23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XX/XX/XXXX I started repaying my loans. I have always paid more than what I was required to pay monthly. Navient, my loan servicer wasn't handling my over-payments in a way that I felt best benefited me. So I called and got a run around. I was ultimately provided an advocate. 

The advocate failed to get the job done and did little more than hear my complaint. After about 6 months, I called again as my payments weren't going where I told them to go. The advocate got frustrated with me and then I was assigned a new advocate. At that time I created an automated email to go to the new advocate so that Navient would have a proper list of exactly the locations where I wanted my payments to go. 

Flash forward a few months, and I learn that Navient was disregarding the directive emails. I called livid and was assigned a new advocate and this time was promised that they would do what I asked. So now it is early XX/XX/XXXX and my payments are supposed to be retroactively reapplied. I asked for a comparison of before and after application that way I can verify their work. I was told they can do that. 

Flash forward a few 10 months, I am told by my advocate that Navient made the proper appropriations and magically my account history is no longer retrievable. I lodge formal complaints and get nowhere. After about 6 months of hem hawing with XXXX XXXX, my new advocate, I am able to retrieve my account history one time online. I look at the history, but nobody at Navient is able to provide me a ledger so that I can compare before and after the changes. Flash forward to late XX/XX/XXXX and I am provided a 147 page PDF of pictures of a ledger that isn't labeled and I am told that is the best Navient can do. Plus I still can't routinely access my account history. 

Couple all these problems and it makes for disenfranchisement. Add to that, the fact that Navient doesn't keep a ledger balance for any student published. They keep it for themselves, but if you want to know to the day what your balance is, you have to guess as even the advocates can't say for sure. I don't know if what I owe is accurate. Navient is no longer responding. I have asked to speak to management and at this point I am looking to speak with them or executive leadership. This isn't how business is supposed to be run.
Product: Credit reporting

Disputed bankruptcy, no dispute was placed on the credit report or was it removed, after 30 days still not reported as disputed. All other credit companies have removed said bankruptcy.
Product: Debt collection

This debt is over 6 years old and it has not been proven that I owe this debt. I have not been provided with papers that show I agreed to pay what they say I owe. I have not been provided with a list of any and all services or goods purchased and a line by line itemization of charges and how they calculated what they say I owe. The creditor needs to prove that the statute of limitations has not expired on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX in amount of {$1200.00} XXXX has violated my rights and needs to be deleted from my credit report. XXXX XXXX5 U.S.C. 1681 section 602 A section XXXX : it also states a consumer reporting agency can not furnish an account without my consent.
Product: Credit reporting

I filed a dispute to have an old XXXX XXXX Credit Card Removed from my Equifax credit report that was past the Statute of Limitations reporting period. 
This account was previously reported as closed by Equifax with the last date reported by XXXX of XX/XX/XXXX. No information updated or received after XXXX/XXXX/XXXX, account closed in XX/XX/XXXX, last activity in XX/XX/XXXX. 
Dispute verified received by Equifax on XX/XX/XXXX. Second notice that Equifax was investigating dispute received XXXX/XXXX/XXXX. 
I received notice that my Equifax account status had changed from a third party credit monitoring service, XXXX on XXXX/XXXX/XXXX. 
Checked with credit monitoring service and saw that Equifax had changed status of XXXX account from closed in XX/XX/XXXX to currently " Open '', " Past Due '', and " Sent to Collection '', which greatly impacted my credit score causing severe damage to my credit. 
I spent over 90 minutes on XXXX/XXXX/XXXX waiting for a live person to speak to at Equifax and the representative verified that there had been no investigation results to justify the change in account status, and that there had been no new information received from the creditor since the last date of XXXX/XXXX/XXXX ( Note that the date of last reported by XXXX XXXX changed from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX between the XXXX Equifax report dates of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) when the account was reported as " closed ''. 
I filed an identical dispute with XXXX XXXX for this same XXXX XXXX account on XXXX/XXXX/XXXX requesting that this account be deleted from my XXXX XXXX Credit File due to the reporting period Statute of limitations having tolled and XXXX XXXX promptly confirmed that the account had been closed for more than seven years with no activity and deleted the XXXX account as requested on XXXX/XXXX/XXXX. 
How can Equifax respond to an identical dispute to remove an account that has been reported as closed by all three credit reporting agencies for so long that it should be deleted, by changing the account status to " Open '', " Past Due '' and " Sent to Collections '' while reporting the account as under investigation? They have also arbitrarily re-aged the account as having a last reported date of activity as XXXX XXXX with no new data from the creditor ( still reporting the file as having the last update from XXXX XXXX in XXXX, XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX and XXXX are IGNORING my letter for more than A YEAR! when I ask them to VERIFY and VALIDATE an OLD account with an ALLEGED LATE PAYMENT that was verified as NOT TRUE with the creditor XXXX  XXXX. the LAST VERIFIED date on the credit report still shows XX/XX/XXXX!!! or XXXX!!! 
I've attached copies of the latest letters that were IGNORED by BOTH! 
Also, I requested information from the original creditor VOLVO about the charge off and never got anything from them
Product: Bank account or service

