23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The original amount of my loans were 1. XXXX XXXX. XXXX disbursed in XXXX the interest rate is 9.75 i began repayment in XXXX. I have done inschool deferment, as well as interest only payments over the life of the loan. To date I have payed XXXX in interest and principle and my balance of these two loans is now 1. XXXX XXXX. 
I have asked for research to be done on the loan by navient. other than saying that the interest has accrued they can not tell me why i have not made a dent in my balance and how it has went up. 
according to the website i am scheduled to pay off the loans in XXXX and XXXX respectively at a payment of XXXX divided across the two loans. 
this is mathematiclly impossible. I really need some help with this. I have paid XXXX in principle and XXXX in interest..how is that even possible.? they have to be compounding daily!! 
Please help!
Product: Credit reporting or other personal consumer reports

Hard pulls on my credit report after data breech and my info posted on dark web.
Product: Credit reporting or other personal consumer reports

The company A+ LOANS is in violation of 15 USC 1681b- Permissible purposes of consumer reports. This code states a consumer reporting agency may furnish a report only under these circumstances. 1. In accordance with the written instructions of the consumer in whom the report relates. 2.They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act. As the letter I wrote to THE company clearly states that I opt-out of all authorization I might have given you written unwritten verbal or nonverbal. According to the Privacy Act of XXXX  my WRITTEN CONSENT IS REQUIRED for you to report anything to a 3rd party vendor. According to 15 USC 6802 obligations with respect to disclosures of information section B Opt-out I was not given an opt-out notice or an explanation of how I can exercise my right to my nondisclosure option. According to 15 USC 1681a IT IS ILLEGAL TO REPORT TRANSACTION HISTIORY. YOU ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Prepaid card

There was an unauthorized transaction made on my Cashapp card yesterday for XXXX to XXXX. My card was locked because anytime I have money on my card, I locked it. I dont even have XXXX downloaded on my devices. Im struggling as it is. Then this happens. I only had {$33.00} dollars to my name. I contacted Cashapp twice and they were not very helpful or compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX Bankruptcy Case Number : XXXX Please remove it to my credit report. 

2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX Account Number : XXXX Please remove it to my credit report. 

3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX Account Number : XXXX Please remove it to my credit report. 


Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Debt collection

I recently noticed I have been a victim of identity theft. There are some accounts that were opened in my name that I did not open, and it is severely hurting my credit report. 

It would be greatly appreciated if you could please delete these accounts off of my credit file. 

This recent discovery has been hindering me in many aspects of my life. I am currently in the process of buying a house for my family. I ask that the items be deleted to correct my credit report.
Product: Debt or credit management

XXXX XXXX. I had an account with XXXX XXXX. XXXX XXXX must have took over the account. I have been working so hard trying to repair my credit. I just have XXXX in XXXX and this place is reporting and since i have dropped XXXX point or more
Product: Debt collection

I incurred this debt on or after XX/XX/XXXX for approximately XXXX. At the time, I was employed with XXXX and my intention was to repay the debt through work as it created through advance use of leave. When I transferred to XXXX, MO, I lost my employment with the XXXX due my transfer request being denied. That left me with the afore mentioned debt. I was contacted by the department of treasury regarding the debt and I explained my financial situation to them and they said they would n't pursue collection action. Last week I received a call from a company named CBE and again today. I explained financial situation and my conversation with the Dept of treasury but, they continue call even though my financial situation has n't changed. The person I spoke with threaten to offset a social security benefit that I do n't receive.
Product: Credit reporting 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 ( Account : XXXX ), XXXX XXXX ( Account : XXXX ), XXXX  XXXX XXXX ( Account : XXXX ), XXXX ( Account : XXXX ), XXXX XXXX XXXX ( Account : XXXX ), XXXX ( Account : XXXX ), XXXX XXXX  ( Account : XXXX ), XXXX/XXXX  ( Account : XXXX ) has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). I request that they be immediately removed from my credit report as required by the Fair Credit Reporting Act.

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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. I request that they be immediately removed from my credit report as required by the Fair Credit Reporting Act.
Product: Debt collection

Midland credit management has a collection on my account in the amount of {$890.00} last reported XXXX XXXX and another collection in the amount of {$760.00} last reported XXXX XXXX. That account was sold by XXXX XXXX XXXX and they harass me daily and nightly from different numbers even after my number has been changed. I am not responsible for the accounts and I wish they would stop harassing me and sending letters. They refuse to remove it even after selling my information. I am not responsible for these debts and I have disputed them with no resolution. These companies continue to harass me and I dont know what else to do they are ruining my credit report and stopping me from moving forward with my life due to messing up my credit scores.
Product: Debt collection

My husband and I received a " Delinquent Notice '' from SWBC Mortgage on XX/XX/year> stating our " loan payment due on XX/XX/year> is in default. '' We called them to ask " How can a payment in the future be in default '' and their response was " That letter was sent in error... lots of people received those. '' We asked for a letter clearing this " error '' and the representative told us she " was sorry and can place a complaint for us. '' Sending people notices such as this one has happened before and SWBC needs to start taking accountability for these " errors '' and be help responsible for these errors by compensating people for their time and anxiety due to these errors. My husband and I stay current on our responsibilities and, as XXXX Survivors, these heighten our stress levels, especially when you call in and the rep acts as though it's no big deal. Absolutely unacceptable!
Product: Payday loan, title loan, or personal loan

This account was open without my consent. I have tried to contact the company several times without no response. This account is fraud not my account.
Product: Credit card or prepaid card

I previously wrote you about my credit card company not honoring my dispute in not paying for incomplete work done on the air conditioning system in my XXXX XXXX XXXX by XXXX XXXX XXXX. They responded stating that they sent me a request for a third party statement. 

First of all it took them two months not to honor my dispute. If they took the time to review all the information sent to them they would have noted that on XXXX XXXX my car was returned to them for the second time. They kept the car over night and that is when they discovered a leak in the EVAPORATOR which they admitted they didn't bother to check the first time because it would have involved further inspection. ( this information was clearly stated on their worksheet of XX/XX/2019 for which they wanted to charge me an additional {$900.00} in addition to the initial {$1500.00} previously charged. 

Furthermore, why would I have to get a third party opinion ( totally absurd ) when the evidence clearly shows that they were negligent in not thoroughly checking the air condition system. There was other evidence information that they received that I would have had to send under separate cover. 

Please be further advised that In spite of the fact that this matter is presently being disputed against XXXX XXXX XXXX. U.S. Bank has violated my rights as a consumer by reporting me to various credit agencies as a bad risk after having excellent credit for some 29 years. They are also billing me for the disputed Charge of {$1500.00}. Meanwhile, I am still paying the other charges which I have accrued. They told me to take it up with XXXX XXXX XXXX which is presently being disputed. Why then are they billing me for a dispute which they have refused to honor.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX U.S.C XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX U.S.C. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX INQUIRY : XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Ive tried to contact the following company to remove the below accounts from my credit report, which are reported in laccurately. These accounts are not mine though. Do I have any knowledge of these accounts.They have not responded and or provide approve that how old is that and based on15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies and furnishers of information must investigate disputed information within 30 days. 

These accounts are accounts reporting inaccurately to experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts are reporting inaccurate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account BANKRUPTCY : DISMISSED CH-XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that BANKRUPTCY : DISMISSED CH-XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by a auto dealership that my Trans Union Credit report stated my XXXX XXXX was reporting as a repossession and written off as a bad debt. The vehicle was not repossed and I was making payments on the vehicle. When I contacted the XXXX XXXX company they reported I was current, and had no idea why Trans Union would report that and not have me as current. This major error has played a great role in me being denied for credit, and negativity affecting my credit score. XXXX contacted Trans Union and supposedly this has been corrected. How can I be sure of that? Also this does not change the fact it had hurt my credit score majorly.I expect some type of reversal of my poor credit reporting. And want to know if I can take legal action against Trans Union for compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account : CARMAX AUTO FINANCE, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15USC 1681 Section604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card

I need help with this adjustment. 
I need to reopen dispute XXXX. It was decided wrongly. I received the wrong item in that order. I have photo evidence of the wrong item I received from them. I am owed my money for this transaction because I received the wrong item. I will be filing a CFPB complaint against Goldman for being XXXX against me not believing me here as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE is violating of my rights as a consumer, they have not validated the debt but continue to report to the credit reporting agencies FDCPA Section 809 ( b ). Also, they are in violation of FDCPA Section 807 ( 8 ). 

