23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I took out a student loan with Sallie May during my tenure in school from XX/XX/XXXX-XX/XX/XXXX, total amount close to around XXXX. After graduation I was struggling to make ends meet with no job and a new baby. I called Sallie Mae several times and sent in paperwork indicating I was not working. I was placed on deferment, respectively. I began working in XX/XX/XXXX and called Sallie Mae and was advised that I needed to stay in deferment vs income driven repayment plan since my income was so low. I was provided unclear information and was told I would be contacted via mail. From year to year I would call and update my information and finances and would continue to be told I made under a certain threshold and to stay in forbearance. Around XX/XX/XXXX ( my birthday ), I called and my loan was no longer with them and I was directed to Navient. Same as Sallie Mae I would call and ask to be set up on a plan and I would receive the same information. It was at the time that I wanted to begin a payment plan as I was working directly in public service and was informed that I could pay on student loans under public service loan forgiveness and be forgiven after a certain time period. I would be given the run around and was even told at one point that my loans had been paid in full. I would always ask for documentation and nothing has been sent to date, even today. 
Recently, my grandmother gave me a call and I was informed that the Sheriffs office came to her home looking for me. I did some research and found that XXXX XXXX XXXX, whom I knew nothing about is sueing me and XXXX XXXX is the contact for for unpaid student loans and this is the first that I have heard of me being delinquent at all. I have no knowledge of either company until 5 business day ago. My student was not handled properly and I do not understand why I was never contacted. 
I was planning to go back to school and now this is all shocking and disheartening. Even today when I call Navient they say my student loans are paid in full. How could that be? Now I am afraid of what will happen to me and my family as this lawyer is saying that I owe $ XXXX and I must pay now and there is nothing that I can do about it. Why didnt Navient perform their due diligence to give me a call and place under a repayment plan. I do not feel that Sallie Mae nor Navient performed their due diligence to ensure that I was treated fairly as I wanted to be on income driven repayment and then public service repayment plan and they continuously recommended forbearance based off my low income. 
Please be advised that I have a new address however providing my old address as the law firm is making threats and I believe this can be handled without them having my new address. My email address and telephone number are correct.
Product: Credit card or prepaid card

On XXXX I initiated payment to New York and Company at approximately XXXX XXXX. My billing document in fine print indicated payments must be received by XXXX XXXX  ET. When I initiated the payment I was informed I would be charged a late fee in the amount of {$37.00} because the payment was not received before XXXX XXXX   ET. I asked for clarification and was informed the deadline listed on the front of the bill in the fine print was the deadline for " mail-in '' payments only rather the deadline for " phone payments '' listed in the fine print on the BACK of the bill was XXXX XXXX  ET. 
Should there be a provision to prevent companies from : 1. Charging these fees when a consumer has made the payment on the due date regardless of time and ; 2. Listing the time frame in two different places on the bill? 
Please advise what consumer protections are in place regarding these egregious practices by all credit card companies. Additionally, I would like the company to return the money paid for the fee incurred.
Product: Credit card or prepaid card

I have had a XXXX  credit card since XX/XX/XXXX. 
Beginning particularly since XX/XX/XXXX, the website is so slow that it repeatedly times out when I try to log in to pay account. Other times for several days at a time it shows a basket icon and says that function is not available at that time. The end of XX/XX/XXXX, I could not even find out how much I owed on balance before payment was due, so I paid at store with a check for much more than I owed because the website would not take payment.XX/XX/XXXX, I tried repeatedly tog in with correct username in different browser and on different devices. For hours message said the website had an inactive script. It would not activate either login icon or " manage my XXXX ''. Payment was due XX/XX/XXXX. A few minutes after XXXX  I was able to log in with my username which was correct XX/XX/XXXX but it would not allow me to log in until XX/XX/XXXX. Thus XXXX  is fraudulently creating late fees which are a minimum of {$38.00} by not having its website function until minutes after payment is due.
Product: Checking or savings account

Received email on XX/XX/22 at XXXX that an account was created in my name. a second email was received that an online profile was also created. the bank is Truist. I have no dealings with this bank nor did i authorize any account being opened. i have tried to contact the bank with no response.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX have fraudulent account and increase appearing on all three credit reports.
Product: Credit reporting or other personal consumer reports

