23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX of XXXX there was a hit to my credit by Navient, the company who handles my student loans. This didn't make any sense because I had two automatic payments coming out for years. When I called them, they explained to me that they had started a third loan and I would need to set that up myself. I asked them if they called or emailed me to tell me about this new loan and they said no. I should have known that I changed programs and a new loan would start. This  exact same scenario happened again in XXXX of XXXX. Another new loan, with no explanation. On both occasions, I paid what I didn't know I owed immediately and added them to my current auto pay. They said they didn't have the ability to take it off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I have attached a copy of my ID and SS card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Credit Bureaus are reporting inaccurate information. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate properly and remove them from my personal credit file. These are the following items : XXXX Revels ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX Ct, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Unpaid Balance {$2200.00} ; XXXX XXXX  XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX R XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX, XXXX ; XXXX XXXX Ct, XXXX XXXX XXXX TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Unpaid Balance {$2200.00} ; XXXX XXXX  XX/XX/2023.
Product: Credit reporting or other personal consumer reports

No nation was taken by capital one because According to FCRA section 605b it is illegal to report information on my credit report without my permission. Thank you please remove this from my credit report.
Product: Credit card or prepaid card

While I have enjoyed a great relationship with Bank of America ( and it goes back to XXXX Nations Bank ) and having the majority of all finances with them since approximately XXXX I have recently had some problematic issues with the credit card - XXXX XXXX XXXX XXXX. 

Unfortunately Bank of America closed this card at the end of XX/XX/XXXX and now I am astonished that Bank of America is reporting me as late multiple times on my credit for this account. 

I did first notice that my auto payment in XXXX was returned and this was the first occurrence since the account opened in XXXX. This was confusing as I was under the impression from when this account was set up as I filled out paperwork and provided a wet signature for the monthly minimum payment to be pulled via ach. At this time ( XXXX ) Bank of America informed that this auto payment would be pulled via ach and thus the automatic payment would be attempted up to three times. I discovered after this XX/XX/XXXX auto payment was returned that this is NOT the case and this payment was attempted only once. 

This situation occurred again in XXXX ( XX/XX/XXXX ) and I immediately posted a payment to this account and requested that the statement date be set up for later in the month ( sometime XXXX or after ). Since the staff member took my payment over the phone she offered me dates and I choose toward the end of each month. I remember choosing around the XXXX of the each month as my new statement date. It is extremely important that this payment is not attempted on XXXX of each month. I was told that this statement date change may not occur during XXXX but should occur starting in XXXX. XXXX payment went through fine. 

Unfortunately this change in statement date never occurred and this bank is still attempting this auto payment on XXXX of each month. ( This statement date change still needs to take place ). 

I have spent significant time during XXXX, XXXX, XXXX and now XXXX on getting manual payments over, changing the statement date, attempting to get the card open again and now this/these 30 day late marks. 

For all reasons above and since I set up this statement date change in early XXXX ( and immediately made a payment at this time ) my goal and need is to have this/these 30 day late marks removed. i have put forth significant effort on this matter, originally set up the ach minimum payment to prevent this situation ( it was supposed to attempt up to 3 times ), requested ( and thought I received ) a statement date for a later day each month during XXXX, and have made all payments to bring this account current. 

In addition to all of the above I am also a single father and this situation has caused and will continue to cause serious financial injury to me if it stays as is. 

I would greatly appreciate all of your assistance in this matter.
Product: Debt collection

I was first contacted by Transworld Systems INC with mail dated on XX/XX/2022 but was not received until XX/XX/2022. This initial letter was about an apparent debt that they had purchased and was due for collection. They had given me until XX/XX/2022 to dispute this claim by mail or phone call. I had called multiple times in order to dispute this and out of the 12 times I tried calling, only once was I able to reach someone who could talk about this debt. I was being told by every representative that they did not have authorization to view this debt and had no idea how to help me. 