Telling me that the account was opened with a valid contract is not validating a debt. Where is the contract?
Product: Debt collection

RE : To whom it may concern Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains you received a certified letter on XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I received a response stating the account ( XXXX ) were verified on XX/XX/XXXX. I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me with ALL the information used for your investigation, as required by RCEA 611 ( a ) ( 7 ). 
Discover # XXXX FCRA 611 you are required to provide this informations within in 15 days or delete the negative from my credit report. XXXX is denid me from disputing my own credit report. They have block my own dispute letters.
Product: Checking or savings account

On XX/XX/XXXX, XXXX XXXX XXXX issued check # XXXX to XXXX XXXX for " XXXX '' written as " XXXX & XXXX/XXXX '' for an employee bonus, with the check being written from my business checking account. 

On XX/XX/XXXX, when my accountant was closing out my books in preparation for the XXXX  Tax season, and noticed funds did not add up. After reviewing all checks, it was found that check # XXXX issues to XXXX XXXX had been altered by {$900.00}. I reached out to my bank, XXXX XXXX  at XXXX Settlers XXXX XXXX, XXXX, VA XXXX, and asked for a copy of the deposit for the check and found that the amount on check # XXXX was changed to " XXXX '' and the written amount was changed to " XXXX XXXX & XXXX/XXXX ''. The check was deposited through " edeposits '' with Navy Federal Credit Union at XXXX, XXXX XXXX, XXXX VA XXXX  on XX/XX/XXXXXXXX  at XXXX. The deposit slip has the employees written name on the back of the check and his signature below it. 

My bank told me to " Here you go! I would suggest you file a police report or check with Navy Fed '', so I filed a police report sometime around XXXX of XXXX  when I had time to catch up on all administrative tasks I was behind on. I am still waiting to hear back from the police report. 

On XX/XX/XXXX, I contacted Navy Federal Credit Union 's customer service, explained the situation, and was told my bank needed to issue a " hold harmless '' letter to Navy Federal for them to be willing to investigate it. It appears like this is something my bank may not be willing to do, and without it, Navy Federal said they can not look into it. 

I have copies of the check deposited, the carbon copy, the police report, the emails, and proof he altered it and signed/deposited it.
Product: Student loan

Good Morning, In late XX/XX/XXXX, I requested a XXXX forbearance/deferment from Nelnet. I have XXXX XXXX and need to defer the funds from paying for my FFEL student loans to pay for XXXX, appointments, transportation, hotels, recovery, and supplies etc. The catch : I hold a XXXX XXXX XXXX loan with my wife. We were initially told yes! Nelnet can complete a XXXX Deferment for us and sent us the paperwork. A supervisor called us back an hour later and stated No, that we can not qualify for a XXXX Deferment UNLESS YOU BOTH HAVE XXXX!!!! Seriously, I couldnt make this up. She was very nice and understanding, gave us a deferment until XXXX XXXXBUT all the while the interest is accruing exponentially. 

The PL117-200 law signed by the President as of XX/XX/XXXX allowing us to separate these loans, but have not been given a mechanism to do so via the Department of Education XXXX In the meantime, I was diagnosed with an aggressive XXXX. I am very aware of the Department of Education Appropriations Act, XXXX, Title III of Pub.L. 115-245 I feel that I should be afforded the benefit of my loans NOT accruing interest as outlined in the law. We should NOT BE PENALIZED yet AGAIN for having a Joint Spousal Consolidated loan!!!

On top of this, I have a Parent Plus Loan that I will have to resume payment on in XXXX. I imagine I will have to navigate this process yet again.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was compromised during the Equifax data breach. The trust of just shy of 150 million people has been abused, and frankly it is outrageous. 

Our security should be taken far more seriously.