23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient added {$700.00} to each loan original amount and plus increased my interest rate on a couple of loan to 10.25 %. Payments have not been calculated accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I reach out for a debt validation letter and a proper investigation, I get a letter back stating that its verified with no proof that the debt was validation or anything. They Threaten me with a potential legal actions and initiating debt collection lawsuits without offering or possessing required documentation : XXXX XXXX XXXX Amounts. {$1000.00}, {$530.00}, {$2100.00}, {$900.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX XXXX keep messing up my credit report. They keep launching a investigation every 30 days on the same problem. For 2 months now we have disputed incorrect information regarding XXXX XXXX XXXX XXXX. The account and car was charged off over 3 years ago. And we have already been through this process with XXXX XXXX and even had the CFPB involved years ago.As they violated collection practices. And they continue to report inaccurate information. At first it was a XXXX $ balance as it should be. But they kept reporting late payments for over 3 years after the charge off. Now they went back and fixed the late payments report. But now they say are reporting a balance of XXXX $ on the report. They keep making us wait 30days and its the same account. It has been close to 60 days since this was first reported. And It has been over 30 days. Equifax call center is in the a different country and we ca n't get anywhere with them. This XXXX XXXX needs to report XXXX $ balance and no late payments for the last 3 years since charged off. It is hurting the credit and we have enough
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX  California XXXX Federal Tax Lien IRS # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX promised to remove the account after being satisfied since the account had been open sinceXX/XX/XXXX. I contacted Experian and they continued telling me it was verified but they key it as Key Derogatory instead of removing it.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

TransUnion has absolutely disregarded the content of the letters I sent them, and has failed to meet my needs in terms of verification of the results of the dispute I submitted. On XX/XX/2023, I received a letter from TransUnion that they had verified the account I was disputing as accurate. Immediately, I sent a new letter to them, following every letter of the FCRA, requesting proof of verifying this account. They have failed to provide me with the information I requested them that I am entitled to have under the FCRA law. Specifically, I asked them the following information to be provided to me for an account that they claimed " creditors verified as accurate '' : 1. How the information was verified ( who did the representative from TransUnion speak with to obtain this information, or in which method was it obtained electronically ), 2. The information that pertains to the verifying party ( their name, phone number, email address, company identifier number ), 3. The exact piece of documentation that the verifying party provided to verify the alleged account ( s ) TransUnion has not only failed to provide this information to me, but has also failed to follow the FCRA guidelines that state the following : If there is any missing information from each individual request, it should be considered incomplete and the accounts should be removed from my credit report similar to how the other two credit bureaus have done. TransUnion really has no regard for the law, and is a lawless entity that will not honor my request under the law. This is my last reserve before I send a lawsuit to them for their misdeeds and for defaming my character. Attached are the documents I sent them requesting for proof of their verification of this account.
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.

Account Name : XXXX XXXX has violated my rights. 
Account Number : XXXX Account Name : XXXX XXXX has violated my rights. 
Account Number : XXXX Account Name : XXXX XXXX has violated my rights. 
Account Number:XXXX 15 U.S.C 1681 section 602 A - The section that affirms my right to privacy and confidentiality.

15 U.S.C. 1681 section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing the following information items. 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 accurate.
Product: Debt collection

I previously made a complaint about this company putting this debt on my credit report as a result of identity theft. I am requesting that a investigation be done and how and proof. The company responded to my first request but only to say that the email and phone numbers matched. That only proves that someone stole my identity. I am demanding a proper investigation and removal of this account from my report as it is damaging my name.
Product: Student loan

To whom it may concern, I have been enrolled at XXXX  University at the XXXX XXXX XXXX for approximately a year in their XXXX XXXX XXXX XXXX. I would have been done with my classes in XX/XX/2019. At our first day of the summer session we got told about our campus closing.Not only have the students not been told anything or guided in a direction to help them succeed, but the faculty has also been left in the dark. Some of them not even knowing when their last day will be or if they will get paid a severance. We were told that XXXX  University did not file bankruptcy but got a letter in the mail stating that XXXX did. Our biggest concerns are that some students are 20,000-30,000 dollars in debt now due to the classes we have taken at XXXX , but most of them won't transfer to other colleges. We don't want to be in debt and have to transfer and get in bigger debt retaking the classes that we have already taken because they won't transfer. We don't know what we need to do to get our loans forgiven or see what our next step is. We are hoping that filing this complaint will give us some direction on what we need to do to get our loans forgiven. 

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

XXXX is in violation of California 's Unfair Competition Law and False Advertising Law by putting my loans in costly forbearance and failing to let me know the benefits of an income driven repayment plan. I am one of the XXXX borrowers that must have their loans XXXX, removed, and deleted from all of my credit reports. XXXX, Experian, and XXXX is indirectly in VIOLATION of the California 's Unfair Competition Law and False Advertising Law because they are allowing XXXX to put report information that must be removed due to the settlement. 

I want Experian, XXXX, and XXXX to BLOCK all XXXX accounts IMMEDIATELY so it does not report on my credit report until the investigation is complete. Before the investigation, I want this account removed completely, if you cant delete before the investigation then delete it after 15 days from today or no more than 24 hours after the investigation is complete. 


XXXX XXXX
Product: Mortgage

I am working with Freedom Mortgage ( Corp NMLS # XXXX ) on a refinance which started last month XX/XX/2019, and was supposed to close XX/XX/2019. Today is XX/XX/2019 and we have not closed. 

Freedom Mortgage will not respond to my requests as to why the loan hasnt closed. They have claimed that the loan is in condo review, but my commercial insurance company that insures the HOA ( that I own ) has sent them all of the disclosures, policy info, and questionnaires they have requested. I have also sent them all of my private home owners insurance info. 

It appears they have just decided they dont want to close the loan and are discriminating against me. I am not sure why as they wont indicate anything to me and will not return my requests for a status update. 

The rate lock we have is going to expire and I am not sure if I need to make my payment this month. 

I have No indication of the status and whether they Intend to close the loan or not. They wont communicate what is happening.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my NAVY FCU XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Product: Credit reporting or other personal consumer reports

I have attached a file in regard to my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding the inaccurate information on my credit report, which I previously brought to the attention of TransUnion on XX/XX/XXXX. However, to date, I have not received any response from them. I kindly request your assistance in addressing this matter. 

Below, I have provided the details of the inaccurate information on my credit report, along with the required corrections : Inaccurate Account Information Company Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} Request : This account was never late. Please correct this inaccurate information on my credit report. 


Inaccurate Account Information Company Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Request : This account was never late. Please correct this inaccurate information on my credit report. 


Inaccurate Account Information Company Name : XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00} Request : The reported balance of {$7300.00} is higher than the balance I remember. Additionally, as this account is closed, the past due amount should not be provided. I intend to address this misleading data with the creditor directly. In the meantime, please mark this account as disputed while I work towards finding a resolution. 


Inaccurate Account Information Company Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$42000.00} Request : The reported balance of {$42000.00} is higher than the amount I recall. Furthermore, as this account is closed and charged-off, the past due section should be removed. I plan to discuss this matter with the creditor to clarify the reported data. Please mark this account as disputed until the appropriate corrections are made.
Product: Debt collection

I pulled a copy of my   credit profile through  XXXX  and saw that a collection account regarding account #  XXXX  and   XXXX   which ARS Account Resolution claim I owe {$1300.00}. This is not my debt. I sent a certified letter to company which returned back to as " unable to deliver. '' I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and   XXXX   ) fr  om your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [  15 USC 1962e  ] ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
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 Accounts has violated my rights. 

( XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX A -Original Creditor- ( XXXX. ) XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency furnish an account without my written instructions.
Product: Credit card

I never opened an account at XXXX XXXX nor do I ever shop there. I am XXXX XXXX XXXX and have no use for anything there. I have never stepped foot in the stores or have a need for their products! This is fraud, I guarantee nothing matches my signature and the amount on the card is well over the approved credit limit which proves to me its fraud or someone was stupid in allowing more purchases of which I made none! I will fight this and will not pay a XXXX toward this. It is absolute fraud, period!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, TransUnion and XXXX. 

XXXX account # XXXX According to the FCRA 15USC 1681B Permissible purpose- The XXXX ChargeOff account is inaccurate and is in violation of my rights and defamation of my character. 

On XXXX XXXX I mailed out letter for verification of the negative XXXX XXXX that is being placed on my credit report. ( see attachment letter ) I mailed it certified ( see attached receipt ) using the address on my credit report. XXXX NEVER responded to my letter within or pass the 30 day mark. They also never updated my account with them after receiving the my written letter. The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and creditors that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. 

This account was not validated and because of that I DEMAND that this inaccurate account be removed off my credit file ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was leaked by Equifax through a hack. After checking on their provided website to see if I was affected, it showed that my information had been compromised. I understand they are also a victim in this hack, but nevertheless, their responsibility is still large.
Product: Credit reporting, credit repair services, or other personal consumer reports

Aldous is reporting a fraudulent account on my credit. I have filed disputes with the company and the three major bureaus and yet they persist to report account. This account is complete fraud and I shouldnt be held liable for it. Please see my FTC report attached below.
Product: Checking or savings account

On XX/XX/2021 I had got hacked through my checking account and was hacked for {$4500.00} and {$5000.00} XXXX submitted a fraud to Wells Fargo which they denied me to pay me back then I did the escalated claim and they still denied pay me back even though it was not my fault this is ridiculous and should not be stand for. Wells Fargo has the little to help they seem they dont care at all.
Product: Credit card

I received notice from XXXX XXXX that the account was verified/ I never authorized jet blue credit card I need that removed 15 U.S. Code 1692
Product: Checking or savings account

Filed a claim on XX/XX/XXXX, same day as the transaction appeared on my acct, they provided a temporarily crdit, XX/XX/XXXX they pulled the money out of my acct with no notification or a letter saying they denied the claim, was not aware of anything at all. Had to check my acct 2 weeks later and noticed that my money was gone, called the company and said that there was not an urgency in filing the claim, which I filed it the same day. No one emailed me or call me in regards to a suspicious transaction, I faxed them a letter stating everything again to re-open the case and to get my money back, been with chase bank for years and never got an issue like this. Just trying to get it resolve as soonest possible. Faxed them the letter last Friday XX/XX/XXXX19 to reopen the case. they have my address so the concern of them not sending me the claim letter to notify me, just pulling my money and never send an alert for transactions got me mad, because it was set up to notify me for transactions over {$150.00} how I had it before and I didnt, the ammt was over {$2000.00}
Product: Debt collection

I have a police report as my identity was stolen in XXXX and I was affected by the XXXX XXXX data breach. I have residential leases ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), evictions in XXXX XXXXXXXX XXXX , credit cards , personal loans, and addresses on my credit report that do not belong to me and were made without my consent. I have collections and debt from XXXX - XXXX from this identify theft situation. I also have a FTC report stating a more detailed version of this incident. I have contacted the agencies involved and disputed items on all 3 main bureaus. Some of the accounts are joint and I know for a fact that they are not involved because their identify was also stolen as well with mine. I do not know the person that broke into my vehicle to gain access to our personal information as several people were affected ( they broke into several cars in the area ) and also my emails, social security number, and personal information were affected and compromised by data breach. Our security cards, driver 's license, my passport, mail, purse, wallet, and personal devices were all stolen in the break in.