23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Ed Financial is my federal loan servicer. Back when XXXX XXXX 's loan forgiveness program was announced in the Fall of XXXX I refunded {$8200.00} from Ed Financial and received a check 1 year later in the mail for this amount from the XXXX Treasury. 

After a year of waiting, this check flew out my window on a busy city freeway on my way to the bank, never to be seen again. 

Back in XXXX of XXXX I had them cancel the check and start the process for sending me a new check. The Check Number was XXXX. It is now XXXX of XXXX and I still don't have the money. 

I was finally fed up enough to file a complaint through this service earlier this year. Only then was my claim for a new check put under " emergency status '' on XX/XX/XXXX. After about a week in emergency status it finally changed from pending to " under review '' but hasn't updated in over a month now. I call Ed Financial every other week now and I get a different answer each time. 

Multiple times they have told me they are finished with it and have sent the info off for the XXXX Treasury to re-approve. But when I then call the XXXX Treasury, they confirm that Ed Financial has NOT re-authorized for them to re-issue the check and still has not reviewed my claim. I called again this morning and the Ed Financial XXXX said they have NOT re-authorized it, just like the XXXX Treasury told me. 

Every number I call tells me they can't help and I've been missing {$8200.00} for nearly 2 years now... I really need this money, and instead I'm being charged interest on money they never refunded me. So I'm filing another complaint in hopes that something changes. I don't know what else to do. 

Who else can I contact about this? This can't be legal. Every time I call they say nothing can be done and I just have to wait, but also say there is no turnaround time they can predict.
Product: Credit card or prepaid card

Back in XX/XX/XXXX USAA switched me from a XXXX to XXXX card. However, their payment system still showed the defunct XXXX with a XXXX balance. I accidentally paid the XXXX {$2000.00} and their system accepted it - even though there was NO balance on it. I paid off the proper accounts and USAA refunded the {$2000.00}. But, a negative {$2000.00} appeared on the defunct XXXX when it should show XXXX - and why is the card they shut down still being shown on their payment system is beyond me. Service rep made up some story about " banks hitting the card ''. The {$2000.00} was removed from the XXXX and is now on the XXXX  card with fees and interest. No description as to what it is or where it came from.
Product: Checking or savings account

I recently tried to open a business account last year & I was told by NFCU that a check was deposited into my account years ago. My account was then overdrawn, closed, and the amount was never paid back to the bank. I have sent in several statements in this regard because someone tried to open a XXXX XXXX  XXXX account in my name as well. After doing my own personal research, I found out that scammers are at a all time high since the pandemic. I've been trying to correct all of my credit reports since last year. Any overdrafts on my consumer file should be paid in full. I should not any outstanding balances with any financial institutions.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint and Request for Removal of Improper Charge-off XXXX XXXX XXXX XXXX XXXX I am writing to formally contest and demand a prompt investigation and deletion of improper charge-off entries reported by a third-party collection agency on my credit report. These entries have significantly damaged my financial reputation, preventing me from obtaining a home mortgage, an auto loan, and additional credit lines. 
It's important to note that I have never had a contractual agreement with this collection agency. Their reporting of my credit data without a contractual relationship is not only unfounded but also violates several legal standards regarding credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The charge-offs reported, which are effectively claims of debt I have not acknowledged, are listed on my credit report without my consent, clearly breaching established rules of lawful credit reporting. Also know as certificates of indebtedness.

2. **Failure to Provide Form 1099-C** : The agency did not supply me with Form 1099-C for debt cancellation, crucial for correct tax filing and IRS compliance. This failure exposes me to potential tax non-compliance risks.

3. **Violation of Privacy Rights** : This reporting breaches the Privacy Act of 1974 ( 5 U.S. Code 552a ), which offers strict protections against unauthorized disclosure of personal data.

4. **No Contractual Relationship** : There is no formal agreement between me and the agency, making their credit reporting a direct violation of my consumer rights.

5. **Opt-Out Rights** : Per regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am officially withdrawing any implied consents for sharing or reporting my credit information.

Considering these issues, I request an immediate review and removal of these erroneous entries from my credit report, along with written confirmation of this removal. Please be advised that I am ready to pursue further action, including legal measures, to correct my credit information and defend my rights.

I appreciate your prompt attention to this critical issue and await your swift action and response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XX/XX/year> Hello, I have recently obtained a copy of my TransUnion, XXXX, and XXXX credit report. It showed a credit inquiry by your company that I do not recall authorizing. It is my understanding that you are not allowed to put an inquiry on file unless I have given you express authorization. Please REMOVE these inquiries from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit. 
I need your prompt response to this issue. Please be so kind as to forward me documentation that you have already had the unauthorized inquiry removed. 
However, should you find that I am remiss and that you did have my authorization to inquire into my credit report then please send me proof of this fact. 
Thank you very much.
Product: Debt collection

company named ARA contacted my elderly mother and spouse. XXXX message said I had XXXX counts of check fraud. Another message stated I had XXXX counts of fraud. I contacted them XXXX/XXXX/16 to discuss. My mother and husband forwarded me messages they sent in regards to the matter. They stated consider the message my notice of suite XXXX The problem is I am unaware of what the debt is and why it was considered fraud. I have reported it to the Ohio XXXX XXXX office. They have XXXX different case numbers. The numbers are XXXX, XXXX, XXXX ( as of today ) They have threatened to serve me at my job and home. the numbers for these collections are XXXX ext XXXX and XXXX ext XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit bureaus have kept this account open for the last couple years without verifying AFTER I sent them MULTIPLE letter asking for them to verify and THEY CAN NOT. 

This is with XXXX XXXX XXXX for the amount of {$1100.00} One XX/XX/2020 I sent 3 letter to all 3 bureaus. 
One to XX/XX/XXXX One to equifax And one to XX/XX/XXXX And they are not verifying anything. Section 609 requires them to verify and since they are not verifying they must REMOVE from my account IMMEDIATELY. 

I AM TIRED OF THIS.
Product: Debt collection

Knight Adjustment Bureau ( KAB ) is a debt collection agency trying to collect a debt and employing tactics that are possibly illegal and unethical. 

XXXX filed a lawsuit in XXXX XXXX XXXX XXXX XXXX XXXX but failed to properly validate the debt since KAB is not the original creditor.

I asked KAB to provide information on how the debt was obtained and how much was paid to obtain the debt.

It's possible that I had insurance on the debt provided by the original creditor etc.

KAB is trying to collect about XXXX times more than what they claim I owe but again, failed to validate the debt properly by not providing me with all the necessary details on how the debt was obtained.
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Vehicle loan or lease

On XX/XX/year>, I initiated a payment from my XXXX account to Santander Consumer, INC for the amount of {$42000.00}. On XX/XX/XXXX, I contacted Santander Consumer and asked about the payment and was told they do not have it. Knowing the payment was sent by mail I assumed the payment was lost. I stopped payment on that check and immediately send check # XXXX in the amount of {$42000.00} ( that payoff good until XX/XX/XXXX ). On XX/XX/year>, the check for XXXX cleared my bank. On XX/XX/XXXX, I log onto the Santander website and see my payment has not been posted and my account balance is {$42000.00}. I contacted Santander Customer Service who told me, We see the returned check and the check that cleared. Unfortunately, we haven't had time to process the payment to your account. We will need to complete a request to have your payment applied to your account which can take seven to 10 business days. All the while, the interest of my account is rising daily.
Product: Credit reporting or other personal consumer reports

I have all these hard inquiries on there that I did not authorize messing my credit score up
Product: Credit reporting or other personal consumer reports

Equifax Data Breach Settlement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As i have been a victim of the Equifax Data Breach and identity theft please refer to CFPB Complaints submitted XXXX XXXX XXXX XXXX  I have attached complaints, Claims sent, and proof of package sent to Equifax Data Breach Settlement, cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As I plan to seek litigation as this has gone on too long without resolution as this is my final attempt as a declaration
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my Complaints # XXXX, XXXX, and XXXX, I found out that it was closed last XX/XX/XXXX. Again, it has been drawn out into the open that the 3 credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the credit bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here is the list of unverifiable items found on my credit report : XXXX XXXX Balance : {$1400.00} ; XXXX, IL XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602A. 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 an account without my written instructions.

15 U.S.C 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 items 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 not 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: Debt collection

I have been making payments for 6 months to the original creditor but I was harrassed constantly on the phone by his collection agency, and this collection agency is attempting to bully me into paying them by illegally reporting a collection debt on my credit report.
Product: Debt collection

On XX/XX/XXXX this company was contacted after I noticed a new collection as been added to my account 3 years after filling bankruptcy, after speaking to the representative he stayed he calling on the behalf of XXXX XXXX XXXX to collect a debt, I asked from how long ago was this debt the representative stated XXXX, being in the the collection agency field they should known anything after 7 years a debt is obsolete let alone 21 years. I kindly told the representative I will have my bankruptcy lawyer look into this, he stated I should file a complaint CFPB and we will file our own claim in court for not following the Fair Debt Collection Practices Act
Product: Checking or savings account

I deposited a check ( balance transfer from one of my credit card ). The check was cleared but capital one bank froze the funds. When I contacted bank they said it was red flagged. When i visited branch the manager who was not bit helpful and advised to call 1800 number. Representative at 1800 said I need to wait for investigation to be over which can take upto 2-3 weeks. Once its they will close my account and send a check. There was emergency with me that why took a loan from my credit card and paying interest and fee for balance transfer.
Product: Credit reporting

Went to free anual credit report site. Got my XXXX and XXXX reports. However Experian gave me a response that they already gave me my report. I have attempted to contact Experian by phone and internet to no avail. All options are automated and they ALL want me to input a valid credit card and agree to be charged. Anything else either links me back to the freecredit report site just hangs up on me after telling me to go to the free report site. This same thing happened last year. Then I was able to get ahold of a live person and get this resolved. Not so this year, so they are in violation of the Fair Credit Reporting Act and I wish to file a complaint.
Product: Debt collection

Bayfield Financial LLC has sent me a subpena on a debt I paid in XX/XX/XXXX when It was discovered that I was not approved to live in the home I now own and have owned since XX/XX/XXXX- Once I showed proof I paid these creditors I was approved to move into my community. It was paid with XXXX cashiers checks totaling somewhere around the negotiated price of {$860.00} from XXXX XXXX bank which no longer exists. XXXX took them over. I contacted XXXX and they have no records and if they did, do not go back that far for cashiers checks. Now after 9 years they are claiming I never paid it and I owe {$8000.00} some dollars. After 9 years I have no more documentation of this - I shred all papers after 3 -5 years depending on what they are. I have never been contacted by this company in the 9 years since and all the sudden a lady shows up at my door XXXX day with a letter addressed to my maiden name and tells me to sign and show up in a makeshift court in a weeks time.
Product: Credit reporting, credit repair services, or other personal consumer reports

print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXUnder Dispute XXXX XXXX/XXXXDispute XXXX XXXX  XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX  XXXXXXXXDispute  XXXX  XXXXUnder Dispute XXXX XXXX XXXX  XXXXDispute U.S. DEPARTMENT OF EDUCATIONUnder Dispute U.S. DEPARTMENT OF EDUCATIONUnder Dispute XXXX XXXXUnder Dispute XXXXXXXXUnder Dispute
Product: Debt collection

On XX/XX/XXXX th I contacted the merchant to dispute the validity of this debt because I wouldnt ever use a company like XXXX XXXX and the fact that its XXXX that means this card is designed for poor people I have outstanding cards and credit I never missed a payment in my life since coming to XXXX XXXX XXXX I XXXX this company and tried to let them know this debt doesnt belong to me they refused to treat it as a fraud case
Product: Credit reporting or other personal consumer reports

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


XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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 an account without my written instructions.
Product: Debt collection

Co-signed a lease to start XX/XX/XXXX at XXXX XXXX in XXXX XXXX, Tx XX/XX/XXXX Gave 30 day notice of lease termination XX/XX/XXXX Amended notice of termination notice to 60 days as required by lease XX/XX/XXXX Keys were returned via XXXX and apartment was vacated- have proof of del. 
XX/XX/XXXX Received text from XXXX XXXX  asking if keys were returned XX/XX/XXXX XXXX from XXXXXXXX XXXX sent text back stating that she did receive keys XX/XX/XXXX Was turned over to Columbia Dept Recovery LLC - DBA Genesis collection agency stating that I owed money to XXXX XXXX because we moved out on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am working on getting a home loan, within the last few days before closing ( XX/XX/XXXX ), The underwriter did a soft pull of my credit ( FHA loan ), I was named as an authorized user of a XXXX XXXX credit card that I never personally authorized. The account holder defaulted on the account and as an authorized user ( of a card that I was never aware of ) had the closing of my home loan stopped in it's tracts. My loan agent advised me to have the credit card company remove me from the account so that they can re-score my credit. 
XXXX XXXX has removed me from the account however, in order for my re-score to take place, I've been asked to have a letter from XXXX XXXX to state " I have been removed from the account as an authorized user and this account is to be deleted and removed from all three bureaus and my credit report. After several phone calls ( XX/XX/XXXX ) XXXX XXXX wrote me a letter ( dated XX/XX/XXXX ) ( received XX/XX/XXXX ) stating that they have deleted me as an authorized user from the credit bureau report. I sent this over to my loan processor ( XX/XX/XXXX XXXX XXXX XXXX ) and received an email on XX/XX/XXXX from my loan processor that XXXX XXXX has informed them that the credit bureaus are not accepting the letter provided by XXXX XXXX. XXXX XXXX will not re-word the letter that they are looking for and XXXX XXXX won't accept the letter without their specific wording.
Product: Credit card

Citi Bank has failed to protect me against an overcharge from XXXX XXXX. The issue has continued for 3 frustrating months. I finally got the matter resolved and XXXX issued the credit in XX/XX/XXXX. Citi put the credit on my account and all was well for a week. 

Then Citi began sending me letters requesting information about the dispute. I sent them an email response saying the matter was resolved and they could cancel the dispute. Citi notified me XXXX XXXX I would be re-billed for the disputed amount since I canceled the dispute! 

So, I 'm back where I started with Citi and pulling out my hair. XXXX XXXX issued the credit, but Citi still ca n't get my account right. This is the worst customer service experience of my XXXX years. Citi 's lack of controls and oversight is inexcusable. I 've attached written correspondence with Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/2023 I HAVE FRAUD ACCOUNT ON MY CREDIT REPORT ACCOUNT NAME- XXXX XXXX  ACCOUNT # - XXXX BALANCE UPDATED- XXXX ACCOUNT TYPE- SECURED CARD STATUS- Account charged off. {$280.00} written off. {$280.00} past due as of XX/XX/2023 STATUS UPDATED- XXXX LAST PAYMENT- XXXX PAST DUE XXXX $ HIGHEST BALANCE- XXXX $ Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number- ( XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUND FOR REMOVAL " FAIRS CARE ACT '' 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX ] [ [ XXXX ] Equifax : [ XXXX XXXX ] [ XXXX ] XXXX : [ XXXX ) [ XXXX ]
Product: Student loan

I'm being charged interest on subsidized loans despite being in school for 6 straight years and currently being in grace period until XX/XX/XXXX. Nelnet says my schooling isn't reported as multiple programs over 6 years and the NSLDS website shows my max term for SULA was 1.5 years. I completed my XXXX XXXX degree in 4.5 years, with SULA i should have had up to 6 years ( 150 % of the length of the program ). Then immediately went to grad school with loans in deferment. I reached out to both Nelnet and my university in XX/XX/XXXX and was told there's nothing that can be done. My school showed me they reported my degrees correctly, Nelnet won't give me any information other than that my subsidy was lost after a year and a half ( so this would've been in XX/XX/XXXX or XX/XX/XXXX ) meaning I've been being charged interest on about 6 loans for 4 or 5 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I received a copy of my 3 credit reports and I found several items listed incorrectly on every one of them. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], as a consumer, I can dispute the items listed incorrectly.

I've disputed the method of verification by requesting from XXXX, Experian, and XXXX the following : The name of the courthouse The person 's name they verified the dispute with The documentation used to verify the dispute The process of Missouri Federal Bankruptcy Courts disburse consumer public information to credit bureaus I've received a response from the Missouri Federal Bankruptcy Courts relating to correcting inaccurate errors from credit bureaus. Missouri Federal Bankruptcy Courts as the original creditor, does not provide any information to credit bureaus. I've question the inaccurate information and I've believe my rights are being validation. Im planning to apply for a VA mortgage loan, and this unverifiable inaccurate information listed on XXXX, Experian, and XXXX is negatively impacting my ability to qualify.

Thank for your time and assistance, XXXX XXXX