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

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately!
Product: Debt collection

Ive reached out to Wakefield and associates to resolve and terminate this issue. Also asked to get the original information and signatures. I have not received any paperwork or information from them.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of several accounts on my credit report under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681c-2 ) due to the widespread cybersecurity breaches affecting the U.S. government and other organizations. As a verified victim of XXXXXXXX XXXX a private citizen and various unconfirmed members of the XXXX XXXX XXXX XXXXXXXX breach of the Department of Education, According to public reporting XXXX XXXX XXXX XXXXXXXX ), a handful of XXXX engineers linked to XXXX  companies, with unclear titles, could be bypassing regular security protocols during XXXX infiltration of federal agencies. I am disputing the following accounts as inaccurate, unverifiable, or potentially fraudulent : DEPT OF EDXXXX XXXXXXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXXXXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXX XXXX' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/AXXXX XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXXXXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i ''
Product: Credit card or prepaid card

Claim Number : XXXX File Date : XX/XX/2022 Claim Type : Trip Cancellation/Interruption I put in vast quantities of information to recover {$5300.00} from my credit card company due to a trip cancellation that I had in XXXX. The flight to XXXX was cancelled due to strikes in XXXX for me & my husband. Due to airport delays & weather, we could not get on a new flight to XXXX in time for vacation. Due to this, I needed to cancel our flight home from XXXX back to XXXX. My return ticket from XXXX was nonrefundable as was my hotel. My card company specifically states that they will reimburse me in these types of matters, but after XXXX weeks of talking to multiple claim agents, I only get a refund for {$510.00}.
Product: Student loan

I have tried on Numerous Occasions to Contact the new XXXXXXXX XXXX  Co that took over my account from Prior Handler XXXX. Now Called " aidVantage ''. I can not get ahold of Anyone since my 1st call when I was on the phone for 2hrs and the customer Service rep informed me she could not help me until the last name was put in the system Properly ( My Last Name was spelled incorrectly. Spelling is XXXX they have it under XXXX. The Rep could not fix it while I was on hold waiting back and forth over 8 different times. While on hold again the call was Disconnected. Unfortunately, I have not been able to reach anyone to help.
Product: Credit card or prepaid card

they wont let me pay it off it was a bill that when i tryed to pay it they just added it to the bill it started 250.00 i payed it off when it went to 0 $ it went right back up then it kept on addking. i want the account closed and 200.00 for my time troubles. if this doesnt work ill take them to court thats my next move. thank you for your time its a capital one account all my cards were stolen the last 4 numbers on this card is all i can remember XXXX, they wont even let me in my account.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX bankruptcy discharged reference number XXXX in accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 a states i have the right to privacy. 15 usc 1681 section 604 a section 2 it also state 's a consumer reporting agency can not furnish a account without my written instructions
Product: Payday loan

I signed the loan agreement with disclosed rate. What I did not understand is the way fees were calculated the day after you make a payment the new finance charge is front loaded on to the balance. If I paid according the the schedule I would pay approximately {$5000.00} for a {$1000.00} loan
Product: Student loan

My student loan was paid off XX/XX/2019 to an agreed amount negotiated between my lawyer and XXXX XXXX XXXX, XXXX and a letter of satisfaction was sent to me and my lawyer on XX/XX/2019. However, Ascendium is still attempting to collect for the same debt. After repeated attempts by my lawyer, Ascendium has not provided us with the requested documentation and has even stopped replying to our letters and emails. They also have filed to intercept my tax return.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a error of bankruptcy being reported on all three credit reports several times. Lexis Nexis is a third party reporting agency whose giving false information. I NOTIFIED THE BANKRUPTCY COURTS they sent a letter saying the do not report information to the credit bureau. I in returned sent the letter to all three credit bureaus the refused to remove it. I never received another reference number showing a investigation was being filed.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX XXXXXXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can & # XXXX ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Money transfer, virtual currency, or money service

I opened a bank account online on XX/XX/XXXX and I put money on it. 5 days after the account was locked. The bank didn't even notice me of anything. I called BA, a representative told me that I had to go to an agency during the pandemic to show my ID. When I got there a representative told me that my account was actually canceled and they issued me a check with my funds, that I will receive in about 5 business days. It s not what the representative told me on the phone before. I noticed that I also registered '' my new bank account '' to receive the money from the IRS. I said that to the representative at the bank, he really didn't care. He just told me that I could open a new bank account with them and let me understood that otherwise, I could leave right away. As he was impolite and rude, I said no and I left. As a result, all my money was on hold during the pandemic, just when I lost my job. About 6 business days after, the check was not in my mailbox. I called BA, one more time, to talk to a supervisor. I explained to her all the situation, especially that I needed my money asap. She just said '' you should have received it, you have to wait again it is our process ''. The check will be sent back to us in case there was a problem with the post office. She didn't even say sorry neither tried to find any solutions. She was like a robot reading some lines. I noticed, that I mentioned to all the employees that I lost my job during the pandemic, but it didn't matter to them. Today, I have to wait to receive my money, I can't pay my insurance and my rent this month. I don't even know if I will get my money one day It is the worst experience I ever had with a bank in the US. Usually, representatives are professional and try to find solutions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is in violation of multiple laws set forth by Congress in regards to the following account # ( XXXX and XXXX ) reporting to Transunion. 15 U.S. Code 1681b ( 2 ) states In accordance with the written instructions of the consumer to whom it relates. I have never provided written permission for such accounts to be reported on my consumer report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( Transunion ) if the person knows or has reasonable cause to believe that the information is inaccurate. Furthermore, 15 USC 6802 ( b ) ( 1 ) ( B ) states the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I have never received any form of notice to opt-out of my nonpublic personal information to be shared with unaffiliated third parties. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION, AND XXXX FAILED TO INVESTIGATE MY DISPUTE ON THE MULTIPLE inaccuracies on my credit report. They have failed to do their job when it comes to challenging alleged negative items on my credit report. 

They failed to do there job, which is causing severe damage to my character and my life. 

Ive sent them multiples of letters and they failed to do their investigation. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. 

They violated my rights under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation.
Product: Credit reporting or other personal consumer reports

I am no longer an authorized user for this account and I am asking to have account removed from credit reports. XXXX XXXX. I have sent in numerous complaints along with attached documents that I am no longer an authorized user and account is closed however tradeline remains on credit report.
Product: Credit reporting

Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I 've been gravely affected and credit score is affected as a result of it. No notice was ever given and that 's a violation. I am requesting that all inquiries be removed : XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX 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

Regardless of the multiple written requests, the public record listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( EXPERIAN, XXXX, XXXX ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public records below. 

XXXX XXXX XXXX XXXXXXXX Filed Date XX/XX/2012 XXXX )
Product: Debt collection

I'm unaware of this debt, I didn't have an opportunity to dispute this information. I didn't receive proper notification. If in fact you believe you gave me proper notification, please provide certified mail with a receipt my signature on there stating I received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to XXXX, XXXX and Equifax, on XXXX XXXX XXXX XXXX XXXX, urging them all, to not only make sure my personal information is correct and current but also to remove any incorrect or outdated information about me, from my credit report. I have also asked for validation of several accounts that are reporting on my credit report without my consent. The only responses that I have received back ; if any, are that they have not done an investigation because of ridiculous claims that I myself have not been the one disputing the unwanted, incorrect and inaccurate information on my credit report. Please assist me in this matter to get the credit bureaus to obey and follow the laws and clear up these inaccuracies on my credit report immediately. Thank you.
Product: Credit reporting or other personal consumer reports

DEPT ED XXXX {$13000.00} REPORTING INACCURATE. THIS HAS BEEN REMOVED BY THE GOVERNMENT AND OTHER REPORTING AGENCY PAID OFF
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked over my Credit Report and Noticed some Incorrect information on it. 

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. 

Account name : XXXX XXXX XXXX in the amount of {$870.00}, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

these are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

I am writing to address an issue concerning late payments on my credit record. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and there has been no satisfactory validation provided. I kindly seek your assistance in resolving this matter promptly and effectively.
Product: Mortgage

I am trying to change the parcel boundary for my property for which Mr. Cooper now owns the mortgage. This is my saga : XXXX Sent email to Mr. Cooper requesting help changing the parcel description within my title XXXX Called contact center, couldn't get a human. 
XXXX Called contact center multiple times, tried different auto options, couldn't get a human XXXX Messaged coorespondant via website messager- he did not understand what I was requested and couldn't get me a phone number for a human to discuss XXXX Filed complaint on Mr. Cooper website trying to get someone to call me XXXX Finally called the Modifications department and chose options that I needed to modify my loan. FINALLY got a human, but she tried to just get me to email the research team ( the one who didn't get back to me on XXXX ) - She stated they sent me an application on XXXX, however it was not in my email nor was it in my junk. She " re-sent '' it and I finally received today. She said to email it to the Subordination department, but couldn't give me a number for a HUMAN in that department. They only take emails or mail. 

I am a XXXX XXXX XXXX highly educated XXXX. If this is difficult for me, I can't imagine how others feel. How is it that I can not get a HUMAN BEING to discuss my request? In the attempt to decrease overhead, Mr. Cooper has made it almost impossible to get ahold of a real HUMAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX. I do not have any loans or services with any of them. Errors please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have a credit card with XXXX XXXX but they have not been reporting as they should since last year and I am missing a ton of on time payments which would in turn decrease my overall usage and give me a higher credit score.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. While reviewing my records, I noticed several files that do not belong to me. Upon further investigation, I discovered that under Section 605B of the FCRA, you are legally required to remove and delete these items that have been opened as a result of identity theft. The disputed items are not mine. I am attaching the necessary FTC Report, along with the bank 's records, which I learned are required by both parties. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Student loan

The past few months XXXX 2017 through current, I have made formal disputes regarding Navient inaccurately reporting a debt they claim I owe. I am disputing the debt amount. Navient claims that I owe a loan balance of roughly $ 220k, but they ca n't find the consolidation documents that XXXX XXXX sent to them nor the Master Promissory Note to justify the balance. Navient referred me to NSLDS to find loan amount details and to XXXX for the MPN that they should have on file. Well, I do n't trust the info on NSLDS because Navient is reporting this information to NSLDS and the credit bureaus without proper evidential support. Even so, when I look onto NSLDS and perform the calculations it seems as though some loans were be consolidated twice and some loans that were not paid through consolidation are also being included in the total debt amount. When I went over the debt calculations as reported on NSLDS with XXXX XXXX, supervisor of the ombudsman department, and the social media department, the debt they are claiming I owe includes debts that were already consolidated previously through XXXX and XXXX XXXX and debts that were paid off through other methods other than consolidation. The social media representative at Navient noticed this as we were on the phone calculating debt and said she would email XXXX to verify if the loans were paid through consolidation or not. I am positive that XXXX would not have this information because they told me since they transferred it over years ago, they did n't keep any information on file. Yet, Navient continues to report the inaccurate information on my credit file. I have also filed a formal complaint to the US Department of Education in which they just referred it back to Navient to complete and thereafter closed the case after Navient sent an inaccurate spreadsheet that does n't align with NSDLS. US Department of Education did not facilitate an investigation of their own, they merely reassign it back to Navient. Also, when I check XXXX, there was no MPN on file. Ultimately, I feel that Navient is not listening. I am getting nowhere with them. No resolution ... just aggravation. HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

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