23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I believe that Navient did not disclose full information regarding my student loan repayment options. I did not have enough money to make full payments on my student loans immediately after graduation ( XX/XX/XXXX ), I had called their help center and asked for options. I was only given the option of deferment. As a result, my monthly payments raised to {$360.00} by the time my deferment was over.
In XX/XX/XXXX, I called Navients help center again asking for a reduced monthly payment plan due to financial hardship. I was told that my only option was to sign up for a payment plan that would initially start me at payments of {$200.00} per month and after two years, would increase my payments to more than {$500.00} per month. I did n't like the sound of this plan and asked if there were any options to pay a lower amount over a longer period of time but was told that this was not an option. I accepted the revised plan but only made the minimal payments for two months during my difficulties. I have been making full payments since then which are extremely high considering the size of my loan.
Recent news articles about complaints over Navients repayment plans ( especially reports saying that I should have been offered other payment options ) have led me to believe that I have been illegally denied repayment options for my student loans. Please let me know if you think this is the case and if any legal action should be taken on my part.
I have attached my full payment history for this loan. Please let me know of any other documents you might need from me to help resolve this issue.
Product: Debt collection

Hey my name is XXXX XXXX and Im here to file a dispute against my credit because I was frauded and then had no access to my account or could get a new credit because of that I tried to get help they told me I had to pay when I told dem it was fraud could u just help me resolve this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted transunion regarding inaccurate information regaring a supposed public record. i possess no public record or bankrutpcy. the information upon conclusion stated " verified as accurate '' i contacted the source and was told other wise. they provided no information, nor was i provided tangible proof. the specious info must be removed. i contacted customer service and was advised to contact the CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX 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: Debt collection

On XX/XX/XXXX, I sent a letter to Diversified Adjustment Service asking them for validation ( not verification ) of a debt they had placed on my credit as a collection. I've never entered into a contract with this company. I requested an original agreement with my signature on it, an agreement between this company and the alleged original creditor, and I also asked for proof that they had a right to collect on any date in my state ( Florida ), as there's no proof that they are a licensed debt collector in Florida. On XX/XX/XXXX, the company responded with an itemized statement. This clearly isn't a validation of debt. 

On XX/XX/XXXX, I sent another letter asking for validation again. If not, I requested that the company deleted this from my profile. I asked for a reply or a deletion within 30 days. Today is XX/XX/XXXX, and this alleged debt is still on my credit profile causing serious damage. Also the company has not responded. I'm submitting this complaint because the company hasn't validated the debt, nor has it provided proof that it is even legally able to collect on debts in the State of Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these Inquiries reported only in my Equifax credit file. 
XXXX - XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - Transunion I have not received a response from compliant # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After observing my credit report and receiving prior security alerts. I observed a inaccurate fraudulent account in my name and also a hard inquiry on my credit file. I have in the past been a victim of fraud, have had my information exposed and leaks on the dark web and also through XXXX  data breach. Which I am currently awaiting a claim lawsuit. The hard inquiry that was detected and is inaccurate and not authorized by me is by XXXX/XXXX  on XX/XX/2020. A fraudulent account from XXXX XXXX  XXXX XXXX is also listed on my credit file and this account was disputed in the past and reappeared.Attached is documents from XXXX XXXX advising that they found my information in a application and notice that it was fraudulently done and the unknown individual couldnt verify the correct identity to access my information. But an account was still openeded via web. I am requesting for XXXX XXXX XXXX  to be permanently removed from my credit file as this is hurting my score and was unauthorized by me.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 Contacted XXXX ( XXXX ) Spoke with a representative by the name of XXXX. I requested a copy of the 1099-C form XXXX filed with the IRS. 

On XX/XX/24 an email was sent from XXXX with a copy of the 1098 form, after requesting a copy of the 1099- c form as well. 

Not only is this company committing security fraud, but they are committing tax frau das well. 

While I have received the 1098 form via email and mail, I have NOT received the copy of the 1099-C Cancellation of debt form that XXXX filed with the IRS. It is important to rectify this situation promptly to avoid potential tax implications and to ensure accurate reporting on my consumer report. 

If XXXX was able to send the copy of the 1098 form via email and mail, why are are they witholding the copy of the 1099 - C, and why wasn't a copy sent to me as soon as filing with the IRS? I am requesting XXXX to send me the requested documents per my request immediately. 

I am also requesting your company to cease requesting payments on an account that has been canceled debt. It is important to align with the FCRA, and IRS guidelines and accurately reflect the cancellation of debt status to avoid any further confusion or potential legal issues.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Consumer Loan

Nissan Motor Acceptance Corporation is refusing to provide a copy of the lien release documentation. The account was paid in full XX/XX/XXXX and as of this date I do not have the proper documentation to be able to get clean title in Colorado. The documentation was sent to the wrong state XXXX and I am now unable to get title to my vehicle in the state in which the vehicle is registered. NMAC has known about our change of address and state change since fall XXXX, but they did not update their records or advise that we needed to do anything different to update the title information.
Product: Credit reporting or other personal consumer reports

According to USC 1681a ( 2 ) ( I ) The term credit report is to exclude information solely as to transactional experiences between the consumer and the person making the report.

Furthermore, 1681 Section 602 states that I have a right to privacy. The Fair credit reporting Act also speaks about accuracy concerning consumers. The account dept of ed/nelnet does not appear on XXXX due to age. The accounts are still showing on XXXX and Equifax .This is a violation of Federal law. I am now ready to take legal action again against experience. All accounts need to be removed as this is a violation of 1681a ( 2 ) ( I )
Product: Checking or savings account

I've been banking with Chase for over 12 years. I recently had a hardship and accidentally overdrafted my account. I added money to XXXX XXXX in small amounts, not realizing I would be charged excessive overdraft fees. I thought I had overdraft protection on or it wouldnt allow me to add funds to XXXX XXXX. I was charged a total of {$230.00} in overdraft fees over a 6 day period. Three {$34.00} overdraft fees on XX/XX/2024 Three {$34.00} overdraft fees on XX/XX/2024 and one {$34.00} overdraft fee on XX/XX/2024. I am respectfully requesting to have these overdraft fees waived and returned to my account. Once I saw this happening I made the account positive and no longer in the negative. I never even overdrafted or took {$230.00} but the bank in error kept charging me {$34.00}, 7 different times. This is an unfair bank practice and your exploiting customers that are already dealing with a tough economy. Most banks dont even charge overdraft fees. Please help me and refund the excessive overdraft fees. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried for 2 days in a row to place a freeze on my credit report. However, I was unable to do so because the system says I have an account. When I tried to change the password it sent an email to XXXX which I closed on XX/XX/XXXX due to numerous spam, scam and phishing emails received daily because XXXX sold my personal info without my permission. I was unable to respond to the " code '' sent there because I no longer have that email address. Because I was unable to log in, I had no way to change the email address. I tried 2 numbers to call Experian to get a live agent. Both numbers sent me to automated system XXXX and disconnected me numerous times because I didn't want an AI system helping me! I needed a live agent to walk me through the process. They had no clear instructions on how to make the change myself either. I was able to successfully do the freeze on XXXX XXXX and XXXX. I could not get it done on Experian. Why?! I also was unable to get live help, again why?! This is not good business but I suspect Experian does not care. I tried to set up a new account and couldn't do that either. Why? Because the create an account link was not functioning nor responded at all. Do they care? I bet they don't! Their web site really sucks! I received a disturbing call from a scammer claiming they approved me for a $ XXXX unsecured loan with some fraud company in XXXX, WY. I was concerned since I've had 2 debit cards compromised with 2 financial institutions in XX/XX/XXXX that someone got hold of my info. I immediately placed freezes on my XXXX XXXX and XXXX reports. But I'm unable to do it with Experian which houses the bulk of my credit! So I'm more at risk with this bureau than the other 2!
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a follow up letter to citi bank about my identity theft with their company on XXXX and still have not heard back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the account in full in XX/XX/2021 and on XXXX  and Experian still showing a balance of {$1600.00}. Should be a XXXX  balance paid in full in early XX/XX/2021. I disputed this multiple times and it was never corrected.. 

Please update the account to the credit reporting agencies as paid in full.
Product: Checking or savings account

On or around XX/XX/2023 I rented a room at XXXX XXXX for one night-twice. I was refused service based on class and skin color so I canceled the room with XXXX and was promised a refund by the motel and XXXX for both bookings. To this day I have received only one of the refunds and XXXX is fighting for me, but my bank is refusing to give me my statement, stating that although I did get charged twice and only got one refund they do not provide statements for canceled or denied transactions. Now I can not get my second refund because XXXX needs my statement with both transactions listed to prove I did not get both refunds and my bank is refusing. Now my bank is stating my dispute was never filed even though I have an email stating it has.
Product: Credit card

To whom it may concern, My credit card company system or whoever is working on my credit card is not doing me know good than XXXX frustrating, stressing me out. As of today XXXX XXXX, my XXXX XXXX is XXXX because of what's going on my both truist bank credit card. All started when i received alert on my phone about transaction that i did not authorized on XXXX XXXX XXXX, i call truist bank credit card department and report it right away. The rep block my credit card and issued new one, the rep told me that. The transaction will be adjusted on my account the next day, three of the transaction was adjusted accept one which doesn't make any sense. I called truist credit card department to find out why three not all the four and the reply the rep give me was that. The person who is working on my account said he will adjust it and that's the end of it, truist bank system also automatically stuck with {$400.00} transaction i made in XXXX XXXX, pending for three weeks at same time automatically subtraction {$400.00} every three days. repeating adjustment transaction every week. I complain about this issue to truist bank headquarters by phone call over and over, i sent email to truist bank operation manager XXXX XXXX and and he replied saying, he will get back to me and that's the end of that too. I received a letter from truist bank on XX/XX/2024, on the letter it show adjust on my account total amount {$1900.00}. The adjustment was made XX/XX/2024, with case number and reference. As of today, nothing on my account, XXXX XX/XX/2024, i went to truist bank branch on my location to ask the branch manager to take a look into my account and tell me what's going on, even he the manager could not understand what's going on my account. The branch manager called truist bank credit card department and identify himself and ask the rep to look into my credit card account and explain to him what's going on. For our surprised, the rep could not figured it either, one of my truist credit card, the XXXX billing statement came to be four and the other one is two statement in a month. The available credit amount on one of my card should be {$4700.00}. and other one should be {$4300.00} available. I made a mistake on the amount i submit before.
Product: Credit reporting or other personal consumer reports

I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards.For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began a bankruptcy by taking the class required After taking the class and seeing how much it was going to effect me there was no point in following thru with the bankruptcy the paper work was never filled yet this remains on my credit Ive disputed with Experian and they say because there is a court record then it happened but you can see by the dismissal letter that no paper work was ever received by the court. That bankruptcy should not be on my credit because there was never a bankruptcy happened XX/XX/2019 Also the reference number they have on file Is incorrect
Product: Checking or savings account

My checking account was hacked via XXXX at Bank of America. XX/XX/XXXX I received a text from my Bank of America that a transfer occurred. Immediately I called the ( held XXXX minutes ) and told them it was not me. They told me they would freeze the account. While talking to them another one happened and the customer service person assured me they had frozen the account. XXXX more attempts happened in a few minutes. I called them again, " we are aware and stopped the charges ... '' they said. I have called the XXXX times, written to them XXXX times, and they allowed this fraud hack to happen anyways. the bank branches were all closed and every time I called it was a XXXX XXXX minute hold and they transfer you to someone offshore. I asked them to show me proof of their investigation and filed a Sherriff report but the officer said without the bank 's cooperation they have nothing to follow up on. The bank refused to provide who did the hack they only told me it was " XXXX '' a company affiliate. I finally filed small claims and the attorneys for the bank claimed someone in my family did this which is a lie. At the time in XXXX I was in college living with roommates and no one in my family even knew I had an account with Bank of America. Bank of America NEVER answered my written letters sent by USPS to XXXX XXXX the XXXX, and XXXX XXXX who is on their website. The bank makes it near impossible to contact them. The website only posts the XXXX toll free number which I called XXXX times - and the people on the phone do not help customers on purpose the bank does this to save money and not handle problems. The bank was required to write to me in 10 days, they NEVER wrote to me or contacted me about the hack. In small claims they provided a letter which has no return address, no email, no real person 's name to contact and the letter is dated XX/XX/XXXX. The date XX/XX/XXXX is XXXX days after I notified them not including Sunday as the bank is open to business on Saturday. The bank did not follow Regulation E and other federal banking laws. The hacker first stole a dollar then XXXX more charges of about {$800.00} - they tried to transfer {$1200.00} and {$2000.00} more but the bank stopped the larger transfers. I now have read in the news of other people who got hacked at Bank of America Corporation. The bank is aware of the problem but fails to provide adequate security to use this XXXX system. I never signed up for XXXX, and have now made sure it is not connected to any of my accounts. It seems that the bank is not safe and doesn't care a bit about me or it's clients. The bank had an attorney lie in small claims. I want the bank to reveal who stole the money, they know whose account it went in to and who did this but refuse to tell me and they are also required by law to disclose their investigation which they refused to provide.
Product: Credit reporting or other personal consumer reports

Im filing this complaint regarding the inaccurate reporting of an account by XXXX XXXX XXXX  ( Account Number : XXXX ) on all XXXX  XXXX  credit reporting agencies specifically these : XXXX, XXXX, and Equifax. ( and others ) Key Issues : Failure to Report the Sale of Debt : XXXX XXXX XXXX  sold this debt to a third-party collection agency, XXXX XXXX XXXX XXXX However, the account is still being reported by XXXX XXXX XXXX  as an active charge-off with a balance of {$460.00}. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 5 ), which requires creditors to accurately report the sale of a debt. 
Inconsistent and Inaccurate Reporting : There are significant discrepancies in how this account is being reported across the XXXX credit bureaus. The credit limit and balance usage are inconsistent, and the account status and payment history are inaccurately reflected. This violates FCRA Section 609 ( a ) ( 1 ) ( A ), which mandates that all information must be accurate and verifiable. 
Failure to Conduct a Reasonable Investigation : I have disputed this account multiple times, and each time it has been verified and updated without any substantive changes. This suggests that XXXX XXXX XXXX  and the credit bureaus have not conducted a proper investigation, as required under FCRA Section 623 ( b ). 
Legal Violations by XXXX XXXX XXXX : XXXX XXXX XXXX is sending me collection notices for this account despite the ongoing disputes and inaccurate reporting. This constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( 2 ) ( A ), which prohibits the misrepresentation of the character, amount, or legal status of a debt. 
Impact : The continued inaccurate reporting of this account has caused significant harm to my credit score and overall financial well-being. The emotional distress and financial damage Ive suffered due to this ongoing issue are substantial.