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

Concerning my XXXXXXXX XXXX XXXX  They are in violation of 15 U.S.C. 1681S-2 ( a ) ( 1 ) ( F ) ( ii ) ( I ) and FCRA 611 ( a ) 1 I was given accommodations verbally but never a written agreement for a forbearance/deferment of monthly payment for my XXXX account. Lateness for XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXXThese 6 lateness should be deleted from my account and never reported again. Please due this immediately!!!! All of these lateness were under the verbal forbearance/deferment agreement. These lateness were also during the National Emergency Pandemic relief period ( XX/XX/XXXX Thru XX/XX/XXXX ) XXXX XXXX XXXX offered me an unwritten verbal agreement for forbearance/deferment then reported me lateEven though I made good will payments. I requested that the forbearance/deferment agreement be in writing and no response was given from the creditor. Then they reported the information late even though the payments were protected by the National Emergencies Act ( 50 U.S.C. 1601 ). The national emergency act was enacted on XXXX XXXX XXXX and was in effect until XXXX XXXX XXXX You never even told me when the forbearance/deferment was over. I was not required to make any payments and the ones I did make were counted as late! This is a violation of my rights. This violation has caused me great financial losses and is affecting my ability to gain employment. Please delete this account from my credit profile records immediately. 

I have initiated a dispute to XXXX  XXXX XXXX XXXX on XX/XX/XXXX to remove these items due to the terms stated above but they have not acted, answered or replied. 

Not only has XXXX chosen not to respond, it is also past the XXXX period legally for them to do so. On top of that Transunion, XXXX, and XXXX has not replied also I sent them a dispute letter on XX/XX/XXXX as well. This is a violation of my rights. FCRA 611 ( a ) 1. Please permanently delete this record from my credit profile immediately! 

LETTERS SENT TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 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 items of information, other than records of convictions of crimes which antidotes 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.
Product: Credit reporting

Dear sir /ma'am, My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XXXX XXXX I want to file a complaint against the Collection agency and all XXXX credit bureau so that they can remove the unwanted / wrong collection from my credit report. 
I called XXXX on XXXX/XXXX/XXXX at XXXX XXXX and spoke to XXXX I provided her the USPS tracking numbers she tracked the package and confirmed the delivery. Then she opened the Case : XXXX to get the credit adjusted for returned devices. She told me that someone will call me at XXXX XXXX XXXX with 3 business days and will tell me about the outcome of the case. 
UPSC tracking # XXXX UPSC tracking # XXXX Now without informing me or without sending any bill XXXX just sold it to a collection agency called XXXX. XXXX contacted me in XXXX XXXX. I explained to them about the whole scenario and the representative told me that they are going to send me a form so I can furnish all these information in written. But I never received anything from this collection agency. So without sending me any form so I could have disputed the case with them they just put it on my credit report with all XXXX credit Bureau. I am providing the address and phone numbers of all involved agencies. 
Address and phone number of collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Address of credit bureaus XXXX XXXX. XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Equifax XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$30000.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Automobile Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 85 Months Monthly Payment {$640.00} Responsibility Individual Balance {$30000.00} Highest Balance {$45000.00} Payment Status Current Worst Payment Status 30-59 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times 30/60/90 Days Late 2/0/0 Remarks --
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I opened a One Main Loan account through One Main in California. I was making regular payments but fell on hard times and unfortunately stopped paying on the account. It did indeed go to collections. On XX/XX/XXXX, I filed for bankruptcy utilizing an attorney. The information was sent to all of my creditors, One Main included. I confirmed with the company they received the bankruptcy paperwork from my attorney. In XXXX, the bankruptcy was discharged and no more than a month after being discharged, One Main put this defaulted loan back on my credit profile. I reached out to the company immediately and the lady I spoke with ( name unknown ) was extremely rude and said something like they don't have to take it off because the balance is XXXX. So apparently before my bankruptcy discharged they switched my account to owing XXXX. But see if I owe XXXX as it says, how can this be defaulted? I asked her that question and no answer. I then hung up on her and immediately contacted my attorney. She said she has no clue what that representative was referring to because it doesn't matter if the balance is XXXX or not, it was included in the bankruptcy and should no longer be on my credit report. My attorney requested their information and I provided it to her. She reached out and within a couple weeks it was off my credit. A few months later, and it returned. I then tried multiple times to dispute with XXXX and keep getting the same result " the debt is valid. '' It is valid. I'm not disputing that but it was included in a bankruptcy. It legally should no longer be on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX ( XXXX ) pulled credit report fraudulently. This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character
Product: Debt collection

A few years ago, my car was robbed ( XXXX XXXX between XXXX and XXXX XXXX, XXXX  ). I reported it to the XXXX XXXXXXXX XXXX XXXX. My XXXX and XXXX were both stolen, along with an unused XXXX XXXX XXXX XXXX XXXX XXXX card. Spring Oaks Capital has called repeatedly. I have shared this information each time and they say they will investigate. They continue to call incessantly. Yesterday ( XX/XX/24 ), they implied that a lawsuit was in process. After pushing the issue, they admitted no legal action has been taken. It was simply a tactic to intimidate. They are claiming a debt of {$770.00} ns continue to report to the credit bureau.
Product: Student loan

Hello- I have a private student loan with Navient ( was SallieMae ). It was 2006. The school is The XXXX XXXX XXXX XXXX. The school is closed and has been for a couple of years. There was a lawsuit against the school and we the students won. My federal student loans were removed completely. 

The private loan was suppose to be removed as well and it did not. 

I do Not have a transcript, a degree, anything from the school due to the fraudulent activities they did. 

Navient is not looking into this matter and is ignoring my concerns and responses. 

The loan isnt paying off anything or towards any education received or earned. Navient removed personal loans from other students but not me. 

Please help!
Product: Credit reporting

Multiple wrong address information..on my XXXX, Trans Union and XXXX credit files XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX../..XXXX XXXX XXXX XXXX, XXXX XXXX../. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX../.. XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. 
XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX ../.. 
XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Morning, I was notified of several hard inquires that hit my credit that i did not initiate. There were XXXX hard inquiries at the end of XXXX and today I was notified again of XXXX more inquires! 
I did not make these inquires and there are now a total of XXXX and I do not believe it will stop here. I need assistance in stooping what is happening to my credit. There are multiple company 's and I have tried contacting them. 
Thank you for any assistance, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. XXXX XXXX Account # XXXX, has violated my rights. XXXX  XXXX Account # XXXX, has violated my rights. XXXX Account # XXXX, has violated my rights. XXXX Account # XXXX, has violated my rights. XXXX XXXX  Account # XXXX, account 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 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.
Product: Credit reporting or other personal consumer reports

i am a victim of XXXX XXXX  and someone, that being said the people that used me for XXXX XXXX has used my personal information to obtain services and goods to capture goods using my personal information. 
please block the information that is currently being reported on my credit report fraudulantly.
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX  Central time I have received multiple texts and emails with a chime one time code and then boom! My phone number was changed and then another saying I had sent {$2400.00} to a XXXX XXXX. I have never in my life met this so called individual as well as never seen the phone number they used. I immediately contacted chime, attempted to gain access to my account and was not able to. I literally had to send in screenshots of myself and me holding up my ID. Then is when I was able to gain access and file a dispute. The agent I spoke with had said, " If then funds are pending we can cancel that transaction and put the funds right back into your account. '' This was not the case at all, as I then got another email the day after XX/XX/2023 stating no fraudulent activity was found. I again called them right away and explained they were 1000 % incorrect. They reopened the dispute again. Then boom another email XX/XX/XXXX regarding the same exact thing. No fraud was found. Again I called spoke with a dispute supervisor this time and again had to repetitively explain myself regarding this dispute at hand. This was again reopened and again on XX/XX/XXXX another email saying no fraud has been suspected. Again I call and speak with a second dispute supervisor and again explained myself. Reopened this dispute and again same thing come XXXX XXXX. 
Keep in mind XX/XX/XXXX I send them 3 screenshots of the text and emails I received, one was the code and phone number changed to gain access. Two was the email of the phone used to get in and three was the email regarding I had send them {$2400.00}. I had also explained to them that on XX/XX/XXXX or XXXX I changed my address in the app and after that I was getting text messages giving me a one time code to change my password to not share it. I then deleted those as no I was not attempting to do such thing. Then boom! Come XX/XX/XXXX when I was clearly asleep at XXXX XXXX  this scammer got in and transfer all my funds. 
This has created such a horrible hardship on me as I have lost my job and was relying on my funds to make ends meet while I seek out new employment. I am on the verge of losing my housing, going to food banks and trying to get help with gas for my car with XXXX children and becoming homeless because Chime is not doing there due diligence in a correct manner. Chime also sent me emails saying there disputes take up to 45 days and my case will be concluded as of XX/XX/XXXX. They have a credit they can offer with in 10 days if found fraud was conducted. This has not been the case as I have received these emails with in 1-5 days regarding no fraud was found.
Product: Credit card

