23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XX/XX/XXXX I received a XXXX Unsubsidized loan for {$3500.00} for XXXX. Since that time, I have heard nothing from my loan servicers ( XXXX XXXX initially, and Navient ). In XX/XX/XXXX, I was sent a single email telling me that my loan was being transitioned from XXXX XXXX to Navient and that nothing needed to be done because " we will get back to you at a later date ''. That was the only email I received regarding my loan. In XX/XX/XXXX, I received a single email from Navient which was an advertisement for a different service they offered ; again, nothing about my loan. 
Now, 10 years later, I am graduating from XXXX school and undergoing mandatory loan counseling and see that my loan of XXXX has become XXXX. Upon contacting Navient, I learned that I was charged multiple late fees ( I was never informed that I had any payments due at any time since I was in XXXX school so loans were deferred ). They also claim that they had emailed me ( they had n't, I did an extensive search of my only email address ) and then changed their statement and claimed that loan servicers do not contact individuals whose loans are deferred. I have a different loan servicer for my graduate loans and have routinely received both mail and email updates regarding my current balance, so I know this is inaccurate. they were also unable to give me a reason as to why I was being charged late fees if I had never been contacted ( per their own company policy about deferred loans ). Ten years later, and I 'm being forced to pay double for something that I could 've EASILY paid off if I had been notified regularly.
Product: Credit card or prepaid card

I called to pay my account in full in XXXX of this year. I made the payment with a representative over the phone and specified it was to be paid in full. I was charged a late fee after paying everything in full which has no accrued late fees and interest. I tried to call on XX/XX/2023 to resolve the situation. I dialed the phone listed on the bill and when I choose 0 for representative it stated the call could not be completed as dialed.
Product: Credit reporting or other personal consumer reports

I recently discovered that the above-named company is furnishing false and misleading information to my credit report. I do not know how the company obtained my private non-public personal information. However, the false and misleading information does not relate to me and is a result of Identity Theft.
Product: Credit card or prepaid card

Someone stole my sons shell card number There were numerous unauthorized charges on my statement. When I called and reported the person I spoke to said that it was being reported and closed my account and upgraded me. After no resolutions I called back as well as emailed and was told my card was closed as an upgrade and not as a security measure. The charges have been deemed fraudulent however they can not credit the account because it has been closed. They did however move those charges to the new card but no one seems to be able to figure out how to credit me. The balance left on this account is equivalent to the fraudulent charges and 2 months interest. I reported this back on XX/XX/2020. The amount is XXXX. I am stressed about this matter as I always pay my card in full. I have spoken to numerous representatives on this matter with each promising a resolution. Please help
Product: Credit reporting or other personal consumer reports

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXX using a XXXX party. I have attached my ID and letters to this complaint for your review
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Follow up on Complaint Number XXXX.filed XX/XX/2021 concerning deposit from PayPal that was never deposited into my account.

PayPal has not responded to any of my latest inquiries concerning a missing deposit of {$970.00} of XX/XX/2021 that they have only stated that the lost deposit is " under investigation ''. 

XX/XX/2021 PayPal listed a deposit to my business account for {$970.00} but then immediately " reversed '' the deposit. 
After many calls to PayPal concerning the deposit that never cleared my bank account, PayPal initiated a " provisional deposit '' of {$970.00} to my account on XX/XX/2021. 
On XX/XX/2021 PayPal withdrew the " provisional deposit '' of {$970.00} from my account on XX/XX/2021 and continued to claim the the missing deposit continued to be " under review ''. 

As of this date ( XXXX ) I have not received this missing deposit of {$970.00} in my account. 

PayPal has not responded to any recent inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Lexis Nexis and XXXX several times. Neither company respected the consumer laws when it comes to my privacy, reporting to me with having full disclosure now according to the FCRA under 15 USC 1681 ( a ) ( 4 ) infringed upon the right to consumer privacy. I never gave Lexis Nexis to report or house any information on me XXXX is violating my consumer rights by proper not investigating my consumer report correctly. stated in 15 USC 1681a-e The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
every consumer reporting agency shall upon request and subject to 1681 h ( a ) 1 of this title clearly and accurately disclose to the consumer. Both companies in several violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Iam writing to dispute the accuracy of the information on my credit report. I recently obtained a copy of my credit report and found that there are several inquiries that I did not authorize. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 2 ), I am requesting that these unauthorized inquiries be removed from my credit report.

