23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This is the second time that I have had to open a complaint with CFPB on USAA. 
Last month, I complained to you about REPEATED unauthorized charges to my USAA card, and I wanted the account CLOSED. After sending HOURS on the phone with their incompetent staff, I was unable to get the account closed. 
After asking you to help, a USAA rep called me to assure me that the account was closed. 
Today, USAA sent me a bill ( XXXX balance ) on account XXXX XXXX XXXX XXXX. 
Evidently, they have NOT closed this account.
Product: Credit reporting or other personal consumer reports

I am asking for removal of negative accounts that are connected to a unauthorized fraud address that is on my credit report XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX, i listed this address as fraud every account connect to this address should be removed and including debt collector the company XXXX XXXX XXXX, all of these claim are part of fraud transactions on my credit report please remove immediately thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SEVERAL endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXe : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been trying to get answers about my application for forgiveness of student loans through the public service loan forgiveness program. Im trying to get a listing of which payments have counted towards the qualified payments they have to make sure theyre all accounted for. There are payments from prior loan servicers that I havent gotten information about. Its very frustrating because I could be done with student loans and Id like to make some life decisions for my family. 


Thank you
Product: Payday loan, title loan, or personal loan

Misleading preying and marketing tactics to gain entry to personal and financial information from the consumer. Found online after dozens and dozens of prequalified communications. Rating and giving the consumer the highest degree or approval odds to later back out of the transaction and deny loan based on " discrepancies '' they say exist, but no-one can explain or tell you what they are. All documentations provided were accurate, timely and presented in the fashion requested but very poor communication with the timely response of the representative took almost a month to move in the positive direction that should have taken a 5-7 day time frame. Disgusting and unprofessional demeanor from the " Supervisor '' involved was worthless and was less effective than the original representative. She also refused to give me her companies location, her ID number or any other traceable information to later identify her to avoid future scams with Upstart and so she can get training. Suggestion to the public is to avoid this predatory lending company " upstart '' and find other reputable companies that will not play games with your personal information you submit. Shareholders should be ashamed of themselves, and the board should fire all from the top down and start over or keep same practices and rebrand and call themselves downslope. Consumers would be better off going to the local pawn shop and building a relationship with the rep. that will rip you off with a 25 % lending rate. Run as fastest you can when dealing with Upstart.
Product: Credit reporting or other personal consumer reports

COMPLAINT FOR CFPB XXXX  REMOVER LATE PAYMENT ( ( XXXX XXXX XXXX ) ) Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against EXPERIAN regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue.

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment : XXXX " I have submitted three separate disputes to EXPERIAN regarding a late payment reported by [ XXXX XXXX XXXX XXXX ]. In each dispute, I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ), explaining that the reported late payment is inaccurate for the following reasons : [ include reasons ]. Despite my repeated efforts, I have not received an adequate resolution to correct this issue, which continues to unfairly impact " my credit history. '' " I am deeply concerned about the error in your records showing a late payment, as I am confident that I fulfilled my obligation on time. This may be due to an administrative mistake or a failure in your processing system. I am requesting an urgent and thorough review of my payments, as an incorrect report could unfairly impact my credit history. As a responsible consumer, I always ensure my financial commitments are met, and I trust you will correct this error before any further action is taken or my credit is negatively affected without justification. I appreciate your prompt response and correction of this matter.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being
Product: Mortgage

I was not given the government assist modification when in need of a modification in 2011.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Complaint ID XXXX was submitted to XXXX XXXX who immediately responded stating they requested removal of the collection tradeline on XX/XX/2023. 

As of XX/XX/2023, the invalid tradeline has not been removed and accordingly causing personal damage. 

TransUnion has blocked my ability to pull my credit report due to an investigation that will be immediately resolved once the collection tradeline is removed at requested by the collection agency. At my own personal expense of around {$30.00}, I had to use XXXX XXXX to view my, supposedly free, TransUnion report. 

Current investigation with TransUnion is Complaint ID XXXX.
Product: Credit card

My account was stolen and fraudulent activities have been on my account and when I contact self financial, they told me that I accumulated a lot of interest charges and also they will be closing my account in seven days if I dont make a payment and also I will lose my deposit and also I have a credit builder account and was told I can not get information about.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX  ) # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and in XX/XX/XXXX, I had a judgement against me and went through a wage garnishment. After my wages were garnished, I thought I would receive a Satisfaction of Judgment Letter that the company was to file with the Courts, I called them and they indicated that I still owed XXXX in interest charges. I paid the interest charges in XX/XX/XXXX and wrote them a letter indicating that they submit with the court A Satisfaction of Judgment Letter and mail me my copy. It has been three months and they have not responded to my letter nor sent me my copy of the Satisfaction of Judgement Letter. The company is Modern Adjustment Bureau. I am trying to purchase a house and would like any and all references of Modern Adjustment Bureau deleted from all 3 bureau reports since my debt is paid in full. I wrote them a letter on XX/XX/XXXX, and still have not received a response from them. This is effecting my life as this is still on my credit and I can not qualify for a house since this is still on my credit and I have no proof that it is paid since I do not have my Satisfaction of Judgment letter from the Courts. As I understand it, I could take Modern Adjustment Bureau to court and get damages, but I would rather try to fix this another way. Please help me if possible, I've been going through this for some time now. Thank you
Product: Debt collection

I am submitting this complaint regarding an inaccurately reported debt on my credit report by NBC Management Services. 

Debt Timeline : On XX/XX/XXXX, I financed a vehicle. 
I became delinquent on the loan on XX/XX/XXXX. 
This debt was sold to NBC Management Services in XXXX. 
Issue with Reporting : After purchasing the debt in XXXX, the collection agency began reporting it to the credit bureaus. However, they failed to accurately reflect the original date of first delinquency ( DOFD ). 

Under the Fair Credit Reporting Act ( FCRA ), the 7-year reporting period must be based on the DOFD, which is XX/XX/XXXX. Therefore, this debt should no longer appear on my credit report after XX/XX/XXXX. Instead, NBC Management Services re-aged the debt, making it appear newer. This misrepresentation is a clear violation of federal law. 

Dispute Filed : On XX/XX/XXXX, I submitted disputes with XXXX and XXXX, providing proof from NBC Management Services confirming the accurate DOFD as XX/XX/XXXX. Despite having ample time to correct this error, neither the credit bureaus nor the collection agency have resolved this issue. 

Desired Resolution : I am requesting that this debt be permanently deleted from my credit report. 

The collection agency has been reporting inaccurate information for years and has had numerous opportunities to correct this violation. By continuously reporting the debt with the wrong DOFD, NBC Management Services has knowingly violated the law. This issue would have gone unnoticed if I had not reviewed my credit report carefully. 

The harm caused by this misreporting has significantly affected my credit history and financial standing. The only appropriate resolution is the complete removal of this account from my credit report. 

Supporting Documentation : I have attached the following documents to support my complaint : Proof of the original delinquency date ( provided by NBC Management Services ). 
A copy of my dispute submission to the credit bureaus. 
I trust that the CFPB will address this matter promptly and hold NBC Management Services accountable for violating the FCRA. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Current Bank. I have a balance on my card. I can't withdraw money from the card at the ATM. Customer service just XXXX me around. What happened with former balances on my card account? I'm tired of living broke. I'm tired of disappearing money. People steal. This isn't an airtight game here. Why does Current play along with it? I'll send reciepts I've had way more than {$300.00} missing from my Current account.
Product: Debt collection

this message is for XXXX XXXX XXXXXXXX and sessoms and rogers. sessoms and rogers is the lawfirm for XXXX XXXX XXXX debt collection. i fell behind on my XXXX XXXX XXXX credit card payments so they had sessoms and rogers take the payments instead. sessoms and rogers declined to take debit card payments and insisted they do it from my XXXX XXXX XXXX XXXX checking account using the checking account and routing number. so i agreed. i recently tried to do a stop payment because i did not have the XXXX dollars they were going to be pulling out for XX/XX/XXXX XXXX i called my bank, XXXX XXXX XXXX XXXX to do a stop payment. they informed me that they couldnt because sessoms and rogers, being deceptive, was doing ach debit payments and converting them to checks making it impossible for my bank to do stop payments. i did not know this until a XXXX XXXX XXXX XXXX representative informed me of this. she said that is kind of deceptive. so she advised that i get a new checking account which i am doing now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX violated my rights Under 15 USC 1681 a number 3. XXXX assumed this role without permission not only that you did not have my consent. 
Under 15 USC 1681 a number 4. I did not exercise your grave responsibility you were unfair, you were partial and you did not respect my right to privacy.

already filed a CFPB report and an attorney general 's complaint. I can give you the CFPB report. ( File the CFPB report a few minutes before calling ).

You never had a permissible purpose Under 1681 b number 2. I never instructed you to furnish this report or to create this report. I never consented to this report in the first place.
Product: Credit reporting or other personal consumer reports

Information not properly verified and inaccurate information still present on my credit profile. Removing information and reinserting it. 

XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX Experian : XXXX US DEPT OF ED/XXXX Experian : XXXX XXXX Experian : XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX  Experian : XXXX XXXX XXXXXXXX XXXX  Experian : XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX  Experian : XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXXXXXX Experian : XXXX XXXXXXXX XXXX XXXX Experian : XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX Experian : XXXX
Product: Money transfer, virtual currency, or money service

This issued was reported back In XXXX against the Chase Bank for allowing a wire fraud to take place and helping with the criminal activity. 
On XX/XX/XXXX a wire transfer for real state closing was initiated from XXXX XXXX XXXX. 2 hours later the wire details were indentify as fraud and the bank initiated the swift recall. 48 hours later on XX/XX/XXXX after the holiday the manager of the XXXX XXXX XXXX  in windward is advised the funds are frozen at chase due to name discrepancy and fraud alert. 20 days later the chase releases the money to the fraudster and closes the account. 
The bank refused to cooperate with me or the wells fargo but after the investigation of the XXXX police department cyber crime division found the account was open at the chase bank by a person with virtual number and non existing address. 
The Wire transfer was sent to the closing attorneys and the bank paid it to a different person accordingly to the records and closed the account to avoid being trace. This proves the bank did cooperate with this crime.
Product: Money transfer, virtual currency, or money service

XXXX XXXX ( PayPal name, Email : XXXX, Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, United States, Phone Number : XXXX ) bought a jacket from me and the transaction was done through PayPal on XX/XX/XXXX ( Transaction ID XXXX ). The Jacket sold for $ XXXXOur conversation initiated on XXXX, an online shopping app. He then asked me if I want to do the transaction on PayPal instead. The transaction was fine until XX/XX/XXXX when he issued a claim on PayPal, stating that the jacket was not as described. He wore the jacket and then resale to someone else. The next buyer found the jacket was worn and asked XXXX to return. Hence, XXXX  file a claim through PayPal to return the jacket. PayPal decided to reject his claim after going through the case and details. However, they finally charged my money back because XXXX XXXX issued a dispute to his credit card bank. The bank took the money back from PayPal and PayPal had to take the money back from my account. PayPal said the only thing I can do now is to wait for the decision from the issuer 's bank or to sue him. 

I found this case a total fraud as XXXX XXXX himself was wearing the jacket after he received it from me, according to several pictures he posted on social media. Also, there can't be any damage as he described because when he posted the jacket online for sale, he said it's brand new and no damage at all. 

Please find the essential evidence of my original XXXX post, screenshots of our conversation, pictures of him wearing that jacket, screenshots of his online shop posting the jacket and PayPal solution. 

For now, Paypal decided to refund the money from my account, and didnt ask the buyer to return the jacket. Paypal charged me {$1400.00} from my account and I also lost the jacket.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I went to look at new vehicles at XXXX XXXX in XXXX, TX. I gave the salesman my ID in order to drive a vehicle, but ended up not driving the vehicle after I realized he gave me false information over the phone. About 4 hours after I left the dealership I started getting notifications from credit bureaus that someone ran my credit at the dealership. I never filled out any paper work, never signed anything. In fact, I expressed my displeasure regarding the false information and told them I had no desire to purchase a vehicle from them. So, they ran my credit based on my Drivers License information. I know this because they used the address that was on the DL and it wasn't my current address. They ran it through Ally Financial, XXXX XXXX XXXX, XXXX XXXX XXXX. I just built a new house and didn't update it yet. I contacted the dealership the next day and they claimed to have mixed up my information with someone else and said they'd submit all the paper work to correct the issue. I've got 10 or so emails from the 'Sales Director ' ( XXXX XXXX ( XXXX ) XXXX ) stating he was taking care of it and he'd follow up. He hasn't followed up any and nothing has been done. I tried submitting disputes to the credit bureau 's, to no avail. This company is extremely dishonest and down right shady! They ran my credit to see if they could make me a good deal on a car, thinking that I'd buy one. Never do business with this company.
Product: Student loan

Everytime I call Navient and attempt to speak with a customer service representative, I get the run around in their automated system. I attempt to circumvent that by trying different options, hitting zero, etc. but all that ends up happening every single time is the system tells me " it does not understand my response '' and tells me to go to their website and then disconnects me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX  XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting

I have notified Experian that this account is either inaccurately status or do not belong to me. I would like for you to help me to get this matter resolved. This account is not a charge off account. Please removed this account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kindly be sure with the accuracy and precision with this customer record accounts. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate. 
XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1500.00}