23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XX/XX/XXXX, I was hired at the XXXX XXXX XXXX and shortly after, I noticed student loan payments being taken out of my pay. This is my error, of which I am deeply embarrassed, but I did not know it was a garnishment of wages, rather than a monthly direct payment. The balance according to their records was {$23000.00}. I contacted the loan servicer, XXXX in XX/XX/XXXX, requesting a lower payment and this is when I discovered that the LAST 5 YEARS of payments were made under a garnishment. The conversation was if I made the payments for the next 3 months on time I could get a smaller payment ( from nearly {$400.00} to less than {$200.00} ). I was also told in that conversation that if I had a total of 120 payments on the books on time, I could probably get the rest forgiven. My loan was transferred to Navient, effective XX/XX/XXXX,  where I have faithfully made my payments. Between XX/XX/XXXX and now, I had read on the website about loan forgiveness that you had to start one year before your 10th year to  begin the process. In XX/XX/XXXX, I went online, downloaded the form to begin the forgiveness process and mailed the form in. I received a response that my loan was not in the database. I called the phone number given, and a rep named XXXX ( # XXXX ) confirmed that my loan was not in the database and transferred me over to the Public Service Forgiveness Department, where I spoke to a rep named XXXX ( # XXXX ). XXXX confirmed that my loan was not located there and she explained that my loan was not a Direct Loan and that if I requested it at that time, I could begin the process of another 120 payments for forgiveness. I told XXXX that I made payments monthly to Navient and those loans were labelled " consolidated '', and asked what it meant. XXXX replied that was another kind of consolidation and did not qualify as the loan forgiveness qualification process. I am XXXX years old. I have faithfully paid on these loans for 10 years and then some, beginning back in XX/XX/XXXX. It is mind-boggling that I would pay two 120-payment segments on original loans, totalling {$6500.00}. Mind you, I knew nothing about  the loan forgiveness part of student loans until XXXX told me about them. At no time did XXXX say that I had to do anything besides make the 120 monthly payments. Similarly, I do not recall reading anything about putting in a request to change my loan to a " Direct Loan '' in order to qualify, else I would have done it ; all of this time I believed I was in compliance with achieving forgiveness status. If you count the payments I made beginning in XX/XX/XXXX, I have paid on this {$6500.00}. Surely, you have recouped what was owed and more by now.
Product: Debt collection

During the beginning of XX/XX/XXXX, I received alerts on my credit reports that a total of three ( 3 ) collection agencies had reported debts to my credit reports. The original creditor is listed below. Also, All three accounts were opened in Texas. I have lived in the state of Louisiana for over 20 years. These accounts are fradulent. I am a victim of identity theft. I have filed a dispute with XXXX, XXXX and XXXX. Also, I have filed a dispute with all 3 collection agencies and the original creditors. I filed a police report on XX/XX/XXXX with my local municipality. I am waiting to receive the actual report but I do a case #. I am requesting an investigation and ultimately I would like these collection debts to be removed from my account. 
Thank you. 

Original Creditors : ( 1 ) XXXX XXXX XXXX - {$1200.00} Acct # XXXX ( 2 ) XXXX XXXX - {$930.00} Acct opened : XX/XX/XXXX ( 3 ) XXXX XXXX XXXX - {$1600.00} ( XXXX ) Acct # XXXX Acct opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information and credit were used to open a fraudulent XXXX XXXX Account # XXXX. This account has a balance now of {$17000.00} and is appearing on my Transunion credit report file # XXXX. 
I have filed an identity theft report and filled out this written statement as per requirements of the FCRA, and would like to exercise my rights under the FCRA 605 ( b ) to have this item removed in no less than 4 days of the receipt of 1 ) A written statement 2 ) An Identity theft report # XXXX XXXX ) Proof of the identity.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

These Inquiries below are fraudulent are weren't authorized by me 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 or other personal consumer reports

XXXX XXXX XXXX is fraudulently reporting the below information on my credit report and has not been able to provide any of the information I have requested. Thus they have erroneously and fictitiously provided false information to all 3 credit reporting agencies. If infact the information being reported was correct XXXX XXXX XXXX  would not be attempting to suppress this information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX : XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XX/XX/XXXX {$970.00} Financial Date of Last Reported Update Balance Amount Amountt Past Due Date of Last Payment Actual Payment Amount Scheduled Payment Amount Date of 1st Delinquency Date of Last Activity Date Maj Del. 1st Reported Charge Off Amount Deferred Pay Start Date Balloon Pay Amount Balloon Pay Date Date Closed XX/XX/XXXXXXXX  {$970.00} {$970.00} XX/XX/XXXX XX/XX/XXXXXXXX  Type of Account - Open ; Type of Loan - Debt Buyer Account ; Whose Account - Individual Account ; ADDITIONAL INFORMATION - Collection Account ;
Product: Credit reporting

Consumer Financial Protection Bureau, I am very excited to have found you and know that you will be able to help my situation. 

Right now, my husband and I are closing on our house on XX/XX/XXXX ( 14 days from now ). When we obtained an updated copy of my credit report, I noticed that there are 90 day late payments on my XXXX student loans that are being serviced by XXXX. Acct # XXXX. 

Additionally, they are reporting an " Account Status '' as " Currently 90 days late ''. 

Attached is a faxed document from XXXX showing clearly that my account is current and NOT 90 days late. 

My experience in legal matters is extensive in knowledge of the Fair Credit Reporting Act. The Act specifies prohibited practices in the payment reporting guidelines. There can not be a 90 day late payment unless there is also a corresponding 60 day late payment and a 30 day late payment ( credit report attached to this investigation request ). 

I request that Experian remove the illegal 90 day late payment history for XX/XX/2017 for all XXXX of the XXXX accounts # XXXX. 

Thank you VERY much.
Product: Credit reporting or other personal consumer reports

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights on the date of XX/XX/XXXX As well as XXXX XXXX XXXX XXXX XXXX date of XX/XX/XXXX Along with XXXX illegal/Wrong inquiries from XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX the violation by XXXX is XX/XX/XXXX next XXXX is XX/XX/XXXX Last but not least the XXXX wrongful collections I have on my credit profile XXXX by XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX & XXXX Date Opened 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 My name is XXXX XXXX I will not be abused by these by these rich companies no longer I work hard and have money and will take my time to hold every last company accountable this stuff is literally illegal why do this to hard working good people that pay taxes its fine I will make all companies pay through the justice system thank you & XXXX bless
Product: Checking or savings account

I opened my account with a {$10000.00} opening deposit and they have said they can't open our account until I show up in person and they will not give me my money back. The closest branch is nearly an hour away and I work full time, so that is not feasible. I have called multiple times and spent countless hours trying to get my money back. The person whose name and phone number was on the letter requesting a call has not responded to multiple calls and has not called back when messages were left.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late 30 days on this account and I have tried to resolve this with XXXX XXXX and to come to  resolution but never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent the following companies have violated your rights : XXXX XXXX XXXX Account # XXXX - {$490.00} & {$690.00} XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXt # XXXX & # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXXt # XXXX 15 U.S.C.1681 Section 602A - States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 -It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I gave notice to Citibank N.A., that I am revoking my consent that was allowing them to keep all security interest from securitizing all of the derivatives of the accounts associated with the person XXXX. I told them from now on they can not start or continue to securitize any accounts, applications, papers, etc., that have my name XXXX on it. They must cease any securitization immediately. 
I also ordered them to delete all my personal data that they have or ever had or ever used as per Privacy Act of 1974 ( 5 U.S. Code 552a ).

