23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have a total of 75 late payments showing on XXXX, 75 showing on XXXX, 24 showing on XXXX all from of Navient student loans. I have 4 separate accounts numbers across all 3 bureaus. It is showing 75 missed payments from the same company. They send me One statement with all the loans on it. But send to the credit bureaus 10 different accounts. Showing a total of 75 payments. I was NEVER late 75 times. I was on a financial forbearance. I had no employment. 

The company refused to change the status due to a mix up. I was in the midst of a divorce custody battle and all my mail was interestingly disappearing. I should have been on a financial forbearance because I was out of work. However, I was denied several opportunities for work and couldn't figure out why. My score currently is XXXX with XXXX. It is a nightmare. This has been going on now for over 3 years. I recently received my credit score through XXXX XXXX and was confused. When it showed 75 late payments I couldn't believe what was happening. I am currently on a financial forbearance but they refused to change the status. I have written, called, and tried to discuss the issues. They continue to leave the status as it is. I had sent in all the paperwork showing I was suppose to be on forbearance. 

AND they send me ONE statement, one bill, one forbearance but report to the credit bureau 11 different accounts making my score even lower. furthermore, they are extremely inconsistent across the board. They send varying and inaccurate information to the credit bureaus causing my score to do a roller coaster ; making it difficult to get my financial life in order. It is causing lots of undue stress and mental strain.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX  XXXX  XXXX  ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXXE XXXX ACCOUNT XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ACCOUNT XXXX XXXX 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 an account without my written instructions
Product: Checking or savings account

Account was opened XX/XX/year>24. New account bonus terms were XXXX recurring transfers of at least {$200.00}, after which a {$200.00} bonus would be deposited. The company has not provided the bonus despite all conditions being met. Furthermore, they have charged me {$14.00} in account fees since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refused to remove invalid/unverifiable informationand/or the account/tradeline for my XXXX XXXX XXXX subaccount XXXX per their response to XXXX. Experian claims the " data furnisher '' ( XXXX XXXX ) refused to remove the erroneous data and verified it as being " correct. '' In its place, Experian then accepted a round of " new '' erroneous data from XXXX XXXX, thereby housing the erroneous data in their systems depsite at least fifty ( 50 ) prior complaints and disputes that provided susbtantive evidence indicating the data supplied by XXXX XXXX was incorrect. As example, evidence and summary of events of misapplication of payments leading XXXX of XXXX is attached.
Product: Credit card or prepaid card

On XX/XX/2021 discover closed my account stating it was a business decision to close my account because personal information was not able to be verified. However, on XX/XX/2021 I signed and returned the IRS consent form XXXX discover requested in order to verify my information. I provided all my personal information accurately and weeks later they still closed my account because they apparently were not able to verify my personal information. I called and attempted to have this resolved with the company and they would not help me. The only response they would provide me is it was a business decision to close my account and they could not help me any further. Ive had this credit card for over 3 years and Ive never missed a payment. I also use the credit card often. They closed my account and now my credit score has lowered. I was hoping that my credit score would not be affected since this account was in good standing prior to closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Regarding Unrecognized Account and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized account. Additionally, I have reason to believe that these account may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference.

The unauthorized account listed on my credit report, which I believe to be a consequence of identity theft, are as follows : XXXX XXXX  XXXX XX/XX/2022 I have taken immediate action by reporting the identity theft to the relevant authorities. However, it is alarming to find these unauthorized ACCOUNT on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized account. I urge you to consider the impact of these account on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.
Product: Bank account or service

I 've had XXXX business checking accounts with Bank of America for 15 years. On XXXX XXXX, 2015, they closed my accounts without adequate warning and with no reason given. ( they say they sent a notice in the mail a couple of months ago, but I never saw it ) - I was setup with online paper statements/alerts, and I was never sent an email warning, nor were there any warnings when I logged into my account. 

This has affected my business, resulted in multiple missed payments, and lots of inconvenience just as I was heading out for my XXXX holiday vacation. 

I want to find out why they closed my account with no reason.
Product: Debt collection

Dates : XX/XX/2016 {$630.00} amount at top Later in letter states {$850.00} emergency visit {$70.00} service provided between 10 : I sent a debt validation letter, with a request of my copy of my signature where I agreed to pay this
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. TransUnion has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove the inquiry from my credit file. XXXX XXXXXX/XX/XXXX
Product: Student loan

Navient was my student loan servicer and provided me with wrong and misleading loan information while steering me into accepting a loan forbearance which has harmed my economic interests. 


NAVIENT and as well as XXXX are criminal organizations that are actively harming millions of Americans like myself. As a result of accepting the forbearance due to Navients intentional bad information, I am now foreclosed from participating in several opportunities to pay down this debt. 

Please help. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX. 
XXXX Cell # : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I value your help too remove a portion of the data in my credit file that came about because of fraud yet I have an Items passed on that should be taken out or remove Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$510.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$130.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXXXX/XX/XXXX ( Original Creditor : ) XXXX Balance : {$1400.00} ( Original Creditor : ) XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I owed money to XXXX XXXX XXXX and paid it in XXXX 2015. Now I am getting letters from AARGON Collection Agency, XXXX months after I paid, that I owe this debt collector. I have the cancelled check showing payment.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/year> -- {$710.00} XXXX # XXXX XX/XX/year> -- {$750.00} XXXX # XXXX XX/XX/year> -- {$990.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union Adverse accounts XXXX XXXX  XXXX To be removed by XXXX/2019 Has not been removed
Product: Mortgage

Truist bank is NOT reporting the information accurately to the different bureaus. Truist has NOT followed reasonable procedures to assure maximum possible accuracy of the information concerning my credit report. How can they report inaccurate information and different information to each bureau? 

Truist bank did not process the payments as set up on their bank platform. The problems with their banking platform were on the banks end. It was bank error. Truist did not process payments in a timely manner after XXXX. I had to resolve the issue over and over again. I have never had a problem like this before with a bank! 

Please remove the information from my credit report. 

I am very upset.This was bank error. The information is not being reported accurately. 

I have tried talking with Truist to resolve the problem and the bank has been rude and unhelpful. 

Please remove the information being reported to the bureaus.
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 XXXX Account Number : XXXX Account Name : CAPITAL XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

You violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 

I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter. Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated.

The following items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Around XX/XX/2023, I was getting a few alerts regarding my credit report that accounts are being reported that I've never opened myself. I checked my credit report and noticed there were some fraudulent accounts, nonmailable addresses, and hard inquiries reporting without my consent and authorization. Immediately I contacted the credit bureaus and was told that i needed an FTC report or police report. They were no help at all. I provided that documentation via mail and the dispute results came back as " verified ''. How can fraudulent accounts come back verified when it was opened fraudulently? I requested a method of verification I still haven't received anything in the mail. I am a victim of Identity theft. I am requesting that these items be deleted and blocked from my credit report
Product: Credit card

I have tried several times to address this with Care Credit most recently they wanted an XXXX  which I now have. The dispute was over the SPECIAL RULE FOR CREDIT CARD PURCHASES. The problem with the QUALITY of the service is that it was FRAUD. It was billed and sold as a " XXXX XXXX XXXX XXXX XXXX XXXX XXXX The attached XXXX  report notes XXXX XXXX XXXX  '' under XXXX and concludes in CONCLUSION " No significant interval change. '' That is to say the XXXX  from BEFORE the XXXX  and AFTER show no effect from the XXXX.
Product: Checking or savings account

This has been an ongoing issue for almost XXXX year now. Around AXX/XX/2020, my debit card with Wells Fargo had been compromised. I immediately called and reported all of the fraud charges. I also noted multiple times that I have not received any new cards nor was I able to log on to my online account. My email address and phone number had been changed on my account and I was not able to view any updates. I mentioned this issue to every single agent I spoke to and only one was sure to make a report and note it. I was informed by the fraud department that a police report was necessary for this case. I tried to send this report to Wells Fargo multiple times. One agent even told me my police report was denied and they did not even want to look at it. How does it make sense to ask for a police report and then deny it? I tried to speak directly wit h the agents that were in charge of my case, but had no luck. First, I was told my case needed to be sent to a manager or supervisor and I would get a callback. Nobody EVER called me back. Also, I explained multiple times that my email and phone number were not correct and to update my profile. Later, the agent explained that all updates were being sent to the fraudulent contact information on the account. I tried to work with Wells Fargo in every way that I could, but there is no hope anymore. I even contacted the merchants that were associated with the fraud and e very single one said they were unable to help and that my bank should take care of this issue. All of the fraud charges have a total of around {$8000.00}. This is a large sum of money and I should not be held liable for these fraudulent transactions. I would like my money back asap. I have been lied to and treated like a piece of garbage going back and forth with this terrible bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Capital One is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Capital One the financial institution and the Consumer reporting agencies XXXX and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, Capital One whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Capital One Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

Our mortgage was sold back in XX/XX/XXXX to Faye Mortgage Service. ( Mortgage XXXX ). At the time our mortgage was sold we were not appraised of the sale. In XX/XX/XXXX or XXXX of XXXX we received notification that our home was in foreclosure and that we were 6 months in arrears. All along XXXX XXXX had been receiving our payments. We were at that time able to direct them to XXXX XXXX to straighten things out. However they continued to tell us we were in arrears. We sent them two years of cancelled checks as verification that we were not in arrears. We get names of people assigned to our case who we speak to for one minute who then never call us back - we send emails ; write letters and call. No one ever responds. We have sent numerous emails each time with copies of cancelled checks. Now they refuse to accept our mortgage payments as they say we are either in foreclosure or pre-foreclosure. This is unfair. No one at Faye ever ever ever responds. Ever. This is a transactional issue between Faye and XXXX and I am about to loose my house over this - I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Balance Owed : {$470.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$24.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$5200.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$280.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX : {$2100.00} ; XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$220.00} ; XXXX  ( Original Creditor : XXXX  XXXX XXXX  XXXX  ) XXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX