23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I presently wanted to enroll to a different college. After deciding to commit in their program I was automatically put in the student aid office process. There the loan advisor informed me of a Personal Loan obtain under my mother 's name when I enrolled at XXXX without my consent or her permission. No social security number was provided of hers and the only signature of hers provided was in fact in the copy of my birth certificate which I provided as US citizen proof. The issue is that a profile was generated for me and another for her on Nelnet loan Servicer website. Hers is titled as a Mortgage. Under FSA it's a PPL and the school no longer exist thus request I've submitted requesting signature loan application that I only sign have not been provided by Nelnet, which by the way manufactured the account illustrating Nelnet as the sole loan provider they claim she independently requested. That goes for account in my name. Get this : if I call to speak of the account in her name I'm denied since she has not notified that I'm allowed. So why didn't they notify her that they have an account in her name that has accrued subsequent amount in dept that legalized these businesses to profit margins stemming from causing debt I did attend XXXX did obtain aid. I need this corrected so that I pay it back. My two initial loans were XXXX. The program was XXXX. I worked for XXXX as a recruiter while studying the second half at XXXX XXXX N.campus. As incentive if ONE of my scheduled recruits were closed by a Licensed enrollment counselor my post graduate repayment obligations could reduce. ( 3 ) of my recruits committed. On the last day I was handed a bonus commission check for XXXX. Today according to Nelnet I owe XXXX. I thank you for your time.
Product: Money transfer, virtual currency, or money service

I am writing formally rxpress my concerns regarding Zelles handling of disputes in particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately they informed me that the recovering lost funds was impossible and that tracking these XXXX was infeasible The CFPB findings indicate that Zelle has not only neglected to protect consumers but has Also allowed repeat offenders to exploit the system leaving users vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Payday loan, title loan, or personal loan

I spoke to a Cash 1 representative on XX/XX/2022 and informed her that I was unable to be able to pay on that day due to unforeseen circumstances. She threatened to send my account to collections if I didnt pay. I informed her I need some additional time at which point she confirmed and she said she would follow up with me on Monday XX/XX/2022. On the same day I spoke with the that representative, XX/XX/2022, my bank account was charged the payment amount of {$570.00} and caused my bank account to go negative.
Product: Debt collection

I have reached out three times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to this firm that is representing XXXX XXXX. The first and second time through the Contact Us page on the Nathan and Nathan website and received the confirmation each time that said Thank you for your message. It has been sent. My third communication was through a direct e-mail to the XXXX XXXX XXXX XXXX. I have attached the e-mail sent to XXXX XXXX that also contains the substance of first XXXX messages and then the substance of the third communication. As a summary of the content of the communications : Invited the firm to e-mail me or write a letter to me in response to my concerns, but requested no phone calls Advised the firm I am permanently XXXX and only receive social security XXXX income Advised the firm I have no assets Advised the firm I have over {$50000.00} in charged off or soon to be charged off debt Advised the firm I have no ability to pay I understand this is not what they wanted to hear, but it is my unfortunate reality. I will be moving to XXXX XXXX  to live with my mom to save on expenses at the beginning of XX/XX/XXXX. I feel terrible about this and have been a XXXX XXXX customer for quite some time. I hope the firm and XXXX XXXX can find it in their hearts to not sue me. If the firm must collect money, my dad has said he can give me {$4800.00} total at {$400.00} a month out of his social security ( payments would be made directly by him ) to avoid me getting sued in California. If that is agreeable please send to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Report Account XXXX  XXXX  XXXX, Account Number XXXX, Date XX/XX/XXXX XXXX XXXX  XXXX XXXX Account Number XXXX, XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX, XX/XX/XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX  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 can not furnish a account without my written instructions.

15 U.S.C 1681 Section 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall nor 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: Student loan

XXXX XXXX received federal loans from XXXX  XXXX during XXXX. The amounts provided to me and the amounts paid to XXXX XXXX were not what I agreed to. I was misguided and advised I would n't have to repay because I qualified for full grants being a single mother without any income at the time. I graduated in XXXX and learned that I owed {$15000.00} to XXXX XXXX. XXXX XXXX went under closed in XXXX XXXX and XXXX so I had no where to go for records of such loan and grants. I started making payments to XXXX XXXX because I was being harassed via phone and email. XXXX XXXX went under and I did n't receive any correspondence from navient for almost a year. Then navient sent me a payment book with different information that did n't match the loans or amounts. I stopped paying them and did n't get anymore correspondence from any lender for XXXX months. XXXX I started getting collection letters from XXXX XXXX bureau and XXXX calls a day from different places trying to set up payment plans and or offers to help asssit me with high costs to get started. They 're requesting my bank account info and telling me my tax check will be taken and also sent a letter to garnish my paycheck at previous employer. At this point I do n't know who to pay if I even need to pay anymore or the amount. There are law suits going on for XXXX XXXX and navient.
Product: Mortgage

I am submitting an official Complaint through a cfpb investigate XXXX XXXX. also know us Wells Fargo Bank in regard of my mortgage the new allegations are they are the investor, creditor and or note holder I would like to clarify the nun have not been a victim off the fake account created by Wells Fargo. 

Loan # XXXX XXXX XXXX My last 4 digits of My S.S. XXXX B.O.B XX/XX/XXXX MY ADDRESS : XXXX XXXX XXXX XXXX Florida XXXX
Product: Debt collection

On XX/XX/2021 hunter warfield inc charge {$940.00} the amount that I did not own and already solve the situation with original creditor ( XXXX XXXX XXXX XXXX XXXX ) as well as with hunter warfield inc. I just found out recently that the amount still showing on my credit background check result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been trying to resolve multiple negative student loan accounts on my credit report. The Credit Bureau ( XXXX XXXX, Transunion ) are neglecting to verify/validate the accounts properly to determine which ones are duplicates or original. Due to poor and lack of investigation and communication I 'm requesting that all of the closed student accounts be removed. I have one student loan account and the negative accounts that are showing as paid off are hurting my scores. Also, there is a collection agency called XXXX XXXX account that 's showing on all three bureaus that has n't been removed after failure to validate the debt.
Product: Consumer Loan

I purchased a vehicle from an individual with a lien on the vehicle. XXXX cahier checks were sent via overnight mail and only XXXX check was applied - the other check is missing from Wells Fargo. I can not obtain my money back from the cashier check for 90 days. I do not have the vehicle, I am out {$7300.00}, and have spent countless hours on this issue. We ( the seller and myself ) followed the standard procedure for paying off the loan. Wells Fargo needs to be held accountable.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX report, and I noticed a late payment posted on my credit report : XXXX XXXX auto finance for the month of XX/XX/year> Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Credit reporting or other personal consumer reports

Kind Attn : Office of Consumer Affairs, Equifax I am trying to dispute and view my credit report on your portal, MyEquifax.com and other portals like Experian.com and XXXX All are reporting blank Equifax credit reports. 
My username on MyEquifax is XXXX You have messed up my credit reports, for which I sent disputes. I was monitoring my disputes online, but you decided to make it blank and unavailable to me. This is a malpractice. By what right have you stopped the online access to my own records?
Product: Debt collection

I logged into my XXXX XXXX account and have come to find a collection that is hurting my score! 
This is account is inaccurate and needs to be removed from my credit ( All 3 credit bureau 's ) immediately. 
I've been contacted and whomever spoke to me in regards to this was very rude and demanding.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3700.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$73.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX  XXXX Balance : {$4500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Optimum Outcomes Inc is the company. 
Ive spoken with this company multiple times about this collection. 
This is not my bill or collection in any way. 
They told me this collection was opened on XX/XX/XXXX. 
Ive tried to investigate what took place on this date and why is there a bill on my credit report. 
They then told me the collection was opened XX/XX/XXXX. 
The collection is {$540.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 1. SYNCBXXXX XXXX Account Number : XXXX XXXX 1. XXXX XXXX Account Number : XXXX I was checking on my credit report and found this accounts with incorrect information for having me a late payment. I was never late in paying my accounts. As shown above, it appears that I have late payments recorded in XXXX and XXXX with account name SYNCBXXXX XXXX with account numbers XXXX. Hoping someone will lend me a hand in updating and correcting the comments on my account ASAP! I don't want this will affect my reputation and will cause of serious harm not only my ability to establish credit and good interest rates but also to my character as a professional and as an individual. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon. 

I know for certain that this is a violation of the law as mentioned in the following : 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
And under 15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general 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 ;
Product: Credit reporting or other personal consumer reports

Bankruptcy, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX  filed as identity theft. Bankruptcy does not report to credit bureaus as stated in the letter
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) 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 The following inquiries are unauthorized : XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX  on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I pulled my report and noticed there accounts that I had no recollection of. I since have sent letters from XX/XX/XXXX to the latest XX/XX/XXXX to get this resolved. Each time they claim it was verified with no supporting documentation as requested. I have also noticed the dates are innacurate as well. They have a fall off of XX/XX/XXXX and XX/XX/XXXX when they both should actually be XX/XX/XXXX. This shows me that no one truly verified anything because this would have been corrected by now. I have reached out many times to them and they each time is a new excuse. They either can't ready my I'd which I have copies of everything sent. They have been unable to tell me who and how anything was verified and tell me just dispute it again and again. The system was down or could be pulled up or they weren't sure what I was asking of them. Each letter I sent does have tracking information as well that they did receive it.

Equifax has added and removed these over and over from what i can tell in my credit monitoring updates.

Attached is the accounts in question. Equifax has not sent me an updated report so I will upload experians. Looking at my credit monitoring it shows the same pattern and dates.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am filing this complaint independently, without any third-party involvement. Enclosed are letters detailing significant discrepancies in my credit report across XXXX, Experian, and XXXX. These bureaus have reported inconsistent and untimely information.
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/XXXX, a loan I have had with Avant, loan # XXXX, became delinquent by about a week. I began getting emails from Avant stating " do n't expose yourself to possible negative credit reporting. '' The email went on to state to contact them and a Payments Specialist will gladly assist me. They stated that " multiple payment options '' were available to keep me from damaging my credit. I make contact, not wanting my temporary financial situation to damage my credit, and they offer me a 3 month reduced payment option. After making the 3 reduced payments, which they arranged and suggested, I would return to my regular monthly payment. On XX/XX/XXXX Avant sent the 3 payment reduction arrangement via email. I make the 3 reduced payments as arranged. Approximately one week before my first full payment would be due again, another creditor asked during a business appointment if I was aware Avant was reporting me late, and showed me my credit report with three 30 day delinquencies. I contacted Avant and spoke to a gentleman named XXXX, who confirmed that I was indeed being reported late for each month I did not make a " full '' payment. I explained to XXXX that it was not noted anywhere in my temporary agreement that a result of accepting THEIR agreement offer would be that I would be reported late. If they had disclosed that to me, as I believe is required by the Fair Credit Reporting Act, I would have rejected the offer and found another alternative. I requested that they remove the late payments because they failed to disclose to me that their policy was to report late to the credit bureaus in spite of having a current payment plan, and they refused. I requested to speak with a manager, who would only confirm through XXXX that the policy was indeed to report late, even though they did not disclose this action would be taken. Since then, I have filed a complaint with the Better Business Bureau ( BBB ) in XXXX Illinois where Avant is headquartered, and through several back and forth communications through the BBB, Avant has continually answered my complaint that they failed to disclose their policy and plan to report me delinquent by saying, literally, " we also did n't tell you we would report you timely either. '' I feel that it is now necessary to take the next step an file a complaint with your agency. I believe Avant has broken Fair Credit Reporting Act laws by not disclosing to me that they planned to report me delinquent regardless of my temporary payment arrangement, and the emails they sent which purposely leads you to believe that contacting them and making arrangements would protect your credit, and their policy is to do the very opposite.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transaction settled with insufficient balances, despite initially available funds I believe these practices are unfair and request a investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX claims I owe them over XXXX $ but they have not certified any information or provided any data to me on what this debt is? I spoke to the company, and they could not clarify anything over the phone. I then mailed a certified letter requesting information on this debt and called again in XX/XX/2024. They never responded and stopped calling me, but could not prove anything about the debt. It, however, is still listed on my credit report. While I previously lived at XXXX XXXX, XXXX XXXX claims I owed money during my move out, and they bought " debt ''. I did not ever owe XXXX XXXX money, and our ledger was zeroed out upon moving.
Product: Checking or savings account

On XX/XX/XXXX, I paid {$99.00} to join a monthly XXXX membership with XXXX XXXX. We were supposed to have at least 2 monthly calls with her to help start a XXXX XXXX XXXX. She at the time was touring and did not fulfill her end so people started to dispute their charges and get refunds. This caused her XXXX  account to be closed so on XXXX she posted in the group, that the group would be closed and she initiated refunds for everyone for XXXX payments, and per XXXX, the refunds would hit our accounts on XX/XX/XXXX. Once XX/XX/XXXX came and went I disputed the charge via cash app and provided the screenshot of what she posted in the group regarding the refunds we were to get. On XX/XX/XXXX it was denied by Cash App, stating they found no error. On XX/XX/XXXX I submitted a complaint with CFPB in regards to this transaction and on XX/XX/XXXX cashapp responded again saying it was denied. Cashapp is not doing a thorough investigation as the merchant clearly stated we should be getting a refund for the {$99.00}.