23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am XXXX  and have had my legal name changed over XXXX years. I started paying on my student loans in XXXX of XXXX and immediately uploaded the necessary documents requested by Edfinancial to have my name updated. It is XXXX of XXXX and they told me it would be changed in XXXX days. Its been XXXX  months now. My name is updated on all of my bank statements, social security card, etc. and Edfinancial is still issuing my loans to me under my birth name, which is also inaccurate for my credit reports and is starting to throw off my credit score. Please urge them to update my legal name especially since I have all the documentation to change my legal name uploaded.
Product: Credit reporting or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy.

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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears.

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. 

Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$27000.00}
Product: Student loan

I co signed on my daughters student loan some years ago. She stopped school and I encouraged her to realize the loan would become due and to setup a repayment plan. I went into bankruptcy in XXXX but continued my own student loan payments. I assumed she was taking care of hers. My attorney listed the debt and said it would be " taken care of '' ( all my own payments were on time ). I ended bankruptcy in XXXX XXXX and the case was soncluded XXXX XXXX. I found out the loan was in default via a phone call from the collection dept and this was XX/XX/XXXX. I verified my daughter knew and was unemployed. She would get back to them. XXXX XXXX XXXX the collection agency of wells fargo took {$3600.00}. from my account via a " written check ''. I called and they said they would give back some of the money {$1400.00} but it never happened. Wells fargo cant help me as they say its a separate department and they do what they want. Now I have a direct deposit and my tax refund coming. even though they say they wont take these it appears they lie because they promised my funds returned by Tues XX/XX/XXXX.. My income has been reduced by half. Im 6 years away from retirement and losing my vision so I do worry about how long ill be able to work. I need that money.
Product: Checking or savings account

There were unauthorized transactions done on my account that were not authorized nor done by me because I was in the hospital from XX/XX/2022 to the current date. My personal belongs were stolen during that time. I submitted supporting documentation showing this and they refused to look at the documentation and denied my claim. There were 3 claims created. 
{$1100.00} {$3500.00} {$400.00}
Product: Credit reporting, credit repair services, 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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 crime 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus dated XXXX to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including them again. 
Original Creditor : 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 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 have an issue with my loan servicer. My loan servicer was Great Lakes Borrowing for over 10 years, they transferred my loans to Nelnet without my consent. As a result of this switchover my credit score has dropped over 40 points as they've reported my account closed, wiping out over 10 years of history on this account. This seems extremely unjust as I've worked hard over a decade to build up my score and have never once missed a payment. Please tell me how this is fair to me as a borrower. I've reached out to them and they've told me " that's how it is ''. I demand some kind of action. 

FURTHER, they've deleted ALL of my payment history and now neither Nelnet nor Great Lakes have any information on my payments, for over a decade! Please urgently advise.
Product: Credit card

Synchrony Bank XXXX XXXX Subject : Disputing Synchrony Bank Credit Report Name : XXXX XXXX Phone # : XXXX Account # XXXX Dispute Details : During Covid XXXX of XXXX I made purchases with XXXX XXXX using their online store. We were assured that any changes required to the online purchases made, could be easily returned to any XXXX XXXX XXXX that was near our location. 
I made three purchases in XXXX and one in XXXX of XXXX. Because of the issues with purchase wrong XXXX, size, design etc, all the purchased items had to be returned, and I returned the items to XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, NJ XXXX ). Since all items purchased were returned it was expected that I would have a XXXX balance. 
In XX/XX/XXXX I got notification from Synchrony Bank that I had {$480.00} balance on my account which I must pay. 
I talked to the customer support on multiple occasions for resolution and cancellation of the charges, example calls were made on : XX/XX/XXXX from XXXX to XXXX, XXXX from XXXXXXXX XXXX ( I was put on hold for XXXX min ) and call was disconnected agin called from XXXX - XXXX XXXX [ Note all times are in US EST ) XXXX XX/XX/XXXX I called twice to resolve my charges ; XX/XX/XXXX I was explaining my case but my call was disconnected. The customer support staff often was confused regarding these purchases as every time I talked to them I got different response ; at one point of time I was informed that the refunds can only be processed by their billing department and I should contact them or go to XXXXXXXX XXXX for resolution as XXXX XXXX had moved over to XXXXXXXX XXXX ( XX/XX/XXXX ) they have nothing to do with my account. Point to be noted is that I do not have any account with XXXXXXXX XXXX XXXX as the only account I had with XXXX XXXX was maintained and finally closed by Synchrony Bank. It is also important to note that my original pending amount was never disclosed to except when I was forced to make the full and final payment.. 

After spending so much time and effort I finally gave up as it was clear that Synchrony Bank was not going to resolve my issue. The result of all of this is interaction with Synchrony bank is- a> The original pending amount of {$190.00} was inflated to {$650.00} by adding interests and late fee. 
b> The constant harassment thru emails and inflation of my charges thru interests and late fee, which I was forced to pay. 
c> Most of all Synchrony bank was successful in destroying my credit score from near perfect to a lower value. 

In my entire tenure spanning more than 28 years a person who has always paid his credit charges in full, never missed a payment, it feels that the actions taken try Synchrony bank are not only unethical but XXXX and XXXX  in their tendencies. 

As an individual that does not hold any say in this matter - I request that my issue should be looked into sincerely, look at my credit history of past 28 years and then decide actions of Synchrony Bank are justified or not.
Product: Debt collection

Servicer is maintaining a foreclosure wherein its predecessor servicing company prematurely appointed substitute trustees XXXX XXXX and XXXX XXXX as trustees to bring a foreclosure action. Once appointed, XXXX XXXX nor XXXX XXXX notified me in writing that I owed the creditor money and neither notified me in writing that I had the right to dispute the debt, and never noticed me or my spouse that they petitioned the court for a foreclosure. The immediate day after being appointed substitute trustee, an attorney by the name of XXXX XXXX filed a petition to the XXXX XXXX XXXX XXXX XXXX XXXX for foreclosure for either XXXX XXXX or XXXX XXXX, but the petition does not clarify which alleged substitute trustee that Counsel XXXX was seeking foreclosure. Neither XXXX XXXX or XXXX XXXX petitioned the court individually or jointly seeking foreclosure on behalf of the alleged creditor. Neither alleged substitute trustee filed any documents in the court pertaining to the foreclosure until XXXX XXXX, 2011 and that sole filing was a notice of sale. It is an undisputed fact based on the court record that XXXX XXXX nor XXXX XXXX provided proper notices required under FDCPA and XXXX prior to XXXX XXXX filing his notice of sale, which was his first point of contact with the myself or my wife. To date, even knowing of the blatant violation of FDCPA law, the servicer is still attempting to sale the property despite the defects in the foreclosure process. The absolute only time that either XXXX XXXX or XXXX XXXX appeared in the matter, or noticed us of anything was when XXXX XXXX filed his notice of sale. There are upwards of XXXX defects in the foreclosure process that Ocwen is and has continued to ignore. We ask that Ocwen provides information to support that its substitute trustees XXXX XXXX and or XXXX XXXX has ever contacted us before XXXX XXXX filed his notice of sale. These defects deprived us of our right to put on a defense.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to formally dispute certain information on my credit report generated by your agency, which I believe to be inaccurate. Despite my previous attempts to rectify these discrepancies, the issues have not been resolved satisfactorily. 

I was alarmed to learn that the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX for allegedly failing to uphold its responsibilities in maintaining accurate credit reporting. This ongoing issue underscores the importance of diligent credit reporting practices and the need for consumers like myself to receive fair treatment. 

The specific inaccuracies I would like to address are as follows : 1. XXXX  OR XXXX 2. AFFIRMS BOTH ACCOUNTS DOESNT BELONG TO MY CLIENT AND YOU HAVE 2 weeks to verified and send me proof or will be a lawsuit against both parties and XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you investigate these discrepancies promptly. I have attached relevant documents and evidence supporting my claim, which should assist you in your review. 

Please confirm receipt of this letter and provide me with an update on the status of my disputes. I expect that these matters will be resolved in a timely manner, in compliance with applicable laws and regulations. Thank you for addressing this urgent issue. 

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

In accordance with the fair credit act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc1681. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 XXXXXXXX, XXXXXXXX XXXX XXXX XXXX, Has Violated My Rights. 
15 u.s.c. 1681 section 602A states I have the right to privacy.

15 u.s.c. 1681 section 604 a section 2 : it also states that a consumer reporting agency can not furrnish a account without my written instruction.

