23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 1. XXXX XXXX account, # XXXX XXXX. XXXX XXXX XXXX account, # XXXX 3. DEPT OF ED/XXXX account, # XXXX 4. XXXX XXXX account, # XXXX 5. XXXX  XXXX XXXX account, # XXXX 6. XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries listed below, which were the result of a data breach. These accounts were opened without my knowledge or consent, and I am formally requesting their removal from my credit report under the provisions of 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans with co signers to attend for profit online schools such as the one I attended, XX/XX/XXXX As a matter of fact, XXXX XXXX XX/XX/XXXXXXXX was investigated Because of the numerous claims of fraud and misconduct it was a part of the consumer fraud class action schools. I was able to file a Borrower Defense claim with the Dept. of Education againsXX/XX/XXXXXXXX and my XX/XX/XXXXXX/XX/XXXXof {$23000.00} were discharged and my credit repaired.

My Borrower Defense Claim was also part of the XX/XX/XXXXXXXX settlement for which I was a full class member. 
I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the earlyXX/XX/XXXXThese private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll.XX/XX/XXXXXXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I noticed 3 fraudulent charges on my account : for merchant XXXX on XX/XX/XXXX, in the amounts of XXXX and XXXX, and for merchant XXXX XXXX, on XX/XX/XXXX, for XXXX. I called many times trying to flag these fraudulent charges. When I first started calling it was impossible to get through at all -- there was a message just saying something like, " we are very busy during this transition from XXXX to XXXXXXXX XXXX, and just can't talk to you right now. '' Then I made many more calls. After getting disconnected many times, and getting transferred all over the world, I got charge from XXXX XXXX taken off, but not the others. But please note that they never gave me any provisional credit while there investigations were underway. Over the rest of the summer I made numerous calls, got disconnected and transferred countless times, was told the complaint had been investigated numerous times, and was never issued a provisional credit. At no time did they ever send me an email acknowledging any of this, not even when I filled out the fraud form on their websited ( screencap attached ). Finally, around XX/XX/XXXX, they removed the remaining fraudulent charges. Then, after I called again, got disconnected, transferred, etc., they removed the late charges they had spuriously charged to my account. But AT THE SAME TIME, they reported my account as delinquent to one or more credit bureaus. I just called and spent hours trying to get them to do something about this. The answer was, you guessed it, no dice, we are doing nothing. 

This is the worst credit card I have ever used, in 27 years of using credit cards. It's both XXXX and XXXX XXXX that are at fault, though XXXX XXXX had the temerity to tell me that it was all XXXX XXXX fault. The only other time I had similar trouble in getting fraud prosecuted was when I was living in XXXX XXXX around XXXX, using the debit card for a XXXXXXXX XXXX. So the fraud protection this card offers seems to be comparable to the standards of the developing world around the turn of the century.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB complaint was a follow up just for assurance that the XXXX, Equifax and XXXX Credit Bureaus will not be negligent and will know that this topic was urgent. As I can tell that someone has stolen my identity. I filed a formal report to the FTC, and in accordance with the provisions of FCRA XXXXection 605B ( 15 U.S.C. 1681c-2 ), I have included that report to this complaint and will do it again. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. 

LENDING CLUB CORP XXXX LENDING CLUB CORP XXXX I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are claiming this fraudulent account is mine. I have never had any goods or services with them or them they are knowingly and willingly reporting this fraud. They are also aware that my banking account was comprised and it was close due to fraud. They have caused me great damage and embarrassment also with emotional distress.
Product: Checking or savings account

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I TRIED TO OPEN A CHECKING OR SAVINGS ACCOUNT WITH CHASE BANK AND ALL 3 TIMES CHASE DENIED ME AN ACCOUNT DUE TO " MY " FILE '' WITH CHECK SYSTEMS. I CONTACTED XXXX XXXX AND GOT MY REPORT FROM THEM AND IT HAS XXXX ACCOUNTS FOR ME AND XXXX NEGATIVE REPORTS FROM BANKS AND MY WHOLE FILE HAS NOTHING ON IT. CHASE IS DISCRIMINATING AGAINST ME BY NOT LETTING ME OPEN AN ACCOUNT
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$580.00} INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX the Bank " Current '' started offering a " Build '' card that is designed to report your spending to your credit report. It acts like a credit card but in essence is a debit card designed to build credit. This did not appear on my credit report until XX/XX/XXXX. 

When it appeared on my Credit Report on that day. It shows I had a debt to Current in the amount of {$140.00}, it reported my payment of {$140.00} on XX/XX/XXXX as derogatory and showed as a debt. There is now a new account balance from Current on my credit report. Current shows that I in fact made my payment on time. 
The key thing to understand about this situation is I have autopay turned on. 
Autopay sets aside the balance and pays it each month so I don't have to worry about it. 

