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

My name is XXXX XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB on XX/XX/XXXX, that 3 Credit Bureaus closed my complaint to protect my PRIVACY. I called the 3 Credit Bureaus after I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were : XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX, XXXX, XXXX   ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX  CT XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX Balance : {$6200.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. 
on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information.
Product: Credit card or prepaid card

My chase amazon visa card is charging 29 % interest APR. I am struggling to make payments and pay down my principal because my job was terminated on XX/XX/2023. 

I tried to ask for financial hardship and the representatives at Chase just denied it. I am trying to make my minimum payment but I don't have unemployment insurance or other sources of income. I am trying very hard to land another job or generate income through self employment but not having immediate success.
Product: Debt collection

XX/XX/22, {$1100.00}. This debt was settled with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all accounts listed below, as well as any related inquiries, be blocked and deleted from my credit report pursuant to XXXX XXXX XXXX ( a ) and the Fair Credit Reporting Act ( FCRA ) XXXX ( b ), as I am a victim of a recent XXXX XXXX 
Below are the accounts and inquiries I request to be deleted and blocked : Accounts : XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX. XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX  reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.
Product: Credit card

New card was sent in XX/XX/year>XXXX  someone stole my brand new card dont know how they was able to use it. They went to the meijer located on XXXX XXXX and XXXX in XXXX, Michigan. They maxed the card out. After attempting to figure out how the card was activated they sent a replacement card. Citi bank was no longer accepting the payment because they no longer was the creditor of the account. Called the company and was told they couldnt verify my account information with social security numbers, first and last names or address. My personal information was compromised and didnt get a response from them but to make payments for insecure accounts.
Product: Checking or savings account

On XX/XX/XXXX there was a fraudulent ATM withdrawal for {$2800.00} from two ATM machines. I have contacted my local branch to file a claim and even changed my debit card, after which I was given a provisional credit for the full amount. Few days later the claim was reversed and all credits were taken back. Later it was explained to me that the reason the claim was reversed is because the debit card has a chip and it is impossible to duplicate it and now it is our problem. I was told by the bank to go to the police station to file a report so they could access the ATM cameras. I did file the police report and was told that it would take up to three months. 
On XX/XX/XXXX-XX/XX/XXXX someone has deposited a fraudulent check in my checking account and then made an ATM withdrawal for {$2900.00} and a purchase for {$750.00}. Again, I have contacted the bank and filed a claim. The funds were returned and then reversed some time later. I then went to my local branch and spoke to the manager. The manager has contacted a claim department and then explained to me that, apparently, someone has called on my behalf impersonating me and started to complain about the debit card saying that it was damaged and want to request a new one along with the new PIN number. The request was granted and a new debit card along with the PIN number were sent to my home address. The problem is that I have never received anything in the mail. It seems that someone has intercepted my mail and got all the information and the debit card. This way all my money were stolen from all my accounts. The bank has admitted its fault and still does not want to refund my lost money. I was given the provisional credits numerous times and they were all gone after a few days. It was a back and forth game. I have tried to contact my branch manager but nobody is doing anything to help me get my honestly earned money back, and it seems that the bank does not protect the funds I have entrusted it with. 
P.S. 
My savings account was also affected by the fraud. The money were transferred from and to checking and savings account by some unauthorized person. A bank employee has closed the savings account and due to this I no longer have online access to it to see the transaction history.
Product: Checking or savings account

On XX/XX/XXXX at XXXX I went thru the drive thru at the teller window I requested XXXX XXXX  and was given an envelope and a receipt. When I arrived at home I opened the bank envelope and there was only XXXX XXXX  in the envelope a XXXX XXXX bill and XXXX XXXX I immediately contacted the bank and spoke with a XXXX  by the name of XXXX. She put me on hold and counted the tellers money and I was told there was no discrepancy but she would give me a return call later today which never happened
Product: Debt collection

