23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have several issues with Navient, my private student loan servicer. For months following XXXX, I was only able to get part time work. Navient still wanted me to pay over {$200.00} a month. Now that I have a great job as XXXX, I still have a high debt to income ratio. I tried explaining this to Navient and gave them all of my financial information. They proceeded to yell at me/talk over me and insisted I made more than enough money. They threatened me with litigation, so I foolishly set up an automatic payment in the amount of {$200.00} for XXXX/XXXX/15. Unauthorized by me, they stole {$150.00} from my bank account on XXXX. I called and they said they would just take {$50.00} out on XXXX for a total of {$200.00}. They did take {$50.00}, but they also took another {$200.00} out on XXXX. So they never cancelled this as agreed. I call about this and they say they have no record of this and that it was cancelled. Do they not keep proper accounts? They then told me to upload bank statements to them. I did this-the statements are in pdf format so they should have had no problem viewing them. They told me the docs are blank and I need to try again. So I upload them again. I call and they tell me they are still blank. What is going on here?!? I feel completely scammed. When I asked them for the millionth time why they took {$150.00} out unauthorized to begin with, the rep just hung up on me. This is not okay. Something needs to be done about this fraudulent company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX ... I received a reply from TransUnion regarding the dispute of inaccurate and unverifiable information contained in the public records section of my credit report. TransUnion says the information is verified as accurate. But you 'll find that the reported PHONE NUMBER on the credit report is inaccurate. There are also other inaccuracies that appear on the fully detailed credit files about this public record. 
The Fair Credit Reporting Act ( FCRA ) states that ONLY 100 % accurate, 100 % complete and 100 % verifiable information can be reported. 

However, TransUnion has continued to violate the Fair Credit Reporting Act by reporting inaccurate and unverifiable information in my credit report ... as well as also neglecting to show that the contested information is " currently being investigated '' or as " consumer disputes ''. And this is a very important right that they have blatantly violated EVERY TIME that I 've disputed this information, because they never make that notation & also continue scoring this inaccurate information against me while it 's being investigated ( which is a laughable fraud in and of itself ). TransUnion thumbs its nose at federal laws! 

Additionally, TransUnion has NEVER verified the public records information DIRECTLY with the US Bankruptcy Court. If they had, they would 've discovered that much of what they 're reporting is inaccurate and incomplete. 

I have a right to ONLY have this information verified DIRECTLY with the original creditor ... which is the US Bankruptcy Court. 

I have also attached a letter from the US Bankruptcy Clerk that states that THEY THINK that credit agencies get their information from a 3rd party service such as PACER or other agencies like XXXX. 

This is not reliable, and is prone to errors. 

TransUnion has only been relying on the verification of this data from XXXX, which is a DIRECT CONFLICT ... as XXXX sells consumer information to TransUnion. 

I am demanding that TransUnion be reprimanded by the CFPB for their continual violations of the Fair Credit Reporting Act & for falsely claiming to have investigated and verified the accuracy of the misreported information directly with the US Bankruptcy Court.
Product: Debt collection

I have no idea why this company had the authority to post on my credit report with no clear details about what it is about and why are they posting on my account. I never had an account with them. 
And they have the audacity to back date it to XXXX?? 

I am a victim of identity theft and investigation is still underway. 
XXXX confirmed creditors will not be able to impact my report nor post on it. And they will inform the other XXXX agencies. 

However, this synchrony bank not only impacted my credit score they also predated the amount. With no clarity on who they are and why they are posting anything without permission at all. 

My identity is verified over and over, in great, it these hackers, bad businesses, random accounts and creditors are able to modify and manipulate anything to steal my money without so much as a notification sent to me.
Product: Credit reporting or other personal consumer reports

Every other month I keep seeing XXXX XXXX showup on my transition report. I have told this company plenty of times I do not want or will ever use their service and to close and delete my information and account yet they keep reporting on my account the account is closed. They are abusing the credit reporting on people account!!! I dont want to ever deal with this company and for some odd reason they keep opening my account after I get an email stating the account is closed! Its now XXXX and last I felt with those company is XXXX!!! Why wont this company leave me XXXX XXXX  alone!!! This is identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Mortgage

I feel I am being discriminated against due to my zip code and numerous complaints I have made regarding this process with PNC bank. My phone calls are not being returned. I am continually asked for the same documents I have submitted two and three times. I have filed internal complaints. There has been no resolution. I do not receive any communication regarding my Refi unless I reach out to the call center. The only way I know where I am along the process is I call every three weeks and wait on the phone anywhere from 1-2 hours. I started this process in XXXX of 2021, and it is now XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed all three bureaus in the last three months and creditors did not correct. 
Loan default and anything that has a negative impact that resulted from the default is not allowed to be reported for loans in fresh start program. The Doe now has the loan and has corrected their history. This loan was in default with this lender since XXXX.this issue cost us 3 months of not being able to replace our dead car. I will be filing through her or small claims to be made wbole by fedloab and the bureau
Product: Credit reporting or other personal consumer reports

After checking my credit reports, I have noticed that on all three of my credit reports are showing several inquiries that I did not make and have no knowledge of. TransUnion, XXXX and XXXX companies are unlawfully reporting an unauthorized inquiry on my consumer report. They are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). I have not initiated any transaction with the following accounts : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Inquiries are not mine nor do I have any open accounts for those dates which means by law they must be deleted. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Credit card

Balance is {$0.00} and still reported over 30 days {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2016 Reference # : XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Subject : Incorrect Reporting of Debt Collecti

on by Aargon Agency Inc. in Violation of FCRA/FDCPA Description of the issue : I am submitting this complaint concerning the improper reporting of a collection account from Aargon Agency Inc. on my credit report. I have disputed this debt several times through both the credit reporting agencies and directly with Aargon Agency Inc. without resolution. Despite my disputes, Aargon Agency Inc. continues to report the debt inaccurately. Below are the account details from my most recent credit reports f
rom XXXX and other sources : Original Creditor : XXXX XXXX XXXX XXXX XXXX. 

Account Balance : {$390.00} Date Opened : XX/XX/year> Date Last Reported : XX/XX/year> Status : Open Collection Account, Past Due Amount : {$390.00} Even after I disputed this debt multiple times, Aargon Agency Inc. failed to provide proper validation and continues to report the account incorrectly.

Details of the dispute : 1. Incomplete Debt Validation : Aargon Agency Inc. provided a debt validation letter, but the letter lacked sufficient documentation proving that the debt is valid or belongs to me. The documents provided did not explain how the debt amount was calculated and failed to include the original signed contract from the original creditor, XXXX XXXX XXXX XXXX XXXX. 



XXXX. Inconsistent and Inaccurate Reporting : The details reported by Aargon Agency Inc. are inconsistent across credit reporting agencies. There are discrepancies in the reported dates and amounts that show a failure to ensure accurate information. This violates the Fair Credit Reporting Act ( FCRA ) requirement for accurate and fair reporting. 



XXXX. Failure to Conduct a Reasonable Investigation : Under the FCRA, data furnishers such as Aargon Agency Inc. are required to investigate consumer disputes properly. Despite my multiple disputes, no reasonable investigation appears to have taken place. The account continues to be reported without corrections or explanations for the discrepancies, violating my rights under the FCRA. 



4. Negative Impact on My Creditworthiness : The erroneous collection account has significantly impacted my credit score and financial opportunities. The continued presence of this account on my report has caused undue harm to my creditworthiness, which is particularly concerning given the unresolved nature of this debt.
Product: Checking or savings account

On the day of XX/XX/XXXX my wallet was lost and my card was stolen, where {$1200.00} was taken from my account, money which was to pay my rent. When i went to check my account that my card declined, I immediately called my bank on XX/XX/XXXX, made the claim, and it was resolved, I was able to pay my rent, everything was good. On XX/XX/XXXX I received a card in the mail saying the claim was to be deducted from my account, saying the bank determined it was someone approved by me or myself, not even an exact answer, which is money i clearly do not have to spend, and today on XX/XX/XXXX money was sent to my account which was deducted from the negative balance. Now my issue is the bank is not helping and now im in debt, money i needed to pay my car insurance is gone and I cant seem to get anywhere therefore Im contacting the bureau to try and get this situation resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

Account never paid late, Account is paid off 100percent
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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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, credit repair services, or other personal consumer reports

I've been asking for applications to show some kind of proof that I apply because I dont remember applying
Product: Credit reporting, credit repair services, or other personal consumer reports

Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number is : XXXX. As of XX/XX/XXXX, the account is paid off and closed. Please verify and make the appropriate corrections.
Product: Payday loan, title loan, or personal loan

Hi XXXX XXXX on XX/XX/22 at XXXX p.m. try to acquire a online loan through one main financial. Phone number XXXX. The agreement was for {$10000.00}. They put {$700.00} in my bank wire check. When the check filled I then called the police and made the police report case number XXXX Tuesday XXXX it was reporting XXXX XXXX XXXX XXXX. The other phone number for OneMain Financial is XXXX. They have since called and tried to obtain the {$700.00} again saying they needed the {$700.00} it was a test run so that that deposit the balance of the {$10000.00}. At that time I was told by the bank officer while I was sitting at the bank with the bank manager at XXXX  XXXX XXXX stop the conversation.
Product: Mortgage

i applied a refinance with Guild mortgage on XX/XX/XXXX with XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX ca XXXX branch 3.5 % plus 1.125 point locked on XX/XX/XXXX and then he increased to 1.875 point when i complained he decreased it to 1.5 point according his email on XX/XX/XXXX he and his assistant XXXX, XXXX keep asking me to submit documents XX/XX/XXXX XXXX, ( 3 times ) XX/XX/XXXX ( 2 times ) XXXX ( 3 times ) XX/XX/XXXX 2 times XXXX andXXXX also i went to their office to scan my trust after all this he email me today to pay some credit because of ratio just discovered now after 2 months and after i paid appraisal actually because of point he need to pay ..
Product: Credit card or prepaid card

Received by mail an unsolici ted Mastercard ( Prepaid ) card from Netspend. T his was not requested.   The card is a prep aid Debit card that requires the holder to file Social Security and bank account routing numbers to Netspend, w hereby they will then charge the holder a monthly fee of {$5.00} to handle funds.     I have been advised th at  XXXX  sold off this service to Netspend, which is now simply mass mailing these Mastercard products t o unsuspecting people.
Product: Mortgage

I have a house in XXXX and was living in XXXX when my loan was sold or given to Nationstar. During that time of my loan going to Nationstar my 2 payments were sent back to my checking account and I was behind on my payment and not aware that they had my loan until then. I had to call the old mortgage company to find out who had the loan and I caught the payments up. But at that time they had sent someone to the house and they ripped the glass storm door off the frame and the door is no good and the front door has to be re-framed and a new glass door had to be bought. Then the person went to the back door and changed the lock and broke the frame where we had to re-framed because the door knob would n't even keep the door closed. 
We moved back in the house XX/XX/2015 and have made calls everyday about what they were going to do about it. They have told me that they are checking into it and will advise me the out come and it been over a month. 
I have spent over {$1500.00} to buy a new door and reframe both door and they charged me for the person to come and destroy my house.
Product: Mortgage

The current company representative says that I was mailed an escrow statement giving me the option to pay the difference or have my payment raised in XX/XX/2021. I only found out about the escrow analysis when I called about the amount due showing on my current bill that is due XXXX, which I received XXXX. I called the company ( 4 ) four times on XXXX. I was finally emailed a copy of the escrow analysis XXXX, I was not given the option to pay the escrow shortage and keep my monthly payment the same. Since I was not given the option, I have no idea what my monthly payment would be, if I had been given the option. I spoke with XXXX, XXXX, XXXX XXXX, and unnamed female that informed that I could not receive and updated bill for XXXX. I was not given the option to pay the escrow shortage and not have my payment altered.
Product: Mortgage

I am behind on my mortgage due to medical reasons. I called LoanDepot on XX/XX/XXXX to see what my options were. I was told that if I could come up with a large sum of money by XX/XX/XXXX then I could set up a repayment plan and avoid foreclosure. I saved and borrowed money for weeks and called them back today ( XX/XX/XXXX ) for them to tell me " Sorry, your mortgage is already in active foreclosure and basically there is nothing you can do about it. We have had this issue of inconsistency with LoanDepot before and it caused even more of a delay of being able to pay our mortgage. I feel that I am being taken advantage of due to the lack of knowledge of the staff at LoanDepot.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed incorrect information on my credit report and Equifax continues to report this incorrectly for months. 

This incorrect reporting is causing great harm to my score XXXX betterment of life. I have asked to be shown how this information was verified and I have not received anything to address that verification process. 

Again I will attach photos of the incorrect information that shows on my credit. 

This bureau continues to have bad business practices and the CFPB continues to allow it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted them about these accounts in several occasions and they have not contacted me or updated these accounts. Theses accounts where settled in my divorce and I and no longer responsibile for these accounts.. the accounts are XXXX Child Support and XXXX Auto Loan , and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously disputed My XXXX XXXX XXXX XXXX Originally filled XXXX XXXX Reporting XX/XX/XXXX XXXX XXXX XXXX with XXXX, XXXX, Equifax, that had wrong filling / discharge date. XXXX did deleted the account for reporting wrong date as of now its been 10 years and XXXX and Equifax still reposting wrongfully and keep updating as verify the court send me a letter that states they do not verify any information with credit bureaus. Violating the right of fair credit reporting.
Product: Credit reporting or other personal consumer reports

My information was involved in the XXXX XXXX breach and also the XXXX Bank and Trust Data Breach and i do not Recognize a lot of the information and inquiries on my credit report Listed Below. According to 15 USC 1681 which governs access to consumer credit report records and promotes accuracy, fairness and privacy of personal information assembled by CRA. Accounts American Air, XXXX XXXX, Opp Loans, Affirm, Upstart Collections XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX  XXXX Balance : {$220.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepencies, my financial institution failed to investigate my claims adequately. They informed me that recovering the lost funds was impossible and tracking these transactions was un feasible. The CFPB 's findings indicate that zelle has not only neglected to protect consumer but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.