23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  have reached the statue of limitations on this alleged debt. It has been more than 7 years since this account has been opened. The loan was allegedly originated on  XXXX / XXXX / 2006 . 7 years has transpired since, therefore according to FCRA, this needs to be removed from my file from All credit reporting agencies ;  XXXX ,  XXXX , and Equifax. This i s Zombie Debt ; and is illegal to report according the the FCRA. I want this item deleted from my file immediately.
Product: Mortgage

My financial hardship began on XX/XX/XXXX when I first fell past due with my payments on my mortgage thru Caliber home loans. Prior to falling past due with my payments I had contact Caliber home Loans and advised them of my situation, they had advised me that they could not help because I was current and that I needed to fall past due to get help, I let them know I was no longer able to afford the mortgage due to only XXXX income so I would need to default XXXX way. I had applied for help 7 times only to be denied over and over again. I finally received help on XXXX XXXX where I was approved for a trial plan, the plan trial was set for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with payments of {$530.00} which I made a 3 payment on time and was looking forward tot he final documents to get this nightmare behind me. I waited for 5 months calling them almost daily requesting the final documents but I never received them, I then later called Caliber and they advised me the loan was denied on XXXX/XXXX/XXXX for failing to sign the final documents. 
I argued with Caliber to resend them but they refused and have scheduled a foreclosure date for XXXX/XXXX/XXXX. Caliber had advised me that the only option was to reapply, I received the documents on XXXX/XXXX/XXXX to reapply which I filled out and sent it back on XXXX/XXXX/XXXX, I have been calling daily but they say they have not received it. My divorce was finalized on XXXX and I gained full custody of my son it 's hard already not having his mother in the home but to lose our home too it 's not fair for him. Please help me in saving my piece of the American dream, my home.
Product: Credit reporting or other personal consumer reports

i was a victim of identity theft and these are the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  SEE ATTACHED There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am in fact, requesting this block on behalf of myself.
Product: Debt collection

XXXX-XXXX is horrible. In process if purchasing home. I reached out to them XX/XX/2020 to settle debt. They then placed a dispute on account. Ive been calling to have dispute remove and pay debt. Its a different amount every time. I asked once paid to delete from credit report. They promised it would and it still has not happened. Its paid and still negatively effecting my credit to close on my home. Want it deleted!!
Product: Credit reporting or other personal consumer reports

am a victim of idenity theft, my information was exposed due to a data breach from XXXX, please remove these fraudulent transactions and credit card accounts from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. please remove the following inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, please remove inquires and all fraudulent accounts from my report. PLEASE REMOVE THE FOLLIWNG ADDRESSESXXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not take the necessary steps to protect my PI and, when my information was breached, took longer than an acceptable amount of time to disclose it. In addition, they are providing credit monitoring services for only ONE year, while automatically enrolling people who sign up in their paid monitoring service after the free term is up. This seems as if they are trying to take advantage of people who they put in a terrible spot already.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my consumer report I notice a fraudulent account being reported the account is listed below.I am a victim of identity fraud. 
XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/2023 fraudulent charges where made to my chime checking account in the amount of {$8500.00} chime has only refunded me approximately {$2000.00} saying no error occured on the other charges even though all these charges where made at the same date and time and I immediately reported it to chime support. I filed a police report with XXXX XXXX police department I have not received a copy yet so chime also has not received a copy yet they are denying claim. Also filed a claim with the FBI cyber crime unit.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found the following fraudulent accounts on my credit profiles : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I placed a credit freeze on XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
I filed an identity theft report with the FTC and sent it to the bureaus along with an explanation. 

The bureaus still have these fraudulent accounts on my credit profiles.
Product: Money transfer, virtual currency, or money service

Sent {$250.00} to a XXXX user for an agreement to exchange for concert tickets on XX/XX/XXXX. User ensured tickets were transferred, so I initiated the XXXX transfer. Got a notification from XXXX that the funds were accepted. User said tickets werent coming through and that he would call XXXX. User did not send tickets and would not send money back although requested by me several times. User did not follow through on his end of said agreement and is essentially committing fraud and a scam. Payment was provided, but the goods/service were not provided OR consumed. 

Called Wells Fargo to initiate a claim and they told me the charge was still pending to the other users account and that they might be able to let me file a claim tomorrow ( XX/XX/XXXX ) after XXXX, but a claim has not been able to be filed yet.
Product: Debt collection

The collection agency contacted my mother whom does not live with me or live in the same city as me about the debt, I never received a phone call from the agency prior to this, my mother is the one who called me about this. 

I received my first phone call and spoke with the man who was handling the debt case. He was very brass, not polite nor professional and aggressive while speaking with him on the phone. After this encounter, he has repeatedly called my mother and myself and the phone numbers would be from XXXX NY and then it would come from a number that is local and because my phone number is from a different state than where I live, the number would come from the same area code as my number so they are attempting every tactic to get intouch with me even though we had already spoke. 

On XX/XX/XXXX he called my mother and gave her my personal information and information about the debt. My mother contacted me and told me he called her. I immediately called him and told him it was against the law to give my personal information and the information regarding the debt to someone other than myself. The individual became very aggressive towards me and then started asking me how I pay my other bills and says " I am looking at all your information on your credit report and nothing is late, so how do you pay your bills? '' I explained that I have been very sick since XXXX and on a leave of absence for work and paying this debt was on the back burner just like those affected by Covid-19. This individual started accusing me of fraud and I clearly stated that he is not to contact my mother again and I hung up on him.
Product: Student loan

The loans has been sold to another company since XXXX, the original company ( Georgia Student Finance ) still reporting on my credit report with the incorrect amount.
Product: Debt collection

I am requsting method of validation? I am unaware of this debt with collection ageney. I didn't have the opportunity to dispute this information. If in fact you believe you gave me proper notification then please send me the certified reciept with my name and signature on there stating that I received notification.
Product: Credit card

Dear XXXX XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/year> email XXXX address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX once again I request the information that you send me with the 21 days advance notice before posting the delay to my credit bureau and you still have not provided me with any information. If such information exists please send it to me by this means. If not, please remove the information from all 3 credit bureaus.
Product: Debt collection

I 've had several issues with Navient. I took out my loan with XXXX XXXX in 2011 as a XXXX study loan. The problems started with XXXX XXXX and continue with Navient who took over my loan at some point and I was never informed until way after the fact. 

Since I opened the account I 've got little to no information about my loan. I 'm getting infrequent information and mixed messages about the actual amount I owe. I keep getting letters telling me to sign into an account I never set up to see something from them. I do n't have an online account so I have no way of accessing the information. I get almost no mail from them in fact for over 2 years I received absolutely no mail from them. This month I got my first letter from them that actually has an account number on it since they switched my account to Navient. Prior to which I could n't pay my account via my banks bill pay. In the past 2 years I 've literally only gotten XXXX bills sent to me with payment amounts. 

I 've asked to receive my corespondence by mail. Still I get e-mails telling me to check an account that I did n't make and ca n't open and no useful corespondence. 

I also have informed them several times of my new married name and they have made no attempts to correct it on their records. the few letters I do receive are incorrectly addressed. 

Furthermore from time to time I will receive persistent harassing phone calls from them. From early in the morning ( some as early as XXXX I believe ) to late at night they will often call me 6 or more times in a day everyday for months straight. I wo n't be able to identify who is calling so I never pick up but the voicemails are all recorded messages Identifying themselves as Navient employees. There are XXXX-XXXX different versions but it is always the exact same messages name plus company and phone number. The messages were exactly the same when it was XXXX XXXX as well including the names of the employees but with the company being XXXX XXXX not Navient. 

Finally the few times I have gotten answers as to how much I owe and what my payment should be the information has been contradictory. I 've gotten told different amounts that I owe for the same month and have no clue what my current repayment plan looks like or how much I should be paying. I ca n't make informed decisions without accurate information. The few payment receipts I 've gotten do n't show my total loan so I have no clue if things are being applied correctly to my account.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removeddisputed items despite the evidence I provided, causing ongoing harm to my credi standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a XXXX consumer.
Product: Debt collection

On XX/XX/2022, I contacted XXXX XXXX XXXX to obtained information by mail and phone. I called from XXXX. The rep hung up. I sent mail for other a year no response. I'm trying to obtain information for XXXX  Personal Loans. However, no response from the company. I would like the initial letter from your company, including the loan documents with my signature on them to examine and inspect the account in question. After, receipt of the document, if the loan is determined to be mines. I would like a settlement between 65 % -75 % of the balance. I would like a letter from discover that they agree to not sell the account if such action for settlement is reach. 