According to Currents Build Credit Card agreement section H subsection A states the following If you enable automatic payments, funds from your Secured Account will be used to pay up to your Total Due automatically twice a month : the first ( XXXX ) and fifteenth ( XXXX ) days of each month when your Card Account reflects a Total Due amount outstanding ( the " Automatic Payment Dates '' ). 

I have autopay turned on. Current claims I made a late payment which is impossible since I have and use their own autopay. 

I have had a few late payments in late XXXX. In XXXX of XXXX I decided I was going to rebuild my credit with onetime payments. I went from a XXXX to XXXX by slowly paying off a credit card each month. I was looking for ways to supplement and improve my score and when Current offered a build credit card I saw it as a good way to build my credit. I placed my trust in them. 

When I noticed this on appear on my credit report on XX/XX/XXXX I immediately contacted customer support but did not hear back until XX/XX/XXXX when I was told that I made a late payment and denied that there is an account balance. 

There is in fact a debt from current in the amount of {$140.00}. It does not appear as a late payment. This caused my credit score to go down by XXXX points, My credit utilization increased and I lost financial opportunities due to this event. I have not been able to get any response from corporate after answering their emails and showing them that what they claim is true. 

a support agent told me the following. 
Our most recent reporting reflects your account status and payment activity up to XX/XX/XXXX. This means any payment activity that took place after XX/XX/XXXX, will be reflected during the following month after we provide an updated report to XXXX. 

Its also important to note that an account balance on your credit history is not the same as a past-due balance. Your Build Card account should be in good standing if youve fully paid off your past-due balance on time. 

according to their own agreement automatic payments are made on the XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX is filing a complaint against Transunion and XXXX Account # XXXXwho is reporting a charge off on my credit profile. A charge off is considered a certificate of indebtedness which means it is income and must be removed. Per the IRS charge offs are considered income and the reporting of this account is prohibited. I'm writing to dispute inaccuracies on my credit report related to the credit card account # XXXX. This account is being reported as a charge-off despite indicating that the debt has been cancelled. Continued reporting of this debt as charged off is inaccurate and misleading, in violation of the Fair Credit Reporting Act ( FCRA ) also according to the FCRA income can not be reported on a consumer credit report so I'm requesting a 1099-C ( Cancellation of Debt ) for this charged off account. Transunion reported the account charged off from XX/XX/XXXX to XX/XX/XXXX at which time they then started reporting it as 90 days late in XX/XX/XXXX, then 120 days late for the months of XXXX, XXXX and XXXX of XXXX followed by reporting as charge off again in XX/XX/XXXX this is both misleading and inaccurate. A charge-off is a one-time occurrence, and reporting it as recurring violates FCRA regulations. Transunion removed the account for inaccuracies and then reinserted it as verified information which is also misleading. Transunion and chase is also reporting a credit limit which is illegal being this credit limit can't be used and the debt has been discharged. XXXX and XXXX has done proper investigations and have removed the account which I have provided information of that in the attachments and I respectfully request that transunion do the same. 

Violations 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies must ensure all information is accurate and verifiable. Reporting a cancelled debt as charged off is inaccurate. 2. 15 U.S.C. 1681i ( a ) : The FCRA requires proper investigation and correction of disputed information. 


Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA )
Product: Credit reporting or other personal consumer reports

My identity was compromised because my id and social security was stolen a few years back and I've been having issue with fraud accounts being open my name.
Product: Mortgage

I am applying for a home equity loan through XXXX XXXX XXXX XXXX. They are asking for a current statement of account, PennyMac can not generate a new statement showing everything is current until XXXX. I will lose the opportunity I am requesting a loan for if it is delayed a month because PennyMac can not provide a current statement.
Product: Student loan

complaint against EDUCATIONAL MANAGEMENT CORP. I TRIED TO RESOLVE THESE ISSUES, THEY JUST SENDS ME A COPY OF THE PROMISORY NOTE. I ALREADY HAVE A COPY Standard loan of 10 years ( 120 pymt ) before I changed the loan term on 1XX/XX/XXXX to 24 months. My loans are fixed rate which accrues daily interest. 


On XX/XX/XXXX Conversion on both two loans from XXXX XXXX XXXX XXXX XXXX XXXX transferred to XXXX XXXX XXXX. XXXX Capitalization applied to both loans on dates XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. 
While making monthly payments, I missed XX/XX/XXXX. 

Unsub at 6.8 % and sub loan at 6 %. 
There's no way that one missed payment in XX/XX/XXXX ( there's no way 1 month daily accrued interest is {$1000.00} ) ( listed as Interest capitalization ). And sub loan at 6 % ( there's no way 1 month daily accrued interest is ( {$450.00} ) ( listed as Interest capitalization ) and sub loan. 

I kept on making monthly payments none of my extra payments went to principal balances on both loans. 
On XX/XX/XXXX I requested in writing, email and over the phone that my tqo loans terms be changed as of that day from 10 year to 24months. My unsub I requested that monthly payments be {$400.00} and Sub loan monthly payments be {$210.00}. I had 7 payments and this company violated the borrowers rights by changing # 1 AND # 2 loans to # 3 and # 4 loans and the terms, stating that it was FTC who authorized the change of the terms of my # 1 and # 2 loans. Changed in XXXX of XXXX to two new loans. 

I never requested any changes on my two loans nor called XXXX. Now come tax time, I received a letter via email stating that tax year XXXX interest was only {$220.00} ; This amount does include payments you made toward loan origination fees and/or capitalized interest on loans made before XX/XX/XXXX. I have never had any loans inXX/XX/XXXX at all. 

BATE and Switch Recipient 's lenders name on another 1098E for tax year XXXX ( Student Interest received by lender ) ( {$1200.00} ). 

XXXX, sent to me for tax year XXXX interest was only {$220.00}. 

Now, I have been making payments to XXXX and receiving 1098E from XX/XX/XXXX-XX/XX/XXXX incorrect reporting interest for each tax years. 
This company turns around and have there apparent company Educational Credit Management Corporation. 

Once again this XXXX XXXX mentality taken advantages of XXXX XXXX XXXX borrowers economic income while paying off actual loans that I owed.
Product: Payday loan, title loan, or personal loan

I have a title loan and I am 2 weeks late. I have received phone calls up to 6 times a day. I provided XXXX references to the loan office but today ( XX/XX/2020 ) I received phone calls text messaged and the manager messaged me on XXXX, these are not my issue. My issue is that the office manager took it upon herself to contact my ex-husband 's wife and told her all my financial business. I did not have my ex-husband as a reference and clearly would not have his wife as one. She took it upon herself to look me up and who was linked to me based on my past, who was linked to my ex-husband and contact them. This is a violation of the FDCPA and would like this company 's practices looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX  violated my 609 rights by reporting incorrect information to Experian regarding my credit profile. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX Auto Fin, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my date of birth, address, names, and employers corrected on my report as this is a violation on my consumer protection rights.
Product: Credit card or prepaid card

On XX/XX/2018 I received a solicitation in the mail to apply for a XXXX XXXX credit card issued by XXXX XXXX. They were offering {$75.00} bonus money if I spent {$500.00} in the first three months ( {$25.00} credit with my first purchase, {$50.00} after spending the {$500.00} ). I applied online and was approved on XX/XX/2018. I received and began using the card on XX/XX/2018. I received the initial {$25.00} bonus credit from the credit card company on XXXX-18. On XXXX-18 I had charged over {$500.00} and paid the amount in full on XXXX-18. I have not used the card since then. I waited to receive the second bonus payment of {$50.00}, and when I didnt receive it, I emailed the company on XXXX-18 and again on XXXX-18 asking where the bonus money was and was told they would look into it. On XXXX-18 I received a letter in the mail stating that my request had been processed and to allow up to two billing cycles to receive my credit. I finally received the credit to my account on XXXX-18. On the same day, I tried two different times to use my credit card to spend the {$50.00} credit and was told my card was declined. I called the customer service number on the back of the card, and after going around and around in the automated loop for what seemed like an eternity, I finally reached a real person. She said that my card had been blocked and she would transfer me to the department that handled that. When she did, an automated message said that number is no longer in service and it disconnected. I just went online trying to access my sent messages to get the correct dates to file this claim, and for no reason it logged me out. I believe I am getting the runaround because I no longer use the card, and that they are purposely making it impossible for me to get the bonus money that they owe me.
Product: Credit card or prepaid card

Bank of America prepaid refuses to return all my money clearly violating there own policy it's my XXXX  and there treating me like a criminal... ..I have filed several claims with these people.. I have been XXXX, homeless, starving and stranded because they don't want to pay.I filed a claim months ago now some of the claims are lapsed and they won't I'm in XXXX Missouri, not Iowa not California ... .The amounts and dates they refuse to pay for are XXXX XX/XX/XXXX Iowa,XXXX  {$600.00} CA,XXXX {$200.00}, {$200.00}, {$77.00} Iowa XX/XX/XXXX {$300.00}, {$300.00} , {$23.00}, XX/XX/XXXX XXXXiowa, XX/XX/XXXX {$200.00}, {$200.00} Iowa, XX/XX/XXXX {$200.00} XXXX XXXXiowa This was just the half they won't pay they gave me {$650.00} like that was gon na make me happy or something.They refused payment twice and I got ta keep filling for it
Product: Credit reporting or other personal consumer reports

I make the following claim to request the elimination of the following events that were published in my credit reports without my authorization and that impactfully affects the acquisition of assets and benefits for my family and myself. 
Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Commencing on or about XXXX, 2023, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my CashApp account to fraudulent investment firm ( s )