23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have tried to work with Navient on the following issues : 1 ) The name on the loan, I am the parent and my name is on the loan. Both my son and I have tried to get this corrected for over 10 years and the information is still not updated. So I have been forced to carry this loan in my name and on my credit report. The second and most frustrating issue is that Navient will not allow us to pay this loan off without paying the interest for the entire loan in advance. Navient said that they will not allow us to pay additional amounts on the principal of the loan so to date we have paid {$14000.00} of interest on a {$35000.00} loan. When I call I am only offered forbearance which will only extend this loan. I am XXXX years old and at this rate I will die before paying off this loan. And finally my loan has been sold several times and each time payments were lost and I am not confident that the repayments were directed to the new owner.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I requested verification on some inaccurate items reporting to my credit report and have not been responded to. It's been over 45 days and it still haven't been a response. I honestly feel like I am being disregarded and ignored. Can you please get to the bottom of this?
Product: Credit reporting, credit repair services, or other personal consumer reports

About XXXX  years i decided to monitor my credit report because I was interested in becoming a mortgage loan originator and I knew they will check my finances XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) upon checking my credit report I immediately saw inaccurate information, names, accounts that I have never seen a ridiculous amount of inquiries soft and hard mostly for cars, loans, credit cards and mortgages when I never initiated any of it. I downloaded the experian app and it proceeded to tell my information was sold on the XXXX XXXX I contacted all three credit bureaus via phone to alert them and freeze my reports but the dings to my credit didnt stop at all. I disputed each one on the app and I sent letters to prove it wasnt me and they still left the information there. This is hurting my livelihood overall and preventing me and my children the life I work hard for everyday and I would like all of the inquires and accounts of my credit report stemming from XXXX.
Product: Credit card

When vacationing in XXXX on a cruise, I took a bus tour to view the XXXX. One of the stops along the tour was to a jewelry store/tourist section that offered free samples of cake and rum. While there, I purchased a XXXX watch and signed all my documentation for this sale. While waiting for the merchant to take links out of the watch, I was persuaded to buy a tanzanite ring as well. The merchant did n't have my size at the store, but told me that they could quickly get it there. After waiting a few minutes, the tour guide told me we would have to leave in order to see the remaining parts of the tour on schedule. Since the tour guide and the merchants seemed to know each other, they suggested that the bus could swing by on the return to the ship to get the ring. After the tour, we did swing by and the tour guide offered to go in and get the ring since I had my XXXX son asleep in my arms. When she returned, she told me that the ring was still not there and that it would be delivered. She handed me a business card with the merchant 's information and I assumed the merchandise would be delivered to my stateroom. Needless to say, I never received it on the ship or at home and after numerous calls, I ca n't get anyone to respond. Now after disputing this charge with Capital One and explaining this to them, a credit was issued and I was told that the merchant would have 90 days to respond. They did respond and with a copy of my sale 's receipt. Mind you, the sale of the ring was added to my original receipt for my watch purchase. Capital One denied my claim and put the {$910.00} back on my card. I contacted them and everyone seemed very understanding and sent it back to the dispute department. I spoke with someone on today, XXXX/XXXX/16 and explained the story again. The rep tried to reach out to the many numerous numbers listed by the merchant with no success to see if we could get this matter resolved. She then spoke with her supervisor to see if the funds could be credited back. Unfortunately, although they believe my story and believe that I never got the merchandise, they can not help me in recovering my money. What is the point of credit card protection?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting agency has refused to comply with the fair credit reporting policy by asking me for correct information to verify my identity which I have already sent them a copy of my state ID and poof of my address and my social security number and a police report stating that the accounts listed are the result of fraud and 12 inquiries are all fraudulent and this agency is giving me a hard time about removing this incorrect information from my report in a timely manner.
Product: Credit card

I have an account with XXXX XXXX XXXX issued by Synchrony Bank. We have XXXX credit card only and my husband uses it also for his expenses at work, so every time he receives his expense check I deposit to the bank and issue a online payment to XXXX right away to keep our available credit open so we do n't have any surprises when charging. On my last Statement I '' ve made three pmt one of {$890.00} this was expenses, one of - {$1600.00} also expenses and the last one of {$3200.00} which was my balance to pay and the last one was deducted from my bank account via on line pay with my bank on XX/XX/2015, XXXX received it on XX/XX/2015 and is still holding this pmt as of today XX/XX/2015. They are telling me they have to wait for the money to clear, I 'm sure my bank would not send my pmt if the fund was not in my account, ( And it was already deducted on XX/XX/2015 ) with this situation going on and the other charges done since, we went to charge a small amount of XXXX and was denied by the store, after talking to these clueless at XXXX they refuse to apply my pmt to my balance, my husband was leaving on a business trip this morning XX/XX/2015 without any credit cards. I do n't believe they have the right to hold on to my money since my Bank has pay themselves on XX/XX/2015 it should not be any issues about credited my account, they are abusing people who pay their bill off each months and they should not get away with it. I need help to stop these deceptive practices. It 's putting us in a uncomfortable position and my husband have no way to charge for his expenses for the next few days, we ca n't not accept this kind of XXXX, because we like to pay our bills ahead they are punishing us by refusing to apply pmt on the same day they receive it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ALSO KNOWN AS EASY AXXXX XXXX XXXX  IS BEING ALLOWED BY EXPERIAN CREDIT REPORTING SERVICE TO REPORT ON AN ACCOUNT THAT HAS BEEN CHARGED OFF KNOWING THAT UNDER FCRA 623 THAT THIS CONDUCT IS ILLEGAL.

HERE IS THE LAW FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ) Guidelines for Policies and Procedures I HAVE TOLD EXPERIAN NUMEROUS TIMES THAT THIS ACCOUNT HAS BEEN CHARGED-OFF SINCE XX/XX/2021 AND THA TTHE INFORMATION BEING REPORTED IS INACURATE. THE FACT THE EXPERIAN HAS NOT REMOVED IT FROM MY CREDIT REPORT IS ILLEGAL. 

THE FACT THAT EXPERIAN HAS NOT REMOVED IT IS PUNISHISHABLE BY LAW AND IF NOT REMOVE I SUFFER FROM SUSTAINED DAMAGES.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate XXXX XXXX XXXX
Product: Credit card

I filed a dispute with Synchrony bank amounting to {$300.00} back on XX/XX/2023 for a car sound system parts that I bought in XXXX via there third party seller which is the XXXX XXXX XXXX. I placed an order on the said parts on XX/XX/2023 with a XXXX XXXX XXXX. : XXXX and supposed to be delivered on XX/XX/2023 but nothing arrived on the given address. It wasn't just XXXX dispute that I filed but i filed XXXX times and it always came back in favor of the merchant due to the fact that there was a XXXX tracking number claiming that it was delivered which was not. Im hereto attached the said tracking number with XXXX and a screenshot of the parts that I ordered in XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Illegal Credit Report Inquiry by FACTUAL DATA XXXX  FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against FACTUAL DATA XXXX  for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( f ). On XX/XX/year>, FACTUAL DATA XXXXperformed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA. 

Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with FACTUAL DATA XXXX  that would justify this inquiry. This unauthorized credit pull has negatively affected my credit score and caused undue stress.

As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA. 
2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages. 
Please investigate this violation of my consumer rights and take action against FACTUAL DATA XXXX  to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately. 

Thank you for your attention to this matter, and I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. REMOVE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. Under the FCRA of 1970 Section 609 ( e ), I request that all the information listed on my credit report be blocked from my consumer credit file with your company pending your full investigation.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

DPT EDXXXX XXXX Balance Owed : {$1400.00} ; DPTED/XXXX  XXXX Balance Owed : {$920.00} ; DPT EDXXXX Balance Owed : {$4200.00} ; DPT ED/XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXXBalance Owed : {$19000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX  request to each company and they have been unresponsive. They are reporting misleading and inaccurate information. I have sent multiple request to have this information removed. My information was compromised in the Equifax data breach and these accounts are result of my information being compromised. It is illegal to report inaccurate information per US law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I made XXXX transactions on the XXXX of XXXX to which were pending and deducted from my balance for a total of {$350.00}. On XX/XX/XXXX at XXXX XXXX. Those transactions were posted to my account as completed deducing another {$350.00} from my balance. I contacted support and explained to them that very thing and they just immediately jumped to adding more money to my account and not even understanding or addressing my issue. So I then explained how they are the same tractions and the hold should be removed if the merchant and you have a completed transaction and even if so I shouldnt be charged twice. Representative was not understanding or even well informed about how transactions worked proceeded to say it is on the merchant and I need to talk to them and if its not correct by the XXXX then I can dispute it. I call the merchant and they advised me that I did only do the transactions once for each and they have finalized the transactions and they have been hearing a lot of this from this institution.
Product: Debt collection

On XXXX I received a copy of my credit report and found numerous inconsistencies, inaccuracies, and derogatory items that are wrongfully reported by Transunion, XXXX, and XXXX credit bureaus. I have disputed these items about 45 days ago only to check my credit report to find that the 3 credit bureaus have carelessly placed these items back on my credit reports without my written consent to do so. My name is reported in numerous other middle and last names. My address is inaccurately reported having numerous other addresses that I do not recognize. Previous employer and previous address inaccurately reported. Each credit bureau has my credit score unfavorable because of their inconsistent, inaccurately untimely reporting of such items. Not to mention. 
Total accounts XXXX Transunion, XXXX XXXX, XXXX XXXX, open accounts, XXXX Transunion, XXXX XXXX, XXXX XXXX delinquent accounts, XXXX Transunion XXXX, XXXX XXXX, XXXX derogatory accounts, XXXX Transunion, XXXX XXXX, XXXX XXXX collection accounts, XXXX Transunion, XXXX XXXX, XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion {$240000.00}, {$25000.00} XXXX, {$260000.00} {$410.00}, {$10.00}, {$410.00} Inquiries XXXX Transunion XXXX XXXX XXXX, XXXX XXXX all in which have inaccurately and or falsely reported on my credit report. I have circled areas of inaccuracies that I need to be REMOVED IMMEDIATELY from my credit report. These items have cause me hardship and I am not able to support my family, seek housing, get a credit card, get a new car, or apply for jobs that require credit background checks. The bureaus negligent behavior has caused my entire family a major hardship. The amount that they have placed on my credit report exceeds the amount of any debt that I owe in less than {$20000.00}. I want ALL items removed immediately from my credit report as the credit bureaus need to be held accountable for the damage they have caused me and my family due to their fraudulent reporting 's. According to 15 USC 1681EB you are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete accounts immediately for violating 15 USC 1681 EB.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit act XXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C1681 section 602 A states i have a right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish account without my written consent or instructions
Product: Credit reporting

I have disputed several times several public records listed on my personal credit file with Equifax. There are inaccurate remarks and even duplication 's. I ca n't get anywhere with this agency. Please help as they are listing # XXXX tax lien for {$80000.00}, # XXXX tax lien again for {$80000.00}, # XXXX {$1700.00} and # XXXX tax lien XXXX I do not owe any tax liens and these are a mistakes listed. Please help
Product: Vehicle loan or lease

Purchased an auto on XX/XX/XXXX Received first bill XX/XX/XXXX Bill due XX/XX/XXXX On the bill it says THE TIMING OF YOUR PAYMENT WILL AFFECT THE FINANCE CHARGES YOU PAY OVER THE LIFE OF YOUR AUTO ACCOUNT. 

I called the company Ally Financial based out of XXXX MN, to ask what this means. The answer I received is after 15 days a late fee would be charged to the account and every day after that time period if payment is not made finance charges are added for the life of the of the loan. So I think this is what it means though it is not clear. if I was late for 1 day past the due date whatever interest that accrued would be added to the loan and interest would be paid on that amount for the rest of the loan. So for example if {$1.00} was the interest for one day after the 15 days allowed that {$1.00} would be added to whats owed and for the rest of the life of the loan that extra dollar will accrue interest. I also was told by the finance company that the dealership should have informed us of this policy and they did not. Also after talking to the finance company, I called The dealership and was told that is a common practice for all finance companies. I have never noticed this to be the practice of loan companies. 

I dont plan on paying my payments late but things happen. 

Attached is a copy of the policy in question that was on my bill for the loan company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX A Creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Credit reporting 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.

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 informationisinaccurate.
Product: Debt collection

Last evening at   XXXX   XXXX   Midlanding funding went into our   XXXX   XXXX   account and withdrew {$1800.00}  plus  &  XXXX  process fee with no warning, which is my  XXXX  pension that I live on. The bank said they won a court judgment against me for a previous credit card debt. This  3rd  party is not even the original creditor -- it was  XXXX   XXXX  or  XXXX   XXXX  I believe. I had lost my job as a   XXXX   XXXX   and went our on a   XXXX   %  XXXX . When the economy crashed in   XXXX   around the same time my husbands   XXXX    business crashes as well and we were in survical mode with  XXXX  children. and a sick  XXXX . They have left me with not enough to pay my bills!!!
Product: Checking or savings account

Wells Fargo recently started charging my checking account a monthly service fee of {$10.00}, despite my meeting the requirement for waiver of the fee by exceeding the minimum age requirement. After I protested, Wells Fargo did send a check to me for {$24.00}, which they falsely indicated was for reimbursement of the monthly fee for XXXX accounts ( I only have XXXX ) and whether XXXX or XXXX accounts the check should have been in the amount of either {$20.00} or {$30.00} not {$24.00}, so the check must have been for something else, leaving me still awaiting reimbursement of the incorrectly assessed fees.
Product: Credit reporting or other personal consumer reports

I am requesting a reinvestigation of the following items on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX