23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My monthly payment is {$800.00}. I made my payments faithfully and when due. I made my payment, in full, XX/XX/XXXX. I received an email XX/XX/XXXX stating that my account is past due. I logged on to Navients because I thought it was a mistake, only to find that it stated I have a past due amount of {$230.00}. I called and they stated that it was accurate and keep sending me to multiple people, only for them to tell me the same thing. They then offer me an opportunity for forbearance, which I did not want. I have documentation that I exported from their website and from my bank account that shows the payment was made on time. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received a response from TransUnion stating that they have completed the investigation and verified everything as accurate. This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. Remove these late payments because I was never 30 days late on XX/XX/2022 I was only 27 days late XXXXXXXX XXXX XXXX Account Number : XXXX Please submit onto XXXX  Form and please remove late payments under section 1681s ( 2 ) ( b ) 2. This account is inaccurate because according to 15 USC 1666a a creditor can not adversely report to anyone about a consumer 's credit rating because of the obligor 's failure to pay. This can not be reported delinquent to a third party until the consumer has been given the same amount of days to make payment as provided in the credit card agreement. 
By them reporting this to a credit reporting agency is inaccurate reporting and a violation of the Fair Credit Billing Act XXXX  Account Number : XXXX Please Submit to XXXX XXXX and please Delete under section 1681s ( 2 ) ( b ) TransUnion has failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ). I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). TransUnion has 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Product: Credit reporting or other personal consumer reports

Inaccurate mailing address and home telephone number are on my credit report. 

Please correct my home telephone number on my report to reflect the new number : XXXX Please remove the following address from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent him many dispute letters asking for papers where they say that they are my accounts and the collections where it says that I sign some document to pay that debt to the collection companies but until now they never answer me with any document So in this case what I can do because XXXX, XXXX, XXXX keep reporting negative items on my credit score
Product: Debt collection

XXXX XXXX2014 fair collections and out XXXX XXXX @ XXXX XXXX XXXX {$6500.00} I despised this I dont understand why this is my responsibility. I lived in my boyfriends home but if I was ever gon na go live with my parents or stay a few days it was said I had to give my info. I was not working while living here nor was this my residence. Had I ever realized this debt would fall on me I never would have handed these people my info and if I needed to go home to my parents a shelter would have been a better option. Its infuriating this large sum is stuck on my credit and at no time did I ever say if my parents defaulted I would take responsibility for the money they owe. I had no job making it real hard for me to pay the $ XXXX monthly rent. Crooks I never spoke to anyone here at the property that I would gladly pay the rent. This is beyond upsetting I wish I was told the woman who rented the place to my parents never met me bet she has no clue who I am yet Im responsible.
Product: Debt collection

I have constantly contacted Equifax with concerns regarding accounts : XXXX XXXX XXXX  {$530.00} XXXX XXXX XXXX  {$1600.00} XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$200.00} XXXX with Consumer Affairs Office advised I would need to contact the police department and FTC regarding identity theft. They refuse to investigate as they should. They send the same generic dispute results and it is disgusting at this point. XXXX also confirmed my report can be accessed without my authorization causing unauthorized inquiries and there's nothing I can do about it besides report it to FTC and make a police report. 

XXXX advised they have an electronic system and communicate with the agencies and if matches their records it is verified. They are unable to submit to me the results of their investigation besides the generic language. 

To zoom in on an issue, XXXX XXXX XXXX have sent me a bill and have yet to show this is my debt. XXXX the original creditor, has first used XXXX XXXX, then XXXX  XXXX  now XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

XXXX is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as XXXX  6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 3 different dates of last payment between the credit bureaus XX/XX/XXXX, XX/XX/XXXX ( 2 year payment history ), and XX/XX/XXXX this account is re aged.they are reporting 2 different credit amounts {$2200.00} and {$0.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Product: Debt collection

I agreed to a judgement with a repayment plan with RECE ] VABLES MANAGEMENT PARTNERS, LLC in XX/XX/2017 for the amount of {$3000.00}. I have paid {$100.00} every month since. 
The company is reporting to my credit an amount owed significantly lower, {$800.00}, than what they are claiming is still owed {$1700.00}. When reviewing past payments there are multiple month over the last 2 years where the payments show received, but the balance doesn't change. 
When I requested records showing how payments and interest were being applied, the litigation office of RMP LLC, a woman I believe named XXXX, said they couldn't send me that and she would send me a copy of the agreed judgement. 
I have included screen shots from the RMP LLC website and highlighted where multiple payments were made and not applied to the balance, as well as a screenshot of credit report balance reported by RMP LLC, as well as the balance the company is saying is owed.
Product: Checking or savings account

Bank of America allowed fraudulent automated activity, XXXX transactions, etc., to occur with my account after I reported it inaccurate or fraudulently obtained. Bank of America did not return or investigate my claims, nor did they return my funds.
Product: Vehicle loan or lease

I am XXXX XXXX XXXX, consumer and natural living person submitting this complaint with no third party involved. 


