23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

When U S CFPB in XXXX filed a lawsuit for predatory loans eventually leading to the Closing of schools, no accreditation for the degrees, fraud and other illegal violations I felt the need to seek your help. 
Im filing this complaint about XXXX XXXX XXXX XXXX NAVIENT SOLUTIONS, INC for Fraud, deceptive marketing and predatory loan practices. Also for years of my credit score in poor standing and the stressful experience with a college degree that caused more financial hardships. 
After the news about the settlement for them using illegal deceptive tactics, for borrowers to take loans to attend. 
I have had a default on my credit report for years, unable to receive federal aid, my taxes offset XXXXand the struggle to overcome student loans from a Institute guilty of federal violations. 
Also for not assisting me with the information on CLOSED SCHOOL DISCHARGE programs when knowing I was a victim of the illegal violations. 
I am attempting to find a resolution to this complaint in a quick response before seeking judgements from the courts. For not respondig to the applications for the loan, not providing information about the loan, offset of my taxes. 
( I have more details on the illegal violations )
Product: Credit reporting or other personal consumer reports

XXXX XXXX is violating 15 USC 1666b . This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/year>
Product: Money transfer, virtual currency, or money service

I received notice from XXXX XXXX that merchandise I had ordered was being shipped. I had not placed this order. It was being shipped to an address in XXXX. They said I had paid {$210.00} using my PayPal account. I have never used PayPal to pay or buy anything, only as a way to be paid during pandemics. I contacted PayPal, but could not raise a human, only shuttled through options. After some time I was able to get a investigation started that I was told may take 10 days. So I then contacted XXXX XXXX to ask them to cancel the order, but they said they could not and that I would have to go to PayPal. I returned to PayPal in an effort to expedite the investigation with little effect. In desperation to halt this, I contacted my bank and put a stop payment on PayPals withdrawal. Now PayPal becomes more interested. They inform me that my bank refused withdrawal. They then removed the amount from payments I was receiving via my business, music teacher. They then informed me that they found nothing inconsistent with my account and closed the investigation. I would like my money back. And so am filing a complaint here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted 2 disputes, its been more than 30 days for both and I added that on a new dispute but they havent done anything. The 1st one was submitted on XX/XX/XXXX confirmation # XXXX has not been completed. The 2nd one was submitted on XX/XX/XXXX confirmation # XXXX has not been completed either.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX  TX 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, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE XXXX  DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company 's response is a complete lie, I have NOT been in contact with this company except to file a complaint via CFPB. I asked the company to provide a signed contract by me proving that they have a legal right to collect on this debt. More importantly to provide the original contract signed by me, authorizing the original company to sell the debt to a third-party collection company. My legal rights are being violated by this Collection Agency because there is no contract signed by me proving a business agreement and they have not provided me with the Original signed contract with my authorization. Reporting a debt without a legal agreement is in direct violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan was sold in the middle of a Covid forbearance and new servicer reported loan as over 120 days delinquent. No payments were ever missed, current going into forebearance.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. I understand that you will look into these items for me to ensure they are accurate. Here is the item I am asking you to verify as accurate : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have several inaccuracies on my credit report that needs to be removed
Product: Credit reporting

I have XXXX accounts from CENTRAL FINCL CONTROL all dated XXXX 2016 that reflect debt that I did not create.I have made several attemps to contact them in writing and by phone and have been unable to get an answer as to what they are for and have stated to them that they are not my debts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  $ XXXX credit Management Co XXXX XXXX $ XXXX XXXX $ XXXXThese accounts do not belong to me
Product: Debt collection

Back some time ago a LOT of credit cards were opened with my information mysteriously as soon ( or close to ) turning XXXX. For example I had a XXXX dollar credit card opened with XXXX. When I found out, It was a little too late because the perpetrators have gobbled up all the money. Not knowing what to do, I went to my local XXXX. I spoke with someone and told them someone stole my identity and opened a lot of credit cards with my information. I was turned away and I was told to start paying the amount owed. The representative said " They MUST of gotten the information from somewhere '' " It 's probably someone you know '' and I was n't offered any help. Well here we are, I have an XXXX credit card, XXXX card, and the largest XXXX cards that were opened without my knowledge. Considering I did n't open any of these credit cards, I 'd like to find out some help or advise.
Product: Debt collection

XXXX XXXX reported to my credit prior to contacting me regarding the alleged debt. When I asked for verification they never provided the debt validation or any of the account information. There are many discrepancies and inconsistencies with how they are reporting the alleged debt on my file as well. 

I would like to see XXXX the communication occurred when the debt was purchased from " XXXX XXXX '' to XXXX XXXX and prior to being placed on my credit report. 

The account status is not consistent, Date Opened is not consistent, Closed date is nonexistent and last payment as well.
Product: Vehicle loan or lease

I leased XXXX  XXXX on XX/XX/XXXX.

I paid {$2600.00} in down payment which includes the first-month lease amount.

I was expecting the first bill around XX/XX/XXXX.

I haven't received it fro

m Hyundai until today. I called Hyundai salesman at the dealership who helped me getting the vehicle and he disconnected the call sending a text message " I will call you back ''. ( I have proof of the messages ).
After a few days, I called him again to receive the same text message.

I sent him a message explaining about the missing bill to explain the issue.

After a few days, I called the dealership number and reached the finance team which went to the voice message system.

This kept on happening and onXX/XX/XXXX, the car was repossessed from my apartment complex parking lot. 
I called Hyundai care to disable car movement if they can and they suggested to raise a police case and provide the case number.

I went to the police station and they told the vehicle was repossessed.

I called the Hyundai care again and told them about this and they gave number of recovery team. It is closed for Saturday and Sunday.

Monday morning I called the recovery team and asked them I haven't received the bill and I was trying to reach the dealer and salesman but no help. 
They went through the records and found the mails sent to me were bounced back, they noted my email ID wrong. They were contacting my employer 's phone number which I don't have access to. I gave it when they asked for employer details. 
I haven't received any communication on how to pay. 
They told me I need to pay a {$370.00} repossession fee and a lot fee which came to {$210.00} and police repossession clearance {$15.00}. 
I asked to waive the fees because it was not my fault for not reaching the right number. I called my first point of contact ( Dealer ) but no use. 
I pleaded them and left multiple voice messages to their manager XXXX XXXX but no use ( he never responded ). They know it is their fault but they say it is their process and I need to bear the {$600.00} for repossession charges. 

I have uploaded the sale document for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX  Acct # XXXX, XXXX Acct # XXXX, US DEPT ED Acct # XXXX, XXXX  Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXXXXXX Acct # 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: Money transfer, virtual currency, or money service

I was contacted by a people who engaged in a romantic relationship with me over XXXX. They then wanted to help me invest in cryptocurrency ( XXXX ). In XX/XX/year> I invested {$3500.00} in one such company. When I went to withdraw the XXXX, the company website was gone. In XX/XX/year> I invested {$6200.00} with another person in another company. I can not retrieve my funds. These transactions were done through CashApp XXXX XXXX XXXX XXXX I contacted CashApp and they told me that they can not reverse the transactions, and I can not get a refund. The following are the associated transactions : Date Purchased Amount Bought Date Sent Sent Amount XX/XX/year>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: Debt collection

I have had no assistance in my claim regarding XXXX XXXX XXXX XXXX XXXX and their debt collector : Transworld System even after several YEARS of CFPB complaints, including Ombudsman appeals with continued damaged credit resulting in declined loans and higher interest rates. 

Dates : 2007 to Present Amount : Originally - $ XXXX. Currently : $ 80K ( approximately ) Actions : Continuing to negative credit report resulting in my score down over 80 points, ignoring and violating Consent Order, falsified credit dispute documents by reaffirming the debt was owed to credit bureaus.
Product: Checking or savings account

I signed up for their XXXX XXXX XXXX account bonuses and their system only applied a code that pays a bonus for a XXXX  account. When I first reached out to them about not receiving the bonus for fulfilling the XXXX  account requirements, they stated that the code was only applied to my XXXX  account and that it was too late to add the correct code. I replied with screenshots that confirm that Chase 's site said that it was opening a XXXX  and XXXX  account for me. See image # 1. The promotional code is automatically applied by Chase 's system when the user clicks the link to open the account. You can only click one of three buttons ( checking, savings, or checking and savings ). See image # 0. So, if the screenshot says that it's opening a XXXX XXXX XXXX account and applying the bonus offer, that is the offer that I should have been signed up for. The other screenshot also has a summarization/confirmation of my newly-created account and lists both the checking and savings account offers. See image # 2. I provided these screenshots to Chase and they said that it would take XXXX  business days to get a response. I waited. We're now at XXXX business days and they're asking me to wait up to 7 business days because they have a high volume of complaints. Unfortunately, other people have also had this issue. I've been patient enough. The bonus should have been paid 15 days after I met the requirements and I was patient enough to not contact them immediately after I didn't get my bonus. I believe that I've waited long enough and don't like being told to wait XXXX business days, then to wait another XXXX business days.
Product: Credit card or prepaid card

I set up auto pay for my credit card bills with Bank of America in XXXX of XXXX. Since that time Bank of America has not done well to take these automatic payments that they set up. Bank of America has all the information that they need to take my payments out, but they don't take the money out, and then they charge a late fee and interest. I am not late. Bank of America doesn't take out the autopayment that they set up. Two times I have been reimbursed for interest and late fees, because the funds were not taken out by autopay. This should not keep happening, since the idea of autopay is that you don't have to worry about your credit card bill not being paid. In XXXX of XXXX I was worried that the autopay would not go through again, so I called Bank of America to make sure that the payment due in 5 days would be made automatically by the auto pay. When I called Bank of America they refused to answer the question, and this took 5 hours to resolve. The reason why it took 5 hours is because they were refusing to talk to me, stating that they could only speak to my husband who was put primary on the account. I am the one who opened the account not my husband, so I am not sure why he was put primary on the account in the first place. I feel that this is discriminatory towards woman, that the husband would automatically be put as primary, when I was the one who opened the account. I finally received a letter from Bank of America stating that I could have authorization to make decisions on the account that I opened, having been given permission from my husband. The letter was dated XX/XX/XXXX. Then it came the to the end of the payment cycle that was due XX/XX/XXXX and for a third time the autopayment was not made and I was charged a late fee and interest for a total of {$69.00}. This should not keep happening. I am signed up for autopay!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the lack of response from Experian regarding my previous dispute letters and to request immediate action in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX and TransUnion. 

