23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

had a credit card with the navy exchange that i got behind on payments towards the end of last year. I called them at the end of XXXX 2015 to start making payments on my debt because I was in a better financial position. I was told that a letter had been sent out stating I need to make payments or they would default on my acct I start making payments XXXX XXXX. I have called in every month after that to make my payment of {$210.00} dollars with XXXX of their representatives. I called them around XXXX XXXX to make a payment and I was advised that they sent me into default because they sent me a letter in XX/XX/XXXX of a payment plan that I had to sign and send back within 30 days. I have been calling in every month and not XXXX associate made mention that the letter had not been received. I was given the number to a 3rd party agency that marked up my acct 16 % I was to make payments XXXX and I was being charged up to XXXX a month in fees and interest on an acct I was already making monthly payments on. I then called back XXXX XXXX appx XXXX talked with XXXX who let me know that it was my fault I was in default in a raised voice telling me I should have had my father send me my mail since I am currently working XXXX and that it is not there problem if the letter did not reach me because they can not control postal mail being delivered. So regardless if i ever saw the letter or not they would have still defaulted on my acct. I responded saying that if an associate would have said something to me about the letter when I called in I could have given them an address to send me the letter and mail back to them. I was also advised that there associates not telling me about the letter or reading the notes on my acct was not in there control. My issue is that I was making payments to them every month calling them so it is not as if i was n't trying to pay my debt because i have been trying to build my credit back up. I am very offended with how this case was handled, and the tone of voice that i was talked to which was very rude which put me on the defense. These companies do and say whatever they want to people/consumer with no regard to professionalism.
Product: Credit reporting or other personal consumer reports

This company completed a charge-off/ collection which is debt that has been discharged and they took a tax write-on XX/XX/2022. After contacting the IRS they explained that it was illegal that that they were reporting this information to my credit report trying and still trying to collect when this transaction has a charged-off status. This is called tax fraud by the IRS. I requested that they remove this item from my credit report and send me my COMPLETED copy of the 1099-C so I can audit it to ensure you they comply. They violated the FCRA 15 USC 1681eb and they are reporting information that's not 100 % accurate. The IRS directed me to file form 3949a for illegal tax violations against the company. Then they did not credit my account from the dividend payment that they made off of my treasury coupon via the Electronic Funds Transfer Act and I would like you to do so promptly.
Product: Credit reporting or other personal consumer reports

They told me that I should talk to the credit agency and they never responded
Product: Debt collection

For over 2 years I have been fighting this debt the name is invalid, and the address, the social do not match mine I did not open any account or authorize anyone to and they are fully aware of this.
Product: Checking or savings account

My account was closed by Wells Fargo cause I didn't close it
Product: Credit reporting, credit repair services, or other personal consumer reports

The absolute tragedy of XXXX  XXXX and thinking that on my credit cars that reports to all the CRAs could actually close my account for Telling them that I had filed a report with the CPFB, Little they care of the discrepancy when I was told not to file for an authorized charges when thats exactly what happened. I submitted the report and they closed my account which no credit and reflects negatively on it. 

XXXX XXXX / XXXX has over XXXX complaints on the internet mostly for reinserting old debt as a form of extortion and despite the submission of the facts to you folks and the FTC these Companies seem to work together to make our lives difficult. 

As a single father was XXXX dollars to raise I cant seem to let this happen since it is not just.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account XXXX XXXX Creditor : XXXX/DEPT OF ED- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX  XXXX  XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX
Product: Student loan

Dear Consumer Financial Protection Bureau, I hope this message finds you well, I am submitting a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information on my credit report by Transunion, XXXX, and XXXX student loan accounts ; that have been consolidated into the XXXX Department of Education. 

Upon reviewing my credit report, I noticed that this account UsDOE/ XXXX XXXXXXXX is incorrectly marked as 120 days late, XX/XX/XXXX and XX/XX/XXXX in payments. Despite being transferred and reported as paying as agreed In payment status and at the time of the consolidation. This information is inconsistent and misleading, which negatively impacts my credit standing.

My report Also reflects multiple student loan payments listed under separate accounts, despite the fact that my loans were consolidated into one loan. This misrepresentation is Disputed Account Details : Dept EdXXXX for Transunion balance owed XXXX date of last activity XX/XX/XXXX date opened XX/XX/XXXX account open For XXXX  date opened XX/XX/XXXX {$80000.00} date of lat activity XX/XX/XXXX This information is inconsistent and misleading, which negatively impacts my credit standing. There are four extra loans reporting apart when they are in fact included in the XXXX that was billed to me. I listed them along with the other that I hoping late and inaccurate as it was consolidated. To one payment not multiple payments Creditor Name XXXX  XXXX XXXX payment {$11.00} XXXX XXXX ( should be no payment on this payment ) {$16.00} XXXX XXXX {$33.00} payment XXXX XXXX {$19.00} There can't be payments reported by themselves for this they are included in XXXXXXXX XXXX loan XXXX I am wondering when this was verified for accuracy none of the Information is showing accurate. And true and I misleading.

Creditor Name : [ UsDOE ] Account Number ( Last Four Digits ) : [ XXXX ] Date of Reported Late Payment : [ XX/XX/XXXX / XX/XX/XXXX ] Reported Status : Transferred/Paid as Agreed Issue : Late payments are inaccurately reported despite consolidation Amount owed I not the amount reported FCRA Violations : According to 15 U.S. Code 1681s-2, data furnishers are required to report accurate and complete information. In this case : 1. The account was transferred/consolidated and should not reflect late payments post-transfer..

2. The payment status contradicts the late payment history, which misleads lenders and affects my creditworthiness.

3. Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate or incomplete information, and the credit bureaus must correct or delete inaccurate data within 30 days
Product: Student loan

I attended XXXX XXXX in 2011 pharmacy tech program. They miss represented themselves by explaining the hiring rate etc. I then began to speak to other students that graduated a head of me and they expressed their same situations. During the time my father helped signed me up one private loan and federal which private one was paid off. I then was reached out to for forgiveness. which I did pay for awhile.I dont believe I should be paying for a scam. I then began to do research and saw that XXXX XXXX was also fighting for discharge for misrepresentation.I am reaching out to see if their is any possibility to be able to discharge. Im in need of guidance.
Product: Credit reporting or other personal consumer reports

Hey I Received an 1099 Form for the charged off accounts : Account XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account XXXX XXXX XXXX Account XXXX : XXXX from creditor an accounts was filed as an income on my taxes. income should not be reported on my consumer report or as something as derogatory therefore the charge off accounts must be removed from my consumer report.Thanks 15 U.S. Code 1681 ( e ) B ( b ) Accuracy of report 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD BANK XXXX hasnt reported my credit card account to XXXX  and XXXX  its been almost two months and i called them and never heard back from them and i closed the fraud dispute and told TD BANK XXXX that this credit card account belong to me and it only been reported to XXXX  and they refuse to report to other two credit agencies and never heard back from TD BANK account number ending XXXX and i would need this account to be reported ASAP THANK YOU
Product: Checking or savings account

In reference to Claim number XXXXClaim number XXXX claim was closed and was told that I authorized several u authorized transactions on various accounts..I 'm now learning that I was involved In multiple breaches that leacked all of my Information from passwords, accounts as well as my SSN. BREACHES includes XXXX banking as well as XXXX XXXX XXXX XXXX also I've been discovered by XXXX on the dark web for years I'm unaware of
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It Will Concern, I was looking at my XXXX XXXX account on XX/XX/XXXX. I noticed there was inaccurate information that was solved a long time ago. This company called XXXX XXXX XXXX saying I owe XXXX {$2700.00}. This is 100 % Inaccurate. I did have XXXX at some point but moved to XXXX. When I went into the store middle of XXXX and transferred everything over they were paid in full whatever was owed which was no where near {$2700.00}. I called XXXX  on XX/XX/XXXX to see what this was all about and if they can verify it. The customer service rep said they do not have me on record and just best for me to dispute it with each credit reporting agency and it will come off since they were lacking proof and could not provide documentation.
Product: Credit reporting or other personal consumer reports

As a U.S. citizen, I have the right under federal and State of California law to use XXXX to obtain a free version of my XXXX, Experian, and XXXX credit reports. Experian is engaged in blatantly criminal misconduct, see recently closed CFPB XXXX XXXX XXXXXXXX and XXXX where they took no action to remediate my ongoing issues. Indeed, within both prior complaints Experian materially misrepresented my complaint in their canned response : You indicate that inaccurate items are in your credit report. You are requesting to have the disputed items corrected or deleted from your report. This is categorically incorrect. Experian must remediate my account privileges on XXXX to enable my free weekly access to my Experian consumer credit report. No other action is required, and no other outcome will be accepted. I will continue to filing new CFPB tickets until this is resolved or Experian is permanently barred from participating in the consumer credit report industry for reasons of gross misconduct.
Product: Credit reporting or other personal consumer reports

To XXXX XXXX, In your letter dated XXXX XXXX you state I received a copy of your Financial Privacy Policy when the account was opened allegedly in my name and that I can limit information sharing ( OPT OUT ) if I wish to do so. 

