23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Loan 1 : XX/XX/XXXX Promissory Note Amount {$990.00} Loan 2 : XX/XX/XXXX Promissory Note Amount {$1500.00} Received {$500.00} Cancelled {$1000.00} Total amount received for both loans {$1400.00} ( {$990.00} + {$500.00} ) While I was in school at XXXX XXXX University monthly payments were taken out of my mother 's pay checks from our credit union, XXXX XXXX XXXX XXXX. On the tax statement provided by them on XX/XX/XXXX both loans show a balance of {$0.00} and state LOAN PAID IN FULL. I no longer owed on these two Federal Student Stafford Loans. 

Upon graduating from XXXX XXXX XXXX University in XXXX, I was sent a Stafford Repayment Obligation from XXXX XXXX XXXX dated XX/XX/XXXX. This document states that one of my student loans was in forbearance starting XX/XX/XXXX, ending on XX/XX/XXXX. The loan they are referring to was one of two loans I received while attending XXXX. That information is correct. However, listed on the first page of this repayment obligation are not only the two loans from XXXX  XXXX   XXXX University but also the two previously paid off loans from when I attended XXXX XXXX University. These loans also show the {$1000.00} that was cancelled from the second loan where I only received {$500.00}. This is incorrect. As I stated above, these two loans were paid in full. 
Please see attached documents as proof of the loans being fulfilled. 

XX/XX/XXXX - I received from my current employer a copy of a document that was sent to them titled UNITED STATES GOVERNMENT WAGE GARNISHMENT ORDER ( XXXX ). The total amount said that I owe the federal government is {$18000.00}. Prior to this notice I had received mail at my home threatening to garnish my wages. I responded to this by mail and also tried to object by phone. The help I have received to stop my wages from being garnished and also to address my first two loans which were paid in full is NONE. I have exhausted my options at this level.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Hard Inquiry/Unverified on my behave I recently checked my credit report with Experian, XXXX, XXXX. 
I have two Hard Inquiries from company : XXXX XXXX XXXX XXXX : XX/XX/2017 Second : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ( XXXX ) XXXX I called many times, left messages to XXXX XXXX XXXX spoke with different representatives, got the turn around.Gave my personal information again and again. I was told that they would forward the information to their supervisor to revise and report the correct information to Experian. Never received update at all from XXXX XXXX XXXX. 
I contact Experian directly to let them know.That the Hard inquiry needed to be reported correctly and Deleted from my credit report.But is still shows
Product: Checking or savings account

I have a savings account with HSBC bank that is now in dormancy because there was no  activity on it for a period of time. The account has funds in it which I would like to access. I 've called HSBC three times over the last month to have them send me a form to release the account from dormancy status so I can access it. I live in a state where there are no HSBC branches, so I ca n't easily get access to the form. I also sent HSBC a notarized letter asking them to release the account from dormancy. To date nothing has been done. HBSC has been unresponsive when I ' ve called, telling me I just need to wait for the form in the mail. When I called on  XXXX , I spoke with someone named  XXXX . The second time I called on  XXXX , I spoke with someone named  XXXX . The third time I calle d (  on  XXXX  ) I spoke with someone named  XXXX . They have refused to email me the form, or send it to me via expedited shipping where it can be tracked.
Product: Student loan

Dear Sir or Madam, I have a private student loan originally taken via XXXX XXXX, the loan amount about {$100000.00}. I have always made regular payments. I had opted for electronic document delivery in which XXXX XXXX maintained my statements and documents ; any time I needed them I only had to login to XXXX XXXX. 

This year, XXXX XXXX announced they were exiting the student loan business and my loan would be transferred to Firstmark Services, a division of Nelnet. 

I was reassured by XXXX XXXX that the transfer would be seamless, I would be able to access all of the information regarding my loan, for example statements, tax statements, etc. with XXXX as I was with XXXX XXXX. 

My loan was transferred, the automatic payment process was seamless. I did have some initial minor problems in registering for my Firstmark account, however this was resolved upon calling Firstmark customer service. 

My monthly statements and other documents were not transferred. These are important to me as I periodically need these when I balance out my home accounts and budget. 

I contacted XXXX XXXX kindly requesting that they transfer my statements and documents to Firstmark. They responded that the people at Firstmark are who I should be contacting as they are now 100 % in control of my loan and loan servicing, would have this information to provide as all was transferred to Firstmark. 

I contacted Firstmark customer service with a very simple request, quote, " please provide me with my monthly statements that I had when my loan was being maintained by XXXX XXXX. '' Now I don't think this is a particularly hard to understand non unreasonable request particularly as this loan amount is big and clearly profitable given I have never been delinquent on this or any loan for that matter, and make regular monthly payments as agreed and plan to continue to do so till the loan is paid off. 

All I want are the monthly statements I could access with XXXX XXXX accessible to me once again. And if they can't get them all, then at a minimum, the statements from this year for XXXX, XXXX, XXXX, XXXX and XXXX. 

And failing the above, then if they can just tell me for each of the months this year, thus XXXX, XXXX, XXXX, XXXX, XXXX - of each of these payments, how much went to principal and how much went to interest as these 2 details are the 2 critical details I need to enter into my accounting and budgeting software. 

So I don't think this is too much to ask however Firstmark at the moment seem entirely unwilling to provide me with this information. 

As a sidenote, I have not received my tax documents related to this account, Firstmark seems unwilling to provide this to me either, although at the moment I am not in need of this, however will need it in due course. 

I would be grateful for your help in communicating with Firstmark, hopefully the result will be me getting the information I need. Although I feel I have made my request clear, it might be you may be able to communicate what I need in a different more understandable manner.
Product: Debt collection

I received a letter on XX/XX/20 from Aragon referencing a debt I do not own. 
I have not been to a doctor nor hospital in over 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently trying to repair my credit with TransUnion. I sent my first dispute letter Certified Mail on XX/XX/21 and the second dispute letter Certified Mail on XX/XX/21. Both times Transunion have claimed they did not receive it. I have to call both times for an update. I do not see any updates on the website. All they did was send me a credit report.
Product: Credit reporting or other personal consumer reports

Requesting monetary relief multiple attempts to correct reporting, inaccurate reporting on a fraudulent account remove from credit report Transunion see below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect info on my credit report. I do not know of this info it does n't belong to me These are the itmes that do not belong to me XXXX XXXX {$5400.00} XXXX XXXX {$2000.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX {$590.00} XXXX {$140.00} XXXX XXXX XXXX
Product: Debt collection

In my credit report, I have three accounts under collections with Portfolio Recovery. I attempted to contact them to request information about this debt, but they have not provided any proof that it belongs to me. The debts in question are as follows : {$1000.00}, {$1400.00}, and {$6100.00}. Additionally, the dates listed on my credit report are from XXXX XXXX. Despite my efforts, they continue to harass me with calls and have not offered any resolution. 


I have sent a certified mail requesting the following on XX/XX/XXXX, but I did not receive anything in return  1. The amount of the alleged debt ;  2. The full name and mailing address of the original creditor for this alleged debt ;  3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ;  4. Documentation showing you are licensed to collect debts in California.
Product: Payday loan, title loan, or personal loan

I have been trying to resolve a complaint with Lending Club. Pursuant to the lending agreement, I submitted a request to arbitrate the case. 

Lending Club has not responded in any way to my attempt to resolve the matter. They have since written the loan off as noncollectable. 

I would like to have this case resolved via arbitration per the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a notification from identity monitoring service that a hard inquiry had been made on my credit report for a JC Penney Credit card that I did not authorize. After talking with XXXX they refused to help and said that despite being fraudulent the hard inquiry was a statement of fact and they would not remove it. I contacted both JC Penney and Synchrony Bank, who issued the inquiry and explained to them that it was also fraudulent and that they need to send a letter of deletion to XXXX to have the inquiry removed, but both institutions claimed they could not send them and it had to be done through the credit bureau, who referred me back to JC Penney/SYNCB for a letter of deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Is it that har for the Credit Bureaus to do their investigation and verify the information the report on my Credit File? The Credit Bureaus had become negligent of their duty and kept ignoring the letters I have been sending to them. The most recent letter I send to the Credit Bureuas was lsat XX/XX/2022, was already my sixth attempt to reach out to the Credit Bureaus, emphasizing the importance of the FCRA section 605b ( c ) ( 1 ) ( c ) Athority to Decline and Rescind. Once again, I have been a victim of Identity Theft and the Items I am disputing does not relate to any transction that I have made or Authorized, therefore, the Credit Bureaus have no right to decline my requests for the removal of the disputed items from my Credit report. If the Credit reporting insist that the items belong to me, I will require all documentation that bears my signature to prove that the alleged items are mine. The Credit Bureaus became lazy and did not comply with the FCRA regulation, thus their action have done negative impact on my Credit report. I have been submitting complaints regarding this matter and I am disputing the fraudulent items once again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TXXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Owed : {$35000.00} XXXX  XXXX XXXX Balance XXXX : {$2600.00}
Product: Money transfer, virtual currency, or money service

A friend attempted to send money to my XXXX XXXX account via Zelle. When Zelle got around to actually processing the transaction, they removed the money from the sender 's account, but did not deliver it to the recipient ( me ). I can not access the money. The recipient can not cancel the transaction. Right now, Zelle is holding on to the money for an unspecified amount of time. 

I contacted XXXX XXXX twice about this. They said that because the money is currently being held by Zelle that there is nothing they can do to complete or cancel the transaction. Why they suggest using Zelle under these circumstances is unclear, though of course they likely get paid for doing so. 

I have attempted to contact Zelle twice. Their automated system asks if the transaction is being done via banking app, and when I selected the option to say that it was, the machine told me to hang up and call the bank. They offered no option to complete or cancel the transaction, or to even speak to a representative. Neither the sender nor I knew that a simple funds transfer could be delayed indefinitely like this. 

Currently Zelle is holding on to the money. Neither sender nor recipient can access it or modify the transation. There is no way to contact Zelle about the problem, and the bank - at least my bank - claims that there is nothing they can do about the missing money. As of this moment, over a XXXX dollars in US currency is missing, and neither XXXX XXXX or Zelle is offering any recourse to recovering it, other than to wait and probably get it next week. Probably.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 5 months later, I have not received a response yet. I feel like Im being taken advantage of and being igored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted immediately. I demand that these accounts be deleted immediately or I will file for litigation due to the stress these people are causing me. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong people.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the following accounts, which have been inaccurately reported on my credit reports by Equifax, XXXX, and XXXX. These accounts are not mine, and their presence on my credit report constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX I would like to bring to your attention that these unauthorized accounts have violated my rights under the FCRA as follows : Right to Privacy ( 15 U.S.C. 1681 Section 602 ( a ) ) : According to this section, I have the right to privacy regarding my personal credit information. The reporting of these unauthorized accounts on my credit report breaches this right, as I did not consent to their inclusion. Furnishing of Accounts Without My Written Instructions ( 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) ) : The FCRA clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have never provided any authorization or instruction for these accounts to be reported under my name. These violations have caused significant distress and potential harm to my financial standing. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that the unauthorized accounts are removed from my credit reports. Additionally, I request that any necessary corrective action be taken against the responsible parties to prevent future violations of my rights. Enclosed with this letter are copies of my credit reports from Equifax, XXXX, and XXXX, highlighting the unauthorized accounts. I have also included any relevant correspondence that may assist in the investigation. Thank you for your attention to this urgent matter. I trust that the CFPB will take swift action to resolve this issue and uphold the protections guaranteed to me under the FCRA. Please feel free to contact me if you require any additional information or documentation. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

there are several companies reporting to my credit that i are online lenders that reporting i have open accounts with them i haven open a account with any of these lenders XXXXXXXX XXXX XXXX Acct was open was XX/XX/2022 and the balance is XXXX, XXXX XXXX XXXX Date Open XX/XX/2022 Balance XXXX, XXXXXXXX XXXX XXXXXXXX Date Account Was Open XX/XX/2022 Balance XXXX, XXXX Date Acct was Open XX/XX/2022 Balance XXXXXXXX XXXX Date Account Was Open XX/XX/2022 Balance XXXX there also a address showing on my credit report XXXX XXXX XXXX XXXX.FL XXXX dont know anyone that lives at this address might be whoever is using my info
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau ( Experian, XXXX  ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor lack of investigation and communication I'm requesting that all of the accounts be removed. All of the loans in question and the negative accounts that have been reported are hurting my scores.
Product: Credit card

ON XX/XX/XXXX I RECEIVED A CHARGE OF {$1800.00} ON MY CREDIR CARD NUMBER ENDING IN XXXX. I DISPUTED THE CHARGE AND RECEIVED A NEW CARD ENDING IN XXXX. THE DISPUTE WAS DENIED ON XX/XX/XXXX BY XXXXITIBANK. I SENT A CERTIFIED LETTER WITH MY ATTORNEY ON XX/XX/XXXX. I HAVE NOT RECEIVED ANY RESPONSE
Product: Credit reporting, credit repair services, or other personal consumer reports

I cant get my credit report sent to me from transunion please help i get one a year and they are telling me i have to send info too them
Product: Debt collection

I paid and settled my debt I ask would it be immediately taken off my credit they said yes its been ample enough time and still no deletion. In order for us to have no further problems I would like them to manually delete this from my credit. As they should have not told me. It would be deleted so soon.
Product: Credit reporting

Discover Financial Services keep running my my credit report ( score ) without my authorization and they have done it and multiple occasions
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. So if that's the case. How did the credit bureaus edify my bankruptcy as XXXX  % Accurate. They never did a fair investigation according to the 15 USC 1681. 

Reference XXXX 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 consumer 's 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. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit card or prepaid card

I just finally received my Capital Credit Card bill which was due in XXXX. However, I did make the XXXX payment under XXXX which was the number on my card. They deactivated that card and now I have a new number but I only know it says XXXX on the bill. I can not sit there and answer so many questions as I had an accident and in XXXX XXXX XXXX XXXX XXXX. My doctor said it is XXXX XXXX XXXX XXXX. 
It took many weeks for this statement and it was difficult to make a payment but they told me to on XX/XX/XXXX, so I did so as my payments are due on XX/XX/XXXX so it was early so what are they complaining about. 
For weeks they refused to change my address. Now I do not even know the card number but only the last four digits of the card. 

They say it is an open account but refuse to issue a card. I received a letter last week to call in and they would send the card but have refused to do so. When I called they asked for the correct extension which I could not provide so they hung up. 

If they could send the bill to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida, XXXX why not the card which I am still waiting for.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three major consumer credit reporting agencies, Equifax, XXXX and XXXX XXXX are not responding to my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me in accordance with The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

i want to delete all errors
Product: Checking or savings account

I deposited an amount of XXXX into my account which was put on hold on the XXXXI complained to this office about the hold ( ref ) XXXXThe hold was released on their unilateral date of XX/XX/2021, not before and to no response of my complaint to the bank and to the cfpb I issued payment for the goods supplied and the supplier deposited the cheque for the XXXX .The cheque was returned unpaid. 
The account had a balance of XXXX on friday XX/XX/2021. 
this is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sad I now have to pursue this avenue, this vehicle among others that were purchased via identity theft XXXX refuses to remove this fraudulent information off my credit report rejecting Experian 's attempt. This is obviously Identity theft because it is a 1st payment default which is fraud. XXXX is unable to produce even one verified payment or accurate documentation to prove beyond a reasonable doubt that this is a legitimate debt. I am hopeful that this issue will be resolved here without having to take this in front of a judge.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
XXXXXXXX XXXX XXXX Balance : {$3000.00XXXX XXXX XXXXXXXX XXXX Balance : {$7600.00} XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX ( Original Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2300.00}