23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for the PSLF and received a letter from Fedloan Dept. of Education, on XX/XX/2021, that they received the form and the second page stated my loans " Are being transferred for PSLF eligibility confirmation, " further stating that they " Reviewed my PSLF certification and application form and based on my employment and other information ( we ) determined that ( you ) have eligible loans and ( your ) employment qualifies for PSLF and that ( they ) do not know yet whether I had made the 120 qualifying payments to be eligible for forgiveness ( note I have a copy from my servicer ) of all my payments and have over the required amount ) to be eligible for forgiveness, and that before ( we ) can determine if ( you ) are eligible for forgiveness ( we ) must transfer all ( your ) XXXX XXXX. of XXXX owned loans from ( your ) current servicer to us. '' I have been waiting for those transfers and any information. I never received information form servicers tehy had my loans, and calling Dept, of Ed, XXXX, and XXXX has been a nightmare. I am unable to log onto XXXX becasue XXXX now has my loans, which should have gone to XXXX, and XXXX said I needed to talk with XXXX. XXXX told me they don't have them. I received an email my student loans are coming due ( despite I applied for forbearance while my PSLF was being forgiven. 
I filed a complaint with the Dept. of Education who responded in an email that they " ... were not able to locate ( my ) application on XXXX 's status center '' and that " We recommend that you submit a new application to be sure your information is fully processed ''! further, it would take approximately 30 calendar days then take another 60-90 days from the date ( my ( PSLF form is approved. It was already approved back in XXXX of XXXX! I have the account number assigned to my Dept of Ed Fedloan 's letter dated XX/XX/2021 but I have not been able to reach XXXX ( and now the Dept. of Ed Fedloan 's Loan Discharge and Forgiveness '' department by phone to provide the account number assigned to my PSLF form that they received it and determined through my employer I am eligible, etc. I have a copy of all my on-time, never late payments from my loan holder/servicer with their letterhead on it of all my payments since XXXX  that I can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I re-consolidated a few credit cards in order to reduce my monthly payment into one. After have all the accounts transferred into one account for XXXX XXXX, apparently some credit card companies still reported my status incorrectly. Now I have delinquent accounts showing in my credit, and it does not allow me to purchase anything on credit, even though I am still making payments on all those expenses. I just want to remove the delinquent accounts under my credit. The Current Payment Status under Lending Club Corporation shows in collections, but the amount was transfer into XXXX XXXX and I am still paying on the amount. 

It also shows in their " remark '' notes that another lender purchased the debt, and Lending Club Corporation was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my credit report and seen I had items that shouldn't be there after sending in letters over 63 days ago
Product: Credit reporting or other personal consumer reports

I was checking my consumer report and saw serval inquires i did not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was used to open accounts in my name. Those accounts do not belong to me and i would like to have the credit bureaus remove the fraudulent information. I have sent them letters and reports explaining this information. I have reach to the companies involved and now I am reaching out to you. 

XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX. {$250.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX. {$680.00} XXXX XXXX {$710.00} XXXX XXXX XXXX {$880.00} XXXX XXXX  {$360.00} XXXX XXXX {$9900.00} XXXX XXXX. {$5500.00} XXXX XXXX XXXX. {$100.00} XXXX XXXX XXXX XXXX {$0.00} DEPT OF EDUCATION XXXX  XXXX {$12000.00} DEPT OF EDUCATIONXXXX {$35.00}, XXXX DEPT OF EDUCATION XXXX XXXX {$27000.00} DEPT OF EDUCATION {$0.00} XXXX XXXX XXXX  {$0.00} XXXX BANK XXXX XXXX {$0.00}
Product: Credit card

A hard pull by jp Morgan Chase financial institution Account XXXX was opened in direct violation of united states code title 16 unlimited credit access to credit section 1667 ( b ) which is in direct violation of my United States Constitutiona right of liberty .I discovered that a data breach was reported on my character XXXX XXXX ss # _ _ XXXX through XXXX XXXX  a partner company of XXXX  service phone # XXXX I contacted my phone care service to only be charged more debt a malicious injury to my privacy..
Product: Credit card or prepaid card

I received a phone call from u.s.banks stating I owed them money but I do not recall evefr opening an account with them before. I know I had lost my wallet at the time the account was opened but I had never opened one with them. I suspect someone has intentionally used my information to open an account in my name. In the Wallet I had lost both my drivers license and social security card was in that wallet ( at least I suspect my social security card was there because how else will they open an account if they didn't have the ssn number? )
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred.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

I am disputing fraud on my account none of these accounts belong to me i am XXXX XXXX XXXX i was XXXX XXXX XXXX to open these accounts at the time they were open. I have sent my social and ID card numberous amount of times my XXXX is XX/XX/XXXX to verfiy that i am XXXX.
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 reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) 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 experiences, 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 rights as a consumer.
Product: Credit card or prepaid card

Capitol One Savor account cancelled by the company. 

