23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/XXXX - XX/XX/XXXX : {$27.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$46.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$11.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$50.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$44.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$25.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$300.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$220.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$260.00} - per month when contacting XXXX XXXX regarding financial distress, XXXX provided me with information on hardship forbearance or deferment, instead of potentially giving me more beneficial repayment options like income-driven repayment plans. I request in writing and via customer service that I would like the inaccurate late payment information to be removed from my credit report. I received a notification stating that they were investigating my request, but I still have not received a final decision. It has been over 30 days.
Product: Credit card or prepaid card

I AM VICTIM OF AN IDENTITY THEFT, THE DISCOVER BANK IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. NUMEROUS TIMES I HAVE REACHED OUT TO THIS BANK AND TOLD THEM THAT THIS A FRAUDULENT ACCOUNT, THIS ACCOUNT WAS OPENED AND MAINTAINED WITHOUT MY CONSENT. DISCOVER NEEDS TO UNDERSTAND THAT THIS IS A FRAUDULENT ACCOUNT, WHY SHOULD I BE PUNISHED BECAUSE SOMEONE FRAUDULENTLY OPENED THIS ACCOUNT, AND NOW I AM BEING PUNISHED.
Product: Credit reporting or other personal consumer reports

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


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

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

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

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

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

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


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


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : PARAMOUNT RECOVERY SYSTM Account number : XXXX
Product: Debt collection

I have contacted this company and the credit bureaus about this matter, however I have been ignored by both. I send certified letters to both and no resolution. The company has not responded to why they are reporting this on my consumer credit report. 
Also, this company is increasing the amount owed each month on my credit report. Isn't that illegal?
Product: Checking or savings account

I 've been attempting to close my account and have plenty of issues with closing the account by phone. I am not able to visit a branch location to close the account because I am out of the country currently. They continue to charge me a monthly maintenance fee and this is a result of not being able to close the account on time. Bank Of America will not waive those fee 's even though they ca n't close my account.
Product: Credit reporting or other personal consumer reports

I have been noticing that my credit report does not have my correct personal information and this is causing this unknown and inaccurate account to appear on my credit. I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing an item on my report that I never was associated with. I filed an FTC report as I was instructed to by Experian. I have sent in this report but this fraudulent item still remains.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

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

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilles with fairness, impartiality, and a RESPECT for the consumer 's RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system I never gave my expressed, written consent fle these consumer reporting agencies to report my information, which violated IS U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 Us. Code 1631c-2. These accounts are notrelatedtoany
Product: Checking or savings account

XX/XX/scrub>XXXX XXXX XXXX this transaction was void by XXXX XXXX XXXX XXXX returned to my account. on XX/XX/year> Chime removed the funds causing an overdraft of XXXX 7 days after the funds where returned to my account by XXXX 's. I have dispute the charge and submitted documents stating the transaction had been void on the same day. 

on XX/XX/year> i spoke with XXXX 's customer service team who provided me with document showing the voided transaction. I emailed that document to Chime with my dispute information on XX/XX/year> and still no help from Chime. 

I called Chime to advise this and they did nothing it is now 10 days later and the funds are still not back in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I was made aware that my twin sister and I credit file may have been merged with one another, as one her accounts was reporting on my experian report. I contact the lender and they, of course, stated the credit reporting company made the mistake and they were not complicit or culpable. I checked the rest of my report and noticed my sisters name listed as one of my names.
Product: Checking or savings account

On XX/XX/2024, I used spot me to pay XXXX {$96.00} on my checking account. The item was returned by Chime underhandedly without notification, and it created fees and a financial hardship.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a collection account or my consumer credit file I have tried several times to dispute this collection account with them, but they have not responded to any of my messages. After asking them to provide the full name and Social Security of the person and whom, this account belongs to I have realized that the name on this account is not me this account belongs to a XXXX XXXX XXXX XXXX which is not me, and this name is not present on my credit file. please remove this incorrect information and this collection account immediately. 

XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$430.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX {$200.00} dollar credit Limit {$120.00} owed My identity information has been previously compromised and used to open several accounts and inquiries without my permission. This is just one of the accounts that was opened that I do n't recognize. This is fraudulent account.
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

Back in XXXX 2009, I took out a personal loan with XXXX ( now OneMain Financial ). The term was for 84 months, and while I knew the interest was high ( 29.49 % is insane ), I assumed that the payment schedule that I was given would work to a XXXX balance at the end of the 84 months, at least that was how it was explained to me when I signed the papers. The initial amount was for {$7700.00}, and at the completion of the term, OneMain expects the remaining balance of XXXX, now. XXXX on time payments, with XXXX deferments, of monthly payments of XXXX, I have paid a total of {$16000.00} dollars towards my account, more than double the initial loan. OneMain is predatory and outright extortion. There were several months where as little as {$2.00} or less were applied to the principal. I had no idea that in order to actually pay my loan off I needed to put down triple my monthly payment!
Product: Debt collection

Repeated, unwanted and voluminous numbers of phone calls to my cell phone from Rausch Sturm ( located in Wisconsin ). This company has called my cell phone repeatedly and on a daily basis using a myriad of different phone numbers intended to appear from area codes in the XXXX, Texas area. Generally the calls appear in the afternoon, however, today on XX/XX/2021 I had yet another phone call from them with an originating number of ( XXXX  ) XXXX that rang at XXXX which woke me from my sleep and disturbed my peace. 

I do not have any valid, outstanding debt and there is simply no reason for these endless phone calls at any hour of the day, especially at XXXX. 

This debt collector is using unscrupulous methods to contact individuals by hiding behind many different phone numbers with multiple area codes as well, which has an unfortunate effect when I can not simply block one phone number and silence the endless array of phone calls due to the calls originating from alternate phone numbers. 

I have evidence of this call at XXXX and will gladly seek legal representation and file suit against Rausch Sturm if this issue persists, but I am hoping the CFPB will take action against them first.
Product: Debt collection

There are two fairly new debt collections accounts coming from a company called NCA. One for {$430.00} and one for XXXX XXXX They are unresponsive when I try to reach out
Product: Prepaid card

ispute Number XXXX Filed today XX/XX/XXXX Transaction id for the disputes XXXX THE TRANSACTIONS FROM XX/XX/2024 - XX/XX/2024 I DIDNT AUTHORIZE ANY OF THESE SOMEONE USED MY CARD AND DRAINED OUT ALL MY MONEY THIS IS the 2nd time now its happened. I thought it was just stacking my money. Please give it back. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is my XXXX XXXX XXXX XXXX XXXX is the card number The merchants names is XXXX XXXXXXXX XXXX XXXX XXXX XXXX  all the transactions after XX/XX/2024 I didnt do. They gave me a new card before for the same thing happened PLEASE FIX THIS. Temporary credit asap. 
THIS HAS HAPPENED TO ME BEFORE. I was saving all my unemployment money in there and the money they gave me back from someone stealing it the first time. Please I want my XXXX $ back. This is ridiculous
Product: Credit reporting or other personal consumer reports

I checked my credit report and seen an account with CapitalOne, someone has put me on their account as an authorized user. I have never had an account nor have i asked someone to do this with CapitalOne.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXXXXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Debt collection

I received a copy of my credit report which showed a creditor,  Paramount Recovery Systems , a collection agency, in the amount of {$710.00}, reporting to all three major credit bureaus. I contacted the collection agency and requested that they validate the debt and provide me with proof of the debt. In response they provided me with an itemized medical bill showing medical procedures, diagnosis and summary charges. This is a violation of the HIPAA law as the collection agency should not have access to this information. I am happy to provide this information upon request.          Paramount Recovery Systems   XXXX   XXXX   XXXX   XXXX , TX  XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft do to the XXXX data breach the XXXX XXXX XXXX XXXX and also the XXXX XXXX  data breach attached is a copy of my identity theft report with all listed fraudulent accounts Transunion fraudulent Accounts XXXX XXXX XXXX XXXXXXXX {$1200.00} Account # XXXX Fraudulent inquiries Transunion XXXXXXXX XXXX XXXX XXXXXX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to protect my data and the data of millions of others around the world. The one consolation for all was supposed to be a free TrustedId membership. I want to inquire as to why the technical issues with that site have not been fixed, and what the expected timeframe is for maintenance.
Product: Vehicle loan or lease

Nissan XXXX has a portal to communicate messages about lease end intentions. I communicated that I planned to lease again in the Winter of this year ( XXXX ). Then I took the XXXX XXXX  XXXX into the local dealer where I have conducted business for the last XXXX years and made a sales order for a new lease XX/XX/XXXX which includes the local dealer purchasing my currently leased vehicle. In XXXX, I went into the portal to make payment and it said contact the XXXX # your lease is expired. I did this and XXXX told me to obtain information from the dealer to evidence the sales order. I did that but there was a missed email/fax by the local dealer so then I subsequently resent the information to Nissan on XXXX. After resending the required information they denied my extension and sent me a letter to call or return the vehicle to Nissan. 

The behavior by the lease termination team seems to be extraordinary given everyone that is in my situation is in the same situation waiting for allocation orders to be fulfilled. I'm at lost as to why I am an exception to not receiving an extension or agreement to retain my car until my new lease car is ready. I am a very disappointed loyal customer who has leased with Nissan XXXX for more than XXXX years and including being a joint signor on other leases for relatives. 

This complaint is being made because the fact is that my lease intentions were communicated in the message portal and I no longer have access to that portal or all of my payment history with Nissan. I made the last payment to Nissan on XX/XX/XXXX and was under the impression I was making another payment in XXXX based on what I reviewed at the time of the payment and so that is when in mid to late XXXX I realized I didn't have access to all of my information in the portal and that I needed to contact them which is when I was in contact with XXXX via the XXXX # on the portal screen. 

I am also making this complaint as it seems irresponsible for the Lease End Termination team to handle my situation the way it is being handled given the current economic conditions that are as a result of the COVID 19 pandemic. Deman is high and supply is low which is delaying the sale transaction in progress since XX/XX/XXXX, and prior to XX/XX/XXXX as intentions were communicated in the message portal. 

I request that Nissan XXXX permit me to retain my car as per all other customers in this situation until my new car arrives at the local dealer XXXX of XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS PROBLEM I HAVE IS WITH THE CREDIT AGENCIES NOT FOLLOWING THE FCRA THIS HAS BEING GOING ON FOR YEARS. 
I SENT A LETTER TO THE COURT ASKING THEM DO THEY REPORT TO THE CREDIT BUREAUS AND THEY RESPONDED THAT " WE DO NOT REPORT TO THT CREDIT BUREAUS! WHICH I SENT THIS LETTER MULTIPLE TIMES AND ASK THEM TO VERFIY WHICH THEY JUST IGNORED ME. 
THEY COULDN'T VERIFY IT BUT THEY REFUSED TO DELETE IT. 
WHY HAVE LAWS IF THEY ONLY APPLY TO CONSUMERS AND NOT COMPANIES. PLEASE HELP.
Product: Debt collection

HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH AD ASTRA RECOVERY SERVICES INC. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote about this before, at this point it is willful noncompliance, 15 U.S.C 1681n. In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, and XXXX XXXX Account # 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 instruction. These violations are also pursuant civil liability under 15 USC 1692k. If these accounts are not removed with monetary relief then the next letter will be mailed directly with an invoice for every violation.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX Balance : {$17000.00}
Product: Student loan

I have been enrolled in an Income-Driven Repayment ( IDR ) or Save plan for my federal student loans since XXXX. Despite over 20 years of repayment, my loans have not been forgiven as expected under the terms of these plans. My loan servicer, Mohela, has not provided a satisfactory explanation, a detailed payment count, or guidance on why my loans have not been dismissed. I filed a complaint with the XXXX XXXX XXXX Ombudsman on XX/XX/23 but have not reached a resolution. I am seeking the CFPB 's assistance in obtaining a clear account of my qualifying payments and ensuring that my loans are reviewed for forgiveness eligibility according to the IDR plan terms.
Product: Credit reporting or other personal consumer reports

These accounts below are more than XXXX XXXX XXXX and should have been removed from credit report. 

XXXX : XXXX View Account Details Account status Closed Age of Account 6 years 8 months 20 days Late payments XXXX XXXX XXXX XXXXXXXX View Account Details Account status Closed Age of Account 6 years 9 months 5 days Late payments XXXX XXXX XXXX XXXXXXXX View Account Details Account status Closed Age of Account 2 years 1 month 2 days Late payments
Product: Credit reporting or other personal consumer reports

I recently relocated to the state of TN. I have debt buyers and collection agencies on my report that are not licensed in the state of TN. Also I do live in TN but XXXX has my address listed inaccurately. I can provide the address which I do not want shared with debt collectors and collection companies. None of the collection companies listed on my report are licensed to collect a debt from this state. I will take action towards this. I tried to dilute with experian but was unable to do so. XXXX XXXX and equifax please delete these debt buyers and collection agencies from my report that are not licensed in the state of TN