23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have XXXX Federal Stafford loans serviced through Navient - XXXX of them at 2.65 % and XXXX at 6.8 %. From repayment beginning in late XX/XX/XXXX through XX/XX/XXXX, I was on a graduated repayment plan that covered interest plus put a small amount toward reducing the principal balance. This plan was one of the few repayment plans offered through Navient 's website, with no way to customize to which loans payments are allocated. Looking at my account history, it appears Navient directed all payments to principal for that time period to the loans with the lowest interest rate and paid INTEREST ONLY on the XXXX loans with the high 6.8 % rate. With the limited amount of money I could afford to pay at the time, Navient chose to direct 4 years worth of payments exclusively to my low-interest loans and allow my high-interest loans to accumulate interest in order to benefit Navient 's bottom line and take more money out of my bank account. As a federal loan servicer, I trusted Navient to do what is right for the student, however I now know better and urge other borrowers to pay obsessive attention to the way their payments are disbursed. Navient seems to make it as difficult as possible to understand how payments are distributed and even more difficult to ensure they are doing what is right for the borrower. These deceptive practices have cost me hundreds of dollars in additional interest payments since repayment began.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXXXXXX 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

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX, XXXX XXXX, XXXX XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX : XX/XX/XXXX Balance : {$360.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$1800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello to whom it may concern Im a customer of XXXX card Ive had since 2011 they never allow me to get my 1 year free credit report. Additionally they fraudulently lowered my credit limit from XXXX. To XXXX $ discriminated against me because I let my Daughter be a card holder while she was using her user card at XXXX university in Florida . Im a working class so I believe Im being discriminated against, then XXXX card refused my free credit report and lowered my limit and return this lowered my credit report 50 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a preapproved offer through XX/XX/XXXX for a XX/XX/XXXX unsecured personal loan at just over 23 % through XX/XX/XXXX. The loan would have been used to pay off credit card balances which would have improved my credit score allowing me to refinance my home. When I accepted the preapproved offer a hard inquiry went on my credit and  they changed the offer to a secured loan against my autos. I let the person on the phone know my vehicles have loans and I wasn’t applying for an auto loan. The lady told me that the company charges 33-37% on unsecured personal loans. Had this been disclosed up front I would NEVER have applied. If this was somehow, someway disclosed, it was hidden at best. I believe it was outright fraud via bait and switch. I would like the inquiry removed from my credit report. I called the credit dispute of XX/XX/XXXX and was told I could write a dispute but it would not change anything .
Product: Student loan

Hello, I spoke with the defense team with the department of education and they informed me that I may be eligible to be refunded the amount of {$690.00}. I used a third party company called " XXXX XXXX XXXX XXXX, XXXX '' to help me consolidate my student loans with the department of education and was charge {$690.00} fee on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


XXXX XXXX XXXX Account XXXX : XXXX I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to XXXX XXXX XXXX they are suppose to 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: Mortgage

I was provided a modification back in XXXX with an extremely high interest rate of 7.5 %, unfortunately I experienced another hardship and fell behind again due to my divorce and having to pay child support which raised my expenses. I recently submitted for another loan modification and was told that they can not provided me with assistance because I already had a modification. I do not feel the previous modification was fair as the interest rate was still high and therefore accepted because I had no choice and wanted to save my home. I am now facing another foreclosure sale on XXXX/XXXX/XXXX and an not being provided any options to avoid foreclosure.
Product: Credit card

Loss of job in XX/XX/XXXX while on XXXX. Contacted company for assistance with filing claim to use debt cancellation program. Was not provided this assistance and in fact while I continued to make payments while on XXXX in XXXX, My account was also compromised in data breaches. I have continued to reach out to issuer as Account was prematurely closed once I complained on being unable to make further payments and view account online.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this Complaint with the help of the CFPB to dispute the fraudulent items I found being reported on my Credit File. Upon reviewing my records, I have come across several accounts and information that I am unfamiliar with and do not recognize as my own. While I am unsure whether this constitutes identity theft, I believe it is crucial to address these discrepancies promptly to ensure the accuracy and integrity of my credit profile. I kindly request the Credit Bureausr assistance in investigating and removing the following unauthorized accounts and information from my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. It is my understanding that under section 605b of the Fair Credit Reporting Act ( FCRA ), it is the Credit Bureausr legal obligation to ensure that any unauthorized and unfamiliar accounts and information are promptly removed from my credit file.
Product: Checking or savings account

Early warning has a account with XXXX XXXX XXXX listed as closed for suspected fraudXXXX XXXX XXXX can't tell me what fraud was done and I am a current member. Neither company will remove it or verify.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX Balance : {$5300.00}
Product: Debt collection

