23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I went to XXXX XXXX College from XXXX to XXXX. The school lost its accreditation and I'm still working to pay off this loan. My loan was consolidated by Navient to where I have been making payments for years. In not really understanding the interest and payment plans I often asked for payment to apply to the principal or what reasonable plan I can manage to do so. They offered a plan with a massive amount of over {$500.00} a month and other plans that would not benefit me so reluctantly I opt for the income driven plan. I later notice that my interest are higher than my payments. Evan when i over pay. My balance never decreases. Each month it increases. I'm only paying interest, nothing goes to the principal balance, not 1.00 dollar. I thought this was against the law. I am compliant. Navient does not have to call and hunt me down to make my payments. I work as a XXXX XXXX for XXXX but can not apply for a forgiveness because it's XXXX XXXX. I understand that I took this loan but do not understand how it can be paid off. I am trapped. If I fail to pay they will take it from from tax returns and my credit destroyed. Getting a better education should not result in feeling this way. This wrong.
Product: Credit reporting or other personal consumer reports

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

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXXXXXX XXXX Account name : XXXX, Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX ( ex girlfriend ) opened many lines of credit and loans including this one without my knowledge or consent, she stole my social security card information.
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 items 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 items 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 are the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$950.00} ; XXXX XXXX XXXXXXXX Balance : {$390.00} 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 XXXXXXXX. 


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: Credit reporting or other personal consumer reports

On XXXX a hard inquiry was put on my credit from JPMCB ( chase bank ) when I called the bank they said that they could not find an application under my social security number. They then told me to contact XXXX  and they would have to remove it. XXXX sent me here to make a report with you all
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over a month since I sent you my dispute letter, I have been advised that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, almost 2 months have passed but I still haven't got any response from you. What the XXXX is this???? This is clearly a violation and your negligence. I am keeping record of everything because if you continue to ignore my disputes I am going to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out for my family and youre ignoring it. My information may also have gotten to the hands of the wrong person because of XXXX  data breach and you need to do your part to investigate and clean up these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my most recent credit report, I found 2 names, 2 addresses and 2 phone numbers associated with my account which are not correct. According to CFR 1022.3 - Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Therefore, anything added to my report without my written consent is to be considered identity theft. I ask that you remove the information listed on my credit report, immediately. 


Addresses : XXXX XXXX XXXX XXXX NJ XXXX : address ID # XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX Names : XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX ID # XXXX Phone Numbers : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me resolve this issue my rights have been violated my rights Please remove the following : XXXXXXXX XXXX ( closed account ) XXXX *Jpmcb card service ( closed account ) XXXX *Capital XXXX ( hard inquiry ) XXXX * XXXX XXXX bank ( closed ) Ways they have Violated consumer Rights/Law XXXX. 15 USC 1692b Acquisition of location information Not to communicate by postcard not to use language or symbols of any envelope or in the content of any communication affected by mail or telegram that indicates that there was a debt collector is any debt collection of debt XXXX. 15 USC 1692c Without prior consent of consumer given directly to debt collectors or express permission court or complaint jurisdiction a debt collector may not communicate with the consumer and connection of collection or debt XXXX. 15 USC 1681 section 2 Consumer can not furnish account without written permission XXXX. 15 USC 1681 section 602 Rights to privacy
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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: Checking or savings account

Attempted to submit request for wire transfer from online CITI savings account, and was given an error online saying " unable to submit wire transfer request, please contact costumer service ''. After contacting costumer service on XX/XX/year>, I was hung up on twice by two different service representatives, and after calling for a third time, they said there was a block placed on my account, and they are unable to verify my information after correctly providing my personal information with them multiple times. CITI customer service stated that I either needed to go into a branch to resolve the issue ( nearest branch is 4+ hours away from me ), or I needed to wait for a letter from CITI that would take 7-10 business days until I am able to access the money that is in my account. 
Currently have taxes that are due on XX/XX/XXXX, and CITI will not allow for me to gain access to the funds in my account to be able to pay my taxes, and they are holding my money for 7-10 business days until I receive a verification letter in the male.
Product: Credit card

Please attach history to Complaint ID XXXX? I discarded the JCPENNYS credit card as I was instructed by JCPENNYS. It showed my complaint was in progress with CFPB and JCPENNYS closed the account because it was not paid. It showed they had some kind of block on their website to make the payments. They did not make it clear if I could walk in to make a payment. I went to JCPENNYS and paid the full balance and attached receipts to my complaint with CFPB. Please ask they not send the wrong information to the credit report bureaus?
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. DEPTEDXXXX XXXX DEPTEDXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed and attached my FTC Report regarding the fraudulent/unauthorized inquiries. I have attempted to fix this issue with TransUnion multiple times.
Product: Credit card

I opened an account with XXXX XXXX XXXX in XXXX. I used this credit line again in XX/XX/XXXX to purchase more bed and bedding with 0 % financing. The store handled the entire application authorization process over the phone in the store. They snuck a monthly fee labeled pymt card security back onto my account which I previously declined on this credit line. They charge me every month {$58.00} for this service. They then add 29.99 % to this fee every month. To date they have fraudulently charged me {$500.00} ( XXXX ) and {$550.00} ( XXXX ) in fees ; {$110.00} ( XXXX ) and {$25.00} ( XXXX )! I have this account set to autopay and because I have previously declined these extra security services I never anticipated they snuck these charges back onto my account. I want these all removed from XXXX and XXXX. The fees are more than the bedding cost! This is a sneaky deceptive practice ; they claim I selected the service but I did not the store selected the service when they processed the purchase without properly explaining and I explicitly declined these sneaky charges previously between XXXX.
Product: Credit card

After being scammed in XXXX ( XX/XX/23 ), I contacted Citibank credit cards immediately, was instructed to wait for the charge to post, and then challenge the transaction then. 

However, Citibank credit cards did not perform any meaningful " investigation, '' although it used that word, and effectively excludes any meaningful chance to appeal its initial " investigation '' : 1 ) Although Citibank credit cards was able to elicit a response from the scammer -- for which I am grateful -- they did not perform an basic " investigation '' worth its name. Specifically, they did not compare the deceptive and fraudulent buying process that I had encountered and documented, with the merchant 's bad-faith and off-topic response ( screenshots of a different buying process, as sent to me in 8 pages of docs in an XX/XX/23 letter, on CITI letterhead ). 

2 ) After this non- '' investigation, '' Citibank did not provide a reasonable way to challenge its initial determination. Although they stated that you could " continue to dispute this charge, '' that continuation of the dispute required you to submit " a credit slip or chargeback approval letter '' ( XX/XX/23 letter ) -- that is, proof that you'd settled the dispute with the merchant! Because of course the scammer would not reverse the charges and I could not provide this one thing, Citibank would not accept any appeal of their initial, deeply-flawed, so-called " investigation, '' and rejected the entire appeal on that grounds alone, never even scrutinizing the fraudulent buying process that led me to request charge reversal ( XX/XX/23 letter ). 

Overall, this is very unethical behavior, and I'm now worried that the negative results of their so-called " investigation '' might close off other avenues of recourse with the scammer and make other avenues of recourse not take me seriously ( e.g. when I appeal for help to my state attorney general 's office )
Product: Credit reporting or other personal consumer reports

I am aXX/XX/XXXX/ Identity Theft Victim. These accounts listed aren't mines, please help me in just now getting on my feet and No one wants to rents to me. Because my score so low and so many derogatory remarks. These accounts are damaging my credibility please help me rectify this situation. 

XX/XX/XXXX Lvnv Funding XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau 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. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXXXXXXXXXX-Balance {$0.00} XXXX XXXX XXXXBalance {$0.00}
Product: Credit reporting or other personal consumer reports

By Federal Law 15 USC 1681 I am entitled to privacy of my personal credit information. My information was compromised within ALL 3 credit bureaus. My account was hacked and my information was released to strangers. Accounts have been opened in my name.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in the process of applying for employment and have been informed by the HR department that negative items on my credit report are adversely affecting my chances of securing a position. A legal friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection. 
According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable inIf you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 15 U.S. CODE 1692E - PROHIBITING FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS IN DEBT COLLECTION. 
XXXX XXXX XXXX Account # XXXX Delete this account. 
15 U.S. CODE 1692E - PROHIBITING FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS IN DEBT COLLECTION. 
XXXX XXXX XXXX Account # XXXX Delete this account.
Product: Credit card

I was out of town when my credit card arrived to my address. It had already been sent to the wrong address. When I returned home from a months long vacation I found the new credit cards statement and saw the XXXX and flight charges. I called XXXX, logged in my account and asked for details to the flights. Was unable to get refunded from the airlines. Flights were canceled and after disputing the charges Chase says I received benefit from those purchases and therefore responsible. I never bought or used flights. I filed a review for the claim, submitting proof that I was out of town and again was told that the charges were valid. No other explanations or proof I received benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I see multiple account reflecting on my credit report that I did not authorize
Product: Credit reporting or other personal consumer reports

I have no knowledge of this inquiry nor did I consent to this
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to make a complaint against the Equifax. I really think this credit reporting company has a huge issue with my credit score being in the excellent category. I mean every time my score goes up, Equifax always manages to knock it down drastically. Can you please investigate Equifax as to why my score dropped 54 points? I mean they have the same data as XXXX does but they felt the need to drop my score by a great deal of points. No explanation was given. As an American consumer I have a right to know why Equifax has damaged my credit. I really need some answers. Please investigate them, I feel its about race.
Product: Debt collection

On XX/XX/2023 my bank account was frozen and levied by Apothaker Scian P.C . I was never notified of lawsuit or debt. I do not believe this XXXX debt is mine. I searched local court records for this judgment and there is no file. I never had a XXXX card and was never informed of this legal action or judgment. I will contact the law firm to gather more information about this judgment to fight it.
Product: Credit reporting, credit repair services, or other personal consumer reports

urned in my XXXX XXXX XXXX lease with XXXX XXXX  in XX/XX/XXXX under the provisions of the XXXX. Received confirmation of the lease turn in XX/XX/XXXX after several attempts to contact XXXX. Received multiple statements from XXXX claiming that we owed money on the remaining payments while I was XXXX to the XXXX XXXX. XXXX XXXX  told us multiple times to disregard the statements that our account would be fixed since it was turned in under XXXX. In XX/XX/XXXX we went to purchase some land and saw that we were shown as having late payments on our account for several months after the car had already been turned in under XXXX. After several attempts ( probably 20 or so ) contacting XXXX XXXX and talking to multiple customer service reps and managers we were assured that our account had been corrected. As of today XX/XX/XXXX the account still shows 60 days late on all three credit reporting agencies with updated dates in XX/XX/XXXX despite XXXX telling me that their system shows it being cleared with no late payments. I have been promised that we would get a letter that states the account is incorrect on multiple occasions and have still to receive any letter. This has now cost me hundreds of dollars in additional fees and deposits required to establish new accounts because of the incorrect information. I have been promised for months that the issue would be resolved, yet nothing has been done to correct the issue. I was told to dispute the information that it must be incorrect with the credit reporting agency. I did dispute with XXXX  which returned with an affirmation from XXXX XXXX that the information was correct.
Product: Debt collection

There is a debt collection company by the name of FOX COLLECTION CENTER who parked debt on my consumer report without ever contacting or notifying me. I, XXXX XXXX do not know where this debt came from. This company is not licensed to collect in the state of TENNESSEE. They have violated my rights because I was never given the opportunity to dispute the debt, I did not receive any disclosures, and they are damaging my reputation. A violation per 15 USC 1692d ( 1 ) and 15 USC 1692e ( 10 ). This company is also violating the FCRA and FDCPA by not responding when a debt validation letter was mailed to them. They've been ignoring me which is also a violation because debt collectors are required to respond to consumers per Debt Collection Rule providing them accurate valid information regarding the alleged debt upon request. They also have false implications of the alleged account possibly being collected by an attorney. A violation per 15 USC 1692e ( 3 ). This is deceptive and abusive behavior.
Product: Credit reporting

My credit score is in the low to mid XXXX 's despite a perfect payment record.. My total debt is about 5 % of my net worth, most in XXXX securities. Why is n't my score perfect? Checking my credit reports they seem accurate - perfect payment history! No court judgements, no bankruptcy history, no unpaid debts, etc. But, it seems misleading. I pay my only credit card off in full every month, no carry over balance, but it shows a max charge vs the limit even though paid. I keep my limit low to minimize identity theft and credit theft limits. My second card is a debit card, also paid every month. I get no reply to my specific question why my score is so low so I ca n't provide the information to resolve it.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX