23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

MY GRANDPARENTS COSIGNED FOR ME A COUPLE LOANS THROUGH SALLIE MAE. LONG BEFORE I GRADUATED THEY STARTED DEMANDING MONEY IS LARGE SUMS. MY GRANDPARENTS PAID THEM OVER XXXX AT ONCE WHEN THEY GOT TRICKED INTO THINKING THEY HAD TO. I HAVE TRIED TO TELL SALLIE MAE THAT I MAKE XXXX HOUR AND ALONG WITH BILLS AND RENT I ALSO HAVE A CHILD TO TAKE CARE OF. I CAN BARLEY AFFORD TO PAY THEM ANYTHING BUT AM WILLING TO PAY THEM XXXX OR SOMETIMES MORE A MONTH. MY GRANDPARENTS ARE RETIRED AND CANT AFFORD TO PAY THEM WHAT THEY ARE DEMANDING. THEY ARE NOW CALLING MULTIPLE TIMES AN HOUR MAKING THREATS AND HARASSING US AND BULLYING US. THEY SAID MY LOANS ARE IN DEFAULT AND NEED MY GRANDPARENTS TO PAY XXXX UP FRONT NOW AND ME MAKE XXXX MONTH PAYMENTS. I TOLD THEM I CAN SEE ABOUT THAT A MONTH BUT MY GRANDPARENTS CANT AFFORD THE XXXX UP FRONT. THEY WILL NOT SETTLE FOR ANYTHING BUT THAT. THEY ARE THREATENING TO SUE AND THEY INVADED MY GRANDPARENTS PRIVACY BY LOOKING INTO THEIR BANK ACCOUNT. MY GRANDMA TOLD THEM SHE COULD NOT AFFORD TO PAY THAT UP FRONT AND THEY TOLD ME THAT THEY KNOW SHE CAN AND THAT THEY KNOW MORE ABOUT IT THAN I DO. THE SALLIE MAE REPS ARE VERY RUDE. IM NOT TRYING TO GET OUT OF PAYING BUT I WANT MY GRANDPARENTS OFF THE HOOK AND FOR ME TO BE ABLE TO PAY AFFORDABLE PAYMENTS A MONTH. I CAN NOT GO HOMELESS BECAUSE OF THEM. I HAVE MY CHILD TO THINK ABOUT AND MY GRANDPARENTS BARELY HAVE MONEY, JUST ENOUGH TO COVER BILLS AND FOOD. PLEASE HELP ME GET SOME TYPE OF RELIEF. IM ABOUT TO GO CRAZY. AGAIN THEY CALL MULTIPLE TIMES AN HOUR WITH ACCUSATIONS AND DEMANDS.
Product: Vehicle loan or lease

On XX/XX/XXXX, Alliant CU ran my credit without my authorization. I purchased a travel trailer on XX/XX/XXXX and Alliant CU and XXXX XXXX ran my credit on the same day where I got a loan for the trailer after putting XXXX down. I already had an interest rate and monthly payment. A few weeks later they said they messed up and needed more documentation. I sent the documentation multiples times that they needed. I never authorized them over a month later to run my credit again.
Product: Debt collection

Tate & Kirlin Associates were calling me after I told them I 'm on Social Security XXXX and Ally had already " Charged Off '' loan as bad debt on both my wife 's and my credit reports. I also told them to stop calling. Now they are starting to send mail wanting to collect on the debt. 

Today, we have sent them a " Cease and Desist '' fax but not sure they will receive it or honor it.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed A lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting

Accounts using name XXXX XXXX and XXXX XXXX XXXX, I have no middle name, also addresses I know nothing of
Product: Student loan

Spoke with Navient collection agency today again asking to lower payments. They asked to speak to my co signer who is approaching XXXX and is in XXXX at the moment. I proceed to make a long distance call only to have the representative ask my cosigner a bunch of questions that flustered her and caused her stress. I 'm willing to pay a lower payment without the help of my elderly co-signer who survives only on her SS income. She uses this money for her own expenses such as paying for medicine XXXX and XXXX pills also XXXX medication, medical and life insurance. Navient rep, then proceeded to hang up the phone on me refusing to help me further. I also asked to have my cosigner released but no assistance with that. I 'm truly disgusted at this point.
Product: Credit reporting or other personal consumer reports

