23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have had a federal student loan since I started college XX/XX/XXXX. Some of the loans are subsidized while the others are subsidized. I started going to school for my XXXX degree XX/XX/XXXX, and since then my student loans went into deferment. Without notifying me, the loan servicer, FEDLOAN SERVICING, changed my status from deferment to forbearance, in which case all interest that had accrued overtime, was added back on my student loan. These loans are already a burden and it is frustrating when federal loan servicing companies try to manipulate ways of repayment in order to make the max amount of profit. I am still in school half time and do n't understand why every semester I should have to re-report my status as a student. My loans went from deferment to forbearance XX/XX/XXXX and to date I have not been notified of this change. I only noticed this change yesterday, XX/XX/XXXX, on my online account at fedloan.org. I hope that something can be done about this matter so these issues do not keep occur again. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this CFPB complaint to notify you that the 3 credit bureaus have engaged in unfair practices by providing inaccurate and misleading information. For that, I am filing a case against the 3 credit bureaus for vioalations of the Fair Credit Reporting Act or FCRA Section 605b. My accounts privacy has caused several emotional distress when I found those accounts that are still reported on my account. Kindly help me investighate this issue and these following accounts should be corrected immediately : XXXX XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX Balance Owed : {$370.00} ; XXXX  XXXX Balance Owed : {$320.00} ; XXXX  XXXX XXXX Balance Owed : {$3000.00} ; DEPT OF EDUCATION/XXXX  XXXX Balance : {$7900.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

I filed a CFPB compliant ( XXXX ) against First National Bank of Omaha ( FNBO ) and also contacted their CEO regarding this issue. They responded that they followed the Fair Credit Reporting Act ( FCRA ) see the attached, as much as I love placating form letters and voicemails to Office of the President that don't get returned. I have some follow-up questions for 'XXXX XXXX ', because I don't believe it's been applied correctly in the past. I request the 2 following pieces of information 1 ) If this latest dispute was correctly reported according to FCRA, why was my 2017 dispute against XXXX not reported on my credit report? 2 ) According to FNBO the comment on my credit report is not displaying for institutional reports ( e.g. lender reports ), but is displaying on the consumer facing report. XXXX says that it's a matter for FNBO because they are the creditor that is reporting this information. Why is it display on the consumer facing report, but not on institutional reports ( e.g. credit card company inquires )?
Product: Checking or savings account

XXXX XXXX, 2024. Wells Fargo Paid From My Checking Account {$1000.00} That I Did Not Authorize Nor Was It Disclosed To Me By Any Parties. 

It's Upsetting Because Once I Received The Alert That I Had XXXX Balance I Contacted The Bank. Only To Be Told To Call A Number And To File. A Complaint With Another Number. 

However No One Assisted In Stopping Payment Until Issue Was Resolved Instead Paid Out Of My Account To Settle Their Agree or Contract!! 

Wells Fargo Had No Right To Issue Any Payment Or Even Acknowledge My Account Because That Just Violates My Privacy As Their Consumer. 

After Trying To Resolve The Issue, Wells Fargo Offered No Kind Of Assistance or Any Resource To Return My Funds!
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

LVNV FUNDING LLC XXXX Balance Owed : {$470.00}
Product: Debt collection

The debt is not mind. I am not with my spouse anymore I believe is hers, because of the address.
Product: Credit reporting or other personal consumer reports

I've noticed Lexis Nexis is reporting a bankruptcy on my report inaccurately. I have attempted to dispute this info with the company and have gotten no where. I have reached out to the Bankruptcy court of Wisconsin and was told that they DO NOT REPORT NOR VERIFY INFO for bankruptcies. I would like this inaccurate/false information removed from my report entirely and immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account several times to the credit bureaus. I have sent them a copy of the debt cancellation letter and its still not being removed. Please help I called XXXX Bank and they have said there isnt anything else they can do This is a XXXX XXXX bank account.
Product: Student loan

I have a pending payment due on the XXXX of XXXX for a loan used to pay XXXX University at XXXX XXXX, FL. I am experiencing financial hardship and as a result, I will not be able to make the payment at their specified amount. I decided to be proactive by calling Sallie Mae before my account becomes delinquent. When speaking with the Sallie Mae representatives, all they offered was forbearance as an option. I explained that I had already taken that option for XXXX months, which increased the loan amount as well as my monthly payment terribly, and that I was now ready to pay a monthly amount that is more fitting to my financial needs. End result : after speaking with many customer service representatives and supervisors such as XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX I was told that no sort of help or temporary repayment plan would be offered until I became delinquent on my account. Their solution was for me to not pay on my loan, and they even went as far as to encourage me to go into default. I have the representative ID numbers of several employees which made the statements described above. I am surprised as to how this company is allowed to be in business in the United States of America, and disgusted as to how they target students for these loans. I am ready and willing to make some sort of payment of my account, I just can not afford the amount demanded by Sallie Mae and it 's representatives at this time. The customer service team there appears to have a goal of pushing their clients into default. It 's an unfair business practice which is not even seen in the majority of credit card companies.
Product: Checking or savings account

I was having issues accessing my account so I reached out to Citi Bank only to be informed that my account was pending closure, I had not received any notice of this and they gave me conflicting reasons every time I contacted them as to why the account was being closed. Citi bank then closed the account on XX/XX/2020, a check in the amount of {$1600.00} was to be mailed and received by XX/XX/2020 at the latest per Citi Bank. Money has not been received as of XX/XX/2020. Multiple calls have been made to Citi Bank on the following dates : XX/XX/2020, XX/XX/2020, XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. On numerous occasions Citi Bank stated they would escalate the situation, they would overnight the check, they would transfer the funds to the other Savings account I hold with them. None of this has happened even after speaking with several supervisors.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my Equifax credit report. I noticed that I have a fraudulent account reporting on my Equifax credit profile. The name of this fraudulent account is " XXXX BANK ''. The account number for this fraudulent account is " XXXX ''. Please remove this account immediately. This fraudulent account is hurting my ability to obtain credit. See attached. Thanks
Product: Credit card

My name is XXXX XXXX, and I am writing to formally dispute Wells Fargo bank account which I believe were fraudulently opened without my consent. 
As a XXXXXXXX XXXX, I was in the United States like a XXXX student visa in XXXX, during which I obtained my Social Security Number. However, I departed from the US in XX/XX/XXXX. I returned to the US under the XXXX for XXXX program on XX/XX/XXXX ( attached below is documentation of my entry and exit from the US border ). 
It has come to my attention that I have a bank account listed under my name in Wells Fargo bank, which I did not open and didnt use, because i received my SSN in XXXX and account was open in XXXX. Attaching my report from Identitytheft.gov below. 
Therefore, I kindly request that this account be disputed, closed, and removed from my report promptly. This action is necessary to ensure that I can begin building my credit history in this country and proceed with opening a debit card and pursuing employment opportunities without further hindrance. 
Thank you for your attention to this urgent matter. I look forward to your swift resolution of this issue. 
I am a victim of identity theft, and this bank account do not belong to me. I request that this account mentioned in this mail be removed immediately. 

Attached to this email, you will find copies of all supporting documentation for the dispute. 

Thank you for your prompt attention to this matter.
Product: Credit card

I XXXX XXXX, natural woman, is an intervener attorney in fact for XXXX XXXX. It's my belief that this company without my consent used my information causing negligence and harm. I have no records on file of me contracting with this company, ChexSystems. Written instruction was never given to furnish such information. ChexSystems is in complete violation of my consumer rights. 

This is a misrepresentation of my person. My name is a sole proprietor and I am the trustee of my person. Where is their power of attorney to operate my estate and its property? Where is their court order from a competent court with jurisdiction? I am a victim of aggravated identity theft, this is in violation 18 usc 1028a. This company is causing harm to my by way of extortion and deception.
Product: Credit reporting or other personal consumer reports

I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, Please be reminded, No consent is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Please promptly remove this data within 4 business days under pursuant 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance
Product: Credit card or prepaid card

Please be advised this is in ref to the the complaint XXXX with CFCP. Please note that conversations held with Capital One advised that they refused to reopen the account based off their own determination of my claim the account was closed under incorrect circumstances. Please note that contact was never made with the credit company they only kept giving me the run around sending me to various departments and advising that nothing can be done once i spent a prolonged amount of time on hold only to be told a supervisor will contact me the following day which would not happen. Please note this complaint is not in an effort to reopen the account rather I do not want to continue down that path. I request that my account for this particular card be removed from my credit report account and reported to all credit reporting agencies since the balance was satisfied and processed the day after they closed my account after stating not to worry about it.I respect the art of business. And i respect policy and procedure, but as a consumer when you are reportedly being lied to and silenced it's a frustrating experience. Also it's fair to note that the account was satisfied not even a day after they closed the account with out my knowledge/ or any contact being made the day of.
Product: Credit reporting or other personal consumer reports

I Received A Copy Of MY Credit Report And Saw Inaccurate ACCOUNTS REPORTING FRAUDULENT. These ACCOUNTS NEEDS TO BE REMOVE OUT OF MY CREDIT REPORT DUE TO THE FCRA LAW CODES FOR CONSUMERS. THESE ARE THE ACCOUNTS THAT ARE REPORTING FRAUDULENT. 
PLEASE HELP ME RESOLVE THIS ISSUE. 

XXXX XXXX BALANCE : {$4900.00} ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX THESE ARE THE FCRA LAW VIOLATION CODE : 15 USC 1637B Before opening any account under an open end consumer credit plan, the creditor shall disclose to the person to whom credit is to be extended each of the following items, to the extent applicable : ( 1 ) The conditions under which a finance charge may be imposed, including the time period ( if any ) within which any credit extended may be repaid without incurring a finance charge, except that the creditor may, at his election and without disclosure, impose no such finance charge if payment is received after the termination of such time period. If no such time period is provided, the creditor shall disclose such fact.

