23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

So I owe about XXXX in federal loans I have been off of work for over 2 years got pregnant and was placed on bed rest because I carry my babies pretty low. Then I called Niviant witch is the company that handles my loan to get on an agreement but thay only offered me one way out and that was to pay {$590.00} for a year and reapply for the same program every year because im out of work I dont have {$590.00} to pay them I asked if there was any other option but unfortunately thay couldnt help me any further so now im place on default. Ive been calling different places to get some answers my school ( XXXX ) closed down due to fraud and I thought my student loans could be forgiving but because my school closed after I graduated I didnt qualify for forgiveness either. Im out of options is there anyway I can get some type of help for people struggling on paying there loans? Thank you so much for your time. 
XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries continue to pop up. I admit are not mine. I would want deletion from this. It is affecting me. Dates are listed on credit reports. 
XXXX shows XXXX XXXX twice. Oppurtun. XXXX XXXX, XXXX XXXX   and all others that show on XXXX  and XXXX XXXX where i sent the uploads. I had open and closed a credit card with XXXX XXXX and claed the account due to loss of job and months later i notice two inquires for the same credit card service i didn't apply. I spoke with someone and they where not able to tell me why they are inquiries on my account. I ask for deletion and was advise no.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous amounts of unauthorized credit inquiries on my credit report. I have already tried reaching out to the reporting company ( 90 days past ) or more to be exact & credit bureaus to removes these inquiries but havent received a resolution to my problem. Due to the inaccuracies reporting on my credit report have hindered my abilities to get loans or credit from companies. I ask that of CFPB to actively support my claim to get these items removed from the credit bureaus. 

Company XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX DBA XXXX  Inquiry date XX/XX/XXXX Company  XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company  XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX/ XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company Capital One Auto Finance Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Applied for credit with Acima - I was immediately given an email stating my app was declined but when you look for the denial reasons etc. It stated it couldnt confirm my identity etc. It pormpted me to call to see what could be done to manually decision the app. I called, spoke with someone who stated they would need the following info bank statement, id, bill, and a paystub- i emailed the requested info to Acima and not response - i followed up today and im being told they dont have any info as it relates to my app and try to reapply in 30 days. not only is this a hard ding to my credit but i have no idea how my personal information is being used. this is a scam
Product: Mortgage

This is a second complaint. Original complaint case number is XXXX. Not only has NationStar been untruthful. evasive, they also use fraudulent or deceptive practices in their responses to the first complaint, they have continue to do so. Since I filed the first complaint, below is a list of illegal action take against me by NationStar. I have also attached supporting documents to show NationStar claims are fraudulent and deceptive : 1. NationStar misrepresented the amount owed. The partial payment amount was {$1300.00} has ballooned to {$5800.00} as of the statement provided by NationStar XXXX/XXXX/XXXX. see attached. 
2. Reporting false information to the credit reporting agencies. According to XXXX, I was 30 days late with my payment for XXXX, XXXX, XXXX, and XXXX XXXX. XXXX 's payment posted by NationStar XXXX/XXXX/XXXX, XXXX 's XXXX/XXXX/XXXX, XXXX 's XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX. No payment has been late since XXXX XXXX see attached 3. Harassing telephones calls several time a days at home and work by different loans specialist based on a list they are provided without knowing the status of the account. I reported to work at XXXX in the morning and there are calls on my answering machine from NationStar. 
4. I have made all mortgage payments on time since bringing my account current om XXXX XXXX XXXX see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

many credit card on my three bureau that i knew nothing of write the three credit bureau no one response base on the 609 law it is illegal to report item on someone credit without the proper document. ssn # XXXX. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

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

On Sunday XX/XX/XXXX XXXX XXXX informed me that a new account had been opened under my name. On Monday XX/XX/XXXX I received a BP Visa Card in the mail. On Monday XX/XX/XXXX I filed a dispute with XXXX XXXX. On Tuesday XX/XX/XXXX I received a letter from SYNCHRONY Bank asking for confirmation that I had opened a BP Visa account. On Wednesday XX/XX/XXXX I called the Bank and they opened a fraud account, they closed the account and said that they would sent notification to the credit rating companies.
Product: Vehicle loan or lease

I paid off my auto loan with Chase Auto Finance on XX/XX/XXXX. It is now XX/XX/XXXX, and to this day, neither Chase nor the XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX have been able to help me get the title transferred. I have had to schedule several appointments to the XXXX XXXXXXXX XXXX XXXX XXXX over the last year, taking time off from work only to be turned away with the excuse of " a missing document '' ( each time a different one ). The first time, it was the certificate of title that was missing Chase 's signature. After several phone calls, even attempting to get support from a local branch, and experiencing extreme delays, I finally received the signed title on XX/XX/XXXX. I then took it to the XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and they refused to process it once again, this time saying that the affidavit was missing Chase 's signature. I repeatedly called and messaged Chase, only to be told that their signature is not required and refusing to help me any further. Since I was traveling, I even tried to contact the XXXX XXXXXXXX XXXX XXXX XXXX via their website form to get guidance and never received a response. I finally took this message in person to the XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, asking if they can help me out if Chase is straight up refusing to sign the affidavit. This time, they told me I don't need the signed affidavit, but I do need a new odometer disclosure statement. I messaged and called Chase right away, letting them know that I need a new odometer disclosure signed and mailed by the end of this week. They promised to give me an update today, XX/XX/XXXX, and I called them only to find out they apparently didn't even take my address down. They have not even been able to confirm if they will indeed be sending me a new odometer disclosure statement. It is absurd that this process has taken more than a year ( and is still ongoing ). Working with both of these parties has been an absolute nightmare of an experience.
Product: Debt collection

I just was hit with a XXXX + debt collection for what says to be XXXX XXXX XXXX in XXXX Oklahoma. I have never lived there and currently own my home in XXXX, OK. I am in the process of obtaining a Line of credit and this will inhibit me from doing so. I am strongly inclined to seek legal compensation from damages as I may not be able to obtain financing now for this Business LOC and/or interest rates be higher as a result of a rapid credit decline due to the negligence and improper reporting. This should be removed immediately.
Product: Credit reporting or other personal consumer reports

Experian has refused to delete a derogatory claim that I owe an approximately {$600.00} XXXX  bill. I disputed the charge with the provider several years ago. The charges were unauthorized at the time. I explicitly directed the doctor not to order the tests which were not fully covered by my insurance. The tests were ordered contrary to my instructions. Recently the item has appeared on my credit report even though the dispute is from several years ago. In response I disputed the item with Experian but they simple accepted the claim as reported. No genuine effort was made to rectify the situation.
Product: Credit reporting

After terminating service with trash collector they are trying to collect a payment in advance. Years of monthly service and payments, the payment of 3 months in advance was demanded, therefor service was terminated. Now this has been sold to a collection agency a year or more later. Documents destroyed due to frustration with vendor.
Product: Credit reporting or other personal consumer reports

I am writing to officially bring to your attention an incident of identity theft that has recently come to my notice. Following a thorough examination of my credit report, I identified numerous unauthorized accounts and inquiries that were not initiated by me. I want to emphasize that I did not apply for these accounts, leaving me certain that I am a victim of identity theft. 

In response to this alarming situation, I have taken decisive steps to rectify the issue. I have filed a comprehensive police report outlining the details of the identity theft and promptly reported the incident to the Federal Trade Commission. I am reaching out to you as an essential part of my effort to address this matter urgently. 

I kindly request that you initiate a swift investigation into the fraudulent entries on my credit report. Once identified, please take immediate action to remove these unauthorized accounts. I seek your assurance that this correction will be promptly confirmed and communicated to me in writing. 

Your immediate attention to this matter is crucial, and I appreciate your cooperation in resolving this identity theft incident efficiently. 

Thank you for your prompt consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXX/XX/XXXX XXXX, CA XXXX XX/XX/XXXX Re : Account # XXXX To Whom it may concern, While looking at my credit reports I have noticed inconsistencies with the information on all three credit bureaus. As you know, this is not allowed. I have disputed this account several times. 

Why does XX/XX/XXXX have this account showing I am still making payments? This was paid off in XXXX. 

XX/XX/XXXX. 
XX/XX/XXXX Shows that I have one late payment XX/XX/XXXX, XX/XX/XXXX reporting 31 late payments. 
XX/XX/XXXX showing excellent payment history no late payments I disputed this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am getting an auto response that it will remain on my XX/XX/XXXX reported unchanged. How when nothing was validated? 

XXXX XXXX XXXXXX/XX/XXXX on XXXX removed all payment history from both reports. Right before I received and update from my dispute with XX/XX/XXXX. That this will remain unchanged. I never reported this account with XX/XX/XXXX or XX/XX/XXXX. Why would the creditor remove the payment history? 

I recently received an automated response from your e-Oscar verification which is not acceptable. No one physical contacted the Creditor asking for verification. I have attached my response I received from Creditor. If I asked XX/XX/XXXX to help me verify this debt. How could XX/XX/XXXX allow the Creditor to submit what I received as proof? 

Why is Creditor unclear on my request which XX/XX/XXXX contacted for proof. I am requesting for a deletion of this account from all three Credit Agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit item listed on my XXXX, EQUIFAX AND XXXX XXXX file is not being removed after 7 years and is a violation of my consumer rights : XXXX XXXX  - $ XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent Experian an FTC Affidavit via XXXX postal service certified mail which included copies of my driver license showing my correct address as well as my social security card. Im filing this complaint because Experian has failed to honor my dispute which outlines the inaccurate reporting of my address. The same information was sent to XXXX as well as XXXX. In which they have also failed to honor my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. To date, Equifax has not responded, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report is as follows : Equifax is reporting an account under the name XXXX XXXX XXXX  XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$800.00}. However, I have no association with this account, and I request that Equifax removes it from my credit report. 

Equifax has included an account attributed to XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00}. I want to clarify that this account does not belong to me, and I request its removal from my credit report. 

