23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In   XXXX   I applied for student loans through  XXXX   XXXX  which is now Navient. I am now in debt for about  XXXX . At  XXXX  in   XXXX   I did not establish credit so my parents consigned my loan for me. My parents have always had  XXXX   credit score  but Navient/  XXXX   XXXX   still gave us a very high interest rate of 24 %. It was n't until recently when I lost my job and was able to lower my interest rate. Every time I 've called in the past their only option for me is to refinance the loan or use another loan company to pay off the loan and start paying them. I 've been researching online about the lawsuit out against the private loan company. I feel like I was wrongly represented by Navient and was given a high interest rate off the bat even though my parents had excellent credit. I have been struggling to pay off such a large around and it has affected my credit. If there 's anything that can be done for me to get this loan forgiven I would truly appreciate anything that can help
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is there a statute of limitations if it is not being followed? 
I have notified your company several times, the following SIX LOANS WHICH TWO ARE DUPLICATES LISTED ON MY CREDIT HAVE A DLA FROM WHEN I LAST PAID 7 YEARS AGO. WHY ARE THEY STILL ON MY CREDIT? 

I consolidated many years ago. These companies didn't validate or verify anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Home Depot XXXX XXXX asked me to pre-approve for a credit card I was turn Down And it's hard inquiry been on my report ever since last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this Please help me with this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a {$19000.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file. ( XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2016 Balance {$19000.00} )
Product: Credit card or prepaid card

This regarding a Capitol One Quicksilver credit card opened in XX/XX/XXXX and ending in the last XXXX digits of XXXX, credit report shows late payments from XX/XX/XXXX XXXX due to hardship endured during the covid XXXX pandemic and my state of residence, California, was under a full lock down. The amount due was paid but was late due to the financial hardship encountered. Contacted Capital One and they said that theres not anything they can help me with regardless of the pandemic situation. This negative remark is impending my ability to apply for a home mortgage.
Product: Credit reporting or other personal consumer reports

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

I was trying to get my son a new vehicle because it broke down. My salesman told me that I would be eligible, but with a very high interest rate due to credit. I then asked to see my report and realized there was things on my there I have never seen. These items need to be removed immediately. 

XXXX XXXX {$9000.00} XXXX  XXXX {$4600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 Please forward this to the Director ....

Good Day XXXX XXXX The recent news that the CFPB has opted to 'dial back ' the investigation of Equifax is inexcusable!

I am forever harmed ... repeat that I AM FOREVER HARMED by the Equifax breach. I can't change my history ; I can't change my social security number there is nothing I can do other than freeze my credit which I have done.

Do not let up on this probe, in fact it is paramount that the investigation perform a deep dive.

If criminal behavior is revealed, then the appropriate punishment, including time in a Federal Penitentiary should be included - even if it involves a high up Equifax executive ... that is probably influencing the diminishment of the probe.

Please do the job that we have entrusted you to perform and do it well.

Thank you
Product: Student loan

I received a letter from one of my loan services Navient dated XX/XX/XXXX stating that I needed to renew my repayment plan. The letter stated I needed to reapply by XX/XX/XXXX and gave XXXX as an option for reapplying. 

On XX/XX/XXXX I submitted an income driven repayment plan application online at XXXX XXXX to be sent to both XXXX XXXX and Navient. 

On XX/XX/XXXX I received an email from Navient stating my electronic application for an income driven repayment plan had been received. It also said that if I used the IRS data retrieval tool- which I did- that there was nothing I needed to do now. 

I received a letter from XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX stating that my IBR payment had been recalculated and was effective until XX/XX/XXXX. 

On XX/XX/XXXX I sent a letter to Navient explaining that I had submitted my information online for recertification and had received email conformation from them on XX/XX/XXXX that they had received it but had heard nothing since. I asked for written confirmation that my account had been updated. 

On XX/XX/XXXX I received an email from Navient stating that they had not yet received my renewal application.
Product: Mortgage

I received notice from SPS servicing about possible referral for legal action.. I immediately email XXXX as direct on the notice. Stating I appeal my case. And also Called the company to request a call from my relationship manager. Never received a call. I then placed another call on XX/XX/XXXX and spoke to a representative whom stated she will have someone call me back and gave me a quote of just over XXXX XXXX to be paid by XX/XX/XXXX. 

Therefore, XX/XX/XXXX I paid XXXX XXXX through money Pay at XXXX as directed by sps. After never receiving a call from sps. I called again XX/XX/XXXX. Spoke to another rep whom stated to paid a little over {$1900.00} by XX/XX/XXXX. I told her no problem I would pay it the following Tuesday. 

On XX/XX/XXXX I finally received a call from a representative whom stated she was my relationship manager and to pay XXXXXXXX XXXX Tuesday and my account will be all clear. While speaking with the relationship manger I paid XXXX XXXX She assured me she was noting my account and she will contact me Friday XX/XX/XXXX. I never Received this call. However. XX/XX/XXXX I check my messages and I have a call from pay center stating my XXXX. Paid on XX/XX/XXXX was rejected by sps and please return to XXXX to request a refund. I guess Im definitely confused seeming its not XX/XX/XXXX and the amount was paid in full by XX/XX/XXXX 10 days ahead of the requested date. 

I have tried reaching back to this company and havent had a response yet. 

Also, my mortgage was supposedly transferred once the previous company had a class action suit against them from not properly obtain homeowners insurance but charging for it. 

After I questing my escrow balance. Seeming if they never paid into the homeowners insurance. I shouldve had an escrow credit. I then landed with SPS servicing. 

Im kindly asking for this situation to be addressed immediately and report my mortgage as current with all reporting bureaus. 

Thank you kindly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 Accounts : XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Inquires : XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have screenshots of a conversation I had with a TransUnion rep via XXXXXXXX XXXX XXXX ) where the employee asked if I had a " twin brother. '' They saw two profiles for me, this after no reports showed up. 

I ALSO disputed a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It's in XXXX, Ohio. For some reason it's still there. 

I'm a XXXX, not a XXXX. That's a new one for me. 

Hackers can take things off your report and put them back. They usually do this for themselves, affording them the opportunity to take out several loans then erase the debt. Should they be investigated, it needs to be in a stealthy way. If you alert them ahead of time, they can and will put the debt back online.
Product: Checking or savings account

Navy Federal Credit Union Checking & Savings Accounts Issue : Unlawful Account Closure, Credit Discrimination, Fiduciary Misconduct Navy Federal Credit Union closed my checking and savings accounts without justification, citing a discharged debt and improperly linking different accounts to restrict my access to funds. The debt had already been legally settled per Public Law 73-10, 12 U.S.C. 411, 31 U.S.C. 5118 ( a ) ( 2 ), 50 U.S.C. 5118 ( b ) ( 2 ), and UCC 3-402. NFCU is obstructing commerce in violation of 15 U.S.C. 1 and failed to disclose its role as a fiduciary, which is a breach of trust law. Additionally, they violated 15 U.S.C. 7001 ( UETA Act ) by refusing to recognize digital financial agreements. I demand my accounts be restored, new debit cards issued, and my rights as a grantor, beneficiary, and surety be honored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a with CAPITAL ONE BANK USA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account XX/XX/XXXX. Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Loan has been paid in full and as agreed, but it is showing up as a derogatory account.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. 
I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX  XXXX XXXX ( XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given Chex system permission to furnish information on my consumer report
Product: Credit card or prepaid card

No explanation. Received nothing after several times. Been waiting for months. Not even a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spent over two hours on the phone with Equifax trying to resolve an error on my credit report. I explained to Equifax customer care reps that I did not have a confirmation number and that apparently made them angry. When I explained that I had Equifax 's XXXX  service, they had no idea what that was and demanded to know if I had requested a credit report or not, and if not, then how did I have any information about my credit report. 

I first spoke to a rep named XXXX in the Equifax dispute department. She was rude and dismissive. When I asked to speak to her supervisor, she put me on hold for 25 minutes. XXXX who was supposedly her supervisor, who supposedly works out of Disputes in Nevada made me answer the same 20 questions I answered for XXXX and then after answering all 20 answers again ( with actual information from my online accounts, all correct up to the minute ), he said ONE of my 20 answers was wrong ( wouldn't say which one ) and so therefore they will NOT correct the errors on my credit report. 

How can I get the error on my credit report corrected when Equifax is refusing to do so?
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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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

I have a  Costco Anywhere Visa Card by Citi Visa a nd have been pursuing a resolution to a disputed transaction for over 4 months.     On  XXXX   XXXX ,  XXXX  we made a reservation at  XXXX   XXXX  for {$620.00}. Later that day we realized we did not need the reservation and cancelled. The resort issued a credit for that amount the same day.     On  XXXX   XXXX ,  XXXX  ( the day we had originally planned to stay  )   XXXX   XXXX  charged us {$620.00}.     On  XXXX   XXXX ,  XXXX  we disputed the charge with Citi and they issued a conditional credit for {$620.00}.     On  XXXX   XXXX ,  XXXX , Citi reversed the credit.     My wife and I have made over half a dozen communications to Citi regarding this issue and are no closer to a resolution. I have a dispute number of  XXXX . Per their request I have asked in writing ( via email to  XXXX  XXXX  XXXX  on  XXXX  ) to reopen the dispute.
Product: Credit reporting

I needed a credit report for a state bar application and I chose Experian. Their records were not current in some instances and so I submitted a dispute. This was resolved but the closure dates on XXXX accounts changed from the original date that each creditor had on record to the date of the dispute. I filed a second dispute to correct this issue and the dates merely changed to the date of the new dispute and did not reflect the original date of closure. For XXXX days from XXXX to XXXX I called Experian and the XXXX card companies getting conflicting information and endless blame shifting and stone-walling to correct a simple record-keeping error. The credit card companies also informed me that disputing inaccurate information would harm my appearance of creditworthiness! Experian refused to consider that both XXXX and XXXX had the correct dates and that the card companies had never changed these dates and had consistently reported the correct and original date of closure in all three instances. The changes were happening only at Experian and they gave me conflicting procedures on how to 'change the date back to the original date, ' a problem that only ever existed in their system. The card companies happily offered to send letters to me with the original dates, but could not send an update to Experian because their own records already reflected that they had sent the proper updates, including the original closure dates. There was no change to be made 'in fact ' only in the record keeping of this one reporting agency. Each time I spoke with Experian the procedure for fixing the issue changed. I only wanted accuracy and honesty for the benefit of my bar application. Little did I know I was harming my credit by filing disputes on long since closed and good credit accounts. This is an ongoing Orwellian nightmare, and if it is not soon resolved it may harm my bar application process!
Product: Credit reporting or other personal consumer reports

THE COMPANY CHARGED OFF THIS ACCOUNT AND FILED ON THEIR TAX RETURN. 15 USC 1681 ( e ) B. I REQUESTED A 1099C AND HAVE NOT RECEIVED IT. ACCORDING TO THE IRS, THIS DEBT IS CONSIDERED CANCELED. THIS ACCOUNT SHOULD NO LONGER BE REPORTED WITH A BALANCE REQUESTING PAYMENT FROM ME. 

Account name XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX
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 the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

We have observed an issue where Experian is displaying an inaccurate balance for our XXXX XXXX. The statement period ended on XX/XX/2024, yet the update has not been reflected. The balance currently shows as {$8000.00}, which is incorrect. This discrepancy is adversely impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed a letter to experian information services to update my current address and remove all other address on my report because they are not accurate. I have submitted information to verify my identity and my current and accurate address. Experian has notified me that they can not remove any addresses.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.