23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loans are serviced through Aidvantage. 

I enrolled in the SAVE plan prior to the resumption of loan payments last fall and I received notifications that I was approved and everything was good to go. Once repayment resumed, everything seemed normal and I was paying my monthly bill. About three months in, however, Aidvantage stopped billing me without any notice or justification why. During this time, I want to note, interest continued to accrue causing my principal to increase. I wasn't immediately sure that billing had stopped, but by XXXX it was obvious, and I reached out. After a few weeks, they responded that my account had been put into administrative forbearance while they 'processed my SAVE application ' and told me repayments would resume in XXXX, 2024. Again this was without any correspondence, and despite after having been told that Aidvantage had already processed my application. ( see the attached screenshots from the FSA website ). I don't understand why this forbearance was placed, and why my interest is accuring. There is zero reporting of the interest that is accruing and so even if was trying to pay it off, I'd have no idea what the amount I would need to pay. But as I'm enrolled in the SAVE plan, this interest should never have been allowed to accrue.
Product: Credit reporting or other personal consumer reports

TransUnion and resell is violating federal bankruptcy law by reporting XXXX XXXX XXXX credit card as an open account with late payments up until XX/XX/XXXX. This debt was discharged in bankruptcy at the beginning of XXXX. The comment in this account states discharged in bankruptcy on the credit report yet both are violating federally law reporting it as an open and over due balance. I had tried to disputed this so many time. Also texell ran my credit in XX/XX/XXXX and I dont have an account with them and they are violating bankruptcy law running my credit trying to collect a debt that was discharged in bankruptcy in XXXX. My next step would to open my bankruptcy case and hold them in contempt and requesting damages for violating my rights. TransUnion and conns appliance is also doing this with an account included in my bankruptcy discharge in XXXX reporting late payments after I filed bankruptcy and showing charged off on payment history with a comment stating included in bankruptcy. TransUnion is doing it for a third account with XXXX XXXX as it was included in my bankruptcy in XXXX but they are reporting late payments and charge offs on payment history after I filed bankruptcy with comment showing it was included in bankruptcy which is violating bankruptcy law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a new car through XXXX  ( XXXX  financial ) and the dealer took the info to have the lease payments automatically debited from my account. I attempted to setup an online account and XXXX had an issue with the account and could not set it up for a number of months. Once they set up the account online, I saw the account was past due. I asked the dealer and they forgot to submit the required forms to remove the lease payments from my account. I remedied the account right away and brought it current. I called XXXX and explained to them how this late payment was their error due to the dealer negligence and their inability to open the online account in a timely manner. I also explained that I have multiple auto loans and mortgages through XXXX  and have never been late on a payment. I also let them know that they had my phone and email and never contacted me that the account had gone past due and the only reason I knew was checking once they approved the online account. Despite this, they refuse to remove the late payment from my credit report despite the fact that the error is clearly theirs and I had no way of knowing the account went late due to XXXX having an issue opening my online account access
Product: Credit reporting or other personal consumer reports

XXXX is reporting XXXX hard Inquires that are not correct. I did not authorize these. They need to be deleted immediately they are identity theft. I have filed a Police Report and Affidavit and more inquires have been added to my reports. Please delete and update immediately. 
Enclosed is my Police Report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> Huntington Bank XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.
Product: Checking or savings account

I have a small business account ( XXXX XXXX XXXX ). On XX/XX/XXXX, were made 4 unauthorized ACHs from my account to a company called XXXX XXXX, in value of {$490.00} each. I have no idea what is this company. These transfers were frauds. So, I called Bank of America and proceeded in the manner they instructed me. After that, I only received one email saying they will investigate my case and will return in 60 business days. I think this time is unreasonable and the email is vague. I can't wait for more than 2 months to have my money back that was stolen from my account. I have bills to pay and I understand that I trust my money in the Bank, I pay fees to have security, so my money can't simply vanish from my account, without explanation for so long time. I started making many calls trying to understand if the Bank was really investigating my case and when I would receive my money back. Believe it or not, I called almost 10 different numbers that the Bank provided me, trying to get transparent information. Each time I called the attendant told me to call in another number and so on. Today, XXXX, I called XXXX and the attendant told me that wasn't sure the Bank would refund me even after I waited for this long and unreasonable time to get an answer. I asked her for a written answer about what the Bank was doing to solve the question but she denied it. They say all callings are recorded. So, my proofs are the records of almost 10 callings. The Bank failed to keep my money safe and I would like to have it back as soon as possible, because the delay is jeopardizing my financial life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Debt collection

XXXX XXXXXXXX. The matter is reported to the authorities. United States Department of Education, get these perjurious panhandling frauds out of my inboxes. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al, to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
Product: Credit reporting or other personal consumer reports

A XXXX name error will not allow customer contact with creditor to receive financial services of internal revenue service from registered english given name. Web page malfunctioned apon entering social security number to verify identity. Customer is preapproved for open credit file and cyber security Interfered with name data of application and refused to give customer approval data of social security number signature.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach and subsequent identity theft. As a result, fraudulent accounts have been opened in my name and unauthorized credit inquiries have been made on my credit file. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting the following actions be taken immediately : 1. Place a security freeze on my credit report to prevent further unauthorized access.

