23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX & XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX These Inquiries are reporting on my personal credit file with ( XXXX/TransUnion ) credit reporting agency . These Inquiries were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Product: Student loan

Navient grossly mishandles loan payments. While it is apparent that the lender receives the overwhelming majority of protections compared to students that take out loans, Navient payment processing is worse than any other payment processing I encounter for various other loans/recurring payment apps ( car loan, bank loan, credit card payments, etc. ). 

If I make a student loan payment on the same day as the other payment types mentioned above, Navient will withdraw the money from my bank account before the other institutions that I make a payment to - and yet my Navient payment posts to my Navient account after every other payment I make. This is not a problem, except that Navient is constantly assessing interest on the amount prior to the payment. There is no reason that Navient should be able to charge interest on an amount they have already withdrawn from my bank account. 

Not only do they mistreat lenders financially, but they leave no other alternative to changing loan servicer other than consolidating loans to switch servicer. This is a poor option for myself and many other lenders since interest rates and amounts borrowed can fluctuate from one academic year to the next, especially if you receive a graduate degree and use federal student loans to pay a portion of expenses ( since these interest rates are higher than those for undergraduates ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lease with an auto company and i had all my payments set up on automatic payment so i know i never missed a payment. The only thing i can think of is that somehow there was a problem with the automatic payment setup. but when i called the company they said that there was never a late payment but on my report it shows a 30 day late. I have tried correcting this with the company as well as the credit bureaus but had no success. Please help me to get this removed as i was never late and it shouldn't be on my report.
Product: Debt collection

On XX/XX/XXXX, I was contacted by " XXXX '' representing a 3rd part debt collection agency, representing Santander Bank, on a vehicle loan that originated in XX/XX/2007. He threatened to garnish my wages, proceed with legal action and notify my employer of my delinquency, The amount owed is {$3200.00}. This is the 8th call I have received TODAY this number and the 43rd call I have received in the past week, resulting in being harassed as well. When speaking with XXXX, he was extremely pushy with his suggestions to resolve the debt and would not take " no '' or options that I offered up for resolution. He got his manager involved and told me that I could lose everything if I didn't settle this today, offering to take 1/2 the payment today as long as the other half was paid in full by XX/XX/XXXX. This account DOES NOT show on my credit report as it was removed almost 5 years ago.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Company Name : XXXX - Date of Inquiry : XX/XX/year> Company Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year>
Product: Credit reporting

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I had an Auto Loan with XXXX XXXX that is paid off but showing a balance. I spoke with my Personal financial Consultant on this matter XXXX XXXX XXXX ask me to get a letter from XXXX XXXX showing the balance is " XXXX ''. I like to address the issue with you concerning TransUnion reporting tactics on my credit report. This is not a frivolous dispute and the word dispute needs to be removed off my credit report because this is a legitimate case and I will be providing the letter from XXXX XXXX. So, that TransUnion can change the balance owed to XXXX and take the word dispute off my credit report.
Product: Debt collection

Starting XX/XX/2022 credit control LLC call me at XXXXXXXX XXXX  mountain time for XXXX XXXX XXXX telling me about a debt I owe I explain that I didnt have the money to pay the debt. The next day the company call again XX/XX/XXXX at XXXXXXXX XXXX mountain time from XXXX XXXX XXXX I told them that yesterday I spoke to someone and explain I dont have the money to please stop calling me. On XX/XX/XXXX at XXXXXXXX XXXX mountain time from XXXX XXXX XXXX another call. Another call on XX/XX/XXXX at XXXXXXXX XXXX  eastern standard time from XXXX XXXX XXXX and again today XX/XX/XXXX at XXXX XXXX  eastern standard from XXXX XXXX XXXX. The law says The federal Fair Debt Collection Practices Act specifically gives you the right to sue a debt collector for harassment. If a debt collector is found to have engaged in harassing behavior, you are entitled to up to {$1000.00} in damages, along with court costs and attorney fees.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

have submitted multiple requests to have inaccurate data removed from my credit report. I feel as if Experian is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and several request with cfpb and nothing is being done by Experian. According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and Experian has refused me that right. I made a call to Experian XX/XX/XXXX and was denied my right by a rep name XXXX. Furthermore there is a bankruptcy that is reporting on my credit file that does not belong to me. I have disputed this several times and it is constantly coming back as accurate and there is no way this bankruptcy belongs to me. I have written the court and asked that they explain to me why this bankruptcy was showing on my report and I never filed bankruptcy and the US Bankruptcy court advised me that they do NOT share information with the creditors. In XXXX a law was passed stating that medical bills and bankruptcys can not show on someone's credit report if the report does not have a special feature that proves its you. ( Such as date of birth last 4 of ss # ect ) I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that CFPB steps in and ensure that the credit bureaus does what is right under the law.
Product: Credit reporting or other personal consumer reports

Hello, Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving unresolved inaccurate or unverifiable accounts. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the experience, where Experian has neither corrected nor removed disputed items despite evidence I provided, Causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

I went to purchase a vehicle from XXXX XXXX XXXX  in XXXX RI I purchase a XXXX XXXX XXXX  under the impression the purchase price would be XXXX I gave the dealership a XXXX deposit and continued to the office for a loan on the remaining balance which would have been XXXX they told me my payments would be XXXX a week and that was it I walked out the office and got my keys two years later after I had paid almost XXXX I contacted credit acceptance to get my title they then proceeded to inform me that I did not take out a loan for XXXX but for XXXX in which case I was not aware of Ive tried to settle this account for 2 years and they refuse to work with me only to report to my credit report that I still owe them another XXXX for the vehicle then fast forward my car was deemed a total loss they sent me a letter for a settlement for XXXX when I tried to settle it they refused to take my offer or my payments and have continued to report to my credit report and kept harassing me for more payments even when I asked for a hardship because I fell sick they have refused continue to ruin my credit and my hope of ever buying a home for my children credit acceptance is a fraudulent company that ruins lives
Product: Credit reporting 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 name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX 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 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 informationisinaccurate.
Product: Debt collection

Right NOW i am going through a financial hardship. I advised LOAN me not to call my employer. Today at XXXX PC a rep by the name of XXXX contact me ... i asked why was she calling my employer ... i told her i advised them not to ... she then went on to try to discuss a settlement while im on the phone at work. This was embarrassing and can cause me to lose my job!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance XXXX {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$270.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX ( Original XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for their continued failure to delete a fraudulent account from my consumer report ( credit report ). This account has been reported by TransUnion for over a year, despite my repeated requests to have it removed. The account in question is from XXXX XXXX XXXX, with the account number # XXXX. 

I have already submitted a FTC Identity Theft Report, which clearly documents that this account is fraudulent and should be deleted from my consumer report. However, TransUnion has refused to take any action and has continued to report this account, which has damaged my credit score and made it difficult for me to obtain credit or loans. 

TransUnion 's failure to delete this fraudulent account is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite having knowledge of the fraudulent nature of this account, TransUnion has not done any due diligence to investigate the information they have reported, which is a further violation of the FCRA. 

I am requesting that the Consumer Financial Protection Bureau take immediate action to hold TransUnion accountable for their actions and ensure that they comply with the FCRA. I am also requesting that TransUnion take immediate steps to remove the fraudulent account from my consumer report and provide me with a corrected copy of my report. 

In addition, I request that TransUnion block any further attempts by the fraudulent party to create or use accounts in my name. This is necessary to protect my identity and prevent any further damage to my credit score. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

My wife and I have several credit cards that we have charges on that are fraudulent. We were gullible when contacted by phone for grants and internet web site development. We put large charges on our cards to pay for what I mentioned but nothing came about from them. When we filed for a charge back on the cards the banks refused to give us back our money. We want to know how we can get our money back from scammers that promised much and did nothing.
Product: Money transfer, virtual currency, or money service

For much of XXXX and XXXX, I paid my $ 8500 monthly rent to my landlady, XXXX XXXX, via XXXX, in XXXX payments of {$3500.00}, {$3500.00}, and {$1500.00} ( {$3500.00} is XXXX 's limit per transaction for any 24-hour period ). On XX/XX/XXXX, my second payment of {$3500.00} went through, and I have four digital proofs of payment, including a text message from XXXX saying that she had received it ( see attachments ). Then, a few days later, she wrote to tell me that her bank ( XXXX  ) had been taken over during that same weekend by XXXX XXXX XXXX  ( see the bank 's letter of XX/XX/XXXX ), and that XXXX XXXX had blocked that XXXX transaction, but that they would be reverting the {$3500.00} to me. I had two three-way conversations with a representative of XXXX XXXX and XXXX between XX/XX/XXXX and XX/XX/XXXX. In the first, the representative said it was returning my money to my Bank of America account via an ACH, and that money would reach my account in 3-5 business days. In the second, the representative insisted that the issue was out of XXXX XXXX hands, and that I should have the Bank of America " open an investigation '' into the affair. Following that, I learned from XXXX that XXXX XXXX insisted that the {$3500.00} should have automatically bounced back to the Bank of America ( see XX/XX/XXXX text message ). 
On XX/XX/XXXX, XXXX XXXX, the attorney I had originally engaged for this case, provided me with her transcript of a phone conversation she had with XXXX XXXX XXXX, a representative of XXXX XXXX XXXX  ( see attachment ). According to XXXX XXXX, the {$3500.00} would be refunded into XXXX XXXX account and that she will need to pay you back. ( XXXX has constantly maintained that the amount has never been credited to her account. ). However, XXXX XXXX also told my lawyer that XXXX informed the bank that they would actually refund you the money within 7-10 business days because they regarded it as a XXXX reject since the money was not received. However, the bank found out later that XXXX did not do this. 
On XX/XX/XXXX, I filed a request with the Bank of Americas XXXX department to recover the {$3500.00}. The representative with whom I filed the request told me that the bank would open the case within ten days, and provide me with a resolution in the 45 days that followed. Those two phases of the banks investigation are documented in the attached notices, the last of which, dated XX/XX/XXXX, denied my claim for reimbursement of the {$3500.00} lost between it and XXXX XXXX XXXX  on XX/XX/XXXX. More recently, a complaint I filed with the CFPB against XXXX XXXX XXXX  resulted in a denial by the bank of any responsibility ( see attachment ). Finally, a claim I filed with the CFPB against XXXX resulted in a response that shifted the responsibility back onto the Bank of America ( see attachment ). I am therefore requesting assistance from the CFPB for the return of the {$3500.00} from the Bank of America.
Product: Debt collection

I am attempting to amicably resolve this issue as I have stated to this debt collector this debt is not mine and I never entered into this agreement. This is certainly a case of identity theft or error. I refuse to pay for or be held liable for debt that is not mine. Cavalry SPV I LLC needs to address this matter as I am not going to be railroaded over for funds. I simply want this issue dismissed and collection attempts to cease. These multiple court proceedings and legal measures need to stop.
Product: Debt collection

I have been in the process of correcting the wrong and the effects of identity theft on myself for over a year and a half. Because of this, I have been very diligent in reviewing my credit file on a weekly basis. I received an alert from a credit monitoring service that I had new negative account reporting. Sure enough, there was a collection account reporting as XXXX XXXX XXXX-XXXX in the amount of {$330.00}. I have never had XXXX XXXX and this account is not mine. Its also reporting open accounts that are not mine, XXXX XXXX, XXXX. After further review of my credit file, I also found several inquiries that I did not authorize that were fraudulent as well. I have submitted a complaint to the FTC and have a report of this.The fraudulent inquiries are to be deleted also.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following derogatory account and inquiries that have appeared on my credit report as of the date above. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate, incomplete, or outdated information on my credit report, and I am requesting that you investigate the items listed below. 
Derogatory Account : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Equifax XXXX : XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquiries : XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX
Product: Student loan

Hello, I 've been on a repayment plan with Navient for my private student loans for over 2 years. In XXXX, I lost my job and since XXXX, I have n't been able to pay my loan. 

Navient has refused to work with me regarding my unemployment status. During a conversation with them in XXXX, they told me there was nothing they could do as my account had used up all of my 24 months of forbearance. Then in XXXX, again they told me to pay them over {$1000.00} in my past due payment or risk being kicked out of my repayment status. 

Then just last week, in XXXX, they reported me to the credit bureaus for 3 months of nonpayment (! ) Wrecking my excellent XXXX XXXX and again, repeated the ridiculous notion of paying them over {$1000.00} in payments ... WHEN I HAVE NO INCOME! 

I do n't know if they 're purposefully being negligent, trying to force me to default, but I have to assume they are handling this account with some sort of violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian complaint # XXXX response back on XX/XX/XXXX is that Experian is opt me out of marketing and promotional in fact I was already opt out since XX/XX/XXXX and have proof to where Experian responded back to the CFPB about the issue of opt out. So now Experian says I'm on opt out I never stop. I also got all these companies tracing back to pay day loans that they claim is Experian. I also file a complaint and supplied the letter from Experian I'm opt out as proof. I'm not going to play the games and XXXX by Experian and lies. I been opt out for 2 years and update by letter to being opt out. it seems like fraud so we let the US attorney office look into the issue. I also see other people have filed on Experian as well to the issue at hand. It's nothing but words botch and lies to the fact of the matter that as of XX/XX/XXXX I'm opt out of something I was already done and now Experian twist it in another matter. See you in court