23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Last week ( XX/XX/XXXX ) I had my vehicle repossessed by Bridgecrest with whom we had the car loan. I and my then-wife went into XXXX XXXX bankruptcy in XX/XX/XXXX. In XX/XX/XXXX we got divorced and I was dismissed from the bankruptcy case. My lawyer said that I could resubmit a new bankruptcy later under just my name which would include the house and the vehicle in question. In late XXXX, I started the bankruptcy process. My lawyer asked me to get updated debt information which included the car loan. I tried to log into my online account but found there was no longer any account info available. I called Bridgecrest in XX/XX/XXXX and asked for the payoff amount and was told that the account was " marked charged off due to bankruptcy. '' I relayed the information to my lawyer. I again filed for XXXX XXXXXXXX but the court rejected the payment plan and wanted a higher monthly payment than I could afford. My lawyer then converted the case to XXXX XXXX but the court rejected that as well. 

I called Bridgecrest, talking multiple times to get as much info as I could. I learned that on XXXX they marked the account as " charged off. '' This was after I had filed and was already in the original XXXX XXXX which protects assets like the house and car. When I called in XX/XX/XXXX the car was still " charged off. '' I was told they received notice on XX/XX/XXXX, that a bankruptcy case was dismissed and that is why they repossessed the vehicle. 

I had no access to the site, no bills, no notices, and no communications at all from Bridgecrest that they were looking to collect on the car. I was locked out from the online portal and the only info I ever received was when I called in and was only told it was " charged off. '' If I had only known any information that it was charged off, in collections, or being repo 'd I would have tried to work with them. They want the full principal and reinstatement fee which total {$16000.00}... I am self-employed, and a caretaker for a XXXX person. I was completely blindsided by this and not sure what to do.
Product: Credit reporting

I am a victim of identity theft. I contacted the Federal Trade Commission andIi learned that the best way to recover is to file an identity theft affidavit and a police report. I did this well ovr 60 days ago. Transunion slowed around for over 60 days in violation of the FCRA laws. They did not remove the bankruptcies and they stated that they verified them. When in fact, I have documentation from the bankruptcy court stating that they did not verify this information. I sent the letters to Transunion and they lied like they never received the documents. When after a long time I finally got a supervisor on the phone, they admitted they had the documents. I filed a complaint with the consumer proctection bureau after a 70 day wait and they asked for 60 MORE days. Please help as they are clearly flagrantly violating the FCRA laws. Please help me to get this matter resolved. 
I
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX used Credit Technologies to Run a Tri-merge Report as required doing the Mortgage Underwriting Process. On XX/XX/2020 I called Credit Technologies Reporting department, I spoke with this XXXX XXXX, I gave her my name, Social Security number whereby she could retrieve the entire Tri-merge file and either Upload and email docs, but rather XXXX XXXX hung up as to say she wasnt Releasing my Tri-merge file. So Im exercising my Rights as a XXXX Consumer by calling on you the CFPB, Consumer Financial Protection Bureau for assistance with this foolishness!
Product: Student loan

I am on an Income-Driven Repayment Program and enrolled in the Public-Service Loan Forgiveness Program. My recertification forms were received by FedLoan on XXXX XXXX XXXX. It is now XXXX XXXX. I have had mulitiple phone calls with FedLoan about the status of this request. I have been told, since the beginning of XXXX, that I was waiting for a statement that would charge me {$5.00} for each loan and would let my loan move into the next phase of review and a new payment would be determined. Most recently, I was told this request to send me the {$5.00} statement was made on XXXX XXXX. Starting in XXXX my IBR payments expired and I made payments on some of my loans that was more than I could afford. Now my loans are in forbearance for XXXX and XXXX. I have received from FedLoan notification of my forbearance being approved and an interest notice on XXXX, a bill for XXXX on XXXX XXXX. Still no {$5.00} statement to get my IBR payment finalized. This is costing me eligible months of payments for the PSLF program. Now this morning, XXXX XXXX, I have received an email that my application for IDR has expired. I need help. My interest capitalized on loans I ca n't afford and now months are being tacked onto my PSLF program when I should be making eligible payments now.
Product: Checking or savings account

i was XXXX in XXXX XXXX  someone stole my identity got into my accounts took all my money out of my chime account. i have proof of my iXXXX chime closed my account but will not refund my money or hear the fact i could not have made these transactions. i can not speak to anyone and they will not acknowledge the fact my entire account was hacked and i was robbed of my money.
Product: Credit reporting or other personal consumer reports

In accordance with the XXXX XXXX act XXXX XXXX XXXX XXXXnd XXXX XXXX amount {$740.00} : date XX/XX/2021 has violated my right to privacy. 
XXXX15 USC 1681 Section 602 states i have the right to privacy.

.15 USC 1681 Section 604A Section 2 It also, states a consumer reporting agency can not furnish a account without my written instructions. 
.15 USC 16666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Debt collection

On XX/XX/XXXX I received an email requesting money for an old debt through XXXX XXXX. I believed I had paid this already. I received additional communications on XXXX, XX/XX/XXXX and XX/XX/XXXX. I disputed the debt on line via XXXX and the debt was removed from my credit report. 

I believe I received the XX/XX/XXXX e-mail so I contacted XXXX  XXXX XXXX XXXX and either through chat or e-mail advised the debt was removed from my credit report. I stated since this action was taken I believe this debt was paid off and request any and all information regarding this account closed. If you have any information regarding a debt or money owed, please send to my physical address including what I need to do to dispute if necessary. I never received any additional information in the mail.

Now, I'm getting this placed on my credit report again and no information on how to dispute the charges. They are just asking me to pay money without doing any investigation on if this has been paid for in the past. They still have not provided any documentation to prove this debt is mine and how much of it has not been paid.

Please provide proof that I owe this debt. Do not place this on my credit report without giving me an opportunity to dispute the debt.
Product: Credit card or prepaid card

XX/XX/XXXX : The Barclays Fraud department called me to alert me of suspicious activity on my XXXX XXXX XXXXXXXX XXXX # XXXX. 

Immediately I said I do not use this card for in person transactions, I use it online only. These charges are not mine. Please close the card and refund the transactions. 

The fraudulent charges span XX/XX/XXXX and XX/XX/XXXX. There are 8 charges at 4 retailers for a total of {$180.00}. A screenshot will be attached to this complaint. 

I'm told the charges will be taken care of, so I do nothing. 

XXXX : I notice the charges are still on my account. Sure that it was a mistake, I use the online tool to dispute. 

Denied with no explanation. 

Later in XXXX : I dispute again. 

Denied with no explanation. 

In XXXX, I dispute a third time. Denied. 

I call. I am tossed around from department to department with no explanation. I spend an hour on the phone to be told I must speak with a manager and the only way to do so is to get a call back in the next 5-10 business days. I am told if i miss the call for any reason, they will not be calling back.

So I wait and I am called a number of times from the billing department. They're concerned about my late payment, despite being in the middle of a fraud dispute. For two weeks I answer every call, I am never called by a manager.

I call again. I spend another hour being passed from person to person and I am given no answers. Rinse and repeat. I spend XXXX hours in total trying to speak to a person about the matter, I am given no answers. 

Eventually I am told by an employee that my dispute was denied because I didn't send any proof that I was not at these locations on XX/XX/XXXX and XXXX. When I ask what kind of proof to provide, he tells me to send in my work schedule via fax and that will be good enough. 

XX/XX/XXXX : I fax in my work schedule, my explanation, my dispute. 

My dispute is denied. 

XX/XX/XXXX : I send another fax dispute. It include a photograph w/ my geo-location for the day, my schedule, an explanation and so on. 

My dispute is denied. 

XXXX. I call again after an hour I am transferred to a person who finally tells me that the reason my claims are being denied is that at one point over the past three months, I told one of the employees that I had the card in my possession. I explain to her that though I might have said this, it was a mistake. I do not have the card, I have searched my home. I do not make outside payments on this card, I do not visit these establishments. 

I have spent HOURS talking to Barclays over the past three months. And still, I have not been granted access to any person who is willing to talk to me about these fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. severely mishandled my personal data, not putting adequate safeguards in place to secure my personal information. My information is now compromised, along with the personal data for millions of other Americans.
I am listed as a potential victim according to their equifaxsecurity2017.com website and would like a resolution.
Product: Credit reporting or other personal consumer reports

After making my monthly review of my XXXX Report and viewing my Credit Score. I find EQUIFAX is violating my rights as a consumer by improperly reporting a number of items that should be excluded from my consumer report. Your company EQUIFAX is reporting an ADVERSE ACTION on a few line items listed on my Consumer Report. The accounts or line items are listed below. 
I am making the following complaint and dispute against EQUIFAX on the basis of violating my rights as a consumer by reporting on my consumer report an ADVERSE ACTION. A report containing information solely as TRANSACTIONS or EXPERIENCES between the consumer and the person making the report. A complete violation of my rights as a consumer in accordance with 15 US CODE 1681m ( b ) ( c ). A line item listed on my consumer file as an ADVERSE ACTIONS or OLDER DEROGATORY EVENTS under section or line item 2 YEAR HISTORY, LATE PAYMENTS 30 day past due, 60 day past due, 90 day past due and 120 day past due Your company EQUIFAX is in direct violation of 15 US code 1681m ( b ) ( c ) Requirements on Users of Consumer Reports,15 US CODE 1681a ( 2 ) s-3 Definition ; rules of construction and 15 US CODE 6802 Obligations with respect to disclosures and personal information. It is unlawful for EQUIFAX to report my transactions or experiences between me ( the consumer ) and several accounts ( The person or persons making the report ). However, the accounts listed below ( The Person making the report ) has reported to EQUIFAX my TRANSACTIONS or EXPERIENCES. However, a consumer report has been reported to EQUIFAX and by EQUIFAX on my consumer report. A consumer report by EQUIFAX listing my TRANSACTIONS or EXPERIENCES shall not be reported or include a report furnished by or from the listed accounts reporting my TRANSACTIONS or EXPERIENCES. According to15 US CODE 1681a ( 2 ) s-3 Definition ; rules of construction. According to the law as it is written the term consumer report shall not be reported under the law regarding ADVERSE ACTION as it is described regarding EXCLUSION pertaining to TRANSACTIONS or EXPERIENCES. My complaint against EQUIFAX does meet the standard set by 15 US CODE 1681m Requirements on USERS of Consumer Reports, 15 US CODE 1681a ( 2 ) s-3 - Definitions ; rules of construction. Therefore, I am demanding that EQUIFAX remove the Consumer file listed as 2 YEAR HISTORY, OLDER DEROGATORY EVENTS 30 day past due, 60 day past due, 90 day past due and 120 past due and LATE PAYMENTS with accounts listed from my Consumer Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to follow up the previous Complaint requesting the removal of the fraudulent accounts and information off of my Credit File. It is important to emphasize that, according to the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are causing significant harm to my creditworthiness. I did not open the following accounts neither did I authorized anyone to do so in my behalf, therefore I need you to remove the following items as soon as possible : XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$300.00}. I want to make it clear that I have already reported this fraudulent activity to the appropriate authorities and provided all the necessary documents to prove the fraudulent nature of these items. I have also requested that the responsible creditors investigate the matter and remove them from my credit file.
Product: Debt collection

I returned all the medical supplies sent to me in the amount of time specifide because the sensor was faulty and not accurate. I called and complained nurmous times to never have my calls returned, so I returned their products in full. They took money off my husbands credit card for over {$300.00} that needs to be returned to me. They have been harassing me non stop and I 've explained to them that I will not pay for something they already have back. I sent certified I have signed receipt! Thank you
Product: Credit reporting or other personal consumer reports

Secured Credit Card bank name : XXXX XXXX XXXXXXXX XXXX ORIGINAL STARTING BALANCE ( INCORRECT/NOT POSSIBLE - READ MESSAGE BELOW ) {$22.00} THIS DROPPED MY XXXX CREDIT REPORT BY ALMOST XXXX POINTS SECOND BALANCE REPORTED ( INCORRECT/NOT POSSIBLE ) {$170.00} THIS DROPPED MY XXXX CREDIT REPORT AGAIN BY ALMOST XXXX POINTS THESE TWO BALANCES WERE REPORTED TO XXXX BY XXXX XXXX AND XXXX XXXX XXXX WITHIN LESS THAN 2 WEEKS APART CAUSING SEVERE DAMAGES TO MY CREDIT SCORE NOT ONLY ARE THEY REPORTING THESE FALSE BALANCES TO XXXX, THEY'RE ALSO REPORTING IT TO EQUIFAX AND XXXX HERE IS A MESSAGE I SENT XXXX XXXX  VIA LIVE CHAT : I'm having serious issues with the credit card builder and it's reporting practices to credit bureaus. Chime has been making errors in its reports claiming that I have a balance on my account, which is impossible since I have safe credit building on and with that any balance every month is automatically taken out of my XXXX account. This issue has caused my credit score to drop over XXXX points in two weeks. I am very XXXX off, unhappy. This is totally unprofessional and reckless and my credit information is being manipulated and XXXX is making false reports and amounts which is illegal under the Fair Credit Reporting Act. This needs to be addressed as soon as possible by the escalation team. If it isn't I'm going to report this information to XXXX reviews, XXXX reviews, XXXX play app reviews, going to make a complaint to XXXX and going to contact the agency that handles the FCRA. You are causing me damages by destroying and lowering my credit score with false reports and information. 


WHAT THEY ARE REPORTING AND THIS FALSE INFORMATION IS ILLEGAL AND IS CAUSING ME PERSONAL LOSSES AND DAMAGES
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contac ted Nelnet and g otten NO remlief. They are reporting  XXXX  accounts, late payments and the info on the credit file i s INCORRECT. I hav e requested the original signed contract and complete payment history They provided and I will attach it. It does NOT have the entire payment history becau se Nelnet sold the account to a third party ( whom I contacted and they said they DO NOT have the payment history at the time they had possession of the account ) I submitted the proof of Nelnet  having  XXXX  accounts and making them ILLEGALLY copbined sub and unsub loans to then report them as  XXXX  loans and showing late payments without PROOF of the entire history and that IS ILLEGAL according to the FCRA!! I contactd the CRA 's and even had a RECORDED phone call wi th NELNET  and  XXXX . NELNET ADMITTED THEY DO NOT HAVE THE COMPLETE INFO AND ARE REPORTING PARTIAL INFO AS THAT IS ALL THEY HAVE They claim it is legal for them to break the  XXXX  loans into  XXXX  and report them however they wish!!! This is and has been a battle for nearly a YEAR. NELNET is NOT IN COMPLIANCE with ALL credit reportinglaws and IKNOW it and are NOT doing anything to correct it as the FCRA states clearly REMOVE the account there are factual data errors on the account! It is ILLEGAL to re-age the loan ( ONLY  XXXX  LOANS ) and make them  XXXX  to report or to change or report ANYTHING they can not PROVE IN FULL!!!!! I want this account and ALL accounts reported  by NELNET REMOVED AT ONCE!!!!! IN THE VERY PROOF NELNET HAS THEY SHOW THE FIRST DATE OF DELINQUENCY IS OVEr 7 YEARS OLD!!! That is grounds for IMMEDIATE removal!!!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following hard inquiries on my credit report : Creditor Information XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I did not authorize these inquiries. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report and proper investigation of disputes. 

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failing to adequately investigate consumer disputes and for providing inadequate responses regarding validation methods. I believe Experian failed to comply with its obligations in my case, as no explanation of the investigation process or validation method for these inquiries was provided.
Product: Credit reporting or other personal consumer reports

They are vailating my rights according to the FCRA. TansUnion never provided proper validation of the accounts that are in dispute including inquires according to the FDCPA 15 USC 1692 g I was never provided a sign affiliated under penalty of s from the furnisher stating that the account Information being provided is 100 % accurate according to law. TransUnion was to conduct a proper investigation to provide the documentation outline above.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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

his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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

Subject : Dispute of Collection Account Under 15 U.S. Code 1681b, 15 U.S. Code 1666, and 15 U.S. Code 1681e ( b ) Re : Account Number : XXXX Collection Account : XXXX XXXX XXXX  XXXX Date of XXXX To Whom It May Concern : I am writing to dispute the accuracy of the information reported on my credit file in relation to the collection account listed under the account number # XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ) and other relevant statutes, I am seeking the removal of this collection entry based on violations of 15 U.S. Code 1681b, 15 U.S. Code 1666, and 15 U.S. Code 1681e ( b ).

15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : I assert that the reporting of this collection account violates 15 U.S. Code 1681b, as there is no permissible purpose for the inclusion of inaccurate information on my credit report. The reported collection is not accurate, timely, or verifiable, and it adversely affects my creditworthiness.

15 U.S. Code 1666 - Reasonable Procedures to Assure Accuracy : The presence of the collection account on my credit report indicates a failure on the part of the reporting entity to follow reasonable procedures to assure the accuracy of the reported information, as mandated by 15 U.S. Code 1666. I request that you investigate this matter promptly and remove the inaccurate information from my credit report. 

15 U.S. Code 1681e ( b ) - Timely Reinvestigation of Disputed Information : I am formally disputing the accuracy of the information contained in the collection account. I request that you conduct a timely reinvestigation, as stipulated by 15 U.S. Code 1681e ( b ), and provide me with the results of your investigation within the legally mandated time frame. 






Additionally, in keeping with the Fair Debt Collection Practices Act ( FDCPA ), which is a Federal Law as well as a state-specific regulation, the state of XXXX XXXX requires collection agencies to obtain licenses to collect in/for that state. Specifically for the state of XXXX XXXX, XXXX  XXXX XXXX XXXX is required to file a Collection Agency Bond application which they had not done. 
As per the XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, is not licensed to make collections for businesses within the state of XXXX XXXX. They are clearly in violation of Federal Law and by you allowing the fraudulent collection to remain on my report, you are in turn fostering Federal Law violations. 

Please find attached copies of documents supporting my dispute, including : A grab screen from the XXXX XXXX XXXX website showing that XXXX XXXX XXXX XXXX is not registered/licensed within the state of New Jersey to collect debts in/for that state. 
Original Dispute Request ( dated XX/XX/2024 ). 

I kindly request that you investigate this matter as soon as possible and remove this fraudulent collection from my credit report. 

Your prompt attention to this matter is essential in correcting the inaccuracies on my credit report. I appreciate your cooperation in resolving this dispute in accordance with federal law.