I AM WRITING THIS PRE-ARBITRATION DEMAND IN CONTINUATION OF MY PREVIOUS NOTICE OF DISPUTE REGARDING THE INACCURATE CHARGEOFF WITH XXXX  ON MY CREDIT REPORT. DESPITE MY INITIAL COMMUNICATION AND YOUR ACKNOWLEDGMENT OF THE DISPUTE, THE DISPUTED ITEM HAS NOT BEEN ADEQUATELY ( REMOVED ) RESOLVED. THEREFORE, I AM COMPELLED TO ESCALATE THE MATTER AND REQUEST A RESOLUTION THROUGH ARBITRATION, AS PROVIDED FOR IN EXPERIAN 'S ARBITRATION AGREEMENT. 
I AM AWARE THAT UNDER EXPERIAN 'S ARBITRATION AGREEMENT, EXPERIAN IS RESPONSIBLE FOR PAYING HALF OF THE ARBITRATION FEE. HOWEVER, CONSIDERING THE SUBSTANTIAL COSTS ASSOCIATED WITH THE ARBITRATION PROCESS, I AM PROVIDING EXPERIAN WITH AN OPPORTUNITY TO AVOID THESE EXPENSES ALTOGETHER. 
IN ADDITION TO THE REQUEST FOR A COMPREHENSIVE INVESTIGATION AND RESOLUTION OF THE DISPUTED ITEMS, I PROPOSE THE FOLLOWING SETTLEMENT OFFER : 1. PAY ME THE FULL ARBITRATION INITIATION FEE : THE INITIATION FEE FOR ARBITRATION ( FOR THE CORPORATION ), AS OUTLINED BY THE XXXX XXXX XXXX ( XXXX ) GUIDELINES, TYPICALLY EXCEEDS {$3000.00}. TO SETTLE THIS MATTER EXPEDITIOUSLY AND AVOID THE SIGNIFICANT COSTS AND TIME INVOLVED IN FORMAL ARBITRATION PROCEEDINGS, I REQUEST THAT EXPERIAN PAY ME THE FULL AMOUNT OF THE ARBITRATION INITIATION FEE. 
I BELIEVE THAT THIS SETTLEMENT OFFER REFLECTS A FAIR AND REASONABLE RESOLUTION, TAKING INTO ACCOUNT THE COSTS EXPERIAN WOULD OTHERWISE INCUR DURING THE ARBITRATION PROCESS. ACCEPTING THIS OFFER WOULD SPARE BOTH PARTIES THE FINANCIAL BURDEN AND EXTENSIVE TIME COMMITMENT ASSOCIATED WITH FORMAL ARBITRATION. 
FURTHERMORE, IT IS IMPORTANT TO NOTE THAT SHOULD EXPERIAN DECLINE THIS SETTLEMENT OFFER, I WILL PURSUE THE ARBITRATION PROCESS AS PROVIDED FOR IN EXPERIAN 'S ARBITRATION AGREEMENT. IN THAT EVENT, I WILL SEEK APPROPRIATE REMEDIES, INCLUDING BUT NOT LIMITED TO COMPENSATORY DAMAGES FOR FINANCIAL HARDSHIP, EMOTIONAL DISSTRESS AND OTHER DAMAGES RESULTING OF INACCURACY OF MY CREDIT FILE. 
I KINDLY REQUEST THAT YOU PROVIDE A WRITTEN RESPONSE WITHIN 15 DAYS OF RECEIVING THIS PRE-ARBITRATION DEMAND AND MONETARY SETTLEMENT OFFER. YOUR RESPONSE SHOULD INCLUDE YOUR ACCEPTANCE OF THE SETTLEMENT OFFER, ALONG WITH THE ACTIONS TAKEN TO INVESTIGATE AND RESOLVE THE DISPUTED ITEMS. FAILURE TO RESPOND OR DECLINE THIS OFFER WITHIN THE SPECIFIED TIMEFRAME WILL INDICATE YOUR UNWILLINGNESS TO RESOLVE THE MATTER AMICABLY, AND I WILL PROCEED ACCORDINGLY. 
PLEASE ACKNOWLEDGE RECEIPT OF THIS LETTER WITHIN 10 DAYS. 
THANK YOU FOR YOUR ATTENTION TO THIS MATTER. I HOPE THAT WE CAN REACH A FAIR AND MUTUALLY AGREEABLE RESOLUTION WITHOUT RESORTING TO FORMAL ARBITRATION OR FURTHER LEGAL ACTION. YOUR PROMPT RESPONSE AND WILLINGNESS TO RESOLVE THIS MATTER IN A TIMELY MANNER WILL BE GREATLY APPRECIATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit reports with freecreditreport.com and notices my XXXX XXXX account is NOT on my report again!!!!! This happened last year XXXX time and I had to contact XXXX and your office and the credit reporting agencies to fix it!!! They claimed at that time that XXXX had been hacked or something!! I need my car payments reported, as I don't have that many loans!!! I have had the loan for XXXX almost XXXX years and need it showing on my reports, all three of them!! The report I am viewing is Experian so it is not on that one and they need to also make sure it is showing correctly on my XXXX and XXXX reports!!!!
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. This collection was a corporate account and mistakenly reported on my profile. The XXXX and XXXX Credit Bureaus had their record-keeping been accurate, and NO payment history provided. The XXXX and XXXX Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, MUST correct or remove this collection account immediately.
Product: Debt collection

