23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On my XXXX it shows that Navient originated a loan for XXXX XXXX XXXX in XX/XX/XXXX. It still just shows as originated- since XX/XX/XXXX. Was it supposed to be cancelled? Has it been repaid in the subsequent consolidation and they never updated the status? Is this the one their lender XXXX XXXX charged off in error since it was paid in consolidation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a complaint for fraudulent debts listed on my credit report that does not belong to me. I have attached an Identity Theft Report XXXX with this complaint. The accounts that are fraudulent : XXXX XXXX and XXXX XXXX XXXX XXXX. I want these fraudulent items removed from my credit report immediately. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer
Product: Debt collection

Upon checking my credit file, I found accounts that seem to have been added without my knowledge. I request their immediate removal from my report.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I purchased a used car. The dealership shopped my information around to multiple lenders looking for someone to finance the loan. I do not know how many lenders were approached in this process. Experian currently lists 4 separate individual credit requests all on the same day, for the same purpose, on XX/XX/year>, and counts them individually in the total of credit inquiries, counter to their claims of not doing so under the law and reductions under deduplication. 

I have spent the past 24 hours attempting to contact Experian to try to file a dispute about the information, but the Experian website does not allow disputes to be filed concerning inquiries ; the phone numbers ( and email addresses ) listed do not all go to Experian anymore ; and the ones ( phone numbers ) do place you in an automated hell that does not answer anything and does not provide any way to get out of it. The automated phone tree will direct you back to the web-site which, as previously seen, does NOT allow you to file disputes, but will not forward the caller to an agent or specialist because that can only be done in " certain cases. '' Frankly, I'm about ready to fill a suitcase full of XXXX and make it a certain special case and mail it to them, then it will certainly be special enough to draw their attention that they need to rethink how the phone calls are handled. 

2 hours is more than enough time in that XXXX XXXX XXXX maze to be punished. The one time I thought I saw an escape, I found a different phone number that said the operating hours were from XXXX XXXX  to XXXX XXXX  XXXX. I called at XXXX XXXX  XXXX and was met with a recording that they had already closed for the day, and to call back during the regular business hours of XXXX XXXX  to XXXX XXXX  XXXX. I want to work somewhere where I get to leave over a half hour early and get to call it a full day!! Especially as much as they are XXXX XXXX and my credit over with the sloppiness that they handle everything.
Product: Credit card

My a count was closed after almost XXXX years due to inactivity. It was kind of hard to use from XXXX due to XXXX and not being able to use it during that time at specific locations. Was never sent any type of information regarding it being closed but continued to receive mail from them about promotional offers. Now they want me to have to re-apply and of course at a higher interest rate!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I was contacting yall because I went to try and get a car and my was not approved. I'm trying to see how there are things on my credit that is not mine. Can you please take off these accounts. I have contacted the FTC and I contacted the police. I'm doing this on my own behalf. XXXX XXXX, XXXX, and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Bank of America regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 
On XX/XX/2023, I notified Bank of America that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non0verbal, for the sharing of my nonpublic personal information with non- affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that Bank of America has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This un-authorization sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this un-authorization sharing, including the potential for identity theft, fraud, or other financial harm. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Bank of America complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by Bank of America. 
Please feel free to contact me at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

My employer sent a check to the address provided by Navient, the servicing company of my loan, back in XX/XX/XXXX. I know the check was cashed because the money was withdrawn from my employer 's bank account. However, the money was never credited towards the balance of my loan. My HR rep and myself have called Navient quite a few times. The last person I talked to said she had no way of knowing if the check was cashed or where the money was, but suggested it might be sitting in a federal reserve account for lost money. She said that it was really the Department of Education 's problem at any rate.
Product: Credit reporting or other personal consumer reports

Experian gon na get in big trouble with me Just how I file a lawsuit with XXXX I will file a lawsuit against EXPERIAN For the last time those XXXX addresses on my client report doesn't belong to him ADDRESS MUST BE DELETED AND ANY ACCOUNT CONNECTED TO THAT ADDRESS NEED TO BE DELETED AND YOU HAVE 10 DAYS to make changes WE CONTACTED BOTH XXXX  XXXX as well as EXPERIAN AND XXXX XXXX COULDNT VERIFY THE ADDRESS NOR MY CLIENT PERSONAL INFO SO EXPERIAN ONE LAST TIME TO MAKE IT RIGHT BEFORE I FILE A LAWSUIT BECAUSE THIS ACCOUNT WAS DELETED LONG TIME VIOLATIONS FCRA SECTION 624 FCRA section 603 15 usc 1641A 15 usc 1666B will sue {$2000.00} per violation
Product: Credit reporting or other personal consumer reports

I terminated autopay on my XXXX XXXX account so I could manually select the account each month. This made me forgot to make a payment made on XXXX and XX/XX/2024. After receiving a letter in XXXX I called into XXXX XXXX and made an automated payment. The automated system asked if I wanted to pay the past due amount ( {$100.00} ) plus the XXXX payment that was due. This payment successfully was debited from my checking account on XX/XX/2024. I submitted a inaccurate reporting on Experian. The dispute was completed on XX/XX/2024. It states that as of XX/XX/2024 I am past due in {$100.00}, but this is inaccurate. The account balance for my XXXX XXXX even shows that nothing is due.
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) Experian, Equifax, and TransUnion 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, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$220000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I filed foXXXX XXXX XXXX XXXX in the year 2022 I had cleaned my credit report of all previous debts owed and then someone stolen my identity and used my credit to open several accounts now I have disputed a lot of these account but some of them went into collections I am hoping that you are able to get the credit bureaus to comply with my disputes and have my credit wiped back to what it was after the XXXX XXXX XXXX they have not complied at all and XXXX new collection agencys are being reported to the bureaus that I owe them when this is fraud at its finest my final result is that my credit is set back to XXXX I worked very hard to build my score then my information was compromised I showed them evidence and police reports and the credit bureaus have done nothing to comply that is why Im reaching out to you please help me resolve this it has ruined my life
Product: Credit card or prepaid card

Dear Executive Office of President ; I'm not sure where the disconnect is but I just got off the phone with 2 different representatives, one said that the check was mailed to me on XX/XX/XXXX ( allow 5-7 days to receive the check ) and then I asked to speak to be transferred to a supervisor representative here in USA. When XXXX ( EmployeeID XXXX ) got on the phone stated that there was no check cut out yet, and she was going to process it, and now it might take another 5-7 days to receive it. Look again, I called back on XX/XX/XXXX because I tried to used my credit card and it didn't go through to only find out that you guys closed it down. I'm sure the calls are recorded, where a representative told me that the account was closed and when I asked for reasons and how about the $ 70- {$80.00} that I had used, she clearly explained to me not to worry because you guys had my {$290.00} collateral therefore you guys would take the amount i used and cut a check for the remainder of around $ 220'ish. I had to call last week on XX/XX/XXXX, where the representatives again mentioned that the money should've be sent to me within 5-7 business days. It's now 2  months later, you guys charging me interest and late fees. I just asked XXXX again, to refund the fees back and remove this account for my credit due to error and miscommunication on your company 's part. She told me that the only thing she can do is request the check but she's not refunding the fees even if I was told not to worry about the purchase and it was up to me to pay what i've used. I trusted your company and your representative when I was initially told not to worry about the amount i spend that you guys will handle it that from the collateral and cut the remainder check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00}
Product: Credit reporting or other personal consumer reports

I was one of the millions whose personal information was stolen from creditors databases, leaving me vulnerable to identity theft. Compounding this issue, major creditors like XXXX  and XXXX  XXXX XXXX XXXX XXXX XXXX reported inaccurate information on my credit report without proper verification. This has created significant challenges in addressing my credit status and has made it difficult to regain control over my financial well-being.
Product: Credit reporting or other personal consumer reports

In compliance to 15 U.S. Code 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. This is a clear proof that this item is reporting INCOSISTENTLY across all the displayed bureaus, an infraction of compliance! DELETE the LATE PAYMENT REMARKS at once! 

Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I recently read through a copy of my credit report and I saw addresses on there that are not correct. I looked up your website and I have enclosed the proof of the current address that you require. To make the deletion easier, here is a list of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only address that should be listed is shown at the top of this letter. I also would like for you to correct the spelling of my name. There should absolutely not be any variations of my name because it is spelled XXXX way and XXXX way only. I have enclosed my ID as proof of the correct spelling. Again, to make deletion easier, here is a list of the incorrect spellings : XXXX XXXX XXXX XXXX Please send me an updated credit report as soon as you have deleted the inaccuracies listed above. 
Thanks so much!! 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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 reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX NV XXXX XXXX  XXXX Balance : {$6800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX : {$2000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$15000.00} XXXXXXXX  XXXX Balance : {$6800.00} XXXX XXXX Balance : {$0.00} XXXX  XX/XX/2022
Product: Credit reporting or other personal consumer reports

My issue is the credit reporting bureau Equifax. I reported to them that on my Equifax report my closed account XXXX XXXX whom the mortgage lender I am current with has on my report that I was delinquent in XXXX of XXXX. This is not accurate and I have my bank account statement to prove that it was paid on time. It has still not been removed from my credit report. I submitted this dispute on XX/XX/XXXX in which it was closed, completed, and Equifax never provided me any status on the dispute. 

Today I have submitted a new dispute in which I provided Equifax with the official payment history documentation from XXXX XXXX that shows I have made on time payments for all of XXXX thru XXXX of XXXX and I want that to be reflected in my credit report as it is damaging my credit being unreported. 

I have diminished faith in the Equifax Credit Bureau and want the CFPB 's assistance with these issues. If the CFPB can not help mediate this issue I want to know for myself and others who come across the same problem who do we report an issue to when it is the major credit bureau itself in this case Equifax we have the problem with? Also, I want an accurate regulator of Equifax or other entity with an updated contact name, email address, mailing address, and/or phone number so that I can do so as well as others. 

Credit report accuracy has never been more important as they are today for ordinary people such as myself. We should not have to suffer bad credit scores and jump through hurdles to find the assistance we need to resolve credit discrepancies that hurt us in this economy.
Product: Credit reporting or other personal consumer reports

Hello they reported me for late payment which is not correct i asked them to correct it and they don't even provide which steps they took and proof of late payment i want them to correct it to on time payment
Product: Credit card or prepaid card

Problem is with Fidelity Credit Card, Elan Financial Services. They owe me a refund of {$6600.00} for an accidental over payment of my account. The problem has been going on since XX/XX/2019. I have received a constant runaround from XXXX. Need assistance ASAP!
Product: Credit card or prepaid card

I have been trying to redeem my credit card rewards for over two weeks now. I am trying to redeem for an XXXX gift card. However, the website will not let me do so. I have spoken to multiple individuals about this issue both at Comenity Bank and at XXXX. No one at Comenity Bank has been able to assist me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes to experian, letters and verifications in reference to bankruptcy. Experian 's response, '' the bankruptcy was verified court record results Ran info against municipal court system records Personal XX/XX/2022 We ran your personal information against municipal court system records and found criminal acts reported in the court system with your identity. 
WHAT NOW? 
If you recognize this court record, no action is required on your end.- I wrote to the court and the sent me a letter stating that the U.S. Bankruptcy Court does not report or provide information to credit bureaus. Experian Lied
Product: Vehicle loan or lease

I had an auto loan with Wells Fargo in 2011. Wells Fargo charged me for unnecessary fees and other charges!