23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The short story is that my interest remains capitalized on my FedLoan Servicing account, despite that it was a mistake from FedLoan Servicing. 

Background : On XX/XX/XXXX, I received notice from FedLoan Servicing that my annual Income Driven Repayment ( IDR ) paperwork was due, as it had an expiration of XX/XX/XXXX. On XX/XX/XXXX, I submitted my paperwork via an upload on FedLoan Servicing website. On XX/XX/XXXX, I called regarding a separate topic ( PSLF ) and I confirmed my IDR paperwork was received. On XX/XX/XXXX, I received written notice that my Income-Driven Repayment Plan paperwork was not submitted, and therefore my interest was capitalized and a standard repayment beginning date of XX/XX/XXXX. I called numerous times between XX/XX/XXXX and XX/XX/XXXX regarding the issue that my paperwork was submitted for the annual review and therefore the interest capitalization should be recalculated. I authorized an administrative forbearance in XX/XX/XXXX and then rescinded ( forbearance matter was resolved ). I was informed during the phone called on XX/XX/XXXX, that the interest capitalization was reversed in XX/XX/XXXX, but due to an administrative forbearance, the interest was capitalized again. FedLoan Servicing representative reported he will submit a review and this will take 7-10 business days. The 7-10 business days had passed and this matter remains unresolved. 

I am requesting FedLoan Servicing correct the interest capitalization with the last correct date of XX/XX/XXXX, due to no fault of my own. I am willing to submit documentation to assist in this matter.
Product: Credit card

XX/XX/23 : Citicard notified me about fraudulent charges. I confirmed by phone that they weren't mine and they cancelled my card and assured me the charges would be removed. The charges were removed on my next statement in XXXX. 

XX/XX/23 : I noticed the charges had been added back to my XXXX statement. I called and they confirmed that the dispute had been reopened because the merchant had responded and said the claims were valid. The charges were from a grocery store in towns I have never visited in XXXX. ( I live in XXXX XXXX. ) XX/XX/23 : I sent 2 forms by email that Citicard requested verifying that the charges were not mine. One of them is attached. 

XX/XX/23 : I called again because the charges had not been removed. I was advised that they would reinvestigate it and let me know. 

XX/XX/23 : I called again because the charges had still not been removed. The representative assured me that the forms had been received and she would make sure they went to the correct department. She said I should get a response within 10-12 business days. I have not heard from them since.
Product: Credit reporting

In XXXX 2015, a court order for arrears in child support was entered. The court ordered judgement explicitly said that as of XXXX XXXX, 2015 a debt of {$22000.00} was owed ( agreement between parties, including " unreimbursed medical expenses and arrears in child support '' ) .The Office XXXX Texas has been reporting incorrectly a wrong balance, that is being paid down every month, and, despite my many emails, phone calls and complaints on their website, is not correcting the wrong information. I had submitted a complaint through XXXX and Equifax ... at first they deleted the wrong info but now they are reinserting the SAME wrong info. 
All I would like is XXXX that the Texas XXXX enters ACCURATELY the judgement and XXXX that XXXX and Equifax reflects this accurate info and did not even VERIFY whether the info was accurate or not. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps calling me about a FTC violation on the account have them quit calling remove the wrong address that the ftc was created : XXXX XXXX XXXX XXXX  tx XXXX FTC violatons XXXX also
Product: Credit reporting or other personal consumer reports

EXPERIAN failed to Provide me with evidence that I gave them written instructions to create a credit profile on my behalf. which by law they would have needed to furnish a report on, a fraudulent consumer report has been created using my personal information. 
Proof of EXPERIAN violation of 15 U.S. Code 1681b ( a ) ( 2 ), which is considered aggravated identity theft under 18 U.S Attached to this default notice, legal notice and demand are original creditor 's personal identifiers Also Attached are certified copies of XXXX filing as evidence. All debt obligations of the XXXX, XXXX XXXX, are owned by XXXX XXXX Experian XXXX acting as XXXX for XXXX XXXX NOTICE OF XXXX26 U.S. Code 6903 - Notice of fiduciary relationship ( a ) Rights and obligations of fiduciary Upon notice to the Secretary that any person is acting for Another person in a fiduciary capacity, such fiduciary shall assume the powers, rights, duties, and privileges of such other person in respect of a tax imposed by this title ( except as otherwise specifically provided and except that the tax shall be collected from the estate of such other person ), until notice is given that the fiduciary capacity has terminated.
Product: Credit reporting or other personal consumer reports

I am the creator/settlor of a credit transaction with XXXX XXXX XXXX 
My credit report is showing evidence of a series of late payments which are not reflected accurately. All credit reporting must be fair and accurate. Unfair reporting and inaccuracies are not equitable to me and are causing XXXX XXXX and other financial damages. Furthermore, the mortgage account should never be marked late because I have already given full consideration in the form of a collateral security at the inception of the transaction. 

The inaccurate late payments are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Amazon Visa card application. It provided a section where you can check if you prequalified without hurting your credit. Followed the link and received a congratulations you qualified. Started to and filled out application and submitted. It came back with you are not approved. So not only are they deceptive, but also intentionally hurting your credit score. I have excellent credit score of XXXX. Now it is affected by this intentional and willful act of deception!
Product: Money transfer, virtual currency, or money service

PNC will not approve XXXX to direct deposit money into my account. They said they have reached out to PNC with no avail. I need weekly deposits for XXXX XXXX
Product: Credit card

Before I got divorce my ex wife ran up the target and XXXX credit card. The divorce accord said she would take all responsibility on the target card and I would assume the XXXX card. In the accord it said my name would come off the card and not being affected by the amount of money or the credit score The target card number is XXXX and would expire on XXXX. My court number is XXXX from the state of Michigan. So I would like to have my name and credit off the credit card. She has frozen the account and is making payments on a fix plan
Product: Credit card or prepaid card

I recently noticed some strange charges on my credit card statement online on XX/XX/XXXX. I immediately contacted Capital One and informed them of these fraudulent charges. They immediately cancelled my card and sent me a new one and removed the charges while they conducted their investigation. 3 days later on XX/XX/XXXX I received an email stating that my claim was denied and that the charges will be re-applied to my account. I contacted them directly and spoke to a Manager in the fraud department and they said that they would reopen my case and file an appeal and have their specialist look further into this matter. I patiently waited the 7-10 business day period for the investigation to be finished. I called back 13 business days later since I did not receive a call or an email in regards to the appeal. When I spoke to another manager in the fraud department they concluded that my card was obviously used and that they would not reverse the charges. 

Here 's the problem with that resolution, I live in XXXX, Florida and those charges were made from 2 restaurants and a parking garage in XXXX XXXX, California. They also were for fancy restaurants that even here in XXXX I would not regularly eat at since they are very expensive. Due to Covid, I have not traveled to anywhere other than a few cities in the state of Florida since XXXX of XXXX. How I am being held responsible for charges at these locations that are over XXXX miles from where I live? This is clearly fraud and Capital One does not want to uphold their 100 % zero fraud liability guidelines that they so proudly advertise. I have never been late on any of my payments since I established the account and even paid off my complete balance at the beginning of this year. All I want is for those 4 charges to be removed from my account, and also not be held responsible for the interest associated with those charges either.
Product: Credit card or prepaid card

I accidently made an over payment to my Capital One Master Card ( CP1 ) in the amount of {$2400.00}, resulting in a positive over balance of nearly {$1900.00} to my account. This accidental over payment caused me to be over drawn in my checking. I asked on XX/XX/2020 CP1 supervisor XXXX  to return my payment and asked if could be done electronically for speed as opposed to their offer of returning the payment by check via USPS. Supervisor XXXX said yes they could but the processing of the payment had to be completed so to call tomorrow ( she also documented the account ). I called on XX/XX/2020 and talked with CP1 supervisor XXXX. We told her this over payment was an accident and it has caused a large over draft and to please quickly and electronically refund the payment of {$2400.00}. Supervisor XXXX refused stating that they can only return the credit balance of {$1900.00} ( vice the payment of {$2400.00} ) and that it had to be by check sent USPS taking 7 to 10+ business days. Supervisor XXXX decision differed from the supervisor the day before and it is injurious to me as I shared I needed the funds back soon as possible because I am on a budget and my checking was over drawn. Instead, Capital One policies allow them to bank my over payment monies for some 10-15+ business days ( half a month ) awaiting the check to arrive via mail and of course the time it takes to clear and process the check. There is no logical or valid reason not to electronically transfer the funds back quickly as I had requested. Supervisor XXXX said they would only do electronic if it is their error. Their biased policy is not only slow and customer unfriendly it allows CP1 to bank my over payment and earn their own interest to my demise. Request CP1 electronically transfer the funds ASAP back to my checking ASAP and notify me of same.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, i provided all the letters i received from all creditors and provided to all three credit bureaus and as of XX/XX/XXXX, the accounts are not reporting accurate, and the others are not removed per the creditors requestXXXX XXXX is current and never paid late and the credit reporting agency is reporting several late payments.
Product: Credit card or prepaid card

Situation : I commissioned into the XXXX in XXXX of 2017 and in that same month as I have now realized, a family member unknowingly utilized my personal details to create a credit card and leave a balance of {$2400.00}. In that time frame payments were being made on it but then have been stopped in recent months. I have started monitoring my credit history and report for the last 4-5 months and discovered that this credit card had been closed with a balance due to inactivity. I had remembered that this family member briefly mentioned this account after applying for it but did not know what the intentions for the card would be. I did not know whether the account was officially approved nor was there any information provided to me as to whether or not the he/she actually did apply. In the last 2 months, I have asked the bank to conduct an investigation on the fraudulent activity as it has had a negative impact on my credit history. They conducted an internal investigation which they have said can be rebutted but state the following : Since payments on the account were made and I was also an account holder on this joint account, they have concluded that it was not opened fraudulently? However, when I spoke to a representative of the bank, they stated that I would have to provide information to them prior to the investigation being closed out. BLUF, if possible, can the card be removed from my report if I unknowingly had thecard on my report? Lastly, they are requesting payment of the {$2400.00}, of which I spent {$0.00}. Additionally, I have tried to report it to the local police where my family is staying and where the incident occured but have said that they can not conduct an investigation because they can not validate my identity as I am overseas serving the military.
Product: Credit reporting or other personal consumer reports