Also I requested to opt out from them to report all of my records to any and all credit bureaus as per 12 CFR 1016.7 and to delete all transmitted records. 
I requested to receive a final communication from them within 30 days that the abovementioned was completed in full. 
No response was ever received.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  XXXX Account Number : XXXX
Product: Credit card or prepaid card

I have requested once via registered and once via certified mail, on XX/XX/XXXX and XX/XX/XXXX XXXX, that American Express NA send me a front and back, true and correct copy of the alleged signed agreement bearing my signature ( full & complete disclosure ), and a detailed copy of the alleged account., according to the Fair Debt Collection Practices Act 15 USC 1692. I have also requested they fill in and sign an affidavit. 

American Express has not fulfilled either of these requests, according to the law as of today, XX/XX/XXXX. 

American Express NA did send me a letter saying they DO NOT have the document that I respectfully requested. Therefore, American Express is in VIOLATION of the law.
Product: Mortgage

I am writing to get relief for harassment by PNC bank ( Heloc division ) ongoing since XX/XX/XXXX. I have been struggling to work with PNC and have been complaining about this issue for more than a year. 

I applied Home equity line of credit with PNC loan XXXX ( XXXX XXXX ) in XX/XX/XXXX. Purpose of applying for heloc was to get a credit line for any future investments/repairs needed for my house. I had made very clear to the loan XXXX several times over phone discussions that I just needed the approval and no money disbursement at the time of approval. 

After few months heloc was approved ( Account XXXX : XXXX ) for amount of {$260000.00} and money was transferred to newly opened PNC checking account without my consent and knowledge. As I never wanted the disbursement of the money, I transferred the entire amount from PNC checking account back to HELOC account in XXXX installments of $ XXXX and $ XXXX. PNC doesnt allow transfer for more than {$99000.00}, thats the reason for XXXX different transfers. 

Later I figured out that PNC has charged me interest on the amount which I have been disputing ( and escalating ) since XX/XX/XXXX. 
PNC did not co-operate and sent my account for collections and later closed the HELOC line and reported to credit bureaus damaging my credit history. The amount disbursed never left my PNC checking account and was transferred against my knowledge and agreements. Please see snippet of all PNC hello transactions below. 

So far, I have worked with following PNC officials to get the issue resolved with no luck. 

XXXX : XXXX XXXX : XXXX XXXX XXXX XXXXXXXX client relations ) : XXXX Escalation Issue # : XXXX XXXX XXXX I am requesting your help to instruct PNC for the following : XXXX. Cancel/Waive the outstanding balance on the closed heloc line XXXX. Remove the property XXXX from the title of my house XXXX. Work with credit bureau to fix my credit history
Product: Checking or savings account

I transferred {$3000.00} from my XXXX XXXXXXXX account to my citi account and theyve froze my accounts and wont provide any information
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX : {$670.00}
Product: Credit card

I obtained a loan from bank to pay off credit cards, a cashiers check was mailed to Macy 's to pay off credit card, the check was cashed by credit card company on XXXX XXXX, 2016 I have receipt confirmation from my bank that it was cashed. The amount has still not been applied to my account on XXXX XXXX, 2016. I have called customer service and sent messages via internet and my bank has faxed over the copies of processed checks and the amount has not been applied to my account.
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, has violated my rights. 

XXXX5 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: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX is due on every Second of the month. I paid it on the XXXX or XXXX of the months. However, XXXX XXXX XXXX is reporting it 30 days Late. Prime example, my due date was on XXXX XXXX, I paid on XX/XX/year>. However, XXXX XXXX XXXX posted the payments on XX/XX/year>. As result, it was reported late. I Always PAID via XXXX XXXX XXXX. XXXX XXXX XXXX refused to correct the ERRORS. Enough is Enough, at the beginning of the loan XXXX XXXX XXXX representative improperly Entered my BANKING information into the computer. XXXX XXXX XXXX representative admitted that the previous representatives mistakenly entered the wrong banking information. And yet, still refused to correct the errors on my credit reports. I even had to make payments arrangements because of errors. XXXX XXXX XXXX is affecting my credit. I NEED ALLY AUTO FINANCE TO CORRECT THE ERRORS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to expose the misconduct and unexplainable behaviors of Equifax. Both my wife and I had are personal information compromised over a month ago and are just learning about this security breach in early XXXX. This is unacceptable and has put our livelihood and safety at stake. I sincerely hope strong actions are taken against this reprehensible organization and its officers. 

