23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My consolidated federal student loans were recently purchased by a new servicer : Navient ( XXXX ) After a few months of regular, automated payments consistent with my 20-year level repayment plan ( started in XXXX ), I received an email saying that my payment would change ( it was reduced by more than half ). Upon logging in to the website I observed that Navient had changed the terms of my loan repayment to extend the loan until XX/XX/XXXX. Prior to the change, I was scheduled to make the final payment in XXXX XXXX. Upon calling Navient, they were unwilling/unable to tell me whether the change in payment plan would result in me paying additional interest on the loan. There is also no information on the website detailing the full amortization of the loan ( previous student loan servicers have provided such information ). 

Because Navient refused to provide the information I was asking for, I requested that they change the payment plan back to the original terms. I do n't believe that a student loan servicer should be able to change such terms unilaterally ( especially if it will result in a greater cost to the borrower, which is my suspicion in this case ).
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Equifax has been reporting incorrect and out dated information which causes me to have a lower than average FICO scores and pay higher interest rates.

2. Equifax continues to report high usage on my revolving accounts as above normal, as if I am over using my available credit and not paying it when in fact I have been paying my accounts in full every month, no less than 80 %.

3. Equifax has made a decision to report my revolving as high usage, when I do not use large amounts without paying them off in full or close to it.

4. Example : Equifax when I am on vacation I use my credit cards for safety, points, discounts and travel records. Afterwards, I get dinged on the day of that I have used my card as if I over used it, but if I pay it off it takes them 30+ days to get it recorded and updated. Meanwhile, if I apply for credit, my FICO fall into the lower numbers resulting in higher than average interest rates. Drops sometimes as much as 20 points.
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1 ) Bank XXXX XXXX, Account # XXXX, has violated my rights. 

2 ) XXXX XXXX XXXX XXXX ( Originator - XXXX XXXX XXXX XXXX ), Account # XXXX, has violated my rights 3 ) XXXX XXXX XXXX XXXX XXXX ( OriginatorXX/XX/XXXX ), Account # XXXX, has violated my rights 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. 

15 U.S.C 1681c. ( 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. 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: Checking or savings account

I have been going round and round with this firm and they refuse to acknowledge that XXXX XXXX is the same as XXXX XXXX as I already provided them information about my name and gender change and in fact have credit cards in my new name as well as my old name. 

Captial One has refused to acknowledge and has engaged in discrimination against a protected class of persons in California under the Cal Civil Rights provision thus I am proceeding with a civil unlimited court action against Capital one for damages, against a protected person. 

I have filed several cases here but Capital One has refused to comply. 

Thus, I want my capital one checking account # XXXX - XXXX I have had for something like 10 years with Capital One. 

I have not had access to this account online as Capital One has refused me access even after repeated complaints here thus I want this account closed and ALL my monies in said account refunded to me forthwith to my address on file : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX AS i AM going to XXXX XXXX know which tort actions, I will be taking at XXXX XXXX XXXX against Capital One for fraudulent business practices against a protected class of citizens in California. 

If you need my present address it is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  CA XXXX ( XXXX ) XXXX But as I am graduating from XXXX XXXX at XXXX, I will be returning to California to prosecute this case. 

In the meantime, I want my money Capital One is withholding illegally in my checking account I don't have access too anymore online, thus I have damages to seek when Capital One is refusing to pay me back forthwith. 

Attached is my legal name/change in Ca I already provided them with and ID 's numerous times before. 

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

According to the fair credit reporting act FAIR COLLECTIONS & OUT XXXX 15 U.S.C. 1681Section 602 A states I have a 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.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I currently use a credit monitoring process from XXXX. As a results of using the credit monitoring tool, I was notified that a creditor, CBNA from XXXX XXXX, South Dakota created a hard inquiry on my bureau. After some light due diligence searching on the internet, it appears CBNA is part of Citi. I have not applied for a Citi card and I dont think Citi has a permissible reason to pull an inquiry for me. I would like the inquiry deleted if CBNA/Citi is unable to provide adequate evidence that I took action that warranted a hard inquiry on my credit file. Thank you!
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX .... Balance : - ; XXXXXXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXX Balance : {$8300.00} ; XXXX XXXXXXXX XXXX .... Balance : {$950.00} ; XXXX XXXX XXXX .... Balance : {$11000.00} ; XXXX XXXX  XXXX XXXX XXXX. Balance : {$1600.00} ; XXXX XXXX FOR XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXX XXXX ... . Balance : {$530.00} ; XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXX .... Balance : {$3200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

On XX/XX/2019, I mailed Security Credit Services a letter for validation of an account. On XX/XX/2019, I received a computer print out that did not contain any original documents validating the debt. There were no signatures associated with this documentation as well. The balance within the print put documentation shows as {$1400.00} and my credit report shows a reported balance of {$2300.00}. As this company is alleging a variation within their information. I am hereby requesting on the grounds of improper validation, that the collection by Security Credit Services be feleted from my XXXX, XXXX  and XXXX   credit reports.
Product: Credit reporting or other personal consumer reports

Transunion continues to violate the law and my rights. 

