23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Earlier in the year, addressee, XXXX XXXX aka XXXX XXXX, applied for XXXX ; upon approval many loans were discharged. Addressee, noticed that Navient possessed a few XXXX loans, which were not discharged. Addressee, XXXX XXXX aka XXXX XXXX, called Navient and requested to know why the loans were not discharged, and a respresentative from Navient stated that it was due to name differences. Addressee, XXXX XXXX aka XXXX XXXX, then went about to gather the necessary information to encourage and quick and speedly discourage, a Navient representative informed the addressee of the receipt of information, which the addressee has via email and other information. The addressee, that Navient has not discharged the loans in question. Addressee XXXX XXXX aka XXXX XXXX, is asking Naviet why the loans have n't been dischanged, to sent the addressee the origin of the loans and to expand why the loans, the year of which, is currently under federal question?
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, This debt has been settled and paid multiple times. However Fair Collections and Out continues this fraudulent behavior. I have tried contacting them, along with XXXX. These were all settled in XXXX or XXXX. For {$1700.00} {$2700.00} and {$2000.00} which were negotiated and paid with XXXX XXXX XXXX in XXXX XXXX. This has caused me to go XXXX because of greed.
Product: Debt collection

Listed Below you will find items reported on my XXXX Credit report that 1. Do not belong to me, 2. I have no knowledge of this account, 3. Written instructions were not give in in accordance to 15 U.S. Code 1681b ( 2 ). 

- XXXX XXXX XXXX {$700.00} - XXXX XXXX XXXX {$960.00} - XXXX XXXX XXXX {$1000.00} - XXXX XXXX {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 : States a consumer reporting agency can not furnish an account without my written instructions. 


XXXX XXXX XXXX XX/XX/XXXX amount, XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX Collection opened XX/XX/XXXX States Account is closed and paid in full yet, still reporting on my credit report which is also a violation of my consumer rights. 


As-well as the removal of these inquiry of my credit report. as these have violated my rights of 15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 


XXXX XXXX XXXX Bank XXXX XXXX XXXX date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX BANK Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date XXXX XXXX XXXX XXXX XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX  XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the XXXX account on my credit report that says it was opened XX/XX/XXXX & is currently showing a balance of XXXX & charge off status. This account went into repayment in XXXX, was included in ch XXXX bankruptcy in XXXX and discharged in XXXX. The chapter XXXX bankruptcy pubic record itself isnt on my credit report because the bankruptcy is chapter XXXX and over 7 years old ( the record has fallen off due to its age ). This account was also included in chapter XXXX bankruptcy in XXXX, although it didnt need to be because it was already discharged prior to that. This account has been previously disputed and you have previously updated the account for me many times because the creditor goes in from time to time and updates it back to charge of status. I have been told to just call when this happens and within 24-72 hours you will fix the status back because this has been previously investigated and found in my favor. I have used this process successfully several times. However, a few days ago I contacted experian when I became aware the creditor updated this to have a balance again and the rep opened the dispute and after I heard nothing after several days I called back to check on the status and that rep said it could take 30 days. I explained I shouldn ; t need a whole investigation again for this same issue and to look in my file they can see the history of this issue. This brings down my score every time this happens and should be handled swiftly. She was no help. I received notification this morning the dispute was resolved and when I review it says it was updated, but nothing was updated. It still shows a balance and charge off status. I need this fixed asap and you need a better process for preventing this from recurring. This debt is over 7 years from the original delinquency anyway and I have no idea why it is even on my report to begin with at this point. I have attached the loan details from XXXX - this went into repayment in XXXX.
Product: Credit card

I start reusing the credit card on XX/XX/year> and I received a statement by mail, on XXXX with late fee of {$25.00} plus interest of {$4.00} instead to have the statement on real time to be able to pay for what I spend, so they artificially announced my payment late to apply an abusive penalties. 
This practise of Wells Fargo was used before against me. 
I refused to pay this statement, being late is due to their scam by not sending me the statement on time as every time before, when I always paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This formal complaint is against XXXX, Experian and XXXX for unlawfully reporting fraudulent accounts that were established using personal identification without my authorization or written consent. XXXX has willfully and negligently ignored multiple dispute requests to properly address fraudulent information being furnished on my consumer report. You have failed and neglected to provide written proof and validation that these alleged accounts belong truly to me. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged accounts, nor therefore any such debt, in fact therefore exists.
Product: Credit card or prepaid card

Im very hurt with bluebird card I have over {$11000.00} available to my account. I was supposed to get a new place and pay bills and car I went to the atm to withdraw some cash and I received an email saying that my account is suspended. Theres no number neither email To contact. They want me to send a mail to Georgia. Im XXXX  today because of bluebird American Express. It hurt. Im in pain. 
I havent done nothing to have my account suspended I have been with this business for more than 6 years. I dont even have $ $ $ to eat food. 
Please help me put
Product: Debt collection

I am filing a complaint to request validation of the debt associated with the account XXXX on my XXXX report. I have no knowledge of this collection account and would like to verify its legitimacy. 

Please provide me with the details of the debt, including the original creditor 's name, the amount owed, and any documentation that supports your claim. Under the Fair Debt Collection Practices Act, I have the right to request this information. 

Until I receive the requested validation, I ask that you cease all collection activities regarding this account.
Product: Money transfer, virtual currency, or money service

I'm trying to link my account with the XXXX XXXX  to start investing into stocks, but PNC does not allow me to link my account to it. I really want to start investing, so I need access to link my account.
Product: Debt collection

The property management submitted a debt to a debt collector that I don't own. I feel it was in retaliation because I had to sue them for not returning my deposit. The case was closed and my deposit + court fees was returned by the property owner via mail in check form. I have emails of all conversations between myself, the property manager and the property owner about the deposit and this random debt. I reached out to the debt collector on XX/XX/XXXX about the debt and they never responded. The debt is still being reported on all three credit bureaus. The debt is for {$3700.00} and the date it was reported was XX/XX/XXXX. My court date was in XX/XX/XXXX. The company sent me one letter and that was my response to it. I haven't heard back from them.
Product: Credit reporting or other personal consumer reports

This is a multiple request to remove these unathorized inquiries from my XXXX and TRANSUNION 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
Product: Credit card or prepaid card

I have had Discover Card since XXXX and have an outrageous rate of 18.99 % on purchases from XX/XX/XXXX and prior. When I called to ask why it is so high I was told ( on XX/XX/XXXX ) that I had a late fee on XX/XX/XXXX which increased the rate to 23.99 %. At some point they did reduce the rate to 18.99 % but will not reduce it further because I " signed that I knew the policy. '' Can Discover Card continue to penalize me after 10 years? They don't care why I was late or that I have paid on time regularly for years. Is there anything I can do? I'm trying to retire and can only do it if I can pay my bills down. 

Thanks for any help.
Product: Credit reporting or other personal consumer reports

I just checked my XXXX and Transunion Credit Report and it shows multiple billing errors. Please see the dispute letters I sent to the Bureaus.
Product: Bank account or service

I have a business account with Chase. My fiance is a signer on the account and has her own debit card. She deposited a check made payable to her personally into the business account. She received a receipt saying that it may take up to 10 days to clear. I received a letter from Chase and was told over the phone that due to the deposit, my account was restricted and would be closed unless they received certain information from me -- specifically wanted to know the phone number associated with the payer 's account. While this seemed unusual, I asked the payer for the phone number associated with his business account with XXXX XXXX XXXX. He told me that the check had cleared his account and emailed me copies of front and back of check indicating it had been paid ( attached ) also gave me the phone number. The Chase phone person said that this was not the right number associated with his account, Dozens of phone calls and two weeks later the funds sit in a suspense account at Chase " indefinitely '' and my account is being closed by Chase at which time the payer can request the funds be returned to his bank, so long as he provides the information that Chase is looking for. Of course this is absurd and I would hope be illegal as it is basically stealing. Does Chase have a right to hold money indefinitely and require personal information from a paying account not even related to Chase?
Product: Credit card or prepaid card

Bank : Capital One Statement attached I called Capital One today about a cash advance interest charge ( CAIT ) for {$45.00} on my current Quicksilver credit card statement. I have never used the card at an ATM and had only used it to wire money a few times. I have had the card for many years. I discovered today that the CAIT is repeatedly charged no matter when you initially made the wire transfer for as long as there is an outstanding balance of any amount. The CAIT is charged in addition to the interest charge for purchases ( ICP ) {$32.00}. The ICP policy I was well aware of and have no problem with it. The CAIT policy I was entirely unaware of, and I believe it is excessive and abusive. I was told that for as long as I have had the card, from the first time I made a wire transfer, if there was an outstanding balance, I have received a monthly CAIT ( {$45.00} ) + ICP ( variable ) for that wire transfer until the balance went to {$0.00}. That process began anew as soon as I made another wire transfer followed by an outstanding balance. I've also noticed random fees without explanation. I am shocked and so disappointed by Capital One. I feel they have taken advantage of me as a consumer.
Product: Credit reporting or other personal consumer reports

After receiving notice that my personal information has been exposed during XXXX breach I pulled a copy of my credit report and noticed the accounts listed were unauthorized and I have no knowledge. 

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

On XX/XX/2019 I received notice that XXXX XXXX had reported my credit score to XXXX XXXX. This score was over 200 points lower than my XXXX credit score. I was notified that XXXX XXXX uses a different measuring matrix than the other three well known credit reporting bureaus. This results in a much lower score being reported. The lower score allows lending institutions to charge a higher interest rate to the consumer. I believe the different measuring matrix is a deliberate attempt to mislead lenders and amounts to defamation of character as well as bank fraud. Prior to XX/XX/2019 I had never heard of XXXX XXXX. 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Ca. XXXX, Phone XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX XXXXXX/XX/2021. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. This is a case of identity theft and I am taking steps to report this to the authorities. I understand that the Fair Credit Reporting Act requires the Credit Bureaus to conduct a reasonable investigation into any disputes, and I am confident that the Credit Bureaus will find that these accounts are fraudulent and should not be listed on my credit report. According to FCRA Section 605B ( a ), the Credit Bureaus shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress doe these violations
Product: Debt collection

To whom this may concern, 3 of my hard enquiries on my credit reporting should not be there. During this period I had health insurance with XXXX when I gave birth to my daughter in 2020. 
One of the collections was paid to the initial company by my insurance and 8 months later they retracted this payment which then they sent it to collections. The other 2 never applied my insurance. Ive been dealing with the insurance for the last 2 years and everyone I speak to tell me there shouldnt be an issue as I had insurance the whole time with no issues and can not understand why it was retracted But say now its been too long I may struggle to get them to pay. It should not be my responsibility to pay these it should be my insurance company and I can never get through to a person that can honestly help me out. Ive filed a complaint, escalated the problem and made a claim and they all get thrown out because it was 2 years ago. Please find attached the proof of insurance paying and then retracting payment saying it was terminated and is now my responsibility. The insurance tells me my coverage never needed so they should pay it. 
In regards to 2 other collections I was unaware that the hospital didnt apply my insurance. I called the hospital recently and they said they also escalated and will try and reach out to my insurance however because I no longer use them as my current insurance due to this problem they may face problems due to the time frame. In regards to the first they retracted the payment so many months later it was then late the insurance said to file an appeal. 
Please also find attached all proof on my credit report. 2 from us anestesia and 1 from advanced obgyn.m that my insurance is responsible for paying for. This situation has caused so much upset and stress over the years and unfortunately I can not purchase a home. 
Any help in this matter is so greatly appreciated. 
Kind regards XXXX
Product: Debt collection

This is with regards to Barclays XXXX XXXX XXXX. They took over XXXX card in XX/XX/XXXX and notified customers that the previous online account will no longer be active and the new credit card will arrive in the mail by XXXX XX/XX/XXXX. I called Barclays customer care around the XX/XX/XXXX when I had not received the card and was not able to pay my outstanding bill of {$230.00} for purchases made. The customer service agent said the address they had on file was incorrect, an error made by Barclays during the transfer of account information. As a result I was unable to pay the bill on the due date of XX/XX/XXXX. During the call i requested the agent to waive the late payment charges incurred due to Barclays error with the mailing address. 

I received the card and made the full payment of {$230.00} on XX/XX/XXXX. I also called customer service again to request the waiver of the late payment charges of {$32.00} as of XX/XX/XXXX. He told me it was waived. I received another bill on XX/XX/XXXX of {$67.00} and I started receiving at least XXXX calls a week asking to pay the over due bill. I called customer service again to explain that the problem and request a waiver. The agent told me that there were no charges showing on my account. I decided to close my account on XX/XX/XXXX with Barclays and deactivate my XXXX card because of this nasty experience. I left a message on the site explaining the unfair charges and my reason for leaving. I received another bill on XX/XX/XXXX with an amount of {$110.00} after my account is closed. I wil not pay this because it has been unfairly charged and is nothing but a greedy and fraudulent technique of getting customers to pay.
Product: Student loan

I called to see if Sallie Mae could give me a student loan based on my unique situation. The woman I talked to said that I could and that she could fill out the application over the phone. I asked for {$5000.00} for one semester of school. 

The application was set up requesting {$28000.00}. Obviously it was declined. I called back to get it fixed and was told all that could be done was to redo the application - causing ANOTHER unnecessary credit run. This was totally their fault and I was told there were no options to have it fixed. 

My income is XXXX XXXX XXXX  year - a {$5000.00} loan should have been an automatic approval. But because their associate decided to inflate the request to a completely ridiculous degree, I will not be able to get a loan now to finish up my education.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX placed a hard inquiry onto my credit account for a phone plan that I was not eligible for, the store manager had given me incorrect information regarding my eligibility. When I tried to verify that account through XXXX  I could not since I was not in fact eligible. I found out that for that plan my husband had to be the primary account holder. So we put it in his name and transferred responsibility which in turn put an inquiry on his account. I spoke to XXXX and they agreed that the inquiry on my account was not fair/ valid and they agreed that it should be removed. However they informed me that they did not have a department that could issue me a letter of deletion. They told me to contact Transunion directly, which I did. Transunion informed me that they could do nothing without the letter of deletion. At that point I made a complaint with consumer finance. I then received an email from consumer finance stating that Transunion had agreed to handle/ assist me with my dispute. I received a letter from Transunion on XX/XX/XXXX stating that if I wanted it taken off my credit report I needed to contact XXXX directly for a letter of deletion. I called XXXX again and they told me they could not issue me a letter of deletion because they didn't have a department that did that. So now I back again making another complaint and hoping that this issue can be resolved.
Product: Credit reporting or other personal consumer reports

A credit report was ran for pre approval of a home loan. There is an account in collections from Credit Control Service in the amount of {$89.00} for an account originally with XXXX XXXX XXXX. This account went into collections on XX/XX/2024. After reaching out to XXXX, they have no record of me having an account with them, or collections. After contacting Credit control service, I was informed they do not deal with XXXX as a client and have no account
Product: Student loan

I have tried to redirect the additional money I send in monthly to specified loan amounts which is an option on the website. I have gotten an error message on several attempts on different days and have called Nelnet to correct this issue. The service rep was not able to do this during the call, but only submit a request and expect that someone will update this and send me confirmation. The rep is also unable to redirect my additional payment upon request. There is not a dept for online issues and no one else to be directed to. I am actually unable to access my account to send any documentation or screen shots as I write this complaint. I believe this system to be faulty and also believe the website to be misleading in how it recommends payments to be directed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent off two notarized dispute letters on XX/XX/XXXX and XX/XX/XXXX. It has been over 30 days and I have yet to receive a response from Experian. With that being said under the FCRA, if an investigation is not completed 30 days after receiving a dispute letter, they must delete all of the unverifiable and inaccurate information contained within that dispute letter.