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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

Someone who probably has my information Applied to get credit card causing inquiries on my credit report : XXXX XXXX on XX/XX/year>, XXXXXXXX XXXX XXXX on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Debt collection

MY IDENTITY WAS STOLEN WHEN MY WALLET WAS TAKEN. SOMEONE RECEIVED A LOAN IN MY NAME WITHOUT MY KNOWLEDGE
Product: Debt collection

On XXXX XXXX, 2017 I received a letter from Schreiber/Cohen, LLC which I will attach. This letter is a notice of a debt collection for their client, XXXX XXXX, XXXX. The original creditor being XXXX , XXXX . 
I have never in my life even heard of XXXX XXXX. I have never in my life acquired debt from XXXX. 
I went online and read the long history of problems and deceitful practices by both Schreiber/Cohen,  LLC and XXXX XXXX. 

I think it is disgusting that this can happen to someone. I am in the process of going through a mortgage and if anything happens to disrupt this process I do n't know what I will do. I am SO upset about this. 

I had a recent problem with XXXX XXXX and their reporting of a debt, and the CFPB really helped me a lot. XXXX ultimately admitted the error and I would have never been able to do that on my own ... I tried, having spent hours on the phone. 

I am frankly fearful to even call this Schreiber/Cohen, LLC company after reading the stories about them online. I work full-time as a single parent and am in the midst of moving and I do n't have time to do what I did with XXXX. 
I responded in writing to Schreiber/Cohen within the 30 days they state that I need to do before the debt is then assumed to be " valid '' ... .seriously?? 

Please help!!
Product: Debt collection

I HAVE DISPUTED THESE ITEMS TO BE REMOVED OFF MY CREDIT REPORT AND IT SEEMS AS IF THEY REFUSE TO REMOVE THE ITEMS OFF MY CREDIT REPORT FROM ALL OF THE 3 OF THE CREDIT BUREAUS AFTER ATTEMPTING TO DISPUTE MULTIPLE TIMES. I HAVE SUPPORTING DOCUMENTS THAT SUPPORT MY CASE.
Product: Checking or savings account

I have been calling Comenity Capital Bank for about a week and the phone system always says high call volume, try again later. I also tried logging onto my account to transfer out the funds, but when I tried to log on, it said something like " account inactive ''. Since I have no access to the company and my accounts, it is not possible for me to withdraw the funds.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following 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
Product: Credit card or prepaid card

The company CHASE opened a credit card to which I had applied for but never sent the credit card or a notification that it had been issued. 

Their marketing strategy clearly offers benefits when opening the credit card that are available for a limited time. However, by not sending it they made me lose the only benefit that actually made me get the card. I think that's a fraudulent way of operating by CHASE. 

It also affected my credit score negatively by issuing interests on the fees of this card that I did not even know I had and that hence I did not pay on time. Worst service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was over charged by XXXX XXXX. ON A RECORDED phone call on XX/XX/2021, I was informed by a XXXX employee by the name of XXXX that there was glitch in their system which resulted in my final bill being charged too much, {$740.00}. The Actual amount I owe is {$290.00}. To which I requested NOT to be debited from my checking account. I I formed XXXX I would call in my credit card number the following Friday. 
On the say Friday {$560.00} was charged to my checking account anyway. When I called XXXX, they refused to discuss the matter with me, insisting the amount was correct, which clearly isn't even the original amount I called to question on XX/XX/XXXX, to begin with, they kept denying any wrong doing, or that i even spoke to anyone previously. I informed my bank the charge was not authorized by me and the money was credited back to my account. This charge suddenly appears on my credit report. 
I have contacted XXXX directly via phone call and was told they do not do investigation inquiries. That they only ask the reporting agency if the amount is correct or not... WHAT?! 
Meanwhile this is on my credit report effecting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Syncb/Walmart reports to all three bureaus a 1x30 late prior to year 2019.
Product: Debt collection