15 USC 1681B A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.

15 USC 1681Q- Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

15 USC 1681N-Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Product: Credit reporting or other personal consumer reports

I have sent complaints to the company directly as well as to all 3 credit reporting agencies. This false incorrect information continues to be reported on my credit reports XXXX, XXXX, and Transunion. These accounts do not belong to me but yet they continue to report these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I lost my job so I havent been able to make the huge monthly payments on my credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am currently in the process of applying for a loan, and as part of the application procedure, the lender needs to verify my credit standing. Since my credit report is currently frozen, I would like to request that it be temporarily unfrozen to allow the lender to access it for their evaluation.
Product: Credit card or prepaid card

I was alerted through a credit monitoring service that an attempt to obtain a line of credit was falsely done with my identity.
Product: Debt collection

I got a letter in the mail on XXXX it was a plaintiffs post-judgement discovery request to defendant. I called the county from where the case was brought up against me they told me that the default judgement was from XX/XX/year>. I was never served or contacted and now they are threatening to garnish my wages and freeze my bank account and all assets. They want XXXX dollars the original debt was XXXX dollars.
Product: Credit reporting or other personal consumer reports

There is a fraudulent account under Auto Loans that was obtained though forgery and identity theft. My signature was forged on contracts and vehicle registration. I was not notified or aware that it was fraud until delinquent payments surfaced while a mortgage lender was reviewing my credit. I have tried to call the creditors to explain but it was futile. I am working with 2 police departments and have filed at both. So far, I've only obtained an initial report from one. I have talked to the lenders of the vehicle along with the dealership where it was purchased. I have been trying to rectify this situation with the creditors to no avail. My credit is severely damaged and I have lost earnest money that was put forth on the house I was about to purchase. The house was going to be our new home after our recent house fire ; however, we ( my husband and kids ) can't even rent a home at this point because of this horrible situation. All of this occurred right before the closing date of the new home. The creditors have not removed this account from my credit report and I can not update the recent dispute I have with the creditors to update them on the matter with evidence supporting my claim. The comment I left on my first dispute was incorrect and I can't fix that either. The vehicle will be repossessed and sent to my credit report before the dispute has even cleared, causing me and my family further damage.
Product: Credit reporting or other personal consumer reports

I wrote letters of dispute for collection accounts no original contracts were provided nor was my personal information was update with old information deleted I had been a victim of identity theft during covid. Requested alert and freeze non was applied and approved. In said letters I explained I was homeless during covid for 3 years and my information was stolen in a shelter. I never received any information or updates to this but a letter stating they had a security breach and my information was once again compromised. These issues have caused me and my family severe credit and financial abuse to where I am unable to secure business grants and loans to grow my company. I no longer wish to have Experian delete and remove all personal information from there data base. I request that they are not allowed or banned from accessing anything regarding my person
Product: Bank account or service

I have a business account with Bank of America and as I was reviewing my account on line I realized that some company debited my account 3 times for a total of {$590.00} from my account with out my authorization. I called B o A and file a claim, and received a temp. credit for {$590.00}. Now B of A is sending me a letter telling me that they have made the decision of charging me back the {$590.00} because the charges are valid. I called two weeks ago and requested to speak with some one regarding this issue. I told them that I never authorized those charges. Today I received a second letter telling me that again they are charging back the {$590.00}. I requested again to speak with some one and I was told that some one may call me back but that it was not for sure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Voluntary surrernder of a manufactured home in XX/XX/XXXX as part of the agreement between my wife, myself and the seller XXXX XXXX XXXX. There was a balance due and paid for the amount of {$1000.00} around XX/XX/XXXX or XX/XX/XXXX. This account was disputed with all three credit reporting agencies and resovled because it was keeping me from the purchase of my new home. Now it is showing again on my Equifax credit profile as a debt of {$1000.00}. This account should n't show on my credit profile at all and if show it should read current and the account should be noted as a voluntary surrender.
Product: Credit reporting or other personal consumer reports

Company Eastern Account System has responded on XX/XX/XXXX complaint # XXXX. Company has advised validation of debt letter has been sent on XX/XX/XXXX. I have never received this letter therefore I do not consent or agree to the assumption of this debt being owed by myself. I dispute all parts of this debt as your company has never provided information by XXXX mail neither now or have I received anything on XX/XX/XXXX. As advised I have verbally through dispute advised Eastern Account system is in violation as it has been provided that this account is in litigation. As your company will be able also responsible for not acknowledging this guideline per the FDCPA. I advise all parts of this alleged debt be removed as you have not provided proof or provided written validation of this debt pursuant to the FDCPA on debt validation. Failure to continue to furnish my consumer report all violations shall be brought up in a lawsuit with the company