked the credit report from Experian and under " Personal Information '', it lists a " known by '' name as XXXX. This is not my name and has never been my name. I have birth certificate as prove and official Department of State documentation. I attached XXXX documents which include credit report, and the mailings I received from institutions that use Credit Agencies. The names are those of my parents ( however, I can not conclusively state it is not a coincidence that the XXXX names on the envelopes are my parents who live on the other end of the country ) and have no association with this residence, nor do we have credit or business relationship.
Product: Debt collection

I have received a letter from convergent XXXX to collect a debt from XXXX for XXXX USD. I contacted XXXX as soon as I received their invoice and told them that this was an error. I spent a total of 1hr 30 minutes on the line with them the first time to be told that they agree that this is an error but for some issues with their system they can not clear the amount. They assured me that they would put notes in the account and that this was resolved from their side only for me to receive letters from this debt collection agency. The call I refer too was made on the XXXX of XX/XX/2022. I called them again after receiving this letter but could not complete the conversation after 30 minutes as the lines got disconnected as they usually do when they do not wan to solve these problems. 

Background I transferred 3 out of 4 lines from XXXX to another service provider in XXXX this year and paid them an amount XXXX XXXX which was outstanding and for contract closure. 3 of these 4 lines were ported to a new service provider and the 4th was to be cancelled. Due to an error on their part they suspended the 4 line instead of cancelling it and kept billing me for that 1 line. I have clarified this with them a few times and they have also agreed to this assuring me that the account notes will take care of this issue because their system can not. 

I do not owe them any money and should be compensated for spending my valuable time on resolving this ( 2-3 hrs. so far ) because of the threat of getting my credit score impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, XXXX placed XXXX ( XXXX ) Notice of XXXX XXXX on my Experian credit report. I contacted XXXX on XXXX separate previous occasions to work out a payment plan to avoid charge offs, but they were unwilling or unable to help me. The first Notice of Suit/Judgement is for {$100.00}, an amount which was charged off by XXXX on XX/XX/XXXX. My info from my XXXX account states a date filed with the court of XX/XX/XXXX and a date satisfied with the court of XX/XX/XXXX. I live in Connecticut and never received a notice of lawsuit from XXXX and there is no civil proceeding filed in XXXX XXXX XXXX. If they sued me which Experian indicated they did, they did not bring the action where I am domiciled. 
There is also a Notice of Suit/Judgment in the amount of {$150.00} on Experian, which XXXX charged off on XX/XX/XXXX. The date filed with XXXX is listed as XX/XX/XXXX and the date satisfied with XXXX is XX/XX/XXXX. Again, if they sued me XXXX did not file the action in Connecticut. 
Also, I was not given 30 days to respond to the charge offs. I want these items removed from my Experian credit report immediately. Thank you.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX EXP UNAUTHORIZED INQUIRY : XXXX XX/XX/2022 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 of 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

rWhat happened? I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted
Product: Credit card or prepaid card

Issue with chase banking/credit card service Hi, I have been using different type of credit cards along with chase credit card.. I have made a balance transfer on the credit card worth of XXXX $ at 0 % promotional APR one year back and I have been signed up for paperless statement and alerts to my email.. After an year, when I have opened my statement online, I have seen interest charge of {$140.00} ( on XXXX XXXX 2017 ) of balance transfer interest, without notifying me of my promotional APR of 0 % ends.. where as other banks use to alert me when their promotional APR ends.. seems chase has no such facility.. They do n't even mention anywhere saying that they do n't have such system FYI ... I have been using chase credit card since last 5 years never missed any payments and done on time When I spoke to customer care regarding this they do n't have proper answer to me and in the next month middle I have paid my balance in full as soon as I realized the ending of promotional APR They still charged me {$95.00} for the previous days in the month
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts, inquiries, and addresses on my credit report that I don't recognize and or that belong to me. Please remove them
Product: Credit reporting or other personal consumer reports

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advisedI have every intention of following through with this to protect my rights as a consumer. I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the FCRA. I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have NO record of me? 

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

XX/XX/XXXX Subject : Third Dispute Regarding Inaccurate Late Payments Dear CFPB, I am filing a formal complaint against your agency for failing to correct inaccurate information regarding late payments reported on my credit report for XXXX of my accounts. Despite multiple requests for correction, including letters dated XXXX and XXXX, my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Disputed Information : Late payment notations remain inaccurately reported despite my payment history showing all payments were made on time. Specifically, your records inaccurately report the following : XXXX late payment in XX/XX/XXXX. 
XXXX late payment in XX/XX/XXXX. 
These inaccuracies are reflected in the reports from both TransUnion and XXXX, while XXXX fails to report this account entirely. The remarks in your records indicate " Account was in dispute- now resolved - reported by subscriber, '' yet the errors remain uncorrected. 
Violations Identified : FCRA Violations : 15 U.S. Code 1681i : Requires credit reporting agencies to ensure the accuracy of information in consumer files. This has not been upheld in my case.

15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
PAANL Violations : Under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are obligated to provide timely statements to prevent unfair penalties to consumers. This responsibility has not been met, as evidenced by the inaccurate reporting.

Desired Resolution : Immediate removal of all inaccurate late payment notations from my credit report.

Written confirmation of the correction made to my credit file.

If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with relevant regulatory agencies and pursuing potential legal action.

Attachments : To assist with your investigation, I have included : Copy of my Social Security Number.

Copy of government-issued ID. 
Proof of address. 
Highlighted credit report indicating the inaccuracies. 
I kindly request that you provide a detailed description of the investigation process and the evidence used to validate the late payments within 15 days, as required by the FCRA. 
Thank you for your prompt attention to this matter. I look forward to receiving a resolution and confirmation of corrections within the timeframe mandated by law. 

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

Hello I attempted on several occasions to fix the errors on my report! I work extremely hard to pay my bills and also to keep good credit! I can not get a mortgage with XXXX XXXX because of these accounts that do not belong to me! I have submitted and am desperately seeking a resolution, please see the following accounts that do not belong to me! XXXX XXXX XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX  XXXX. All of these accounts have been sent in to all three credit reporting agencies and have been notified that they are no mine! Please Remove them inorder for me to obtain my life back!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit report on me XXXX, XXXX-XXXX.. I have never given permission for them to inquire my credit status, please remove it from my Transunion credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : Inaccurate Credit Reporting ( 15 USC 168152 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account XXXX  ACCOUNT NUMBER : XXXX is reporting a balance of {$8700.00} when it is my understanding an reason to believe that because this DEBT WAS CHARGE OFF by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact. this debt is cancelled and at least should not reflect the balance that is currently showing of {$8700.00} This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors.

Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my SSN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary.

If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf if myself by retained counsel. 

Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. 

Please forward any correspondence or changes to my credit report to the address listed above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX
Product: Credit card or prepaid card

Customer service states that a request in credit line increase led to a decrease in credit line when no visible changes t o credit score or rep ort were made. Shortly after the decrease in credit line, account was closed with no notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns.

Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person
Product: Money transfer, virtual currency, or money service

I created a Gemini.com account in order to aquire XXXX on XX/XX/XXXX. I then transferred funds to my account on XX/XX/XXXX ( {$1000.00} ), XX/XX/XXXX ( {$1000.00} ) and XX/XX/XXXX ( {$48000.00} ). 

On XX/XX/XXXX, I purchased XXXX XXXX. 
On XX/XX/XXXX, I purchased XXXX XXXX. 
XXXX XXXX purchased is XXXX XXXX. 

I have now waited over a month and have went through all verification requests required by Gemini but I still cant not send my XXXX from thier exhange to my hardware wallet. I have been in contact with customer service multiple times but nothing has changed. Gemini still will not let my XXXX be moved off thier exchange.
Product: Student loan

Hello my name is XXXX XXXX I have both private and federal loans with navient I previously went to XXXX XXXX who have recently closed for good on XX/XX/XXXXsince then I been inquriying information on the school closure discharge form that I heard about and once I found out about it I filled it out and sent it to navient XX/XX/XXXX since then I have heard nothing back from my services Navient and everytime I call and ask about I always get a different number to call. Then I was told the private loan I have does not qualify for that type of discharge when on the federal service aid website states that both loans can be discharged it does n't go into detail about what type of loan it just says federal and private. It 's hard enough trying to raise a family in today society on top of a school that promised job placement once graduating closes down where credits do n't transfer nor receive a certificate. When I attend XX/XX/XXXXXXXX I enrolled in XXXX XXXX which was one year and 4months to  complete the program due to there poor orginazation i was told that they did n't have instructors to teach the two classes I need to receive my certificate but I can be switch to a XXXX XXXX  program for 4 years and receive a bacholors degree. At the time I was frustrated about the change in course and not being able to complete my classes I chose not to do the 4year program. I do not believe it 's fair that I would have to pay a XXXX dollar loan when I was told I would receive a certificate and have job placement once graduated and now that the school I have no records of transcripts nor contracts that was signed. Going forward I believe this loan should definitely be discharge for false advertising and also because of the shcool closing. If I knew this process would be so depressing I would have never chose to go to XXXX XXXX which was a fraud school and anyone that attended and did n't receive a certificate should n't be forced to pay the balance nor does those type of loans have any options to help other then the 12 month rate reduction which is still a XXXX option if it 's a parent plus loan because it 's based on the parents income along with yours I need answers better yet would like to seen this XXXX dollar loan that I receive no certificate for no job placement nor credits transfer be discharged due to school closing.
Product: Vehicle loan or lease