On XX/XX/2022, I was finally able to reach someone and submit a verification to validate this debt. I recorded this phonecall but I am unable to upload it for validation due to it's filesize. I have an archived copy that can be submitted upon request. I had then received a letter from Transworld Systems INC dated XX/XX/2022, that they were going to submit this debt up for collection and file it with all the credit bureaus with no regard to my debt validation request. I then submitted, via certified USPS mail, a formal debt validation request using the CFPB debt validation request letter format. This letter was dated on XX/XX/2022 and was certified received on XX/XX/2022. 

Transworld Systems is not well outside of the 30 day requirement to validate this debt with my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX  XXXX, MI XXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX  XXXX, CA XXXX XXXX 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have a prepaid debit account with netspend where my XXXX is direct deposited. In XX/XX/2020 I went to XXXX  and I got out XXXX. 
Ten social security checks were deposited into the account, when social security was supposed to suspend my account while XXXX. 

Unfortunately, my identity was stolen while I was locked up and all of the checks that hit my bank were used as soon as they posted, until about three months ago when netspend noticed the weird activity and froze the account. 

I get out of XXXX  and discover all this happened, and netspend will not give me any access whatsoever to my frozen account because the thief changed my billing information. Now, I tracked the changes back to my XXXX account and found an unfamiliar address, tried to use it to access the account, after submitting all documentation proving my identity, and now the representative says I have to have proof of residence FOR THE THEIFS ADDRESS that he changed on the account. I asked them, so Im supposed to either fake mail or steal mail? 

Im not doing either. They should have a way to see the original address set on the account when it was made. They are holding XXXX $ of mine, despite me doing everything to prove my own identity except the illegal one they asked me to do. So what now? Im supposed to give up? 
And what about when social security wants their money back, because I filed a police report and notified social security of what happened. I didnt do anything wrong. I was XXXX  XXXX  in XXXX. 

I cant pay it back. I am XXXX I cant live without my check. I have no money now, I wont have any next month or the next either and I have court fees and XXXX  to pay. 

So what do I do? Net-spends customer service is nonexistent.
Product: Debt collection

fidelity capital holdings inc. this is the collection company that handling my case the original creditor is XXXX XXXX.what happen is someone come to my house 2 times but were not home but on the 3rd time she got me its a lady and she told me that shes serving me so she gave me the documents and i told them im not gon na sign for it. but she still drop the documents infront of me and left. so i took the documents and read it .and its said on the documents it was filed in the court in XXXX courthouse and the hearing date is XXXX XXXX @ XXXX ; XXXX XXXX dept.f43 case no XXXX..actually this accounts is really old since XXXX.so what i did is the following day i called fidelity and ask how much did i owe XXXX and one of the customer service told me that its XXXX plus now so i told them why its like that she said because of the interest.i was trying to negotiate them for half of it i will pay but they said XXXX will not be able to negotiate.and they told me i have a house they will put a lien to my house.so idont dont know what to do im thinking ill just appear on XX/XX/2020 and i will ask the judge if he can lower the amount.its good i saw cfpb maybe you can help me and what to do please advise.. thank you so much.. hoping for your earliest reply god bless ...
Product: Money transfer, virtual currency, or money service

Hi, My tax refund money ( Federal Refund {$10000.00} & CA Refund {$4800.00} ) was sent and deposited into the wrong account. 
Please investigate and reverse the deposit.
Product: Debt collection

I received a letter from National Enterprise Systems on XX/XX/2019 stating XXXX was going to collections because there was an account by XXXX XXXX XXXX . I never initiated and or applied nor received or purchased anything from this company. I am a victim of identity fraud. They also initiated several hard inquiries over the years gone unnoticed.
Product: Credit card

I signed up for the " XXXX XXXX XXXX '' card from American Express. One of the prominent features advertised with this card was the " 0 % APR for 12 months from the date of the account opening ''. I did not expect to be charged interest after the first month. On XX/XX/year>, I was charged ~ {$94.00} in interest charges. This interest charge seems to directly contradict the 0 % fee they were marketing. 

Last XXXX digits of the card are XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, 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: Credit card

Hi, I have been a citi card holder for many years. Just XX/XX/XXXX, I paid my card on Monday instead of Friday, while I always pay off my card in full. They hit me with {$770.00} for a balance of roughly XXXX. I have called them many times, they tell me there is no one to talk to. 

