23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient As one of the many affected by the lack of implementation of the Joint Consolidation Act, XXXX, my former spouse and I have been working towards the long term administrative forbearance that has been requested by the Department of Education XXXX 

My former spouse claimed XXXX XXXX bankruptcy in XXXX, which put the joint account into a bankruptcy forbearance. ( I had no knowledge for months that this had occurred, as I was working towards getting our IDR payment plan recertified ). I was told by Navient that in order to get the discretionary administrative forbearance as the Department of Education had outlined, both my former spouse and I had to be on the line together. As my ex and I are amicable ( to a degree ), I was finally able to get her on the phone with myself and a Navient account specialist on XX/XX/XXXX. On that call we both verbally requested that the bankruptcy forbearance be rescinded. The CSR, who had spoken to a supervisor about this process, said that it would be sent to the next level of bureaucracy to be discussed and that we should have a decision by XX/XX/XXXX, at which time one of us could call back and have the loan put under the discretionary administrative forbearance outlined by the Department of Education. I called on XX/XX/XXXX & spoke with a CSR named XXXX, who indicated that the request for rescinding the bankruptcy forbearance had been denied. No reason was given. After escalating the call to a supervisor, I received the exact same information : The request was denied on XX/XX/XXXX. No further information was available. I continued to make " What if? '' statements to try to find out what mechanism was necessary to make this happen, such as a letter from the bankruptcy attorney or even a letter from the bankruptcy judge citing that the XXXX was to be excluded from the bankruptcy. No information was available. The supervisor finally said that since it was in bankruptcy, the guarantor of the loan may have more information. XXXX at XXXX. 

As the loan is in my former spouse 's name and I am listed as a co borrower, I can not get access to any information with XXXX. We need to know how to get this bankruptcy forbearance removed from this JOINT loan. If the loan stays in the bankruptcy forbearance, both the former spouse and I will miss out on months, if not years of PSLF counts, as the administrative forbearance will count towards PSLF, whereas the bankruptcy forbearance time will NOT. Both of us have been XXXX XXXX XXXX for 25 years ( I'm on year XXXX ), have never been eligible for any XXXX  forgiveness program, PSLF program, etc. due to being in this Joint Spousal Consolidation Loan program, which was abandoned on XX/XX/XXXX.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Student loan

My current loan was in forbearance until XX/XX/2019. There is a letter posted to my account by the lender ( servicer ) stating repayments were to begin in XX/XX/2019. In XX/XX/2019 and XX/XX/2019, payments were debited from my account. My account overdrafted due to these payments being withdrawn from my account. The overdraft fee is {$37.00} per day. I provided the servicer company with my state assistance information, which they declined to accept. I asked why my payments began before the stated date of XX/XX/2019. I was advised that the money was owed to the company. The payments were to begin XX/XX/2019. On XX/XX/XXXX ( today ), 2019 another payment was debited. Now they are debiting early from my account. This occurred in violation of the letter the servicing company provided to me. 

The loan states that the XXXX XXXX XXXX is the school I attended. I never attended school there. 

I have been unemployed for XXXX years due to health issues. I am currently awaiting a decision on XXXX and have been on state XXXX and food assistance during this time. I have provided documentation in the past proving this. Nelnet now says that this is not acceptable documentation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> certain information that has been reported on my credit file under the provisions of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681. It has come to my attention that certain data has been reported by your agency without my explicit written consent to either furnish or obtain my personal information. 
Pursuant to 15 U.S.C. 1681b, a consumer reporting agency is prohibited from furnishing information about me without my written consent, unless a permissible purpose exists under the law. Furthermore, I have not given any authorization or consent for the reporting or inquiry of my information by the parties involved. I respectfully request that you conduct a thorough investigation to verify the accuracy of the information and ensure it has been reported in compliance with federal law. 
In light of this, I am requesting that you immediately : XXXX. Investigate the validity of the reported information in accordance with 15 U.S.C. 1681i. 
XXXX. Provide evidence of my written consent for the disclosure or inquiry of my credit information. 
XXXX. Remove any unauthorized inquiries or accounts from my credit report. 
Please note that if you can not provide proper documentation or proof of consent, I expect the information to be removed from my credit file promptly, in accordance with the Fair Credit Reporting Act. 
I would appreciate your written response within 30 days, as required by law. Should you need any additional information to process my dispute, please do not hesitate to contact me. 
Thank you for your prompt attention to this matter.
Product: Credit card

I am writing to dispute a transaction related to a XXXX XXXXXXXX XXXX from XXXX XXXX on XX/XX/XXXX. 

On that day, I received multiple email updates from XXXX XXXX stating that my flight was delayed. I proceeded to the airport, expecting the situation to be resolved. However, I later received an email notification stating that the flight was canceled. At the airport, passengers were directed to call customer support for assistance, as several flights had been canceled that day. 

