23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XXXX XXXX, XXXX, I received a Notice of Wage Withholding from a private company called Performant. During a phone conversation near the date of this notice, I asked Performant to send me documentation regarding the federal student loan for which it was demanding payment. Prior to receiving this notice from Performant, I had not received any notice from any lender regarding default. I had taken a loan in XXXX to attend XXXX University in XXXX XXXX. I had made regular payments on that loan to a private lender, XXXX. In XXXX, I asked for and received a forbearance during the period of my graduate study. When I graduated in XXXX, I checked my account with XXXX 's servicer and received notice that no balance was due. 

Accordingly, when I received notice from Performant of the Garnishment action I asked for documentation. As of this writing, there has still been no documentation provided. I further tried to reach an agreement with Performant as I told them directly that I wanted to pay the loan -- the balance of which was approximately {$2400.00}. Performant instead demanded immediate and full payment of an obligation it purported to be {$2600.00} - adding various fees. Performant never gave me a reason for rejecting my good faith of an offer of a payment plan of {$400.00} every month for six consecutive months. 

On XXXX XXXX, XXXX, I contacted legal assistance. My attorney wrote Performant on XXXX XXXX, XXXX, and demanded Performant provide copies of its loan materials and to discuss a good faith repayment plan outlined above. Performant never returned any communication. 

On XXXX XXXX, XXXX, Performant issued a XXXX XXXX to my employer. Performant further asserted to my employer that it had notified me multiple times regarding the Garnishment, and contrary to all fact, told my employer that it has been compliant in showing me the basis of its asserted obligation. 

As of this time, my employer is withholding my pay based on Performant 's non-compliant if not fraudulent representations.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Navient is harassing me and posting negative remarks on my credit report. There are XXXX reasons I want to dispute that I owe them anything : XXXX ) I filed bankruptcy in XXXX and it was discharged. 

XXXX ) They fraudulently loaned me money in XXXX where they did not disclose that they weren't supposed to loan me more than the cost of tuition.
Product: Credit reporting or other personal consumer reports

I am concerned that these hard inquiries negatively impact my credit score, and I believe they were made without my full consent or knowledge. To my best understanding, these inquiries were not initiated by me, nor did I grant explicit permission for creditor to access my credit report.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2022, I personally went to a JPMorgan Chase Bank, The XXXX XXXX XXXX in XXXX, NY, requested a cash transfer of {$120000.00} from my Chase account to the XXXX XXXX XXXX. 

I showed the bank teller the copy of information sheet with the XXXX XXXX code of XXXX. I pointed it to the bank teller to transfer the cash of {>= $1,000,000} to this Reference code. She said : Yes, no problem. 
After she had done her job on me, she told me : XXXX XXXX, the funding will be ready in minutes. 

But it has been more than 4 months, the XXXX XXXX XXXXs insisting that my cash of {>= $1,000,000} has never received as of today on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX opened on my account that I did not approve.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, closed on XX/XX/XXXX XXXX XXXX, closed on XX/XX/XXXX XXXX XXXX XXXX closed on XX/XX/XXXX XXXX XXXX XXXX closed on XX/XX/XXXX XXXX XXXX XXXX, closed on XX/XX/XXXX XXXX  XXXX XXXX XXXX, collection. 

The above accounts have violated the following rights : 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) 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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Experian have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Charge off : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance {$580.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$950.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX Balance {$650.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1300.00} ;
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) law suit against XXXX ( Case No.8:25-cv-24 ).

My dispute failed to reflect accurate investigations. For instance 15 USC 1681i ( a ) 1 challenges the 30 day response time.

