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

I submitted a dispute regarding a public record a few months ago ( 60 days approximately ) which was in writing via certified mail. The investigation resulted in no change and I inquired about how the dispute was investigated. I was informed a third party ( XXXX and LCI ) had provided information. I followed up with a second written dispute and provided supporting documentation showing an incorrect public record. I asked for a thorough investigation and explained why XXXX and LCI had incorrect information, as they only had access to Pacer and did not contact the record holder. I provided a statement from the original placer of the record and confirmed XXXX and LCI had not contacted them. After submitting the second dispute in XXXX the investigation was again closed without change and without reasonable investigation, so I opted for a 15 day reinvestigation, but was denied this right by the consumer reporting company who instead opened a new dispute and clearly stated they did not have to reinvestigate, even under XXXX XXXX 1681 and with supporting documents. The item was not removed as required by law during the reinvestigation period and I was told that my documents were not reviewed by the third parties XXXX and LCI. I would request the public record be removed as it contains an error and the consumer reporting agency did not investigate the claim properly.
Product: Money transfer, virtual currency, or money service

I sent {$XXXX} thru Zelle to a co-woker for my portion on a product we were attempting to purchase and it was never received. I lost out on the money and my co-woker never received the funds I was trying to send.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2018 I have been requesting an investigation into specifically 3 accounts XXXX, XXXX and XXXX XXXX and have been unsuccessful. They updated n XXXX just updated the report but provided no documentation or status update. XXXX should not be showing collections or late being that I was successfully enrolled in student loan rehabilitation program which should now be showing paying as agreed and NO LATE PAYMENTS. Also XXXX XXXX shows sooo many decrepancies. The last activity is different with all XXXX bureaus which reages the debt. Also the account numbers are different. They furnisher is clearly not following the METRO 2 COMPLIANCE therefore grounds for the bureaus to delete this account. The burden of proof is on the bureaus at this point. Please remove credit acceptance from my credit report.
Product: Bank account or service

On XXXX/XXXX/2016 I transferred money from Bank of America to Bank of America XXXX XXXX to create a XXXX Savings Account. A mistake on their part led to the account being canceled. Despite repeated calls to BOA XXXX Accounts, a visit to my local BOA branch and assurances that my money would be returned, I can not get Bank of America to return my money.
Product: Student loan

Every! Single! Time! I attempt to receive information from Fedloan servicing it is incorrect or simply " unavailable ''. I have been correctly and consistently repaying my student loans since I began payoff several years ago. Every time I submit my ECF form to update my payments, my estimated eligibility date is moved and my payment count is incorrect. I have fought with them on no less that ten occasions regarding my payment count and I still believe it to be incorrect but it is simply their word against mine. 

When I filled out my first ECF, after paying my loans for something like six years, I was told 2 of my payments counted on two of my loans and 15 counted on my other loans. This itself doesn't make sense because my payments have always included all loans. After disputing with several agents, all of whom couldn't give a rats about my problem, they updated my count. I still don't believe it to be correct, but at least its consistent across the board. 

This month, I have faithfully re-submitted my ECF for the year, and despite the payment history literally showing on my account, they updated my payment count to 7 ( out of 12 months ) and pushed my eligibility date out by 7 months. I believe the error is due to the fact that when I applied for forgiveness ( knowing fully I would be denied, in order to apply for TEPSLF [ what a XXXX  system! ] ) they updated my count. 
They updated my count in XX/XX/XXXX but the letter attached only counted payments through XX/XX/XXXX : XX/XX/XXXX to XX/XX/XXXX is 7 months, so that would mean XXXX-XX/XX/XXXX has been overlooked. 

Additionally, I am aware that I have had several years of payments under the Graduated repayment plan, which I know and understand does not count toward PSLF. However, Fedloan is unable/unwilling to give me that count, and will only tell me I am denied under TEPSLF. They will not give me an estimated TEPSLF eligibility date including those payments. So essentially, I need to guess at when I've reached 120, in order to request TEPSLF. If I am off my one month, my TEPSLF will be denied, and I will not know how far off I was. 

I am so tired of this company and would do anything to go back to XXXX. I understand this is a nationwide problem and this company has failed in every aspect of its responsibility. I don't know why the world will not stand up to this issue, and rescind the responsibility of this program from Fedloan. They can not handle this, nor do I believe they want to. 

For the love of God, please help us. We are desperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX XXXX  # XXXX has violated my rights. 