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the CFPB have brought to light significant concerns regarding credit reporting agencies failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX , the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Credit Reporting Agencies are required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. Further NO hospital bills should be on any credit reports. 

I hereby request Transunion to remove the following inaccurate, unverifiable, fraudulent collections from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Request : Remove >Account XXXX  Days Past Due< from Pay Status. 

As you can see from the below payment history with supporting documentation, we have NEVER made a late payment on this account. EVER! 

Our loan was sold and XXXX became servicer ; we received our first statement from XXXX dated XX/XX/XXXX in XX/XX/XXXX. 

XXXX. XXXX XXXX a. XXXX Date : XX/XX/XXXX b. Payment Due : XX/XX/XXXX XXXX Amount Due : {$2.00} XXXX XXXX Paid on XX/XX/XXXX ( see XXXX Statement for payment confirmation ) XXXX. XXXX XXXX a. XXXX Date : XX/XX/XXXX b. Payment Due : XX/XX/XXXX XXXX Amount Due : {$290.00} XXXX XXXX Paid on XX/XX/XXXX ( see XXXX Statement for payment confirmation ) XXXX. XXXX XXXX a. XXXX Date : XX/XX/XXXX b. Payment Due : XX/XX/XXXX XXXX Amount Due : {$2100.00} XXXX XXXX Paid on XX/XX/XXXX but not applied by XXXX until XX/XX/XXXX : {$2100.00} ( see XXXX Statement for payment confirmation ) NOTE THIS PAYMENT WAS MADE XXXX WEEKS BEFORE XX/XX/XXXX DUE DATE AND ACTUALLY WAS IN EXCESS OF AMOUNT DUE BY {$25.00}. 
e. Additional Principal Payments made in XXXX : XXXX XX/XX/XXXX : {$230000.00} XXXX. XX/XX/XXXX : {$11000.00} XXXX. XX/XX/XXXX ( but not applied by XXXX until XX/XX/XXXX ) : {$620.00} XXXX. XXXX XXXX a. XXXX Date : XX/XX/XXXX b. Payment Due : XX/XX/XXXX XXXX Amount Due : {$190.00} XXXX Payoff Demand Dated XX/XX/XXXX. 
e. Authorization to Close and Check for {$200.00} Mailed XX/XX/XXXX ( XXXX  day grace period and loan closed we are told by XXXX on XX/XX/XXXX ). 
f. In XXXX, by letter dated XX/XX/XXXX, XXXX XXXX our check in amount of {$200.00} because loan paid in full. 

As you can see from the foregoing, with reference to the attached supporting statements, we NEVER made a late payment and even paid early! XXXX can not seem to understand that our XX/XX/XXXX payment of interest and principal was for the amount due XX/XX/XXXX as shown on the XX/XX/XXXX XXXX. 

The notation that this account had a payment delinquent greater than XXXX  days MUST BE REMOVED AND CORRECTED. We have never had a late payment on this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX placed an alleged debt collection onto my consumer report without sending proper notice to dispute before it was added. Since XXXX, XXXX, and Equifax are required to furnish accurate information they were also required to send out a notice for me to opt out or verify this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked that Equifax remove an incorrect collection from my credit report 3 times with no avail. I do not have a collection with XXXX. It is listed as XXXX XXXX, account XXXX amount XXXX on XX/XX/2016. I do not believe that they have even looked into this with progressive. My disputes are being ignored. This should not be on my record.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ). This lawsuit highlights significant issues with the platform, which I have personally encountered while using Zelle.

Despite having used Zelle numerous times and reporting discrepancies in my transactions, my financial institution and Zelle have failed to adequately investigate my claims. In my case, I was informed that recovering lost funds was impossible, and that tracking these transactions was deemed unfeasible. This response is not only frustrating but also troubling, as it suggests a systemic failure to address legitimate concerns of consumers.

The CFPBs findings indicate that Zelle has not only neglected to protect its users but has also enabled repeat offenders to exploit the system, leaving consumers vulnerable to scams and unauthorized transactions. Given this, I am deeply concerned about the platforms ability to safeguard funds and effectively resolve disputes.

I kindly request that you look into this matter and provide further information on what actions can be taken to resolve these ongoing issues. The current system, as it stands, leaves users like myself at significant risk, and I believe urgent improvements are necessary.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Checking or savings account

i have disputed several transactions with XXXX since XXXX of this year and have been unsuccessful to get back any of my money. 
XXXX has repeatedly switched the amounts and fails to clarify the denial of my claims. XXXX has also been closed and unable to reach on multiple occasions to try and protect my funds and was unable to due to there not being a representative to speak with. 
XXXX has not asked for a statement at all regarding the transactions in question and has denied my claims stating that there was no error even after i had insisted i have receipt and cancellation evidence for some and also i had been issued two cards without my request and later was blamed for the transactions i disputed since i was still accessing my account with my other card. XXXX  would deactivate my card and then block it and prevent me from accessing my funds. i would reactivate it and later again it would be declined. i have requested only to receive written response from XXXX  but they havenot sent me any documentation via usps. they continue to send me over twenty messages via their inbox online which i can not understand since htey have changed the amounts and gone back and denied then sent me a message saying they are investigating my claim and have received documentation i sent. which is not true i didnt send anything except usps via priority mail where i requested only written communications.
Product: Credit reporting or other personal consumer reports

