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

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I was charged by XXXX XXXX XXXX ( XXXX ) for " Services Performed '' during XXXX separate emergency room visits to XXXX XXXX XXXX Hospital ( XXXX {$990.00} ; XXXX {$240.00} ). I asked several times in writing that they provide a description and some substantiation of these " services performed '' for each billing ... XXXX simply kept sending duplicate copies of their bills. Eventually they turned both billings over to a collection agency -- AR Resources. I 've asked this agency several times to provide a description and substantiation of the " services performed '' as well. They have sent nothing more than a statement of account ( twice ), listing invoices sent by XXXX for the first ER billing only. I still have absolutely no idea what " services '' these people performed during either XXXX of my ER visits that would substantiate these charges ( that are over and above what the hospital ER charged ). AR Resources continues to ignore my requests for substantiation of these debts and has reported both of these billings as " collections accounts '' against me to credit reporting agencies. I 've disputed these claims with XXXX and XXXX ; XXXX has removed them from their report ; however, XXXX states that these claims are compliant with the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the presence of unauthorized inquiries on my credit report. These unauthorized inquiries are negatively impacting my ability to obtain credit and apply for loans. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you promptly remove these unauthorized inquiries from my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Around 2001 I assisted to XXXX XXXX XXXX in XXXX XXXX. I paid a portion of my education monthly. However when I log in with my social security number to my federal account someone elses name appears on my account. I asked on many occasions for this to be investigated without results. Apparently someone else used my social security number to pay for their education. I have contacted all credit bureaus with pertinent proof and nothing has been investigated. This is affecting me in all ways posible on my personal life. The school I attended closed permanently and I have not received any help from anyone.
Product: Credit reporting or other personal consumer reports

I am writing to complain about the fact that I have contacted XXXX, TransUnion and XXXX Credit Bureau on several occasion about improper reporting of information in my credit report, but the problems continue. There are multiple violations of the Fair Credit Reporting Act ( FCRA ). Specifically, I am alleging violations under the following sections of the FCRA : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX ( b ), and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Hello, I did not open the accounts listed on my credit report. Please help me remove them immediately.
Product: Checking or savings account

SunTrust received funds deposited via check from another local bank on XX/XX/XXXX and XX/XX/2021. Funds from said deposited checks cleared within 1-2 days, yet SunTrust put an arbitrary two-week HOLD on the funds, preventing the owner of the funds from accessing them. 

As a result, multiple ACH transfers of those funds to a third party were denied by SunTrust. This resulted in significant fees from SunTrust and substantial financial consequences related to the third party entity that was expecting to receive the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey it has come to my attention Experian reported transactions on my consumer report between XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) ( XXXX ) and XXXX XXXX, so according to the fcra 15usc 1681a 2 a1 like in paragraph 3, the consumer report does not include reports containing information solely as to transactions, is excluded from the consumer report DELETE THIS TRANSACTION HISTORY FROM THE CONSUMER REPORT, or delete the late payment or items marked as late from my consumer report
Product: Credit reporting or other personal consumer reports

These requests don't have a place with me, and I have no relationship with the recorded loan creditors. I'm begging you to remove them from the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List account attached has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15USC 1681 Section 602 A States I have the Right to privacy.

15 USC 1681 Section 604 A Section 2. It also states consumer reporting agency can not furnish a account with my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

RAN CREDIT WITHOUT PERMISSION
Product: Debt collection

This organization started calling me yesterday XX/XX/22 while I was at work and again this morning while I was asleep. I returned their call to see what they were needing and before I could say yes I was who they were looking for or no, they started asking me to verify my personal info, SSN, mailing address or anything of that nature and I then ask before I disclosed any thing, what was the nature of the call. The response was that it was a personal matter. If it is a personal matter, then use the post office. I would have been more receptive if I was told who they were and it was an attempt to collect. They didn't need to say who or what was owed.
Product: Credit card or prepaid card

MILESTONE MASTERCARD I will LIST this Problem Description for an Easy Read : 1 ) Minimal Payment of {$40.00} Due On XX/XX/XXXX 2 ) Made Payment of {$200.00} On XX/XX/XXXX, at XXXX ( six days early ) 3 ) Payment Posted To My Milestone Account On XX/XX/XXXX, At XXXX 4 ) Payment was Posted To My Bank Account On XX/XX/XXXX 5 ) Payment Cleared Bank Account and Payment of {$200.00}. Verified As Received 6 ) Monthly Statement XX/XX/XXXX -My {$200.00} Payment Has Not Been Applied 7 ) Six Days My {$200.00} Payment Has Cleared Bank Account Balance Is $ XXXX 8 ) Day Seven - My Balance Is $ XXXX 9 ) Day Eight - My Balance Is $ XXXX XXXX ) Day Nine - My Balance Is NOW NEGATIVE $ XXXX! 
11 ) Day Ten - My Balance Still $ XXXX ( Call To Milestone - Will Clear On XXXX ) 12 ) Day Eleven - My Balance Is Still $ XXXX 13 ) Day Twelve - My Balance Is Still $ XXXX XXXX ) Day Thirteen - My Balance Is Still $ XXXX 15 ) Day Fourteen - Balance STILL $ XXXX DATE IS THE XXXX of XXXX! 

TAKING FIFTEEN DAYS TO PROCESS? THIS IS NOT MEETING THE DEFINITION OF " GOOD FAITH '' STANDARDS SET BY THE CONSUMERS FINANCIAL PROTECTION AGENCY! THIS IS UNACCEPTABLE!

If I had Known They Were Going To Take 15 Days To Process ( AND COUNTING ) ... Then I Could have Withheld {$35.00} And Bought My Prescriptions I HAVE BEEN WITHOUT XXXX FOR FIVE DAYS! 

They Told Me Funds Would Be " Released Tomorrow '' I Told Them I Needed My XXXX! They Spoke To A Supervisor! AND STILL REFUSED TO RELEASE MY LINE OF CREDIT >>> THAT! IS NOT FAIR PRACTICE OR GOOD FAITH THATS CALLED LEVERAGE! XXXX AND THAT IS NOT RIGHT! 

THIRTEEN DAYS SINCE THE PAYMENT WAS COMPLETELY POSTED AND FULLY CLEARED MY BANK ACCOUNT! - " CLEARED '' JUST CALLED THEM AGAIN STILL ON HOLD! I AM DISGUSTED - I NEED MY PRESCRIPTIONS!!! 
IF YOU PAY THEM FIVE DAYS EARLY AND PAY A THIRD OF WHAT YOU OWE AND GET TOLD IM SORRY FOR SIX PHONE CALLS
Product: Credit card or prepaid card

I had about 5 cards with synchrony bank. In XX/XX/XXXX, I logged in to make a payment and saw that all my accounts were closed. I have never missed a payment so I called each one and they said it was due to " high credit risk '' which pretty much is saying they don't want people to have credit and are punishing the customers due to the COV-19 which is very wrong and should not be legal. People should not be punished for something they can not control like COV-19 just cause synchrony is afraid of losing money. This negatively impacted my credit score then the reps for synchrony XXXX, care credit, and PayPal credit told me to reapply.  They won't let me with paypal and with both care credit and synchrony XXXX they approved but then closed the accounts before I could even activate it. That added 2 hard inquiries along with 2 more closed accounts. Action needs to be taken. Synchrony bank can reopen my accounts they closed without my permission and also without notice or else they can refund the interest charges I paid this is not how you treat your loyal cardholders who have always been on time and never went over or close to the credit limits and I would NOT recommend synchorny bank to anyone and if this is how they treat their customers people should boycott them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT ARE NOT MINE. I NOTICED IT BECAUSE I RECENTLY APPLIED FOR A CREDIT CARD AND I WASNT APPROVED SO IT PROMT ME TO CHECK MY CREDIT REPORT. THESE ITEMS LISTED ARE NOT MINE AND NEED TO BE DELETED FROM MY REPORT
Product: Credit card

I paid off my Lowes credit card balance to XXXX  and the following month Lowes is charging me {$23.00} in fees and interest. My balance should be XXXX. How do I owe interest and fees on a XXXX balance? I have paid more in interest and fees in the past year than the amount I charged and borrowed which is XXXX. Now I am being charged fees and interest on a XXXX balance after I have paid my XXXX bill down to XXXX? These XXXX corporations are out of control.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone initially started using first name and social to obtain medical treatment. In the late  XXXX  I had my identification including the social number and driver 's license information compromised. When I saw the damage, this fraudster did I almost passed out. Police did n't even want to help and directed me to government nonprofits to deal with the creditors, and credit bureaus initiated several disputes with Equifax,  XXXX , and  XXXX  over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. If feel like this mistreatment is racially motivated bc of the climate, were in. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer its there.     For example, there was a fraudulent account reported from  XXXX   XXXX  which I disputed a few months back, and now it is the second report and for DOUBLE the amount! Instead of  XXXX   XXXX , it 's now  XXXX   XXXX .     Companies like are one in the same, but neither one can help I think the credit reporting agencies are misleading millions of Americans and me. Thank you for helping me  XXXX  travel to   XXXX   XXXX  ,  XXXX   XXXX , and  XXXX  at least five times per year, and rarely check my credit report. Essentially because of my business, I live on  the road. R ecently after pulling my credit, I noticed some fraudulent accounts I did not open. Saw an apartment and some collections and loans. Freaked out when I saw it so I looked and could n't figure out what to do I have been researching the last year to know how to fix this. Hope this yields better success than just calling the collection agencies and bureaus.
Product: Debt collection

I have sent the company notice debt that I don't owe and the account was from the result of identity thief from XXXX to XXXX. I have provided the police report, a report from FTC, etc ... Also informed them that the info they have on my report needs to be blocked and deleted. They have not removed items and find them to be in violation of several codes. I have sent proper notifications in a timely manner giving them ample time to remedy the issue. They have failed to do so.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " XXXX '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Student loan

I am seeking a refund, as guaranteed by the Department of Ed, for the amount I paid to Navient from XX/XX/XXXX through XX/XX/XXXX during the COVID pause on my student loans. 

Navient was my servicer at the time. 

Navient says they are not able to issue refunds for loans that are no longer serviced by them. However, the Department of Ed has informed me that Navient should issue this refund, as they were the servicer of my loans during this time and received the payments during these months. 

Navient claims the payments can not be refunded because the loans were FFEL not owned by the ED. However, the Department of Ed announced that these loans WOULD be retroactively included in the forebearance and those who had made payments during the pandemic are entitled to a refund.
Product: Checking or savings account

I was using XXXX ( savings account app ) when acquired by Oportun. On XX/XX/2023, I was unable to login which prevents me from accessing my money. On XX/XX/2023, I called Oportun and was told " this program is not supported over the phone '' and to email tech support. XXXX initially responded and provided troubleshooting. I attempted the troubleshooting. It did not work and I notified technical support including screenshots. On XX/XX/2023, XXXX replied and asked me to do the same troubleshooting steps. When I shared that it did not work, they told me they would look into the issue and respond within two business days. The second day after not hearing back, I called into the company. I spoke with XXXX and he told me he could transfer me to XXXX support if I called back in 10 minutes. I called back in 10 minutes, and was connected to XXXX. She informed me that no such support line existed. When I informed her I was told the line existed, she provided a number for support. After calling that number, the person answered in XXXX and the rep shared it was a generic support line and they could not assist. I was connected to XXXX and I described my issue to him. He informed me there is no live support for XXXX and I should reply to technical support 's email again. I let him know that technical support is not replying to my emails. He informed me that is the only solution available to receive my funds. I asked to speak to a supervisor and I was connected to XXXX. I confirmed with XXXX that my money is being held by Oportun and inquired how to receive the money and was told I must email technical support. When I asked to speak to someone in technical support, I was told they don't take calls. When I asked about other departments, I was told I may only speak to him, XXXX. XXXX let me know that he filed an escalated complaint that would take 10 business days to address. I replied to technical support after their two day window and still no resolution. 
On Monday, XX/XX/XXXX I received a call from Oportun support. When I described my issue again, they informed me my issue could not be addressed over the phone. They gave me the same email address to reach back out to. It has been 8 calendar days and over 5 business days without access to my account or my funds.
Product: Student loan

I have submitted my XXXX loan forgiveness application. I worked from XX/XX/XXXX to XX/XX/XXXX at a low income school as a XXXX XXXX. My XXXX signed off to the fact that i fulfilled my contractual dates for 5 years completed at the XXXX XXXX. Due to the corona virus i left my school district in XXXX in order to keep my family safe and in tact. My loan borrower, navient, denied my application and will not allow me to appeal their decision. They are also still taking out automatic payments and incruing interest with the corona virus going on. All i really want out of this complaint is for them to forgive XXXX of my student loan for working as a science teacher in a low income school for the equivalent of 5 years that my XXXX signed off on.
Product: Credit card

The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my mental well-being, disrupting my sleep and peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX  account and on the bank website they offer your credit score thru a portal called XXXX XXXX. I have check my score every week for the last couple of years. Over that time my score has gone up slowly 1 or 2 points here and there. This past week when I checked my score it had gone done by 64 points. I waited a week thinking there my be a problem with the bank website ( XXXX ). Then I checked all 3 of my Credit Reports ( XXXX, Experian and XXXX  ) and nothing has changed on my reports except that my loan balances have gone down each month as expected. I did not submit a loan application, I did not request a credit card, I did nothing different. The only changes in my life that happened in the past year is that I retired XX/XX/2021 and I change Car Insurance companies on XX/XX/2021. I wonder if there is/was a problem with XXXX XXXX and that maybe it had been reporting inaccurate information. Any information that you can provide into the reason for this drastic drop in my credit score would be greatly appreciated, Thank you and have a great weekend. 

P.S. My Life ( XXXX XXXX ) score drop by XXXX points at about the same time. 

Email address : XXXX or XXXX Cell # XXXX
Product: Credit reporting or other personal consumer reports

a lot of inquiries that i dont authoraise, with out my promission, i try to calls all creditors and suscess or help