In early XX/XX/2016, I rented a car from XXXX XXXX XXXX XXXX in XXXX XXXX Florida. I returned the car on time, and paid all rental charges. The employee at the rental car did a walk-around and confirmed that there was no damage to the car. Approximately 30 days later, XXXX   insisted that I had caused {$640.00} dollars in damage to the car, which I did not. I have been through 3 different collection agencies for XXXX, and XXXX itself, consistently disputing the claim. The most recent collection agency, XXXX XXXX, sent a demand for payment two weeks ago on a claim that they know is invalid. They also sent a false credit report on the claim to XXXX. I have refused to do any business at all with XXXX  since this incident, choosing other rental car businesses.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Im writing this letter in regard to the accounts listed below : Creditor : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account #. XXXXand Creditor : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account #. XXXX Reason : re-instated Instruction : Delete from my credit report ASAP. 

These accounts were already deleted from my credit report. Why have you re-inserted this account back on to my credit report? I went online and read the FCRA, and it stated that if you re-insert an account back onto a consumers credit report, you must notify the consumer of this action within five days of adding the account back onto the report. I never received any notification from your company.

This same law stated that if you fail to notify me, that it is a violation of the FCRA which carries fines if I decide to pursue litigation on this matter. Know to avoid me hiring an attorney to enforce my rights, Im asking your company to delete this account at once. Please send me an updated credit report within 10 days showing me that that the account above has been deleted.

If I dont hear from your company within that time frame, I will file complaints with the Attorney Generals Office and the Consumer Financial Protection Bureau . I will also hire an attorney to review this matter for me. 
CC, CFPB, XXXX
Product: Credit reporting

There is an open account shown on my credit report that is categorized as " family support ''. The lender is listed as New York State. This information is extremely outdated. That account has been paid in full as well as closed for several years. I feel it may be impacting my score and respectfully ask for your assistance in removing it. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was robbed of my purse and now I have these inquires where someone is trying to get credit and different things in my name. I did not do this & have no idea who this thief is.
Product: Debt collection

XX/XX/2021 I received a letter from XXXX, XXXX saying i owed a balance of ( {$9200.00} ) for a debt that has been sold to them from State Farm Bank , F.S.B . I Wrote XXXX a letter certified mailing, asking for debt validation XX/XX/2021, I havent yet got any form of response. I am very concerned on how cant I get the information when I see the activity dates on the account is constantly updating. XXXX told me to contact XXXX XXXX XXXX for more information regarding the debt and I have already did that before the debt was sold to them. It seems like I cant get any where with either XXXX of these companys when I am asking for validation.
Product: Debt collection

I have a personal loan with XXXX XXXX XXXX XXXX SC at XXXX XXXX XXXX XXXX. I have a balance of XXXX tha 's due. I Recently stop paying on the loan because I was being harassed. They would call me at work after I would tell them I could not have personal calls at work. They would call from there personal cell phones and block the number. The harassment got so bad that they would show up at my job and act as if they are a customer just to get me to come out and talk, and this has happen at least 4 time with them coming to my job. When they came to the job I would say, If i lose my job because you all keep coming up here then how would you all get paid. Me saying that did not help. It GOT SO BAD I WOULD HAVE BUSINESS CARDS STUCK ON MY DOOR ALONG WITH TONES OF MESSAGE. I recently changed my number because of the harassment.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus XXXX XXXX XXXX, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX XXXX since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Debt collection

Hello my name is XXXX XXXX and two weeks ago I got a notice from a collection agency saying i owe XXXX money for a bill for XX/XX/2021. The issue is I was not on XXXX service or network. My contract was over with them in XX/XX/2021 and the lease was formally paid off in that same month ( I still have the receipt that says " Lease termination with purchase " and that the Leasing charge for end of Lease ). I also have another receipt with the last payment for XXXX. I also called to follow up with XXXX around that same time and one of the store reps even said I owe the company nothing. 

Just today on XXXX I tried calling the debt service twice and didn't get a response.