In the absence of timely support from XXXX XXXX, I was forced to book a last-minute flight with another airline, costing me {$1300.00}. XXXX XXXX claimed the cancellation was due to bad weather in XXXX, yet I was informed by several people that the real reason was staffing issues, and they were citing weather to avoid compensating passengers as per the new DOT rules. 

Without my permission, XXXX rebooked me on a flight for the following day. I tried to contact customer support to cancel this rebooking, but after 3 hours and 25 minutes on hold, my phone battery died. Online customer support was also unavailable citing " off line ''. The following day, while I was already en route on the alternate flight, I attempted to reach customer support again and remained on hold for 1 hour and 27 minutes with no response ( I have proof of calling history ). 

Despite my attempts to cancel the rebooked flight, XXXX XXXX later reported to my credit card company that I was a no-show, which is simply not true. I would not have spent {$1300.00} on a new flight if I intended to fly with XXXX the next day. This situation feels purposefully difficult, and I believe both the airline and my credit card provider have failed to support me as a consumer. 

In addition to the flight charges, XXXX also charged me for miles and luggage on a flight I never took. They canceled my original flight, rebooked me without consent, made it impossible to cancel, and then charged me for services I never used. I believe this behavior is unethical, and I request that my credit card company reverse the charges related to this flight.They also as a premium travel credit card " US Bank Altitude reserve '' which I pay $ XXXX has done nothing to support and help in this matter especially since I have travel insurance through the credit card as well. 

I appreciate you looking into this and look forward to a fair resolution and refund for a service never used due to their staffing issues and cancellations.
Product: Debt collection

I had recently made settlement arrangements with the recovery department of Santander for a car loan that defaulted last year. I had fallen onto a period of financial hardship due to unemployment and was unable to make my payments. While the settlement agreement was resolved amicably, they have not yet sent me receipt of payment and more importantly, they have not issued the title to the vehicle. This puts me in a very unfortunate position as I am trying to register the vehicle in my state and they are preventing from doing so without the original document. Without registration, I am unable to acquire insurance and thus legally maintain the vehicle. I have made several attempts to contact the company to resolve this issue and keep finding that the date they will issue the title gets pushed further back. My last communication, a representative from the office of the president, curtly responded that " I went this long without making a payment, than I can wait this long without the title ''. I am trying to do the right thing, by paying off the debt, and abide by my local laws. I feel that this company making efforts to reprimand my delinquency but consequently preventing me from accomplishing this goal.
Product: Debt collection

First contact : automated voicemail to call debt company back I called company back to ask what this was about. I would not give my address. Company did not provide any info about debt and hung up on me. 
Automated voice called back and gave me info about who original debt was from and amount. 
I called original company and they have no record of this being my debt ( which I agree with ). 
I called debt collector back and tried to sort it out ( I did not give my address ) - they hung up on me twice. 
I called back once more and told them to send me a verification notice. Apparently, they should have sent this already ( or did I have to ask for it )? 
Waiting for that so I can dispute the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts: XXXX XXXX XXXXxxxxxxxxx and XXXX XXXX XXXX XXXX XXXXThe accounts were never past due, i never made a late payment to this company ever please change this , i have a good relationship with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for more than 6 month that my mortgage company which is XXXX XXXX XXXX report my payments to the 3 agency credit bureau but they have been refusing to do it. I file for bankruptcy over 7 years ago and I have sent them a confirmation letter written for me and talked to my attorney and he said the confirmation was include when I filed. so in XX/XX/XXXX they asked me for a bankruptcy discharge, I sent it to them, then a confirmation letter in XX/XX/XXXXand another documents and calling and ask them many times to report my payments so I can improve my credit score and get better interest when I apply for any kind of loan ... I don't know what else to do ... please help with this Thank you
Product: Credit reporting

XXXX XXXX foreclosed on our property XXXX XXXX, XXXX, the credit report shows the foreclosure occurred in XXXX. We have documentation to prove the date of the sheriff sale. We were told to vacate the property XXXX XXXX, XXXX. We are trying to clean up our credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that the same information was erroneous. The 3 credit Bureaus are required to revalidate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX {$1000.00}
Product: Payday loan, title loan, personal loan, or advance loan

I have called the company multiple times over this past month to get access to PDF copies of my loan statement. Every XXXX weeks, I pay money and the balance is not moving. I have no access to my loan statements to see how payments are applied and what fees are assessed. I call them and am on the phone for over XXXX minutes often with no resolve. I've emailed as well and I still don't get access to my bi weekly loan statements. Yet, they auto debit my account every XXXX weeks. This is not truth in lending!
Product: Checking or savings account

[ 1 ] Inefficient and difficult process when trying to resume/change/terminate account email with/without TFA/2-factor-authentication.

[ 2 ] If worried about identity-financial fraud, Chase should base its security more around alerting and notifying, instead of forcing users to rely on

3rd party or make is so secure that no one, including the true original user, can't ever access the account again in times of disaster or injury [ 3 ] Why isn't mailing address a reliable way of verifying for a simple replacement? It could send verification letters for users to confirm upon receipt if other authentications fail [ 4 ] If initial mailing excludes concerns that other users of the same mailbox will end up activating those cards and materials instead of the person who ordered, that exclusion shall extend the same when the user is trying to recover/change/terminate the accounts after activation.

[ 5 ] If newly generated statements since activation of cards change the parameters of that concern, having to rely on 3rd party storage to save those recovery information ( TFA/2-factor-authentication, credit card, etc ) defeats that very purpose of " safety and privacy of all users. '' The risk that those other 3rd party who has those information pose at abusing the account questions the efficacy of those measures or always fulfill their obligations on releasing those information only when the true user requests, nor is feasible to enforce that obligations. ( Those 3rd party to whom the true user has to rely on, to have those recovery data - TFA/2-factor-authentication, credit card, etc- in times of disaster, injury, etc can bypass those security measures just as easily ) [ 6 ] It is not entirely possible to prevent others from accessing an account without getting rid of recovery measures for the true original user, therefore, the next best measure is to retain the alerting measure that notifies the true original user of others ' attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an issue with fraud alerts, credit freezes and unknown credit inquiries appearing on my credit report. Experian has allowed unknown sources and dangerous individuals and organizations to access my credit file placing me and my children 's life in danger all because I am no longer paying for a membership. 

Credit bureaus are private companies not the government and they need to stop taking advantage of American citizens. I am a Veteran and I have the CRAs selling my information without my consent- it is actions like this which contribute to the country falling apart. Stop helping criminals and protect American citizens information under law.
Product: Credit reporting, credit repair services, or other personal consumer reports

his 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 sent letters to 3 Credit bureaus. 3 credit bureaus has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : The bureau is provided by federal law to response within that statutory time limit and they still have failed to response to my letters. Therefore all items in question that have been disputed must be removed. 

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed. Please find the attached documents to assist in blocking of the erroneous information which is being posted to my report. 


XXXX XXXX XXXX Inquiry Date XX/XX/2021 XXXX XXXX XXXX Inquiry Date XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX doesn't investigate a fraudulent entry on my credit report. The other 2 credit bureaus have removed it, but XXXX has had 2 chances to clear it up. They just rubberstamp the bad entry from TELE RECOVERY OF LOUISIANA  without proof the account is mine ( it's not ). 

The creditor won't remove it and re-validates it as valid when it is not my debt. This belongs to my wife and her ex. The child is not mine and has not been adopted, I don't have financial responsibility for her and the debt was paid. I have no legal responsibility to pay for the child 's debt and it should be removed from my credit. 

Collection Agency : TELE RECOVERY OF LOUISANA Original Creditor Name : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXXXXXX
Product: Debt collection

I am the victim of identity theft. I have written to the debt collector named on my credit report  Ascendium Education Solutions, Inc XXXX XXXX as well as the credit reporting agencies. The alleged debt was deleted from my credit report but Ascendium Education Solutions, Inc XXXX XXXX  has yet to reimburse me for the funds that were stolen from me by way of tax refund offset. I requested the funds be sent back to me but I got no response. The funds that I am requesting are mine and should not have been taken in the first place.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX  XXXX The following inquiry was not authorized and should not be reporting.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts belowXX/XX/XXXX
Product: Debt collection

I am trying to resolve my past due HOA fees as part of the loan modification process with XXXX. When I contacted my HOA I was informed that my account has been placed with a debt collector attorneys firm. When I contacted the attorneys office they stated I needed to pay them either {$200.00} or {$300.00} just for them to tell me how much I owe them. The more I paid them the faster they would provide the information. I find it difficult to believe that this bullying tactic is even legal. It is certainly NOT ethical.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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

I received an alert from Experian on XX/XX/XXXX decreasing my score and my credit rating. There were no new inquiries or information stating why. Can not speak to a live representative with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX, XXXX pulled my credit report for a loans/and OR, Credit cards for someone using my Identity to apply for a Loans or Credit. On XX/XX/XXXX I filed an Identity Theft report, and Police Report with my local police department XXXX XXXX XXXX police department, because I got alert that someone had opened, different credit lines in my name without me knowing. 
Someone was using my Identity to apply for loans and, lines of credit online. There were over seven accounts opened, and over 18 hard inquires. I reported everything right away to all three credits companys, XX/XX/XXXX, XXXX, XX/XX/XXXX,. A alert was supposed to be put on my credit reports for 90 days. 
From XX/XX/XXXX to XX/XX/XXXX. However, whoever is using my social security number has been still trying to get credit in my name. I spoke to ( XX/XX/XXXX, XXXX ) and they could not release information because some of the information did not match what I what information I had. 
However, they still put a Hard Inquiry on my XXXX, and XXXX credit reports. on XX/XX/XXXX a total of three times in a matter of a three-month span time. 
As of today, I have contacted Social Security Administration, and have a appt to get a new social security card this does not keep happening. This is affecting my credit and, I take my credit serious. I am shocked, and still shocked as, to how this is has happened, and it has taken me almost months so far to try and, clean up my credit report.