I applied for and was approved for a " Savor '' rewards credit card from Capitol One which gives a reward of 4 % on entertainment and dining. I made my first charge ( {$22000.00} ) on XX/XX/XXXX for my personal baseball season tickets. I paid the charge off in full 4 days later on XX/XX/XXXX. That left me with a balance of {$0.00}. I earned a cash back reward on that charge which was credited to my statement on XX/XX/XXXX in the amount of {$1400.00}. 

On XX/XX/XXXX I made a second charge of {$25000.00}, again for the remainder of my personal season baseball season tickets. I paid the credit card balance {$23000.00} plus the reward credit of {$1400.00} leaving me with a balance of XXXX onXX/XX/XXXX. 
I contacted the company and coordinated these 2 purchases and the payments so there would be no issues with the charges or payments. 

On XX/XX/XXXXI was issued a rewards credit of {$1000.00} on my account. So I now had a credit of {$1000.00} on my statement. Because I had a credit balance on my statement and no other charges to offset the credit, I was send a check in the amount of {$1000.00}. 

In XX/XX/XXXX I went to use the card and it was denied. I called the company to find out why and was told my card was CANCELLED by the company. Reason : My purchases were not to their expectations and I was informed to stop using the card and cut it up. I received a letter shortly thereafter. 

I reviewed the terms and conditions of the card and I am in compliance with them and request my card be replaced with a current one. All my purchases were 100 % personal and it is advertised that the card can be used for entertainment XXXX baseball games XXXX and dinning ( attempted ) which is what I did. 

I also understand there is no limit on the amount of rewards that can be earned. I believe I am being singled out, unjustly and unlawfully being deprived of this credit card and its benefits. I have complied with the published terms and conditions that I agreed to when I purchased the card ( It has the first year {$95.00} fee waived, which I expect to pay when I am reinstated at the completion of the full 12 months of usage ). 

I feel I am being deprived of my lawful right to credit and the rewards that accompany the Capitol One " Savor '' card that my fellow neighbors and others throughout this country are enjoying. Being deprived of it has caused me financial harm in many ways, such that I am deprived of the 4 % rewards on my future purchases. It has also financially, negatively impacted my FICA score because the credit card company cancelled my card. I originally applied for the card in late XX/XX/XXXX, it negatively impacts my ability to get credit until late XX/XX/XXXX ( 24 months ). It negatively impacts me on my insurances such as ; home, auto, life because I had my card cancelled. So until this is fixed, I will be experiencing additional financial harm on the issues I identified above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft. Someone has used my information to receive 16 credit cards with my information and the credit cards are delinquent in payments and charged off, still owing a substantial amount of money. I was notified by XXXX XXXX when I went there to open a checking account that something was wrong with my credit. I never had a credit card and when I sent for my annual credit report it showed me how many credit cards were taken out with my personal information without my knowledge or authorization.
Product: Credit card or prepaid card

On XX/XX/XXXX I was charged {$7900.00} dollars on my discover card. I submitted information to discover stating that I had not received services for this transaction. Services for the transaction were to be performed on XX/XX/XXXX. The merchant continued to push the event back due to covid restrictions. I explained to Discover that the merchant had blocked me on all social media platforms and has also changed their contact information when I began the dispute process, making it impossible for me to reach back out to the merchant. Discover closed the dispute and deemed it valid on XX/XX/XXXX. I informed them that the invoice the merchant submitted wasn't even an accurate invoice because I was charged more than the {$7900.00} but it was split between my XXXX XXXXXXXX card and my discover card. The charges totaled {$11000.00} XXXX XXXX  has been able to resolve the situation based on the information that I have submitted, but for some reason discover has not yet resolved the situation. I will attach a copy of both my XXXX  XXXX and Discover invoices proving that the invoice submitted to discover wasn't accurate. I submitted the correct invoice to discover as well as the letter from the account XXXX. I asked discover to send me the invoice that was submitted to them so that my attorney could try to bring this to a resolution but I have not received that copy and i have now requested it 6 times. They told me that I should be able to see the dispute updates online, however i can't access the dispute any more from my account. Today one of the representative told me that the invoice from the merchant isn't even landgable on her side either.
Product: Credit reporting or other personal consumer reports

Was trying to update my address to my current address and they will not update my address
Product: Debt collection

