23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am writing concerning my Navient student loan which has since been transferred to a new loan servicer. On several occasions I attempted to work wit h Na  vient in an attempt to process a forbearance. In each instance the process was delayed. In the end the forbearance was granted but each time my credit was adversely affected. I am writing in hopes that you can assist in having the negative reporting removed. I have attempted this in the past directly with Navient, b ut with no positive results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax willfully mishandled my personal credit information by employing extremely substandard secruity measures leading to a massive breach of personal data in XXXX XXXX. This was done knowingly, as multiple Chief Executives of the company engaged in share dumping activity immediately prior to the leak becoming public.
Product: Consumer Loan

I took out a Title loan with PLS of wisconsin last year and still have payments due, and a contract with them before i can get my title back. I went to make a payment this past week only to find out that all PLS stores in wisconsin are closed. I received no notification of them closing their doors in wisconsin and when i called the number they left, i kept getting transferred and put on hold for a good 30 min, and received no information that could help me. I do n't know what to do. Im trying to get my financial life in order so i can move forward with my life, and this is one of the biggest road blocks i have had to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Transunion. I can not get any answers on their website without paying a monthly fee for their services. I have tried to dispute something on their website and the website is either not functioning properly or the website does not allow me to file a dispute. 
There is not a way to email anyone. When I try to call, nobody answers the phone. I just stay on hold or they hang up on me. 
Also, I have been making a house payment since XXXX of XXXX with NO late payments. I have been making a car payment since XXXX of XXXX and there are No late payments on that either. I have had one late payment on a credit card in the last 2 years. I have tried to dispute the XXXX XXXX account with Transunion but I don't get anywhere unless I pay them. 
Out of all 3 credit reporting agencies, Transunion has me scored the lowest. They don't give me a way to resolve anything on their site. I make timely payments on my home, car, utilities, home services, yet I have less than a XXXX credit score. This reporting seems very unfair. There is no way to resolve any issues with them unless I pay.
Product: Credit reporting or other personal consumer reports

SYNCB/PAYPAL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX The above company has placed an inquiry on my credit report. 
According to the FCRA, I am requesting a permanent removal of such inquiry. 
15 U.S.C. Code 1681 ( b ) Permissible purposes of credit report. 
I have not given consent to use my credit report, nor have I signed any written agreement to have access to my credit report in such manor.
Product: Credit card

Credit card company increased balance without lowering my intraday rate. Ive reached out multiple times to ask for lower Interest rates and theyve denied.
Product: Vehicle loan or lease

even thought this company seems to have a block on being able to complain about them i figured i would ive it one more go before lawsuit.

after filing this complaint against them that supposedly was duplicated and never sent they have changed the way it is reported on my credit report but they still fell to compensate for having to deal with this for the last 6 years of them lying. further more they have the audacity to still not report it as it should be paid in full never late most especially after having to deal with the effects of it for 6 years i mean it was about t fall off as it was
Product: Credit reporting or other personal consumer reports

Since XXXXXXXX XXXX XXXX  I have been trying to find a finance solution to save my house from foreclosure. I want to sell my house and get a new house and mortgage. I have tried for months to get a security freeze lifted from my account. I have also tried to get a copy of my report because I believe there is an error in my name which is causing all of the issues. But I am unbale to access my online Equifax account. I have sent my ID and SSN card XXXX times to XXXX different XXXX XXXX XXXX that are listed on Equifax website as to where to send disputes and requests. But to no avail. 
I am desperate here. We have to downsize our house or we will lose our house. We are running out of savings are are in a desperate situation only because Equifax will not release my credit report to myself or any lender because they say there is a freeze on the account and therefore they say they can't lift it but every lender says there is XXXX. I will have to seek an injunction on the company as my next action as I am about suffer irreputable harm. We are also filling a compliant with the FTC and department of justice as I believe these actions by Equifax are solely motivated by race.
Product: Debt collection

I am writing to file a formal complaint regarding a collection accountS labeled XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau placed an aged account on my credit report from XXXX  XXXX  without notifying me within 5 business days before placing this aged account on my credit report. I have sent letters to the credit bureau asking for a copy of an original contract showing my signature and when the account was opened. The credit bureau did not send me information about the account. I only received letters saying the account was verified. I sent another letter asking for more information about who is verifying the information and the credit bureau did not respond to my request. I also asked if this is my account, why are they just reporting this on my credit report. I did not get a response other than the account was ve
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX ACCT 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.
Product: Debt collection

Hi, since XX/XX/2023, I have been fighting XXXX because someone using Identity fraud was able to obtain a loan. XXXX XXXX  has XXXX XXXX DISPUTES on TRANSUNION and XXXX here CFPB but since XXXX pays transunion for advertisement. They have added the Identity theft report after I won 4 times just on transunion. I also won on all the other bureas which is why they are not listed there. 

I attempted to go back to the disputes I won and have found that transunion has changed the past. How? well they edit there previous dispute defeats to say something else. Which means they have access to the CFPB database but good thing for the internet someone always saves. I have screenshots of what was mention before ( an apology ) to what is mention now on all XXXX disputes. You guys are breaking laws left and right. keep on doing it. This will lead toa even bigger case against transunion. Good job idiots. I will not be posting those edits until i am ready to sue. We will keep these documents secure for now. Hopefully you recall what you said and can go change them all back before the case if not I will see you in claims court. Thanks for the money ahead of time. Make my life worst for something I had no control over. Piece of XXXX since there actions have lead me to lose my XXXX XXXX XXXX at all bureaus and they know its against the law. 

Even wallet hub managed to notice which i will post that image. You are not doing a good cover up job. My phone number was ported out and my system was hacked which i have proof and backed up by my bank that other IP address was accessing my account during the time of XXXX. I myself had XXXX USD stolen. which I have proof of. Do your self a favor before I sue for millions and stop breaking the law. By re-adding Identity theft on my report.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/closed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, I requested verification under section 609 ( a ) ( 1 ) ( A ) to XXXX, Transunion, and XXXX. Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 

This is ground for removal since they also violated my rights under 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. Also, the Credit bureaus took more than 30 days to complete my investigation. 

Here is my certified mail tracking : XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

someone used my information to obtain a XXXX XXXX  account that does not belong to me. please remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : XXXX XXXX XX/XX/year> : XXXX XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Checking or savings account

We have had our business account open for about 40 days. We deposited checks and they cleared. I then moved the money to my personal account. NFCU has since restricted my access to funds. We are near the holidays and bills are due. I tried to go to the bank to get this resolved and no one knew what to do. I have contacted our attorney and have set up an interview with our local XXXX station and they are going to run a story on NFCU.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX, XXXX XXXX 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 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: Checking or savings account

This is concerning Citibank. 
I walked into their branch in XXXX Illinois and closed my checking account. 
Months later, I find out they've been charging me fees because the bank account was not closed properly and there was apparently a balance due. 
I went in to the bank to get this corrected but they said they have nothing to do with trying to correct it and that I had to contact some other branch to discuss it. 
I contacted customer service and I started getting the runaround. 
finally, I came across an individual so seemed to think he knew it all and started talking nonsense. 
I asked him to prove that I still owed money and he stated he did by reading off the balance. 
I became quite upset and let him know that. 
Next day, I find out that they have reported the late payment to all of the crediting agencies. 
I disputed with all of them and Citibank insisted they were right and rejected all complaints. 
They even reported to agencies they normally don't report to as I now see this item across all of them. 
Some of the agencies only have this one late payment showing when no other transactions for all the years I was with them showed. 
I then proceeded to close my credit card account with them that had the benefit of getting rewards based on the purchases made on it. 
They told me they were going to keep the money that I had cumulated to that point because I was closing the account. 
I think that Citibank is just quite disgusting. 
This was not the first disgusting thing they've done.
Product: Checking or savings account

I am very suspicious that Wells Fargo inside source opened an a " Everyday Checking Account '' on my account page. I find it odd that a " Minimum opening deposit Open with {$25.00} deposit '' is required, but the fraudulent account does NOT SHOW a {$25.00} balance EVERYDAY CHECKING : which they require to open the account. 

Activity Summary Current posted balanceOpens Dialog {$0.00} Pending withdrawals/debits {$0.00} Pending deposits/credits {$0.00} Available balance {$0.00} I HAVE filed a complaint with Wells Fargo on or about XX/XX/21 but have not heard anything yet. I am suspicious as they seem to have done this in the past to other account holders. The account is being looked into as " identity theft ''. Have to laugh tht about 3 days after I complained to Wells Fargo they sent me a congratulatory note and notification that a debit card is on the way!!
Product: Student loan

I disputed this loan and credit bureaus remove them, then Federal loan servicing keeps putting it back on my credit report after it 's removal and keep reporting a missed payment which is not correct and when they reported the missed payment it 's last period of reporting on my credit with no more payment history at all
Product: Credit reporting, credit repair services, or other personal consumer reports

Is to remove all the inquires off of my credit. I just turned XXXX and i havent put any of these inquires on my credit and its affecting me .And I was a victim of the transunion inquiry error/glitch that happened but they want remove the inquires on my credit report.
Product: Credit reporting or other personal consumer reports

Dates go from XX/XX/XXXX XXXX  through XX/XX/ Amount : {$1500.00} Action taken by company : No action was taken by company I am writing in response to a credit report that I recently received, which suggests that I owe some amount. However, I have not received any documentation or proof substantiating these claims. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards, therefore the data in my credit report can not be accurate and complete. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports.
Product: Credit card or prepaid card

Opened an American Express Delta SkyMiles card on XX/XX/XXXX. Used the card for purchases large and small with charges totaling {$3000.00} in the first three months of having the card. The award offer on opening was : no annual fee for one year, XXXX   Delta SkyMiles when you spend {$2000.00} in the first three months of opening the card and an additional XXXX SkyMiles when spending an additional {$1000.00} within the first 6 months.

I inquired to American Express onXX/XX/XXXXasking when the miles would be credited to my account. They said they could see that I met the spending requirement in XX/XX/XXXX and that I would receive the reward miles in 8-12 weeks.

I inquired again with American Express on XX/XX/XXXX where they told me the same thing, only that the award miles should be credited 6-8 weeks after meeting the spend requirement. They " opened an investigation ''.

I inquired again with American Express on XX/XX/XXXX and was told that the investigation was opened with the wrong department so it was closed. They said they would open a new investigation and that it would take 6-8 weeks before they could give me an answer as to what was going on and would send a letter in the mail.

I then called in and got no further. I contacted again today XX/XX/XXXXto see if the investigation was moving towards a resolution and was told to wait 6-8 weeks. My chat was escalated to a supervisor who just kept pleading to give more time as they had a large amount of awards and applications and they aren't able to get to them as fast as they are supposed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been reporting a charge off my my credit file with all CRAs erroneously. This account is NOT a charge off. Its ordinary income. They have willfully neglected to send me a 1099c when they received a tax break from the IRS since the debt has been discharged. Furthermore, they balance they say I allegedly owe is GROSSLY incorrect. They have never tried to validate nor fix the corrected amount less my gap insurance and auction sale. This is fraud- they need to issue me the 1099c so that I may file it as income for the year of 2021  as an addendum of amendment.

Consumer law CLEARLY states that income is not placed on a consumer report.
Product: Credit reporting or other personal consumer reports

I paid off a student loan with NelNet, and when the account was marked as closed, my credit score went down over XXXX points.
Product: Payday loan, title loan, or personal loan

The interest rates on this loan are not lawful in the state of Massachusetts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report.

after number of request by me XXXX it the only bureaus that had not block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,
Product: Checking or savings account

XXXX XXXX had XX/XX/XXXX {$65.00} fraud on debit card from malware XX/XX/XXXX Card Purchase XXXX XXXX XXXX IL Card XXXX XXXX XX/XX/XXXX {$38.00} XXXX XXXX both immediately permanently or be sued chase yes or no customer service is the pits
Product: Credit reporting or other personal consumer reports

Transunion has continuously avoided and ignored my disputes. They continue to report erroneous information even with screenshots I have provided to prove information is inaccurate and a violation of my consumer rights. Their continued erroneous reporting continues to cause me harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax deliberately ignored the account name and the account number by sending a response that is purely a stall tactic. Anyone with eyes can read the attachment and see the details.
Product: Credit reporting or other personal consumer reports

Wells Fargo has reportedly car note late. It was not late and now my score has dropped almost XXXX XXXX points. Additionally, I would like the call pulled in which I made the payment and I was told because I was paying with my debit card.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX received a message notice from kraken support ( XXXX ) that my account was queued for resolution and estimated time was 24 to 48 hours, they also notified that my deposit (, XXXX ) Was being processed for returning on XXXX of XX/XX/year> but was not received. After I made complains instead of a refund, they closed kraken account