Due to the transfer of the Fidelity Rewards credit card from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to Elan Financial Services, I was no longer able to access my account online and retrieve my online statements and pay the bill. XXXX no longer had records of my account and I had trouble logging into Elan Financial Services. I had a past due amount of {$9.00}, but a late fee of {$10.00} was imposed instead, which violates the CARD Act amount of the late fee equaling minimum payment due ( which would have been {$9.00}, not {$10.00} ).
Product: Checking or savings account

My account was hacked and a large lump-some was stolen. I immediately contacted my bank ( CHIME, a popular online bank ) and reported the fraudulent transaction of {$670.00}. I submitted a dispute, which they denied. I then collected more evidence that it was a hacker, and also fraudulent, and submitted an appeal for their decision ( they call it a rebuttal ), chime then reassures me that with the additional evidence it should be handled within 15-90 business days. I checked my email this morning and they decided to again deny the claim. I believe the bank is refusing to refund my money due to it being a large amount. The evidence I submitted clearly shows that the wired transfer was illegitimate and fraudulent. The hacker stole over half my paycheck and I have been without money for over two weeks.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Using a Lowes Credit Card I made a purchase ( ~ {$1500.00} ) at Lowes XXXX New York some three months back ~ XXXX. Lowes was not able to deliver the item. Lowes credited my Credit for the amount of that purchase.

Aften ~three month of me making other purchases at Lowes using my Lowes credit card, SYNCHRONY BANK decided to refund the remain credit card balance of {$1000.00}. They debited my account for that amount on XX/XX/2021. I called SYNCHRONY BANK reguarding the debit to my credit card on XX/XX/2021 and they ( XXXX ) said that a check was sent ( by XXXX ) to me on XX/XX/2021. I did not receive that check. on XXXX I again called SYNCHRONY BANK and told them that I still have not received a refund check from them. A asked them for a tracking number but they refused. SYNCHRONY BANK would not provide me with any tracking information or any proof that they actually sent refund. 

To date : I have not received the refund by check and I am out {$1000.00}. 

Can you please help me?
Product: Debt collection

In the XXXX of XXXX CMRE had sent be medical bills and contacted me via cell phone. On XX/XX/XXXX, I spoke to a male rep who stated that I had 7 accounts, but only 1 with a balance. He said the total amount of that account was $ ~XXXX.  However, he said my portion was only {$76.00}. He then transferred me to a female representative who tried to collect {$300.00} from me. I then sent an email to CMRE to verify what was going on. They did not respond to this email. However, I received a bill in the mail for an amount of {$76.00}. I made this payment and subsequently validated via telephone that all accounts were paid in full. Since then I have not had any communications from CMRE. On XX/XX/XXXX, CMRE began reporting an {$82.00} collection account on my Credit. Based off this, I called into CMRE on XX/XX/XXXX and spoke to multiple people. They informed me that the last notes on the file show a communication with them on XX/XX/XXXX ( before the email ). The notes did not reflect the male I spoke to or the subsequent call. The assistant manager XXXX said she would try to pull the calls I had with him. She confirmed that they did not attempt to contact me since my last communication with them. She stated that they reached their mailing threshold and that is why they did not send anything via USPS. She also claimed that they did not have my phone number on record ( even though they called me last year on it ), and that is why they didnt attempt to call me. 

I no longer use the credit card I paid the account with and therefore can not pull a receipt. I agreed to pay the debts they are now claiming I owe if they remove them from my credit. However, they have refused to delete them. I asked XXXX for their regulator information and she told me it was the XXXX. I subsequently spoke to the manager XXXX who now claimed I hadnt made a payment since XXXX, and refused to look for the phone records of me speaking with them.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against XXXX, Equifax, XXXX for their refusal to update my personal information on my credit report. On XXXX XXXX, XXXX, I submitted a personal information update letter to XXXX, Equifax, XXXX, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/XXXX, I received a response from XXXX, Equifax, XXXX stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to XXXX, Equifax, XXXX. 
I believe that XXXX, Equifax, XXXX 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ). 
XXXX, Equifax, XXXX 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, XXXX has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX Email- XXXX Phone- XXXX DOB- XX/XX/XXXX Address- XXXX XXXX XXXX, XXXX Ny XXXX SSN- XXXX Inquires that need to be removed below XXXX XXXX, XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXI - XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 



XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. F 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, XXXX XXXX
Product: Checking or savings account

XXXX I had discovered i had theftt/identity stolen my checking-saving accounts.The total amount was XXXX.The same day I notified Wells Fargo claims D.who documented claims.The claims D. advised me to close accounts.XXXX Went to wells fargo spoke to XXXX XXXX closed accounts.I said what about XXXX XXXX XXXX told it would be fine. XXXX fraud on my C.C. Called fraud dept. letters from Wells Fargo stating the transactions were from an online secure session by me or someone that had my authority. Nothing is secure or save. I have never used XXXX nor did i give authority.Since XXXX until XXXX have been denied. It amazes me that when i was back in the bank on XXXX i wanted my XXXX  removed I was told that it couldnt be by XXXX and XXXX but they could secure it.XXXX I received a letter from XXXX denied again but As of current im enrolled. I did not request!!! You want proof. My identity and info was stolenI cant even trust Wells Fargo to keep my money XXXX make money off of customers. Giving me the runaround. XXXXI have contacted FBI, CFPB, OCC, FTC local media.
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and I notice the inquires that I reported last year that was removed are back on my credit report, I called and that stated that they are not on there but when I did my update for that month they where on they and they are hurting my credit score.
Product: Credit card or prepaid card

Due to unforseen financial hardships, I was forced to enroll in a debt management program a couple months ago. My Capital One accounts were among the accounts included in the program. The debt management program was in charge of taking the monthly payment out of my account to pay the creditors and I made sure to make those payments on time every month until my financial situation got better and I was able to pay off the whole amount. I loved my Capital One cards and never had any problems with and although I was struggling financially, I always made sure to make the monthly payments even before I was enrolled in the debt management program. They are reporting late payments to one of the account and I do not understand how and why they are reporting those late payments since I have not knowledge of ever being late and only one of the account is marked as being late when both accounts were under the debt management program. It is unfair because I always made sure to pay them and when my financial situation finally improved, the first thing I did was paying both accounts off.
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 recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous time and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety such as I.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information. 

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation. 

Thank you.
Product: Prepaid card

I recieved my middle class tax refund in the mail in 2022. I had saved the card and the funds on it for an emergency, and attempted activating it last month so that I could use the funds. After calling and answering several security questions to activate it, I discovered the balance was {$1.00}. I called again and asked about it, and was told there had been XXXX transactions on the card in XXXX of 2022, all in XXXX California, totalling in {$690.00} in charges. I asked to file a dispute claiming fraud. They filed the dispute, and sent me a new card. When the new card arrived, I called the number again to activate the new card. After activating it, I was told that the balance was still {$1.00} and that my claim had been denied due to it not being filed in a timely manner.