I NOTICED I HAVE A CAPITAL ONE HARD INQUIRY XXXX-2023 AS WELL AS XXXX-2023! I NEVER MADE THIS INQUIRIES. HAVE TRIED TO DISPUTE, HOWEVER I'M NOT GETTING ANYWHERE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th CFPB complaint to be submitted to the Credit Reporting agencies requesting that the Credit Bureaus to correct, update, or remove the disputed items on my Credit File. I previously sent dispute letters addressed to the Credit Bureaus and have waited for their response. I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. Please re-investigate the following accounts : XXXX XXXX XXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXXXXXX Balance Owed : {$3600.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Mortgage

XXXX XXXX XXXX  AND XXXX XXXX TRYING TO CHARGE EXCESSIVE FEES ENCLOSED ARE DOCUMENTATION THAT WAY OVER THE AVG COST FOR CLOSING WITH XXXX XXXX
Product: Money transfer, virtual currency, or money service

Citibank NY which acts as an intermediary for XXXX XXXX was instructed to return funds to my XXXX XXXX account however after 3 years the funds have not been received and after repeated efforts to have the funds traced no response has been given.It is suspected that the funds were sent to the intermediary bank of XXXX XXXX  which is a XXXX XXXX account however to Date no updates have been given. The institution XXXX has made efforts to request a trace be done to locate the funds CITI bank has been unresponsive in thus request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Also Known As : XXXX XXXX XXXX 2. The following personal information is incorrect Also Known As : XXXX XXXX XXXX 3. The following personal information is incorrect Also Known As : XXXX XXXX 4. The following personal information is incorrect Previous Address ( es ) : 7 XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX 5. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, MD XXXX XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

12. The following personal information is incorrect Previous Address ( es ) : 7 XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XX/XX/XXXX 13. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

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

Discover card wants to lower my interest rate. I told them I don't have a discover card, and do not call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that the ( Equifax ) credit reporting agency block and remove fraudulent information from my consumer credit report within 4 business days of receiving this complaint. As a victim of the Equifax data breach, I am submitting an FTC Identity Theft Affidavit to report a fraudulent late payment appearing on my Equifax FICO credit report. This late payment pertains to an auto loan opened at XXXX XXXX on XX/XX/year>, under account number XXXX, and is reported as delinquent in XX/XX/year>. I do not recognize this late payment, and it is the result of identity theft and fraud. I demand the immediate removal and blocking of this fraudulent late payment activity related to the account. I have attached FTC Identity Theft Criminal Complaint # ( XXXX ) as evidence that this and other fraudulent accounts, collections, and hard inquiries are the result of identity theft. I invoke my rights under the FCRA and FDCPA to ensure this fraudulent late payment ( XX/XX/year> ) is permanently removed and all related activity ceases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in a dispute process since XX/XX/2017. The law has not been followed, instead broken, by the credit bureaus while the paying creditors have unlawfully submitted entries on my credit profile without my consent. The law clearly states that my original signature on an original creditors agreement is the only proof that can be provided showing my permission to access and report payment activity. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.

The disputed XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX   account number XXXX and XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX have not provided the documentation that is required by law showing my original signature. XXXX, XXXX, and Transunion are not in compliance with the above referenced laws therefore I demand full removal of these accounts as well.
Product: Credit reporting or other personal consumer reports

I've received a current credit report. Soon after evaluating my credit report, it can be clear that the following accounts appear with no regard for accuracy as required by the Fair Credit Reporting Act. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX Account XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, MN XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  Account number:XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The CFPB form asks people if they have tried to straighten out the problem with the Company - I did!!!! At least 17 times!!!!

I have tried at least 17 times ( seventeen times ) to get this straightened out with the company! Literally! 

I tried with e-mails - faxes -telephone calls - and paper-mail!!!! 

___ EXPERIAN Fax Number - - - XXXX - Alt - - - XXXX XXXX XXXX  XXXX XXXX, Texas XXXX Date : XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information!!!! 


To XXXX XXXX & Experian & Others Whom It May Concern : ___ I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : 1 } The following inquiry needs to be softened or removed immediately : Creditor Name : BOA Date - XXXX Explanation : I requested to be provided written proof if I supposedly consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. Experian provided no proof - I would like it softened or removed immediately!!!!!!!

SPECIAL NOTE # 1 - I emphasize again - the hard inquiry must me softened or deleted TODAY!!!!! Because the time limit for compliance with FCRA & CPA & FACTA & CARD ACT & ADA & other laws has already expired!!!!!!!!!!!!

SPECIAL NOTE # 2 - I am a paying customer of Experian!!!!!!! Even tho I am a paying customer of Experian - Experian has often failed to do what Experian has been paid to do!!!!!!!! And Experian has even failed to do many things that Experian is supposed to do even for the free customers!!!!!!!!!!!! What is wrong with Experian?????????????? Experian is required to delete or soften the above stated inquiry TODAY!!!!!! TODAY!!!!!!!!!!!! 



2 } The following inquiry needs to be softened or removed immediately : Creditor Name : XXXX XXXX XXXXXXXX Date - XX/XX/XXXX Explanation : I would like to be provided written proof if I supposedly consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately, I would like it to be softened or removed immediately!

___ God Bless America!!!! 
___
Product: Credit card or prepaid card

I made a purchase from XXXX where I was buying a prep course on XXXX XX/XX/2017 in the amount of XXXX. The course was not as described and I provided documentation ( emails ) from the vendor describing the total price of the course and the purpose of the course. Following this review class, XXXX significantly updated the class since it was horrible. So I attempted to dispute the issue with Chase, but the vendor said I only purchased books. I provided additional documentation that I already purchased the books and Chase denied the charge back. I have made several attempts to get my money back but neither the vendor nor Chase is reviewing the documentation. Chase should have reviewed the information I provided. Why should the customer be responsible if the company sells a product but delievers a different one. Then they dispute what they sold.
Product: Credit reporting

Transunion had glitch in their system that violated the rights of their consumers under section XXXX As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting all inquiries be removed.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX the financial institution and the Consumer reporting agency Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Transunion and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion is not maintaining reasonable procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017, along with a co-signer, I signed a lease at the age of XXXX. In Alabama the minimum legal age to sign a lease is XXXX. The company continues to pursue me, rather than my cosigner, for this debt and it continues to be reported by transunion on my credit file.
Product: Money transfer, virtual currency, or money service

XXXX I work as an XXXX  with XXXX XXXX On XX/XX/XXXX, I received an email from one of my co-workers who also works with XXXX from her work email to my work email. Because I received this email from my colleague at XXXX, it was legitimate. This email was about an opportunity to join XXXX XXXX XXXX XXXX XXXX XXXX. Contact XXXX XXXX XXXX. His position is Senior ManagerXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( Text Only ). see the attached. 
XXXX offered me the position on XX/XX/XXXX. The job description was to receive donation checks and use them to purchase supplies for families in need, such as school supplies. These supplies were then to be shipped as per XXXXXXXX XXXX instructions. On XX/XX/XXXX, he sent me a donation check # XXXX for XXXX. I deposited the check into my BOA checking account ( # XXXX ). Please see the attached for more details. 
XXXX On XX/XX/XXXX, XXXX sent me another email, changing the course of the job. Instead of purchasing supplies myself, I was instructed to 'wire transfer ' the donation check I had previously deposited to XXXX XXXXXXXX XXXXXXXX XXXX, XXXX XXXX This company was supposed to purchase supplies for foster homes and shelters and ship them over the weekend. Regrettably, I followed these instructions. Please see the attached for more details. 
XXXX On Monday, XX/XX/XXXX, I felt something was wrong, and I contacted my co-worker, who confirmed this was spam. Of course, the check XXXX sent me for {$2500.00} was bad and bounced the next day. I contacted Bank Of America on XX/XX/XXXX and reported the incident ; see attached. 
When I tried to call XXXX XXXX XXXX  phone # XXXX, the number was not active anymore. 
BOA did not do their job promptly ; I reported this incident on the same day. 
XXXX BOA sent me an update on XX/XX/XXXX that the attempt to recover the funds was not successful. See attached.
Product: Credit reporting or other personal consumer reports

Several disputes submitted where information was requested from Equifax, XXXX, and XXXX for proof of verification of account and the company kept coming back the information was verified, even after I submitted paperwork from the original creditor stating the record was purged from their files and no longer reporting. I asked for the record to be deleted from the credit report and was denied. dates of event XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX