23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I had filed bankruptcy XX/XX/XXXX I was thinking I had gotten XXXX XXXX loan discharged due to XXXX issues. I had XXXX in medical bills. I was on XXXX XX/XX/XXXX-XX/XX/XXXX. XX/XX/XXXX I received a call about the student loan from XXXX XXXX and was told to settle I could pay half of what I owed or close. I was struggling financially. The collection agent told me I could make payments XXXX I think every 2 weeks then monthly I believe through XX/XX/XXXX. I made arrangements after 2nd payment I knew this wasnt feasible as I have kids to and prescriptions. I called back as tp decrease extend payment. This occured XX/XX/XXXX through XX/XX/XXXX automatically. Never heard from them again until XX/XX/XXXX I guess when my debit card changed they didnt get 3 last payments no one notified me and now say I owe entire amount again payments didnt count. This is stressful burden and Ive talked to collection agency and naviant no one understands and says I still owe. Please help.
Product: Debt collection

CRA violation I have no knowledge of the fraudulent accounts on my Equifax credit report. FTC ID Theft Report # XXXX
Product: Checking or savings account

I recently became aware of a checking account ( account ending in XXXX ) allegedly opened with USAA Federal Savings Bank in XX/XX/XXXX. However, I have no knowledge of ever opening this account or authorizing anyone to open it on my behalf. USAA claims that they received a signature card on XX/XX/XXXX, which supposedly confirms my acceptance of the Depository Agreement and Disclosures ( DAD ). I did not sign any such card, nor did I ever agree to the terms of this account. 

USAA states that the account became overdrawn and was charged off with a negative balance of {$5000.00} on XX/XX/XXXX. They also claim that further transactions were made after the account was charged off, increasing the balance to {$11000.00}. I was not aware of this account, had no involvement with these transactions, and did not receive any notifications at the time. 

On XX/XX/XXXX, USAA closed the account due to the outstanding balance, and they have now stated that I am ineligible to open a new account with them. I dispute the ownership of this account and the legitimacy of any debts associated with it. 

I am requesting that USAA provide concrete proof that I opened this account, including the signed signature card they claim to have on file, as well as any other documentation linking me to this account. If they can not provide this proof, I request that they clear any records or reports connected to this account and remove any associated debts. 

Furthermore, I request confirmation that they have not reported this account to XXXX, XXXX XXXX XXXX, or any other consumer reporting agencies, as this may be negatively affecting my ability to open accounts with other financial institutions.
Product: Student loan

My personal and financial information was compromised without my authorization. The Family Education Rights and Privacy Act ( FERPA ) protects the confidentiality of students records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severirty of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. 
Thrid party vender has access to my personal information without my consent.
Product: Credit reporting

I regularly monitor my credit report and a company XXXX XXXX XXXX appeared on my report alleging I owe them a total of {$700.00}. I called company to inquire about item on my report I ask where did they obtain my information from and what company did you work with in order to obtain my info because this does not belong to me. After speaking to the representative the out right said I owed this money. I sent a validation letter to this company during XXXX -2015 & XXXX -2015 and yet to hear a response back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] PHONE NUMBER XXXX [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Reason : [ UNWANTED INFORMATION NEED REMOVED ASAP ]
Product: Debt collection

I missed only 2 paymnets on my Amex card in XXXX and XXXX and I have been paying it every month since. Well this month, they sent it to a collections ageny without my knowledge even thoigh I pay it. They also will not let me log into my account which has 2 fraudulanent transactions at XXXX a piece. I believe this is illegal. My account should not be in collections and I shopuld be able to log into my account. They are also with holding my credit card and changed the number 3 times. I have been with them since XXXX, I have held a credit score of XXXX in the past and this entire thing is absurd, It needs to be corrected. I am not dealing with a collector, Amex will get oaid directly by me as they always have. This needs to n reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX Balance Owed : {$570.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

US DEPT ED XXXX Balance Owed : {$10000.00} - This account has the wrong balance. Please remove this account because inaccurate information is being reported. 

US DEPT ED XXXX Balance Owed : {$4700.00} You are reporting incorrect balance and an inaccurate payment history. Please remove because of violations. 

US DEPT ED XXXX Balance Owed : {$2700.00} - Date of Last activity showing different dates at each bureau -Please delete for inconsistent dates of last activity and because this has also been re-aged. 

US DEPT ED XXXX Balance Owed : {$900.00} - Failure to report the Date of last activity is a Violation. Delete immediately. 

XXXX XXXX XXXX Balance Owed : {$11000.00} - his account is showing several violations : Date of last activity is incorrect, Balance is incorrect and payment history has been reported after the account was closed. These are all violation. 

XXXX XXXX XXXX Balance Owed : {$410.00} - This account has been paid, Please remove Immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( XXXX XXXX Code XXXX ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Clerical Error : The payment was made on time, and I have attached bank statements confirming the payment date. 
XXXX XXXX : There was a delay in processing the payment on the creditor 's end, which resulted in the payment being marked late. Correspondence with the creditor confirms this. 
Miscommunication : I was informed by the lender that the payment due date had been extended. I have provided evidence of the communication where this extension was acknowledged by the lender. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

In accordance with the Fair Credit Reporting act, The list of accounts Below have violated my Federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Opened XXXX {$350.00} XXXX XXXX XXXX XXXX Opened XXXX {$510.00} XXXX XXXX  Opened XXXX XXXX XXXX error Needs attention {$2900.00} XXXX XXXX XXXX XXXX error Needs attention {$510.00} XXXX XXXX XXXX error Needs attention {$350.00} XXXX XXXX error 30-59 days late {$290.00} XXXX XXXX error Needs attention {$2900.00} XXXX & XXXX XXXX error Needs attention {$510.00} XXXX XXXX XXXX  error Needs attention {$350.00} SEXXXX XXXX error 30-59 days late {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX CO All of these accounts have violated my rights, Im a US Veteran that was stuck overseas during the Covid Pandemic, My ex wife which I have a Police report on file, Used my and destroyed my credit, I have tried on numerous of times to get these items deleted.

15 U.S.C 1681 602 A States I have the right to Privacy 15 U.S.C Section 604 A Section 2. It also states a consumer reporting Agency can not furnish my account, without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) 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 convictions of crimes which antiendates the report by more than 7seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Mortgage with XXXX XXXX XXXX. I sold the house. the Mortgage was pay off on XX/XX/2023. XXXX XXXX is reporting me late for the month of XXXX even though the mortgage was paid off. I spoke to XXXX XXXX, initially the thirty day was removed. The late reappeared in the month of XXXX. I spoke with a XXXX XXXX representative and the late was removed. My credit report is still stating Delinquency first reported XX/XX/2023, which is incorrect because the loan was paid off XX/XX/2023. This remark is preventing me from being approved for my new loan for my new loan for my new house.
Product: Student loan

Called great lakes borrower service about 3 weeks ago to request a copy of the master promissory note to verify their claim that they are legally allowed to capitalize interest and have interest accrued during unemployment deferment ( which according to their obudsman as well as the federal helpline is not how student loan prpducts are intended to be handled or were designed ). Great Lakes said they'd send me a copy of the MPN which they never did. I don't recall ever signing a master promissory note with them as all my student loans were originated from.XXXX  and shortly after graduation I was notified that my loans had now a new servicer without a choice given or any signature required.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit Reporting Act Ally Bank acct # XXXX, has violated my rights Fair Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 States I have the right to privacy ( 15 U. S. code 1681 ( section 604 section 2 ). It also states a consumer reporting agency can not furnish an account without my written instruction sunder 15 U.S. code 1666b a creditor may not treat a late payment on a creditor account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am extremely frustrated to discover that my credit profile has been locked or block by XXXX XXXX XXXX. As a responsible consumer, I recently filed a dispute to remove fraudulent inquiries from my credit report. However, I did not authorize for my credit report to be locked. This has caused inconvenience and hindrance in my financial activities. I urge XXXX XXXX XXXX to remove the block immediately and take necessary actions to resolve this matter. I expect this matter to be addressed promptly. Thank you. This is not a report of identity theft.
Product: Credit card or prepaid card

THIS HAS BEEN AN ON GOING ISSUE WITH XXXX XXXX. MY ACCOUNT WAS CHARGED FOR SEVERAL TRANSACTIONS THAT I NEVER AUTHORIZED AND I HAVE NO IDEA WHO THESE COMPANIES ARE AND NEVER DONE BUSINESS WITH ANY OF THEM.. I WILL LIST ALL DATES AND AMOUNTS ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX I CALLED XXXX XXXX AND THEY ARE ACCUSING ME OF MAKING THESE TRANSACTIONS AND I NEVER DID. I DINT OWN A TIMESHARE AND NEVER DID. PLEASE HELP ME GET MY MONEY BACK PLEASE. IM A SENIOR CITIZEN AND THIS IS SENIOR CITIZEN ABUSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX at address XXXX XXXX XXXX never opened up a XXXX account. I have been a resident at this address for 20 years. This account was opened unauthorized by me. I filed fraud and submitted a police report regarding this account and it was removed from my credit. It reappeared in XXXX out of nowhere. Remove this item from my credit.
Product: Debt collection

Despite Sunrise Debt Collection sending me an email confirmation that my debt ( with XXXX XXXX XXXX ) was settled/paid in full, they proceeded to put a derogatory mark on my credit report. Attempts to contact Sunrise have been to no avail, until today, when I spoke ( on a recorded line with a Sunrise employee who gave their name as XXXX ) that my account was frozen and that it would require a manager to unfreeze it so the customer service representative could assist me. After being placed on hold, XXXX informed me that there was no one available to assist with unfreezing my account and therefore, I could just keep calling back. I asked the customer service representative to please make a note and inform a supervisor/manager to contact me so we can discuss my request to remove the derogatory remark from my credit report since I have an email from Sunrise Debt Collection verifying that the account is closed/paid off, but the customer service representative refused to assist me and instead hung up.
Product: Money transfer, virtual currency, or money service

I was told that they were working on giving me my money back after my money was mysteriously stolen out of my account so mNy time and the money was never returned. I have reached out so many times and never got my money back or anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this problem with the collection agency XXXX, XXXX XXXX XXXX XXXX, and Experian. Everyone wants to blame the other. The account has been paid and should reflect a zero balance since XXXX. I have tried and tried and no one seems to want to fix it. They have a legal obligation to have correct information on my report. I have provided documentation to all parties to prove its paid to no avail. Please please please help me get this fixed.
Product: Credit reporting or other personal consumer reports

Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$350.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$480.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$480.00} Fraudulent Information on Credit Reports Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$21000.00} Other Identity Theft Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$250.00}
Product: Credit reporting or other personal consumer reports

Listed items to be removed from my credit report : XXXX Hard inquirys {$3300.00} XXXX, XXXX, XXXX Acct XXXX XXXX XXXX off XXXX {$2100.00} Acct XXXX XXXX Collections XXXX XXXX Co {$2100.00} Acct XXXX XXXX Charge off XXXX XXXX {$5900.00} Undisclosed/charge off XXXX XXXX {$0.00} Closed/paid off All accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Before my lease was expiring on XX/XX/2020, I called XXXX XXXX XXXX inquiring how to return the car due to COVID-19. This was 10 days before the virus peaked in the state of New York. I offered to  drive the car to the dealership but was informed that the appropriate department was closed due to the pandemic, there were no options to return the vehicle at the time and I was to keep the car and will be contacted for safe home pickup when the situation allowed to. I was also informed that I was not responsible for the situation and therefore will not be penalized by any means. I tried to make more phone calls throughout the month of XX/XX/2020 but the companies were closed completely due to Covid-19 and the offices were not answering my calls. On XX/XX/2020, the car was picked up after the Chase Auto group contacted me for a home pickup- like I was told they would. 
Shortly after, I received a bill from XXXX XXXX XXXX XXXX dated XX/XX/2020 stating for {$3500.00} A late payment has been reported the credit bureau by CHASE Auto Finance, causing severe damage to my credit. 
Their attempt to charge me this bill is a slander to my credit and an actionable law. 
I have made numerous phone calls to the customer service department and auto loan credit department at CHASE auto Finance and XXXX XXXX XXXX XXXX. I have put in numerous requests to speak to managers ; the request was to be answered within 48 hours. Each time, a manager failed to call me back. Account supervisors also asked to call me back after reviewing my case. Until today, I have not been called back by neither XX/XX/2020 XXXX ( ID # Unknown ) nor XX/XX/2020 XXXX ( ID # XXXX ) nor XX/XX/2020 XXXX  ( ID # XXXX ) nor XX/XX/2020 XXXX ( ID # XXXX ) and more. Almost all of these requests have passed the 48-72 hours request time which the managers/ account specialists needed to review the case and call me back. I provided them with back up phone numbers in case I missed the call but the calls were never even made. 
This has affected my credit majorly, which will cause me more issues in the future. The customer service has been horrible and unwilling to help with this outrageous bill. 
CHASE Auto Finance and XXXX XXXX XXXX XXXX will be held responsible for the damages, as well as punitive damages and misconduct.
Product: Checking or savings account

I have had a Robinhood account for years. It is tied to a long defunct email address and I need to access my account. Their " customer service '' people have called me by the wrong name, referred to my account as someone else, sent me instructions for someone else 's account and generally wont respond. I provided them with the verification they requested and then they changed their minds and are now claiming they need something else. My concern is that this new verification they are demanding will be uploaded to some eles account and compromise my identity. There is no way to speak to anyone at the company other than a random email address they have been ignoring me at for two weeks now. 

I want my money and I want to move away from this terrible institution that should be outlawed.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent accounts to my consumer report
Product: Debt collection

I receive telephone calls from XXXX Harassing me about an account XXXX I have never done business with them. They Claim Washington Mutual Bank was the seller when was this and for how much? They state that I owe them XXXX.
This is false Washington Mutual was more than 8 years ago for less than XXXX while I was sick. SOL had been up for many many years and these people continue to damage my credit.
They should be fined for harassment calling, false reporting, harassment.
Product: Checking or savings account

I have wells fargo checking and got frozen without notifying me. So my whole money activities are being stopped. Visited a branch but was told the bank assistant can only email but reply is not guarantee. Abdolutelyo way customer contact but wait. My account has been frozen more than half month now.
Product: Debt collection

In reviewing my credit report, I noted a medical debt and have attempted numerous times calling the company listed on my report to resolve it. I have called probably 8 times, each time am placed on hold for 20+ minutes by an automated system. I select the option for an automatic call back and they never call me back. I am trying in good faith to resolve the debt and receiving no reply from this company.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX  refuses to update my balance on my credit report. 
We are applying for a Refinance and can not get the correct information processed./ Please have them to update this now. 
They are showing a balance of {$8700.00}. With refinance every XXXX  dollar less provides a better score. 


XXXX XXXX XXXX XXXX - XXXX Account Summary Current balance : {$7900.00} Total credit available : {$2000.00} Cash credit line available : {$1000.00} Card Details Total credit line : {$10000.00} Cash credit line : {$1000.00} Amount over total credit line : {$0.00} Request a credit line increase Next closing date:XXXXXXXX  Last payment date:XXXX  Last payment : {$100.00}
Product: Credit reporting or other personal consumer reports

These negative inaccurate accounts on all three of my credit bureaus should not be there. From XX/XX/year> until present. 

XXXX XXXX Equifax Has not done a proper investigation on none of my 3 major credit reports.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a letter saying a savings account had been opened in my name and address. My credit is frozen so I honestly didn't think that was possible. 

When I inquired about the account, when speaking with BMO Harris, they told me the account was real. I didn't have information about the checking account created as well. Never received a letter.

They would not tell me any information about how the account was created. They would not tell me anything about how much money was in the account. When I asked for the agent 's last name, she would not provide it ( XXXX ). 

I believe BMO opened a checking and savings account in my name without my permission.