23daVinci/CFPB_Complaints huggingface dataset:
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 debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you 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 XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

Back in XX/XX/XXXX I had XXXX XXXX dollars in Debt for students loans. I 've been making small payments to them each month since then up to XX/XX/XXXX. Now my balance shows XXXX XXXX dollars. Its extreme painful to keep seeing this loan going up instead of down.
Product: Credit reporting or other personal consumer reports

I RECENTLY DISCOVERED THAT I WAS A VICTIM OF IDENTITY FRAUD. I HAVE PROVIDED SUPPORTING DOCUMENTATION MULTIPLE TIMES TO SUPPORT MY CLAIM. MY CONSUMER RIGHTS ARE BEING VIOLATED EVEN WITH THE SUPPORTING DOCUMENTS AND EXPERIAN IS REFUSING TO REMOVE FRAUDULENT ADDRESS THAT ARE REPORTING ON MY CREDIT REPORT.
Product: Debt collection

This credit collection company has been harassing me on a daily basis from numbers varying by XXXX or XXXX digits at the end, sometimes even numerous times a day. I called them back 6 times today and told them on every recorded line to never call me again and many of the collector agents responded with abusive/insulting language, not letting me talk, or hanging up on me. Chase has already dropped my credit because of this debt by over XXXX points for the next XXXX years. Theyve single handedly ruined any chances I may have at securing housing, loans, assistance, etc on top of being XXXX and already less likely to be eligible for these things. 

Ive disclosed Im a XXXX federal worker. Not to mention today is my birthday and they couldnt even wait XXXX more day to go back to harassing me. 

Theyre making my life significantly harder than it already was, its unbearable, and my livelihood has been significantly damaged as a result of Chase Bank and XXXX XXXX XXXX XXXX.
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 XXXX XXXXXXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing 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: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these inquiries Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted these fraudulent inquiries.Please help me delete these illegal inquiries from my credit reports. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Never had a contract with them before its an account from XXXX, XXXX doesnt even exist anymore. They couldnt provide the documents with a signed contract for me so I asked them to delete it and they wont.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bloomingdale 's credit card, which I used to make a purchase in XX/XX/2020. Typically I pay my card ahead of time, but with the pandemic and lots going on with my family 's health, I innocently forgot to make a payment. No one from Bloomingdale 's or Citibank reached out to me. I didn't even know the card was issued by Citibank until I logged into my Bloomingdale 's account online, realized I had missed 4 months of missed payments and called into their contact center XX/XX/2020. Citibank says I didn't receive a reminder for my payment or any notifications for a past due amount because Citibank still had my old information - which I was unaware of, and wondered why on earth they didn't have my updated information because : Before the pandemic, I had moved and updated all my contact information ( address + phone number ) associated with my Bloomingdale 's account - or so I thought. No one told me that I needed to go one step further and update the info with Citibank. I thought I had taken all the responsible steps necessary. The credit card holder agreement does not spell out that the customer is required to take additional steps to reach out to Citibank and update their information. 

Therefore, all paper statements and outreach went to an old address, and calls went to an old phone number. Citibank claims they sent me statements electrionically, which they did, however, 1 ) the email statement comes from a Bloomingdale 's address which went to a spam folder, and 2 ) this is not notification of a late payment - it is merely sending the statement electronically. If Citibank was reaching out using my old contact information with no success, they should have contacted Bloomingdale 's to see if they had the right info. Furthermore, instead of syncing the information which I responsibly updated in my online account, they have told me that it is my fault that I didn't take the extra step to update Citibank. I wasn't even aware of Citibank - given the site is completely branded Bloomingdale 's. 

I find this misleading and an unfair burden to the consumer because the card is 100 % branded Bloomingdale 's and there is no mention of Citibank on the actual card, service phone number, etc. I was thoroughly confused by their lack of ability to sync customer contact information - and if that is not spelled out in the card holder agreement, how am I supposed to supernaturally know that I need to take the extra step of coordinating with Citi, whose brand is not visible to me in any way through the management of my Bloomingdale 's account. 

