23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my XXXX attempt to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Ive tried to submit dispute on TransUnion website a few time but have been unsuccessful completing my claims through the website.
Product: Credit card

My Sephora visa card expired in XX/XX/XXXX. I never received any new card. So no new charges were made since then. When I go online I would pay my current balance thinking account should be paid off. They kept adding late charges after balance would be paid making my account late now on my credit report. And I would know nothing about it as I thought my balance would've been paid. It's happened every month since XXXX. Shouldn't paying current balance pay it off
Product: Student loan

I have federal grad school loans now handled by Mohela, and this complaint is in regards to communications by Mohela. 

On or around XX/XX/XXXX, I was in the REPAYE program and was moved into the SAVE income based repayment program because SAVE replaced REPAYE. My loans are currently in forbearance due to the SAVE litigation. 

In a letter from Mohela dated XX/XX/XXXX, Mohela indicated the following : " On XX/XX/XXXX, a federal court issued a stay preventing the Department of Education ( ED ) from operating the Saving on a Valuable Education ( SAVE ) Plan. As a result of this ruling, ED has directed MOHELA to put your account into a forbearance. '' The letter further states, " While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. '' In a letter from Mohela dated XX/XX/XXXXXXXX  regarding the same grad school loans from the XX/XX/XXXX letter, Mohela indicated the following : " Although no payments are due at this time, interest continues to accrue on your loan ( s ) during the forbearance period. You have the option to pay the interest during forbearance. '' The letter does not indicate that any update on the SAVE litigation. 

This correspondence is confusing and hurts consumers. 

I have not contacted Mohela because I have constantly received very little in helpful information from them in the past regarding a way forward. As an aside, I am also 1 month from reaching PSLF ( XX/XX/XXXX should have been 120 qualifying payments ), and have not received helpful information from Mohela about getting off of the SAVE plan. Most of the helpful information I have received of value has come from various online resources by third parties. I have little faith in Mohela agents to understand and convey accurately a way forward for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised after careful review of my consumer report I have come across the following items on my consumer report. 
XXXX XXXX Account # XXXX This account is currently reported as charged-off. 
This account exceeds the 600 dollar threshold, I was never sent a 1099c which is a CANCELATION OF DEBT which this account qualifies as realized earned income, which means the status of this account has changed. Furthermore with this account now being considered income this account no longer falls within the guidelines on the FCRA as debt and now must be removed from all credit reports in compliance with 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Delete This account IMMEDIATELY Failure to respond satisfactorily with the above late payments deleted from these referenced accounts and send out a free copy of my report after said changes have been made will result in legal actions taken against your company, for which I will be seeking {$1000.00} for each violation for : Defamation of character ( per se ) Negligible enablement of Identity fraud Fair debt collection practices act 15 U.S. Code 1692g violations fair credit reporting act 15 U.S. Code 1681 violations for willful noncompliance 616 civil liability for willful noncompliance 15 U.S. Code 1681n Signed XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 30. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 31. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 32. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 33. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 34. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 35. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 36. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$5400.00} ; XXXX  XXXX  XXXX Balance : {$0.00}
Product: Vehicle loan or lease

I initiated a used vehicle loan for {$50000.00} use around XX/XX/XXXX for a XXXX XXXX XXXX XXXX XXXX with Navy Federal Credit Union. This was a person to person private sale. The previous owner didn't have the title in his possession yet. Navy Federal said they changed my loan from a " used auto loan '' to a " signature loan with no collateral ''. My payments were set at {$1200.00} a month. Navy Federal said once I get the title and them listed as lean holder, my loan would return to a " used auto loan with the vehicle as collateral '' and my payments and interest would be lowered. During the Covid-19 pandemic, my payments got behind. After covid and I started working again, I was able to get the title of the vehicle transferred to myself. Upon notifying Navy Federal, they INCREASED my payments to {$1900.00} a month and notified me that for the first five years ( approximately ), all of my payments went to late fees and interest. During the summer of XXXX, I asked if Navy Federal would look at my account and see if something was missed. Navy Federal said the most they can do is lower my interest until XX/XX/XXXX and set my payments at approximately {$970.00} a month. With the payments to go back for XXXX. As of XX/XX/XXXX, Navy Federal Credit Union says, I owe {$30000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report I received from Experian has the wrong name an information.
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 re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has furnished unverified debt to consumer reporting agencies without the consent of the consumer. The said actions of this corporation violate the Family Educational Rights and Privacy Act ( FERPA ). 34 CFR Subtitle A Part 99 Subpart D ( a ) whereas it states " The parent or eligible student shall provide a signed and dated written consent before an educational agency or institution discloses personally identifiable information from the student 's education records, except as provided in 99.31. ". The consumer has never given written consent to the educational agency authorizing them to disclose personally identifiable information. XXXX has no right to possess, nor to furnish any of the consumer 's personally identifiable information for the educational agency had no consent to disclose such information. 

Pursuant to 16 CFR I Subchapter D Part 433 433.2 whereas it states " In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Based on Section 609 and 601 of the fcra and also USC 1611 this company he supposed to have proper debt validation in which when requested they could not provide therefore this account should be removed I've done no business with this entity please remove
Product: Checking or savings account

The over draft fees I never signed up for over draft and they would always charge me look it up
Product: Money transfer, virtual currency, or money service

This is regarding transaction ID # XXXX with TransferWise.com. 

On XX/XX/2018, I created an account and used transferwise.com for the first time to send USD XXXX to XXXX. TransferWise asked me my XXXX XXXX account login and password. I gave it to them, so they can use it to get the fund from it. The site showed the money should arrive in 1 hour ( XXXX ). 

On XX/XX/2018, I received an email confirming me that TransferWise has received the money ( XXXX ). 

On XX/XX/2018, I found my account has been deactivated without notice and I can't login to TransferWise.com. So, I sent email to TransferWise and they asked me to send a photo and photo ID ( XXXX ). By this time, it's already 5 days and I already gave up waiting for TransferWise and have already used a different online service to send the money. 

On XX/XX/2018, I replied I don't want the account anymore and just want my money back ( XXXX ). TransferWise asked me to check with the bank ( XXXX ). I called the bank but there's nothing the bank can do because the fund is already cleared. I asked if TransferWise has initiated the refund process or not ( XXXX ). 

On XX/XX/2018, TransferWise replied they have initiated the refund process on their side ( XXXX ) On XX/XX/2018, it's 10 days later and the money hasn't been refunded yet. So, I asked TransferWise again and provided them with a screenshot of the transaction from my checking account ( XXXX ). TransferWise replied that they're conducting a further customer due diligence check on my account and it can take approximately 60 working days ( XXXX ). 

On XX/XX/2018, I sent an email to complain they can't hold my money for that long without my permission ( XXXX ). TransferWise replied with similar info ( XXXX ). 

On XX/XX/2018, I sent another email to TransferWise mentioning it has been 2 months and I haven't received the money back ( XXXX ). TransferWise said they're forwarding my concern to the team ( XXXX ). 

Note : I also have called TransferWise regarding the issue, but they said they can't provide more info.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account on my credit that is not mines
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft and ACH check overdraft fees from the same company ( XXXX XXXXXXXX over XXXX times ) fees I have incurred. I did speak to a representative about it to inform Navy federal that XXXX  XXXX did not have my consent to charge my account by checking account. The Navy federal advisor informed me that nothing could be done about it. The account accumulated over {$600.00} in return check fees. I could not afford it. The account eventually closed. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to XXXX XXXX XXXX it is a billing error I did not receive a statement XXXX  days before the late payment error. If finance charge included, there should be no late payments pursuant XXXX XXXX XXXX ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the transunion, XXXX and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX balance of {$320.00}, account opened with XXXX XXXX XXXX under the account number XXXX on XXXX, account with XXXX XXXX XXXX under the account number XXXX on XX/XX/XXXX These account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Vehicle loan or lease

My mother me an sister all caught XXXX XXXX my mother an sister passed away I been struggling had to relocate an all! My credit was at XXXX not is XXXX they gon na repo my XXXX an than I am not able to get to work I really need some help! Bad please my name Is XXXX XXXX XXXX an XXXX is thru ford
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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
Product: Credit card or prepaid card

In early XX/XX/XXXX ( XXXX ) called credit company to inquire about rewards on travel, was told I did not have to book with them ( credit card ) to get any reward credits, just call upon return of trip and a " statement credit '' would be issued, I was given a contact number - it's a general # for travel. Charged other travel items such as bag fees. 
Upon return called ( XX/XX/XXXX ) went through many representatives at card company, last was a Mr. XXXX Was told that my card did not have a travel reward and I would need to take a cash credit which is 1/2 the value of travel rewards. ie XXXX points for travel is {$25.00}, but XXXX points for cash are required for the same {$25.00}. 

I noted that their web site, under my card #, does not say such and a change should be made to make clear to consumers what the deal is. I consider their web site for my card is a bate and switch scam, and at least false advertising, Here is what the site for my specific card says : " Hello, XXXX. 
Choose the rewards that matter most to you Redeem Points Redemption Value Expiring Points Schedule FAQs View Program Rules Redeem your points. 
XXXX points minimum redemption. 

Travel Cover all or part of the cost of a flight, hotel or car rental. 
XXXX points = {$25.00} XXXX points minimum redemption. 

Gift cards Choose from top retailers and restaurants. 
XXXX points = {$25.00} XXXX points minimum redemption. 

Cash Choose a direct deposit, statement credit and more. 
XXXX points = {$25.00} " Representatives have constantly informed me that my card does not have these benefits, or may if I book a trip through them. Why would I pay 50-70 % more through them. 
AS mentioned I called before trip was told I could do such after trip, if I was told NO the complaint would not have been made.
Product: Credit reporting or other personal consumer reports

Equifax will not update my credit report to reflect current accounts that valid open and reflect on the other XXXX credit reporting agencies. My current credit report on Equifax is totally inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX in response you guys sent mr letter stating i need to be more sprcific how can i be more specific then stating whats my problem is you guys keep giving me the run around 2 complaints filed with consumer dept sent to yous police report filed and you guys keep responding be more specific i want the inquirys you guys cant send me proof of deleted from my file
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I have marked as inaccurate : XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX
Product: Debt collection

XXXX/XXXX/2017 XXXX never received any bill to pay, no notice so i could validate as per fcra. Item just posted to my credit file