23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I filed a complaint ( XXXX ) against Navient on XX/XX/24 related to my private student loans, and its response did absolutely nothing to resolve my complaint. 

Per Navient 's instructions in its response, I contacted its call center on XX/XX/24 to " reevaluate my options '' and was told, again, that there is no deferment or forbearance option available to me, even though I was laid off from my job in XXXX and currently have no income ( I have filed for unemployment benefits but have not received them yet ). I was told that the lowest, interest-only monthly payment available given my circumstances is {$610.00}, which is slightly higher than the payment of {$610.00} quoted in Navient 's response. 

Even if I get the maximum unemployment benefit of {$430.00} per week/ {$1700.00} per month ), it will not cover my housing expenses of {$2100.00} that includes mortgage payment and HOA fees, so paying over {$600.00} per month in student loans is obviously not doable right now. I also have a car payment, credit card bills, medical costs, and support my daughter as a XXXX parent. 

Navient 's refusal to assist me by temporarily lowering or eliminating my student loan payment following an unexpected loss of employment will also ruin my credit score when delinquent payments start getting reported to the credit bureaus at the end of this month, and this will negatively impact my financial situation and my ability to contribute to the local economy for years to come. I can only imagine how many others in a similar situation are out there, and how big of a collective impact these practices make. 

If needed, I will contact the Congressman representing my District ( XXXX XXXX ), as well as my Senators, state representative, and applicable state government agencies and federal/state advocacy organizations to ask for their help in resolving this issue. 

It should not be this difficult to get a temporary deferment or forbearance for a student loan during a time of extreme financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the accuracy of the information contained in my credit report from XXXX XXXX . I have reviewed my credit report and found that there are violations of the following federal laws : XXXX 15 U.S. CODE 1666B TIMING OF PAYMENTS : My credit report indicates that I have made late payments on my accounts. However, I have always made my payments on time. The information on my credit report is inaccurate and is damaging my credit score. 

XXXX. 15 U.S. CODE 1666 CORRECTION OF BILLING ERRORS : I have identified several errors on my credit report, including incorrect account balances and missed payments. I have attempted to dispute these errors with the creditor, but they have not corrected them. This is a clear violation of the law. 

XXXX. 15 U.S. CODE 1681B PERMISSIBLE PURPOSES OF CONSUMER REPORTS : My credit report has been accessed by companies without a permissible purpose. This is a violation of my privacy rights and the law. 

I am requesting that XXXX XXXX promptly investigate these violations and make the necessary corrections to my credit report. I would like to request a copy of my updated credit report and a written confirmation that the corrections have been made. Additionally, I request that XXXX XXXX provide me with the names and addresses of all parties who have received my credit report without a permissible purpose. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

CREDIT BUREAU : TRANS UNION/ TRANS UNION LLC FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX 

TRANS UNION/ TRANS UNION LLC IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. XXXX AND XXXX HAVE MOVED THESE FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT FOR OVER 1 YEAR. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING TRANS UNION/ TRANS UNION LLCTO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. TRANS UNION/ TRANS UNION LLC HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. IF TRANS UNION/ TRANS UNION LLC DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. TRANS UNION/ TRANS UNION LLC XXXX XXXX. XXXX XXXX XXXX, XXXX, Illinois XXXX. In connection with the XXXX Change in Control Transaction, we entered into a registration rights agreement ( the Registration Rights Agreement ) with certain affiliates of the Sponsors and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the Sponsors and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. 
I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. TRANS UNION/ TRANS UNION LLC IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my credit report from a collection agency called XXXX XXXX XXXX XXXX who alledge they are collecting for XXXX. 

My account has an arbitration clause that my account with XXXX was handled through. This company is trying to collect on a debt that they DO NOT own. They are in direct violation of the FDCRA and what they are doing is illegal. My XXXX contract has a arbitration clause that clearly states that any disputes that arise are between them and I. Therefore a third party can not be involved. XXXX XXXX XXXX XXXX does not own the debt and has no legal right to collect on it. XXXX assures me the company does not own this debt and to file a complaint. I previously disputed this collection with Transunion but it came back verified. There is no way this account was properly verified because the original account can not sell the account due to arbitration. I called to speak with someone who informed me that they have not violated the arbitration clause and that they did not sell the debt in which the amount and last date of payment is incorrect as well.
Product: Credit card or prepaid card

I signed up for Citi AAdvantage card, and was promised a promotional bonus of XXXX XXXX XXXX miles, on spending {$3000.00}. 

I wanted to confirm that Citibank has correctly issued these bonus miles. 

