23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX to XX/XX/XXXX I have argued this situation from the beginning of time I found out about Myself XXXX XXXX XXXX XXXX when l was in middle school I was rewarded a chance to receive a XXXX year scholarship from XXXX XXXX if I completed high school which I did and received My scholarship and chose to go to XXXX school to work and XXXX XXXX XXXX XXXX XXXX  I never filled for a student aid assistance or a loan if it happen I was unaware and wouldn't have authorized any type of signing on My behalf or My parents I was not informed or My Parents informed of a student loan public or private it doesn't meet compliance standards per CFPB USC.15.6802 My personal and private information has been Breached due to the sharing of My consumer reports it is a negative and derogatory item that prevents Me from gain personal and financial gain to credit or financial stability and I ask it be investigated and removed immediately from My consumer reports on this date of XX/XX/XXXX I opt out of any of My personal or private information be shared with any creditors and also financial institutions and services that don't provide Me with a XXXX number and offering lines of credit or credit and authorized by Myself XXXX XXXX XXXX be considered unauthorized and fraudulent and should be verified by Myself XX/XX/XXXX My personal and private information is all over the dark web due to third party entitys sharing My information unauthorized and I demand it stop and alerts be put ony name consumer reports social security numbers personal and private accounts please any assistance towards My situation would be and truly gratefully appreciated Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several Letters to Transunion in reference to investigating 4 accounts that are reporting inaccurately on my credit report. Every time they respond they say that an investigation has been done and the items have been verified. But how can they be verified if the items are reported inaccurately? Showing different dates? Different Balances? Some balances not reporting at all. They have failed to do a thorough investigation on the items in question and with that being said they need to remove the items IMMEDIATLEY! THESE ITEMS REPORTING NEGATIVELY ON MY CREDIT REPORTING ARE HURTING MY GOOD REPUTATION AND NEED TO BE REMOVED.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am inquiring about XXXX  XXXX XXXX [ account number XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX has contacted me several times in the past year about a debt with XXXX XXXX XXXX that does not exist. I have requested proof of acct and have even contacted XXXX XXXX XXXX  who say this is a scam. They represent themselves as a law firm, are disrespectful, tell you that you committed a crime, threaten to sue you, say they called your bank and have your location. The calls, except for today which was a robo person, start with a woman claiming to have a package and that they will connect you with the person that is sending. Then a guy gets on and tries to verify your info while saying he is issuing a court summons/subpoena and you should handle the debt before court. Today, I was able to record both conversations with clear and direct threats. This company misrepresents who they are, claim to be a law office and gets you on the phone through deception. XXXX XXXX XXXX XXXX are their real name. My first call with them they wouldnt tell me who they were, just hung up, after I didnt cooperate. The XXXX XXXX times they represented themselves as attorneys/law office. The XXXX call approximately XXXX months ago said they would serve me at a specific time at my public records address. Nothing. NO paperwork has ever been furnished as proof despite requests, account doesnt exist with american web loan, not on credit report, Nothing.
Product: Credit reporting or other personal consumer reports

I have been disputing an account with Equifax regarding XXXXXXXX XXXX XXXX since XX/XX/XXXX. The account was removed from my credit report in midXXXX XXXX and then was reinstated in early XX/XX/XXXX. Equifax stated that the furnisher submitted a letter stating that the account was verified as accurate and belonged to me. I requested their proof of documents and they never provided them to me. I filed with the FTC and reported the account as fraud based on identity theft and provided the FTC report with a letter of dispute sent to XXXXXXXX XXXX XXXXXXXX to which I never received a response. I resubmitted the dispute because the year this account was opened, I was XXXX with the XXXX  XXXX XXXX XXXXXXXX XXXX at XXXX XXXX XXXX  from XX/XX/XXXX. My release date was XX/XX/XXXX, XXXX. I provided the release documents provided to me by the facility 's warden when I filed this dispute. Then I got an email checking my dispute online and it was denied. I resubmitted the dispute on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and were denied. I am extremely disappointed, as I am providing concrete proof, and I think that Equifax and XXXX XXXX XXXXXXXX are not reviewing the disputes or proof provided. I need this information to be removed from my account as these accounts were opened without my consent while I was incarcerated. Please help me in getting this account removed from my report as soon as possible. Thank you for your assistance with this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has continued to report an account which I previously held with them as a derogatory account to the various consumer credit reporting companies. I have disputed the status of the account with the Credit Reporting Agencies, as well as directly with XXXX without success. XXXX contends and reports that the account was included in a bankruptcy filing, thus reporting the account as a negative or derogatory mark/tradeline on my consumer credit reports, however this is in fact, untrue. The account that I held with XXXX was in good standing and maintained a zero balance from the date that it was opened until the date it was closed by the creditor. The account was not discharged or even included in the Chapter XXXX Bankruptcy I filed as there was never any debt to discharge. As I have previously disputed this account with the Credit Reporting Agencies, some of them have deemed any further disputes erroneously as frivolous due to XXXX 's insistence that they are accurately reporting, therefore precluding me from any further disputes of that information. The account was closed by XXXX unilaterally and should be reported solely as closed by grantor, without any negative remarks or connotations that cause it to be classified as a derogatory account which can negatively impact my credit score. 