This company keeps trying to request a payment on a vehicle that was a total loss on XX/XX/20 and XXXX insurance paid for the car on XX/XX/20 and I signed the title and power of attorney over to them on XX/XX/20 before check was disburse. Prior to this they kept calling said they havent received a check when Im looking at the email the XXXX had forwarded to me to keep for records. Then finally they said oh ok you owe {$560.00} for co-payment. I said my deductible is {$250.00} which it was added in the check because the XXXX told me and send me documentation. So after that each representative kept changing amount after the car was paid off and Gap paid the rest. Help Me. This company is double dipping Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX, has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX I have the right to privacy. 
XXXX XXXX XXXX XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instuctions
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting me 120 days past due on the XXXX, partial account number XXXX, reflecting a {$0.00} balance and {$0.00} past due amount. This negative reporting is hurting my credit score. It is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft for several years now I've made police reports and sent them in to all credit bureaus to no avail XXXX is still reporting this item on my credit report as mine and it isn't time and time again to get this matter resolved and nothing is happening this item is ripping my credit apart its hard for me to get housing getting loans for my children 's college loan I have been steadfast in paying all my bills on time and XXXX is not reporting my payments and my credit score has not increased at all this item needs to come off my credit report the company name is WF/NATION DATE OPEN : XX/XX/2019 BALANCE XXXX thank you in advance for all of your help on my behalf XXXX XXXX
Product: Debt collection

Unfortunately, I had an auto loan with  XXXX   XXXX   XXXX   XXXX  tha t slipped into collections in the 1990 's, roughly 20 years ago. Recently, a collection attorney started sending me correspondence about this account, and also threatened to litigate the debt. Their contact, and action, is a violation of my rights under several state and federal collection laws. First of all, the statute of limit  ations to sue for this debt is three years in the state of NC. Since this debt is nearly 20 years old, it is a violation of my rights for this attorney to contact me, much less threaten a law suit. In addition to these threats, they have also threatened to send the sheriff to my home.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, KIc. ) 0 tol de quato customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process 0:3 was untair and eceptive, as they did hot '' comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations
Product: Credit reporting or other personal consumer reports

I wrote a letter to the credit bureaus asking for the removal of these accounts because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high accurate information, and they did not. The account is inaccurate, they never showed me how they verified these accounts nor how they updated these accounts, they did not disclose their method of verification nor a contract bearing my signature as requested. These accounts are affecting my credit report and me trying to get a house, car, and other loans. Please remove them immediately. They had up to 30 days to provide me with the method of verification and a contract or any proof that these accounts are mine. I received neither. Please remove them. 

Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and im entitled to {$1000.00} for every violation I listed, they have to pay me or delete these accounts.
Product: Debt collection

Months ago, I submitted a complaint that an XXXX XXXX  had shown up on my credit report as a derogatory mark, indicating that I owed XXXX XXXX ( I don't know who this is ) {$400.00} dollars. Once I submitted the complain to CFPB the derogatory mark disappeared on my credit report, my score returned to normal, and I assumed the issue was resolved. 

However, just a week ago my credit score dropped again, this time from a derogatory mark opened by a company called RPM. I have never been contacted by any of these companies ( XXXX, XXXX, nor RPM ) regarding any outstanding debt. I have not received a call, a voicemail, nor a letter. 

This is not my debt, and I don't even know how to contact the companies because I have never been contacted by them. I have never been contacted by any creditor about an outstanding debt. Apart from this false {$400.00} claim, which I suspect is fraudulent, no accusation of debt has ever come my way.
Product: Credit reporting, credit repair services, or other personal consumer reports

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor did not notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 

XXXX XXXX  XXXX Paid as agreed. 
XXXX Paid as agreed. 

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we were already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

You are also in Violation of The United States Code Law 15 U.S. Code 1681b - Permissible purposes 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.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX, and Federal Trade Commission. 

I am in fact a consumer and never gave you written permission to furnish these accounts on my consumer report. I DEMAND you to remove asap. 

XXXX XXXX XXXX  XXXX XXXX, XXXX -Remove from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Remove from my report XXXX XXXX XXXX XXXX. XXXX, XXXX Remove from my report
Product: Mortgage

Ditech Mortgage illegally and unlawfully withdrew {$390.00} from my checking account. I have autopay set up with Ditech and Ditech took advantage of my autopay by removing monies not authorized. My current mortgage payment is {$740.00} and I wished to pay another {$100.00} towards the principal. When I called to report this after much wrangling, Ditech agreed they were wrong. The Ditech Autopay system " had just been upgraded '' which I suppose gave Ditech a license to take my money. I want the CFPB to do a full investigation of Ditech 's payment processes online including a careful review of autopay. I was unable to cancel my autopay even though the system made me believe I had cancelled autopay after I discovered the unlawful withdrawal. Ditech had to remove the autopay in a phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis continues to use unfair and deceptive practices. I've been contacting them since 2022 in reference to them continuing to report inaccurate information. They continue to be reckless and noncompliant even after I have notified them of their grave errors. They have not exercised their grave responsibility with fairness, impartiality and respect for my right to privacy. They have not used reasonable procedures to make sure the information they are reporting is accurate. They never properly verified any information they reported. They have been unfair and biases to me as consumer and continue to have no regards to the Federal Laws. I'm consistently being denied credit, because of the inaccurate information they are providing. They are hindering me from providing from my family. They are continuing to cause me economical and emotional distress. No one deem me credit or insurance worthy. 
Delete the following information for it is incorrect! 
Case # XXXX -Identification records : XXXX -Online Marketing Record : XXXX -Insurance Records : XXXX -Dept of Drivers Services Record : Second Record XXXX -Inquires : ALL XXXX, XXXX
Product: Credit card

I was supposed to be receiving a refund from XXXX XXXX XXXX in the amount of {$370.00} to a card that I no longer had active with Cash App. Typically the amount gets rejected because the card is then no longer active. I dont know how cash app is able to apply a credit to a card that is no longer active.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any
decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"