The reason for me asking for this confirmation is that XXXX XXXX is alleging that the bonus miles were not issued correctly and have therefore suspended my account. So I wanted to make sure that everything was correctly issued from Citibank 's side? 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency Experian has incorrectly reported an account from XXXX as a charged-off status. I have never authorized goods and services from this company, and it still shows up on my credit report. After disputing this charge several times, Experian refuses to verify the validity of this charge from the company against the FCcoRA law. This has resulted in decreasing my credit by scoring 150 points for no reason. 

The two other reporting agencies have made corrections due to the XXXX not verifying. Experian needs to follow suit. 

This is report # 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. 


FRAUDULENT ACCOUNTS : 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 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> 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Mortgage

Had a XXXX mortgage for a number of years. In 2012I XXXX was unable to work. I called XXXX, they told me that they would work with me. They forclosed on me instead. I was able to stop the sale by borrowing XXXX. They told me that I would be able to get a 2 % loan. I could never get all the documents they wanted ... I always needed one more.They have since sold my loan to Nationstar. Nationstar put me on a trial payment. They told me that I would get a better rate and a lower payment. They kept the rate the same and extended the mortgage 10 years. This takes XXXX % of my income to pay this. They have lied to me just like XXXX. I want to know what my rights really are. I can be reached at XXXX.
Product: Debt collection

I paid my collection to XXXX XXXX XXXX on XX/XX/XXXX to their 3rd party lawfirm of Andreu, Palma, Lavin & Solis. I was advised that the 3rd party lawfirm sent notification to XXXX XXXX on XX/XX/XXXX that my debt was settled for less than is owed. At this point XXXX XXXX was to remove the debt from my credit report as is their normal practice. Per my new mortgage lender ( trying to buy a new family home ), this debt is still showing a balance of {$760.00} remaining ( difference of what I settled my debt for ). In speaking with XXXX, they are stating that they did received the monies collected but have not received notification of the debt being settled and closed. They sent a request to the lawfirm to confirm on XX/XX/XXXX. As of XX/XX/XXXX, they have not received a response nor have they closed my account out. This has now been over 60 days since I paid this debt on XX/XX/XXXX and is causing me to possibly lose my new home and large deposit that I have placed.
Product: Credit card

Two fraudulent charges were made by the same XXXX  merchant on XX/XX/year>, each for {$86.00}. Citi acknowledged that they were fraudulent, and immediately issued me two credits for these amounts. Citi also cancelled my account and issued me a new account with a new card number. Yet, now it reversed one of the credits, claiming that I received two credits on only one transaction. The XXXX  at Citi were incapable of realizing that there were TWO fraudulent charges. Like the fed employees fired by XXXX. the XXXX XXXX XXXX at Citi are getting paid for making errors.
Product: Credit reporting or other personal consumer reports

I have disputed incorrect information in the public record. It continues to report inaccurate information. In addition this is over seven years old.
Product: Checking or savings account

i always has the money in the bank but they waited til i didnt have any money left in there for them to process the payment then my account would always overdraft and id be charge with an overdraft payment and pay more then what i had in the account or the payments would process without me having the funds in there and id be worse then id have to pay double then my account got canceled without me even knowing anything so i had to go without a bank account for a long time and then i decided to switch banks bc i wasnt able to reopen this account anymore this isnt fair
Product: Credit card

On or around XXXX 2015, I received a telephone call from Navy Federal Credit Union Fraud Department. They indicated several transactions from XXXX, and a bunch of other retailers making many charges to my account. I notified them this was not me, and to send to the investigations department. I outlined all the transactions from both cards ( My visa debit, and XXXX XXXX ) and attached to their online e-messaging system. They replied they received them, and the credits would appear within 3 business days. 
The facts are-Navy Federal did NOT close my accounts. They remained open, and allowed hundreds more dollars to be charged to the account. Once I contacted them to close the account -- there were STILL more charges being allowed onto the accounts, even AFTER they were notified as fraud. 
I sent over my police report, and FTC fraud affidavit, and she stated I was to blame, and she was freezing my account so I can not use it. This is direct retaliation and discrimination against me, for exercising my rights of the fair credit billing act, and probably many other consumer protection laws, simply because they failed to do their job. 
For 3 months, they continue to report a completely false balance to the credit bureaus.
Product: Credit reporting

Equifax has stated that they have contacted North Dakota child support. I have called them and spoke with them as well! They are not reporting my arrears because it happened during a time of XXXX and they have been paid. I do not believe that once a XXXX is proven and acknowledged by XXXX I should not be punished for late payments as a result of said XXXX! That is what is happening here. I have been XXXX since XXXX of XXXX and did not receive any payments until XXXX XXXX I believe. So in effect I am being punished or discriminated against by Equifax simply because I was XXXX and could not pay until the U.S. Government paid me my XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Payment was late, and was reported to credit agencies. 
- I wrote to TSF about this. Unfortunately, I was out of the Country. The auto payment was canceled because of a fraud warning from my bank. When I returned I made all payments necessary. This was the only time I was late and when I spoke with customer service they said the notice of being late was returned via mail. As this was the first time their policy stated that If I wrote in to this group the late notice would be dropped. It was not. 
XX/XX/XXXX Collection/charge off - This is possible the MOST frustrating event of all. Another driver struck my vehicle and totaled it. The insurance company paid for nearly all of the remaining balance. The unpaid off amount was suppose to be paid by the GAP insurance I had purchased, however they were dragging their feet. I had placed several calls to TFS letting them know where we were in the process and CONTINUED making my monthly payments so that I would not receive a late charge. During one of the calls I made to TSF I was told that payments would not help the total needed to be paid. I asked for two weeks to either get GAP to make a payment or I would. Despite TFS saying that I would be fine to wait two weeks they reported this to the credit agency. I made a full payment om XX/XX/XXXX in the amount of {$2300.00} with a confirmation number of XXXX. Gap insurance has also made a payment since then. I have not been reimbursed for anything and at last check TFS says I still owe money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted Loan Depot regarding a mortgage refinance. I explained to them I was interested in estimating what my loan costs/feasibility would be, but that I was unwilling to have them pull my credit with a hard inquiry until we could confirm some information. Unfortunately, Loan Depot still pulled my credit with a hard inquiry without my permission. I wrote to Loan Depot and asked them to provide me with the evidence of the permission I granted ( which was never granted ). They were unable to provide this to me and did not follow up. This has caused my score to decrease and impacted my creditworthiness.
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint Regarding Incomplete Reinvestigation by TransUnion Dear CFPB, I am writing to formally lodge a complaint against TransUnion regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to TransUnion concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) .I received a response from TransUnion indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with TransUnion, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against TransUnion for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

when I checked my credit I found that Asset Acceptance Corp had placed a collection on my XXXX credit report I never received notice of this of any kind this is against the law and I will take legal action against this company if this is not removed from my XXXX report immediately.
Product: Money transfer, virtual currency, or money service

Even though XXXX is part of banks like Bank of America and others it doesnt have any buyer protection for some reason and it doesnt make that clear. 

On XX/XX/XXXX I went on XXXX to buy a XXXX XXXX  for {$280.00}. I talked to the person in question and he gave me his Phone number and his Email. He seemed trustworthy as we talked for several hours on many topics and he provided proof that the item was on hand. I payed through XXXX as I saw that it was part of the Bank of America app and I thought It was safe. After paying he said he would mail it out the next day and the next day he called and said that he had to refund the payment because it was on hold? Im not sure if XXXX works like that. And he wanted me to pay him even more money. I said no Im not paying you again but if you are truthfully telling me that you refunded it Ill wait until I have the money back and do it again. Then he said he wont send it out. I said I already payed and then he said ok and his number was now out of service. 

A few days later after I called Bank of America and explained the situation ( they said they couldnt do anything at all other then file a complaint ) he called me again from the same number asking if I got the refund. I told him no and I told him that either he gives me my money back or mails out the item. He said hold on and now his number is out of service again. 
Its now XX/XX/XXXX and I see no sign of this ever being fixed. And BoA should either take out XXXX or warn people more clearly theres no buyer protection
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX Account number : XXXX Account Name : XXXX Account number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account number : XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Sections States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the reports more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

CNAC financing/JD Byryder intercepted my tax return before it hit my bank in XXXX, for an old car loan that defaulted through voluntary reposession in XXXX and portrayed themselves as a student loan in order to do it. I just found out this out today. The entire time, I thought it was a student loan that I paid off long before because that's what the IRS told me, but I can see in XXXX XXXX civil court search that it was actually CNAC that took it. A 9 year old debt collected by intercepting my tax refund before it was deposited into my account for a defaulted car loan. How are they allowed to do that?!
Product: Credit card

Truist Credit Card Fraud : On XX/XX/XXXX I had a series of fraudulent bookings/charges on the credit card. on that same day I notified the Bank. Since then they have credited several booking but are refusing to refund one booking.

They themselves have issued various frau claim numbers and have kept delaying the cancelations and the creditibg of these funds for -now- over 90 days. No promised calls have ever been returned.

Upon calling them today they " decided '' not to cancel the remaining booking. On top of it becoming top down and willfully arbitrary by after 90 days asking for 'documented proof '' of the fraudulent booking. HOW? They have the statements. There is nothing else. 

The remaining fraudulent amount is {$1400.00} and they've been charging interest for all of the amounts without crediting the interest of the balance amounts. 

Everyone new makes provides inconsistent, inconcise statements and kicks the tire down the road.