I am writing to formally request the following documents related to my account : Accounting Summary : A detailed summary of the accounts activity. 
Statements : A full set of statements for the past [ X ] months. 
Balance Details : The current balance and any outstanding fees. 
Agreement/Contract : A copy of the original agreement or contract related to this account. 
This is my first request for these documents. I am requesting these items to verify the details of my account and to ensure accuracy. I would appreciate it if you could send these documents promptly or provide instructions on how to access them. 

If you are unable to provide the requested documents or if there are any issues with fulfilling this request, please notify me in writing and provide an explanation. 

I would appreciate a timely response within the CFPBs standard timeframe.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report that are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Page XXXX 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 Account # XXXX has violated my rights. XXXX Account # XXXX has violated my rights. XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX  XXXX XXXX Account # XXXX and Account # XXXX has violated my rights. XXXX XXXX XXXX Acount # XXXX has violated my rights. XXXX XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States | have the right to privacy. XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX  Account # XXXX and Account # XXXX has violated my rights. XXXX XXXX XXXX acount # XXXX has violated my rights. XXXX XXXX  acount # XXXX has violated my rights. XXXX XXXX XXXX  acount # XXXX has violated my rights. XXXX XXXX XXXX acount # XXXX has violated my rights. XXXX XXXX acount # XXXX has violated my rights. 
15 U.S.C 1681 Section 604 A Section 2 : It V 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 all consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In 2020 I received notices that this account that was not mine was delinquent. I notified Costco Citibank that the account was not mine and opened fraudulently but they persisted to try and collect even after I furnished them with a police report and identity theft case report and number. The account was then sold to XXXX XXXX XXXX  after Citi removed the account as a collection.
Product: Credit reporting or other personal consumer reports

Here are the specific issues I have encountered : Failure to Investigate : My disputes are consistently marked as " verified '' within less than seven days, which strongly suggests no meaningful investigation was conducted.

I have not received any detailed explanation or feedback regarding how the accounts were verified or the steps taken during the verification process.

Accounts Beyond the Reporting Period : Several accounts I have disputed remain on my credit report despite exceeding the 10-year maximum reporting period for certain types of accounts, or the 7-year maximum for most debts under FCRA guidelines.

Incomplete or Incorrect Reporting History : Many accounts lack payment data or contain incomplete, inaccurate, or contradictory reporting histories.

