23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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: Debt collection

I received a letter from Sarma Collections , Inc around XXXX XX/XX/year>. I contacted them on XXXX XX/XX/year> to seize and desist and to stop contacting me because I have never transacted any business with the company. I want the company to stop contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

Dear Experian, I looked at my credit report on XX/XX/year> and, I am writing to dispute the accuracy of certain information on my credit report, which violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are inaccurate and have violated my rights : - XXXX XXXX  : # XXXX I obtained a copy of my Experian credit report on XX/XX/year>, and noticed that the above-mentioned accounts contain inaccurate and incomplete information. As a consumer reporting agency, Experian has a responsibility to follow reasonable procedures to ensure the maximum possible accuracy of the information concerning me, as required by 15 USC 1681e ( b ). Furthermore, pursuant to 15 USC 1681i ( a ) ( 5 ), I request that you please delete any information that can not be verified or is found to be inaccurate.
Product: Money transfer, virtual currency, or money service

I sent  XXXX  to my  XXXX    XXXX   XXXX   company via   XXXX  a t  XXXX  last week on  XXXX . I paid {$1.00} for next day delivery. It is now over a week, and there is no sign of my payment being sent to  XXXX .    XXXX   XXXX    hold times on the phone are over an hour long. I have heard they have had  IT iss ues last week, but this is unacceptable.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, I have discovered unauthorized activity on my credit report that I did not initiate. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the blocking and deletion of the following accounts and inquiries.

Fraudulent Accounts XXXX. XXXX XXXX XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$2100.00} XXXX. XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX, Experian and XXXX on multiple occasions via regular mail, certified mail and online disputes trying to get XXXX XXXX off of my credit report. My car was repossessed and I got it back and paid it off in but it is reporting derogatory information on my credit report. I am trying to get a job with the government and this negative information is hindering the process. The account is over XXXX years old and neither reporting agency will remove it.
Product: Credit card or prepaid card

Ive seeked a Debt Management company for help paying off my Discover Credit Card. I was charged very high interest even after being accepted into the debt manangement program. I reached out to XXXX XXXX XXXX about this, but havent been helped. Im currently supporting my XXXX father and undergoing financial hardships. I am paying for my college loans as well which is making it hard to pay these debts in full. Id like to get help with the high interest fees Ive been paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and bank of America are all showing on a XXXX XXXX consumer report these are all stemming from identity theft in which I've sent police reports affidavits and ftc reports these financial institutions have chosen to violate my rights and not remove these invalid and illegal accounts from thier system over hired an attorney to take matters to local and federal courts
Product: Vehicle loan or lease

I contacted Capital One at the end of XX/XX/XXXX, beginning of XX/XX/XXXX in an attempt to do an extension on my XX/XX/XXXX car payment, due to some extra expenses. The extension was denied, however nobody was able to explain to me why or what are the requirements to obtain one in the event that I need it in the future. All they could say was that " the system '' did not show it as an option ; that " the system '' makes the decision based on my " account status '' ... but were unable to provide what information is fed to the system in order for it to produce said results. As an XXXX XXXX XXXX I was left feeling that the denial is due to a fear from the lender of being unable to repay due to my race, sex and relationship status.
Product: Payday loan, title loan, or personal loan

When i signed this loan I was told my payments would be due on the XXXX of each month, starting XX/XX/XXXX. The company has withdrawn the balance due directly from my account on three occasions, several days BEFORE my payment is due. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Taking money out of my account days in advance of when it is due causes a hardship. 

The company has responded that this is their regular processing and is a matter of timing considering some banks don't release the money right away when a request for a payment is made. 

I want this process of taking money out of my account early to end.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries on my report I do not recognize. I have contacted the companies and they have told me to reach out to bureaus directly because they could not locate the identifiers I provided. 

Companies are : XXXX XXXX Credit Plus, XXXX 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
Product: Credit reporting

The Lien on my credit report with Transunion does not belong to me it belongs to my sister in law with different date of birth and social. Disputed with Transunion and they refuse ro remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, and XX/XX/2023, I contacted XXXX XXXX regarding a wrong or an error late payment reporting. After the representative transferred me to the manager in charge. He stated that the payment by ERROR was skipped the previous month, and got applied to the next or following month. Since you've never been late, and you have a great payment history. I would suggest you only way for resolution is to contact the credit bureau reporting this mistake by ERROR in this case EXPERIAN. I have NEVER been late and XXXX payment history is always on-time and current.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Good afternoon I have my mortgage with XXXX XXXX XXXX in XXXX XXXX XXXX XXXX. Since last year I been asking the for my Billing Statement and they refuse to send me the document instead the continue send me a regular payment book, This is not providing me with the information require by Billing statement Act. Today I call again and spoke with the servicing manager XXXX XXXX and she told me that they are not obligate to send this document they are sending this document only to the clients with direct payments. they have more than 2,500 loan on servicing and refuse to comply with the Billing Statement establish on XX/XX/2014. My Loan number is XXXX and my full name is XXXX XXXX. My phone number is XXXX I appreciates your help on this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Chase customer that recently refinanced my mortgage. 
My Chase XXXX XXXX score is XXXX. 
I applied for a Chase refinance and on XX/XX/2021, Chase informed me that my credit was XXXX for the refinance. 

Why is Chase selling me products based on a XXXX score and informing me that I have a XXXX credit score? 
This deceptive bait and switch is not acceptable and deceitful.
Product: Debt collection

A debt in my collections from XXXX was removed and added as new. It was illegally aged and my disputes changed nothing. The company had to opportunity to correct any errors.
Product: Credit reporting or other personal consumer reports

This is my numerous requests 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a certified dispute letter to Experian regarding reportings of bankruptcy on my credit report. I asked that the information be removed because they are not my files and to provide proof of verification on how they obtained this information. On XX/XX/2018, I received an email from experian stating that the information was updated and is accurate. On XX/XX/XXXX I called experian to receive proof of verification and I was laughed at over the phone, I was told they didnt have to provide proof of who reported it. I also spoke with a floor supervisor name XXXX who states he is in a call center in XXXX XXXX XXXX XXXX. XXXX informs me that the bankruptcy court verified this information. However I spoke with the clerk of the US Bankruptcy Court of XXXX District Georgia who informed me that they do not report any information to the credit agencies. Experian is refusing to provide me with the company whom they claim verified this information. And based on the information I received they did not get verification.
Product: Credit reporting or other personal consumer reports

I have tried to fix incorrect information on my credit report from all three credit Bureaus XXXX, TransUnion and XXXX months ago and many incorrect information is still being reported on my report for some time now which is very damaging to my name, reputation, character and my credit worthiness. I have been denied credit many times and have had high rates with Loans due to my credit reports having inaccurate information which puts me at a frustrating point to struggle to do any form of business or personal matters.

There are multiple different names and multiple un-mailable addresses and wrong phone numbers and charge offs reported on my report which according the IRS publication charge offs are INCOME and must not be reported on any credit report but its is on mine I have uploaded two of my reports I can't upload all three website state too much file but you can see from my credit report many inaccuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a car loan with this company in XX/XX/2021. It is still showing as " in repossession '' on my credit report. I've written them a goodwill letter asking them to update the status to reflect a " PAID '' trade or delete the account in its entirety and they have thus far refused to either. This is grossly affecting my ability to obtain new financing. 

This is also the same company in my previous complaint, that is in breach of contract by routinely mis-applying " on time '' principal and interest payments. 

Lets be clear, in reference to the previous loan, they sold me a lemon ( had the car less then three months ) and they have kept my down payment, all of the bi-weekly P & I payments that I made, took the car back ( auctioned it off ) and I STILL paid off a {$5000.00} deficient balance because they way overcharged me for the car in the first place. They made their money. I paid off the loan. 

I just want the repossession status gone, or the account deleted in all fairness.
Product: Student loan

My daughter and I have been trying to work with Navient for almost 12 full months as of XX/XX/2019 trying to lower her monthly payment to an affordable amount. I am positive we signed up for a Fixed Interest Rate, but they continue to raise the interest rate stating we signed up for Variable Rate. I can not find our loan documents on their website either. We have recently called to request a copy of this information.

I am cosignor on this loan with my daughter but since cosigning have become XXXX XXXX, unable to work and therefore, unable to help her make payments on this loan. Navient doesn't seem to think that is an issue.

Navient continues to offer no solutions to be able to afford a payment. She has used her 12 months of forebearance as of XX/XX/2019 trying to work with them to help her be able to afford payments. Navient has offered her interest only payments, or forebearance. Neither of those options HELP. We have called them monthly if not twice a month hoping to find the right person to answer and help offer a solution.

She isn't looking to not pay her debts, she just wants to be able to feed her family and enjoy life a little while paying her debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX ( collection/charge-off ) claim ; this is a blatant error ... I settled this account before it went into collections, yet the bureaus insist on reporting it wrong ... I have contacted the creditor and the creditor concurred and said it is invalid and should not be on my report ... 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB complaints on complaint numbers ; XXXX XXXX XXXX These 3 Credit Reporting Agencies are are now in violation of 15 U.S. Code 1681c-2 - Block of information resulting from Identity Theft ( a ) Block 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, no later then 4 days after the receipt by such agency of- Companies says that they never recieved a FTC report when a copy is obviously attached to and submitted to the complaints.
Product: Debt collection

On  XXXX   XXXX  AR Resources did knowingl y n willfully violate 15 USC 1692 ( 809 )   when they published their trade line to my credit report without sending the mandated assignment letter called for under this section if the FDCPA  n FLA STATUTE 95.11.      I say this due to  XXXX   XXXX  professionals sent this to them due to their mail being returned. Therefore, AR Resources had no VALID mailing address in which to follo w n adh ere to the FCCPA NOR THE FDCPA.     I contacted this agency on the morning on  XXXX   XXXX . I was spoken to by a very rude rep whom i informed that i had contacted  XXXX   XXXX  notified them i had ins for the  XXXX  hospital visit  n i wanted their trade libe off my report. She then connected me to a very rude condescending supervisor who told me " well i do n't wan na say i will do that n u call back in an hour n say it  is still on your report ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent in an investigation request to the credit bureaus. They are supposed to respond within 30 days, but they have not. I have also sent a follow up letter, but that has also gone unanswered.
Product: Debt collection

I received a letter over the XXXX holidays for an amount I owed my medical provider in XXXX. The total amount seems suspicious and very low ( totals to less than {$100.00} ). But this debt collection company XXXX XXXX has added on {$2200.00} as additional and {$550.00} as interest! 

To my knowledge Ive paid all the bills correctly with my medical provider. 

In addition, they claim to begin collection activities within 10 days of receipt of the mail. Unfortunately that means that due to the holidays, it leaves me very little time to respond and investigate. 

Plus, adding XXXX dollars to a XXXX dollar debt seems ridiculous. Please help!
Product: Debt collection

This company calls frequently but does not leave any messages. I have blocked these numbers but they continue to call back using other phone numbers.
Product: Student loan

I have been paying my student loans since XX/XX/XXXX of {$31000.00} XXXX started paying {$250.00} and per tax notices yearly, I should have paid down about {$12000.00}, about $ 100 monthly for 10 years when in XXXX, I lost my job and they lowered by payments that I am only paying interest no principal of {$160.00} So as of today, I, per their records, I owe {$26000.00}. Per my records, I should only owe about {$19000.00}. I am XXXX XXXX XXXX and will be retiring next year and will be living on a fixed income and my payments will be going up from {$160.00} to XXXX for another 8 years in XX/XX/XXXX at my full retirement age. I want to know where my $ XXXX is? This in unacceptable that I have to take their word for what I owe. So I will have paid on my loan for 23 years. I will be XXXX when my loans are finally paid off. Can you please help see what happened when my loan was taken over by Navient? They claim I owed {$28000.00} in XX/XX/XXXX when I should have only owed {$31000.00} less the {$9000.00} principal paid for XXXX XXXX years or 90 months of $ 100 monthly for a total of {$22000.00}.
Product: Credit reporting or other personal consumer reports

I asked the credit bureau 's to do a verification that everything was correct across all three credit bureau 's for a collection bill. The original creditor is XXXX XXXX XXXX XXXX  for a amount of XXXX dollars that's in Collections after the dispute. They told me that there were changed items but never removed it off my report when I researched myself. I found inconsistencies across all 3 credit bureau 's and believe this should be removed due to the inconsistencies, as well as the fair credit act saying it must be Accurate.
Product: Debt collection

Disputed items based off non matching identification number. Identification number does not match my address. Ive requested that they send proof of debt multiple times with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many many requests to Experian and XXXX XXXX XXXX XXXX XXXX XXXX ) to supply the VALID and COMPLETED permissible permission used to access my credit report in XX/XX/2017. I can not tell these two professional companies that once I receive this document I can prove the loan was fraudulent. I can't say this because Experian takes off in another direction regarding fraud and XXXX sends me a letter requesting more of my personal information to investigate fraud when they never had the right to receive my personal information what they currently have. This is a simple request and I am not speaking another language. Perhaps I am speaking to a foreign country that can not understand a simple request but would rather push a button for a programmed response..
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

TransUnion XXXX XXXX has reported a debt on my credit report. Account opened XX/XX/2020 The amount is {$1100.00} for a medical debt that I have no knowledge of. When I ask them to send me detailed information they just tell me its verified. Im request that this fraudulent information be removed from my credit report