Back in 2021 I closed my account with XXXX  and returned all the phones. The reason I closed my account was because of their poor billing practices. I had to repeatedly call them because they were not billing me correctly. When my contact was up I switched companies. They continued to bill me. I called them repeatedly and they never cleared my account. I was even told by one of the collections people that this was typical for them. I refuse to pay them because they are so inept at billing that they didnt close my account correctly. If they do this to everyone just think how much money they can collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were paid off through wage garnishment two years ago. My credit report is inaccurate. When i disputed they changed my status t o 180+  days late and my score dropped.  AES will not remove these paid off accounts and they added false info when I filed a dispute.  The same loan is also on my reports multiple times. I dont know where to turn.
Product: Mortgage

Since Select Portfolio Servicing, Inc. took over servicing of the mortgage back in XXXX, I receive my monthly statement within a day or two before the due date, or in the case of this month, it was received the day after due date. I called in today to let them know of the issue, and they stated that it must be due to mail delays, as they send the statements out the day after generation. This would mean the the USPS is consistently holding onto this companies mail, or taking 18 days to deliver a piece of first class mail. I believe the delay is an attempt for the company to increase the amount of late payments, and generate extra servicing fees on the loans that they service. This is the only bill that is having these lengthy mail times or delays, so I have to assume that they are not actually mailing them out when they say they are, or that the Post Office is deliberately targeting this company for lengthy delays, ( which I don't believe is the case ).
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficent balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I reviewed my Credit report and noticed that XXXX account number XXXX reported to XXXX on numerous occasions as will show in the document below named " Revolving Accounts '' when they knowingly reported false data to XXXX and TransUnion! This person violated FCRA deliberately and knowingly! ( see Revolving Accounts ) namely the months of 2023 Actual Payments vs Transunion months of 2023 Payments! Law has been well established in regards to this issue. Furthermore XXXX has Conspired with XXXX and Transunion to deprive me of my rights in regards to 15 U.S. Code Sec. 1681 ( d ) ( 1 ) In General Consumer Report also under 15 U.S. Code Sec. 1681 ( 2 ) Exclusions : Consumer Report shall not Include the following : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; This is in Clear violation of my Right to a Fair Credit Report. Congress has held that it is a GRAVE responsibility to report accurate information which has not been done here. 
I WAS NOT AFFORDED THE OPPORTUNITY TO OPT OUT OF THE SHARING OF MY INFORMATION TO ANY THIRD PARTIES NOR WAS I NOTIFIED OF THIS RIGHT PRIOR TO THE SHARING OF MY PERSONAL INFORMATION BY ANY PERSON IN REGARDS TO THIS MATTER.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment entry on my credit report. 
The account in question is with JPMCB Auto, account number XXXX, which is incorrectly reporting a 30-day late payment in XX/XX/year>.
Product: Checking or savings account

On XXXX XXXX I received an email from Chase Bank saying that I have requested to replace my debit damaged card. I was shocked. I had my card with me all the times. Right away I called Chase customer service ( see attached ) at XXXX and told them it was NOT me who requested for replacement. The agent told me however, the card is on its way by XXXX. 

On XX/XX/XXXX at XXXX the package was delivered by XXXX and since I was at work and nobody at home, he drops it on the entrance door and left. On same day at XXXX the package was stolen. ( This is all recorded by ring door bell ). At XXXX I got a text message from Chase Fraud if I attempt to withdraw XXXX. I replied NO. Immediately I checked my account and unfortunately there were 5 transactions summing to {$2200.00} withdrawn from my account on ATM using my stolen debit card which I NEVER authorize. I called Fraud dept. to report these withdrawals and also customer service to cancel the card and issue me with a new card. The new card was to be delivered again by XXXX. 

On UPS website I added an alternate delivery location .I got an email from UPS telling me that Chase doesn't allow packages to be sent to alternative location. 

On XXXX XXXX the package was again delivered by XXXX at XXXX and since I was not at home to receive the package, the driver left it at the front door. The package is again stolen by the same person at XXXX. I saw this event live since i got a notification from XXXX about the person at the front door. I right away contacted customer service informing that the card was stolen again and to cancel the card. I requested If Chase would mail me the new card instead delivering by XXXX. 

Please see the following attached 1. documents in chronological order.

2. Video link 3. Screenshot of a thief stealing the package
Product: Student loan

I have submitted an application to switch from the SAVE to PAYE plan in order to continue count towards public student loan forgiveness (PSLF). Per StudentAid.gov/saveaction and Department of Education guidance, if Mohela cannot (or will not) process my application to switch repayment plans, they must remove me from the SAVE forbearance and place me into a 60-day processing forbearance: If servicers need time to process a borrowers IDR application, servicers will move the borrower into a processing forbearance for up to 60 days. Interest accrues during this short-term processing forbearance, and time in the processing forbearance is eligible for PSLF and IDR forgiveness. If the borrowers application is not processed by their servicer within 60 days, the borrower will be moved into a general forbearance that does not count toward PSLF or IDR until their application is processed. Interest will not accrue in this general forbearance. XX/XX/XXXX I called and spoke to 3 Mohela representatives from different (escalating) departments, each Mohela representative responded that accounts in SAVE forbearance cannot be placed in processing forbearance which is inaccurate based on others experiences in a similar situation and not outlined anywhere in the FSA guidance. Nowhere does the US Dept of Education or FSA guidance state that Mohela CANNOT process applications for borrowers on SAVE who are seeking to switch to PAYE. And the updates issued on XX/XX/XXXX by the US Dept of Education, explicitly state that borrowers on the SAVE plan who want to earn credit towards PSLF SHOULD switch to a PSLF-eligible plan (at which point they will be eligible for a 60 day processing forbearance); PAYE is a PSLF-eligible plan. Further, the guidance notes that processing is still paused for CERTAIN IDR plans, but PAYE is NOT one of those plans. In the coming weeks, the Department expects servicers to begin processing certain IDR applications that were paused following court orders affecting the terms and availability of IDR plans. Specifically, the Department will begin processing borrowers applications to enroll in: IBR, ICR, PAYE. See - https://www.ed.gov/highereducation/manage-your-loans/save-plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

THE CARD HAS AUTOMATED PAYMENT AND I CALLED AND THEY GAVE ME CREDIT FOR THE LATE FEE BUT THEY DID NOT CORRECT THE LATE PAYMENT THAT IS AFFECTING MY CREDIT. I MADE AUTOMATED PAYMENT ARRANGEMENTS BACK IN XXXX AND FEEL ITS NOT MY FAULT THAT THEY DID NOT PROCESS THE AUTOMATIC PAYMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act Account # 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: Debt collection

I'm unaware of this debt, I didn't have an opportunity to dispute this debt. I didn't receive proper notification. If in fact you believe I received proper notification, please provide the certified mail with a receipt with my signature on there stating I received it.
Product: Debt collection

I have a collection on my credit report that is the result of a forged lease in my name. I went to court to have it resolved and i have the documentation saying that the courts even declared that it was not owed by me due to forgery. The collection is still on my report and the company continues to attempt to collect even though i have the documentation showing that it isn't owed. Please help me resolve this matter and get this collection removed from my report as it is not mine.
Product: Debt collection

NAR Inc has not followed proper Minnesota Court procedures in pursuing an alleged debt owed to them violating Minnesota Court Civil Procedure Rule 12.01 as well as Minnesota Court Rule 5.04 ( b ) 2020 Amendments and are threatening to file a Notice of Intent to Apply For Default Judgment improperly.
Product: Debt collection

I went to do an XXXX XXXX XXXX XXXX before the procedure I paid for the service as it was my medical insurance Co-Pay. I have submitted my bank statement several times showing the payment of the {$500.00} being paid. They still have not fixed it in over almost 2 years and refuse to provide more information.
Product: Money transfer, virtual currency, or money service

Hello, My PayPal Account Got Permanent Limit For No Reason I am reporting this because i have so much money in there i hope you can help me My PayPal email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account and charges were reported as fraud. I even submitted a video to XXXX XXXX of the suspect and his toddler, who he directed to take the credit card from the front porch. I provided a police report, disputed with them personally, and they are still harassing me via telephone and email regarding collection.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.