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

My personal information was breach through out the credit report agency, ( transUnion and XXXX ) I've been try to resolve the issue for almost an year now. then recently find that the credit bureau are the one that responsible for my personal information to get out there. Where I receive email from a third party due to the fact that people are using my information to apply for credit card loans, mortgage et.. I contact the bureau a several time in order to have those inaccurate items as such hard inquiries, company names that I've been heard of or any unverifiable item to be removes in on my consumer report and they're refused to do so. 

According to the Fair Credit Report Act, SECTION 609 ( a ) ( 1 ) ( A ) you ARE REQUIRED BY FEDERAL LAW TO VERIFY-through the physical verification of the original signed consumer contact -All accounts you post on a credit report .otherwise, anyone paying for your reporting Service could fax, mall or email in a fraudulent account. 

I Demand help due to the fact the company that were supposed to keep our consumer information safe are the one that actual causing damage on the people consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my reports from all three bureaus and notice inaccurate and fraudulent information. I believe that I am a victim of Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a request for validation to the debt collector ( XXXX XXXX XXXX ). Although they sent debt collection notice and verification. They have failed to properly validate the debt is mine with a contract bearing my signature and the license number to collect in my state. By XX/XX/XXXX which was the deadline to the 30 day validation window. I would like Transunion to take the collection off my credit report as is my right under the Far Debt Collection Practices Act. ( FDCPA )
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've received several hard inquiries that I do n't recognize. XXXX is from XXXX XXXX on XXXX XXXX, XXXX. I called XXXX and they reported there is no record of my name anywhere in their system. There are XXXX other hard inquiries from Citibank XXXX XXXX XXXX on XXXX XXXX, XXXX and XXXX XXXX XXXX when I 've only applied XXXX time to XXXX. Also for XXXX XXXX there are XXXX inquiries on XXXX XXXX XXXX and XXXX XXXX XXXX when I only applied XXXX time on XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I deposited my stimulus check with mobile deposit with PNC XXXX XXXX social XXXX and someone stole my check out my car and cashed it at XXXX XXXX
Product: Student loan

I have an issue with Navient, my loan servicer, because they have not fulfilled my request for an Income-Based Repayment loan repayment schedule. 

I have requested income-based repayment options from Navient on multiple occasions. Most recently on XX/XX/2016. They tell me I need to submit proof of income repayments. I used their website to upload them, based on advice from their support staff on the phone, and then Navient sends me a letter stating they can not process my application because they did not receive it. This is a problem for me, because it pushes back the date that my loan may be reduced, which I desperately need since my wife 's income changed significantly. 

I need support to ensure that Navient will process my IBR application and they seem unwilling or unable to help. I would also accept my loans being transferred to another provider given that Navient has well-documented problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my XXXX ID personal protection Today and there are several delinquent recorded debt information from creditor, some of which can't be verified, saying that there is adverse credit information from 7 creditors which some I know are credit cards but others can't be determine. 

This information was obtained from experian. 

As I indicated to you there as but and on going problems with creditors and banks, which has been filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX FDCPA XXXX XXXX violation misleading false reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have not been verified or validated. These accounts have been removed from my XXXX  and XXXX  reports ; therefore, they should be removed from Transunion. I recently sent an investigation request on XX/XX/XXXX and its over 30 days and I haven't received anything ; therefore, these accounts need to be deleted XXXX XXXX XXXX-acct # XXXX- ACCT # XXXX XXXX XXXX XXXX-ACCT # XXXX XXXX XXXX XXXX- ACCT # XXXX XXXX-ACCT # XXXX XXXX XXXX XXXX XXXX-ACCT # XXXX Also the following inquiries were not authorized by me and per the law if they were not used for employment, account, insurance, they don't belong. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,, XXXX XXXX XXXX- XX/XX/XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The disputed item came back as accurate/verified and pursuant 15 USC 1681i ( b ) III I requested the description of the procedure that was used and my request was ignored by Experian and Equifax.
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 rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX 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 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 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: Credit reporting or other personal consumer reports

On XX/XX/XXXX I notified Harley Davidson Financial that despite the XXXX letters that I received from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX that my credit reports would reflect a XXXX balance and issuance of a 1099 C in XX/XX/XXXX, XXXX XXXX XXXX immediately notified XXXX after my phone call, removed the previous dispute remarks, added a remark that stated the data furnisher is furnishing accurate information and dropped my XXXX score XXXX points in a matter of minutes on XX/XX/XXXX. This is punitive, the Harley Davidson representative yelled at me and told me I owe XXXX. 
THIS IS THE THIRD TIME I HAVE COMPLAINED TO THE CFPB. This is unethical! Where is the oversight? Please help me, please. It has been XXXX year since my initial complaint to the CFPB about this matter with Harley Davidson and the letters I received on XX/XX/XXXX and XX/XX/XXXX stated it could take up to 90 days to accurately furnish the XXXX balance information to the CRA 's, however it takes less than XXXX minutes after a phone call to Harley Davidson on XX/XX/XXXX for Harley Davidson to notify XXXX and delete, change, and add remarks to immediately drop my credit score. I must commend data furnishers who are savvy enough and well equipped to tweak comments without reporting accurate information to drastically drop a consumers credit score. Brilliant! Harley XXXXavidson is winning the battle, XXXX day in XXXX when this information falls off I will win the XXXX. Unfortunately in the mean time I suffer loss of opportunity and unnecessary undue financial harm. This motorcycle was surrendered with less than XXXX miles from when I purchased it, yet depreciated XXXX in less than XXXX year.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
U S DEPT OF EDXXXX : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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: Credit reporting, credit repair services, or other personal consumer reports

I purchase a XXXXXXXX XXXX ticket to Virginia through XXXX and had XXXX payment to each month. I paid off the XXXX payments early. I go to my review my credit score and it dropped XXXX point because the affirm company reported me as delinquent. It is causing great harm as well as a various inconvenience regarding apartment rental, car purchase and so forth .The XXXX XXXX on my phone gives me nothing to work with.
Product: Checking or savings account

I was on an account with my mother in law, XXXX XXXX, who recently passed away. She passed on XX/XX/year>. When I went to close my account, it was discovered that transfers were made from the account using her credentials AFTER her death. I went into the PNC Bank XXXX on XXXX XXXX in XXXXXX/XX/XXXXand spoke with the XX/XX/XXXXXXXX, XXXX XXXX. She spoke to theXX/XX/XXXXXXXX and was advised that they would not allow me to file a complaint. They are violating XX/XX/XXXX XXXX I gave PNC a copy of the death certificate from the state of XX/XX/XXXXshowing that it could not be my mother in law as the transaction that took the balance was initiated several days after she was gone. While it may not be a large sum of money, PNC is failing in their fiduciary duty to protect my accounts. They pretty much advised me that if transactions are made that I myself did not perform, or that I know to be fraudulent, there is no recourse. This should not be allowed.
Product: Student loan

I have XXXX student loans with the Dept of Ed/NELNET. 

DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$6200.00} DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$4300.00} DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$7700.00} DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$5600.00} DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$79.00} DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$2200.00} DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$3700.00} DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$2800.00} I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 90 days late as of XXXX XXXX and 120 days late as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My wife and I purchase a home in XXXX, we both worked and had incoming coming in. In XXXX my wife was injured by a medical professional and had to receive multiple XXXX to correct her medical issues. She can no work and is apply for XXXX at this current date. We were never late on our home mortgage till the medical issues started. Mr. Copper/Nation star would not work with us on the mortgage starting to be late for 3 years. Even with medical proof my wife could no longer work. After a long exhausting 3 years we sold the home and started renting and downsizing and payed off our debt. I tried to reason with Mr. Copper to have the late payments removed from our credit report but they would not help. My wife and I still can not apply for a home loan because of reported late payments. We closed on XX/XX/XXXX. They still counted XXXX as late payment even when we closed in XXXX and payed off the balance of the loan. Is there anything I can do? Or you can do to help me? 
Thank you XXXX XXXX XXXX XXXX
Product: Credit card

I opened my Account In XXXX and was promoted if i had or spent XXXX XXXX  + total with capital one they will promote me XXXX XXXX  just for using it within 3 months so i did and didnt receive anything and i asked capital one they said they dont do it anymore
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2025 Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear Experian Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate. 
Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : 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 of such dispute, the agency shall 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, within 30 days.

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response.

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made.

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I went into XXXX and was told by their representative that I could cancel AT ANY TIME. I paid {$750.00} on the XXXX day and received NO services. I sent a certified letter to XXXX within XXXX days saying I wanted to cancel and for them to refund my {$750.00} deposit as I received no services of any kind. They refused to refund me and have now sent me to collections for services I never received. They fraudulently represented themselves to get me to sign up and then once they got me, they claimed I signed up. There are numerous complaints against this company that I discovered after the fact. I am out {$750.00} for NOTHING and now I am being reported to the credit bureaus.
Product: Checking or savings account

There was an unauthorized atm withdrawal after my card was stolen ( I thought I lost it ). I filed a dispute and they said they found no error. I had several charges prior that also were not me but because there were not enough funds it did not go through. I was not asked many questions, now leading me to believe they never intended to get my money back. 
This took place on the XXXX of XXXX. And the claim was closed on the XXXX I believe. I called on the XXXX of XXXX to see what could be done. All I was told was they found no error and it was closed. When looking at the claim it says I dont remember making this transaction. I never said this. I said it was not me. I am not sure how my pin was used but I find this really unfair. I dont make much money so this really hurt me.
Product: Credit card or prepaid card

On XX/XX/2020 I contacted capital one regarding a XXXX statement balance after I paid off the account balance before my statement date. I spoke with XXXX who told me that she was the highest person I was speaking with and that whatever she said goes. I asked where the XXXX came from at first she informed me that the balance was on purchases from the previous month I asked what purchase was made she informed me none but they were charging me for an interest that was on my account from.last month. You are not allowed to charge interest on top on interest. She did inform me that I did not have a principle balance from the previous months statement burning order for my balance to be pd off that I would have to pay 2 statement balances in a row off not to be charged interest anymore.
Product: Credit card or prepaid card

I am attaching a rather lengthy PDF document describing the extreme difficulties/issues I am having to deal with because of the blatant errors caused and created by Discover Card ALONE in what should have been a simple Bank Transfer. I have been lied to repeatedly ; and given wrong information on multiple occasions. 

When applying online for a Balance Transfer with Discover Card, one does not know how much their Credit Limit/Credit Line will be ; so when filling out the online form, there are numbers from approximately ( 1 ) to ( 4 ) where one can list their credit card debt in the order of their importance ( with # 1 being assumed to be the first choice ).  Therefore, in my case, I listed XXXX XXXX XXXX as my # 1 Priority for a Balance Transfer. Unfortunately, Discover Card processes one 's online application immediately ; even before the Credit Limit/Credit Line has been determined ; and leaves it up to their computer system to identify the lowest level balance ; and pay that balance off in full first ( if possible ). Therefore, again in my case, no one at Discover Card ever explained this critical piece of the puzzle to me. Unbeknownst to me, even after I had discussed my crystal clear instructions to a live Discover Card Customer Account Manager to apply the full amount of 95 % of my Discover Card Credit Limit/Credit Line balance to XXXX XXXX XXXX, this particular employee apparently just chose to let the computer decide for me ; without telling me or even discussing it with me! Had I been told of this computer system policy, I would have immediately cancelled my Balance Transfer Request! Apologizing for the fact a Discover Card Customer Account Manager answering the phones failed to disclose that critical piece of information to me before any Balances Transfers were made is a gross oversight and unconscionable on the part of a purportedly reputable Financial Institution. Financial Institutions like Discover Card have a fiduciary responsibility to all of their Customers to thoroughly train their Employees in all of the nuances involved in facilitating any number of different financial banking functions ; with NO exceptions! Apologizing after the fact for an employee making a mistake involving either a lack of training and/or a lack of banking knowledge or of specific banking products is a totally unacceptable financial business practice.
Product: Credit reporting or other personal consumer reports

Upon checking my credit file, I am still seeing the items Currently Reporting on my XXXX, Transunion and XXXX Credit file and reporting derogatory information. Please note, the letter attached to this complaint file contains instructions for each bureau regarding this issue. Please adhere.