Equifax has listed an account under the name XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, XXXX : {$1700.00}. However, I have no association with this account, and I request that Equifax removes it from my credit report. 

Equifax has included an account attributed to XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00}. I want to clarify that this account does not belong to me, and I request its removal from my credit report. 

Equifax has reported an account under the name XXXX XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00}. However, I have no association with this account, and I request that Equifax removes it from my credit report. 

Equifax has included an account attributed to XXXX  XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00}. I want to clarify that this account does not belong to me, and I request its removal from my credit report. 

Equifax has reported an account under the name XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, High Credit : {$220.00}. However, I have no association with this account, and I request that Equifax removes it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts showing and it's not mine. Please remove it.
Product: Credit reporting or other personal consumer reports

In my capacity as a consumer to address serious concerns regarding the reporting practices of XXXX and XXXX and Transunion consumer reporting agencies. please delete the following company for violations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX section XXXX ( a ), it is XXXX that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. Furthermore, XXXX XXXX XXXX emphasizes the obligation of financial institutions to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. 

According to XXXX XXXX XXXX section XXXX ( a ) ( XXXX ), consumer reporting agencies are only permitted to furnish consumer reports in accordance with the written instructions of the consumer. I have not provided written consent for XXXX, XXXX, or [ Furnisher of information to credit agencies ] to furnish my personal information. Therefore, any consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Moreover, XXXX XXXX XXXX ( b ) ( c ) requires financial institutions to inform consumers of their right to exercise a nondisclosure option before disclosing nonpublic personal information to nonaffiliated third parties. However, I have not been informed of this right by [ Furnisher of information to credit agencies ]. 

Additionally, XXXX XXXX XXXX ( a ) ( XXXX ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. The reporting of adverse information without my consent is a violation of this provision. 

Furthermore, XXXX XXXX Code XXXX ( A ) ( XXXX ) mandates that information furnished to consumer reporting agencies must be accurate, and XXXX XXXX Code XXXX requires consumer reporting agencies to maintain reasonable procedures to ensure compliance with FCRA provisions. XXXX and XXXX are not upholding these standards, as evidenced by the inaccurate reporting of my personal information. 

Finally, according to XXXX XXXX XXXX, consumers have the right to opt out of reporting services at any time. Therefore, I am formally exercising my right to opt out of the reporting services provided by XXXX, XXXX, and [ Furnisher of information to credit agencies ]. 

In light of the aforementioned violations and concerns, I expect immediate cessation of the furnishing and reporting of my personal information to consumer reporting agencies. Failure to comply with this request will result in further legal action to protect my rights under the FCRA. 
I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. 

Thank you for your prompt attention to this matter. I anticipate your compliance with my request.
Product: Credit reporting or other personal consumer reports

Company : XXXX XXXX XXXX XXXX : amount of XXXX XXXX XXXX  : amount to of : XXXX XXXX  XXXX XXXXXXXX XXXX : Amount of XXXX I never had a contract with this debt collector for any debt. Account have been disputed numerous of time and have not been removed. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 XXXX XXXX PST XX/XX/2021 XXXX XXXX  XXXX/XXXX  {$450.00} USD After sending the money it reads and i got deducted and then all of a suddenly my transaction is been cancelled and am been refunded back into my account. i contacted remitly agent on phone and they told me it was because I already had two different types of account in my name which was suspended so, That was why my transaction wasn't going through but i should rather contact the Consumer Financial Protection Bureau so that they can assist on my transaction. Well, i used remitly once, but didn't know what happened and my account got blocked and i tried creating a new account and that also got blocked and just recently i decided to create one and speak with their customer care representative on this problem but this transaction not going through is that you guys had to cancelled it so they asked me to contact you for an assistance first and so i need your help on this to make my transaction successful.
Product: Checking or savings account

Wells fargo bank Account XXXX Is reporting on my credit profile a wrong information, and is making me unable to open a bank account in another bank institution. It is reporting as a credit card on my credit report when it was not! Neither i had a credit limit with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint again to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.These following items listed below are unknown to me. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XX/XX/23 for a collection account that is being reported on my Experian account but NO other credit report because it has been disputed before and found to be INACCURATE and was removed. The collection was NOT investigated. On XX/XX/23 the investigation was closed and it did not result in any change to the inaccurate reporting of a collection account.
Product: Credit reporting or other personal consumer reports

I recently received inaccurate background information from your company regarding a tenant screening. After disputing this information, I was informed that it was " verified '' through an online portal accessible to the public. However, this information is both outdated and incorrect.

I requested C

iC verify the accuracy of this information and provide a detailed description of the procedure used to determine its accuracy and completeness. Including the business name and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher if reasonably available. Despite my request, your company has informed me that no further investigation will be conducted on this matter. I urge you to reconsider and conduct a thorough review to resolve this dispute appropriately.
Product: Debt collection

LVNV FUNDING LLC send me an email claiming a debt of {$590.00}. and the acc number they send was XXXX. 
This email was sent right after I was checking my credit reports. I never authorize this company to send me emails or give them my email. 
I do not know this company and I never had any business with them or signed a contract with my physical signature.