15 USC 1681i ( a ) 6 ( B ) 3challenges investigation protocol.

15 USC 1681i ( a ) ( 5 ) B challenges reinsertion protocols.
Product: Bank account or service

On XX/XX/2016 a garnishment levy was placed at Bank of America and a hold was placed on my personal checking and savings account. On that same day a " judgement debtors claim for exemption '' was filed in the 11th judicial circuit court, XXXX, MO and delivered to my local branch of Bank of America. Bank of America staff accepted but refused to honor said filing. They submitted it up the corporate pathways and told me each day that it was being processed. No one would let me communicate with the legal department, nor did they ask for more information. I also talked multiple times with the Law Firm holding the garnishment and they informed me that I filed correctly and presented correctly to the bank. On XX/XX/2016 the Law Firm holding the garnishment fully released the garnishment and faxed multiple locations of Bank of America, including my local branch, the legal department, the XXXX, MO branch and another department ( unnamed ). When I presented in person back to my branch in XXXX, MO after speaking multiple times to the customer service line, I was informed ( as they held both copies of both legal documents ) that the matter would have to be processed until XXXX at night when I then could call to have my problem " escalated '' which would give me my funds no sooner than the following XX/XX/2016. 
The law states I should have had my money released immediately a week ago.
Product: Credit reporting or other personal consumer reports

Personal Statement I have been XXXX  for XXXX years from XXXX and I recently viewed my credit report and my personal information was used illegally without my consent nor my permission and my credit was used without my knowledge, This account ( XXXX ( Original Creditor : XXXX XXXX XXXX account XXXX XXXX, are fraudulent and must be deleted immediately and was did illegally and must be removed under 15 U.S. Code 16815-2 ( B ) of the ( FCRA ) fair credit reporting act and must be removed immediately this account is fraudulent and was made without my consent. my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. This account is a violation under FCRA and much be deleted my information has been stolen and used whoever stolen My information has used it illegally to apply for a Phone account with XXXX XXXX that was later sent to a collection agency XXXX XXXX XXXX, this illegal account are reported illegally on my XXXX XXXX report, Experian report, XXXX report, and XXXX XXXX report. It must be removed. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. This account are unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). This account XXXX ( Original Creditor : XXXX XXXX XXXX ) account # XXXX, are unauthorized and fraudulent please remove this thank you.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I have received a copy of my consumer credit profile report. I am writing in regards to dispute the misleading information that's appearing on my Equifax consumer credit profile report.The following inquiries are unauthorized, and I ask that they be removed immediately. 


Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX IA XXXX XXXX XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be removed immediately from my consumer credit profile report. Please remove any information that the creditor can not verify. I understand that under FCRA 611 ( 15 U.S.C. 1681I and 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.Thank you for your time and help in this matter.
Product: Credit card or prepaid card

On XX/XX/21 American Express declined payment to my phone company XXXX XXXX, stating that it was a fraudulent transaction of {$100.00}. Subsequently XXXX XXXX turned off my phone service. 
I then had to use my XXXX XXXX Visa to reinstate my phone service. I was shocked that Amex made such a determination. Amex said they made that fraudulent determination because I had never charged {$100.00} or more on my card! I found that an unworthy determination as I had recently received a substantial credit line increase from them. I didn't know I had to ask permission from AMEX to charge {$100.00} or more or have them decline the charge! I had to pay XXXX XXXX with my XXXX XXXX Visa to reinstate my phone service. 
I was so embarrassed! XXXX  may consider me unfavorable in the future, due to this slanderous transaction. 

Amex in XXXX tried to cheat me o ut on one of their gasoline offers. Buy {$20.00} get a {$10.00} rebate! I bought the gas the Amex told me I didn't qualify for the {$10.00}. I reported it to CFPB and was finally given the rebate
Product: Other financial service

Received a check from a customer of mine. Their check was from TDBank for {$86.00}. So I went to TDBank to cash it, thinking that is where it was drawn ... TDBank was going to charge me a {$7.00} fee to simply cash the check! When I gasped, they told me this is an industry-standard fee! Not at my bank! 

For people unfortunate enough to not have a bank account, this is highway robbery!! There should be somewhere people do not have to pay a " poor tax '' just to get access to their own money! 

I personally bank with XXXX, the oldest credit union in the US and they have NO FEES -- other than overdraft fees, but theirs are among the lowest in the industry and they offer an even lower fee option when you link your savings to your checking. They offer all kinds of online banking, a smartphone app for mobile banking, great customer service, local and national discounts on insurance, travel, and other perks, convenient locations to me and travel support, so I know where to bank less expensively when traveling outside the US. 

So far I love everything about XXXX and would never bank with a such a short-sighted, fee-first company as TDBank!
Product: Debt collection

I RECEIVED A COURT DOCUMENT ON XXXX XXXX, 2016 STATING I HAVE A MAGISTRATE HEARING ON XXXX AT XXXX XXXX. I CALLED THE COURT AND THEY TOLD ME TO CALL THE ATTORNEY THAT IS ON THE PAPER ( XXXX ). I CALLED AND SPOKE TO XXXX XXXX AT XXXX XXXX. WHEN I SPOKE TO XXXX I WAS ASKING IF HE COULD SEND ME ANY DOCUMENTS THAT HAD MY NAME ON IT. HE STATED THERE WAS ONLY STATEMENTS. I ASKED IF HE COULD SEND EVERYTHING WITH MY NAME ON IT IE THE SIGN UP OF THE CC AND MY SIGNATURE, THE AMOUNT OWED AND HOW THEY GOT THAT NUMBER, WHAT WAS BOUGHT, THE DATE THE DEBT BECAME BECAME PAYABLE, BASICALLY ALL INFO THEY HAD AND THE GUY TOLD ME HE WOULD PUT IN A REQUEST TO SEND OUT COPIES OF MY STATEMENT BUT THATS ALL AND IF IT SENDS IT SENDS AND IF IT DOES N'T OH WELL. HE WAS YELLING AT ME AND MADE ME FEEL VERY UNCOMFORTABLE WHEN I JUST WANTED VERIFICATION AND WHAT WAS GETTING BROUGHT TO COURT HENCE THE FIRST TIME OF HEARING OF THIS DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX These addresses above are on my report and are not past addresses for me, 1 is my sisters and 2 are my parents which I never lived with. 

This name is included on my report and is not correct, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple names and addresses are being reported that do not belong to me. All of the following information listed below is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Two weeks after purchasing a car I received a random letter in the mail from XXXX XXXX. This letter informed me that, after receiving information about my credit score, I would not be able to be approved for a loan. It went on to show that XXXX and XXXX have my credit score at XXXX ... ... and " XXXX XXXX XXXX '' have it at XXXX. This is an absolute scam. My credit score has NEVER been below 800 in decades. I then found online that XXXX has done this exact thing to numerous consumers with page after page of people getting the same results and letters in the mail. XXXX XXXX XXXX is obviously a SCAM and should be thoroughly investigated.
Product: Credit card or prepaid card

On or around XX/XX/2022 I received notification that my account was frozen and overdrawn by an additional amount of {$13000.00}. These charges were made on a replacment card I was waiting to receive from Wells Fargo since early XX/XX/2022 which I was informed it will be mailed out in late XX/XX/2022 whenever inquired about delivery status. I have reported this problem to the local police dept, FTC, United States Postal Police, and CFPB to get this resolved as soon as possible.
Product: Mortgage

The mortgage refinancing started XX/XX/XXXX. 
Mortgage loan XXXX was XXXX XXXX. 
Then in XX/XX/XXXX other loan officer started working on our file her name is XXXX XXXX. 
Now nether of them answering calls or responding on emails. 
Its been 6 months since we started refinancing and its still not done. 
How long we going to wait the result? 
Thank you. 

XXXX family.
Product: Credit card

I've consistently maintained on-time payments for this account, ensuring they never fall overdue. I'm uncertain about the reasons for the reported late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX NC XXXX 3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft SECU Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

9. STATE EMPLOYEES CRED U Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. XXXX  Account Number : XXXX Please remove it from my credit report. 

11. Account Number : XXXX Please remove it from my credit report. 

12. Account Number : XXXX Please remove it from my credit report. 

13. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDUCATION/XXXX  XXXX {$23000.00} XX/XX/XXXX DEPT OF EDUACTION/XXXX  XXXX {$17000.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, in the business of purchasing a vehicle for a company, I only authorized a credit review and it was queried more than XXXX times and those hard inquiries were not authorized. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX I would also like to eliminate. 

XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX