23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Over the course of my loan I have been offered forbearance many times, and pseudo forced into it in others by Navient. My overall loan amount has not risen ; but, the total amount has not changed since 2008 because the the interest. There has even been a time recently where I attempted to lower my student loan payment and as I discussed the possibility with a customer service agent, they explained that even though they could lower my payment, the payment amount would rise at a later date. And that amount would actually be higher than the original amount I was trying to lower. After hearing that, I decided not to lower the amount and relayed that to the customer service agent. Ultimately, they proceeded with the agreement without me agreeing. So at some point in the near future my payment will rise. Which will be the perfect opportunity to offer another forbearance.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I found out I had a Chase Checking bank account. No one ever sent me a email or have me any conformation number or request of me making the statement to them
Product: Vehicle loan or lease

I have a leased Acura 2020ILx that has been with the dealership auto repair unit since XX/XX/XXXX. The car was due back mid XXXX on account of a back ordered part. I had to escalate ( through corporate customer relations ) obtaining the part and the part finally arrived at the dealership on XX/XX/XXXX. I am hoping to get part of my lease payments refunded as I was not accommodated by Acura in way of a loaner, reimbursed for additional out of pocket payments and kept endlessly hanging till I escalated the complaint process within the company. 
I want you to be aware that customers that lease vehicles are trapped and bound to their contracts with auto companies. All repairs need to take place at the dealership with certified parts. In the eventuality of unforeseen issues like supply chain breakdowns exacerbated by Covid, customers are left hanging, waiting on unreasonable delays, exceeding 180 days, while companies do nothing to accommodate financial impact on consumers. Please do let me know what recourse I have.
Product: Money transfer, virtual currency, or money service

No appear at docket CFPB, ORDER : CFPB CLOSED all account bank OF all defendants REASON : MY docket at CFPB defendants fail answer It is seem Contempt, fraud from all defendants unite Violate
Product: Credit reporting

I had a credit card account with XXXX XXXX I could not pay in full. I reached an agreement with them last year for a partial payment which was made then they closed my account. However Experian refuses to correctly report this account even though I have notified them of the error three times. They are still listing it as charged off in XXXX, XXXX, not XXXX as should be. Also they have the charge off amount incorrectly stated as {$5500.00}, when it is actually only {$2200.00}. 
I have explained this to Experian in detail with documentation and the settlement agreement. They still refuse to correctly report this account.
Product: Money transfer, virtual currency, or money service

I received a 1099 form from Square , Inc. for XXXX loan or something. I did not do this. 
I did not use this business, I did not receive the money, I did not apply to this business. 

I have tried to contact them, but no success, I have sent two emails to the organization to get information on this issue, I can not get a human person. I do not have an account anywhere. This is fraud, someone used my SS number and I can't access any thing regarding this account.
Product: Credit reporting or other personal consumer reports

Experian offered a trial period membership in which you can obtain a credit report from all three agencies. When I attempted to cancel this trial membership by logging in on Experian 's website, they did not give me access to my account settings, and required me to update my payment information before gaining access to a " benefit '' called " subscription cancellation ''. 

This is a predatory business practice. Offering a free trial and the blocking the user from cancelling the trial until they provide payment is despicable, and not something I have encountered with any other company. It seems Experian is aggressively abusing their position as a " big XXXX '' credit bureau in order to extract money from those they monitor. 

Also - For folks at the CFPB. I am joining others in protesting what elon musk is doing to your organization. I am a former residential loan XXXX and I know the work you folks do is paramount to protecting citizens from fraud and abuse. We will not go silently while XXXX XXXX trashes your hard work. We are fighting back.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, have encountered multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ), and I am seeking immediate resolution. These violations have caused significant harm to my credit report and consumer rights. 

First, I discovered that several of my credit reports contain inaccurate information and unverified debts that were reported by various debt XXXX. According to 15 U.S. Code 1681c, credit information must be accurate, and I have requested that these errors be corrected. Under 15 U.S. Code 1692g, I requested validation of debts for accounts listed on my credit report, such as those from XXXX XXXX  XXXX, XXXX XXXX XXXX, and others. These debt XXXX have not provided the necessary proof of these debts, including original contracts or signed agreements, and therefore, I expect them to be removed from my report. If they fail to provide proof as required under the law, civil liability XXXX apply, with penalties of up to {$1000.00} per violation under FCRA Section 616. 

Additionally, I found unauthorized hard inquiries made on my credit report, including XXXX from Bank XXXX XXXX on XX/XX/XXXX and another from XXXX XXXX on XX/XX/XXXX. These inquiries were made without my consent, which violates 15 U.S. Code 1681b ( a ) ( 2 ) regarding permissible purposes for credit report inquiries. I have requested these unauthorized inquiries be deleted immediately. 

I also found discrepancies related to late payments and finance charges. Under FCRA Section 623 ( a ) ( 3 ), the information reported must be accurate, and I have asked that the incorrect payment history on my account with XXXX be updated to reflect that the account was paid as agreed and was never late. 

Furthermore, debt XXXX have violated the Fair Debt Collection Practices Act ( FDCPA ) by reporting inaccurate debts and contacting third parties with my personal information without my consent. This is unlawful, and I demand that they cease these unfair practices immediately. 

Finally, I was not informed about my right to opt-out of sharing my personal information as required by FCRA Section 603 ( d ) ( 2 ) ( A ). This omission is a violation of my rights as a consumer. 

In summary, I have identified numerous violations related to inaccurate debt reporting, unauthorized inquiries, failure to disclose my rights, and unfair debt collection practices. I am requesting immediate corrections and validation of the disputed information, or the removal of these items from my credit report. If these issues are not resolved promptly, I will pursue legal action, as provided under the Fair Credit Reporting Act and other relevant laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureaus Equifax, XXXX, XXXX are reporting incorrect information on my credit report such as names my social i have a social security number on my credit report that doesn't belong to me reporting fraud accounts I need accounts that do not belong to me remove and deleted XXXX XXXX XXXX # STARTING XXXX XXXX DOES NOT BE LONG THE SAME ACCOUNT IS REPORTING TWICE FROM THE SAME CREDITOR THIS NEEDS TO BE DELETED DATE OPEN XX/XX/XXXX XXXX. XXXX XXXX XXXX ACCOUNT NUMBER STARTING WITH XXXX IS NOT MY ACCOUNT NEEDS TO BE DELETED /DATE OPEN XXXX XXXX XXXX. XXXX XXXX ACCOUNT NUMBER STARTING WITH # XXXX THIS ACCOUNT DOES NOT BELONG TO ME NEEDS TO BE DELATED XXXX. XXXX XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT THIS NEEDS TO BE REMOVED AND DELETED 5.I HAVE A SOCIAL SECURITY NUMBER ENDING XXXX REPORTING ON MY REPORT WHICH IS NOT MY SOICAL CREDIT NUMBER THIS NEEDS TO BE REMOVED AND DELETED THIS IS FRAUD EVERYTHING ABOVE NEEDS TO BE DELETED ABOVE OR I WILL BE FILING A LAW SUITE XXXX 1.MY NAME IS XXXX XXXX XXXX NOT SR THIS NEEDS TO BE FIX 2XXXX XXXX  SHOWING A BALANCE OF XXXX THIS IS NOT MY ACCOUNT NEEDS XXXX BE DELETED OFF MY REPORT 3.XXXX  XXXX OPEN XX/XX/XXXX THIS IS NOT MY ACOUNT I EXPLAIN THIS I DID NOT OPEN THIS ACCOUNT XXXX XXXX  XXXX DATE OPEN XX/XX/XXXX THIS NOT MY ACCOUNT NEEDS TO BE DELETED HAVE XXXX ACCOUTS HOW WHEN XXXX WAS NOT OPEN BY ME HARD INQUIRIES XXXX. XXXX WAS NOT XXXX  XXXX ME THIS IS FRAUD THIS NEEDS TO BE DELETED 2. XXXX  XXXX XXXX NEEDS TO BE DELETED I DIDNT APPLY FOR THIS 3. XXXX XXXX XXXX XXXX WAS NOT ME THAT APPLY NEEDS TO BE DELETED XXXX XXXX  XXXX XX/XX/XXXX NEEDS TO BE DELETED XXXX. XXXX XXXX  XX/XX/XXXX NEEDS TO BE DELETED XXXX XXXX  XXXX XXXX NEEDS TO BE DELETED FACTUAL DATA XXXX XXXX NEEDS TO BE DELETED EQUIFAX FROM MY UNDERSTANDING IT WAS A DATA BREACH MY PERSONAL INFORMATION WAS EXPOSED AND ACCOUNT NEEDS TO BE DELETED THAT DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BE DELATED XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ADRESS NEEDS TO BE DELETED NOT MY ADDRESS HARD INQUIRIES XXXX XXXX XXXX  DATE XX/XX/XXXX NEEDS TO BE DELETED XXXX XXXX  XX/XX/XXXX NEEDS TO BE DELETED XXXX XXXX  XX/XX/XXXX NEEDS TO BE DELETED
Product: Checking or savings account

On XX/XX/XXXX and XXXX of XXXX, I went on a XXXX XXXX. There was an issue with my sail and sign card giving me an error code of XXXX. I went from machine to machine and sometimes it worked fine and other times I received the error code. What I didn't know was every time I received the code, I was being charged. I showed 3 attendants at carnival what was going on and they did know what the code meant. When I showed them the error code I was charged XXXX, just for showing them what was going on. I received a print out of my charges and on the 1st day and 2nd day of the cruise I was charged around XXXX to XXXX. Its that did not make. I went from customer service to casino and they printed out a report that said I had charged it. I told them to look at the surveillance video and they would be able to tell what was going on. No one at XXXX or XXXX XXXX XXXXXXXX would listen to me and they never would allow me to view the surveillance. I called XXXX XXXX XXXX from the ship and the lady said she would look into it. A few days later the holds were lifted off of my account so I thought everything was good. As soon as I leave the ship they put the charges back on my accounts. I have several credit cards on file with XXXX and they were all charged the fraudulent charges and all of the cards keep putting the charges back on my accounts. Then I will call them again because XXXX keeps sending them the paperwork that says I charged that much. They will not send the surveillance which is what is needed. XXXX  XXXX allowed them to go over my credit limit by XXXX and they are refusing to adjust. I have been back and forth with them all and I am getting no where. This has been going on since the XXXX of XXXX in dealing with XXXX and I have been dealing with my credit cards since XX/XX/XXXX. Nothing is being resolved and I did not make those charges. My credit rating has dropped dramatically and no one will help. This is unfair and I want justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is violating the law in plain sight all while thumbing their nose at the CFPB rendering them powerless. They continue to say they've done an investigation of this Bankruptcy knowing full well the statutes which govern these investigations 15 U.S.C section 1681 was never followed. They're simply using e-OSCAR and their own internal data to keep this on my credit bureau report. The CFPB KNOWS THEY'RE not following the law in investigating this " have you spoken with neighbors, friends or coworkers, etc. ) as the statute dictates, rather allowing them to get away with these egregious acts. I went to the US Bankruptcy Court, XXXX XXXX of Texas, Clerk of the Court, XXXX XXXX 's office, they stated they neither report nor verify bankruptcies to credit bureaus. So, if Equifax says they've followed the law in investigating my complaint they're lying and the CFPB knows it, this is where the 2 % of responses to CFPB complaints comes from, then it begs is the CFPB reading consumer complaints or complicit in the lawlessness of the three major credit bureaus. How can they continue to be in violation of the Fair Credit Reporting Act without impunity? This account is unverified, and they know it. If the CFPB continues to allow consumer with no redress, where do we go to hold them accountable. It's in Equifax 's best interest to break the law and flaunt it, while I suffer, they make money off keeping this and selling it to 3rd parties, e-OSCAR is not proper validation, these companies need to be reined in or it will continue to look as if the CFPB is complicit. Make them follow the law and take this bk off my report.
Product: Credit reporting or other personal consumer reports

Equifax has had a security freeze on my credit report for years I have tried at least a dozen times over the past 8 years to get it removed. 

The latest attempt today XX/XX/XXXX I passed their facial recognition software and they still refused to remove the freeze. I believe that the person I spoke with was trying to scam me he stated that he could not send me the information on how to remove the freeze through email and rather gave me a XXXX XXXX that he also refused to email or text for me to send my personal information to. 

As I stated I have tried for years to have this removed in XXXX I sent a copy of my ID, passport and power bill but was still told they are unable to remove the freeze. 

I did not have this placed on my report and am at my wits end on how to resolve this as it has prevented me from getting financing for a vehicle and is currently effecting my application for housing after I was displaced after XXXX XXXX 

Again they refused to send an email with clear instructions on how to get this fixed and I am not comfortable sending personal documents to a XXXX XXXX an unknown person gave me over the phone.
Product: Credit reporting or other personal consumer reports

please remove The fraudulent accounts from my credit report. in accordance with the Fair Credit Reporting Act, the list of accounts has violated my consumer rights to privacy and confidentiality under 15 U.S 1681e ( b ). I have told Experian XXXX and XXXX to remove the fraudulent accounts. in the list below [ XXXX  XXXX ; XXXX # XXXX ] [ XXXX XXXX  XXXX # XXXX ] [ XXXX XXXX  XXXX # XXXX ] [ XXXX XXXX XXXX XXXX # XXXX ] [ XXXX 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 ]. 

however, they said everything was completed. but everything is incorrect. According to 15 U.S 1681i ( 5 ) and 15 U.S.C.1681i ( 7 )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

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

While I haven't agreed to the defaulted original amount that Hunter Warfield Inc trying to collect for the Creditor named XXXX, Hunter Warfield keeps adding interest charges ( I guess ) to the original amount. I have never received any written notices or verbal notices on that. Thank you.
Product: Student loan

I have taken loans out from XX/XX/XXXX until about XX/XX/XXXX. 
I am the victim of Predatory lending practices from Navient 's deceptive practices and predatory conduct harmed student borrowers and put their own profits ahead of the interests of millions of families across our country who are struggling to repay student loans there is no way I borrowed maybe about XXXX, to about XXXX in loans and owe XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I was contacted by someone who identified themselves as a XXXX  of the Wells Fargo XXXX Department stating there had been a large request to XXXX  money via XXXX in the amount of {$3500.00} and multiple transactions for XXXX Case transactions via XXXX XXXX for {$2500.00}. The number they called from was verified by XXXX  to be the same number that was on the back of my Wells Fargo XXXX XXXX. I told the man on the XXXX  I did not approve XXXX  XXXX XXXX or XXXX transfers. He told XXXX  XXXX  had to be posted to the account in order to refund them and that he would push them through and to wait XXXX minutes after XXXX  posted to initiate the reversal process. During this process XXXX  call was disconnected and I called them back only to discover Wells Fargo stated they did not initiate the XXXX  about the transfers and that it appeared XXXX XXXX a victim of fraud. They immediately closed my account and we opened a new one on the phone and transferred what was left of XXXX  money to the new account. The rep stated they would open a XXXX claim for me for the apple cash transactions and the XXXX  transfer and she and transferred me to the XXXX  department. I explained what happened and they put the dispute in and said XXXX  would refund the stolen money. The next day there was still no claim for the XXXX, only the apple cash transactions. I called them back and was told it takes XXXX business days for the refund process and they did not handle XXXX, and transferred me to yet another XXXX That XXXX put the XXXX claim in and asked me some questions about if I had lost my phone or was it stolen and if I had a laptop and if so was it stolen. I dont remember all the questions. A few days later they denied XXXX  refund stating I authorized the transaction. I called back and the rep put in an appeal ( i believed she called it ) and that the other transactions were still under XXXX  but would issue a XXXX  credit in the meantime. They denied my appeal XXXX  later stating they believed I authorized the XXXX  transaction. Today XX/XX/23 I received a letter in the mail stating that they were taking the money back that was credited for the apple cash transactions because they beleive I authorized the XXXX XXXX transactions. I am a single mom with XXXX kids and would under no circumstances voluntarily give away over {$6000.00} of our money to XXXX. They did not " investigate '' any of the charges or they would have provided me with the reports I asked for the XXXX  time they refused to refund XXXX XXXX. And they would know that I did not and would not have made those transactions. They also stated they were not responsible or liable for XXXX fraud. I just want my money back which would be very easy to track down since this was all done virtually and you know they can trace where the money went. XXXX of the reps even said to XXXX  after my XXXX or XXXX the daily call to them that XXXX  " should be happy with XXXX  crediting XXXX  the {$2500.00} because at least XXXX got something back ''. Which XXXX  now are taking back from me and leaving me with over {$6000.00} of money XXXX
Product: Debt collection

This letter is an complaint of inaccurate information according to the fair credit report act section 609 A 1A i am required by federal law to verify through physical verification of the original sign contract any and all accounts that I pulled on the credit report I demand to see verified proof if been a validate remove from my account immediately please remove
Product: Money transfer, virtual currency, or money service

At the end of XXXX I changed my last name on my venmo account to match my new last name as I recently got married. Venmo asked for a photo of my drivers license to verify the name matches, since I did. On XX/XX/year> I received an email stating my account has been suspended due to my name on my venmo account not matching my DL. I responded to the email with another photo of my DL, which I checked matches my name on the account. On XX/XX/XXXX I received an email from a Venmo employee XXXX XXXX stating my name on my DL " does not quite match. '' I emailed back and forth with XXXX XXXX regarding my issue with no resolve. On XX/XX/XXXX I emailed again after trying to close my account and withdrawal the {$38.00} frozen in my account and being unable too. I was told Venmo is not holding my money even though it is and that if I felt the need that I should contact a lawyer but they would no longer be assisting my with resolving what the issue is. I attempted to request help again and my help request was ignored and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has been reporting my information incorrectly for over a year and they refuse to correct it. They report my social security number to be my business EIN ending in XXXX