THERE IS NO ONE TO TALK TO, THIS IS RIDICULOUS!!!!!
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding several disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies, I have yet to receive a resolution or corrective action. The presence of these erroneous accounts is significantly affecting my credit standing and, consequently, my ability to manage my financial affairs effectively. 

The inaccuracies on my credit report have led to severe hardships, and I am left with no choice but to seek your assistance in rectifying this situation as soon as possible. I kindly request that a thorough investigation be conducted into each of these disputed accounts to ensure that my credit report accurately reflects my financial history. 

It is imperative that the necessary steps are taken to update and correct my credit report without further delay. I trust that you understand the importance of maintaining the accuracy and integrity of consumer credit reports and will take swift action to resolve this matter. 

Your prompt cooperation and support in addressing this issue would be greatly appreciated. I look forward to your response and the timely resolution of these disputes. 

Thank you for your understanding and assistance.
Product: Prepaid card

My mother in law purchased a {$200.00} Vanilla Visa gift card for us for XXXX. We have attempted to use this card at various online locations, and each time is denied. It's denied for any dollar amount. We were advised to try in-store and we have tried several times as well. It was also suggested we purchase a money order at USPS for the exact amount but that did not work either. In total, I have attempted to spend this gift at over 20 online merchants and it's ALWAYS denied - because no zip code can be attached. I have also reset the debit number more than 10x as it's been tried in over 20 physical stores, in both credit and debit formats without success. I have spent more than 10 hours trying to access these funds. It's now XXXX and the funds are still not useable. HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

The aforementioned credit agency representing  XXXX  has violated the FCRA by not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files :  XXXX ,  XXXX , and  XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. If Convergent Outsourcing does not have any documentation, they need to remove this from my credit file immediately.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C. 1681 602 A. States I have rights to privacy.

15 U.S.C. 1681 604 A ( 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 C. ( A ) ( 5 ) Sections states : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 S-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.

15 U.S.C 6802 ( A ) a financial institution may not directly or though any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803, Obligations with respect to disclosures of personal information.

15 U.S.C. 6802 ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a complaint for Credit reporting Improper use of my report and The credit bureaus stated 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX were properly investigated, however how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is ground for removal. My rights were violated under 15 U.S.C 1681 Section 604 Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 
I havent given these accounts written permission to furnish these accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to to express my concern regarding fraudulent items on my credit report. I recently discovered several entries on my credit report that were not authorized or initiated by me, causing significant financial damage and negatively impacting my credit score. To elaborate, these fraudulent items include credit accounts that were not opened by me, as well as charges and loans that I did not initiate or receive. The total amount of these entries is substantial and is causing harm to my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$290.00}. Despite my efforts to dispute these items with the credit reporting agencies and creditors involved, I have not received a satisfactory resolution. I have provided documentation and evidence of the fraudulent activity, but the items remain on my credit report.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Date of Birth : XX/XX/XXXXXXXX  SSN : XXXX ID Type : Driver 's License ID Number : XXXX I am a victim of identity theft, and I did not make this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 

Bank Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am writing in response to your recent communication regarding an alleged debt. Please be advised that I am unaware of this debt and have not received any proper notification as required by law. If you believe that you have provided me with proper notification, I request that you send me the certified receipt that includes my name and signature as evidence of delivery.

Until this information is provided, I do not acknowledge the debt.
Product: Debt collection

XXXX sent bill for collections and ignored my request to investigate the charges. Services were cancelled but they continued to charge my credit card. XXXX was charging me and the new resident for the same service. Then they finally issued a disputed amount in the bill that shows I have a net credit but went ahead and reported the balance with credit bureau. XXXX kept closing the tickets as resolved but never reverted back with any findings. 

No notices were received and no one provided any information. Tried to call the debt collector and left numerous messages with XXXX XXXX XXXX ( XXXX ) XXXX XXXX but no one returns my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a will be filed soon police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.