I settled a debt after being forced into a chargeoff because the company would not work with me when my financial situation became compromised. I paid the agreed upon payments on time and XXXX XXXX  will not change my credit information to settled and is still reporting as a balance owed and negatively reporting charge off on my report monthly after the settlement was completed.
Product: Debt collection

Aargon Agency has re-barred a debt because I am XXXX and trying to get a mortgage. They are stating on my credit report that the account was opened on XX/XX/2020. The account had gone through the cycle of 7 years and they rehashed it to stay in business and employed.The amount is XXXX. They have been written up as a bad debt collection agency that harasses people.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific accounts which was inaccurate that were showing in my credit file. The accounts I am questioning are not affiliated with me nor received any money, goods, or services. These accounts are unknown to me. I have doubts in their accuracy and the reported payment history. As required by FCRA 605B ( c ) ( 1 ) ( C ) you are required by law to remove accounts which is found to be opened due to identity theft. These negative accounts are as follows : XXXX XXXX Balance : {$5300.00} ; XXXX XXXX XXXX : {$0.00} ; and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00}.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax and Transunion for their failure to properly investigate and remove fraudulent accounts from my credit report despite multiple disputes. I have been a victim of identity theft in both XXXX and XXXX, and my personal information was exposed in a data breach. These accounts were fraudulently opened in my name and do not belong to me. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are legally required to conduct a reasonable investigation and remove inaccurate or fraudulent information within 30 days. Despite providing all required documentation, Equifax and TransUnion have failed to remove these fraudulent accounts, harming my credit standing and financial stability. 

Fraudulent Accounts That Should Be Removed from Equifax : XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX Fraudulent Accounts That Should Be Removed from Transunion : XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXt # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account # XXXX Equifax and Transunion have failed to comply with the FCRA 's dispute resolution process, leaving fraudulent accounts on my report despite clear evidence of identity theft. I request that the CFPB take immediate action to : Thank you for your attention to this serious matter.
Product: Credit reporting or other personal consumer reports

My husband and I checked my FICO credit score on XX/XX/XXXX  to find that it was significantly lower than expected. I looked at the details of my credit report to find that there was a delinquency for a missed credit card payment. I contacted my credit card company ( XXXX ) on XX/XX/XXXX  to inquire about the missed payment because I had no recollection of missing a payment. They confirmed that they never filed a delinquency on my account. I created an account with XXXX to look at the credit report there and file a dispute, and when I looked at the credit report, it said that there was an adverse account with XXXX XXXX XXXX XXXX The account as an address that is a XXXX XXXX XXXX XXXX, XXXX. I did not create that account. 

I filed a dispute with TransUnion on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX, and XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/24 a letter was sent to Experian discussing a few late payments that i needed to dispute and they have received my letter per my records and have yet to respond and acknowledge my request i also sent all necessary documents to identify myself.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Please See Attached letter  and documentation regarding this complaint.. Complaint against Chase regarding changes made to HELOC Loan, Line of Credit , changing the payment amounts, principal and due dates. Chase Not sending an accounting or monthly statement or giv9ing us a good explanation. Not giving full disclosure  on the loan.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$25000.00} from XXXX XXXX XXXX XXXX , listed on my XXXX report, and following a thorough investigation, XXXX has completely deleted this unverifiable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit reports integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX
Product: Student loan

After filling out the recommended XXXX application I was informed my payment had doubled. I contacted AidVantage XXXX via email on their website. On XX/XX/XXXX and received an XXXX reply but no XXXX response. I attempted again again on XX/XX/XXXX where I did receive another automated reply and again, I received no actual reply. On XX/XX/XXXX I called in and spoke with a representative after XXXX minutes hold. The rep collected the exact same information that was submitted on the XXXX application. I asked for other options and was informed I would receive an email or a letter ( rep said OR and could not confirm which ). I have received no information. 
On XX/XX/XXXX I received an automated message stating I had called in and a rep had helped me so my online request is now closed. 

I logged into AidVantage to find my loans had been placed in XXXX without my authorization. 

The only contact I have received have been payment due notifications and my XXXX interest from my loans being placed into an unauthorized XXXX. 

Its disheartening knowing AidVantage is a subsidy of XXXX who has been operating XXXX XXXX for profit for years. 

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

I spotted some discrepancies between reality and what happened in such credit report. Being said that, I have never applied for Chase credit card. So Chase Inquiry on XX/XX/2020 is not resulting from my personal action.
Product: Debt collection

Portfolio Recovery Associates has been claiming they have purchased a debt from XXXX XX/XX/XXXX and are attempting to collect it from me, but I don't have a card with XXXXXX/XX/XXXX never have, and can prove that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  I have never lived at this address, I been in Florida since  XXXX    XXXX  .