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

Experian and XXXX should not be reporting a balance of {$30000.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was stolen and the insurance company paid off any balance due. I have attached a copy of the police report and insurance documents for reference. This account needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not missed any payments in over a year. I have NO collection or deliquent accounts. I have submitted 3 disputes in the last year and my credit score remains stuck on stupid. I make over {$150000.00} a year, yet XXXX says my credit score is XXXX! Please help ... ... ... ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and result from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA Section 605b. In order to help prevent false information from being submitted to my report, I have included a few papers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It appears that XXXX XXXX and XXXX is a collection agency reporting a frivolous account.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l 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 XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXX XXXX account number XXXX in accordance wit the fair credit reporting act XXXX  accounts number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights.

15 u.s.c 1681 section 602 a.states I have the right to privacy.

15 u.s.c 1681 section 604 a. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may Concern : In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instrucions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX late postings XXXX XXXX, XXXX, XXXX and XXXX XXXX late postings XXXX XXXX XXXX  late postings XXXX XX/XX/XXXX XXXX
Product: Debt collection

I was contacted by phone from Continental Credit Control on XX/XX/2018 to collect a supposed debt. I sent a letter via certified mail on XX/XX/18 asking Continental Credit Control to verify my debt. Continental Credit Control have never sent me any information to verify my debt, but has continuously called me on XX/XX/18, XX/XX/18, XX/XX/18, and XX/XX/18.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account number XXXX in the amount of {$8900.00} XXXX Account number XXXX in the amount of {$1200.00}. 
XXXX Account number XXXX in the amount of {$470.00}. 
XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX amount of {$14000.00}. 
XXXX XXXX Account number XXXX in the amount of {$7200.00}. 
XXXX XXXX XXXXXXXX XXXX Account number XXXX amount of {$14000.00}. 
XXXX XXXX Account number XXXX amount of {$4200.00}. 
XXXX XXXX XXXX Account number XXXX amount of {$20000.00}. 
XXXX XXXX Account number XXXX amount of {$11000.00}. 
XXXX XXXX XXXX XXXX Account number XXXX amount of {$1000.00}. 
XXXX XXXX XXXX XXXX Account number XXXX amount {$5500.00}. 
XXXXXXXX XXXX XXXXXXXX account number XXXX amount {$8500.00}. 
XXXX XXXX XXXX account number XXXX amount of {$9000.00}. 

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 : Also states a consumer reporting agency can not furnish an account without my written permission.
Product: Debt collection

I sent USCB a certified letter back in XXXX asking them to send me proof of verification and I just received another letter which is not what was requested from them. 
I received from the post office return signature which I have enclosed
Product: Student loan

Hello I am familiar with a lawsuit that you and Attorney General XXXX XXXX have made against Navient and XXXX XXXX and I would like a voice in this matter! I am one of the many students affected by the company Navient. 

I recently read the article on what you plan to do to these big loan companies. One of which I actually have student loans with and let me tell you they are n't pretty. I am XXXX years old and moved to XXXX in 2015 to attend the XXXX. I graduated XX/XX/XXXX, and I am still in New York pursing my XXXX career. I already have a XXXX and XXXX, but naturally I am struggling. To come here I took out the Parent Plus Loan. The first year my parents co-signed and the second year my now retired grandparents co-signed. I currently have {$80000.00} of student loan debt in my name. The funny part is that {$65000.00} of that debt is technically under my parents because they co-signed, and they are basing my payment plan on the {$70000.00} my dad makes in a year. But the kicker is that my parents are unable to help me pay my loans because they are caring for XXXX other children at home. So I am in this alone with a payment of {$480.00} every month for the next 25 years. That payment on top of {$770.00} for rent, {$110.00} for my monthly XXXX card, and {$100.00} a month for groceries. I am working XXXX jobs and having to sacrifice money for the student loan payment and rent out of my grocery money. The XXXX jobs are not cutting it and I might even have to get a XXXX. I have not time or effort to put into my career and it really makes me sad. I even went so far as setting up a XXXX account to see if I could wrangle up any kind of help. I hold an XXXX in XXXX. XXXX is my passion, the only thing I want to do and I barley have time to dedicate to it because I am working day and night just to have enough to survive life and the loan. I really want to be a part of what you are doing and have a voice in the matter. I want to be a part of this and maybe some relief for XXXX just like me can come of this. If you read this email PLEASE HELP. I ca n't do this alone anymore.
Product: Student loan

For the last XXXX  days, I have been calling Aidvantage and emailing them on the status of my due refund from my XXXX XXXX  case that has been completed. My XXXX XXXX claim was processed and loans forgiven to my servicer XXXX XXXX. I have been requesting my refund of loans that were XXXX and forgiven or what I paid on them for some time now. This week I got a response that I needed to call XXXX XXXX  for the status and information. They keep telling me that I need to reach out to XXXX XXXX and that they have nothing, I called XXXX XXXX they said that my refund status was approved and sent over to the loan servicer so I needed to call them. I called them and they say that they have nothing and that I need to call XXXX XXXX i called XXXX XXXX again and they told me I need to submit a complaint at this time because they have sent them the refund information to be processed.
Product: Credit card or prepaid card

I am a current customer with a SavorOne Rewards card. If you visit this website you will see the new cardholder bonus offer. I have attempted to call into the foreign call center multiple times and they do not understand or know about it. 

https : //www.capitalone.comXXXX I have nearly spent {$500.00} within the first 3 months. I would like to receive the {$200.00} cash back bonus. 

My new phone number is XXXX I am not happy with Capital One. I have never had to complain about XXXX. So if I do not get a {$200.00} bonus I will gladly close my account with Capital One and no longer be a customer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/year> XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, PA XXXX XXXX, GA XXXX XXXX XXXX XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) 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 of 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 file 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. 

Please remove the following item ( s ) from my report, immediately : Account : I.C.System | # XXXX {$1100.00} -This account is being reported inaccurately, please remove this from my credit report immediately.
Product: Credit card

I saw this account on my credit report. I have never received any information on this debt. This collection agency is in violation of my rights because I never gave the original creditor permission to give my information to anyone. I also, asked them to send me the verification process for this debt with and the certified mail receipt with my signature. XXXX also sold this debt and is reporting false payment information that I didnt make. This is a fraudulent credit card that was opened without my consent then sold to a collection called XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked credit report and noticed two unauthorized accounts on my file.
Product: Credit reporting or other personal consumer reports

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached " PORTFOLIO RECOVERY open balance {$750.00} last reported XX/XX/XXXX. Original creditor. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX. the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX  XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 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

I have check my credit and realize that my identity had been stolen and accounts had been opened without my knowledge, recent data breaches has exposed my personal information, please block these items that do not belong to me, thank you.
Product: Credit card

I got a call on XX/XX/2024 from XXXX XXXX about a vehicle that i did not try to purchase. so i took a look at my credit inquires and i see quite a few on there that i did not authorize. including this one.
Product: Checking or savings account

I have been a Chime member for over three years. I have had nothing but a positive experience until XX/XX/XXXX, when my account was hacked, and money was stolen from me. I had previously heard of other members experiencing fraud through Chime, but I refused to accept it. On XX/XX/XXXX, I received a notification from Chime indicating that my app had been accessed from a new location, and a new device. Immediately following that notification, I received another one stating that a transfer in the amount of {$360.00} was made to XXXX. I tried logging into my app shortly after, in hopes of figuring out what had transpired, only to see that I had been completely logged out of my app, and the password was reset, preventing me from logging back in. After this unauthorized transaction and failure to log into the app, I contacted Chime by phone in hopes of having the matter resolved quickly. Instead, I was met with customer service agents who went through the motions of investigating my case. These agents submitted a dispute of the transaction, and in less than 24 hours provided an update indicating, Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. Despite providing several screenshots of proof that I did not authorize any payments to any person, and proof that my account was accessed from a different location and device, Chime customer service failed to help me. In all of the years that I have used Chime, I had only used the Pay Friends feature, to make transfers between my fathers account and myself, therefore it is impossible that I would have made any transfers to other individuals. I am still arguing with them in hopes that they will return my funds.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX XXXX XXXX Account name : # XXXX XXXX XXXX XXXX XXXX XXXX Account name : # XXXX # XXXX XXXX XXXX XXXX Account name : # XXXX XXXX XXXX Account name : # XXXX XXXX  XXXX system has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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. 

and according to 15 USC 1681s-2 they are supposed to 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 or other personal consumer reports

I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home for my new family with a baby on the way Please remove unauthorized inquiries from my credit report As soon as possible SEE ATTACHED. 


COLLECTION - 15 us code 1692j - furnishing certain forms - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, someone gained unauthorized access to my Venmo account, resulting in the withdrawal of {$1000.00} from my checking account. The the hacker then attempted to use my credit card, and the CC company flagged the transaction as suspicious and contacted me, preventing any further damage. Venmo reimbursed the {$1000.00}. 
Since that time, I have received many emails ( often multiple times a day ) warning me of sign-in attempts to my account. I called Venmo and they told me that my account is " locked '' but not " closed ''. The only way that I can close the account is to upload to their website : 1 ) an unobscured color picture of your unexpired US government-issued ID AND 2 ) a selfie of you holding your ID I do not feel comfortable doing that because I have already been hacked once. I have spoken to several people at Venmo, and all confirm that there is nothing they can do without me sending the information above. I have no doubt that the people I have spoken to at Venmo are telling me what the company policy is, but shouldn't there be another way for me to close my account? I've closed many types of accounts over the years and have never been required to transmit this personal information. 

It is 18 months later and I continue to have sign-in attempts to my account. 

I have communicated with the following people : XX/XX/XXXX : Reached out to customer support. ( request # XXXX. ) XXXX. Account Specialist | Venmo XX/XX/XXXX : Reached out to customer support ( request # XXXX ). 
XXXX : Communicated with customer support members XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 
XX/XX/XXXX : Submitted a claim to The XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was informed on XX/XX/XXXX that CFPB is the agency with oversight of this matter.
Product: Credit card

I always make my payments on time and am certain of this. What confuses me is why this company is reporting late payments for certain months, which shouldn't be happening. According to USC 1666b, any billing errors should be corrected, or else the company owes me {$1000.00} for each inaccurately reported account.
Product: Credit card

We purchased a new boiler for our home and the financing ( ie : credit card ) was done through synchrony.com. On top of the 26.99 % interest rate ( after the introductory period ), this credit card charges {$1.00} to send a paper bill. The company will not stop accept a request to stop paper bills by phone. In order to go " paperless '' you must have the skills and computer access to go online, register on their website, navigate through their system and " go paperless '', thereby opting out of getting the XXXX XXXXXXXXmonth paper bills. This is a predatory business practice. It is time consuming and difficult to figure out how to " go paperless '' in their system.
Product: Credit reporting or other personal consumer reports

Investigation took longer than 30 days and did not send any validation after it was requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

old info, act is aged 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  account number XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

and according to 15 USC 1681s-2 they are suppose to 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.