23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX JXXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX L XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX CT XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FACTUAL DATA XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX L XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX CT XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} I.C. SYSTEM, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$180.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

In XX/XX/year>, I applied to extend my credit they denied me so I emailed the XXXX  and told him that he couldn't deny me credit because of 15 U.S. Code 1666d - Treatment of credit balances and told them to send me a refund for every payment or extend my credit opened credit because when I give my XXXX whatever I spend is already prepaid because they trade that application on the secondary market thousands of times. so he responded and said someone would get back to me and the XXXX XXXX sent me an email like a week later and said she was looking into it. meanwhile I tried to use my credit card and all purchases declined. So I also sent my coupon with proper endorsement to JPMorgan Chase Bank XXXX XXXX receive interest payments on my securities with Chase Credit Card and they haven't credited my account because yesterday I received a call from Chase asking for a my payment and I told them I sent it to the indenture Trustee to start receiving interest payments and they knew nothing about it. 

the only documentation I have is the instruction letter to the indenture Trustee.
Product: Credit reporting

Contacted XXXX regarding a medical collection in the amount of {$1900.00}. I was told they have no contact information on the creditor, yet they ordered me to pay the posted amount. I do not owe this amount and was covered by insurance policies during this period. Need help removing this off my credit report.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my DPT ED/AIDV - XXXX, DPT ED/AIDV XXXX XXXX, DPT ED/AIDV - XXXX XXXX DPT ED/AIDV - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Student loan

I have been dealing with Navient for years. I have made complaints regarding how their payments are applied. I've made complaints regarding the school that I attended, that my account was paid in full due to their mishandling of payments and most recently an application for loan discharge due to misconduct of my school and why some people are getting a refund from the school misconduct application and others are not. The answer I got was that it was confidential and proprietary to navient. My school was XXXX XXXXXXXX XXXX, which was owned by XXXX XXXX XXXX when I attended in XXXX - XXXX. There are no less than XXXX lawsuits against XXXX XXXX One of the lawsuits, the only reason I didn't qualify was because I was a good creditor and had been paying on my loan and was not XXXX months delinquent as required by the settlement. Recently I submitted a complained to CFPB regarding Navient and XXXX. Navient subsequently sent me an application for discharge due to school misconduct. I had been told by previous supervisors that my loan did not qualify. No one could tell me why it didn't qualify but that it just didn't qualify. Additionally, depending on which department you spoke to, nobody seemed to know anything about this application. I submitted my evidence and application on XX/XX/XXXX. Today, XX/XX/XXXX I received a letter dated XX/XX/XXXX that my application for discharge was approved. In the notice I was told that the remaining balance was being waived and that it would be removed from my credit report. However, there has been significant damage done to my credit score because I stopped paying on the loan 14 months ago. Other people that have submitted the same application have received refunds of monies paid to navient for their for profit misconduct school. When I inquired why I was not getting a refund, I was informed " Navient considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and when refunds will be issued. That analysis is confidential and proprietary to Navient. '' I find this to be absurd. How can they determine that one person is eligible and another is not for the exact same infractions. I am hereby demanding a refund of everything I paid to Navient since the loans inception. Navients process is bais and discriminates borrows that have been wronged.
Product: Credit reporting, credit repair services, or other personal consumer reports

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! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit card

Citibank closed credit card ( XXXX ) and transferred the card information to credit card ( XXXX - {$8500.00} ) WITH THE EXCEPTION of the credit card limit ( {$12000.00} ) ; and DID N'T NOTIFY me UNTIL after they had completed the transaction. So Citibank credit card ( XXXX ) should have a credit card limit of {$20000.00} instead of the stated {$8500.00}. 

