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

XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is negative information reported by the Following companies in the file you maintain under my Social Security number : XXXX ) Account name : XXXXDEPT OF ED Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX. XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX  Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX  Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : US DEPT ED Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX I AM A VICTIM OF IDENTITY THEFT These accounts were opened FRAUDULENT There are errors within the account information Upon reviewing a copy of my credit report, I see an entry listing CLOSED OR COLLECTION, such as I owe said amount or my account was charged off said amount ] in [ month/ year ]. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with [ name of creditor, collection agency, or court ] and provide me with copies of any documentation associated with this account, bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found wrong information reported on my report : "   XXXX   XXXX   XXXX   - -  XXXX  " This is out-of-date information, please remove it immediately Beside that, my correct address should be :  XXXX   XXXX   XXXX   XXXX , CA  XXXX , please update
Product: Student loan

I have been making payments and I have proof too, that will show how many payments I have made to MOHELA, but now since they supposedly transitioned to some new platform, which I did create an account a long time ago, because now they are going through the whole federal student aid website now, but they only show on their end one payment for XXXX. What happened to all of my payments, I was making, when I was accepted into the whole Public Service Loan Forgiveness ....? My employer is an acceptable employer and my boss even signed and sent MOHELA an electronically sent document on time, but now they have no record of me even being in the whole Public Service Loan Forgiveness Program. Now I make $ XXXX payment still yes, but I was not due until XXXX sometime. Why do they show me owing already and it is only XXXX. I keep receiving emails, stating I am late on my payments too. That is not true and come XXXX, MOHELA is stating I will have to pay $ XXXX payments. How can I do that? Honestly, they are the worst! If I was in the whole pslf program, I should pay $ XXXX for however many months and have the rest of my student loans forgiven. That was what I was approved for and what I signed up for so what is going on with Biden and MOHELA now? Really? It is not right.
Product: Debt collection

company is stating I owe a debt but can not provide debt validation for the account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under the 15 U.S.C 1681. 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 the following information items. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This complaint is due to the Consumer Credit Transaction with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 U.S.C 6827 ( 3 ) The term document means any information in any form. I demand this company Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes Transunion, XXXX, and XXXX. The Provisions of 15 U.S.C 1601 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advise that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in contract/agreement giving that option to share my nonpublic information. 15 U.S.C 6802 ( B ) 1b the consumer is given the opportunity, before the time that that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 U.S.C 6802 ( B ) 1c the consumer is given an explanation of how the consumer ca exercise that non-disclosure option. In the above-mentioned Consumer Credit XXXX XXXX without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., Transunion, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws. I, with this request that this company removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

I have on several occassions contacted XXXX, equifax, and XXXX  and have placed a fraud alert on accounts along with sending in my FTC ID REPORT IN REGARDS TO ACCOUNTS WITH XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX AN ONLINE ACCOUNT WHERE AN APPLICATION WAS SUBMITTED IN MY NAME ACCOUNT XXXX ON XXXX, EQUIFAX, AND XXXX. ALSO AN ACCOUNT SHOWING AS A PAID REPO NEEDS TO BE REMOVED FROM XXXX  XXXX XXXX ACCOUNT NUMBER XXXX I AM STILL WORKING TO RECOVER MY IDENTITY AND I EXPECT THIS TO BE RESOLVED IN A MANNER OUT OF CIVIL COURT. 

8 INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am writing to file a formal complaint against Navy Federal Credit Union regarding their inadequate handling of a dispute involving XXXX XXXX XXXX. On XX/XX/year>, I purchased a vehicle from XXXX XXXX XXXX. Within XXXX hours, the car became inoperable and remains with the dealership to this day. XXXX XXXX XXXX has refunded all amounts except for {$940.00} in repair costs, which I paid out-of-pocket. 

I disputed this {$940.00} charge with Navy Federal Credit Union, providing all necessary documentation, including proof of payment and communication with the dealership. Despite this, Navy Federal failed to conduct a thorough and impartial investigation, ultimately siding with the dealership without adequately considering the evidence I provided. 

As a result, the {$940.00} charge has caused my account to become overdrawn, leading to additional financial strain. I believe that Navy Federal is not acting in the best interest of its consumers by neglecting to hold XXXX XXXX XXXX accountable for the unresolved repair costs and by allowing my account to remain in a negative status.
Product: Credit reporting or other personal consumer reports

Numerous companies have reported credit inquires to XXXX, XXXX and XXXX. These inquiries were NOT authorized by me nor am I aware of who that are. The names of the companies on my Credit Report are : XXXX XXXX XXXX XXXX XXXX XXXX Credit Tech XXXX Settlement O XXXX XXXX XXXX None of the XXXX XXXX will help me without CFPB or FTC assistance. 

