23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I had obtained a private student loan from XXXX/Naviant to attend XXXX. 
After attending the classes I had obtained other financing which was paid to the school directly. 
XXXX/Naviant was issued a check directly from the school refunding the proceeds from their loan. The check was cashed by XXXX as you will see from the attached documents showing the deposit stamp on the back of the check. 
XXXX also received a XXXX dollar cash payment which I also have the payment receipt from XXXX as well. They have received this money as well as the payments that they were auto drafting from my account during this time period. 
They have stated the remaining balance is due to service fees and late fees but I have been fighting them for several years on this matter. 
I have reviewed the postings on the internet stating that XX/XX/XXXX and Naviant were guilty of false charges as well as misleading the clients on repayment and late charges etc. 
I have been contacted by numerous collection agencies ( XXXX ) over the past several years and then after I send the documents that i have the collection agency stops contacting me and then XXXX/Naviant just hires another agency and the process starts over. 
The school that I had attended has even been involved I have recently hired XXXX to attempt to get this removed from my credit bureaus. The law firm advised me to file a complaint with you as well to aid in the process with the history your company has with XXXX/Naviant.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has made no less than two requests for ID information, yet after providing the requested information they have yet to respond which puts them far past the 30-day provision as per CRA rule ... Please see their request and my response ... 
Disputed items below : ACCOUNTS XXXX XXXX INQUIRIES XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$9000.00}
Product: Credit reporting or other personal consumer reports

Hello, I am writing to dispute the accuracy of a hard inquiry that appears on my credit report on TransUnion, XXXX and XXXX. I recently reviewed my credit report and found that there is a hard inquiry that I believe to be inaccurate. The details of the inquiry are as follows : XXXX XXXX  ( why would I apply for a home loan 4x in one year? ) XXXX ( sent me a pre-approval and received my credit information through Transunion data breach ) XXXX  ( why would I apply for a home loan 4x in one year? ) XXXX XXXX ( why would I apply for a home loan 4x in one year? ) XXXX ( I did not apply for another credit card ) I did not authorize or initiate this inquiry, and I have no record of applying for credit or a home loan. There is no other legitimate reason for this inquiry to appear on my credit report. Therefore, I request that you investigate the accuracy of this hard inquiry and take appropriate action to remove it from my credit report.
Product: Debt collection

Kings Credit Services was paid in XXXX of this year for an old debt ( originating around 2010 ) earlier this year that was listed on my credit report as a result of a stipulation for qualifying for a loan to purchase a home for my family. In XXXX they served me and my spouse with a summons that they are suing us for additional old debt they found after they received the a check for the original listed debt. This collection agency never contacted us regarding any debt owed to them, nor attempted to collect it. The old debt was discovered by my lender on my credit report. Since paying them the collection agency has since filed a suit against me and my wife to collect additional old debt, ( approx : {$2500.00} in old medical services ), and in XXXX of this year listed the additional old debt from 2010 with credit reporting agencies, resulting in negative affects with our credit score. My question is if California has a statute of limitations on debt collection related to actions a creditor can take, how are they able to sue a time barred debt, and is n't that against the law? Not only that, the documents related to the medical services they sent me do n't match the amounts listed on the court summons for which they are suing me for.
Product: Credit card

Ive had a credit card with American Express for several years, and during that time, Ive consistently charged varying balances to the card and for the most part of this year, Ive always paid them in full each month. In many cases, due to work-related travel expenses, Ive had to make multiple payments in a single month to ensure I had enough available credit for plane tickets and other expenses. On some occasions, I even had to pay more than the credit limit ( {$3500.00} in a month ) just so I can book a plane ticket for work, fully demonstrating my commitment to staying within my credit limit and managing the account responsibly. 

Despite this, American Express recently charged an {$680.00} fee to my card, which caused my card to go over the {$1000.00} credit limit. This fee pushed my account over the limit by roughly {$600.00}, even though I was under the limit before the statement date ( both of which were paid off in full by the statement date ). As a result of this over-limit situation caused by the fee, both XXXX and XXXX Bank reduced my credit limits on multiple cards, directly citing this incident with American Express as the reason. American Express has refused to increase my credit limit despite my excellent payment history and clear demonstration that {$1000.00} is not enough for this card. ( See statement from XXXX demonstrating this ) I have repeatedly requested a manual review of this card and tried to transfer credit from other cards ; however, I get told its algorithmically determined and theres a system error respectively. 

I have also pointed out that I pay tens of thousands of dollars to other Amex cards every month and I have excellent history and Amex refuses to take that into account because XXXX an XXXX on at least XXXX of the cards. 

This situation has seriously negatively impacted my XXXX XXXX and financial standing, and I believe American Express 's actions were unjust and harmful.
Product: Credit card or prepaid card

My son received a new XXXX gift card for his birthday that is not working, we called XXXX and they say they can not help because my son is not registered on the card?
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are fraudulent and out dated. The accounts listed here DO NOT belong to me. It has prevented me from obtaining gainful employment. This is supporting fraud and I demand that they be removed immediately. Fraudulent accounts are as follows : XXXX XXXX XXXX XX/XX/XXXX, {$5600.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX {$5200.00} ; XXXX  XX/XX/XXXX {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a unverified account with XXXX I have never done business with this company. I believe it is a HIPPA Act violation. I would like to know how my personal information was used and accessed without my permission. The reason for my dispute isXXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX is in compliance with OHIO LAW. I  also have report this account to the FTC, and XXXX County Sherif Dept. I need this collection account to be removed from my credit report. XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once  identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Debt collection

I'm XX/XX/XXXX an employee of XXXX XXXX XXXX called and text co -workers ( more than one ) of mine inquiring information about my husband and I for the personal gain of  reposessing the car ( a car loan currently being serviced by XXXX  ). We fell on hard times with one income like many consumers and we were trying to work arrangements with XXXX XXXX XXXX but that does NOT give the right for any employee of a Collection Company /XXXX  to allow employees to contact un-authorized 3rd parties for gain. The Collector at XXXX XXXX XXXX disclosed how far past due our account was, disclosed it was out for Repo and she was actively looking for it to reposess it because " that's what I do now Repo Only ''. She discussed a private conversation my husband had with a Supervisor at XXXX when he called to make a compalint aboutbthe matter that occured on XX/XX/XXXX. This Collector was bosting as if she was proud. As if tbis was " normal repo practice for Collectors at XXXX ". She asked where I worked, if my Car was parked outside ( referring to.my place of employment ), she asked what my husband and I drive. We immediately advised XXXX of this as soon as it occurred on XX/XX/XXXX. They have not offered anything to help us with the humiliation, pain and suffering this has caused our entire family. Instead we were told by there legal.counsel that our account WILL go back on the dialer as of XX/XX/XXXX.  This is unfair and against our rights as consumers.
Product: Money transfer, virtual currency, or money service

I sent a wire transfer to a bank of america that I did not know was fraud and when I submitted police report Bank of American didn't do anything to protect me or reimburse me or help me in any way
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c2 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 as soon as possible!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX I intend the dispute this account : XXXX : {$3700.00} Account # : XXXX I reached out XXXX XXXX XXXX College as well as the conserve collection institution for sending an invoice for {$3700.00} several months after dropping the college courses. I did not receive the college education and dropped the courses. 
No invoice or payment notification was mailed to my address Prior to sending to collections. 
If the above accounts can not be verified, they must be removed immediately according FCRA section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company. 
Please validate that this debt belongs to me, and please also show me the original contract agreement. I would also like to know the verification methods on the possible account as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I've sent my dispute letters to the 3 Major Credit Bureaus but haven't received any notification nor details from their investigation. To this day, over 30 days later, I feel like I'm being ignored of my disputes.
Product: Credit card

I work full amount of hours so I could pay this amount of {$4300.00} because they where charging alot of intrest and when I pay it off I thought I will never see a charger now they try to charge me another XXXX dllrs I dint log in again to my account since thinking I pay it off already later on I receive an email showing g that my credit score have decrease for a late payment I was like from where I thought I have everything pay on time I check with XXXX XXXX and finally found it was synchrony network that they send me another bill of 23 dllrs don't know from where but I mean I just pay them almost {$4500.00} dllrs why they send me a 23 dllrs bill don't get it now they mess up my credit it not fair you work hard to pay something and later on you are mess up for any reason at least I pay them not like of alot of people they don't even care paying their debts
Product: Consumer Loan

Recently my payments on my personal loan with Lendmark Financial has went into default. I still try to make at least one payment until I can get caught up on all payments. Recently I wrote Lendmark a letter asking them to stop contacting me by phone and to contact me by mail because the phone were 3 to 4 times a day every day after that I was served with XXXX Court Papers so now they are claiming no payments have been paid and they want the payoff balance. The only notification I received about this action was letter in the mail from the Court. Lendmark only sent me the next month statement and a letter to defer my account.
Product: Payday loan, title loan, personal loan, or advance loan

am writing to formally file a complaint against Upgrade Inc as I believe they have wrongfully charged off my loan despite my consistent and on-time payments. Their actions have negatively impacted my financial standing and credit history, and I seek your intervention in this matter. 

I took out a loan with Upgrade Inc and have always made my payments on time. In XX/XX/year>2024, I was approved for a three-month hardship payment plan, which I completed as agreed. Once the hardship period ended, I resumed my regular payments. However, when I attempted to make a payment online, I was shocked to see that my loan had been charged off and sold to another collection agency. 
When I was trying to make my regular payment on XXXX XXXX 2024 I strongly believe this is unfair and unlawful, as a loan can not be charged off while payments are being made. This action has caused unnecessary harm to my credit report and financial situation. I have contacted Upgrade multiple times and all the three credit bureau XXXX, XXXX and XXXX, but they have failed to resolve the issue.
Product: Credit reporting or other personal consumer reports

This is an account that I got delinquent on in XXXX XXXX The account was closed and the balance paid off. At this current moment I dont have any credit and most of the credit that I owed I paid off only to discover these paid accounts are hinder me from overcoming my current situation I am deal with for over 2 years homelessness with a XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am against this algorithm XXXX XXXX. The scoring system does drastic things from XXXX day to the next, even though a person 's situation has improved it can wreck havoc across your credit report in a negative way. For example when the system on credit karma was implemented from XXXX to XXXX, my XXXX XXXX dropped XXXX pts immediately without any explanation, and more recently this is my same complaint. I had a XXXX XXXX XXXX across XXXX bureaus, Transunion and XXXX, for over 8 months straight without change. I opened a chime checking acct and my score increased XXXX pts I opened a chime credit builder acct, and it climbed another XXXX pts. I thought this is great, I am finally on track to improving my score, also I connected that credit builder acct to XXXX XXXX to get added benefits. I then opted out, and sent in a police report to clear off XXXX of the debts listed. So in less than 60 days, I opened a checking acct, credit builder acct-paid off some bills, removed XXXX debt off the report, and opted out. All of these things were recommended by XXXX XXXX, I was awarded a higher score for about 13 days, and I was happy to be clearing these things up. XX/XX/XXXX I wake up to an email from XXXX XXXX saying that my credit score changed, my score had plummeted XXXX pts. across both bureaus and there was absolutely no reason for it. No negative changes can be seen on either end, mine, or the TransUnion computers. They gave me some excuse about it being an algorithm out of their control and stated it doesn't matter what I do to try to increase my score, because it's all based on an algorithm. This algorithm is ruining my life and no one can tell me why or stop it. I also reached out to XXXX without any response. I have escalated this with TransUnion, but I feel this is beyond their control, they are subject to this algorithm as well. I need help, this has to be affecting more people than just me. If a person CAN NOT affect change regarding their own credit score, then it seems like a trap that one can not remove themselves from. I'm like a rat in a trap who keeps struggling to get out but no matter what I do it's ineffective. I should be made available all of the information they are using to make determinations regarding my score which severely affects my life and the ability to live in society as others do, it is my information after all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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: Checking or savings account

Hi, I opened my checking account at XXXX XXXX branch with XXXX XXXX XXXX in XX/XX/2023, now im trying to access to my online banking and the system said that my accout is " on hold '', call customer service. 
I called customer service and they dindt help, I was requested to go to a branch, something is impossible because Im in XXXX right now. 
Also I never get my debit card and pin on my mailling address which is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$19000.00}
Product: Vehicle loan or lease

I was never provided given a repossession warning letter, nor a ( redemption notice ) which is required to be provided to me by law. My vehicle was sold in an auction within 7 days from being taken. 

GM financial continues to report false and or inaccurate information to XXXX, XXXX and XXXX XXXX credit bureaus. 

XXXX shows {$28000.00} as the original loan balance and {$29000.00} written off amount with a balance owed of {$9800.00}. Payments that I made while the vehicle was in my possession is not even listed or deducted from the original balance at all. The information being reported to the credit bureaus is false and inaccurate therefore its illegal and a direct violation of my rights. 

Please remove this inaccurate account off my credit report and I will like to be compensated for being violated by GM Financial.