On XX/XX/2022 I requested that Fifth Third Bank National Association present me with all statements in connection with the referenced account as I am disputing their claimed debt. I instructed them to cease any false, deceptive or misleading representation pursuant to 15 U.S. code 1692e and to cease collection of and the reporting of the referenced account while efforts were being made to reconcile the dispute. 

Not only has Fifth Third Bank National Association continued to call and text me everyday with deceptive and misleading language, they also ignored my request to reconcile this matter and instead reported detrimental information to credit reporting agencies against my instruction. I did not consent, benefit, nor authorize this account on my consumer report and Fifth Third Bank National Association has violated my right to privacy per federal consumer financial law.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX, XXXX, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX, XXXX, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against the, for similar violations. I request that the CFPB take action to ensure XXXX, XXXX, Experian complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

On XX/XX/2017 Equifax reported information that is found to be inaccurate and they fail to provide method of verification.
Product: Checking or savings account

I spoke to FNB Bank of PA on XX/XX/2020. I had problem with XXXX double billing me for my services. I explained to the bank my issue. The did nothing to help me. I was able to speak to XXXX  to have the funds returned to my account. In doing so i was charged traditional overdraft fees. FNB Bank of PA does not post in a timely manner. I which caused me to have an additional overdraft fee. 
I called them back on XX/XX/2020 to resolve this manner. Even based on the date that return was done. They still charged me an additional overdraft fee.
Product: Checking or savings account

I opened an account with Citibank, didn't make any deposits or anything for a while because I was going through the hiring process at the job I was applying for ( opened the acct to set up direct deposit with this bank ) I got my last check from my last job for {$3000.00} from home Depot. Started getting deposits from new job ( XXXX ) went to XXXX to buy new work clothes and a boot store for work boots. Then tried to buy a money order for my rent at the XXXX money order station ( {$1000.00} ) this was all on Friday XX/XX/2022, tried to use my debit card for the money order and was declined, got a notification from the Citi app asking if it was me, I clicked yes it told me to try again so I did and it declined, I called Citi the rep did some stuff on her computer and said try again and it declined, she tried more stuff on her computer and said try again and it declined. The rep then told me I was over my monthly limit, I have no monthly limit and if there is one it's definitely more than $ XXXX. I walked to the ATM machine right next to the cashier area and pulled out {$1200.00} for my rent money order. Next thing I know my account is blocked the rep tells me someone will call to clear it up in 24-48 hours. It's been 4 days now. I have no money other than what's left in my account ( around {$800.00} ) I can't go to work I have no gas I have no food I've called them every day and they just keep telling me it'll be 24 to 48 hours.
Product: Debt collection

I am writing this due to non-compliance with the CAPITAL ACCOUNTS. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.
Product: Credit card or prepaid card

XXXX  didn't mail me my entire billing history like I'd requested over the phone w/their customer service office to review the entire account so that all the invalid charges can be removed all at once instead of one by one. 

The company just mailed the latest bills for XX/XX/XXXX & XX/XX/XXXX which doesn't show all the charges for the entire month & there are still out of city/state/country charges on the account per the bill- XXXX XXXX XXXX XXXX / Etc.
Product: Credit card or prepaid card

This month on XX/XX/2020 I received a notice from Lowes Credit Card in XXXX Mi.that they checked my credit, and decided that the XXXX dollar limit that I had was to much, and they reduced it down to what is owed at XXXX dollars. They decided to do this during the covid- 19 pandemic. Adding to the already stress of worrying about my credit report among other stress related problems.
Product: Credit reporting or other personal consumer reports

I sent certified letters requesting the signed authorization to release personal information and added that I have a fraud alert that requires any inquiries contact me directly. Neither of those conditions were met and I am being asked to resolve the breach with their subscribers. 

It is obvious who their loyalties lie with and it is not the consumer. I am unable to dispute inquiries except through the subscriber. The release of the information did not require a confirmation by me ( the consumer ). It is obvious who's input they honor and it is not that of the consumer. 

I followed the FCRA in requesting confirmation and that, too, was not honored. What are the rights of the consumer when they can not dispute inquiries or incorrect information on their consumer file.
Product: Money transfer, virtual currency, or money service

The date of XX/XX/XXXX I sent to XXXX {$750.00} via company called Sendwave.their agents had given me wrongs codes which must be given to the recipient, since the recipient could not receive the said sum, because the codes were incorrect after that they canceled the transaction.I waited and then started calling them without success after which I emailed the recipient and information but still do no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is reporting a debt that was discharged on XX/XX/2011 and my attorney even sent a letter and email with no response, but its still on my credit report. Can you please help me with this matter. Portfolio Recovery Asso. XXXX XXXX XXXX XXXX, XXXX XXXX phone # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report I noticed this inaccuracy and immediately sent a letter to the credit bureaus followed by Enhanced Recovery. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary. 
My dispute was very specific. I challenged aspects of the FCRA and FDCPA. I sought validation and not verification. Additionally, the law provides that when I first disputed this entry with the credit bureaus and the bureaus made contact with them, the account was technically supposed to be updated to disputed at that time and not when Ifollowed up to direct dispute with them. This is a very misleading practice and a violation of my consumer rights. If the bureaus communicated in writing to me stating ERC had verified the debt, why did ERC not update the status of the entry to the bureaus as dispute. After all, ERC pays the bureaus to provide such information. They did not provide any documents that bore my signature nor did they provide the original delinquency date nor a complete accounting of the alleged debt. The first violation is that ERC inserted this unverifiable, inaccurate entry on my report without providing me the any time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. ERC must immediately delete this erroneous entry from all of my credit reports. ERC has been fully paid even after they received payment and did not prove I owed the alleged debt, they continue to report this entry on my credit report making it appear as if I still owe this debt. This is further diminishing my creditworthiness. 

Why did they not provide a copy of the ledger to reflect any payments to them? 
Why did they not provide copies of correspondence they have sent? Why did they not provide any documentation to substantiate the alleged amount? This entry lacks veracity. 
Delete this entry immediately and provide me a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry.
Product: Checking or savings account

Personal information, social media accounts, email accounts, and all banking accounts that I own have been compromised. I purchased a used unlocked XXXX while overseas working with the Department of Defense in XXXX. Phone had malware already downloaded on the device, unbeknownst to myself until a week ago. 
However, Im more upset that money was being funneled from my Chime account slowly for several months, and this bank did not flag anything as suspicious at all. While Chime is not my primary banking institution- I do check it every once in a while, but not so often. I use it for recurring subscriptions, to send money to my mother, and pay cell phone bills. My income and investments are deposited to my XXXX XXXX XXXX XXXX account. Looking over several statements- one particular merchant has been charging money utilizing my debit card number almost every other day since the purchase of the phone. There are several duplicate transactions that were made, and still no security or fraud alert from this banking institution. Surely charging my account down from thousands of dollars to XXXX dollars every month by the same merchant should raise a red flag. But it did not with XXXX XXXX Chime . I assumed all of my bills on auto pay were simply coming out. Im very convinced that maybe this bank is aware that it can easily be hacked and allows its consumers to be scammed, and not even rectify or reimburse unauthorized charges. And its evident that they can not be counted on to protect consumers from this type of thing happening in the first place. This bank is consistently a target for fraud, at the expense of its consumers. Especially being a XXXX veteran who deposits my XXXX portion of income directly with their bank due to convenience. The convenience has now become an inconvenience. I do not feel safe depositing anymore large sums of money with this institution, and I do not believe a sufficient investigation has occurred or will occur. Its went on for far too long with negligence. 

The merchant used to funnel money is a cash gaming site that allows users to deposit money and withdraw the funds via XXXX. Everything all around s screams scam. I am a victim of identity theft. Ive already filed a police report with XXXX police department, an indenting theft report with the FTC, a complaint with the FDIC, and now a complaint with the CFPB. Because my finances were not protected at all. Nobody cared or ever batted an eye at the clearly suspicious activity! Only when I caught on myself. Then I was asked why didnt I say anything- when I just saw everything. Why didnt my banking institution notice? Why didnt they alert me? Most banks have you to physically call to verify charges that are suspicious. This bank did nothing at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and I'm asking for a full investigation into these unauthorized and unknown accounts that's reporting on my credit file. 

1 ) XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX   XXXX XXXX 3 ) XXXX XXXX  {$300.00} 4 ) XXXX  XXXX XXXX {$160.00} 5 ) XXXX  XXXX XXXX {$400.00}