15 USC 1681 Section 602A I have a right to privacy 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not Furnish a account without my written instructions.
Product: Payday loan

I took out a loan from Spotloan in the amount of {$300.00}. On their website it says that it 's cheaper than doing a payday loan so I thought oh that 's great and then signed up. A month later when I was expected to pay, I asked how much it would be with the interest and they told me {$450.00}. {$150.00} in interest for a month??? There 's no way I can pay that. I 'm on a limited income. That {$150.00} would mean I ca n't pay for electricity or groceries for my family. I feel like this is very misleading of them to say it 's cheaper than a payday loan. A payday loan would 've charged me {$45.00}, not {$150.00}. So I explained to the company, both by email and on the phone that I could n't pay it and I was n't sure what the next step was. Since then I 've gotten phone calls at least twice a day and they keep trying to withdraw money from my bank account which creates {$32.00} fees for me each time.
Product: Credit card

Some one from this phone ( XXXX ) XXXX claims he is from collecting agency collecting a debt for XXXX XXXX. He has a first name and last name only. When I ask fro the middle initial he always refuses to tell. However he wants my birthdate and/or Social Security number. I will not give that information to no one over the phone. I had given him my middle initial a while back. I had told this person to stop bothering me for I pay my bills on time. 
The man I talked to name is XXXX. I called back to get the company name. 
I know there is a man with the middle name " XXXX '' that do n't pay child support or his bills. 
I was sent a court order from the state of XXXX for me to submit a DNA test. That 's how I found his middle name. 
I got tow calls from this individual today. I finally told him " if you think I owe you money suit me. 

I am tire of getting this calls from this people harassing me. He call XXXX today. XXXX call after the other. Can you please help?
Product: Credit reporting or other personal consumer reports

Transunion is reporting inaccurate information report XXXX XXXX with late payments and inacurate balance, open date and monthly payments. I asked for verification this account is mine and they never responded
Product: Debt collection

after repeated calls from this agency I tried to contact the collector -- I gave them my full name, billing address and their reference number -- I was attempting to settle this debt and they will not speak to me unless giving them my date of birth and social security number -- no way am I required to give this info and they refuse to move forward without it - thus causing unjust continued negative harm to my credit file i dont need there mouthy reps telling me its your bad credit i track all calls and have received 4-8 calls a day from this agency from multiple numbers that do not identify there the agency
Product: Checking or savings account

I used XXXX XXXX bill pay to pay my other lender, I used this service many times to pay same lender. On XX/XX/XXXX I noticed my payment didn't reached to lender as I had scheduled it. I informed Comerica via phone but they assured me it might me postal delay and it'll be there in few days. But on XX/XX/XXXX, I noticed my payment of {$8000.00} was cashed out via check no XXXX but it was not to my lender bank, when I notified Comerica Bank they said since it was fraudulent check cash, they have to investigate and will let me know about their investigation within XXXX months. I requested them to be accountable since this happened because of their negligence, as they release funds without conforming, if it was deposited to valid account or not. I requested them to credit {$8000.00} to my account, but they said I've to wait till investigation will be over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a {$240.00} account balance charge from XXXX XXXX on my report as of XX/XX/XXXX, stating that i have had the account open since XX/XX/XXXX ( XXXX yrs, XXXX mos ) when i do not owe a balance nor do i have an active XXXX XXXX account i had one which was closed and last report back in XX/XX/XXXX my credit limit on that account was {$400.00} and i had a balance of {$0.00} at the time of closing. This is damaging my credit report as I am actively trying to fix my credit Transunion has plenty of inaccurate things on my credit report which is affecting me from advancing in life i need to be compensated for this and these accounts need to be removed from my account immediately. I Feel as if my rights are being violated by these attacks on my credit reputation, I receive to may inaccuracies on a consistent basis.

15 U.S.C 1681i States : ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1681i also states : ( 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
15 U.S.C 1681n States : ( 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 ; I would like to be compensated for all of these errors and violations.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Debt collection

XXXX has been on my credit report for some time now, I dont know what it is because Ive never dealt with them before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had  XXXX  accounts with   XXXX   XXXX   XXXX   which have been paid off but  XXXX  will not update credit report to reflect paid in full. The  XXXX  account numbers are as follows :  1.   XXXX  {$2200.00}  2.    XXXX  {$5400.00}
Product: Debt collection

Mail and hurrasing phone calls. Pursuit to 18 USC 8, I owe no debt. This company is Violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my information pursuant to 15USC 1681 4
Product: Credit reporting or other personal consumer reports

Transunion has willfully and negligently continued to deny the block requests of survivors coming from my agency. I have attached a copy of the authorization letter to this correspondence. I, XXXX XXXX, am the authorized representative for the victims and survivors. 


TRANSUNION is declining the request to block information for XXXX XXXX  survivors. XXXX  XXXX XXXX is an accredited XXXX authorized by the XXXX XXXX XXXX XXXX. I have attached the XXXX XXXX to this complaint. These victims and survivors are being deprived of an equitable resolution under the XXXX XXXX XXXX XXXX  and Transunion is violating FCRA XXXX by delaying the process of blocking information within XXXX business days.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found accounts that i didnt recognize so i disputed them and they came back verified and accurate with no documentation provided that actually says the accounts are mines. my information was actually involved in a data breach and i filled out an ftc report due to the fraudulent accounts, inquiries and addresses. - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Which i will attach here. These agencies is in violation of 15 USC 1692g section XXXX. They were to notify of this is writing XXXX days prior, i was not notified. As the original creditor, only i can validate this debt. I do not validate this debt. Therefore the following accounts must be deleted from my report immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was fortunate to speak to a customer service representative in the executive offices, her name was XXXX. I explained my situation to XXXX and was given an email to provide some of my documentation to her. I received a call from XXXX XXXX on XX/XX/XXXX. We spoke for several minutes. During that phone call, I specifically asked him if Santander had a lien on my XXXX XXXX XXXX, on the State XXXX XXXX levels, he stated he was " Looking at where we do have a lien. '' He then stated he was going to send me that information and did not. I also provided him with my Revocation of POA, Beneficial ownership Rules and my lien I have on my XXXX XXXX XXXX. 
To date XXXX XXXX did not follow up with me, XXXX told me he " tried '' to call me back and that my XXXX XXXX XXXX was going to be sold XX/XX/XXXX. This report came on XX/XX/XXXX, after I called Santander Consumer USA. 
Santander Consumer USA does not have the legal right to sell my car. They have no collateral interest in my car, they are moving forward as if they don't know they are breaking the law. 
XX/XX/XXXX, I called to provide Santander Consumer USA with the information of the XXXX XXXX XXXX being placed in my Trust. I spoke to a customer service representative who accepted the XXXX number for the trust and explained that the new information should have been added to my account. Since those phone calls are recorded, there should not be any problem locating that phone call. 
If XXXX was paying attention, My trust is also the secured party on the lien for the XXXX XXXX XXXX. 
This case is not closed. 
XXXX XXXX, XXXX
Product: Checking or savings account

I signed up for a Citi Miles Ahead Savings Account after receiving an email with a promotion. The promotion states that if I opened a new savings account with {$10000.00} and kept a minimum balance of {$10000.00} for 3 months, I would received XXXX AAdvantage miles. After the three months I still had not received the reward. I contacted Citi multiple times through their online chat and the reps told me I just had to wait. That it would take 2 billing cycles after the 3 months for me to receive the reward. The last time I contacted them, the rep said they were submitting it to their research department to find out what I had yet to received the mileage reward. They have now contacted me and their conclusion is there was no promotion running. What?? I have it in writing from their representatives telling me I was signed up for it and that it was just a matter of waiting for the points to post. Then all of the sudden, they conclude there was no promotion. Citi is an absolute disaster. There were multiple other issues along the way with this savings account and this just the latest debacle with this joke of a company.
Product: Checking or savings account

Funds would be available, but next day I would be negative. What I used from account would come off my available balance, but they would over the smaller transaction for the next day which would make my account negative.
Product: Student loan

1ST NOTICE PHEAA continues to provide OUTDATED and UNTRUE information to the Credit Bureaus with extreme confidence. As of XX/XX/2020, my credit report says the account is CURRENTLY PAST DUE. This WAS true up until XX/XX/2020. A payment was made on XX/XX/2020 in the amount of {$360.00} to bring the account current. 

I have all the documentation to substantiate these claims.
Product: Vehicle loan or lease

I obtained a loan from Santander in XX/XX/XXXX. In XXXX of XXXX I became unable to work due to Medical issues. Santander has known about this for nearly a year, and My spouse who is also on the loan is the only one currently employed ; and has been at her employer for 3 yrs. We began to struggle with our monthly payments of {$540.00} on the loan. I have contacted Santander numerous times trying to find a way to get this current and even asked about a refinance ; Santander said they do not refinance their own loans. It is destroying my credit and causing more and more fees to be added to my loan amount. I contacted Santander again on XX/XX/XXXX and asked about a deferment or any type of help to try and bring the account current. I was informed they would NOT assist in any way, and that I must bring my account current and keep it current. This loan is a predatory loan and Santander needs to stop preying on those who are less than fortunate. I explained to Santander that I am currently looking for new employment ; but regardless, there is still an employed person who is listed on the loan ; in fact, my Spouse is listed as the Primary on the loan. We are being forced to continue to go deeper and deeper in debt with this company, and they are unwilling to offer any help ; in hopes to repossess the vehicle and keep us hanging for the balance. This loan is for a XXXX XXXX XXXX XXXX. Santander even sent a letter saying to call them and they may be able to help get the account current ; However, they are only concerned about us bringing the account current by FULL PAYMENT of the  past due amount, not by any assistance they are willing to offer.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple over draft fees i have in curred. Despite having sufficient funds when transactions were authorized, I was charges and credits. This issue aligns with the recent CFPB funding against navy federal for similar practices, where transactions settled with insufficient balances Despite initially available funds. I believe these practices are unfair and requested an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Please remove all unauthorize fraudulent accounts and inquires : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX fl XXXX. 

I looked at my XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 USC 1681 ( e ) ( b ) ). 
Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.