This is how these credit card companies keep a strong revenue stream - unfairly charging customers for fees, just because they have " policies '' to do so - without acknowledging their misrepresentation of the company I am actually dealing with, and how to manage my information with it.
Product: Student loan

To whom it may concern, Im formally requesting the discharge of all student loans held by XXXX. Over the years I feel companys policies and practices has been misrepresented. Theyve failed to offer proper guidance about my loan repayment options. 

Initially my loans were through XXXX XXXX and my accounts were sold to XXXX, without any notification or warning. Blinding trying to maneuver through this company processes, XXXX  encouraged me to enter forbearance and/or deferment programs. As the income-driven repayment plans may have been the better option. This could have made my payments more affordable and eligible for eventful forgiveness. Instead, as a result of entering the forbearance and/or deferment programs has caused my loan to increase due to the capitalized interest. Which in turn has led to years of financial strain and has profoundly affected my ability to meet my financial obligations. 

Upon some research I recently found that XXXX  has had a history of misreporting my payment status to credit agencies severely damaging my credit score. This has caused a domino effect with me being eligible for more favorable repayment options and ultimately contributed to an overwhelming amount of increased debt well beyond what I originally borrowed. These practices by XXXX  are consistent with the widespread fraudulent behavior which caused sues by numerous states of the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for considering my request. I hope the CFPB will swiftly and decisively hold XXXX  accountable and provide the relief borrowers such as myself desperately need.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian several times for almost a year by mail to have a debt reporting by a company named XXXX XXXX  that I hold no contract with nor have I received services from. This company is reporting a collection account against my SSN in the amount of {$810.00}. I have requested verification of this debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for this alleged debt.
Product: Debt collection

XXXX XXXX XXXX has been trying to collect a debt that does not belong to me..the account was closed and once I started disputing it XXXX XXXX XXXX   illegally re-aged the debt.It went from being closed and nearly falling off to being reopened and the fall off date is way past the original date..they have not been able to supply me with the original contract and are taking advantage of me..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a request to XXXX Experian and XXXX XXXX ; to investigate errors on my credit report. They are supposed to respond within 30 days. I have yet to receive my responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Debt collection

National Credit Services has been reporting on my credit report for a number of years an account that no longer belongs to the client they once represented. I that this is an aggregious act of misreprentation, fraud, and harmful to consumers. Spoke with XXXX XXXX office on XXXX, who reported that have not done business with National Credit System in years and they should not be reporting or collecting any money on their accounts. However, when I contacted NCS, they indicated I had an balance of {$160.00} and were ready to take a payment. In fact the account was XXXX which had already been paid but yet here they were trying to take a payment for an account which was no longer theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXXXXXX 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 XXXXXX/XX/2021
Product: Debt collection

What is the FCRA 15 code 1681n? 
Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Credit card

My account was closed because of a XXXX XXXXransfer and I called to have issue addressed an no one would assist in fixing my account I just kept incurring fees and interest on a transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent documentation regarding unknown and inaccurate accounts I found on my credit report. It's over 30 days now but I haven't received any response. I was a victim of an XXXX  Data Breach. I demand to Deleted those accounts or I will file litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is continuing to report a claim of {$410.00} from XXXX reported by a company doing business as " XXXX '' XXXX however acknowledges that there is NOT now, NOR ever has been, any such debt. XXXX  further states that there has NEVER even been an account associated with me, and that there has never been any account under my name, nor under my SSN, nor under my phone number, nor under my address. 
I have repeatedly explained all of this to XXXX and to TransUnion. 
I have even provided, in writing and over the phone, the phone numbers and the names of officials at XXXX  who confirm that there is no debt, and that there has never been an account under my name, ssn, phone number, nor address. 
Most recently, on XXXX XX/XX/XXXX at XXXX, I spoke with XXXX at XXXX  ( XXXX XXXX ). He confirms AGAIN that there has never been an account associated with me. There is no debt. 
I was transferred to his supervisornamed XXXX who researched the matter and AGAIN states that there has never been an account associated with me. There is no debt. 
I was then transferred to another individual named XXXX who AGAIN confirmed that there has never been an account associated with me. 
No matter how many times I dispute the matter, " XXXX XXXX " refuses to send any copy of anything to me to support a claim. Over the phone TransUnion reports that they have nothing to validate any claim, yet refuses to remove the claim. I have never been presented with anything substantiating a claim, nor even hinting at the possibility of one. Ultimately there are at least two factors here that are dispositive : 1. No one has anything to indicate what the alleged debt was for. 
2. XXXX agrees that there ihas never been such a debt and there is no basis whatsoever for a claim, since they have never had an account associated with me. 
There is therefore no valid reason for TransUnion to continue to report it.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/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  credit reporting agency , 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 collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  XXXX XX/XX/XXXX with a balance of {$270.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

My rent check with through on the XX/XX/XXXX and my direct deposit from my company went into my account at the same day as my rent check. Wells Fargo still charged me overdraft protection. I called Wells Fargo to find out what time my rent check was processed because I knew I would have money in my account. I got the email at XXXX on XX/XX/XXXX, that I had an overdraft, but my direct deposit was already in my account.
Product: Money transfer, virtual currency, or money service

I sent {$50.00} via Zelle to an alleged company to cover shipping of a package from XXXX to the US. I believe all of the scammers are in the USA though. It seemed legit at first but as the conversation went on and based on the repeated requests for money, the insistence that it had to be received right away and then the fake XXXX  invoice received afterwards asking for even MORE money, I realized I had been scammed. This happened from XX/XX/XXXX through XX/XX/XXXX. Money was sent today. 
The scammers ised the XXXX app and impersonated a popular XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Credit card or prepaid card

I made a purchase at XXXX XXXX. I ended up getting their store card which is done through TD 's renovate credit card. We were there shopping for a long time, like almost 5 hours, and ended up buying for several rooms. We were negotiating along the way, my mother in law was negotiating with the sales man, and they kept drawing up new sales sheets, like it will be this much if you buy this stuff, it will be this much if you buy this stuff, and at the end when we made our final decisions, errors were made in copying prices over from the several pages. The receipts I have at home reflect three prices and can't be understood well, and I did say something at the store but they said don't worry, only the tax was charged today and the store card will be charged the correct difference in XXXX and you will get the bill in XXXX ( the store was closing in XXXX, even though we were shopping in XXXX ). We agreed on {$3600.00} flat but they have overcharged us. They charged us a " deposit '' that same day which we were told was equal to the tax of the items. We were charged {$340.00}, but this tax amount is the tax of a {$3800.00} subtotal. {$3600.00} less {$340.00} is {$3300.00}, which is what I expected the store card to be. I was told in store that my payments would be {$55.00} for 60 months, but when I got the bills it ended up being {$53.00} for 72 months. That is a whole extra year of money. When the furniture arrived in XXXX, except for the mattress, it did not seem like new furniture. The dining tables and chairs had scratches, and we bought 4 shelves that were also scratched up and missing the finished top that it had in the store. Also, our entry doorway molding was damaged, our hallway walls were scraped up, bedroom walls also scratched, wood flooring in living room and bedroom scratched up. I have tried to contact both the company and the creditor and this does not seem important to them. At first I didn't make payments, but I saw my credit score going down and they kept charging late fees so I started paying the minimum but I really think this situation is unfair and they are holding me hostage to a higher than expected bill, plus damages I shouldn't be responsible for. I don't know what to do and found your website through internet research. Please help me.
Product: Debt collection

On XXXX XXXX XXXX I paid {$320.00} to XXXX, for internet and cable TV. This payment included an early termination fee, the current monthly fee, and was paid in full to close the account entirely. Around XX/XX/XXXX I was notified by SW Credit Systems INC that XXXX had sent me to collections over the matter of {$82.00}. I immediately called XXXX and was told by a customer representative that the charge was erroneous ( especially in consideration that we had not been contacted once about the bill ) ; I then relayed the ticket number for this erroneous charge to SW Credit Systems INC. On XXXX XXXX XXXX I spoke to another representative of XXXX who stated that the mistake was now on my part and that XXXX would not honor its previous intent of retracting the billing. As of today, XXXX XXXX XXXX, I have paid the bill to SW Credit Systems INC since it has impacted my credit. Additionally, I spoke to a XXXX representative who could not verify why this charge had been generated as an early termination fee if we had not seen any additional charges for XXXX XXXX.