2. Block and delete the following fraudulent accounts and inquiries from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Discrepancies in reporting on one account being reported twice on all three credit bureaus : Original Balance : XXXX and XXXX Terms : 66 months and 68 months Paid Closed/Never late and Paid/ Closed on XXXX. Reported differently on XXXX then Equifax and XXXX XXXX. 

Requested validation as shown in documents attached. 


XXXX XXXX XXXX XXXX has the same account reported twice. Inaccuracies with original amount of loan, payment history, terms are different. I had only one lease which being reported twice with the same account number but inaccuracies with the items mentioned above. Violation by the credit bureaus and XXXX XXXXXXXX XXXX XXXX  reporting inaccurate information that has substantially hurt my score.reported as paid and never late on XXXX and reported as late.
Product: Vehicle loan or lease

I went this auto shop on XXXX  to purchase a XXXX XXXX XXXX the check engine light comes on and another light i been notified XXXX XXXX i been notified the owner i originally went to help XXXX XXXX with his landscaping company in which he registered at XXXX XXXX under XXXX XXXX XXXX option and they probably gave him a debit card of XXXX or something like that where he could start a loan company under this bank. Now this same person came to me and got {$600.00} cash told me he would give me {$900.00} plus pay ticket if got stopped by police i got stopped right by XXXX XXXX on XXXX  of the day of court he told me he would give me my money i called no reply from him about my money i dont want his lawn mower or trimmer for cause it is no where near what i gave him period. He is a swindler thief and i want my money he owes me out his chase account this money i gave him was money for my vehicle to be registered with dmv he never gave me not a penny of my money back period this fake person is not welcome in Nothing of mines with government nor anybody thats like him. Him and XXXX XXXX think they slick and probably XXXX XXXX  they been stealing how are these people getting jobs at Banks and taking people money this same lady i used to give money to turned around and bite the hand that helped her i did nothing to this lady her and XXXX XXXX  is wicked. And i think they are doing this under XXXX  XXXX  XXXX XXXX  etc. When most of these banks like XXXX XXXX  are connected to places marketing companies that are slave holder like XXXX the prophet noble XXXX XXXX said if u aint carefully your brother will try and keep you in slavery XXXX XXXX  acts like that type brother people that mooch off people act like that rich people get rich off poor people that is slave wages and unions loan shark XXXX XXXX is a crook give him a fdic federal case of loaning money from me and not paying it back from chase like suppose give him a federal case and see if like it cause he playing with my money and got me in trouble. I reported him to fbi already. XXXX XXXX robbery is what im calling his charge.
Product: Checking or savings account

On XX/XX/XXXX, my checking account that I've had for at least three years with Capital One Bank was frozen. I am a XXXX XXXXXXXX for XXXX. I file my taxes using my name and ssn. I applied for and was approved for the SBA Covid-19 Grant and Eidl Loan for my business. The amount frozen is approx $ XXXX. Capital One bank has since frozen the checking account and demanded that I send them my XXXX tax docs, and a bank statement showing either a tax refund or paying in taxes. 
I immediately emailed my XXXX Tax Return. I did not receive a tax refund because my AGI was negative, therefore there would be no other documentation that I would have other than perhaps a copy of

my 4506-T form. The bank says the SBA froze
my funds due to fraud? I have had numerous conversations with the SBA Tier 2 reps, and have been informed that the SBA has no issues with my grant and loan funding and that they were not aware that Capital One Bank has frozen the loan and grant proceeds. 
So this so-called fraud investigation, is something that Capital One Bank clearly is using to justify illegally seizing customer funds. Hoping to find a crime, where one does not exist. The way the bank is conducting business, is deserving of a Federal Investigation and Congressional Hearing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with XXXX, XXXX and Equifax back in XX/XX/2020. This is now XXXX and I still have yet to received anything from them. I want to fix my credit report and this is holding me up and I don't understand why they haven't reply to me yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank NA closed my Sears credit card for inactivity when in fact there are no XXXX XXXX or XXXX stores. I do not shop on line as I am a former IRS employee whose background information was stolen from the federal records database in XXXX of XXXX. 

Citibank NA reported the closure of my oldest credit card ( XXXX XXXX initiated in XXXX ). The closure will undoubtedly affect my credit bureau scores. 

