23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am an XXXX XXXX veteran. I have been considered XXXX XXXX XXXX XXXX by the Department of Veteran Affairs ( VA ) due to my XXXX XXXX XXXX, effective XX/XX/XXXX. On XX/XX/XXXX, the U.S. Department of Education and XXXX ( XXXX Discharge ) approved my XXXX XXXX XXXX XXXX ( XXXX  ) discharge application of my federal student loans on the basis of my XXXX XXXX XXXX XXXX. Copies of the aboved documentation were sent to Navient and XXXX XXXX via certified mail on XX/XX/XXXX. Thereafter, numerous telephone requests to cancel the remaining outstanding balance of my student loans indebtedness due to my XXXX XXXX XXXX were made to Navient. I also sent an email to XXXX, to no avail. On XX/XX/XXXX, I sent a second certified mail to Navient requesting that they discharge my student loans and to report to the three ( 3 ) credit bureaus that my accounts have been paid in full. To this date Navient has not taken action on my requests. As of today, XX/XX/XXXX, Navient website shows that I owe a total balance of {$22000.00} ( Account # XXXX ). Further, the loans balance continue to show on my credit report.
Product: Mortgage

I contracted my mortgage company, Wells Fargo Home Mortgage to try to make a mortgage payment and arrangements to bring the loan current. At the time, I was 3 months delinquent. They refused to accept the payment and instead advised me that I have to have all three months at once in order to accept the payment. I escalated the call to a supervisor, who told me the same thing. I advised them I would file a formal complaint because I am trying to give them money and they are refusing it. I was transferred to the Executive Complaints Unit and was advised that I could apply for a modification. I submitted my paperwork and within 2 business days received a call saying it was denied, but that I could appeal. The agent that was assigned to me flat out told me not to bother to appeal because it would not make a difference in the outcome. I had no options but to come up with all of the money to reinstate.
Product: Debt collection

I am disputing this collection account with CFPB concerning Retail merchant Association placing a collection account on my XXXX credit report. I recently sent Retail Merchant Association a letter asking for validation of the alleged debt amounting to {$10.00}. Retail Merchant Association did not provide any documents or evidence to validate the account, but instead gave me a print out of the bill. This company kept this account on my XXXX   credit report despite providing proper validation of this debt, but instead of verifying ( identifying ) the debt. Again, Retail Merchant Association did not provide any documents or evidence to validate the account. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX credit report or provide me with PHYSICAL PROOF, such as a signed legal binding contract of the debt. Your immediate response will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission in violation of the privacy act of 1974 etc. I have not authorized any of these creditors listed to have access to my credit report, and/or score. 

Please remove this information : Addresses:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Employment : XXXX XXXX  These accounts was not made by me. I never gave written consent to furnish on my credit 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
Product: Debt collection

I'm contacting you regarding a matter of concern in my credit file. I've noticed a collection entry from your agency that I was never notified about, and I have significant reservations about the debt 's validity. Under the Fair Debt Collection Practices Act, I'm entitled to request debt validation. I'm exercising this right and asking you to provide the necessary validation and take steps to resolve this issue.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

The term consumer report does not include ( A ) any report containing information solely as to transactions or experiences between the consumer and the person making the report. 
As this entry reflects a transactional experience between myself and a couple of Creditors, I assert that such information XXXX fall outside the scope of a consumer report as defined by the FCRA. Additionally, the information being reported is either inaccurate or unverifiable, which makes its inclusion in my credit report improper under XXXX XXXX XXXX XXXX. 
I request that your agency investigate this matter and verify the accuracy and legality of this reported item. If the information can not be verified or does not meet the legal standards for inclusion in my credit report, I ask that the XXXX late payment entry be removed immediately. 
To support my claim, I have attached the following documents : Account Name : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Date Open XX/XX/XXXX Reinvestigate and update payment XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of XXXX XXXX XXXX ( XXXX ) Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Date Open : XX/XX/XXXX Reinvestigate and update payment XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of XXXX XXXX XXXX ( XXXX ) I expect your investigation to comply with the XXXX timeline stipulated under the FCRA. Please provide me with the results of your investigation in writing, and if this item is not corrected or removed, I request a detailed explanation of why it remains on my credit report.
Product: Credit reporting or other personal consumer reports

I have several accounts and dates that are reporting inaccurate and are not reporting correctly. Please take a deeper look into my accounts to varifiy total and complet accuracy as stated in 15 U.S. code 1681e. Any an all inaccurate accounts I should be removed pronto. Thanks in advance. 

Best Regards P.S Please feel free to contact me via Email if you have any questions or concerns.
Product: Debt collection

On XX/XX/XXXX I noticed a debt collection on my credit report from Sunrise credit service. RE : XXXX XXXX XXXX XXXX  account. for {$1800.00} I disputed it.I also filed identity theft report. send Sunrise credit service and email with the letter from identity theft claim. That was sent on XX/XX/XXXX XXXX XXXX XXXX responded back asking my for me ssc number address and phone number after I give him that information did not hear anything back from him. now the credit reporting company 's removed it from my credit report.May XXXX I received a letter from Sunrise credit service still stating I owed them {$1800.00} they want me send them a copy of my driver 's license and sign a declaration that never was sent with a letter to me I just don't trust them with any more of my personal information I already gave them my ssc number address and phone
Product: Credit reporting, credit repair services, or other personal consumer reports

Two weeks ago, I was notified by the XXXX XXXX app that my previously excellent credit score had dropped 200 points. Upon viewing my credit report, I learned that XXXX XXXX ( account # XXXX ) had reported to the credit agencies that my credit card had a {$75.00} delinquent balance that was 30 days late. My problem is that this credit card, which I have had for 10 years, is used only to back up my checking account in the event of an overdraft. Unbeknownst to me, I did not have automatic payments set up. Furthermore, despite their claims, XXXX XXXX never communicated with me by telephone conversation, a letter, or an email to notify me that my account had become delinquent. Had I known, I would have paid my balance immediately. I have tried numerous times to speak with someone in the XXXX credit card collections department with no success. XXXX has severely and unfairly damaged my credit score because of their lack of transparency and apparent goal of protecting their company 's version of the truth. I have been told by several managers in their credit card department, who are not even working on XXXX 's investigation of my complaint, that the company tried numerous times to notify me, which is completely false. I have a mortgage and multiple banking accounts in good standing with XXXX. I do not understand why XXXX would allow my credit scores to be so badly damaged by a single oversight.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am contacting your agency to get help removing inquires and accounts that's on my credit report. I was a victim of identity theft. I have a police report and other documentations to prove it. I even have proof that my information is on the Dark Web. XXXX XXXX and Transunion.
Product: Mortgage

Aimloans advertised a mortgage rate with a certain APR. After I filled in an application, they, I saw a DIFFERENT APR /fees. When I inquired, a representative informed me the fees are third party fees??? then what is the point in publishing the APR if it does n't include the TOTAL FEES? 

XXXX 
RE : AimLoan Application - Started But Not Yet Completed CRMXXXX Inbox XXXX XXXX XXXX XXXX XXXX ( 17 minutes ago ) to me Hello XXXX XXXX This is not false advertisement. The information is based on Aimloan and what we charge for our lender fee. The other fees involved are third party fees and are not included in the information quoted on a third party site. While not all lenders subscribe to this way of doing business I can assure you it is a standard practice. I apologize for any confusion. 

Thanks so much XXXX XXXX XXXX Loan Officer - NMLS # XXXX Direct Phone/Fax XXXX XXXXXXXXXXXX My normal office hours are XXXX XXXX M-F " Our mission is to provide the lowest cost, most convenient mortgage in America. '' www.aimloan.com From : XXXX XXXX [ XXXX : XXXXXXXXXXXX ] Sent : Monday, XXXX XXXX, 2017 XXXX XXXX To : XXXX XXXX Subject : XXXX : AimLoan Application - Started But Not Yet Completed XXXX so this was a false advertisement? please change the ad so it will not mislead others. 

XXXX image XXXX On Mon, XXXX XXXX, 2017 at XXXX XXXX XXXX XXXX & lt ; XXXXXXXXXXXX XXXX wrote : Thats funny, last year I got a rate from XXXX from a lender. When I went through the process, the APR was exactly as advertised. 


XXXX On Mon XXXX XXXX XXXX, 2017 at XXXX XXXX, XXXX XXXX XXXX lt ; XXXXXXXXXXXX XXXX ; wrote : Hi XXXX XXXX XXXX does not take into consideration any third party fees. When you do a rate quote from XXXX you are only seeing the lender/origination fee. When you get the same quote from Aimloan.com you are being quoted lender/origination fee plus title, appraisal, recording, etc. 

XXXX XXXX Loan Officer - NMLS # XXXX Direct Phone/Fax XXXX XXXXXXXXXXXX My normal office hours are XXXX XXXX M-F " Our mission is to provide the lowest cost, most convenient mortgage in America. '' www.aimloan.com From : XXXX XXXX [ XXXX : XXXXXXXXXXXX ] Sent : Monday, XXXX XXXX, 2017 XXXX XXXX To : XXXX XXXX Subject : Re : AimLoan Application - Started But Not Yet Completed CRMXXXX Hi XXXX XXXX I am traveling this week but been meaning to talk to you. I found some really good rates on XXXX that leads back to your company. But when I was on aimloan, I notice the rates changed and the APR was ALOT higher. There was a package mentioned on XXXX that says total cost was something like $ XXXX. But then when the information on your site suggests something like $ XXXX. 

I was looking re-finance a property with the least amount of cost available. 


thanks, XXXX XXXX
Product: Vehicle loan or lease

My car is currently in the shop and parts were ordered on XXXX by the body shop. The parts are not available and have no ETA. I'm told it can be months more before the parts are available. 

I called XXXX to find a solution XXXX weeks ago, however, they have no solution. Yesterday I received a call that the case was being referred to the Parts Delay Team. I asked why it was not initially referred there XXXX weeks ago when I called but they were not able to answer that question. The representative simply said, " Well I'm doing it now. '' In the meantime, I'm being charged monthly for my loan. In addition, I've had to pay for a month of a rental and now had to get a new car in anticipation of not having my XXXX back for months. 

It isn't right that XXXX is not helping, and I'm being charged for a car I have no use of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX credit bureaus was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Transunion, along with the two other Credit Reporting Agencies are reporting inaccurate and inconsistent information to my consumer report. FCRA states any information needs to be 100 % accurate.
Product: Student loan

i get emails from Navient quite often with different payment amounts when i consolidated
Product: Checking or savings account

Bank : M & T Bank This year I have been a victim of fraud charges twice. The first time on XX/XX/XXXX of this year and then on XX/XX/XXXX of this year. In a amount totaling {$5000.00}. Both times it happened in XXXX XXXX. I reported the issue to the police departments and froze my checking account. In the weeks following I worked with XXXX police departments and we got pictures of the suspects. I thought this would resolve my issue but M & T refuses to reimburse me my money. The reason they will not reimburse me is in both cases my pin number was used. I have provided a reason how my pin was retrieved. In both cases my debit card was stolen in the same place which I find odd. I have been a customer of M & T for over 6 years and this is how they treat me.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding unauthorized and unverified hard inquiries on my credit report. Despite repeated attempts to resolve this issue directly with Experian, they have failed to address my concerns and have neglected their legal obligation under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024, I discovered XXXX unauthorized and unverified hard inquiries listed on my Experian credit report : XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX, XXXX *XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX *XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX, XXXX *XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX *XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX, XXXX *XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX *XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX *XXXX  XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX These inquiries have negatively impacted my credit score and pose a significant risk to my financial standing. I promptly contacted Experian to dispute these inquiries and request their removal from my credit report. 

However, Experian 's response to my inquiries has been inadequate and dismissive. Despite providing evidence of the unauthorized nature of these inquiries, Experian has failed to take appropriate action to remove them from my credit report. Furthermore, their customer service representatives have been unhelpful and have repeatedly hung up on me during our conversations. 

As per the FCRA, Experian is legally obligated to investigate and remove any unauthorized or unverified accounts from my consumer report. Their failure to do so not only violates federal law but also jeopardizes my financial well-being and undermines consumer trust in the credit reporting system. 

Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Experian for their non-compliance with the FCRA. I request that Experian be held accountable for their actions and that the unauthorized inquiries be promptly removed from my credit report and that for every removal I am awarded {$1000.00} as per 15 U.S. Code 1681n ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I appreciate your prompt attention to this matter and look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened an account online, then funded the account with cash in person at a local branch. I then made a mobile check deposit, and was notified that deposit was on hold for XXXX days. I attempted to use my debit card for the first time, and it was declined. The amount was approximately 2 % of my initial cash deposit. I reached out to customer service, who informed me my entire account is on hold, to include the initial cash deposit. They will not inform me as to the reason for the hold, and the best advice they could give was to follow up later. They make no guarantees as to when the investigation will be complete, nor when any of my funds will be available.

I went in to a local branch, which did nothing more than have the same conversation by phone with customer service, and repeat that information back to me. I find it unacceptable that they can deposit cash funds, make no claim as to those bills being counterfeit, yet refuse my ability to withdraw those funds. This is simply theft. I was never notified of the account hold by any means, and their mobile app still shows my initial cash deposit as available funds when they are not. They refuse to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day My name is XXXX XXXX, in XXXX I opened an account with XXXX there after I failed to pay in XXXX, that accounts was handed over to XXXX ( a dept collector ) later XXXX   handed it over to XXXX collection ( another dept collector ). 

To my surprise now their records are showing that I opened an account in XXXX with is pure lies, so I need to report this to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, I HAVE BEEN TRYING TO RESOLVE MANY ISSUES THAT ARE ERRONEOUSLY REPORTED ON MY CREDIT REPORT BY ALL 3 CREDIT REPORTING BUREAUS. I 'VE HAD THE COLLECTION AGENCY WHO DID THE ORIGINAL NEGATIVE REPORTING MAKE CONTACT THE 3 CREDIT REPORTING AGENCIES DIRECTLY, TO HAVE THE ITEMS REMOVED FROM MY ACCOUNT. WE HAVE TRIED DOING IT ON THE PHONE VIA CONFERENCE CALLS, AUD REPORTING WHICH WAS SENT FROM THE COLLECTION COMPANY TO THE 3 CREDIT BUREAS, AND VIA EMAIL. STILL THE 3 CREDIT BUREAUS WILL NOT UPDATE THE INFO. PLEASE HELP!!!!!