This account is specifically reported on my TransUnion and XXXX  reports. 

XXXX shows it inaccurately as included in Bankruptcy ( negative ) last updated in 2014. Even after a dispute with both the CRA and the creditor, even though they report it as never having a balance.
Product: Credit reporting or other personal consumer reports

The following inquiries were done without my knowledge or consent, they are as follows : ( THE FOLLOWING INQUIRIES ARE FOR XXXX ) XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( THE FOLLOWING ARE INQUIRIES ON XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ( THE FOLLOWING INQUIRIES ARE ON EXPERIAN ) XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I recently filed a CFPB complaint on TRANSWORLD SYSTEMS complaint number XXXX. I sent the company an FTC identity theft report. They refused to removed the fraudulent item, instead the sent over a copy of the application that was submitted with a social security number that doesnt match mine. The social on the contract they sent has a last XXXX of XXXX. The last XXXX of mine are XXXX, yet they still wont delete these items from my credit. They continue to defame me and destroy my reputation with these fraudulent items. This needs to be removed immediately. Attached is a copy of the application TRANSWORLD SYSTEMS sent me. I have also attached my social security card showing this isnt my contract and not my debt. This need to be manually deleted from my any credit bureau along with {$50000.00} in compensation for the misuse of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an account opened with XXXX XXXX XXXX in my name without my knowledge over the internet in XX/XX/XXXX I realized its existence upon receiving notice of it from looking into my credit report. Additionally, I received notice in XXXX that XXXX would no longer collect on/report this debt in order to resolve a lawsuit where they were found to have engaged in illegal and deceptive tactics and for violating fair lending and reporting regulations and that all debts have been forgiven, and late/charge off reporting would be removed from my credit reports. I have attempted to reach out to gain more information about this debt or to settle any issues via telephone communication, email, and mailed letters to the contact information available on my credit reports. However, all of the contact information that this debtor has provided to credit reporting agencies is inaccurate. Telephone calls do not go through, emails bounce back and mail receives no response. As this debt is a charge-off and XXXX has already been compensated by charging the debt off, I would like to ask for its removal. It is important as I am trying to gain my dream career and this information on my credit prevents me from qualifying for this career. Additionally, I hope to secure housing for myself but have been unable to do so because of this charge-off. If XXXX, XXXX ( DBA XXXX ) can not provide an adequate response to any of the aforementioned information, I would like to respectfully ask that they remove this collection account and any tradelines associated with it from all three credit bureaus.
Product: Student loan

I applied for an Income Based Repayment ( IBR ) plan on XX/XX/2022. I still have no response. I contacted student financial aid about this on XX/XX/2022. No response.
Product: Credit card or prepaid card

I not only have tried to take care of this through USAA but I have also sent in writing a recap of what all has transpired to you the Consumer Protection Agency in which I mailed XX/XX/2021. I had sent USAA two prior notes with no response back in writing. As noted in my correspondence to you and USAA, I have always had impeccable credit and pay all my bills in time and very disappointing and frustrating that this has not been taken care of and has affected my exceptional credit rating and report. 
Please let me know if you have opened and read my letter that was mailed to you that explained the situation. 
This has been very frustrating for me that no one takes care of their business. I owned a business for years, and if I would have handled my business like this, I would not have lasted a month. Very sad where service and accountability with this country have gone. 

XXXX XXXX
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/202XXXX COMENITY BANK/EXPRESS XXXXXXXX XXXX XXXX XXXX, OH XXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent COMENITY BANK/EXPRESS you furnished alleged transaction on my XXXX, XXXX, XXXX that you identified as late.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. 

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. 

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not rely to me stating that you are furnishing accurate information because we both know youre not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).
Product: Credit card

Approximately 2 months ago I tried to cancel credit monitoring I had signed up for through XXXX credit reporting agencies. The first agency I tried to contact had no, absolutely NO information on their website under my account of how to cancel. After more than an hour of frustration I finally contacted my credit card company, XXXX Bank and was told the only way they could block the charges would be to change my credit card and account number. The representative assured me that once the account number was changed that the charges would be denied and no more charges would be allowed. I was told that would work with both of my credit monitoring subscriptions, XXXX of which essentially refused to cancel my account through either no information detectable ( XXXX ) or LONG telephone wait times ( XXXX ). 
This complaint is not with either of the credit monitoring services it is with Synchrony Bank. The bank representative told me that once I changed my credit card and account numbers that if I wanted to keep ANY automatic bill pay, like the credit monitoring services, that I would have to update my credit card information with each vendor. I filed a complaint with your agency regarding XXXX and my account was finally successfully closed. I received an email from XXXX on XXXX/XXXX/16 saying there was a problem with my account, namely that they could n't charge my credit card anymore. So I thought that the issue was resolved. WRONG! Sometime between then and XXXX XXXX, 2016 Synchrony Bank violated my privacy and disclosed my new credit card information to XXXX who then updated my account and charged me for the credit monitoring again, twice ( XXXX and XXXX/XXXX/16 ). 
I understand that Synchrony bank reports my credit card account to the credit reporting agencies, but this disclosure of PRIVATE information for the other retail activities of said credit reporting agency is NOT acceptable. It is a violation of my privacy, unauthorized disclosure of private information and contrary to what their representative told me was the remedy for my EXPRESSED concern. 
Now if XXXX took that information for credit reporting and used it for other purposes than the expressly authorized purpose of establishing and maintaining my credit report, then perhaps XXXX is the violator. But when I brought this complaint to the attention of the Synchrony Bank representative when I disputed the charges, I was told that I had an ongoing authorized charge and therefore they ( Synchrony Bank ) could disclose the updated account number to the errant entity wishing to continue charging my account AFTER I was told that changing my account was the only way to stop these charges since the vendor ( XXXX ) refused to handle my call in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Security Credit Service 650.00 I never had an account with this company. They never sent me information with my signature within 30 days. 
XXXX XXXX {$460.00} I never had an account with this company. They never sent me information with my signature within 30 days. 
XXXX XXXX {$160.00} I never had an account with this company. They never sent me information with my signature within 30 days.
Product: Vehicle loan or lease

My name is XXXX XXXX in XXXX of XXXX I went to XXXXXXXX XXXX in XXXX XXXXXXXX and was trying to get a car loan for a XXXX XXXX XXXX XXXX. I was in that dealership for several hours. A down payment of XXXX for the car. I was the last customer in the dealership I was very tired and exhausted til finally approved me with credit acceptance. This car cost around {$55000.00} dollars and I can't pay it anymore this bank is savage and stealing money from me. Everything is falling apart in my life due to this bank and struggling everyday of my life to get out of this situation and I be feeling so depressed everyday. I dont now what else to do. I cant keep up paying close to XXXX a month for this car that is not worth it. XXXX is insane. I am looking for help I am very desperate and find a solution please help Me.
Product: Checking or savings account

We have a long lasting and exclusive relationship with chase bank, comprised of both personal banking and business accounts ( XXXX XXXX, XXXX  ) on both the Personal and business side this relationship includes a wide array of services including checking/savings accounts, credit cards, lines of credit. During the covid 19 pandemic your behavior and approach have left us in a precarious situation and with very little choice than to protest and claim foul play
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018, XXXX XXXX changed the way that they report Student Loan debt to the credit Agencies. Instead of it being reported, as in the past, like Mortgage debt, it now displaying the interest that is accuring monthly. It's as if the interest has been capitalized! It has not been. 
My mortgage debt does not do that. It is an installment loan. My credit has took a major hit of at least 50 points! I tried speaking to them to get a better explanation, but no one was clear on how this happened! They just apologized! My credit will never be able to heal because of the way that they are now reporting this installment loan. How can this be fixed?
Product: Checking or savings account

My XXXX XXXX XXXX XXXX XXXX servicer has discharged a refund to my old previous closed account to Citi Bank ( XXXX ) initiated XX/XX/XXXX. XXXX XXXX has mentioned the funds was accepted but the account I had with Citi has been closed since XXXX or XXXX. So far I have contacted 3 different Citi bank numbers and one representative just informed me to open an another account but now the funds will be issued 1 to 2 business days back to My XXXX XXXX. I do not have any online banking, routing or account information to log in since the previous account been closed. And I have contacted Debt Management and the Offset Department at the bottom of XXXX letter and still havent gotten through to a phone representative.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/year> XXXX XXXX Experian XXXX XXXX XXXX, TX 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 re-investigation 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 re-investigation; 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 ( XXXX ) from my report, immediately : Account : XXXXDept of Ed XXXX XXXX XXXX | {$66000.00} -This account is being reported inaccurately, please remove this from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid Bella Sloan interprice over {$1000.00} to help repair my credit in witch he said he I would see result in about 6month. 6month after I paid him I reach out to him regarding the services he promised me, he claim he will need more then 6month, so he said 8month maximum is what he needs. Now that its been 9month so I reach out to him for a refund he refuses to give me a refund