23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/XXXX while already entered into a payment agreement and making on time auto payments. Navient for some reason decided to cancel our agreement and then harassing us into agreeing to a new agreement at more than double the previous payment. When questioned about why our previous agreement was canceled they stated it was canceled in error and since that happened the could n't re-instate that agreement and we would have to new enter into a new one. They then stated that since we were paying our credits cards on time that we must have money to pay more. They stated that the co-signer must pay the part of the loan that the borrower could not afford to make. They insisted that since we had XXXX cars we could pay more to them. When asked to work out agreement to extend the term and lower the rate Navient refused to even submit an agreement for approval. After being routed around to over XXXX different reps and never getting the same reason or answer and being told that the only thing we could do and not hear from them again was to enter into a agreement with a payment XXXX the amount of the previous one. Now finally XX/XX/XXXX with an agreement in hand they called again to state that that agreement was denied by a supervisor and we would need another new now which could only be the much higher payment which out of frustration and harassment we agreed to. Now XX/XX/XXXX we get an email saying all our loans have been approved for forbearance at a cost of {$50.00} for each loan and interest will accrue. We never requested this and have no clue why we are being told this. We have never received any correspondence informing us of anything discussed on the phone or any changes they seem to be making without our consent or knowledge. We agreed to pay the higher payment with auto pay which they seem to take every month with no problem then call me and tell me Im delinquent on my payments but it comes out every month.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint and dispute inaccurate information reported by Transunion on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ). Attached to this letter is a copy of the specific account in question. 

Details of the Inaccuracy : Creditor Name : XXXX Account Number : XXXX Disputed Amount : {$4200.00} Status : Collection/Charge-off Remarks : Account information disputed by consumer, meets FCRA requirements This account contains inaccurate or unverifiable information that has negatively impacted my credit report. Despite disputing this with TransUnion, the account has not been corrected or removed. 

Violations of the FCRA Include : 1.15 U.S.C. 1681i ( a ) : Transunion failed to properly investigate my dispute within the legally required timeframe.

2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : I was not provided with adequate documentation or verification proving the accuracy of this account.

3.15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : If the account can not be verified, it must be corrected or deleted, which has not been done.

Actions Requested : 1.Investigate this matter thoroughly with Transunion and XXXX. 
2.Provide documentation verifying the accuracy of this account.

3.Require Transunion to remove this account if it can not be properly verified. 
This issue has caused significant harm to my creditworthiness, and I am requesting the CFPB to intervene and ensure compliance with the FCRA. I look forward to your assistance in resolving this matter. 

Thank you for your time and prompt attention to this issue. Please feel free to contact me if you require additional information.
Product: Consumer Loan

I am another victim of the paypal scandal that has been hovering over XXXX. Products that are sold from supplier 's that do business from XXXX are not good for business with their sub standart materials and craftsmanship. When problems arise paypal is always on their side with ruling of defective products. 

I 'm filing this complaint against Pay Pal for their bises practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

DOVENMUEHLE BANK that was a servicer for XXXX XXXX has reported two incorrect mortgage payments as of XX/XX/2021 and XX/XX/2021 showing that they were 30 and 60 days past due but the payments were made to XXXX XXXX directly and Dovenmuehle Bank was not aware of the payments and reported them late
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated. This is the THIRD attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled within sufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

The property management company did not notify myself, my sublessor, or my guarantor that there was a debt owed as of XX/XX/XXXX. The debt was turned over to a collections agency in the name of my guarantor on XX/XX/XXXX. This is illegal as debt needs to be over 30 days old in order to be turned over. I emailed property management on XX/XX/XXXX, when the notice was received. I was told it would be looked into, there have been two attempts to follow up to no avail. I do not know what this debt is for, and it was illegally sent to a collections agency too early.
Product: Credit reporting or other personal consumer reports

First and foremost, I want to emphasize that my right to privacy is of the utmost importance. 
I am asserting this right with this dispute letter. According to 15 U.S. Code 1681 ( a ) ( 4 ), you have a responsibility to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am invoking this right under the law and expect that all the information provided is treated with the highest degree of fairness, impartiality, and respect for my privacy. Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized the following companies to access my information. Their actions are in clear violation of this statute. I am requesting the removal of the following account ( s ) from my credit report, as they are negatively impacting my reputation, character, creditworthiness, credit standing, and credit capacity. Enclosed with this letter is an official FTC report filed under penalty of perjury, further substantiating my claim. Given your legal obligation to protect my privacy, I request that this matter be handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my recent personal credit report and I noticed some unauthorized credit inquiries were removed while there were still few erroneous items remained on my personal credit reports. I once contacted these companies and asked them to remove their credit inquiries from my credit profile. I also requested you before to initiate an investigation into the below items on my credit reports to determine who authorized these items. And I know your investigation is complete, and you find my allegation to be true, please remove these remaining inquiries and inaccurate information and send me an updated copy of my credit report at the address provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items I am disputing do not concern any transactions involving the acquisition of goods, services, or funds that I have initiated or approved. Please remove these inquiries from my credit file as soon as possible. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian and XXXX to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$0.00}.
Product: Student loan

My Dept of Education student loans contained a XXXX balance. The loans are showing as being paid off at 41 % ( XXXX report ). The XXXX website is down. My Experian report is reporting a XXXX balance from the Dept. of Education.
Product: Mortgage

Wells Fargo home mortgage modified my loan anccepted payment and anfter told me the modification was not approved and did not provide me with options best suit it to my situation.sent my loan to foreclosure and denied any offer to settlement
Product: Credit reporting, credit repair services, or other personal consumer reports

Both Equifax and XXXX  are dropping my credit score for no apparent reason that can affect an auto purchase at 0 % financing if I choose to buy a new car. They need to stop.
Product: Checking or savings account

I have had several overdraft fees accumulated over the last XXXX  years of using Wells Fargo banking. I have notified them several times when there was money in my account and they have refused to fix it.
Product: Mortgage

1 ) I filled out an online mortgage refinance application on or before XX/XX/XXXX. But *I did NOT click the apply button*. I had questions *before* I wanted to submit to avoid a credit inquiry. I intended to call them later. 

2 ) I got an automated email from them on XX/XX/XXXX with the subject : " Still thinking about refinancing? Finish your application. '' Body began : " Almost finished... 
Just a few more steps to finish your application. If you'd prefer to speak with a Loan Officer to continue your application, please give us a call at XXXX. '' ( See attached email printed to PDF ) 3 ) After a day or two they began calling me, but it was always at a bad time while I was in meetings and couldn't speak with them. I tried to call them back twice but then they didn't pick-up. 

4 ) On XX/XX/XXXX I was surprised to get an email from XXXX with the subject " Your mortgage application documents '' and text within the email saying " Mortgage application documents to sign ''. 
( See attached email printed to PDF ) BUT I NEVER SUBMITTED MY APPLICATION because I still had questions and didn't want a hard pull on my credit. 

5 ) When I logged into XXXX 's www.freecreditreport.com I could see that I had a credit inquiry on XX/XX/XXXX with a stated " Removal date '' of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX ) XXXX This hard-pull decreased my credit score and may affect it until XXXX of XXXX! 

a ) While this is a minor issue compared to others, people with poor credit might be very adversely affected by this! 
b ) This smells very much like the XXXX XXXX scandal where they were opening accounts for people without their permission! 
c ) This type of pushy activity is particularly bad for the vulnerable, those without time, those without the clarity of mind to deal with it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was so stressed regarding to those unknown and inaccurate account that I've found on my credit report and I've sent documentation for almost 30 days now but I haven't received any response yet. I demand to REMOVE IMMEDIATELY those accounts or I will file litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion responded to consumer 's most recent dispute regarding inaccuracies reporting on consumer report. Transunion must report accurate information according to the Fair Credit Reporting Act. The inquiries, adverse accounts, and fraudulent collections accounts need to be removed immediately. Transunion responded that the information was verified and the FTC Fraud report was not valid. Consumer is now requesting that Transunion provide documentation used to determine inquiries were authorized by the consumer. Transunion has 10 days to provide consumer with the name of individual that verified the information, documentation that was used in the verification process, signed application containing wet signature and please note consumer is NOT ASKING FOR E-Oscar report. Consumer is requesting a copy of the Consumer File, Not Report. Failure to provide the mentioned documentation Transunion must delete the information/accounts immediately. Transunion is liable under the Security Exchange Commission to follow certain rules due to the fact that they are securitizing the data on the credit report. If this credit reporting issue is not resolved in good faith and promptly I will be filing an IRS form XXXX omb to audit consumers account. Transunion commission file # XXXX TRANSUNION INTERMEDIATE HOLDINGS, INC. ( f/k/a TRANSUNION XXXX XXXX, a XXXX XXXXXXXX XXXX XXXX XXXX, TRANS UNION LLC XXXX XXXX XXXX XXXX XXXX XXXX ( the Borrower ), the Guarantors, 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, as joint lead arrangers XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX as administrative agent and collateral agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed n accordance with the Fair Credit Reporting act Account Name : XXXX XXXX Account Number : XXXX Balance : $ {$19000.00} has violated my rights On XXXX XXXX I sent a letter to XXXX  for proof of original agreement. I haven't receive my documentation of proof instead a letter stating the account has been verified but I need to know how the account was verified. Furthermore, they are continuing to defame my character in my credit report. I have attached a printed document of them changing their remark reducing my credit score by XXXX points. This is grounds for removal and if this account continues to come back verified without the proper documentation, I will be forced to take further action. 


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 that a consumer reporting agency can not furnish an account without my written instructions. 

Also, the credit bureaus took more than 30 days to complete my investigation. 

According to U.S.C 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of failure or damages of less than {$100.00} and not more than 1,000.

I want 1,000 per violation, or the item immediately removed from my credit report. 


Violations : 15 USC 1681 ( a ) ( 4 ) rights to privacy.

15 USC 1681 ( b ) ( e ) false information.

15 USC 1681 ( b ) did not use way is fair and equitable to the consumer in reporting negative allegations without written permission 15 USC1681b ( a ) ( 2 ) need written permission.

15 USC 1692 ( f ) 15 USC 1681n
Product: Credit card or prepaid card

XX/XX/2019
I just received a request from DISCOVER Credit Card Service asking me to sign Document 4506-T. I appears to me, by signing this document, DISCOVER will then have access to my IRS tax returns and any other info IRS may have on me. DISCOVER did not require me to sign such a document when they extended me credit years ago so I don't see why they feel they are entitled to it today. I have been doing business with them for years and ALWAYS pay my bill on-time and in full. They told me if I don't sign, they will cancel my accounts. They have already froze my account so I can't even see my recent transactions or where I stand financially with them.  I have given them absolutely no reason to take this action.
Product: Mortgage

Im behind 2 payments due to an unforeseen situation. I can continue making my payments just need help with the 2 I am behind on. I have filled out cross country mortgage loan modification paperwork and sent in required paperwork XX/XX/2022. They requested more information and I sent it in. This has gone on for several months. The last information, they requested, I sent in on XX/XX/XXXX. I havent heard anything further. In the 3 months I have been trying to get help with them I have sent information to them they their loan solution website and emailed ( some info requested I had to send several times ). When I call to speak with my loan specialist ( or anyone that can tell me what is going on ) you are unable to. Whoever answers the phone can note my concerns and thats it. Not one person has called me, but they can have someone sneak one my porch to hang a yellow note on my door to call them ( and no they dont knock on the door to talk to me ). Its a bit disconcerting when every time I call for an update their first question is are you living at the property. Now since Ive called them a lot in the last 3 months you would think they would have written this down. I would appreciate any help. Im trying to recover from my hardship, salvage my credit and mostly keep my home!
Product: Checking or savings account

Morning of XXXXXXXX : Wells Fargo illegally placed a hold on a XXXX XXXX XXXX I deposited at one of their branches ( in the amount of {$88.00} ). I need those funds available NOW to pay a debt that is due today! I've tried calling several times and no one will help fix this problem! In fact, most of the time, I can't even get through to a live person, and when I do, they are usually XXXX XXXX  refuse to help, and/or just hang up! If I ask to speak with a supervisors, the XXXX  to whom I am talking just hangs up! This latter happened three times when I spoke to XXXX, XXXX ( the branch manager at the XXXX branch ), and XXXX. Additionally, all of these XXXXs refused to give me their employee numbers, last names, or where they actually work ( except for XXXX XXXX. I did get a " reference number, '' which is XXXX.
Product: Debt collection

I mailed this company a letter on XX/XX/XXXX with i response. I called XX/XX/XXXX and representative advised me they received the letter to validate this debt. Today is XX/XX/XXXX and I have not received a response from them. 
Pursuant 15 usc 1681g
Product: Credit reporting, credit repair services, or other personal consumer reports

so I have problems with a few companies and what they are reporting on me the companies would be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and MEDICAL BUSINESS BUREA.These companies are reporting false information to the data furnishers which results in my credit report being inaccurate and has a major affect on my score. I have spoken with XXXX XXXX XXXX XXXX XXXX  and ask them to update the information due to fraud with my identity I also have the case on file with the FTC and XXXX. It is a unknown bill in my name reporting collections from XXXX in the amount for {$1600.00} on my XXXX. XXXX XXXX XXXX is reporting a closed account in my name for the amount {$17000.00} They also are updating a balance on account that presumes as closed which is also in violation of my consumer rights according to the FCRA. As for MEDICAL BUSINESS BUREA they are reporting a collections account in the amount of {$4800.00} due to the fact that I had my baby on XXXX XXXX and they are charging me for an unknown service that I have no knowledge of because before even having my baby They were asked do they take my insurance and the hospital that performed the XXXX ( XXXX XXXX XXXX XXXX  ) assured me that they accepted my insurance at the time which was XXXX XXXX XXXX and it would be billed to them now years later I am seeing a billed collection in my named due to misinformation on the health providers side. Also XXXX deleted it off of my account now XXXX and XXXX are showing inaccuracy because they will not delete it and the account was never verified by me I also spoke with them and the account is under dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 60 day late payments on an account with XXXX XXXX XXXX on my TransUnion report and a 30 days late payment on an account with XXXX XXXX XXXX  on my XXXX report but I was never late. Consumer Reporting Agencies has assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXXXXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If Proof cant be provided, I demand this account be removed from my consumer report as I was NEVER Late. Thanks
Product: Credit reporting

I have a notice on my credit report from XXXX XXXX XXXX that a loan that I co-signed for is in collections. The loan was my sister 's and showed up on my credit report after she declared bankruptcy. My dispute is that the l last payment on the loan was in 2008, and the creditor has systematically moved the last payment date to keep the account on my credit rating. This is illegal, and all three credit bureaus have allowed to continue. By law, this should have been removed after 7 years. Repeated requests to both the credit reporting companies and to the creditor for documentation has been ignored -- another violation of federal law.
Product: Credit reporting

this previous address not related to me, never was associated with this address XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to you to remove or update the inaccurate information about reporting a late payment on my account with XXXX ( Account Number : XXXX ). According to my records, I have never made a late payment on this account during the reported period of XX/XX/year>. The incorrect information is significantly impacting my credit score and hindering my ability to obtain credit.