I need to resubmit this complaint to TRANSUNION. I have communicated with them about the inaccuracies on my credit report, including discrepancies in the dates of the last movement, dates opened, dates detailed, and installment status. Despite their assurance of conducting a thorough investigation, more than 30 days have passed, and upon checking my credit report, I see no changes and no corrective actions have been taken. My rights have been overlooked on multiple occasions.

According to 15 U.S.C 1681 Section 602 A, I have the right to privacy. Additionally, 15 U.S.C 1681 Section 604 A Part 2 stipulates that a consumer reporting agency can not furnish a report without my written instruction. To formally address this issue, I filed an FTC report with the report number XXXX.
Product: Credit reporting or other personal consumer reports

I contacted a car dealership about purchasing a vehicle that I was notified was sold. The salesman then told me about a similar vehicle and offered it to me. While we discussed the vehicle, he said to fill out this financing form so that we can discuss more accurate numbers. While filling out the form I noticed a check box that said I authorized the dealer to run my credit. I immediately stopped and wrote the salesman, asking if the form would not be submitted until we discuss specific numbers, to which he replied correct. I sent them the form and the sent me a breakdown of numbers to which I denied. The manager then offered to send the form off to a few banks to see what the exact numbers would be, to which I replied no not at this moment. In the days later I received notifications from the credit agency Experian that there were credit inquiries made by that dealership. I've spent three days contacting the salesman and managers but received no response. This unethical dealership tactfully deceived me through unprofessional actions. I need the unauthorized inquiry off of my credit report.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam Recent indicate that the individuals associated with XXXXXXXX XXXX XXXX Department of Government Efficiency ( XXXX ) have been granted unauthorized access to the U.S Department of Education 's federal student aid systems. This access includes sensitive personal and financial information of millions of borrowers, included myself. 
Specifically, it has been reported the XXXX representatives have been feeding data from the Education Department into artificial intelligence systems maintained by third parties, subjecting the data to significant security risks. 
As a borrower, i am deeply concerned that my personal information, including my Social Security number, tax identification number and financial records, has been accessed and potentially misused without my consent. This unauthorized access constitutes a gross violation of federal privacy rights and nullifies my enforceable loan agreement under federal law Legal Grounds for Discharge : 1.FERPA Violation : The exposure of my educational records without my express written consent is a direct breach of FERPA, which mandates the protection of personally identifiable information. 
2. Violation of Privacy Act of 1974 : The mishandling and authorized disclosure of my personal information contravenes federal requirement that safeguard the privacy of individual 's data managed by federal agencies and contractors. 
3. Breach of the Higher Education Act : compliance in loans transfers. 
The Higher Education Act requires servicers to maintain strict confidentiality and compliance in loans transfers. The transfer of loans to XXXX XXXX XXXX XXXX subsequent data breaches demonstrates clear negligence. 
4. Breach of contract and Data Security obligations : By failing to protect my sensitive information, XXXX have breached contractual terms and obligations, rending these debts unenforceable. 
Demand of Resolution : Given the severity of the breach and the resulting compromise of personal and financial information, I requested that you immediately cancel and discharge my student loan debt in full. Immediate and unconditional cancellation of all financial obligation associated with my student loans. 
Complete removal of all XXXX related entries from my credit report. 
Written confirmation of this cancellation and credit correction within 30 days If my demands are not met, I reserve the right to pursue all available legal remedies from these privacy breaches and Violations of federal law. 
Your prompt attention in this matter would be greatly appreciate Thank you, XXXX XXXX
Product: Checking or savings account

Called my bank on XX/XX/2020 about unathorized transactions.

They gave me a credit the following day.

Total amount was {$5700.00} They also provided me with a new debit card.

After that date i had no more unathorized transactions.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX
Product: Debt collection

I requested information about a debt I noticed on my credit report. When I provided my name, date of birth, and the original creditor listed on the debt they were unable to find it.
Product: Debt collection

Nelnet hit my credit 4x 4x that is crazy why 4 tho. I need this removed asap
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

the following account are inaccurate are XXXX XXXX XXXX ( ALL ACCOUNTS ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize how account XXXX XXXX is reporting on my credit report. I do not recognize the account number, account status, account high balance, or late payments associated with it. Everything reported here does not meet FCRA. 

Additionally, this account is listed as a charge-off on my credit report, however I never received a 1099-C for this account. 

Furthermore, this account has been removed from XXXX and XXXX but is still being reported by Experian. This is inaccurate information and must be removed immediately. I am entitled to fair and accurate reporting.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 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 XXXX  days before the payment due date.

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

I have requested proof that this information was mailed or delivered XXXX  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