This seems to be the only way to contact this company. The first time they sent me a debt validation notice that was wrong for a {$380.00} debt. Said it was put in " restrictive status '' not sure what that meant. And they said they mailed the debt validation not on the XXXX as their paperwork indicated but on the XXXX which was a Sunday. Which turned out to be a provable lie. I tried to call them I faxed them no response. What is restricted can you still sell the debt is it erased? Filed a second CFPB complaint they responded with were having an internal investigation were closing the account. I have tried to find out what that means. I called them left messages. I want to know if they can resell this debt or if it's gone. They also are supposedly holding an internal investigation I don't know if that is true or not but I'd like to know the outcome of it. Who did what? What was the punishment? Why do I need to file CFPB complaints to hear from this company. I think it's fair to say they have violated the FDCPA enough times that they should confirm the debt is gone forever and pay me for these violations. Obviously I am the one this is about so I want to know what this internal investigation uncovers how thorough was it? I called left messages for the people they said XXXX XXXX and XXXX XXXX who seems to be pretty high up there.
Product: Consumer Loan

I did a loan on my car with TFC. I gave them a check in XXXX to pay my registration and send me the tags. I was to get a credit of {$200.00} off my first payment as well due to me pointing out some hings on the internet about them. This came from the owner XXXX. I did not make any payments since I never got my tags nor coupon book not even the email confirming the credit. Then was getting calls that my car payments were late. I explained to several people over the phone the situation and all they wanted was the money. I finally got my tags in XXXX along with the credit on the XXXX of XXXX. By that time they repossessed my car. This was just fraudulent and I do not believe they intended to do anything but get the car. Once they took the car, I was never informed of where it was to get any personal belongings, never told if sold or not, all communication basically stopped shortly after. I requested several times to go and get my things and also pointed out when am I going to get notice of 10 days prior to the sale and received nothing in return. Also one day the repossession fees are {$400.00} and then the next {$500.00}. How do they go up and I was told that the state only allows {$220.00} as well. In the contract you see my signature on one page and that is it. I do not recall if I signed more pages but I am sending the contract to show. On the check I gave them for the tags, the number came from them. On the registration, there is no late fees showing due yet they say I owed more and that was part of the problem. I was not going to pay more money to them just because they say I owed more when the number came from them.
Product: Credit reporting or other personal consumer reports

As long as Equifax doesn't stop hurting, I will never stop filing a CFPB complaint against it. It's impossible for such a stupid and incompetent system, they reported a name for me on my credit report after I was the victim of an information theft, I reported it and sent the documents to Equifax with my US ID and they asked for a copy of my SSN. I provided all this evidence, they still keep the same things, so I filed 21 disputes on their official page and proved everything I can, I will continue until they prove to me the second identity they gave me.
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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- ( ) 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. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors. According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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- ( ) 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. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. This is unfair and if they are doing this to me XXXX who else they are doing this too. Can you fix
Product: Credit reporting or other personal consumer reports

YOU ARE REPORTING THIS COLLECTION AS AN " OPEN ACCOUNT, '' WHICH IS NOT UNDER FCRA COMPLIANCE, AND THERE IS A 120-DAY LATE PAYMENT. THIS IS INACCURATE REPORTING AND IT NEEDS TO BE REMOVED IMMEDIATLEY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THIS COLLECTION IS DELETED AND HAS BEEN REMOVED. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Late in 2014, I took out a loan with XXXX. After making several payments I learned that this company was not licensed in my state to make loans or charge the usurious interest rates they were charging me. I contacted them to stop taking money out of my account, but they attempted 1 last time, and then I attempted to reach a settlement with them based on the original XXXX I borrowed, minus the XXXX I paid, minus the NSF fee incurred by them attempting to debit my checking account 1 last time after I gave them proper notice to stop. I have attached the e-mail chain from my last correspondence with XXXX cash. 

My e-mail went unanswered and I never thought about these crooks again until I was notified last week that a collection account was placed on at least 2 of my credit reports by a company named XXXX XXXX XXXX. When I contacted them they said they bought the debt from another debt collection company that bought it from XXXX. Because XXXX had no legal recourse to collect on the loan, they left me alone but then sold the debt to at least 2 other companies to attempt to illegally collect on the loan. 