Some accounts are incorrectly marked as " charged off '' every month, rather than being listed as a one-time charge-off. This repetitive reporting is misleading and adversely affects my credit score.
Product: Mortgage

XXXX XX/XX/year> due to XXXX XXXX  and other inflation related issues i requested assistance from specialized loan servicing who is handling my home mortgage number XXXX For a year now sps ( specialized Loan Servicing ) have been stalling and asking questions like what is my name which is clearly stated on the application and the documents that i sent and again and again for a new asking for profit and loss that i already submitted with all related income documentations, several times and I since a year now. I had to do a newer one as time passes on the original XXXX time and time again without getting to a resolution or any form of assistance. Obviously wasting time and giving me the run around without seriously attending to my quest for help.
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 XXXX XXXXXXXX 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 card or prepaid card

Every other credit card company was able to help us in our financial hardship. They closed our credit accounts and put us on a five year loan to pay off our balance at half our monthly payments. {$100.00} a month credit card bills became {$50.00} a month and in five years we will be free of the debt. Capital One refuses to do this. They closed our account but continue to charge us {$70.00} in interest every month. After 5 phone calls begging them to help us we got hung up on. We need a five year payoff on our balance with no interest and late fees like every other company did for us. We can not afford the {$100.00} per month Capital One refuses to budge on. If they will not work with us on this we will have to file bankruptcy to stop the huge interest charges from them. They are heartless rude and cruel. If they wont help us I will be sure to tell everyone I know to avoid capital one over all other credit cards
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX XXXX please delete any and all variations of my name ( XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ). My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. Please delete the following addresses they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Checking or savings account

To the Team Members who handle complaints ; I live in XXXX IN. My complaint is with Huntington   Bank. 
Issues that I have : 1. Funds deposited to my checking account with Huntington  Bank from a check which cleared over a week ago ; are still withheld without any portion of the funds being released. 
2. I was given multiple/conflicting time frames for which the funds from the check would be released. The policy for holding deposited checks appear to be arbitrary. 
3. Huntington has had several issues with XXXX American customers over the past several months. My check coming from a XXXX Organization appears to follow some of the same unfair and difficult to follow rules that the bank has exhibited in the past few months. 
I have had an account with this back since XXXX of XXXX. I have not had a XXXX balance on my checking or savings accounts. I have not had any NSF/Returned checks/ or fees to these accounts. 
On Tuesday XX/XX/XXXX, I deposited a check for XXXX. These check was from XXXX XXXX XXXX XXXX XXXX, from a XXXX XXXX XXXX  checking account. I contacted Huntingtons call center on Wed because the funds were not available, to see when the funds would be available, I was told the funds would be available 48 hrs. from date of deposit. 
On Friday XX/XX/XXXX, the funds were not showing in my account. I called the call center again. This time I was told the funds would be held for 7 days from deposit. I asked to speak with a supervisor. 
The supervisor that I spoke with was XXXX from Michigan. She was extremely rude and uncaring about my situation. She told me that the bank could hold my check for up to 1 YEAR if they wanted. 
I contacted XXXX XXXX XXXX, to see when they would send the funds to Huntington Bank. To my surprise the check had cleared XXXX XXXX XXXX on XX/XX/XXXX. I decided to go to the branch where I had opened my account with Huntington to see if a manager there would be of assistance. I also brought with me the document showing that check # XXXX, for {$2700.00} had cleared, which was the check that was written to me. 
I was told by the manager there that the check would be held for 10 business days from deposit and NONE of the funds would be made available before that time. The holding time for a deposited check appears arbitrary. 
As of Today XX/XX/XXXX Huntington Bank has not released any of my funds. 
Customer Service/Customer Caring surrounding my issue was/is non-existent.
Product: Credit reporting or other personal consumer reports

This is my multiple request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$4800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$720.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX : {$4800.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$730.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit card or prepaid card

Synchrony Bank Lowes Store Credit Card fraudulently reduced my available credit on the credit card ending in XXXX. They claim it was due to a recent review of my account. It was lowered to {$4400.00} which is what the balance due was currently at. I have had this credit card for many years and I am a credit worthy applicant. This is adverse action and I have not received detailed information on the reasons why Synchrony bank has done this which is against the law because I have the right to credit. I have always paid my balances due f and do not consent to this adverse action. I have sent a notice to Synchrony Bank about this and received no response from them regarding this issue. I have continued to faithfully pay my alleged debt owed.