23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit report agency had a major data breach in XXXX. My information was hacked. The company did not even notified me about the data breach settlement that just past on XX/XX/XXXX. Therefore, I did not apply. I did file for an extended claim. But still that does not solve the problem. I did not have any subscriptions or features that I purchased from Equifax, but the fact my name was on the list of data breach is a crime. My personal information like SS, address and etc should be protected at all times. Thank you for reading and helping.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Today, I noticed a couple of charges on my credit card that I did not make. I immediately went online to check my credit card charges and noticed one from the previous day that I did not make as well. I called the number on the back of my credit card, and the pre-recorded message noted that their offices are closed and to use the website or app to report fraudulent activity. I tried to do both, but neither the website nor the app allow for the customer to report fraud. All I was able to do was lock my card to stop any further unauthorized charges. The company 's website and app all instruct us to call a number provided. However, upon calling all the numbers I came across, all had the same message that their offices are closed, despite online touting that they have 24/7 fraud services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

During my loan I got behind once. But had to make it up. so ever since that point I would pay XXXX to XXXX dollars more than my payment. And chase would always apply it as a late charge and not towards principle so I believe they owe me money. My loan is paid off now but It still bothers me they cheated me out of that money.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION CONTINUE TO LET INQUIRIES BE SOUGHT ON MY CREDIT WITHOUT MY PERMISSION. THEY DELETED A SERIES OF INQUIRIES AND NOW THERE ARE SEVERAL MORE SHOWING EVEN THOUGH I HAVE SECURITY FREEZES IN PLACE. THESE ARE A LIST OF UNAUTHORIZED INQUIRIES. I HOPE THEY FIND THESE INQUIRIES UNAUTHORIZED AND REMOVED IN A PROMPT MANNER.
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

In my PayPal account on XXXX it trapped me on a page that stated with no harm to my credit that it would tell me if I was eligible which I wasnt interested in that. I hit submit to go to the next page but it actual ran my credit and approved me in one click. I didnt agree to any of that at all. I am not sure how this couldve even happeded. That was so misleading. I emailed them and no one has gotten back to me.
Product: Credit reporting

MYSELF AND MY SPOUSE FILED A CHAPTER XXXX BANKRUPTCY, XX/XX/XXXX THAT HAS BEEN SINCE DISCHARGE, XX/XX/XXXX. THE DEBT FOR THE CREDITOR XXXX FORMERLY XXXX XXXX, TX THE AMOUNT OF XXXX WAS INCL IN SAID DISCHARGE BANKRUPTCY. AFTER REPORTING TO EACH CREDIT BUREAU, XXXX FOR MYSELF ( XXXX ) AND TRANSUNION FOR MY WIFE ( XXXX ). WE HAVE REPEATEDLY CONTACTED XXXX AKA XXXX AT THE XXXX ADDRESS IN XXXX. TO DATE THEY HAVE YET TO UPDATE THE RESPECTIVE CREDIT BUREAUS TO REFLECT ACCURATELY. THIS IS IMPEDING OUR ABILITY TO OBTAIN NEW CREDIT AND A MORTGAGE. WE WANT THIS CORRECTED IMMEDIATELY AND TO BE RENUMERATED BY WHATEVER AMOUNT DUE FOR THIS HARDSHIP AND CREDIT INJURY. 

ADDITONALLY, TRANSUNION CONTINUES TO REPORT A BANKRUPTCY IN ERROR. DISPUTE MY REPEATED SUBMITTED PROOF EXPLAINING IT WAS IN FACT A DUPLICATE. CASE # XXXX WAS FILE IN DUPLICATE AND STRIKEN FROM THE COURTS RECORDS AND SUBSEQUENTLY SHOULD NOT BE REPORTING. MY CREDIT FILE SHOULD REFLECT ONE BANKRUPTCY CASE # XXXX, DISCHARGED XX/XX/XXXX.
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. This account is under litigation the balance is incorrect I need it closed and removed from my credit report immediately. 


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 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C A. : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2022 to Experian, XXXX, and XXXX. Here are my tracking numbers : Experian tracking number : XXXX, XXXX tracking number : XXXX, and XXXX tracking number : XXXX. However the credit bureaus said that they completed the investigation and everything was 100 % accurate. How is that when the account number is incorrect, the account type is incorrect, the account status is incorrect, the monthly payment is incorrect, date opened is incorrect, the balance is incorrect, payment status is incorrect, last reported is incorrect, date last active is incorrect and the date of last payment is incorrect? According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 

How did they complete this investigation? 

One more thing, I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) - There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 USC 1681b ( a ) ( 2 ) - In accordance with the written instructions of the consumer to whom it relates 15 USC 1681i ( 5 ) ( A ) ( i )- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not give anyone written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told I was pre approved for a loan with XXXX XXXX XXXX through Credit Karma on XX/XX/XXXX. I was denied ( have email proof ) and this greatly impacted my credit score as the inquiry remained on my report for a year.

The following is text from the FTC report regarding the current lawsuit of which I am a victim. 

The FTCs proposed complaint alleges that, from XX/XX/XXXX to XX/XX/XXXX, Credit Karma falsely told many consumers that they had been pre-approved for credit offers, leading consumers to apply, incur a hard inquiry on their credit reports, and, if they are denied, potentially damage their credit scores unnecessarily.
Product: Checking or savings account

Hi, My name is XXXX XXXX. I opened a CD account with Marcus by Goldman Sachs due to mature on XX/XX/2024. The amount was around {$82000.00}. Prior to mature date, I set the account to close and transfer money out to my XXXX account on their app on the XXXX XXXX. Two attempts were made to transfer my money to XXXX  but they were both reversed by Marcus.

I called Marcus representative on XX/XX/XXXX on this issue and the representative said that it was XXXX bank fault for reversing the transfer and opened a case for this issue. I called XXXX customer service and they said that XXXX was receiver bank and could not deny money transfer into their account.

I contacted Marcus by Goldman Sachs on the XX/XX/XXXX and XXXX for follow up on this issue. Both times, the representatives said they were unsure what the reason for unable to transfer money back to me and had open a case for this issue. I talked to Marcus 's customer service Manager on expediting the response. I asked for confirmation email regarding this conversation but the manager said they could not have the ability to send out confirmation email. The case number for XX/XX/XXXX call was XXXX. Marcus 's customer service manager said he did not see case numbers for my 2 calls on XX/XX/XXXX and XXXX but assured me that there were some notes made about my request.

The customer service dept was not able to give me a reason why my money was held and how long it would take to give me my money back after several attempts to contact them. It has been more than 3 weeks trying to get my money back. Please look into this issue because there are several customers are dealing with this same issue.
Product: Credit card

Despite my persistent efforts, these concerns persist. Your firm 's response to my credit report dispute dismisses my request for verification as " frivolous '' or " irrelevant. '' If my initial request to verify these items, as outlined in my previous certified mail, is ignored, I'll escalate the issue by filing a complaint with the Federal Trade Commission. It's crucial for a reevaluation of the information to occur. I urge your firm to provide validation of the alleged items, particularly through documentation such as contracts, notes, or signatures. Without such evidence, the immediate removal of these disputed items from my credit report will be necessary.
Product: Credit card or prepaid card

My card was stolen around XXXX XXXX, XXXX and charges are fruad as i confrimed when they called me they blocked my account asked i mail in my drivers license and bank statement which i dont still blocked and there billing me for the fraud for all the fraud charges after XXXX/XXXX/XXXX none after that date was authorized included in this dispute is my id and my bank statement for them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment with XXXX XXXX. I sent a letter on XX/XX/2020 and I haven't received a response. My payments were on autopay and I see received a late payment. I need this removed. It's only fair.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX , I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit Please delete the items as soon as possible.
Product: Credit reporting

A few months ago ( for the first time ) a tax lien appeared on my credit report from 2012. I immediately disputed it - only to have Transunion update it as " paid. '' I do not dispute that there is a case and docket showing where a lien was filed and then paid. I dispute that the filing ever should have happened. The tax assessors office admittedly did not mail the notice to the correct address - prior to filing the lien. It is my position that because this was the tax assessor 's office error and not mine - it should not be on my credit report. Moreover, Transunion has an obligation to ensure that the information they are reporting is valid. I have requested the investigation notes, persons interviewed and have not received that information yet.I only get general language about how investigations are conducted in general. Transunion has failed to verify this information and are only reviewing that it was filed. I have also reported this to the XXXX ( Case XXXX ) and with CFPB ( XXXX )
Product: Student loan

I am writing to formally lodge a complaint regarding the mishandling of my student loan repayments by Great Lakes and NELNET. Below are the details of my situation : Key College : Attendance Period : XX/XX/XXXX - XX/XX/XXXX Loan Servicer : Great Lakes Loan Details : Subsidized Loan : {$3500.00} Unsubsidized Loan : {$6000.00} Issue : Upon my withdrawal from XXXX XXXX, {$3200.00} should have been returned to Great Lakes. Despite my attempts to dispute this, I received no assistance from Great Lakes. 
XXXX University : Attendance Period : XX/XX/XXXX - XX/XX/XXXX Loan Servicer : Great Lakes ( later taken over by NELNET ) Loan Details : Subsidized Loan : {$2200.00} Unsubsidized Loan : {$2900.00} Issue : Upon my withdrawal from XXXX University, the amounts of {$2200.00} ( Subsidized ) and {$2900.00} ( Unsubsidized ) should have been returned to Great Lakes. After NELNET took over Great Lakes, I attempted to dispute this issue, but received no assistance from NELNET either. 
Despite multiple attempts to resolve these issues with both Great Lakes and NELNET, I have not received the necessary support or resolution. This has caused significant financial stress and confusion. 

I kindly request the CFPB to investigate this matter and assist in ensuring that the appropriate amounts are returned to my loan accounts. I am attaching all relevant documents, including my loan statements, correspondence with Great Lakes and NELNET, and withdrawal records from both institutions. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by a Bank of America representative over the phone that as long as I made my payment by XX/XX/2020 ( COVID RELATED ) it would NOT negatively impact my credit. I was relying on BOA 's reps and warranties to be true and accurate. I later found out that the info that I was given was not accurate which then caused my credit to be negatively impacted because of this. The damage was already done by the time I was eventually told that this was not accurate. As a consumer I was/am relying on BOA 'S reps and warranties to be accurate and fully disclose any and all information at the time of speaking them. Especially during a PANDEMIC!!!!!!
Product: Student loan

My name is XXXX XXXX and I am writing to you today to file a complaint against Navient. I called Navient on XX/XX/2023 at XXXX XXXX. The purpose of my call was to notify Navient that I am invoking a defense to repayment of the loans because the school I attended, XXXX XXXX XXXX XXXX XXXX ( XXXX ), defrauded me and for this reason I will no longer be making payments on my private student loans. 

The response I received from the Navient Customer Service representative when I called was that the loans are still in repayment, that they arent government loans and so do not qualify for forgiveness due to an institution being discredited. The Navient representative did not provide any other information in response to my asserting of this complete defense to repayment. 

I sent a written summary of this call by email to the general Navient account as well as to the Navient office of the Customer Advocate. I received a response from the XXXX XXXX XXXX XXXX XXXX dated XX/XX/2023. ( I have attached a copy ). In this letter, the Customer Advocate XXXX XXXX explained, among other statements, that private loans are not eligible for the Department of Educations Defense to Repayment Discharge Program. I believe there is a problem with this response and there should be a process for providingme with more information and relief. Further, since making this call they have emailed me twenty two times with payment reminders despite my defense to repayment. 

Having attended XXXX has left me with significant debt and a worthless degree, leading among other harms to financial and emotional distress. I lived for years with my family to ensure I could make payments and could not afford my own home. I have had to pay exorbitant interest rates all while the school XXXX was cited for numerous legal violations, leading to closure. 

One of these loans can only prove I took out XXXX, they claim the school called to request to add funds but have no paperwork to corroborate that claim. I now owe around XXXX on that loan. I have already paid a total of XXXX on that loan. The other loan is also predatory. I took out XXXX, have paid XXXX and still owe XXXX.
Product: Money transfer, virtual currency, or money service

I paid ACI Payments ( https : //acipayonline.com/index.jsp ) {$410.00} fee on XXXXXXXX  to deliver {$18000.00} CA tax payment to FTB ( California Franchise Tax Board ) as XXXX  estimated payment. I have confirmed multiple time with the company and they confirmed the {$18000.00} was delivered to FTB. However, it didn't show up in my FTB account. I called in multiple times to FTB and was told they saw the transaction but did not actually receive the money from ACI Payments. The payment was cancelled due to " insufficient fund ''.

This doesn't match with what ACI Payments told me. I was charged a total of {$18000.00} to my credit card ending in XXXX. The credit card was successful and I already paid the credit card bill. Each of the party asked me to the other party. This was a never ending loop that took me so much time, yet the money is still lost. I request ACI Payments either 1 ) contact FTB directly and get {$18000.00} posted to my 2021 tax filing, OR 2 ) refund {$18000.00} plus {$410.00} fee to my credit card ending in XXXX.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by Equifax. I assert that Equifax is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me.

Deletion of the trade-in entry from all credit reporting agencies where it is currently listed.

I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars.

Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request.

I expect a prompt response within XXXX  DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Account Name : XXXX XXXX XXXX Account Number : XXXX Amount XXXX Date opened XX/XX/XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions