23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient has recently submitted a bill ( statement date : XX/XX/XXXX ) associated with my account number XXXX that wrongfully states that I failed to issue a payment. Throughout XXXX I have complied and submitted my specified IBR payment, {$550.00}. Even their own account history reflects that I have faithfully submitted payment each month. The last payment made in XXXX shows that they applied {$470.00} to interest and {$75.00} to fees. This application of my payments was divergent from prior months wherein it all went to interest. On a side note, I thought during student loan payment pause that my payments would be applied to principal, but that past two years reflect that nothing has gone to principal. 

It is typical behavior for Navient to engage in false billing practices then unilaterally and falsely assert unpaid fess on my federal student loan account. I have previously submitted a complaint regarding wrongfully assessment of unpaid fees applied to my account due to their fraudulent and willful failure to accept my IBR application. They also purposefully misdirected me to enter into a hardship deferment when IBR was the best option. Those disputes remain continuously contested originating in XXXX with no resolution. Again, it appears that Navient is attempting to assess wrongful amounts and fines against my federal student loans. While others student loan borrowers have been able to enjoy the payment pause on student loans over the past two years, I have paid my IBR payments only to meet harassment at this juncture. 

Borrower : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I turned in a XX/XX/XXXX XXXX ( in lease ) for a new GMC XXXX. 3 months later my credit score dropped 90+ points. The credit check showed that GM financial put the a ding on my credit for 3 months past due on my old lease/ I called GM Financial and they said my dealer still owed {$42.00} on my returned car. I asked for a statement, as I recieved no notification from GM about this. They couldn't even say what it was for. The said they would fix it and my credit report would show nothing happened. 
We are now 6 months into it and my credit report has not improved. Still no explanation. I finally spoke with the dealership owner and they could find no information on what the " past due '' balance was about. They never received any invoice other than what GM Financing sent them at closing. I have copies of the invoice and the check. 
Now the dealer has paid GM Financial the supposed {$42.00} for the unknown charge. 
This may fix the mystery outstanding balance, but I am concerned that the blip on my credit will not be removed and my credit score will not  return to its original number. 
When I ordered all three credit reports XXXX the three bad marks are the only ones in my entire credit history which I have worked hard to maintain.
Product: Money transfer, virtual currency, or money service

This breach has not only compromised the integrity and confidentiality of our business information but also poses a significant risk to our operations and reputation. We believe this incident warrants immediate investigation and action to prevent further unauthorized access and to mitigate any potential damage. Google, XXXX, XXXX  and google pay google XXXX  Requested Actions : Conduct a thorough investigation to identify the source and method of the data extraction.

Implement enhanced security measures to prevent future breaches. 
Provide a detailed report of the findings and steps taken to address the issue. 
Assist in the recovery of any lost or compromised data. 
We trust that you will treat this matter with the urgency and seriousness it deserves. Please acknowledge receipt of this complaint and provide an estimated timeline for the investigation and resolution. over a XXXX in revenue that i have this the code used to extrect my info for there own # Sample data ( replace with your actual data ) data = { 'order_type ' : [ 'Online ', 'In-store ', 'Phone ' ], 'sales ' : [ XXXX, XXXX, XXXX ], 'cost ' : [ XXXX, XXXX, XXXX ], 'date ' : XXXX ( [ XXXX ', XXXX ', XXXX ' ] ), 'brand ' : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  " ], 'margin ' : [ XXXX, XXXX, XXXX ] # margin = sales - cost } XXXX = XXXX ( data ) # Calculate average sales for each order type avg_sales_per_type = df.groupby ( 'order_type ' ) [ 'sales ' ] .mean ( ) # Calculate average cost of completed orders each day this year ( assuming 'completed ' means margin > XXXX ) completed_orders = df [ df [ 'margin ' ] > XXXX ] avg_cost_per_day = XXXX ( 'date ' ) [ 'cost ' ] .mean ( ) # Calculate brand with highest total margin total_margin_per_brand = XXXX ( 'brand ' ) [ 'margin " ] .sum ( ) highest_margin_brand = total_margin_per_XXXX ( ) # Calculate total sales for the last 3 months ( assuming today is XX/XX/year> ) last_3_months = df [ df [ 'date ' ] >= pd.to_datetime ( XXXX ' ) ] total_sales_last_3_months = last_3_months [ 'sales ' ] .sum ( ) # Print the results print ( " Average sales for each order type : '' ) print ( avg_sales_per_type ) print ( " \nAverage cost of completed orders each day this year : '' ) print ( avg_cost_per_day ) print ( " \nBrand with the highest total margin : '' ) print ( highest_margin_brand ) print ( " \nTotal sales for the last 3 months : '' ) print ( total_sales_last_3_months )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that Equifax investigate XXXX account number XXXX XXXX XXXX XXXX on several occasions in during the year XXXX and XXXX. In the year XXXX alone, Ive made requests XXXX, XXXX and XXXX. Equifax has responded to my letters stating that they have done an investigation each time. I have provided snapshots from my FICO to show that the XXXX has not been updated show the account was investigated and it is being reported inconsistently. In accordance with the Fair Credit Reporting Act XXXX account number XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX Section XXXX A states I have the right to privacy. XXXX XXXX XXXX XXXX XXXX Section XXXX A states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

About XX/XX/2024 I got alerts from XXXX XXXX about 30 day past due notice on mortgage that I am the co borrower in which I was never contacted on by the loan servicing company XXXX XXXX nor was I notified of data breach. Since I have been made aware all payments have been posted. XXXX XXXX did not follow the proper guidelines as established in there delinquency policy, had proper guidelines of notification been done this situation would have not accelerated in regards to payment. Data breach better security systems should be in place and consumer information would not be compromised.
Product: Credit reporting or other personal consumer reports

INACCURATE! 
NOT DUPLICATE SUMBISSION NEW CLAIM
Product: Credit reporting or other personal consumer reports

I have an account reported from XXXX XXXX XXXX on my Experian credit profile ( account # XXXX ) that does not belong to me and cant be verified. I contacted the credit bureau ( Experian ) to remove the inaccurate account theyre reporting that was verified as mine but when I asked what was used to verify it was me I receive a response that a member of their team verified it. The representative also had a strong accent and got extremely rude when I ask him to repeat what he said which made it extremely hard to get clarification. I then requested that I be sent documents showing the how this account was verified. It is now XX/XX/XXXX and I have not received any documents yet. When I contacted XXXX XXXX XXXX XXXXXXXX ) they could only provide an old email that the account was connected with which that account was hacked several times. They couldn't provide documents showing how the account was opened online. This is an old account that I just discovered on my Experican credit profile. I never received information or verification about this account from XXXX XXXX XXXX or Experian. How can account be placed on my file without proper communication, notification or verification? 
Experian BLATANTLY VIOLATES SEVERAL FCRA regulations. XXXX XXXX XXXX account XXXX was charged off, but Experian and XXXX XXXX XXXX continues to report this account as a charge off every month in this manner updating it monthly ( please see XXXX and XX/XX/XXXX on Experian credit report ). Charge off account should not have any updates after it was charged off. This inaccurate information falsely manipulates statute of limitations. Additionally, Experian and XXXX XXXX XXXX has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties. This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and 248.124 ( Reasonable opportunity to opt out ) Furthermore, XXXX XXXX XXXX and Experian has violated my rights under the Privacy Act of XXXX. The Privacy Act of XXXX, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I formally requested for MOHELA/XXXX  # XXXX to remove this fraudulent account wich is not mine and the result of Identity theft, i have provided then with all documentation of th illegality of the same account
Product: Debt collection

XXXX XXXX XXXX, last Thursday left me the following voicemail message, '' And in accordance with federal law we are required to notify you at least 72 hours prior to petitioning for an injunction you or your attorney and have a very brief window to address this matter with our office is directly to provide a final statement for the record and your defense simply hit redial to be connected directly to our offices it would serve your best interest to contact our offices before close of business today or immediately upon receipt of this message please act accordingly ... '' This organization is trying to collect from a checking account that was closed during XXXX, or approximately. The statute of limitations has long passed to be able to collect for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this 12th CFPB Complaint to you today to request once more to remove the disputed accounts that resulted due to identity theft. Despite my multiple attempts to correct my Credit Report, you have been persistent in ignoring my requests. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and information. Someone has stolen my identity and opened these accounts without my knowledge. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in my previous complaints as well as in this Complaint. Please remove the items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of accounts that you should have removed : 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 XXXXXXXX. You have also been failing to send me copies of proof of verification from your supposed investigation and yet I received nothing. I doubt if you ever really conducted any investigation at all. Under the Fair Credit Reporting Act section 605b, I need you to remove the disputed fraud information from my Credit File.
Product: Credit reporting or other personal consumer reports

I am reaching out to file a complaint on XXXX, Equifax and XXXX about an item on my consumer report that, by law, should not be reported. These institutions are currently reporting an item, and I would like to address it. On XX/XX/XXXX, these companies reported a transaction as late. Per 15 USC 1681a, the law states ( 2 ) Exclusions : Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports containing information solely as to transactions or experiences between the consumer and the person making the report. 

This means that my transactions or experiences with your company are excluded by law from my consumer report. I am requesting that this transaction or experience be deleted. By law, it is not required to report late payments and I am asking that XXXX, Equifax and XXXX cite the specific law that requires them to report a transaction as a late payment. 

The only potential law that addresses late payments is **15 U.S. Code 1666b - Timing of Payments : ** ( 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 to ensure that each periodic statement, including the information required by **Section 1637 ( b ) ** of this title, is mailed or delivered to the consumer at least 21 days before the payment due date. 

I am requesting that XXXX, Equifax and XXXX provide the tracking number for the periodic statement that was mailed or delivered 21 days before my payment due date, along with all the information required under Section 1637 ( b ). If they are unable to provide that information, this is a violation per the FCRA. 

Furthermore, I have attached documentation from XXXX XXXX confirming that they have sent a letter to the three bureaus to update the 30 days late payment on XX/XX/XXXX. They did not remove this late payment and update the payment history to reflect paid on time. I have attached the letter as well as an identification affidavit, drivers license, social security card and a utility bill in which all were mailed. 

I am formally requesting the deletion of all transactions marked as late on my consumer reports.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App fail to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to remove these items off my credit report so I can move on with my life. 

Bankruptcy ch XXXXdismissed Ref XXXX ( Experian, XXXX ), Bankruptcy ch XXXXdismissed Ref XXXX ( Experian, XXXX ), Bankruptcy ch XXXX-dismissed Ref XXXX ( Experian ), Bankruptcy ch XXXX-dismissed Ref XXXX ( Experian, XXXX ), Bankruptcy ch? -dismissed Ref XXXX ( Experian , XXXX ), Bankruptcy ch XXXX- dismRef XXXX ( Experian, XXXX ) , Bankruptcy ch XXXX-dism Ref XXXX ( Experian, XXXX ) , Bankruptcy ch XXXXdismissed Ref XXXX ( Experian, XXXX ) , Bankruptcy ch XXXX-dism Ref XXXX ( Experian, XXXX, , XXXX ) , XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX ( experian, XXXX, , XXXX   ) , XXXX XXXX Acct XXXX ( XXXX, , Experian, XXXX   ) , XXXX XXXX ( Experian, XXXX, , XXXX ), XXXX XXXX XXXX ( Ex. XXXX, XXXX ), XXXX/XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have a line of credit with Paypal Credit ( Synchrony Bank ). I had returning an item purchased online, leaving me with a negative balance of {$780.00}, which I requested be sent to my home address as a check. I called Paypal Credit on XX/XX/20 for this check and was told it could take up to 3 weeks to arrive. After not receiving the check, I called back on XX/XX/20 to figure out what was going on. The customer service agent suggested they send out a new check and cancel the first. I agreed and asked that they send it to our XXXX Store box this time to guarantee delivery and avoid any potential theft. They said I needed to wait another 3 weeks for this check, and they refused to expedite it. 

Today is XX/XX/20, and I still do not have my check. When I called back again today, Paypal Credit refused to help resolve the problem in a reasonable manner. Paypal credit refused to expedite another check and kept telling me I need to wait 3 more weeks to get a new check sent. Upon threatening to file formal complaints with federal agencies like this, the account manager from Paypal Credit hung up on me. My Account Activity on Paypal Credit 's website shows them issuing the checks then cancelling the latest one. 

It does not take 3 weeks to print and mail a check, and despite being patient with them this whole time, I still haven't received the check after nearly 2 months. Paypal Credit is trying to get out of returning my money. The chances of 2 consecutive checks just disappearing into thin air is essentially zero. This is clearly a fraudulent tactic to get me to forget about the refund check.
Product: Credit reporting or other personal consumer reports

I have a car loan with XXXX XXXX  # XXXX and they partnered with another company XXXX XXXX XXXX # XXXX and they both show a balance due on all three credit reporting agencies and I have disputed this for months and nothing has changed. This is detrimental to my credit. It is preventing me from getting other loans as it shows that I owe two loans and I only owe On one. 
This is double reported on my credit reports! 
XXXX XXXX XXXX
Product: Credit card or prepaid card

Citi advertises the ability to transfer XXXX  Points to airline partners such as XXXX XXXX. When I have attempted to use this feature for the last 5 days, it fails with an unhelpful error message : " When we tried to complete your Points Transfer, we encountered a system error. Please try again or contact Customer Service for help. '' I have attempted to transfer points from Citi to other transfer partners, but none of them have been successful. 

I have contacted Citi Customer Service more than 10 times about this error both via different customer service lines and their online chat. Citi has not explained or fixed the problem, instead stating that the issue must be the transfer partner, though I have called the transfer partners to confirm all is acceptable on their end. I know that other Citi customers are able to use this feature. I request that Citi 's senior management investigate and repair my individual account and notify me, in writing, when I can make a transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau Transunion and XXXX is falsely reporting a bankruptcy and saying the bankruptcy court gave them information when clearly the courts dont give information for anyone bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

Would like these items removed from my Equifax credit report
Product: Credit reporting or other personal consumer reports

We hired Lexington law back around XXXX and they never helped fix anything and charged us XXXX $ a month to do nithing
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS IS NOT MINE AND THESE ACCOUNTS HAVE A INFORMATION INCORRECT 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 I DONT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns with Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my account adequately, instead they closed off my account without reason and or explanation.