23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Horrible credit practices with both Experian and XXXX XXXX. Non stop emails received daily claiming Open this new credit card to increase your score. My score was XXXX XX/XX/2023. I paid off a house mortgage, paid off student loans, paid off vehicles and my credit score is XXXX points lower. No late or missing payments in the past year. Any current cards are below 25 % utilization.
Product: Student loan

I heard about the law suit and wanted to thank you so much for doing this! I 've been so frustrated with Navient that I almost did n't believe it when I heard they will be finally held accountable for such unfair business practices! Here is my quick background : I graduated from XXXX school in XXXX XXXX with about XXXX $ in government- owned loans. In XXXX XXXX I was finally able to get hired as a XXXX for a XXXX XXXX XXXX company in Missouri. I have n't consolidated my loans yet and the interest rates varies between 5.6 % to 7.9 %. I 'm enrolled in income based repayment and owe about XXXX $! 

Here are my complaints : 1. The 0.25 % interest rate reduction ( offered to those who sign up for automatic deduction from checking account ) I lost due to missing XXXX payment should be reinstated! I was punished very expensively for not having sufficient funds one time only right from the beginig! Due to confussion, not clear communication and obtaining different answers depending on who was answering the phone, I never knew my exact due date. I was told by different Navient customer service representatives that I had many due dates because I had XXXX loans at that time and each of them had different disbursement dates, so some of them were due in XXXX XXXX, others in XXXX and others in XXXX XXXX. 
I called and tried to explain- but they said the interest rate deduction it 's not a right, but a benefit they provide by using Navient and not other company. 

2. I make XXXX $ / month after taxes. Navient wants me to pay XXXX $ a month as part of the income based repayment plan!!! At this rate, I would be debt free in my XXXX? I called so many times and asked them to please increase my monthly payment to about XXXX $ so that way the money gets distributed over all my XXXX loans including principal not just interest. Of course, I pay extra myself every month but my XXXX, how careless of them to just let people pay the bare minimum necesary and get stuck paying loans for the the rest of our lives. I also need to save for a downpayment on a home. I really hope I 'll be able to get a second loan for my first home. 

3. Navient please let students now that, if they are military spouses, and the XXXX XXXX spouse cosigns for loans, all those loans ' interest rate will be capped to about 6 % or lower. I realy wish I knew this. I could have saved so much now. I just borrowed without a cosigner. 

Thank you so much for reading this! Good luck and may XXXX prevail!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
1. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

11. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days.

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 
Validate inaccurate reporting late payments. Please remove inaccurate reported late payments. Update to paid as agreed.
Product: Credit card or prepaid card

This bank lied to me when I called to report my credit card as lost stolen they said they tagged the charges as fraud and that Im not liable then a month later I get a letter of the claim being denied saying chip was entered I called them they said they filed the wrong Claim as nkt fraud so it was rebilled back to me they said they would fix this they never did I called the back BEVAUSE I got a statement showing a balance of {$850.00} when I had received my ne card and hadnt used it they never took care of the fraud charges and are billing me they said they would fix this mess and adjust my account its not fair they say we arent liable for fraud charges we dont authorize and then they submit the wrong Dispute and admit to me they made a mistake but they wont correct their mistake and I am being billed by their system reversing the adjustments they gave to me this is not fair
Product: Credit reporting or other personal consumer reports

As per 15 USC 1681, consumer reporting agencies must comply with certain guidelines to ensure the accuracy, fairness, and privacy of consumer information. It is my understanding that without my explicit written consent, the agency should not have disclosed any of my personal data or obtained any credit information about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Parties involved is my Capital One Bank Card- Account Number ending in XXXX which closed back on XX/XX/XXXX but I still have a owing balance of {$390.00}, The problem is 1. XXXX  has my closing date recorded incorrectly showing XX/XX/XXXX, but it should be XX/XX/XXXX. { Can you please have them correct. } 2. XXXX  is not reporting this account at all on my credit report. 
3. XXXX is not recording this account at all on my credit report.
Product: Checking or savings account

I have had an issue with zions bank i know i had the reported charges that werent mine that were reported and i had spoken to a banker about that on the phone and at the branch i do want to express my appology for reporting those charges to you guys that was totally uncalled for i have a major XXXX and it was totally uncalled for. There has been issues with regular banks versus credit unions regarding fees and all sorts of stuff i just want to appologize for that fiasco and apologize to the president and co-founder of zions bank for the issues that i have caused. I just wanted to have my own account and they chose not to have me as a customer my old account number was XXXX and im deeply sorry for all this chaos that was caused i just would like to be compensated for the issues i dealt with zionsbank i just want to see if zions bank would be willing to compensate any sort of money and help me out here i think they handled it very horribly i know i made a huge and honest mistake and im just trying to get this resolved with a relief and monetary compensation for kicking me off their banking system and being rude to a XXXX man but i do want to say im sorry for the charges that were reported as fraud that was a mistake but ill learn from this one. I even asked if i could get my own account and they denied me but its all good just really sucks seeing if you would be able to compensate me at all thanks
Product: Checking or savings account

I got a text message from the number XXXX claiming to be Truist : asking me to verify a {$68.00} charge from XXXX in ID. I do not have a Truist account and I live on the XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, these incorrect addresses remain listed : These incorrect addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a CD online with Citi on XX/XX/XXXX for {$5000.00}. When I tried accessing my account online which I created during CD registration/application, it has error. It's now XX/XX/XXXX. I've called Citi customer service at least 5 times on different days and they keep saying different things. I also don't know my account number because they wouldn't mail me a letter containing it until after a month.
Product: Credit reporting or other personal consumer reports

I applied for an auto loan at a car dealership. My credit report is showing their hard credit checks as XXXX separate pulls when they should combine into XXXX because they were made in a 14 day window.
Product: Credit reporting or other personal consumer reports

I contacted XXXX to remove these hard inquires from my credit file and XXXX refuse to remove it from my file. I did not authorize these hard inquires on my report and i explain this to XXXX as well as provided a police report. there are also accounts on my file that i do not recognize that i have asked to have removed from all three of my credit files. The inquires and accounts still remain on my credit file. Here are the inquires as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX, XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit 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  Personal Information to Correct : - **Incorrect Date of Birth : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 list inquiries you would like removed ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  : Inquiry DateXXXX XXXX XXXX XXXX : Date-XXXX I applied for the wrong loans on accident.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft! There are several inaccurate accounts and inquiries on my 3 credit reports
Product: Checking or savings account

I opened the account on XXXX. I contacted company on XXXX and was unable to track information on account, then spoke to manager who gave another number who could help with online accounts. I was given phone number XXXX to get more info on a weekday. I spoke to someone today who told me the account was closed due to negative balance. I've never withdrawn anything from the account, but they advertise XXXX XXXX  as No monthly maintenance charge and No monthly minimum balance requirement. I was never contacted on any changes, and all contact information is up to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XXXX XXXX, 2017 Report # XXXX Right Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are not or ever was my address I have listed the right one
Product: Mortgage

Refinanced mortgage with XXXX XXXX XXXX during the process I was instructed not to make XX/XX/2021 payment because I would close in XXXX with new mortgage. Titling agency submitted the payoff past the cut off resulting in a 30 day past due with shellpoint/new rez that was completely out of our control. Received a 30 day late letter from XXXX  agency stating it was not our fault to submit to shellpoint/new rez have now been on almost 3 weeks of constant back and forth with them on getting the letter of deletion for the 30 day past due to get my credit fixed. Never can get a straight answer out of anyone there and keep getting a back and forth yes and no about the letter of deletion.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX 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

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment to be updated.

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

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

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

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


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


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

Purchase vehicle on XX/XX/XXXX from XXXX. I put {$2000.00} dollars down on a XXXX XXXX XXXX. My first payment was on XX/XX/XXXX. I explained I was not able to get in the portal because they had my information wrong. on XX/XX/XXXX i received a phone call stating that I had to make a payment or they were picking up the vehicle. I explained my check was mailed and have not received my paycheck. I told them i was going to try and borrow the cash but may not be able too. on XX/XX/XXXX I received my check in the mail. I did not have time to cash it and make a payment. on XX/XX/XXXX approximately XXXX they came to my place of employment and repossessed the vehicle. They stated they will close the loan and i am not able to get the car back. This car reported on my credit on XX/XX/XXXX. The account was closed on XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Facts : I applied online for a PERSONAL LOAN of {$10000.00} XX/XX/XXXX. 

Facts : I received an ADVERSE ACTION LETTER ON XX/XX/XXXX saying I was denied {$10000.00} credit. 

Facts : I looked into my credit report to discover that SOFI BANK, XXXX. had an INQUIRY request funds from my application from the Federal Reserve. 

I, XXXX XXXX XXXX. a natural person applied for extension of my own credit to SOFI BANK, XXXX I was denied an extension of my own credit Adverse actions against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in the 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1691k You are subject to criminal liability for violating 15 U.S.C. 1691 as I have proof that I was discriminated against by SOFI BANK, N.A. due to the response I received.

SOFI BANK, N.A. is in violation of 15 U.S. Code 1642, U.S.C. 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) or Social Security XXXX XXXX XXXX was used but did not receive equal consideration. I looked at my Credit Report when I notice that SOFI BANK, N.A. had cashed in the my application with one of the Federal Reserve Banks but did not give me the {$10000.00} PERSONAL LOAN I requested. I know that this is true because I received INQUIRY NOTE SOFI BANK, N.A.. Again, I received NO benefit this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of SOFI BANK , N.A .

If SOFI BANK, N.A. fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, please demand SOFI BANK, N.A. to send a notice of dishonor accompanied with any applicable law, code, policy or provision that states you and your agency have no capacity to deny credit to the applicant or I will indeed make SOFI BANK, N.A. criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and USC 1681o.

Facts : I have sent SOFI BANK, N.A. a Non-Negotiable Adverse Action of Credit letter to open up the communication to solve this matter on XX/XX/XXXX via email to XXXXXXXX XXXX XXXX XXXX BANK, N.A. and Certified letter with return receipt, with was received on XX/XX/XXXX Facts : I am sent the second email Non- Negotiable Notice of Adverse Action Opportunity to Cure to SOFI BANK , N.A XXXX on XX/XX/XXXX and will Certified mail the Second letter today XX/XX/XXXX. 

I hope that we can resolve the matter as soon as possible. Thank you for your time. 

XXXX XXXX