I want XXXX XXXX  to lose all of my contact information, stop selling a debt that can't be collected on, and notify every collection agency they sold it to to leave me alone and remove any negative information from my credit report. The next step is a lawsuit.
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 removed disputed items despite the evidence I I provided, causing ongoing harm to my credit 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 consumer
Product: Bank account or service

I have a Checking Account at Old National Bank. The balance in the Checking as of yesterday was a positive {$1.00}, but after looking today the account balance shows a negative balance of- {$5.00}. Old National bank did not inform me of the Service Fee that they apparently took out on XXXX/XXXX/2015. The account also did not have any overdraft protection which meant that the account would not go into a negative, but now however the bank got me in the negative.
Product: Debt collection

XXXX from XXXX calls me back to back if i ignore the phone calls. Also he calls representing USAA bank from a different company with whom i do not even have a relationship and insists on me " verifying '' my SSN with him.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX USING 15 USC 1681A2 I didn't give written permission to have those accounts furnished on my report. 

Account name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX CLOSED ACCOUNTS I NEVER OPEN OR APPLY FOR. 
XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND THERE IS XXXX INQUIRIES THAT I NEVER EVER RUN MY CREDIT FOR ANYTHING BECAUSE I KNOW MY CREDIT IS BUILDING NOW. 

AND THERE IS XXXX HARD INQUIRIES THAT I NEVER EVER PULL OR RUN MY CREDIT. 

XXXX. 
ALL THIS ACCOUNTS SAY CLOSE I NEVER OPEN ACCOUNT WITH THIS BANK. 
XXXX XXXX. 
XXXX XXXX 
XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX  NOT MY ACCOUNT 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 NONE OF THIS ACCOUNTS I EVER OWN IN MY LIVE. 

HARD INQUIRIES XXXX THAT I NEVER APPLY FOR AT ANYTIME.
Product: Debt collection

Business & Professional Service is reporting a debt from a doctor 's office that was 100 % paid by my insurance company. This office made sure you paid before you were even seen! My last visit with XXXX XXXX XXXX was on XX/XX/XXXX and resulted in an ER visit XXXXXXXX XXXX later! However, per my XXXX from my insurance company, I am not responsible for any payment to this office on this visit! I have disputed this debt previously in XX/XX/XXXX and stated that the claim was paid by my insurance, however, it remains on my credit! I have attached a copy of my XXXX and my prior dispute!
Product: Debt collection

I have never received any debt validation verifying the debt is owed without any interested being applied.
Product: Debt collection

My complaint is about my daughter 's college loan debt through Navient. I am the co-signer. I receive mail, email, and phone calls from them. 
Navient calls me at least XXXX a day seven days a week. If I answer, they ask for my personal information- my birthdate. I have told them at least XXXX times that I will not give this information over the phone to someone that calls me. I have asked them to stop contacting me by phone. My daughter is behind on her payments. Her husband has had some periods of unemployment so she is doing the best she can. I have responded to them by email and told them that my daughter is responsible for the loan and that she intends to pay it off. I have never heard of a co-signer being harassed this way. The loan has not gone into default.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These accounts are not found on any of my other reports which means Equifax is reporting in accuracies XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a personal loan from a company called XXXX XXXX. I had a 24 month loan, which I repaid in full in XX/XX/2022. Since XX/XX/2022, XXXX has failed to update my Equifax credit report even though I have asked them to do so many times. I submitted a dispute with Equifax and they found that I still have a balance of {$1300.00} owing to XXXX which is simply untrue. I would be able to download and attach the loan repayment schedule, but XXXX was acquired by a larger company named XXXX XXXX, and I no longer have access to log in to their portal and pull my loan payoff certificate. So my complaint is against XXXX XXXX, XXXX XXXX, and Equifax.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

Around XXXX  of this year, I checked my credit report for the first time in years. After reviewing my credit, I noticed addresses where I never lived and accounts reporting that I didn't recognize and did not open. After this I learned in XXXXXXXX  my personal information was a part of the Equifax Data Breach and has been used to open credit card accounts and loans. Several credit card accounts were opened ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There was also an auto loan from XXXX XXXX XXXX listed on my report that I did not open. Multiple collection agencies were also on my credit report that I have never done any business with ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have reached out to the XXXX major credit bureaus ( Equifax, XXXX XXXX ) on multiple occasions but have not had any success in removing these fraudulent accounts. The bureaus continue to respond to my dispute of these accounts as verified providing no proof on who opened these accounts. I filed an identity theft report with the FTC which I will attach to this complaint along with the letters that were sent to the bureaus.