USAA keeps sending me credit card offers. Originally they sent them to me. When i complained, the just changed the name on the address to one of my daughters, who does not live with me. I complained again, and told USAA to never send anything to my address. Now I am getting credit card offers from USAA addressed to my other daughter. Both my daughters are fully grown and have been out of the house for years. My address has even changed since my daughters last lived with me. USAA claims to be such a friend to the veterans, but I 'm a vet, and they are a XXXX to me. Please make them stop marketing my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below reporting on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I'm looking forward that the disputed items will be corrected immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have included XXXX XXXX in my bankruptcy filing over 2 years years ago. They came about out of no where recently sending me emails about debt collection and just recently reported 2 separate debt collections on my credit report.
Product: Prepaid card

On XX/XX/year> XXXX  XXXX from XXXX XXXX XXXX attorney received a subpoena return from american express. American express is denying the grand jury subpoena XXXX  XXXX submitted to them
Product: Student loan

I have an agreement between the XXXX XXXX XXXX XXXXXXXX to provide 2 years of service in a rural setting in exchange for two payments totaling {$50000.00}. The first payment was made on XX/XX/year> addressed to XXXX the loan lender. I have reached out to XXXX multiple times since then and they repeatedly inform me that they have not recieved any payment. I have spoken with the XXXX XXXX  XXXX XXXX who tell me that payment has been sent and they have confirmed this with a check number. Since this time I have been trying to sort out where the first payment, totaling about {$25000.00} is. I am hoping for some resolution or help in sorting this out. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a debt from XXXX in which I have sent them not only a letter from debtor stating that I am not responsible but also proof that I have the title to the car in question. There is no lien, and furthermore, I would not have the title in my name if there were still a debt owed. They have failed to verify violating FCRA.
Product: Checking or savings account

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Chex Systems , Inc , block information appearing on my consumer 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, AZ XXXX account number XXXX in the amount of PAID IN FULL {$220.00}. Also, a hard inquiry by XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX.
Product: Credit card or prepaid card

XXXX  years ago my ex boyfriend cosigned on a Best Buy CBNA credit card for me. When we broke up he said he was going to close the account so I the account so I cut up the card.. Needless to say he never closed the account and hes using the card and it's affecting my credit and I can not seem to get my name off of this, I can't even talk to anyone at Best Buy credit without knowing the account number and my ex 's social security number and I have no way of reaching him Or the account number... Please help me if you can
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were disputed as fraudulent and experian,  XXXX  and   XXXX    have failed to remove said items from my report as mandated by the fair credit reporting act.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   total  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the following company that does not belong to me. I have attached my FTC identity theft report XXXX XXXX XXXX XXXX  inaccurately reporting ( 6 ) accounts from XXXX XXXX XXXX XXXX late on XX/XX/2017 and XX/XX/2017. If I was on time in XXXX XXXX then it is impossible XX/XX/XXXX 90 days or XX/XX/ 120 Equifax inaccurately reporting ( 6 ) accounts from XXXX  XXXX XXXX XXXX late on XX/XX/2017 and XX/XX/2017. If I was on time in XXXX XXXX then it is impossible August 90 days or XX/XX/120 XXXX is reporting the following company that does not belong to me. I have attached my FTC identity theft report XXXX XXXX   XXXX XXXX inaccurately reporting ( 6 ) accounts from XXXX XXXX late on XX/XX/2017 and XX/XX/2017. If I was on time in XXXX XXXX then it is impossible XX/XX/XXXX 90 days or XX/XX/120 120
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has once again inaccurately reported my credit balance incorrectly after I submitted a dispute to Capital one to fix this error. I submitted a dispute on XX/XX/XXXX after speaking with a Capital One Rep., who told me about this process, hoping it would be corrected so my credit score would not suffer. The underline issue is that Capital One is still not reporting my balance of XXXX which is the balance on my XXXX statement which was supposed to be reported on the XX/XX/XXXX but instead my balance of {$1000.00} was reported prematurely to XXXX and XXXX by Capital One on XX/XX/19 which made my credit utilization 59 % when instead it should have been 28 %. My billing cycle was not closed while Capital One reported my balance of {$1000.00} prematurely. I am sending supporting documentation that includes the amount on my billing statement which should have been reported on the XXXX of XXXX. After sending Capital One dispute department a detailed letter describing this issue in attempt to fix the problem ; Capital One responding by reporting XXXX on XXXX, instead of XXXX. I am at my wits end with Capital One after three years. After calling Customer service numerous times, no one knows what is going on, I keep getting the run around and I can not not reach anyone directly at Capital One who would address this concern. 
I will also provide my dispute letter that was sent to Capital One.