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

I am writing to file a formal complaint against Experian, regarding my request to provide the Method of Verification ( MOV ) on ( 2 ) accounts listed on my credit report. 
After numerous attempts to amicably resolve this matter, Experian has failed to produce any Original Documentations / Contracts with my signature wet-ink on it. 
Theyre failure to adequately ensure and positively verify these accounts have caused tremendous stress, sleepless nights, and inability to eat and most importantly hurt my ability to obtain credit. Enclosed you will find a recap on my communication with Experian, dates, certified mail receipts and theyre willful noncompliance and negligent noncompliance responds.
Product: Money transfer, virtual currency, or money service

At XXXX XXXX. on XX/XX/2022, I received a text saying from the number XXXX saying, " JPMorgan Chase Bank : Did you attempt {$360.00} at XXXX # XXXX? Reply YES or No. Case XXXX to opt out reply STOP ''. I then replied with " NO ''. Immediately after I replied with no, this number called me from XXXX, California, and told me someone was actually trying to take {$10000.00} out of my account, and to go about preventing this I would need to provide my username and password to my chase bank account so I could reset my account in 24 hours. As I am on the phone with this scammer the text comes through saying " JPMorgan Chase Bank XXXX : To cancel online username and password send Username/Password/Cancel. '' I then sent them my username and password believing it was Chase Bank. After I did this, the scammer told me to go into my chase app, click pay and transfer, then wire and global transfers and wire transfer {$10000.00} through my Chase app saying I would end up getting the money back in 24 hours. I then go back into my account seeing I am missing {$10000.00} and immediately call Chase at XXXX. They looked into it and said that it was not them that called me originally. 

As I was on the phone with Chase, they told me that it was not them who sent the text or called me. I was then transferred to the fraud department and they told me to fill out a claim report and also walked me through setting up security passwords for when I would call Chase so I would know that it was actually them who was calling. After that, the fraud department helped me set up a new password for my account. They told me they were going to investigate it. 

After that, I had to go into a branch in XXXX, IL to help me get into my account. The man at the bank filed a claim too. 

On XX/XX/2022 at XXXX XXXX. I went to the XXXX police station to file a police report on the fraud. 

Since then my mom has been in contact with the XXXX Claims Department via phone and the XXXX XXXX XXXX  via email through the CHASE app numerous times. 

Each time she calls she gets the run around they say they can't do anything more. They tried a couple of times to try to recall the money from XXXX XXXX XXXX 

On XX/XX/2022, I received a letter from Chase saying they completed their research and are denying the claim. 

On XX/XX/2022, I called the XXXX XXXX police with the information of the person listed on my statement to see if they can help by investigating the person who took the money. Since then we are waiting for the XXXX Police Department to talk with the XXXX XXXX Police Department. 

My mom also went into a Chase XXXX in XXXX, IL. The manager there even tried to help but wasn't successful. 

The XXXX XXXX XXXX continued to tell my mom that she needed a hold harmless letter '' that needed to be provided to XXXX XXXX XXXX. But, when she would call the claims department to ask for it, the claims department said they no longer provided those letters even though that is what CHASE XXXX XXXX said to do. 


I do have the name and address of the person who took my money.
Product: Payday loan, title loan, or personal loan

I signed for loan insurance with a XXXX dollar loan on my XXXX  title in XXXX, borrowed from Courtesy Finance in XXXX  TN. I then became permanently XXXX later in XXXX, after XXXX percent of loan was payed. My co-borrower and live in girl friend defaulted taking the XXXX  and moving out, I then informed courtesy I needed them to apply the coverage I had signed for when I took out loan. They kept pressuring me for the loan payment, so I told them about my XXXX  and long term XXXX payments from XXXX XXXX while on the call with the manager. I waited for awhile to hear back from them, assuming they started the process and paid off the loan. Fast forward to this week, I checked my credit agency on XX/XX/XXXX and the loan was written of as bad dept, not paid off from insurance. They chose not to report to XXXX for 2 years after the write off. This is how I found out the insurance wasn't applied. I called the new manager on XX/XX/XXXX, she claimed I did not have coverage, and her records were a mess from the previous manager. I asked her to look at my actual file, when she looked she saw the sheets from the XXXX coverage, and then she said I'm sorry it looks like we went over the coverage and you signed it, but we never sent the papers in, sorry again we XXXX up. The original manager was very unprofessional, she was hurrying to finish our loan because it was close to closing time and her help had left.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Im complaining because when I first tried to get my credit score together I was XXXX XXXX XXXX, while being XXXX I have tried to make payments and inquires on my own but some of my inquiries doesnt involves me. I tried getting them removed but it says it takes 2 years or max 6 years to complete withdraw them. Some of my credit history I dont approve of is - XXXX XXXX XXXX  ( XX/XX/2022 ) - American credit accept ( XX/XX/2022 ) - XXXX  XXXX ( XX/XX/2022 ) XXXX XXXX ( XX/XX/2022 ) as you can see their all 1 month apart please help get this off my credit I can not do anything with my life because I have a horrible background & Im only XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

7 credit inquiries were on my report yesterday, XX/XX/2023 from car dealers. I am not shopping for a car. I want those inquiries removed and a fraud alert for the person trying to get a car in my name. Transunion said I need to file this report to get them removed. Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/24 I made a XX/XX/XXXX complaint against XXXX XXXX TransUnion. Not only did they ignore giving me information they didnt comply with the XX/XX/XXXX or FCRA XXXX I have so much proof that I am willing to take further action. They didnt even respond after XX/XX/XXXX told them they recommend them remove this account or they will leave a negative remark on the XX/XX/XXXXaccount. This is what I stated! 

I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from XXXX that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesThe XX/XX/XXXX standards state that in order to make a report, you must follow their guidelines. " Any deviation from these standards jeopardizes the integrity of data. '' This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting stands.
Product: Credit reporting or other personal consumer reports

ON XXXX, I disputed the inaccurate information on my credit reports from transunion, XXXX, and XXXX. 

I request that you DELETE the above-listed information and mail me an updated copy of my file. Inform anyone that you reported the deleted information to that it has since been properly deleted. If you conclude that the tradeline item is verified, I request details of your method of verification within 15 days. 

You are in violation of 15 USC 1681e ( b ), because it states that it has to be 100 % accurate and correct before information is reported on a consumer report. Furthermore, the information is reporting inaccurately and incorrectly and request that the tradelines be deleted from my consumer file. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, you are also required to do a re-investigation, per 15 USC 1681i5.

Were requesting a thorough reinvestigation of the accounts. Please make sure that all aspects of the accounts are reporting 100 % accurately and correctly or DELETE IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XX/XX/2013 30 days late payment XXXX XXXX XXXX Account # XXXX.The information is incorrect.I was never late.
Product: Student loan

Regarding Mgr. XXXX XXXXXXXX and her Mgr is XXXX XXXX. I was mistreated and barrated by this woman and she wouldn't allow me to speak to her Mgr. My loan has since been charged off and my rights continually violated by Navient because their customer relations rep XXXX XXXX has repeatedly emailed me saying they are researching my complaint on XX/XX/ and XXXX The Private Student Loan Mgr, XXXX XXXX, continuously denied my request to speak to her supervisor and/or manager. She barated me and violated my Fair Debt Collection Act Rights. I informed her that I was at work and I asked about how the repayment program I was in was cancelled a month ago, but my bank account was drafted for the agreed amount that day? She refused to answer that question and so did her subordinate. Instead the Manager continued to tell me I wasn't a good person because I was bouncing checks all over the place and that she was a shareholder and it was affecting her. She never asked how and why I wasnt able to pay. I asked Customer Relations to please investigate and review the call. My name is XXXX XXXX, however my maiden name is XXXX and the co-borrower is XXXX XXXX.
Product: Debt collection

My girlfriend was   XXXX   and on  XXXX . She was found to have the   XXXX   XXXX   XXXX   and her doctor ordered me to go give a   XXXX   XXXX  . The hospital now has it in collections and it should have gone under her insurance. I have made several attempts to speak with the head of billing at  XXXX   XXXX  as well as going into the hospital on several occasions and have been turned away and told " just pay it ''
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 confidentially 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. I looked at my Experian credit report XX/XX/year>, and notice some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filed a complaint about your company XXXX for not properly investigating previously disputed errors on my credit report. This is a violation for the Fair Credit Reporting Act that requires your company to take the necessary steps to ensure that the information that you're compiling is accurate, and to investigate my complaints. XXXX XXXX, XXXX, the CFPB sued your company for " Sham investigations '' rather than properly reviewing the disputes as required by federal law. It's XX/XX/year>, and I have NOT gotten a response back yet. I will reattach the previous dispute letter with the accounts that you did NOT properly investigate. The information that your company is reporting is inaccurate, and has caused severe damage to my character, livelihood and general mode of living. These accounts should be removed immediately!
Product: Debt collection

My XXXX XXXX  debt that is connected to XXXX is showing its behind or past due ; but I have been making payments on it consistently for a period of time and no information has been update. Also the amount is not accurate to what I have been paying. 

My XXXX  XXXX debt has been paid but its saying its past due. 

Hospital Bill is showing that I have accounts on my credit report ; even though the new law stating that all hospital bills will be remove from credit reports.