23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In late XXXX, I got sufficiently behind on a student loan serviced at the time by XXXX XXXX which from being unemployed, however, as soon as I returned to employment I reached out to XXXX XXXX in attempt to address the loan ( current services by Navient Loan number : XXXX Original balance : {$15000.00} Disbursement date : XXXX/XXXX/XXXX Loan balance : {$35000.00} ) and I was transferred to the " collection department '' of XXXX XXXX. I later found out this was not XXXX mea but a firm they outsourced to handle delinquency assets known as XXXX XXXX XXXX. As a result, I made an agreement with XXXX XXXX in good faith that XXXX XXXX, now dba as Navient, would honor the agreement. As a result, my parents and I made a payment in the amount of XXXX on XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & on XXXX/XXXX/XXXX ( on which I had my bank XXXX XXXX XXXX retract the payment because I reached out to XXXX XXXX at the time because I could n't reach XXXX XXXX, and my calls continuously stated the number was disconnected. I look them up on the NY business registration, and they were no longer doing business. I called XXXX XXXX multiple times ( provided the attached documentation & requested they honor the agreement XXXX on XXXX/XXXX/XXXX they then withdraw XXXX from my account ( which I would have my back retract ) because they stated they would n't honor the stated agreement. As a result, XXXX XXXX now dba Navient is stating I owe them over XXXX, which does n't even accounting for the XXXX + I paid their hired collector, and even worse has directed multiple payments, totaling over XXXX dollars, I made to another loan them ( Loan information Loan number : XXXX Original balance : {$7000.00} Disbursement date : XXXX/XXXX/XXXX Current balance XXXX XXXX towards this loan after they told me they would n't honor they agreement made with their collection company XXXX. Furthermore, my previous attempts to contact XXXX XXXX regarding the account, misdirecting payments, previous agreements lead to me being hung up on by representative and managers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted each number that was listed on the inquiry and they told me that they don have any application requarding my name or social. I also contacted each Credit Bureau Fraud department so they can investigate. They Told me I had to file a complaint with the CFPB in order to get the credit inquires deleted.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, the week off to be exact I applied to a Credit Card via XXXX XXXX I was denied, they had promised me compensation from their ad and nothing was done. 
They have violated my rights, I did not give them written/un-written, verbal/nonverbal permission to have my information sent out to other companies per the FAIR CREDIT REPORTING ACT. XXXX, XXXX, EQUIFAX are credit reporting agencies and I demand that they move all inquiries per the FCRA and the Privacy Act of 1974 states : " ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Again they need prior written instruction.

I am OPTING OUT of CREDIT KARMA -12 CFR 1016.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices, NO NOTICE whatsoever was given by CREDIT KARMA
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX # XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$2200.00} ; XXXX  XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX CXXXX XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX Balance Owed : {$750.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX  Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$3200.00} ; XXXX  ( original creditor : XXXX XXXX ) XXXX Balance Owed : {$560.00} ; XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$830.00} ; XXXX  XXXX ( Original XXXX XXXX  XXXX BANK XXXX XXXX A ) XXXX Balance Owed : {$160.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$2100.00} ; XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$4300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$830.00} ; XXXX XXXX ( Original XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am from XXXXXXXX XXXX. I am currently in the XXXX XXXX. I received an email that there is a hard inquiry from XXXX XXXX, made on XX/XX/year>, on my XXXX credit report. I have not applied for any credit cards while here in XXXX XXXX XXXX I want this hard inquiry pulled. I want a fraud alert placed on my report. I do not want any credit card issued in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX 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 XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : 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 XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Credit reporting or other personal consumer reports

I have attempted to open a business checking but can not due to a false freeze. 


XXXX XXXX and Capital One rectifying the freeze block that doesn't exist on my name.
Product: Debt collection

I was contacted on several occasions by a company using the name of Radius Global Solutions trying to collect a debt owed by my ex-wife. I have been divorced for 18 years and this company claims that my ex used my phone number as a contact number sometime in the past. I have told them on every occasion that we have been divorced since XX/XX/2006and she has never been associated with my cell phone number. They continually promise to remove my number from the account and not contact me again but it has happened on multiple occasions over several months.
Product: Credit reporting or other personal consumer reports

I sent a letter ( attached ) to Experian on XX/XX/year> requesting proof of debt ownership or removal of the associated item from XXXX on my credit report. This letter was received by the company on XX/XX/year>. 

Both the debt collector and credit reporting agency Experian failed to prove that I am responsible for this debt or even show proof that they lawfully own the debt. Experian failed to provide me a response in 30 days, and still have yet to provide me a response. 

Additionally, both XXXX and XXXX have removed this item due to its inaccuracy, and only Experian has yet to take corrective action. 

This incorrect reporting on my credit report by Experian has resulted in unjust hardship in my financial situation and daily life.
Product: Debt collection

Placed for collection on XX/XX/2015 for {$1100.00}. No actions by me but the company is reporting to the credit bureau and trying to collect a debt from me. They are not licensed in the state of Florida to do so. I do n't owe this company I do n't have anything to do with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I, XXXX XXXX called Fair Collections and Outsourcing ( FCO ) in an attempt to have a paid collection removed from the XXXX credit report. Operated stated that Fair Collections does not remove such information, I asked to speak with a supervisor. In speaking with the supervisor, the same statement was repeated, that Fair collections and Outsourcing does not or can not remove or update information. I informed FCO that I would be filing a complaint.
Product: Credit reporting or other personal consumer reports

Received a text message stating that my credit score went down XXXX points. The message claimed to be from Equifax. I checked my score with one of my credit card copanies and that was totally a scam!!!
Product: Mortgage

My MUD tax payment from my escrow account paid twice on XX/XX/2019 and XX/XX/2019. 

I have called the company several times, remind them to fix the error. They never actually fix it, and reimbursed the funds back to me.
Product: Credit card or prepaid card

I own a XXXX 's card since XX/XX/XXXX. Immediately I had difficulties paying my card online. On XX/XX/XXXX my wife had a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. She called to tell them about the medical condition. I lost my job after being in the hospital with her and my child. I asked them for a lower payment. Also, I asked was this account insured. I told them due to my loss of income I couldn't afford the high payments. I asked if I could make $ 50 monthly payments. My wife was still making Payments and XXXX was still marking the account as late on my credit report. My account was closed and I strongly feel XXXX 's didn't want to help.
Product: Credit card or prepaid card

They allowed XXXX fraudulent transactions and are actively preventing me from completing my fraudulent claim, so they can keep my money. 

XXXX XXXXXX/XX/XXXX : called to report fraudulent transactions. I was told that I had to wait until the changes actually posted, and call back. 

XXXX XXXXXX/XX/XXXX : The transactions posted, but when I called, I couldn't get a live person on the phone. This content for XXXX weeks, where I called multiple times, and still couldn't get a live person, despite waiting more than XXXX minutes on hold for each call. 

XXXX XXXXXX/XX/XXXX : Finally got through to a live person, who had to transfer me to their Fraud Department. Waited on hold for another XXXX mins for a live person. I was told that they would initiate the fraud claim for the XXXX transactions ( which I received email confirmation that they did this ) and would be emailing me a form that I had to fill out and email back in XXXX  days. I never received the form. 

XXXX XXXXXX/XX/XXXX : called again in the afternoon regarding the form that they failed to email me. I was told that the department that generates the form was closed, and a XXXX message would be sent to the department. I became belligerent, because I only had XXXX days and their failure to send me the form would result in my claim being closed for inaction. 

Wednesday XX/XX/XXXX : Still have not received any form, and have been on hold for over XXXX minutes.
Product: Prepaid card

Cash app close my account for no reason and my payroll get deposit into cash app
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I have spoken with all three agencies, XXXX, XXXX, and XXXX and asked for an investigation and reported that these accounts contain -fraudulent activity : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, MA XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Personal Information Dear Sir/Madam, I am writing to dispute inaccurate personal information that is being reported on my credit report by your agency. Upon reviewing my credit report, I have identified discrepancies in the personal information section that require immediate attention and correction. 
The inaccurate information is as follows : Address : XXXX Academy Terrace, XXXX MA XXXX XXXX XXXX XXXX, XXXX, MA XXXX Employer : XXXX XXXX and XXXX XXXX I hereby request that you investigate and correct the inaccuracies in my personal information as soon as possible. It is imperative that the information on my credit report is accurate and up-to-date to ensure fair and accurate assessment of my creditworthiness. 
Please provide written confirmation once the necessary corrections have been made to my personal information. Additionally, I request that you provide me with a copy of the updated credit report reflecting the corrected information. 
I appreciate your prompt attention to this matter and look forward to your timely response. Thank you for your cooperation in resolving this dispute. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I had my handyman replace 6 floor tiles in my kitchen. He ended up taking 5 days, used up 40 tiles and charged me {$720.00} for the work as he charges hourly. I have used him for years and felt bad not paying him for his time. The tiles started popping up and were not even sticking to the ground. I had to pay someone else ( who knew what they were doing ) to fix the job and buy more tile. I was now out {$1300.00} for a job that should have only cost {$400.00}. The original tile layer said he already spent the money I gave him and could not pay me back. I then disputed it with my credit card company. ( Barclays/ XXXX XXXX XXXX card ) They then went after his bank and took the {$720.00} out of his account. They put a credit on my account but a month later said they would not help me and charged me the {$720.00}. They said the " merchant '' would not help me as I did not pay the tile layer the correct way. The " merchant '' they are referring to is XXXX. I connected my XXXX XXXX card to my XXXX account so I can have the credit cards protection when I have to pay workers. XXXX charges a large fee for protection if I choose to pay a company and it charges a smaller fee if I pay a friend. Since I have the credit cards protection I paid him as a friend for a service. The credit card company says they did not take the money out of the tile layers account and claim XXXX did. XXXX says they have nothing to do with this. This transaction is between the credit card company and me. XXXX has told the credit card company that they are just a 3rd party and have nothing to do with this dispute and are not the " merchant '' the " merchant '' is the tile layer. I am now out {$720.00} and so is the tile layer. Credit card company is up {$1400.00}. I can not get anywhere with XXXX especially with Covid they will not answer disputes. I have written the company and called about 9 times since XX/XX/2020. Not getting anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has reported that my credit card is overdue and that I have missed two payments. They have sent this information and as a result my credit score has dropped significantly. I explained to CapitalOne that I am a member of the United States XXXX XXXX and that I was unable to make payments due to being away from home for extended amounts of time. Also I was not aware of the autopay feature when I applied for the card. I believe that CapitalOne took advantage of this and as a result my account went delinquent. I have never missed a previous payment and I am a loyal customer.
Product: Credit reporting

This company is reporting false negative information about me to banks and credit card companies and it 's interfering with my being able to open an account. When I contact the company, they are rude, insulting, unprofessional and provide no help whatsoever. They are also very insensitive towards me and the problems this is causing. I have contacted this company many times and provided information time and time again. They are very rude, uncooperative, insulting and insensitive to the problems they are causing by distributing slanderous and defamatory and false negative information to banks. They do n't care about anyone but themselves. There are virtually XXXX of websites dedicated to how horrible these people and company is and how many people they have done this too. 

Here are a fewXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

Account Name : XXXX Account Name : XXXX and list of Inquiries 15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. XXXX ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureau about an collection account on my report that shouldn't be there. I asked them to validate it, but they failed to do so and they have not handled this process according to the FCRA in terms of their lack of investigation and untimely response. I am frustrated dealing with this because it should have been resolved by now.
Product: Checking or savings account

On XX/XX/2023, I opened a personal checking account online with First National Bank. It's been 3 weeks and I still didn't receive the debit card. Because of that, I'm not able to create an online account, access my funds, sign up for e-statements to waive the monthly fee... etc. I contacted customer service by phone on XX/XX/2023 and by email on XX/XX/2023 without a solution. The physical branches of this bank are all closed on Saturday and Sunday. It's not an option for me to stop by and get a temporary debit card.