I Filed a complaint with CFPB ( complaint # XXXX ) they came back to the CFPB and said everything was recording correctly which is incorrect. I pulled my credit report From Equifax and they are reporting that there was a payment in XX/XX/year> and a payment in XXXX XXXX of {$1300.00} ( see attached credit report from Equifax XXXX there was NO PAYMENT MADE***incorrect reporting *** again how many times dos it take to get them to report items correctly. Also according to the FDCPA that the account must be listed as Disputed Debt, which it is not. I feel in need a lawyer to look over this. It has been reported to CFPB
Product: Credit reporting or other personal consumer reports

I requested that the information be removed from my credit and it was not removed as I did not recognize the inquiries that were present on my credit
Product: Credit reporting or other personal consumer reports

I am rewriting to address multiple unresolved issues with the information on my credit report in GM FINANCIAL, despite prior disputes I filed regarding inaccuracies. I initially reached out to correct discrepancies, including errors in the dates of last payments, dates accounts were opened, payment history, and account status. 
After providing supporting documentation, I was assured that an exhaustive examination had been conducted. However, as of today, my credit report remains unchanged, and the errors persist. Moreover, I have noticed negative actions have been taken on my credit report despite these unresolved issues. My full name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX XXXX. My date of birth is XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Under 15 U.S.C. 1681e ( b ), GM FINANCIAL is required to maintain reasonable procedures to ensure the accuracy of the information provided, and my submitted evidence of inaccuracies shows a failure to do so. According to 15 U.S.C. 1681i, GM FINANCIAL is obligated to investigate disputes within 30 days, but I have not received any update or resolution. This delay constitutes a violation of my rights. Furthermore, under 15 U.S.C. 1681 ( a ) and 1681b, a consumer report can not be shared without my written consent unless exceptions apply. I request confirmation that my consent was obtained for any recent disclosures of my credit report. As part of my efforts to resolve this matter, I have filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX and expect GM FINANCIAL to cooperate with the FTC in addressing these concerns. To resolve this promptly, I request a reinvestigation of my credit report, specifically addressing the inaccuracies in payment dates, account opening dates, payment history, and account status. I further request that erroneous information be corrected or removed immediately. 
Please provide a detailed written response outlining the steps taken to resolve these issues and ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and resolution within the legally required 30-day timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This letter is to follow up any response from you after 30 days of investigation. As I reviewed my Credit Report I have noticed that there is still an item that is reporting as erroneous and incorrect information. I was never late on this account on XXXX. Balance is incorrect. This is a good standing account. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. Please remove all negativity. 



XXXX XXXX XXXX Late Date XXXX
Product: Debt collection

I am writing to about XXXX XXXX XXXX. On XXXX XXXX I was given a citation of eviction for XXXX XXXX XXXX  XXXX XXXX dollars.On XXXX XXXX. I had a court date and the Judge ruled in my favor to pay XXXX XXXX XXXX  XXXX dollars My rent for XX/XX/XXXX was XXXX XXXX XXXX   XXXX dollars with late fees included of XXXX XXXX dollars along with the filing fee of XXXX XXXX  XXXX dollars. Mrs. XXXX was in court asking for XXXX dollars and the judge asked her why?. She couldn't explain to the judge what was the amount including that is when he made a judgement in my favor for XXXX XXXX XXXX  XXXX dollars including filing fee of XXXX. In XX/XX/XXXX, I had received a notice of move out charges were I didn't agree to. I moved out as of XXXX XXXX. In the state of Texas after eviction you can't stay in the place if you do stay the management have to go back to court to get the constable to evict you but we left an moved bwecause the Judge asked me to move within five days. I had moved in with my mom until XXXX XXXX. We moved into a hotel on XXXX XXXX until my apartment was ready on XX/XX/XXXX, Also the itemized move out letter stated We had moved out on XX/XX/XXXX. Mrs. XXXX charged me rent for XX/XX/XXXX, late charges and the eviction fee the courts had already included in the amount I owed XXXX XXXX stated I caused damages without rendering my security deposit back. The damages were foreign to me and made up. Mrs. XXXX was later fired from XXXX XXXX XXXX for stealing from tenants. I have disputed with Pro Collect and the credit bureau since XX/XX/XXXX about the facts of this matter. Both Pro Collect and The Credit Bureau had told me the information is verified. Furthermore, I only receive the amount owed on my credit report XXXX and the statement from Pro Collect is XXXX and the amount with the court is XXXX. This also paced on my son 's credit and he wasn't responsible for this debt he was in high school. He had to be placed in the adults section because he was XXXX years old.