As a consumer, I am entitled to a fair and prompt resolution when disputing charges or issues related to my account, as outlined by the Fair Credit Reporting Act ( FCRA ). Unfortunately, despite submitting multiple dispute letters, I have not received any acknowledgment, response, or resolution to my concerns from XXXX or TransUnion. This lack of response is a violation of both my rights under the FCRA and the regulations enforced by the CFPB. 

In accordance with the CFPBs recent legal action against Experian and TransUnion for failure to properly handle consumer disputes, I request that XXXX immediately investigate my dispute, correct any errors, and provide a response to my concerns within the timeframes required by law. I am requesting that you : Provide confirmation of receipt of this dispute letter. 
Investigate and resolve the dispute promptly. 
Send me a written response detailing the outcome of your investigation and any actions taken. 
Please consider this my formal notice of non-compliance with applicable consumer protection laws. If I do not receive a timely resolution to this matter, I will have no choice but to pursue further action, including filing a complaint with the CFPB and seeking legal recourse for any damages incurred as a result of this failure. 

I look forward to your prompt attention to this matter and expect to hear from you within the statutory time limits outlined in the FCRA. XXXX ) XXXX XXXX XXXX XXXX XXXX- Not my account fraudulent inquiry. 
XXXX ) XXXX XXXX XXXX XXXX Not my account fraudulent inquiry XXXX ) XXXX XXXX XX/XX/year> fraudulent inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 1 chase credit card with a balance of XXXX dollars. My credit report shows that I have a balance of XXXX dollars. I also have a debit card from chase and XXXX but they are fine ( 0 balance ). I need to know what these other cards are, and who put balances on them. I know for a fact that my passwords were leaked on the darknet. I dont know how.
Product: Credit reporting or other personal consumer reports

There are items on my credit that do not belong to me, I have filed an FTC report and sent to the three bureaus, some of these items are still reporting erroneously : XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX XXXX {$1800.00} XXXX XXXX- XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XXXXXXXX XXXX XXXXXXXX {$650.00} XXXX XXXX XXXXXXXX {$350.00} XXXX XXXX {$16000.00} XXXXXXXX XXXX XXXX XXXXXXXX {$2000.00} I am attaching my license and an FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXXXXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has sent me a letter saying I am wrong and I sent no backup information. I have sent it twice so instead of working with me.They crushed me on my credit rating. it dropped 137 points in one day and they have me paying late up to 60.days. I have already been turned down on a condo because of this and now I cant even get an apartment with them doing this. Theyhas trashed so many people 's lives look on XXXX, XXXX  which they are not approved. My life has been taken away from me from liars and theyhave been in trouble for this before.
Product: Debt collection

One day randomly checking my credit report and Ive noticed a {$70000.00} collection. It has nothing to do with me. Ive been a victim of identity test please remove this fraudulent account off my credit report as it is affecting my credit
Product: Credit reporting or other personal consumer reports

I request that these inquiries be removed. I have no knowledge of them, and the company acted without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that the incorrect information be removed from my credit report around a month or so ago and the incorrect information was not removed
Product: Student loan

In   XX/XX/XXXX , I  graduated from  XXXX  Universit y 's     XXXX   XXXX   XXXX   XXXX   I took out federal   XXXX   loans in an amount totaling roughly {$7 8000.00}. Beginning   XX/XX/XXXX ,  I started making income-based repayments. My loan was transferred to Navient. I have been making payments since then. My estimate i s 58 payments to date. However, Navient has only calculated 17 qualifying payments, and apparently only 10 on  XXXX  loan. This is a different of at least 41  payments.      I have also documented call times and who I 've spoken with at different stages in the process. Each step along the way, I would confirm my goal of PSLF, and continuously I was assured that a forbearance they recommended ( while locating paperwork they had lost, for example ) would not affect my qualifying payments. I was routinely given alternative facts and my account was mishandled. And 5 years into nonprofit work and making monthly payments, my student loan amount has only increased and my account only shows one and a half years of qualifying payments.     I 've done my best to record conversations after my account was continuously transferred to new loan servicers. Currently, I am told by   XXXX   XXXX   that I need to follow up with  Navient about disputing qualifying payments. But Navient  says they 're no longer my loan provider and is unavailable. Also, their number  XXXX  is not connecting today ,  XX/XX/XXXX  Please  advise. Thank you.