23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 BANK XXXX Account Number XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX & XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name DEPT OF EDXXXX Account Number XXXX Account Name DEPT OF EDXXXX Account Number XXXX Account Name DEPT OF EDXXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name DEPT OF ED/XXXX Account Number XXXX Account Name DEPT OF ED/XXXX Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX Account Number XXXX Account Name DEPT OF ED/XXXX Account Number XXXX Account Name DEPT OF ED/XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account XXXX XXXX XXXX  Account Number Account Name XXXX XXXX Account Number XXXX Record Type XXXX XXXX bankruptcy dismissed Reference Number 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 15 U.S.C 1681c. ( 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 of crimes which antedates the report by more than seven 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: Payday loan, title loan, or personal loan

I signed up for CareCredit In XX/XX/2019 to cover a medical procedure at XXXX XXXX in XXXX, FL. The details provided on the form were correct. In late XXXX or early XXXX I saw a negative account issue in my credit report, but I had never received any billing information from CareCredit. They sent me no mailings or emails regarding my account, the new account number or the balance. I called them and spoke to a representative who confirmed that the address was correct and he stated that the mail was inexplicably returned as " not delivered '' or " undeliverable ''. After the conversation, I did receive the information required to make payments and the account will be paid off tomorrow but my credit report has been damaged through no fault of my own. I have since learned that this is not the only occurrence of this type of behavior by CareCredit and that they are quick to report issues to credit reporting agencies without following up on making contact with their clients. I would like to see my credit report repaired and see CareCredit held accountable for this deceptive practice.
Product: Credit card or prepaid card

report number XXXX for chime dispute from XXXX XXXXXXXX. chime gave me a {$1.00} check in the mail and sent the check back to chime because that is not the right amount im looking for the amount for the check is {$1000.00} & {$1900.00} the dispute item that was unexpected charge on my chime credit card account from 2020
Product: Student loan

I am currently i repayment status on my Student Loans, I have been paying on time since XXXX with my last payment on XXXX XXXX. I made a payment on XXXX XXXX via the website and on XXXX XXXX, I received an email saying my payment was still due. I called the agency and spoke with a agent who confirmed that their system was not reflecting that I made a payment on the XXXX XXXX. I accepted his explanation and made another payment on the XXXX XXXX at XXXX XXXX EST via XXXX web page and received a payment confirmation number on the page and a confirmation email from the them as well. Today, XX/XX/XXXX, I received a email stating that my loan payment has not been paid and when I looked at my account it said my account is past due. I am not sure why their system is refusing my payment and I am afraid they are reporting my payments as late even though I made my payment on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

This is a formal notification that Experian is in violation of multiple provisions under the FCRA, Violations of My Rights : Inaccurate Information : The fraudulent account remains on my credit report despite being unverifiable ( FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ). No Legitimate Purpose : The account was opened without valid authorization ( FCRA 15 U.S.C. 1681b ( 2 ) ).

Failure to Block Information : The agency did not block information related to identity theft ( FCRA 15 U.S.C. 1681c-2 ). Lack of Compliance : There has been a failure to follow FCRA rules, causing me harm ( FCRA 15 U.S.C. 1681n and 1681o ). Please be advised that if you do not initiate an investigation into my dispute and delete the disputed information within four business days of receiving this notice, as mandated by 15 USC 1681c-2 and in accordance with my rights under the Fair Credit Reporting Act, I will be compelled to pursue legal action to protect my credit rating and my interests. Each violation of the FCRA carries a potential liability of {$1000.00} should this matter escalate to court.
Product: Student loan

My income sensitive payments were stopped without warning. I did n't have a chance to contest this and had to pay several months of a much higher payment until I could finally get another income sensitive rate. I was also told I can not defer my payments even though I am unemployed. Communication from Navient is poor.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX came into an account and contract that was owned by XXXX. On XX/XX/XXXX, the account is placed on my credit reports. There is no warning, no letter, and how they have tied this account to my identification is a wonder they still have not explained. I have sent 2 faxes to the fax number attached to their company in Washington. I have also sent 2 letter. I never received a letter informing me of this account because I would have easily been able to disprove it being mine. This is the lone collection on my reports and it has shot my score all the way down. XXXX XXXX has been completely reckless in it's handling of my personal reports. I have no contract to pay XXXX XXXX ANYTHING and they have no legal leg to attempt to collect as well as damage my report.
Product: Credit reporting

To whom it may concern, I am writing you in the hopes that you can help me remove an unwarranted item on all 3 bureau 's credit reports. Specifically, this involves the reporting XXXX mortgage payments. 
Please allow me to explain : I went through a divorce about XXXX years ago, at which time, I gave the title to our home to now my ex-wife. This was to keep the children in their home and minimize the disruption as much as possible. However, I was the sole person on the bank mortgage with XXXX Bank. Within the divorce decree I increase the necessary maintenance to my ex wife in order for her to be able to pay the mortgage and keep the house. Although I continued to send the necessary funds to her each month to cover that mortgage, she pocketed the money and did not pay. I asked my attorney if I could withhold those funds each month from her and pay the mortgage myself, at which time i was advised that it would be illegal to do so. So this went on for several months despite both my attorney and myself saying we would have to take this to court. After about XXXX months of non payment, we did take this to court in XXXX of 2012. She was found to be in contempt of court and ordered to bring the mortgage current within XXXX months and make the expected payments in the future. She ignored this court order and never paid a dime for the mortgage, despite my continuing to pay her the money to do so. This went on for a period of XXXX months until she put the house up for short sale. In the meantime my credit score continued to plument though no fault of my own. 
I brought this to all three credit reporting agencies including the supporting documentation from both the divorce decree and the contempt of court charge with reason listed from the courts. 
Despite the story description and the written proof which was provided, they have refused to remove it. 
It has been very difficult to manage things, including student loan co signing for my child 's college with this weighing me down. So I humbly ask you, can you please help me with this? 
I have provided the same written proof to you in the attachment below that I did to the credit agencies. 
If there is anything else you might need from me, please do n't hesitate to contact me. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I went on to a couple car sites and used their prequalified method to see if a Vehicle I like what my rates would be. Long story short these people have shopped my report to Multiple places and now people are calling me to purchase a car. This is violation or my credit report and personal information being shopped to vendors without my consent nor knowledge. Please delete the state inquiries below, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 never authorized any of these credit inquiries on my report.
Product: Credit card or prepaid card

I buy items from XXXX an online auction house. They have a variety of auctions. I sell sports trading cards online and have had luck bidding and winning cards at auction. I also found an auction house that had a 1 carat diamond up for auction. I decided to bid and won. - 1.00 ct Brilliant Cut D Color VS2 Diamond NGIC. 

After providing my Chase Credit Card they shipped the diamond to me. My family has been in the XXXX business for years, and I was looking forward to receiving the stone. I noticed the same exact diamond up for auction again and called XXXX XXXX to inquire about the stone. XXXX, from XXXX XXXX, told me they have a lot of stones for auction and assured me that my stone was on its way. I asked her if it was a real diamond, and she said YES. Once I received the package it contained a trifold brochure which was in a foreign language. I eventually found out it was in XXXX. After I translated the one page I saw the words- Laboratory cultivates. I had a local jeweler look at it and he confirmed it was a lab created stone. They were very busy and he said they would have to charge me {$150.00}, and it would take 2 weeks to do an appraisal. I didn't think I needed to confirm what the auction house was selling ; It stated it was a lab created diamond in the XXXX XXXX. Chase is using that against me because I did not get a second opinion. Why would I need to confirm? They admitted it, in XXXX. Chase told me to work with the merchant. I did and they eventually said they would refund my money. I sent the stone back in the original packet, but I did not have the trifold brochure. I misplaced it. They will not refund my money because I did not return the brochure. I said I would cover the cost to get a new copy. They said NO. I talked to Chase about it and they will not stand behind me as their customer and sided with the merchant. 
Chase ruled it was an appropriate charge and I was responsible. XXXX will not return my calls and did not refund my money {$1200.00}. XXXX XXXX does not say that the diamond is lab created in any of their advertising. And they still do not indicate that they are auctioning a manmade/lab created diamond. I read the horrible reviews after the fact. They have misrepresented a lot of items and say they have certificates of authenticity, but they are not worth the paper they are printed on.
Product: Credit card or prepaid card

I was the victim of a cyber/XXXX  scam involving XXXX XXXX and Capital One and XXXX XXXX  XXXX XXXX XX/XX/XXXX I have reported all of this to the agencies involved including the following l. FTD case XXXX, case XXXX ( as a back up claim ), 2.Ma. State attorney 's general office, case XXXX, 3.Capital One Fraud Resolution Dept, case XXXX, 4. XXXX XXXX  Police Dept, case report XXXX ( I delivered this in person ) ALL OF THESE WERE REPORTED ON XX/XX/XXXX XXXX ALSO, HARD COPIES AND PDF FILES SENT CERTIFIED MAIL TO ALL OF THESE DEPTS. 

Will download my pdf files and they will be self explanatory ; Am getting no where with these credit card/bank agents and the sum involved is {$5000.00} It was supposed to be recorded and stated as ELDER FINANCIAL ABUSE/EXPLOITATION BY CAPITAL ONE ETC AND IT WAS NOT. 

XXXX XXXX XXXX froze my computer and I verified the number before I called Capital One. I dialed the number that was on the back of my credit card for customer service and then it started ; the lines had been compromised and customer service transferred me to the Fraud Dept., I also had asked for Names, Id 's etc and was given false information ... also the secure lines used were cell phones, etc. When I called the bank the next day, they said there was not a pre approved cash transaction on my credit card with them for {$5000.00} and so I cancelled all of the cards involved and the process of reporting all of this began. I will notify XXXX XXXX of this breach also
Product: Vehicle loan or lease

I received a loan from Santander for {$12000.00} approximately four yrs  go.Had hard times and fell behind and charges tripled and can't keep up the pace. I have paid around {$17000.00} so far and still owe {$14000.00} on an XXXX  XXXX XXXX in which XXXX XXXX XXXX XXXX says is worth {$2000.00} as trade in, most others say {$1200.00}. My family need a larger vehicle now and can't get out from under this for another 3-4yrs. I read the loan lawsuit on Santander and am thinking I may have fallen prey to this scam. Any help will be appreciated. I have been informed by car dealers that Santander s known for entrapment of consumers and to just let the car go but I really don't wish to but may be no other way out. Thank You,
Product: Mortgage

On XX/XX/XXXX I was working with a broker at Nexa mortgage to secure a 25 year XXXX loan to purchase a mobile home. The broker was very responsive XX/XX/XXXX and XX/XX/XXXX and provided me with a pre-approval letter to use to create my buyers contract. After providing all my information online and getting my contract submitted to the seller, all communication stopped from the XXXX and Nexa Mortgage. I have texted the broker 4 times, left a voice message 3 times, called the corporate office 3 times, my realtor called the corporate office and contacted a local broker for XXXX to see if they could help. I had a receptionist at Nexa Mortgage tell me that I would receive a call back within XXXX hours and that was on Tuesday XXXX. It is now XXXX and I have not received any email reply, call backs, text reply or any communication from Nexa Mortgage XXXX Since XX/XX/XXXX they have completely gone dark.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been addressing this problem for over a year. JP Morgan Chase is reporting my account is a business account but the credit reporting agencies is still reporting it as a personnel account instead of a business account. 

On XX/XX/XXXX, I filed a complaint of fraudulent credit reporting activities of JP Morgan Chase. During that time, I investigated months of credit reporting from all three credit bureaus and was disturbed from the inconsistencies of reporting on my credit report. I did not only find that the credit agencies allowed J.P. Morgan Chase to change a XXXX business account in the name of XXXX XXXX. to an individual account and call it revolving account in the name of XXXX XXXX. This change took place thirteen years after the XXXX Business Account was opened XX/XX/XXXX. But also, the credit bureaus reported this information without investigating the fraudulent data given to them from JP Morgan Chase.
Product: Credit reporting or other personal consumer reports

I am submitting this request to formally dispute several negative items that appear on my credit report. After reviewing my report, I believe that these items are inaccurate, incomplete, or unverifiable. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough investigation into the following disputed items and delete any negative information that can not be verified or are found to be erroneous. 
Please find attached copies of documents that support my claims. I kindly request that you review the evidence provided and take the necessary steps to correct my credit report. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NV, XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00}, XXXX XXXX XXXX XXXX Balance : {$3600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened up my celerity credit report and found that my address, Number and name were incorrect
Product: Mortgage

On XX/XX/XXXX, I requested loan documents from Fay Servicing. The account portal has a tab that says loan documents but there are not any documents attached. The enforced insurance information is also not available. There is not a payment history on the dashboard and can not tell who and when a payment was made. The same with statements. Statements do not reflect how a payment was made or when. The response I received from them was that an attorney was handling the mortgage and they needed the attorney 's permission. I am in bankruptcy but my lawyer has provided them several times with authority to speak to me and the Bankruptcy Judge has also ordered that they must speak with me. Fay Servicing is also not reporting information correctly. My husband and I applied for a mortgage loan in XXXX together and should contain reports to both of our social security numbers however, they are only reporting interest payments to my husbands. I have paid over {$50000.00} in arrearages through bankruptcy and Fay continues to try to collect on them. Fay Servicing will not communicate effectively or provide documents.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX on XXXX under the account number ( private ), and a collections account opened at XXXX XXXX XXXX on XXXX with a balance of XXXX ( private ) These accounts have resulted in several fraudulent collections appearing in my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts or collections as reported. The accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections, are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/2024, XX/XX/2024 I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Money transfer, virtual currency, or money service

My financial institution and Zelle failed to investigate my claims. They informed me that recovering lost funds is impossible and that tracking these transactions is unfortunate. Zelle has neglected to protect consumers and also has allowed repeat offenders to exploit the system leaving users vulnerable to scam this is unacceptable.
Product: Debt collection

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX  that you have included information below in my credit profile and that you have failed to maintain responsible procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws insure that bureaus report 100 % accurate credit information. 
Every step must be taken to assure the information reported is completely accurate and correct. the following information therefor needs to be re-invested. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I have attached the FTC identity theft report including all inaccurate information. Failing that, the item must be deleted from the report as soon as possible, As the item is inaccurate and incomplete. please delete this misleading information, Thank you!