15 U.S.C. 1681c. ( A ) ( 5 ) section 5 no consumer reporting agency may not make any consumer report containing any of the follwing items of information.any other adverse item of information other then records of convictions of crimes which adtedates the report by more then 7 years. 
15 u.s.c. 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer related agency if the person knows or has reasonable cause to believe that the information is incorrect.
Product: Credit reporting or other personal consumer reports

XXXX sold my account to XXXX, we had an agreement to settle and delete off my credit report. I have proof with the emails from XXXX, they are attached. Please delete off all of my credit reports. This is not okay, I am trying to purchase a home and they are hindering me from doing so. We had an agreement and they are breaking this by not deleting XXXX collection account off my credit reports.
Product: Credit reporting or other personal consumer reports

15 U.S. C CODE1681 ( b ) and 1681c-2 I never gave a written consent to report accounts that are identity theft. 

I have asked for Method of Verification or signed documents with my signature on it from all credit XXXX, XXXX and Experian after the dispute results stated that the account verified it belong to me. They have failed to show verification. 

I have attached my FTC report stating these accounts were open by fraud and made a police report as well.
Product: Checking or savings account

I have two open fraud cases here against capital one. They are clearly guilty and now passively threatening to close my account due to funds they illegally withdrew. I have a PIN number restriction on my account to stop it from going under XXXX. 


They are attacking the victim while putting off the resolution. 

They ha e hacked my phone to steal the screenshots I already sent copies of as well. 

Arrest them
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX  XXXX bankruptcy dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Bankruptcy XXXX  XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Bankruptcy XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

An authorized user on my corporate credit card account - XXXX XXXX XXXX - filed for bankruptcy several months ago. I was never advised that I should removed her as a co-signor from my banking and business accounts nor to terminate her authorized credit card- it is illegal to involve an outside party/business ( me ) in such bankruptcy case. 

While illegal to penalize others ( me ) for such a bankruptcy filing, Citibank nonetheless advised me that all my accounts that are associated with XXXX are being closed, as well as my corporate credit card. They forced me to move my various accounts/funds to another bank and to restructure my corporate finances. 

Citi offered no support, no consideration, no discussion, nothing- just told me to 'go away ' despite XXXX years of active banking with them. 

As a result of Citi 's illegal action against me, my impeccable credit score was dropped to current XXXX, which left me unable to obtain a replacement credit card. I have denial letters from XXXX other banks, if needed as proof. 

I want this corrected, immediately : restore my credit score and reissue a new credit card without triggering another hard inquiry with the credit companies= another denial. 
Attached are : XXXX. Citi 's notice of credit card termination ; XXXX. XXXX credit report clearly showing XXXX XXXXXXXX XXXX XXXX as the reason for MY collapsed credit score + my proof of current XXXX score because of it ; 3. My PACER case locator proving that I am NOT in bankruptcy. 

Thank you and I anxiously await your assistance for an immediate resolution.
Product: Credit reporting or other personal consumer reports

Transunion does not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


As a consumer, I am demanding a deletion of the following inquiries 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: Debt collection

Capital one is inaccuratce on my XXXX  and XXXX  there's no late payments no credit history but yet I still ow XXXX I disputed the inaccuratcy but nothing was done it's still on my report
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 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 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: Money transfer, virtual currency, or money service

XXXX paid to through Paypal. Both vendors are in XXXX and advertised to be in the United States when products were being purchased. I did not receive what I purchased. Paypal has allowed this behavior. I am out of my money and the product.
Product: Credit reporting, credit repair services, or other personal consumer reports

The vehicle was paid off attached is a copy of the paid off letter that they sent me. I need it removed from my credit report.
Product: Mortgage

Please accept this as a Qualified Written Request for copies of any and all Trust Instruments related to XXXX   XXXX XXXX XXXX, Section 1 having a street address of XXXX XXXX XXXX XXXX, XXXX, NC XXXX and effective XX/XX/XXXX - XX/XX/XXXX. For purposes of this Qualified Written Request, the request trust documents are defined under N.C.G.S. 36C-1-103 ( 21 ) Trust instrument. - An instrument executed by the settlor that contains terms of the trust, including any amendments to the instrument, and any modifications permitted by court order. Thank you - XXXX XXXX XXXX XXXX.