Also, I would like the status on account and the age on the account. If, the account is time barring. 

This company doesn't have a business license in this territory. If so please provided your business license XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reached out to Transunion to let them know that the deleted items are still on my credit report causing me damage to refinance my home. As I tried to tell them about the situation they was very rude and hung up in my face as if the call dropped.
Product: Credit reporting or other personal consumer reports

There is a bankruptcy reporting on TransUnion, XXXX, and XXXX. I have contacted them to ask the to remove the bankruptcy from my report. Several times they have stated that they verified the bankruptcy but did not provide any information as to how they verified and who they verified it with. I received a letter from the bankruptcy court stating that they do not furnish personal information or bankruptcy details to any third parties. The court also noted that they did not validate any information to be reported on any credit reports. Furthermore my bankruptcy was cancelled and all debts have been paid in full therefore the public record is inaccurate, the file has been withdrawn and closed. This reporting has caused a tremendous hinderance in my ability to obtain credit. I have sent mutiple letters to each bureau via certified mail.
Product: Credit card or prepaid card

Was denied a credit card application after providing my social security number yet I received no benefit.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX  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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$260.00} that appears related to the aforementioned personal loan account opened at 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Back on XX/XX/XXXX I sent dispute letters to the three credit bureaus. I disputed several accounts because I didn't believe the information that was being reported was accurate. 
I disputed a XXXX XXXX XXXX XXXX XXXX balance. 
I disputed a 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 

I disagreed with the number of late payments which were being reported for these cards and I asked the bureaus to investigate and correct the reporting of these accounts. No response ever arrived and I waited over two months. On XX/XX/XXXX I sent out another round of letters disputing the same accounts with all three credit bureaus. Today is XX/XX/XXXX and again no response has arrived. I don't understand why I am not receiving any notices or why the credit bureaus feel like they don't have to answer me. My credit is very important to me and I would appreciate if they would at the very least respond to me with something. It took me plenty of time to look up my reports and study them to then take more time to write and mail out these letters to the bureaus. 

I would like the bureaus to do their jobs and send me a response. Is that too much to ask for?
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. TransUnion have failed to conduct reasonable investigations into my disputes, violating their obligations under federal law. This practice is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, which mandates a reasonable investigation of consumer disputes. 
Additionally, TransUnion actions may also violate the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as evidenced by the Consumer Financial Protection Bureau 's ( CFPB ) recent administrative proceeding ( File No. XXXX XXXX ) against them for similar violations. I respectfully request that the CFPB take immediate action to ensure that all parties involved TransUnion with federal law. They must provide clear proof of a reasonable investigation into my disputes and rectify the issues promptly.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed, which appears on my credit report transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

CHEXSYSTEMS is reporting fraudulent inaccurate information on my consumer report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me. CHEXSYSTEMS has failed to provide me with the information of a signed purchase agreement with my signature on it from the company XXXX XXXX XXXX XXXX XXXX ) instead CHEXSYSTEM is sending me notices stating that the company is saying the information is correct with me stating that if it was an account opened in my name which is showing on the consumer report which only shows the account was opened fraudulently which is an result of identity theft. I am attaching the notice I received from CHEXSYSTEMS. 

XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I opened an account with Bank of America Last year and every since I have been making payments on this account it has been excessive. Every month it is a different issue. Last month is was them claiming they didn't receive a payment. The month before that my payment double with interest. This month no one could explain my interest rates and I'm paying a total of 73 % in one payment. Bank of America is the only card with this excessive interest and I would like to know if it is even legal to charge me that much interest in one payment cycle. 

My Contact XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Total due balance {$10000.00} Payment {$320.00} Interest {$220.00}
Product: Payday loan, title loan, or personal loan

The bank changed the configuration of the account, resulting that I was unable to process online payments to de overdraft account. The bank without any advice closed my account during crisis times on pandemic of COVID-19. They are a bad credit union.
Product: Credit reporting or other personal consumer reports

XXXX XXXX VIA XX/XX/XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Student loan

I have received on several occasions invoices from a collection agency known as EOS CCA. They claim that they are collecting a debt on behalf of US Asset Management Inc for the original creditor known as XXXX XXXX XXXX/XXXX XXXX. T this time I am requesting a full qualified written request of the debt origination, its multiple transfers, and any connection to the U.S. Department of Education if any. Please see an attached qualified written request demanding the authority to collect on the described debts.