23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I recieved my student in XXXX, the sum of XXXX. I paid my student loan off in XX/XX/XXXX, my final payment was XXXX. 
In XX/XX/XXXX, I started getting calls and letters that I need to pay almost XXXX, they were claiming that there was never a payment made in the XXXX yrs it took to pay it off. I have spoke to XXXX, XXXX XXXX, Navient multiple times, I have sent my XXXX XXXX XXXX that I paid the loan off. I have maintained that my record show it was paid, but I did tell then that I if they did some research and proved I owed XXXX, the. I would pay it, but all my record show i paid the loan off in XX/XX/XXXX. And they claim that that XXXX payment is the only payment they know of. So, over the years while u have been fighting with them since XXXX, I keep demanding a forbearance and tell them to do the research and go over the proof I have sent them. They never do, and I just received another letter staying i still owe XXXX. This has been going on since XXXX, I have provided my burden of proof that it was paid, and they still refuse to go through everything, still stating i owe XXXX. Every year I demand a year long forbearance, I inform them that I refuse to pay them another dime and to do their jobs and get the XXXX together. I am constantly harassed by them and it becomes very stressful and it has ruined my credit. I refuse to pay a loan that I already paid off. They say they will look into it, but they never do. Also for years they would take my federal tax refund, but yet still claim they have not received payments, those refunds total a couple XXXX dollars.
Product: Credit reporting or other personal consumer reports

15 USC 1681c Section 605, negative information that is inaccurate or fraudulent should not be reported after a certain period, and I am entitled to request the removal of such information if it is the result of fraud. These following accounts do not belong to me, and I request their immediate removal from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Central Portfolio Cont. has made a fraudulent claim on behalf of XXXX XXXX XXXX I to the Credit Bureau stating that I owe a debt of {$810.00}. They are stating per my credit report that the debt/collection was open in XX/XX/XXXX, however after speaking with them via phone, they stated that this is a debt from XXXX and was XXXX on XXXX. They are refusing to give paperwork stating that this is a debt from XXXX and XXXX in XXXX. It also states that the debt was discharged on my credit report however it still states that it is a new debt due to Central Portfolio Cont. on behalf of XXXX XXXX XXXX I falsifying the date on my credit report. In the state of Virginia the applicable statue of limitations is XXXX years. After the statue of limitations has expired, a creditor or debt collector can no longer file a collection of that debt. They are also in violation of the Fair Debt Collection Practices Act ( FDCPA ) due to this being a time-barred debt and falsifying the date of the debt as stated on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 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 personal credit card account opened at 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 with a balance of {$0.00} 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 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: Mortgage

Made partial payment of {$1100.00} on XX/XX/19 and a second payment of {$1100.00} on XX/XX/19 to cover my payment amount of XXXX. The company states they no longer take partial payments but would correct my XX/XX/XXXX payment accordingly. I have called over 20 times and have been told repeatedly the issue is being handled. It has been 29 days and its still not resolved. The company is my loan care/ loan care llc out of  XXXX XXXX va.
Product: Debt collection

I C SYSTEMS IS IN VIOLATION OF THE ( FCRA ) AND ( HIPPA ) THEY HAV AN ACCOUNT ON MY CREDIT REPORT.

ACCOUNT # XXXX ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

These 3 inquiries are needed to be removed asap XXXXXXXX XXXX XXXX XXXX Account number N/A, MisleadingXXXX, XXXX XXXX XXXX XXXX Account number N/A Misleading., XXXX XX/XX/XXXX Account number N/A. Misleading Apart from those 3 inquiries mentioned on the previous page these are the other following inquiries with their dates that I don't consider are mine and I want them to be gone asap from all 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 Also I would like to inform that in all the credit bureaus my employer isn't being spelled accurately in all my credit reports. I'm self employed and my business name is XXXX XXXX XXXX kindly fix the spelling. Please make sure that on the business credit bureaus side of my XXXX XXXX XXXX shall have XXXX  : XXXX and XXXX : XXXX as their respective codes don't assign anything based on your assumption or anything other then these two that I have mentioned above as my these are right codes for my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am taken aback of the situation. I've submitted this complaint 4 times & CFPB & EQUIFAX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm fed up with it. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & EQUIFAX with an affidavit & FTC fraudulent report to support my position. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer NOT to engage in a legal proceeding, such as filing a lawsuit. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX
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 XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  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  bal. {$340.00} XXXX XXXX XXXX XXXX. {$35000.00} XXXX XXXX bal. {$200.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX  XXXX  bal. {$880.00} XXXX XXXX  XXXX XXXX {$0.00}
Product: Checking or savings account

On XX/XX/XXXX I was trying to make a withdrawal from both my checki my accounts ... I thought it was the machine but when both accounts were declined I called Chase Morgan bank right away. They informed me that they have decided to end the relationship with me aka closing the account. I received no letters let alone any reason as to why they decided to move forward on closing my account. I informed them that the next day I was to receive a direct deposit of about XXXX bucks from my work which that never went through however my work payroll informed me that it already went through and is unable to write me another check and that I need to contact my bank So now my bank refuses to answer me or give me.my money! It is my money and my account I have ever right to get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

2 JPMCB CARD accounts opened up several years ago keep reporting negatively on my report. i do not have this card nor have i ever had this card. it is not fair they keep reporting negative items. therea 60 items for both of them. this needs to be fixed i have tried many times to correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for your immediate assistance to remove the items that result from the alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}.
Product: Credit reporting

I have XXXX fraudulent accounts that were opened in my name with XXXX XXXX XXXX XXXX XXXX. I 've notified XXXX XXXX XXXX XXXX XXXX of this as well as the Transunion. I 'm not sure as to how someone obtained my personal information. I even sent them a copy of my Identity Theft Report Affidavit and they have failed to remove this account. I am not responsible for it and it is bring down my credit score. This has been disputed since XXXX 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt is unknown. I personally reached out to XXXX XXXX XXXX and they told me my debt was with XXXX XXXX XXXX. I called XXXX  XXXX XXXX and they never answered my calls so I left a voicemail. I contacted my school XXXX  XXXX XXXX regarding the debt I owed and they told me my debt was with XXXX, XXXX XXXX XXXX XXXX  XXXX. I have already settled my debt with them. I have no idea who XXXX  XXXX XXXX is and I want this incorrect information off my credit report. I havent gotten not one bill from them stating I owe any payments and I havent taken a loan out with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX, Transunion, & XXXX about the unauthorized inquires on my credit report & they have not been removed. Since, they do not have my authorization, written nor verbal I ask that you DELETE these UNAUTHORIZED inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX, XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit card or prepaid card

Tonight I looked a my credit card balance that I knew was to high. It is my XXXX  with Capital One ending in XXXX. On XX/XX/2018 I purchased an an alarm system with XXXX, however, it was not a good fit so I canceled the account. I had already paid my Capital One card and had a XXXX balance, so when XXXX refunded me it showed on my card as a XXXX  credit. I contacted the card company and they issued me a refund check. They show on my XX/XX/XXXX statement billing cycle shows as XX/XX/XXXX - XX/XX/XXXX that I was credited back from XXXX  on XX/XX/XXXX and then they turn around and charge me the same amount that reads credit balance refund of XX/XX/XXXX, I called the company and got a representative that attempted to explain something that is unexplainable. I told the associated I made the purchase in XX/XX/XXXX I received my refund check because at the time I had a XXXX  balance with Capital One, how is it possible that you all then placed back on the account as a charge. She could not make nonsense make sense so I asked to speak with a supervisor. The rep that got on the line was XXXX. He attempted to do the same thing, I told XXXX if he looked at my history he would see that there was a charge in XX/XX/XXXX, I had a XXXX balance and they sent me a refund check on XX/XX/XXXX but on XX/XX/XXXX I show they put it back on my card as a charge although I had paid the card off and that is why a credit balance was sitting on my account in the first place. XXXX kept attempt to explain it away as well as though it was right but it is not. I asked to speak with his superior he stated there was no one over him. I told him everyone has a superior unless they are the owner of the company and he stated there was no one over him. I did inform him I would be reporting them to the Federal Trade Commision and the XXXX. He refused to give me the corporate number stating it was the same customer service number I had phoned, he refused to give me the address that I could send a letter of complaint.
Product: Credit reporting or other personal consumer reports

