23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My previous loan company that had been assigned to me was naviant. They told me that if I made 3 consecutive payments of I beleive {$300.00} on a specific date for three months in a row that I would qualify for an assistance program that would then secure me me making around a {$30.00} to {$40.00} payment each month for the next 64 months. I made two of these payments, and submitted my information ( which I was told they never received ), I then submitted it again, from which I heard nothing back from them. Shortly after making the second payment of {$300.00}, Navient was no longer the company I dealt with and I was assigned to a new company. I have patiently waited to see if that {$600.00} payment would ever show up on my credit report, and assumed the delay in its appearance was due to the pandemic. I recently saw an article that stated navient had been acknowledged for some deceptive tactics regarding student loan debt. I graduated college with a XXXX XXXX, and a XXXX XXXX XXXX. I would have liked to continue my education and obtain higher credentials so that I would hopefully obtain more opportunities for higher salary paying jobs, however, the interest is astronomically high on student loans and being that I am a XXXX XXXX XXXX XXXX  along with inflation, furthering my education does not seem like a very smart option at this time. I am worried that the upcoming absence of the deferred payments will require me to have to commit to the monthly payment I had tried to avoid prior to agreeing to.the terms of navients arrangement. These payments come to between {$250.00} and $ XXXX from what I've seen on my paperwork. Money is tighter then ever and I am literally living paycheck to paycheck. I am wondering if Navient fraudulently set me up on a plan that was set up to not be possible, and took my {$600.00} for whatever reason except to go towards any of my loans. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account number XXXX 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
- 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
- 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. = damages on business loans because of the information you provided on my credit report
Product: Debt collection

I have disputed this account with Credit Collection Services multiple times, and I have still received nothing at all from them! Nothing at all! I thought I had the right to request information and dispute accounts on my credit! Isn't that what the FCRA says? Can you help me?
Product: Checking or savings account

XX/XX/2023 I use the branch ATM machine to withdraw {$560.00} from my checking account. The ATM did not dispense any money to me. The ATM screen stated there was no cash in the machine to dispense. When I looked online my checking account showed {$560.00} being deducted from my funds. I received an email from Wells Fargo stating there was an error from the ATM transaction ... no money was dispensed call this number... I called the number and a case number was issued. I was told after two business days a temporary deposit of {$560.00} would be done. XX/XX/2023 the next day my husband and I went to the local branch where the ATM we used to see if the money could be deposited back into the checking account. The lady we spoke to called another number and another case number was issued and to allow two business days for funds to be temporarily deposited back into our account. It's now been 4 business days, no funds deposited, I call again. I'm told one case number has been closed can't tell me why but now I have to wait an additional XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/21 received text from Coinbase that my password was changed ... when I checked the App I was locked out of my account. followed by emails stated that I had authorized a new device, which I didnt .. 
I opened Coinbase ticket : # XXXX XX/XX/21 Received email to reset password.. the system didnt let me log back in I opened Coinbase ticket # XXXX XX/XX/21 My XXXX XXXX  account was compromised and XXXX was withdrawn to fund my Coinbase account which I was locked out of. I contacted my bank to block any further withdrawal from this merchant. 
I opened Coinbase ticket # XXXX XX/XX/21 Revived an email from my bank ( XXXX XXXX ) stating my my XXXX withdrawal by Coinbase was returned due to insufficient funds. 

I AM UNABLE TO CONTACT A COINBASE REPRESENTATIVE TO SPEAK TO. I CAN OPEN HELPDESK TICKET. 
FRUSTRATED-ANGRY- VOilated -ROBBED OF XXXX US DOLLARS . 
I NEED MY MONEY REFUNDED BY COINBASE. 
THEY DID NOTHING TO PROTECT MY PRIVACY AND MONEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each bureau by certified mail and have unverified accounts on my report. Here are the accounts : XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX. XXXX XXXX # XXXX
Product: Credit card or prepaid card

Sf/ Lead has enter my acct as negative info due to me filing a complaint with you about their credit builder practIce. I had thier credit builder to try boost credjt scroe and when i paid into this I was asked about their secure credit card and when I cancel the credit builder I still had THE scure card THAT was link to the closed acct., they refuse to list this acct as PAID. They've listed this acct shown below as SF LEAD ACCOUNT CLOSED AT CONSUMER REQUEST CLOSED. OR PAID BY COLLATERAL / VARIABLE ADJUSTABLE RATE WOW THEY ARE REALLY MAD AT ME AND THIS IS SO DIRTY ....
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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

My credit report is showing an account that is not belong to me. XXXX XXXX, original creditor : XXXX. Date opened : XX/XX/2020. Amount {$3600.00}. This account is under the name of XXXX XXXX, and I believe was originated in XXXX, Texas. I never had XXXX as a phone service, that is not my name and never lived in Texas. Please I will appreciate your help with this problem. Thank you very much.
Product: Credit reporting or other personal consumer reports

I have 18 student loans with Department of Education/Netnet that are reporting incorrectly on my credit report. The accounts are closed due to a consolidation, however the payment history status on the closed loans are only reporting for 4 months. All of the loans are currently reporting on-time payments for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, instead of ALL of the on-time payment history for the life of the loan. The loans do not have visible loan numbers on my credit report so I will list them by the date each loan was opened and the amount of each loan- to identify the loans I am referring to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I require your assistance to address the issue of the incorrect account on my credit report. This situation has affected my reputation as a customer, and I ask for these accounts to be removed due to their false and damaging nature.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

I advised the debt collectors that I was exercising my right to arbitration and was told the collection would be put on hold and received an email stating. Per the collector the creditor told them I was not proceeding which was not correct. I never received any correspondence stating the collection was taken off hold and found out about the collection when I received an a credit alert
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditors have continually violated FCRA, FCDPA, and numerous consumer protection laws aswell as state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN RESPONSE TO CFPB COMPLAINT:XXXX To Whom It May Concern : This is in regards to the following accounts : XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX   XXXX  Account XXXX Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your  assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX  has reason to  determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ),  and XXXX v. XXXX, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you. 


XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX , FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file immediately because I did not authorize them and they are fraudulent.
Product: Debt collection

Someone stole my information. I have no knowledge of this, and the address is non existent.
Product: Credit card

I had an XXXX debit card with Bank of America. I signed into the account very infrequently. On my last sign in, I realized that they had charged over XXXX in fees. I asked them to close the account because it had a XXXX balance. They did close the account, but I was still able to sign into my account on the website. I asked Bank of America to remove the online account altogether and they said it would be deleted after XXXX years. This means that my personal information would be exposed in the event of a security breach at Bank of America. I try to only keep accounts open that I am using regularly, in order to avoid exposure.
Product: Money transfer, virtual currency, or money service

What happened it was a romance scam. it will be in the attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$460.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

WHAT IS WRONG WITH THIS COMPANY EQUIFAX??? THEY KEEP PUTTING ADDRESSES ON MY CREDIT FILE THAT DOES NOT BELONG TO ME, NOR IS THERE A CREDITOR REPORTING THESE ADDRESSES!!! THEIR THE ONLY CREDIT REPORTING COMPANY THAT KEEPS PUTTING FALSE INFORMATION ON MY CREDIT FILE!!! 

I HAVE DISPUTED SENT ADDRESS VERIFICATION TO THIS COMPANY AND THEY CONTINUIOUSLY KEEP PUTTING WRONG INFORMATION ON MY CREDIT FILE. ITS A NO WONDER THEY ARE BEING SUED!!! THEIR SYSTEM IS HORRIBLE!!! THIS IS FREAKING RIDICULOUS!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested XXXX, Transunion and XXXX to update my personal information over and over.
Product: Checking or savings account

My chase account was fraudulently charged {$3000.00} but I was only refunded {$2000.00} with {$1000.00} left over.
Product: Credit reporting, credit repair services, or other personal consumer reports

all three reporting agencies experian, XXXX, XXXX XXXX are reporting erroneously my student loans. They made a change between XX/XX/XXXX and XX/XX/XXXX showing my loans all increased when all loans were suspended and it caused a drop in my credit score of XXXX points. I have recieved notification from XXXX XXXX Department of Education that all my loans have been discharged. I am providing documentation. All my loans should reflect XXXX balance per the attached statement. The agencies are reporting incorrectly this is having a negative effect on my finances. The reports need to be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company name Transunion XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX fin XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 Called the company to dispute these inquires, i was told to reach out to the credit bureau for removal called Transunion and the rep was unhelpful and refuse to remove the inquires which i did not give consent for my credit to be used.
Product: Bank account or service

we tried to open a account at chase jp morgan mountain view california. they opened the account and then wanted to close the account. i gave them a coupon to get $ XXXX/- for a sign on bonus. 
We asked them the reason and they suggested some corporate fraud in 2005 in a corporarate account in washing mutual and now a closed bank. for the record we have never borrowed money from this bank or ever enjoyed any kind of credit or special facility ever. moreover for the period in question we were out of the country. 
In any case they closed my account and sent me a {$30.00} check. When i presented this check at wells fargo it was dishonored. 
now they claim i owe them $ XXXX/- they have reported me so i can not opoen a acount with any other bank. strange. 
i conclusively state i owe them no money. nor have i ever committed any fraud or knowingly defaulted on anything. further my XXXX report and credit report is clean. 
this is a clear case of mistaken identity. in any case the amount in question is too small for any material benefit to anybody. 
i want the bank fined for harassment. i want my current matter and past washington mutual matter resolved
Product: Credit reporting or other personal consumer reports

Upon reviewing my Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I submitted a dispute to the credit bureau Transunion concerning an alleged debt reported on my credit file ( XXXX XXXX XXXX  ). Per the requirements of the FCRA, I requested a VALIDATION OF DEBT stating the following documents per consumer law Section 809 15 USC 1692g : 1. Assignment or sale agreement from the original creditor.

2. Account statements detailing the history and current balance of the debt.

3. A copy of the original contract or agreement I signed with the original creditor.

4. Additional records verifying the accuracy of the debt.

5. Authorization from the original creditor permitting them to report the debt. 

Their 30 day period would have ended on XX/XX/2024, to provide proper documentation validating the debt. However, on XX/XX/2024, I received a secured message advising the debt has been verified as accurate and updated on my consumer report but I have not received any documentation via mail verifying the accuracy of this debt. There were no documentation attached to the secure message either.
Product: Credit card

This bank has the worst customer service in the industry. Never seen anything like this, customer service just hangs up on you when they are tired of dealing with the call. When you talk to a supervisor about it, he doesn't even remotely care what you have to say and says they will look in to it. But it never gets better, so i eventually take every dollar i have out of this bank. Now they are trying to give me a hassle every time i make a payment. I added an outside checking account to pay a credit card last week and this week they deleted it for no reason so i would have to add it again. I plan on filing a hate crime with the FBI as i think that's whats happening to me.