I value my FICO score and do n't want to see the above present reduced credit limit on card ( XXXX ) subsequently reduce my FICO score which in the past I have watched very carefully. In the past I have had home mortgages and car loans at the very low interest rates possible ; and I do n't want to see that ruined by Citibank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX acting on behalf of XXXX XXXX reported a XXXX dollar debt to XXXX I had already resolved a debt with XXXX XXXX XXXX  that was collection on XXXX XXXX XXXX  behalf a month or two earlier and so I disputed the charge. XXXX reported that the debt was valid so I called XXXX and settled the debt again and paid XXXX on XX/XX/2023. XXXX then reported the debt to Experian on XX/XX/2023 I Disputed the debt with Expirian and they did not provide a clear response to the dispute. I contacted XXXX  and the confirmed the debt was resolved I took the opportunity to tell them that they never sent me letter reporting the resolution of the debt which I requested at the time of resolution since XXXX seemed to be pulling a fast one me and I felt I needed documentation. XXXX reported that the sent me an email and would send another. they also indicated that the were allowed 45 days for updating debt reports I challenged them that they in fact created a new report after having resolved the debt and they maintained they had 45 days to resolve the situation I have since been pre approved for a mortgage and nearly failed to get approval from another mortgage company due to the Experian report I reported again to Experian and XXXX the error XXXX  finally sent me my email conformation but it was dated XX/XX/XXXX as if I had just resolved the debt. At this point I feel XXXX is being purposefully duplicitous and Experian is being willfully ignorant or unacceptably incompetent and disputing credit reports i have suffered harm in the form of lack of access to preferred credit and even the threat of denial of credit I would like to have this harm addressed and sanctioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

XXXXXXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Complaint against Aqua Finance for Unfair Practices Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Aqua Finance regarding unfair practices that have significantly impacted my credit score and caused undue stress and inconvenience. 

On the week of XX/XX/year>, I discovered that my credit score had plummeted by XXXX points due to a reported late payment. Upon investigating the matter, I found that this late payment was attributed to Aqua Finance, the company financing my water filtration and purification system. Concerned and eager to resolve the issue promptly, I contacted Aqua Finance at approximately XXXX XXXX local time, only to be informed that their systems were still updating. 

Subsequently, I made several follow-up calls to Aqua Finance in an attempt to rectify the situation and seek a resolution. My confusion stemmed from the fact that my account was set up for automatic payments for a fixed amount. Despite my account being in good standing, Aqua Finance claimed that it was stipulated in the contract that I had to proactively call to adjust the payment amount after a promotional period.

Despite reviewing the contract thoroughly and contacting Aqua Finance multiple times to clarify their stance, their representatives remained adamant that I was solely responsible for ensuring the payment amount was increased. This stance was in stark contrast to other companies ' practices, such as insurance and cable providers, who routinely adjust automatic payments without requiring customer intervention. 

Moreover, Aqua Finance 's refusal to provide detailed explanations or leave comprehensive voicemails regarding the nature of the calls further exacerbated the situation. Despite my attempts to demonstrate goodwill by making a payment to bring the account up to date and increasing the payment amount, Aqua Finance displayed a lack of support and empathy throughout the process. 

Their dismissive attitude and failure to address my concerns demonstrate a clear disregard for customer satisfaction and contradicts their purported commitment to fairness, transparency, and customer support, as advertised on their website. 

In light of these events, I urge the Consumer Financial Protection Bureau to investigate Aqua Finance 's practices thoroughly and take appropriate action to ensure that consumers are protected from such unjust treatment in the future. 

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

On XX/XX/XXXX, I spoke with personnel from XXXX, Equifax, and XXXX about the risk of phony accounts being established using my customer data. Since I didn't know how they got there, I begged everyone to erase these accounts. I received guidance from all three businesses on how to keep track of things and complete an FTC form. I delivered my information by standard mail on XX/XX/XXXX. Even after I had submitted my letters more than 30 days earlier since they had been " confirmed, '' the accounts that weren't mine were still shown in my documentation. I'm bothered and annoyed by this circumstance since it prevents my family and I from being able to purchase a home. On XX/XX/XXXX, I got in touch with the three companies once more to ask how they could demonstrate that these accounts belonged to me. Since they said there wasn't much more they could do to help me, they advised me to talk with the debt collectors directly. Every bank that the client contacted at that same moment and came to me had been dialed improperly ; they had no clue who I was or what the accounts related to. Online investigation was done to make sure I wasn't incorrect. My friends told me to go to the CFPB website. I really hope this works since my family and I need the house we're trying to buy.
Product: Student loan

I am a student who originally acquire student loans through XXXX. My loans were switched to private loans through ( Navient. XXXX PA XXXX ) without my notice or consent in XXXX - XXXX. Original loan amount 0f XXXX. Within a three year span, while being continuously enrolled in XXXX at XXXX University, I have been charged excessive interest of over XXXX. I received over 100000.00 of excessive interest in one year. New loan balance is well over XXXX. 
I have been charged excessive interest, and my loans have all been switched to private loans without notification or consent. Please contact me at the following address : XXXX FLORIDA XXXX XXXX
Product: Student loan

Student Loan Dispute My personal information was compromised without my authorization. The Department of Education unlawfully shared financial aid datasets with the XXXX XXXX XXXX XXXX, or XXXX, that include students names, Social Security numbers, dates of birth, contact information, demographic information and bank account information. Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by TransUnion inquiry error, in which a slew of inquiries were once removed then place back without proper notice. 

I consented to none of the inquiries listed below and believe them to be of error. 

Ive called TransUnion multiple times, and spoke with multiple agents. My problem still persists, and I have yet to be updated in over 30 days. I have also written multiple dispute letters and submitted them to each of the three major credit bureaus. 

The list of inquiries that should be removed from my credit report immediately are as follows : TransUnion : 1 ) XXXX  XXXX XX/XX/XXXX Creditor Contact Details XXXX  XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX 2 ) XXXX  XX/XX/XXXX Creditor Contact Details XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX ( XXXX ) XXXX 3 ) XXXX  XXXX XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ( XXXX ) XXXX 4 ) XXXX XX/XX/XXXX Creditor Contact Details XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ( XXXX ) XXXX 5 ) XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ) XXXX  XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 7 ) XXXX  XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 8 ) XXXX XXXX  XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXXXXXX XXXX : 1 ) XXXX XXXX XXXX XXXX 
XX/XX/XXXX Creditor Contact Details N/A 2 ) XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 3 ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 4 ) XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 5 ) XXXX XXXX XXXX ... 
XX/XX/XXXX Creditor Contact Details N/A 6 ) US SM BUS ADMIN ODA XX/XX/XXXX Creditor Contact Details N/A 7 ) US SM BUS ADMIN ODA XX/XX/XXXX Creditor Contact Details N/A XXXX  : 1 ) XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 2 ) XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 3 ) XXXX XX/XX/XXXX Creditor Contact Details N/A
Product: Credit reporting, credit repair services, or other personal consumer reports

this account is in the amount of {$2200.00} it was first listed on my credit with XXXX then sold to XXXX XXXX I turned in all the necessary paperwork proving that is was fraud it was removed from my credit then 30 days later it was back on my credit report with XXXX   XXXX  I have called them several times and all I have got is a answering, machine
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report/ Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 USC S 1681 which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 USC 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I received a copy of my consumer report. I ran across some inaccurate information on my consumer report and would love for it to be removed from my consumer report ASAP.
Product: Money transfer, virtual currency, or money service

Hello, So my venmo account got frozen and then they un froze it for only 1 or 2 days, I sent a XXXX dollar payment to my sister, and then they approved a bunch of disputes I started as soon as they got approved my account got frozen again and now im unable to access XXXX dollars which is a huge amount of money to me and i have a XXXX coming up and need this money to cover my bills while im out of work for 2 months, they said they closed it due to a dispute i had against me and my account when i made them aware i was not the one that accepted that money in the first place so they went and deactivated my account and said in an email i might not even get my money back, is it my fault someone decided they wanted their money back because they needed cash in their pockets as they probably spent their rent money on something else and needed to make up for it, venmo approved a number of disputes before this and said nothing to me even though i chatted with them and emailed them saying dont appove them these people are obviously scamming me, example one guy sent 3 payments and wants to dispute all 3 saying he didn't mean to send them, ok how do you not mean to send 3 payments and of course venmo took that money right out of my account, with all their approved disputes im out over XXXX dollars at the moment and yes these are all friends who did this and in venmo terms and service it says for friends and families only so i stuck with the terms of services i believe im being treated unfairly in this situation and would like my XXXX dollars to be released immediately so i can move on from this situation and be able to pay my bills while im out of work., Thank you sincerely, XXXX XXXX XXXX XXXX XXXX