CFPB COMPLAINT REGARDING SYSTEMATIC INVESTIGATION FAILURES RE : Failure to Properly Investigate TD Auto Finance Account Credit Bureaus : XXXX, Equifax, and XXXX RELEVANT CFPB ENFORCEMENT CONTEXT : The Consumer Financial Protection Bureau has recently taken enforcement action against XXXX for conducting " sham investigations '' of consumer disputes. The practices identified by CFPB in their action mirror the exact failures demonstrated in my case : XXXX. CFPB-Identified Industry Problems : Conducting inadequate " sham investigations '' Failing to address consumer disputes properly Reinserting disputed information without explanation Providing ineffective investigation results XXXX. Identical Violations in My Case : Generic " investigation complete '' responses No investigation of XXXXXXXX XXXX XXXX auto-pay setup failure Failure to address documented evidence of bank error Reinsertion of disputed information despite fee waiver evidence DOCUMENTED INVESTIGATION FAILURES : XXXX. Failure to Address Key Evidence : Ignored XXXX XXXX XXXX  fee waiver on XX/XX/year> indicating bank error Disregarded documented auto-pay setup issues Failed to investigate timing of delinquencies immediately after account opening Ignored evidence of bank 's XXXX in payment processing XXXX. Inadequate Investigation Response : No details of investigation methods No documentation of communication with XXXX XXXX XXXX No explanation of how bank errors were verified No response to specific dispute points about auto-pay setup XXXX. Pattern of Systematic Failures : Generic responses lacking specific findings No evidence of actual investigation into bank 's fee waiver Failure to address documented creditor errors in payment setup No verification of reported delinquency dates against bank records LEGAL REQUIREMENTS VIOLATED : Under FCRA ( XXXX U.S.C. XXXX ), credit bureaus must : XXXX. Conduct proper investigations of disputes XXXX Review and consider all relevant information XXXX. Provide detailed investigation results XXXX. Document investigation methods XXXX. Verify accuracy of reported information SPECIFIC VIOLATIONS : XXXX. Investigation Requirements : Failed to investigate XXXX XXXX XXXX fee waiver admission No evidence of review of payment setup documentation No verification of auto-pay enrollment attempts No explanation of investigation methods XXXX. Documentation Requirements : Failed to document investigation steps No record of XXXX XXXX XXXX communications No evidence of fee waiver review No explanation of conclusions XXXX. Notification Requirements : Generic responses lacking specific findings No explanation of verification methods Failed to address specific dispute points about bank error No documentation provided
Product: Credit reporting or other personal consumer reports

I have repeatedly asked XXXX, XXXX, and Experian to delete all these derogatory accounts that are reflecting on my credit report. I never gave permission for them to furnish any of my personal information to my credit file regarding other creditors. This is repeated violations that I have been dealing with for years now and has had a major impact to my financial well being and has made it difficult to obtain the necessary credit to purchase a home for my family and to secure my kids XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is my final attempt to get this resolved before I get my attorney involved and start litigation in this regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to log in to my.equifax.com to view credit report or dispute erroneous report.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX  XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX {$12.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Payday loan, title loan, personal loan, or advance loan

Discover bank continues sending solicitation and marketing material months after they made an unauthorized inquiry on my credit report and I requested through the XXXX XXXX XXXX  The Customer Financial Protection Bureau and directly to Discover that they no longer solicit me for any financial services
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with Chase Bank. My credit limit is {$7500.00}. As a courtesy, they paid and item that caused my account balance to be {$7500.00}. They have submitted to all three credit reporting bureaus that I am " over my credit limit '' which has caused damage to my credit score with all three credit bureaus. Yet what they did was a " courtesy, '' rather than decline a transaction, even though my credit limit was only {$7500.00}, they decided on their own to give me a little extra credit. I was not consulted on their decision. But this damages my credit score. 

I just called a credit counselor who has been assisting me with keeping my credit clean and he told me that Chase 's " negative report '' has caused my credit score to drop 30 points or more. 

I have a loan pending with a bank, and now my bank is giving me grief. 

The fact is, with my Chase card, I pay my statement in full each month by the due date. Yet Chase has made this negative report on me. My entire credit report shows that I pay all of my bills on time each month, and this is the only negative item on my credit report. My credit score with TransUnion dropped from about XXXX to about XXXX over the last month. 

I contacted Chase Bank and they admitted that this is a fluke in their system, where they will only do credit reporting one time a month and the day they reported it, my balance was {$7500.00}, due to their courtesy of paying an item that caused my balance to exceed the credit limit. I asked them to remove the negative item and they declined. 

The result is that my credit score is being damaged, solely by their actions, and not by anything I have done.
Product: Credit reporting or other personal consumer reports

Tried several times to get the following items removed from my report : The inquires and and 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 was opened without my consent and fraudulent. These accounts are holding me back from establishing good credit and ultimately buying a home for my family. I need these accounts looked into and investigated because I did not open those accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got XXXX on XX/XX/2022. Around that same time, I had a house fire and had to evacuate and move into temporary housing. I was overwhelmed by both recovering from XXXX and managing the home repairs and restoration. I forgot to set up autopay for my discover credit card. I reached out to Discover and they reimbursed the late fee charge. The customer service agent understood that this incident is classified under the CARES Act. 
However, Discover card refuses to remove this late payment from my report. I have reached out to XXXX, XXXX and XXXX regarding removing the late payment. However, they all mention that the lender, Discover would have to " unreport '' it. 

I have already paid of my entire balance with Discover but they are still refusing to acknowled the CARES Act. 

I am hoping to have the late payment removed in order to improve my credit so I can buy another home for my family. My credit score has been negatively impacted by this late payment and I am not sure I will qualify for a home loan I can afford.