Well, I would like to officially OPT out of the following accounts you are reporting without my permission. 

XXXX ) Comenity Bank XXXX XXXX # XXXX ..... 
XXXX ) Comenity Bank XXXX XXXX # XXXX ..... 
XXXX XXXX Comenity Bank XXXX XXXX # XXXX ... ... ...... 
XXXX XXXX Comenity Bank XXXX XXXX XXXX # XXXX ... ...... 

You mention you sold accounts to another company, BUT your company is still reporting this account and therefore I am officially requesting that you OPT me out of credit reporting the accounts that have no business reporting in my credit reports in the first place that you are currently reporting.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX {$520.00}, XXXX XXXX  {$3100.00}, XXXX XXXX XXXX {$40.00}, XXXX XXXX {$18000.00}, XXXX XXXX XXXX {$30.00}, XXXX XXXX XXXX {$53.00}. XXXX XXXXXXXX XXXX {$1000.00}, XXXX XXXX XXXX {$810.00}. 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 602 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 168c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. List all those negative accounts from your Equifax credit reports. Account names and account numbers and file Your complaint with the CFPB
Product: Credit reporting or other personal consumer reports

( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX This address has pertained to a business : XXXX XXXX XXXX XXXX XXXX TX XXXX. 
Inquiry current address was reported within the last 90 days. 
XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX, XXXX, TX, XXXX.
Product: Debt collection

A man by the name of XXXX XXXX with a company named Oracle from phone number XXXX calls my cell and several numbers at my work leaving messages that he is trying to reach me regarding a legal matter which is causing my supervisor to be concerned. I returned his call and told him I can not receive calls at my work, that the account he is calling me about is not mine and for him to please stop calling me. He continues to call and leave messages. I can lose my job if this continues.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I accidentally sent {$2300.00} to the wrong person through XXXX I immediately called capital one to dispute the issue on XX/XX/year> they denied my dispute twice and claim they havent received my emails of proof there is no real building to go to to talk to anyone and capital one is being very nonchalant about returning my money back it has been 2 months
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXXXXXX XXXX  to please update all credit bureaus with correct loan balance. They refuse to. And when I dispute, it comes back as accurate information. What they are doing is fraud and it is preventing my credit profile from updating with its proper score.
Product: Student loan

I called to ask Aid Vantage to cancel the consolidation of the lowest interest loan I have because I did not want it on the list of loans in my consolidated loan request. In effect, this mistake increased my interest rate from 6.310 % on a {$45000.00} to a 7 % interest rate. They would not undo this loan from the consolidation. They said it was final and I could not change it because the Dept of Education and Congress said it could not be undone. The loan is still in process at XXXX XXXX. I will try to contact them as well, but I have to wait 12 hours for a call back. They called me back this morning and told me to call Aid Vantage. This is a huge error and will cost me a lot in interest going forward. 
I did not realize that this was going to be such a huge problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and fix them immediately in my report : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Hello. So I refinanced my car loan from XXXX XXXX to XXXX XXXX. XXXX sent me a check back in XX/XX/2022 and I deposited the check in my personal Chase account and called XXXX XXXX on the same day and made the payment to be paid off. A month later ( XXXX ) Chase pulled the payment from XXXX XXXX and has been holding the check because they said XXXX XXXX endorsement needed to be on the check. We went back and forth for a month trying to get someone from XXXX XXXX to endorse it but they said the department that deals with that is In California so its no way that could get done. So they told me and XXXX to do a recall on the check so they can send it back to XXXX. XXXX XXXX did the recall and Chase said 45 business days and we waited UNTILL the full 45 business days and Chase had approved it and then canceled it. So XXXX XXXX did the recall process again and Chase approved it and cancel it again. Chase has been holding this check since XXXX and its now XXXX. XXXX has did their part and Chase still hasnt sent XXXX the check back which is causing a financial crisis on me because I am stuck to pay two notes on 1 vehicle. Chase needs to send that check back to XXXX XXXX. Why is Chase holding XXXX XXXX check. I need them to send it back to XXXX so XXXX can reissue me another one so I can pay XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and 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 from company 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  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Vehicle loan or lease

I have a tractor loan through XXXX finance and it is impossible to deal with this company or ensure my payments are applied correctly. If I make an extra payment I have to call to have it applied to principle only and they are super un-responsive. They keep telling me extra things about how far ahead I have to pay before a payment can be principle only. When logging into my account there is no breakdown on interest paid vs principle per payment. Invoices just show a total not how much I have paid or how much was applied to the balance on the last payment. 

They are a nightmare and I have no way of verifying if what they have done is correct.