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

Nissan Motor Acceptance refuses to remove this fraudulent account from my credit reportI have been a victim of fraud and identity theft and the account needs to be deleted from my reportIve sent numerous letter to have the information removed but they continue to verify that the fraudulent account belongs to meThey can not produce a contract with a wet ink signature to prove there was a mutual agreement between two or more partiesThis account is ruining my reputation as a consumer and needs to be removed
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under the 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Account name RESURGENT/LVNV FUNDING- is claiming that an account was opened XX/XX/year>. The updated amount was XXXX as of XX/XX/year>. This negative item does not meet the FCRA requirements. I do not recognize how and why it is reporting. Delete immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

It says that XXXX XXXX XXXX  account is still open and it is actually closed. XXXX XXXX XXXX sold my debt to account resolution services and I dont recall giving them permission to do so. I would like to see the original contract I signed if they think i did. This account also was paid by my lawyer when we settled for my car accident and it still wasnt taken off my credit report.it also states that it was opened XXXX 2017 but it was actually opened XXXX 2017 my email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} 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 instruction.
Product: Money transfer, virtual currency, or money service

I have contacted chex systems before to get them to remove adverse information on my credit report and I have contacted them in writing and on the phone and to no avail they have refused to remove the information or at least give me the details of the derogatory info so I may correct it. I want my information with Chex Systems either deleted or removed due to lack of supporting info or documentation and zero response from their customer service department. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

TRANSUNION XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX has violated my rights. 


I looked at my XXXX, XXXX & TransUnion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I have been disputing this account for some time now with Midland Funding. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Product: Credit reporting or other personal consumer reports

I sending my dispute letters several times and receiving email from the bureaus saying I'm not the one who send out letters. which is definitely wrong because I'm the one who create and send my letters please take an action regarding my concern delete this accounts asap! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!
Product: Debt collection

I moved out of my apartment at XXXX in XXXX of XXXX and provided a 30-day move-out notice as per the lease agreement. The lease, specifically Paragraph XXXX ( XXXX Notice ), requires that move-out notice must comply with the terms specified in Paragraph XXXX ( XXXX XXXX ). Paragraph XXXX of the lease states that if the number of required days is not specified, at least 30 days ' notice is required. 

Despite complying with the lease terms by providing a 30-day notice, the apartment complex charged me for not providing a 60-day notice and sent the debt to a collections agency. The collections agency, Columbia, has since contacted me multiple times. 

On XX/XX/XXXX, I spoke with a representative from the collections agency ( XXXX ) who was extremely rude and unprofessional. They threatened legal action against me and claimed it was my responsibility to have a lawyer review the lease prior to signing, asserting that I now accept responsibility for the debt by speaking with them, and pressured me and manipulated the conversation in an effort to get me to claim financial responsibility. 

I believe this debt is not valid as I followed the lease agreement 's terms. I have attempted to resolve the issue with the apartment complex, but they are unwilling to cooperate. This situation has negatively impacted my credit, and I am now seeking the removal of this debt and relief from the collection efforts. I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and that I believe the collection agency has violated these rights. This has had a significant impact on my credit, and has caused financial and emotional stress.
Product: Student loan

Navient calls my phone up to 10 times day. Starting XXXX XXXX and up to XXXX XXXX at night. I am already being garnished by XXXX, and have a child in college. I have to pay out of pocket for tuition for his schooling. They are not interested in helping just harassing me everyday 7 days a week.
Product: Credit card

Since I was doing this first time my old complaint did not have much details. They reduced the credit limits XXXX XXXX XXXX XXXX instead of looking at the way I'm doing the pauyments. 

All my three cards are closed by citi during month of XXXX / XXXX without any proper reasons.. 

Thank you card ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and XXXXXXXX XXXX  ( XXXX ) I have been with citi cards since XXXX. During XXXX I had gone through divorce and theer was a financial struggle to pay my attornies. 

I had taken a XXXX percent interest balance transfer for XXXX for 1 year from Thank you card ( XXXX ). Unfortunately this was a disaster. There was a auto payment and in next cycle they tried to take back XXXX from my account which my bank declined because there was no funds. I tried to contact citi requesting them to take only the minimum payment but they declined. Since then I have been paying interest without any failures.. I paid off balance of XXXX during month of XXXX, XXXX. Attaching all statements. 

XXXX XXXX. Card ( XXXX ) - There was an auto payment setup and I did not hear any issues from my bank. The issue was on citi side but I still used to do the payments online. If you see the statements there are double payments. But Still I have been doing the payments. 

XXXXXXXX XXXX XXXX XXXXXXXX ) - I have been using this card a lot before this I was with XXXX XXXX. Payments were done on time. Citi had reduced my credit limits and. Since I need to use the card in XXXX I had to do multiple payments. 

My request is why my all cards been closed without any proper justifications?. This happend once I paid off XXXX debt of Thank you card ( XXXX ). 

I'm attaching all my statements. Only last 6 months I have provided. If you need one year I can provide that too. 

Thanks XXXX
Product: Student loan

I have a private student loan through XXXX XXXX XXXX and they use XXXX XXXX XXXX, XXXX. They have no other repayment options besides just making the monthly payment. They only have XXXX small forbearance period and it is just not enough. I am not going to be able to pay the full amount my lending institution is asking for. Once my deferment for school ends in XX/XX/XXXX, they will be asking me to pay almost {$600.00} monthly. I am only working for a non-profit that does not pay much at all. I attended XXXX XXXX College in XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 21 federal student loans that are now consolidated. All 21 loans are listed twice on my credit reports with all 3 agencies. First time with the original servicer ( XXXX, XXXX, or XXXX  XXXX  ), second time with US DOE, and now as the consolidated loan with XXXX. This appears to lenders that I have more than 42 loans and that 42 were in default. My credit scores range from 607-634 due to this inaccurate information. The loans have always been federal student loans and should not be listed multiple times on my credit reports regardless of whether I am in forbearance, default, paid in full, or paying as per contract status. Once a loan transfers from one servicer to the next, the previous servicer must contact the credit bureaus to remove erroneous data. I have attempted to dispute with all 3 credit reporting bureaus and with the student loan ombudsmen. nothing is being corrected. This has to stop immediately!
Product: Vehicle loan or lease

Paid off loan in XXXX -- Have not received the Title. Talked to JP Morgan / Chase 6 times. Long story short lots of promises still no title.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I did not make or authorize those inquiries. I am requesting that those they be removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report.I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 sectlon 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 writton XXXX15 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Mortgage

The company sent an escrow check in just my name, because my husband is deceased ( XXXX yrs ). I cashed check with no problems. My mortgage was recently paid off. Now BB & t sent the refund after paid off check, in both my name and my deceased husband. No consistency with my account. I sent XXXX XXXX the now required statement my husband is deceased, and send refund check in just my name. Remember months earlier they issued escrow check in just my name. There is no consistency.
Product: Credit card or prepaid card

On XX/XX/2022 I received a text alert that my card was used for a purchase at XXXX for {$100.00}. I immediately called ( on XX/XX/2022 ) and reported the charge as fraud. I spent well over an hour, confirming that I still had the card and I did not make any purchases. Prior to the fraud, card had a XXXX balance. The representative told me that he filed a fraud report ( have screen shots of chat ) and that I wouldn't be responsible for the bill pending investigation and that the card had been cancelled and a new card would be recieved within ten days. On XX/XX/2022, I received another text stating my bill was due. I called again ( on XX/XX/2022 ), after finally getting to a XXXX in the fraud department which took another hour, I was told that the representative I spoke to in my first call didn't actually file a fraud claim and instead listed my call as a lost card. I informed the XXXX that I never recieved a new card and the sent a new one via XXXX. I was unable to login to my account between XX/XX/2022 and XX/XX/2022 due to not having the new card. On XX/XX/2022, I recieved another text message that my account was now deliquent and would be reported to credit agencies. I once again called and spent almost two hours on th phone and was transferred to 4 different representatives. I was told that there was nothing they could do because they have 30-60 days to determine the outcome of my fraud claim which they said began on XX/XX/2022. Not the XX/XX/2022 date of when it was initially reported. This gave the company an additional 30 + days with no recourse for me. The credit card company has now added the fraudulant charge TWICE to my account along with late fees and interest. The bill is now {$230.00}. When I spoke to the XXXX on XX/XX/2022 I was told that they had to add the fraud charge to my account twice and I would know within 60 days if they agreed this was a fraudulant charge. I informed them that I filed the claim on XX/XX/2022 and have proof that I said it was fraud. They said there is nothing they can do about that and that if they decide in my favor I won't be responsible for the charge. No one could explain why the fraud charge was added to my account twice - once on XX/XX/XXXX and again on XX/XX/XXXX. I have no history of XXXX charges and I can no longer see the initial fraudulant charge because when they send you a new card- you are required to create a new account and do not have the history to your previous account. I have spent 5 hours between three phone calls while this company continues to add charges, fees and interest and provides no insight or assistance into what is happening on my account in my name. They have reported this balance to the credit agencies. I have never seen a credit card company act in this manner. ALL OF MY CARDS ARE PAID IN FULL EVERY MONTH and I value my credit. This card, opened at a XXXX 's XXXX  many years ago was for a promotional membership and has a credit limit of {$300.00}. This is now appearing as a " high balance '' ratio on my credit score since they've added the fraud chargetwice along with late fees and interest.
Product: Credit reporting

Submitted disputes to all XXXX credit bureaus ( Experian, XXXX and XXXX ) acknowledging there is a derogatory account from 2007 that does not belong to me and to investigate with the credit card company, XXXX XXXX XXXX, that they have no evidence claiming my ownership in their records. All XXXX disputes have returned unchanged. 

Also, Filed a XXXX complaint against XXXX XXXX XXXX, submitting the account is not mine and XXXX XXXX XXXX needs to remove account from reports because I do not acknowledge this account as mine
Product: Debt collection

I am writing to formally file a complaint against Synchrony Bank regarding a fraudulent account reported on my credit report. This account was allegedly opened on XX/XX/year>, when I was a minor under the age of XXXX and legally unable to enter into a binding credit agreement under 15 U.S. Code 1633 and State Minor Contract Laws. Therefore, I am asserting that this account is fraudulent and was not authorized by me.

According to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c-2, any account resulting from identity theft or fraud must be blocked from my credit report upon proper notice. Additionally, under 15 U.S. Code 1681i ( Procedure in Case of Disputed Accuracy ), I am requesting an immediate investigation into this matter and removal of this account from all credit reporting agencies.

Enclosed are the following documents to support my claim : A copy of my government-issued ID I request that the CFPB assist in ensuring that Synchrony Bank complies with federal regulations and completes an investigation within the 30-day period allowed by the FCRA. If no evidence of authorization by me can be produced, I expect this account to be permanently deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX  XXXX {$410.00} XXXX  XXXX XXXX {$350.00} XXXX  XXXX {$240.00} XXXX XXXX  XXXX {$150.00}