I am requesting assistance in this matter as it has a negative material effect on my financial status. Citibank NA refuses to offer me any recourse.
Product: Checking or savings account

Today XX/XX/year>2024 I am aprox. 3 almost r hours away from home. I left my cash app card home in a rush to get here due to a family emergency. I tried at XXXX and XXXX. to transfer money to my fianc cash app account. He opened this account approximately a month ago incase we ever needed to give one another money and he was away working. Cash App denied both transactions. So then I proceeded to transfer it to my LINKED bank account and recieved a message that my account was locked contact support to access my funds. So I did they told me I had to wait XXXX hours to get my money. I informed them I was trying to transfer money to my fiance because my car payment had to be sent in electronically at a grocery store by XXXX. My car has been shut off already and the car company said they are going to track my car thru GPS and repo it tonight. They told me o had to wait for an email in XXXX hours. This is my money and I am basically stranded with my fiance and XXXX kids
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I encountered an issue with my XXXX  XXXX  account using Zelle. I accidentally sent {$200.00} to the wrong recipient. Upon realizing the mistake, I immediately contacted XXXX XXXX customer service. They informed me that once a Zelle transaction is completed, it can not be reversed, leaving me without a way to recover the funds. 

On XX/XX/XXXX, I experienced another problem where {$150.00} was sent to an unintended recipient. I followed the same procedure, contacting Wells Fargo, but received the same response. Despite my efforts to resolve the issue, I was unable to retrieve the money. 

Additionally, on XX/XX/XXXX, I had {$300.00} mistakenly sent to another wrong recipient. I again reached out to XXXX XXXX, but they reiterated their policy that Zelle transactions are final and can not be reversed. This recurring issue has caused significant inconvenience and financial loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempt 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 an 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
Product: Payday loan, title loan, or personal loan

In XX/XX/2019 I made 5 payments up front to cover XXXX, XXXX, XXXX XXXX and XXXX payments, sending them a check for the total fixed payment that had already included interest. I made a {$1500.00} payment XX/XX/XXXX for my XX/XX/XXXX1st due date, my payment is XXXX a month a wanted the rest to be applied to principal. Best Egg took my {$1500.00} and applied the entire amount to interest only telling me that because they were charging me daily on all the payments I made upfront! In my XXXX a month that includes the interest and now they want additional XXXX for more interest because I made 5 months of payments up front! This company needs to be investigated!
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a formal complaint against the following company with in-corrected information or my credit report.  XXXX ,  XXXX   XXXX ,   XXXX   XXXX  ,  XXXX . I have been a victim of IDENTITY THEFT. I have notified the  Social Security Administration , State of Indiana and   XXXX   XXXX   XXXX   XXXX   XXXX   , Ohio State Attorney Office,  and the Federal Trade Commission. My brief case was stolen in  XXXX   XXXX ,   XXXX   inside the brief case were my license, social security card, check book, passport and credit cards. I filed a police report, with the  XXXX  Police Department. I have file a dispute with all the company name above. These account are not mine,  XXXX  and  XXXX
Product: Student loan

I am trying to seek a monthly billing reduction from Navient Student Loans. I have trouble paying the {$1100.00} monthly payments and was informed by a supervisor ( XXXX, XXXX, on XX/XX/2018 at XXXX XXXX ) that my parents ( retired, XXXX y/o, limited income ) are financially liable to help because they cosigned on loans 10 years ago for my XXXX degree. Additionally, I have been labeled " delinquent '' because a customer service representative ( XXXX XXXX on XX/XX/2018 ) told me to not pay until well after the XX/XX/XXXX because I was on " administrative forbearance. '' My payment is initiated for XX/XX/XXXX ( confirmation # XXXX ) and as a result, I was told by XXXX today ( XX/XX/XXXX ) that I can not even speak to Customer Service because of this. Additionally, I was told by XXXX ( XX/XX/2018 ) that my parents could be released as cosigners and informed today by supervisor XXXX that it not even an option because I'm considered " delinquent. '' He also said that department does not even exist. XXXX assured me they would review the phone conversation tapes and investigate internally, however stated I am responsible to pay Navient {$1100.00} monthly, which will likely increase because the interest rates are variable. I have never been more angry at myself for seeking an education as I am now struggling financially because I chose to go to school. 

I have done my best to " trim my finances '' and no longer go out to concerts or movies with friends, I cut my own hair and no longer make purchases on my XXXX XXXX XXXX XXXX credit card ( the only one I have ). My vehicle has been paid off for several years and I paid it early and never missed a payment to XXXX XXXX XXXX XXXX. I want to be a homeowner someday or purchase a newer vehicle, but those, at this point, are just dreams because my student loans require the largest portion of my income. I have moved up professionally and always am trying to stay positive, help others and address my responsibilities. 

I just want help lowering my payments to Navient and removing my wonderful, kind-hearted parents as cosigners. These loans, although they cosigned, are my own and I will do what I can to make Navient whole again and no longer be under their umbrella.