Regards, XXXX XXXX
Product: Debt collection

Dear CFPB, I am writing to file a formal complaint regarding a private student loan I took out in XXXX. That is showing opened XX/XX/XXXX on my credit report. I have several issues that I believe need to be addressed immediately, as detailed below. 

Background Loan Date : XXXX not XXXX Account Number : XXXX Reference Number : XXXX Current Creditor : Transworld Systems Inc State of Residence : Illinois Issues XXXX. XXXX XXXX XXXX : In or around XXXX, both my federal and state income tax refunds were withheld to satisfy part or all of this debt.

2. Statute of Limitations : As the loan was taken out in XXXX, and given that the statute of limitations for debt collection in Illinois is XXXX  years, I believe that this debt has surpassed the time frame for legal collection efforts. It is my understanding that this debt should no longer appear on my credit report.

3. Request for Itemized List : I am requesting a detailed, itemized list of all charges and payments made towards this account. This includes all payments applied from tax refunds or any other sources.

Actions Requested 1. Credit Report Corrections : Remove this debt from my credit report due to the statute of limitations being exceeded and the partial payment received from my tax refund.

2. Itemized Statement : Provide an itemized list of all charges and payments made towards this account, including but not limited to the amounts collected from my tax refunds.

I kindly request that the CFPB investigate this matter and take appropriate actions to resolve these issues. Thank you for your prompt attention to this complaint.
Product: Checking or savings account

Navy Federal overdrafted my checking account to pay my credit card bill without my permission. Then closed the account. The amount is {$12.00}. I don't have a problem paying the {$12.00}, but I never authorized that payment and others they took. This is a financial crime that needs to be investigated. It happened in XX/XX/2018. I'm not sure of the month. When I called they tried to get me over to a collection agent and I tried to explain what happened and they continuously tried to collect the {$12.00}.
Product: Checking or savings account

US Bank stole my money. On XX/XX/2023, they placed a hold on my account without explanation or due cause. I was not informed of this by the bank until I attempted to pay for food, and my card was declined. I called customer service to be informed my account was placed on hold, but they were unsure why and who did it. The person that locked my account did not leave contact information, and instructed them not to remove the hold. 

Since then, it has been three months of being run around in a circle. Despite communicating with the home branch manager, as instructed, she often grew frustrated with me and told me theres nothing she could do and her hands are tied and that she didnt have the authority they claimed. Ive tried every angle : various departments, branch managers at multiple locations, and even attempted contacting the headquarters. Nothing! I have asked for a letter explaining why my account- over {$34000.00} - is on hold, but they refuse to give me any details. They claimed they wanted to verify my funds but I have more than proven it is meant for me. The branch manager smirked in my face and said, I dont think youre getting this money. They dont think its meant for you. How dare they!?? Ive never felt so profiled by a bank! Ive incurred late fees, and was almost evicted from my home! I take care of my mother and siblings, and Im my moms XXXX - I explained this to them, and they STILL refuse to give me my money! It has caused a great inconvenience in the lives of me and my family, which include a XXXX person and XXXX. 

Fast forward to XX/XX/2023, they closed both my business and personal accounts. Although the account in question was my personal, they took it upon themselves to lock my business account. They then transferred the $ XXXX from my business to my personal account, then transferred the total amount of $ XXXX to a private account ( which I have no access to, only them ) and closed both my accounts. Standard policy is to send me my money in the form of a cashiers check after account closure, but they are dodging all communication! It has now been about 60 days since my accounts have been closed ( three months since the initial hold ), and they refuse to send me my funds. I have provided all documentation and whatever necessary, and still nothing. Now, they refuse to return my calls, emails, and push me away when I visit a branch although they still have my money ( and refusing to return it to me! ) There has to be something that can be done! There is no way theyre able to just steal my money like that! No way!