The following inquiries were made without my consent and are therefore in violation of FCRA Section 604 ( b ) ( 2 ) ( C ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX - XX/XX/XXXX XXXX - XXXX XXXX - XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Furthermore, I would like to inform you that I never gave written consent to any of the furnishers listed above to access my credit report. This is in violation of FCRA Section 604 ( b ) ( 2 ) ( A ) ( i ), which requires furnishers to obtain written consent from the consumer before accessing their credit report. 

I believe that these inquiries were made without my permission due to identity theft
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1100.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

My Lender refuses to sign and send my vendor payment for the insurance work completed. My Lender did an inspection and closed out the file but my Vendor still has not been paid or received the check. My XXXX XXXX maid it out to the XXXX and that's why its been such a process. The work was done over a year ago and my Lender still wont hand over the money my XXXX XXXX paid for. I don't know what else to do. My Vendor of course is threatening to file a Lien on my house and this isn't my fault. I don't know what else to do. They got in the way and have sat on the check now for months. They did their inspection ( the Lender ) and they said they were good. Now they want to to sign something to avoid Lien costs but the Lien is because they are sitting on the check. What do I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following addresses I have not lived at Former Address 1 XXXX XXXX XXXX XXXX   XXXX, GA XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address 4 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address 5 XXXX XXXX XXXX XXXX XXXX, GA XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address 6 XXXX XXXX XXXX XXXX XXXX, OH XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS NEVER LATE ON MY ACCOUNTS LISTED
Product: Debt collection

I opened a auto loan with XXXX in XXXX, I called in XXXX and talked to a representative trying to settle the debt. I asked for a copy of the contract to be sent to my current location in which I never received. Also, I was told that they couldn't locate my account. Under the FCRA sharing my information without my authorization violates my right to privacy. Now it is unclear who I owe for the debt that's reporting on my credit report.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to the lagged posting of charges and credits. This issue aligns with the recent CCPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds.I believe these practices are unfair and request an investigation into my account transactions.
Product: Bank account or service

I opened an saving account with Capital 360 online. In the bank 's advisement, it says there will be {$100.00} bonus if I deposit new money {$10000.00} for 3 Months. I deposited {$10000.00} on XXXX XXXX 2015, but did n't see the bonus right now. I would like band give me the {$100.00} bonus with promised in advertisement. 
Thanks, XXXX XXXX
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. XXXX and Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report. Please correct the status of the account below : XXXX XXXX XXXX XXXX Balance : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 experian contacted me and said their dispute bankruptcy remains. But this is a serious violation Experian is suppose to report accurate consumer information but they don't follow the laws they are reporting a bankruptcy that is not mine they claim that they verify this information through XXXX I've spoken to XXXX and this information was not in there system I even have the investigation report from XXXX that I sent to Experian but yet they refuse to remove this information.Experian is in Violation 15 U.S. Code 168a, The law states in 15 U.S. Code 168a under Exclusions : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.Experian is also in violation of Violation of FCRA 15 U.S Code 1681b 2, They did not have permissible purpose to furnish this inaccurate information A consumer has a right to privacy there is no public record on XXXX nor XXXX Credit Bureaus plus the information is false.
Product: Prepaid card

The company was not my choice at all it was Bamk of america prepaid card for unemployment insurance. The amounts where XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX it always occurred on pay day after taking out cash for my bills since I don't need or like to carry alot of cash on me in case if I loose it but in this case I was being careful with my finances since I got unemployed XXXX XXXX so I had to get some credit cards maxed out and had no choice to let the go to collection the worst was having no way to lay the agreed payment plan with the court on 2 traffic tickets I had gotten and that suspended my license until I was able to pay it back and till this day I just sold my XXXX XXXX XXXX to buy an electric scooter so I can at least have some time of transportation to the new XXXX  at XXXX XXXX. I recently did receive a XXXX $ XXXX CHECK from BOA prepaid department after they are canceled and that XXXX XXXX is the new unemployment issue and I have had no typed of frauds or any issue with that new company I'm glad that Bank of america lost the contract to the California unemployment insurance or something but I and ithe customers have XXXX petty on them and that department since they proofed to me twice they do not XXXX  about who was getting scammed since the photos that they sent to me from the atm that they used to withdrawal my unemployment payments monthly 2 weeks will be cool and the other weeks for the last of the month I will always get cleared out to XXXX and I suspected it was a roommate but bank of america fraud department sent me 2 photos of a XXXX male and female and another of me and said I was responsible for what has happened to me since I admitted I used the atm to withdraw my cash for bills and when j was at a store or in a date I would get my card declined and will go through so much mental stress and even contemplated committing XXXX because those events led me to touch rock bottom for the first time ever in my life because I've never been broke and I could not even explain to my dates I wasn't able to pay them back because they investigated supposedly and assumed I was a female and a XXXX XXXX XXXX male when I'm XXXX now looking XXXX. To make matters worst I still have all the letters that they rejected my claims on and had different people be the ones to withdraw cash i even showed my roommates to see if I was going crazy and they all admitted that 1 I was nit a woman and 2 the male was to old and XXXX to be me and despite sending them my ID and photos of my XXXX they declined it because I had my father 's adress instead of the adress I was using when I had to go live XXXX  with a roommate since I got XXXX  for always making excuses
Product: Credit card

Bank of America debited my checking account three times for the same credit card balance payoff I was trying to make on XX/XX/year> without notifying me that they had done so. Consequently, they have refused to refund my money, more than {$15000.00}, claiming it can take up to 10 days to review. My checking account has been negatively impacted by this actiion, and I have been unable to pay personal bills that are due. There is no reason whatsoever that my overpayment should not be refunded immediately.
Product: Money transfer, virtual currency, or money service

I attempt to cash draft check at PNC BANK OF XXXX NC  from a company related with progressive info from a third party for the amount of $ XXXX on around XXXX XXXX. The first attempt the scan check and had cash on the desk as if the check was good for cash. Then they ask questions and declined to cash it. Even made a copy of check. The check was in my name and I got it from someone who's wife drafted up the check written in Alabama from XXXX XXXX XXXX 

The 2nd time I tried to cash the check they ask me to had them the check and envelope because the check wasn't list on banking information for cashing. I could see check resembling my name and check on the computer screen from about 8 ft away. The banker may had cash the check and deleted the information wrongfully. I had an CSID.com to call them and they had no information about my check. 

I think PNC BANK OF XXXX NC is fraudulent customers of check cash and maybe embezzling people checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am experiencing serious issues with Experian. They have not allowed a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX  check time obtain rental history verification. XXXX XXXX XXXXXXXX XXXX phone number is XXXX. The application # is XXXX. The harassment from several Apartment rental companies is on going. XXXX XXXX is another agency that has information on their files under my name to prevent me from being able to rent property. This leasing company received this information from XXXX XXXX with XXXX XXXX  in XXXX VA. XXXX XXXX is the most racist person I have ever come in contact with besides the XXXX and XXXX XXXX XXXX XXXX I am and have experience many forms of harassment from the police since while living here in XXXX and XXXX XXXX VA. There goal has always been to keep me from jobs, employment, and speaking out against the wrong that they practice against me daily. My complaint is for now against XXXX XXXX and Experian. XXXX XXXX  information is not accurate because I have paid all I owe to XXXX XXXX. I was involved in a car accident that left me injured and I needed physical therapy. I was unable to work. I explained myself to the leasing consultant. I did receive a settlement from my attorneys and paid all that was owed. Experian is refusing to update fraud alert on credit report and or file. In order for me to have a place to live the company has to verify my Rental History. Please assist with this. Thank you. 

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

Late payments on XXXX  accounts were previously disputed on XXXX accounts. XXXX accounts are still reporting late in my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am reaching out to revisit the matter of unauthorized hard inquiries present on my credit report, which I previously disputed. Despite my initial communication, I have yet to receive any acknowledgment or confirmation regarding the removal of these inquiries from my credit profile. My concern persists regarding the inclusion of unidentified information in my report, and I find it necessary to reiterate the seriousness of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX , XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX OF XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX , XXXX , XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, TRANS UNION XXXX XXXX, XXXX XXXXY XXXX, XXXX, XXXX XXXX.