23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The federal pause on student loans was set to expire at the end of XX/XX/XXXX with payments resuming on XX/XX/XXXX. With this deadline looming, I went to StudentAid.gov and completed my application for the new SAVE program, which would allow me to redetermine my income-based repayment program and be given a new payment plan for my student loans. I provided all of the required documents and requested information per the application in the middle of XXXX. My one student loan company, XXXX, was very helpful and communicative throughout the process. My other student loan company, Navient, was not helpful, not communicative, and to this day, hence my complaint with you, has been harassing me with phone calls up to 7 times a day for a payment. They have yet to process my application for the SAVE program, they have not given me a timeline for the additional documentation that they asked for and I provided, and they began billing me for the monthly payment of almost {$700.00} on XX/XX/XXXX, despite the fact that payments were not due to begin until XX/XX/XXXX. All of my loans are federal loans. None of them are private loans. Throughout the federal student loan pause, Navient made me complete a redetermination of my loans every year. Even though according to Student Aid.gov, I was not required to complete that redetermination until sometime in XXXX. Prior to my graduate loans being sold to XXXX, they were with XXXX XXXX, and I did not have to complete a redetermination of my loans with them during the federal student loan pause. Navient continues to skirt the law, harass me with phone calls, demand payment on a loan that has historically not had a payment due on it in over 3 years ( I have documentation of no payment being due ), and will drag out the redetermination process for up to 6 months. I am now at a loss of what to do to get Navient to process my SAVE application. I do not know why this particular student loan company is so hard to work with, especially if they want to help people pay back their student loans. I am not one of the lucky ones who received student loan forgiveness and I likely never will, but it should not be this difficult to work with a company to redetermine my loans on a year-to-year basis. I should also not be getting multiple phone calls each day demanding a payment totaling over {$2000.00} when they illegally started requesting payments two months earlier than the government allowed student loan companies to begin billing us. Please help me get Navient to process my SAVE application and complete my IBR payment plan request. Better yet, get them shut down for deceptive practices and all borrowers who have loans with Navient Loans forgiven.
Product: Credit reporting or other personal consumer reports

I have fraudulent charges in this account. 
I am requesting all credit card statements since I am have opened the account. 
The company Did not provided the Credit Card Statements. 
Experian did not contact the company with accuracy to see the unauthorize charges and fraudulent events in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX is stating that an auto loan on my report is mine and saying that it was verified by the company however I know that is inaccurate. In 2017 XXXX  XXXX was taken to court for allowing someone named XXXX XXXX to open an account with a fraudulent signature as a co-signer on my behalf. Ive asked multiple times for both parties to produce a contract showing this vehicle loan is mine. Neither have been able to do so however the information continues to be reported despite being provided COURT DOCUMENTS showing the outcome of the judge agreeing on my behalf and ORDERING BOTH COMPANIES to remove the account from my report. XXXX has also been provided with the court order, ftc report, and police report and once again have neglected to remove the account from my profile. They are in violation of MULTIPLE FCRA infractions as well as contempt of fraud and the neglect of following a court order. My next step is to pursue litigation again XXXX for the frivolous reporting as this is my fourth and final notice. You all can not ignore XXXX ORDERED documents you are now in contempt of court and financial relief can be seeked. The refusal to correct information after being provided proof of inaccuracy is a violation of FCRA sections 623XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX case XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX. You all also did not VALIDATE the debt which is pursuant of FDCPA SECTION 809 ( b ). The reporting of my credit history inaccurately is a violation of XXXX XXXX XXXX XXXX, XXXX XXXX, No XXXX XXXX XXXX XXXX XXXX XXXX You also can not report ANY ACCOUNT TO A CONSUMERS CREDIT THAT HAS BEEN INVOLVED IN LITIGATION. If the situation is not resolved within XXXX  days following this notice that will also be sent certified mail, the next form of communication you all will need to seek legal counsel as I will be going to court. I am not asking you all to remove this information but requiring you pursuant of the multitude of laws you all have managed to break. The original FTC REPORT DOC # XXXX Was sent to them XXXX via certified mail. The court ordered document requiring them to remove it was sent and NOTARIZED via certified mail and received XXXX. The police report # XXXX has also been sent to them and received XXXX these are all government documents that you all are choosing to purposely ignore.
Product: Money transfer, virtual currency, or money service

I sent funds in exchange for goods via XXXX on XX/XX/19 in the amount of {$290.00}. Unfortunately I assumed the XXXX service was insured by bank of America considering they had taken the liberty of building it into their app. This is not the case despite the fact that the closest thing they have to a warning or disclaimer is " transactions can not be cancelled ''. I have realized I was the victim of a scam and would like a full refund from Bank of America considering their willingness to advertise a company they do not insure with no clear warnings.
Product: Credit reporting

Hello. Even though these accounts were hacked by my brother, I paid them to have my credit history cleared. Attached are the receipts. Please help me to clear my credit history. I ca n't even open a bank account and I have never done anything wrong. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Reason This collection is not my account. 
Not mine, I never had an account with this company. 
Not mine, I never had an account with this company. 
I never made a late payment on this account, please correct. 
I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, account XXXX XXXX XXXX XXXX, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My Mortgage company - Mr. Cooper ( Nationstar Mortgage LLC ) -- purchased forced home insurance coverage despite my insurance company sending them proof of continuous coverage months ago - I renewed my policy XXXX exact same insurance that they had on file for the previous year -- all they had to do was reconfirm my policy was renewed or give me a call ... XXXX XXXX XXXX submitted the proper paperwork ( proof of coverage ) to their portal at the time but Mr. Cooper apparently refused to look at it and instead purchased EXTREMELY EXPENSIVE insurance at nearly XXXX  times the cost of my actual coverage and put me under an escrow arrangement seeking payment for thousands of dollars on a home that has already been properly insured. I tried to call the company but they refuse to man the phones with live human beings and the automated prompts provide no help.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security XXXX, Consumer Date Of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C 1681c-2 ) that XXXX, Equifax and XXXX credit reporting agencies, block information from appearing on my consumer credit reports that is a result of identity theft and fraud within 4 business days of you receiving this complaint. These separate fraudulent charge-offs, collections and inquiries on my consumer XXXX credit report which I did not give my written permission to furnish information on my consumer reports. I was not warned before any transaction that I would be creating credit with a wet ink signature and I did not receive my XXXX discosures pursuant FCRA XXXX XXXX XXXX XXXX ( 15 U.S.C 6802a, which includes the option to opt-out of information being furnished to my consumer report. which proves these accounts is reporting fraudulently and committing identity theft. XXXX XXXX XXXX XXXX date XXXX, XXXX XXXX  XXXX acct XXXX XXXX XXXX XXXX, XXXX on XX/XX/2023, XXXX on XXXX XXXX XXXX XXXX on XX/XX/2023. XXXX XXXX on XX/XX/2023 and every address on my consumer report except XXXX XXXX XXXX, XXXX tx XXXX all these entries violates FCRA and FDCPA. Im requesting deletion in Good In Good Faith All rights Reserved These inaccurate and false information being furnished I do not recognize the aforementioned accounts, collections or hard inquiries as reported. These fraudulent entries thats appearing on my consumer report that is maintained by you were not opened, made or initiated by me and pursuant to FCRA 605b I did not give my written or verbal permissible purpose to do so. ALL of the aforementioned entries is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned entries listed above are the result of identity theft and fraud. Failure to rectify this situation within 4 days will be the result of willfull non compliance pursuant FCRA ( 15 U.S.C 1681o ). Done In Good Faith-All Rights Reserved-Whithout Prejudice-Non Assumpsit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made my payments on time with the company in question every month. I used their automated website to make the payments. However, one month that i made the payment and they showed it as paid i received notice 30 days later that my payment was late. This was by no fault of my own as their website has said they received the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting act 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, In XXXX XX/XX/ 2025 To whom it may concern : Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law.

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ).

In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly.

Who in your company verified these accounts?

How did they verify them?

Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation.

Include the documentation that was used to verify the dispute.

You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Verification XXXX  XXXX Unverified Account XXXX. XXXX Unverified Account XXXX  XXXX XXXX Unverified Account XXXX  XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Late Payments * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First Progress/1stProgress XXXX Two Accounts : {$200.00} Hello, I have called them multiple times, requesting that the fraud accounts be taken off of my credit. It appears that the accounts are closed but they are still showing negative payments on my credit profile and impacting my score significantly, and I am trying to purchase a home for my family. I have called them multiple times and they have confirm that after their investigation, the accounts were opened as a result of identity theft and fraud. They're confirmed they would contact the creditors directly to get this resolved. 

Can you please investigate immediately and get this company credit charges off of my credit? Please see the attach letter from them confirming the account would be taken off my credit as negative items
Product: Checking or savings account

I tried to close my account, which was required to open and maintain a safe deposit box. The annual for the box is {$160.00} and I need to pay {$12.00} per month to keep the box. I tried to close the account on XX/XX/year> and the box account and was denied as the fee for the box had been charged. I keep enough money in the account to pay the {$12.00} per month and had calculated the amount of deposits required to cover the fees through the end of the year. I never received the notice of renewal, although the bank claimed that I did. I asked to waive the fee as the imposition of the fee was not appropriate. I also asked that the fee for the box be refunded as I was closing the box. I was advised not to close the box account until the complaint was resolved. The manager was kind enough to send the escalation of the complaint himself. But the escalation department denied the complaint. I offered to pay one month 's fee for the XXXX  and was told that was " not possible. '' I responded that it is possible, but the bank 's policy is to keep the fees by stating that the fee is annual only. This is not a policy mandated by a deity. It is a man-made policy and is not acceptable.
Product: Credit reporting or other personal consumer reports

XXXX and TransUnion has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a proper reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolve. The Consumer Financial Protection Bureau ( CFBP ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed dispute items despite the evidence I provided., causing ongoing harm to my credit standing. I'm requesting immediate corrective action to remove or amend the dispute accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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

In XXXX of XXXX calls and a court request for debt that was owed. On phone calls I was advised of medical bills then another bill for towing and storage of a XXXX that I have never had or owned. When trying to dispute the towing and storage fees the agent got really disrespectful and said that I just need to produce a bill of sale which I advised I was not able to cause I have never had this car. I am now being garnished for {$2600.00} case # XXXX. I have called and spoke with XXXX in Oregon and was advised that the car was never in my name and was in salvage yard as of XXXX and collection agency is trying to state that the towing and storage occurred in XXXX.
Product: Checking or savings account

An account was opened in my name at Bank of America. A Bank of America employee informed me that is was fraud based on the email address associated with the account. I have tried 3 separate times to have the account closed. Each time the fraud specialist I spoke with at Bank of America gave me a different answer as to how to go about doing this. The last time the fraud specialist I spoke with said they closed the account. Yet I still receive statements showing maintenance fees accumulating and that the account is active. Bank of America refuses to close the account and continually lies to me about the status of the account and will mot give me accurate direction on how to go about getting the account closed permanently.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I've noticed I am a victim of the XXXX Equifax Data Breach. 

XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was charged twice by Health Credit Services for a monthly installment on loan XXXX, but they never credited me for the double charge. They simply pocketed the money. I sent documentation of the deduction directly from my checking and attempted to follow up over several weeks, but they never responded. One customer service manager did mention that this appeared to have happened to a number of accounts, but she refused to say what, if anything, the company was going to do to fix it. 

The company is managing a loan for services rendered at XXXX XXXX XXXXXXXX. XXXX appears to be based in XXXX, North Carolina.
Product: Credit reporting or other personal consumer reports

CARES Act and Credit Reports states ...... If you made an arrangement with a creditor they can not report your payments as past due. This protection applies as long as customers account was already current. This applies to agreements made starting XX/XX/XXXX until 120 days after the XXXX national emergency ends. 

****In XX/XX/XXXX XXXX XXXX XXXX is reporting a late payment to my credit report however I had followed all steps of making a valid payment arrangement via the cares act with this company during the covered periods however the company is still reporting inaccurately to all 3 of the national credit agencies I was current before and after that time also. you are current on payments and make special arrangements, creditors must report the account as current. Late and missed payments CAN NOT be reported if you have already made arrangements under the Cares Act Credit reporting relief and security Act
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Also this PERSONAL INFORMATION DO NOT BELONG to me : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Employers : XXXX
Product: Debt collection

This is not my debit and I don't know what it is. I have never had XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account was satisfied. I did not received a 1099C. I paid this account so it is no longer in charge off status.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. Under 15 U.S.C. 1681 section 604A section 2, it also states that a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Please update these accounts per section 15 U.S.C. 1666b XXXX XXXX : Account Number XXXX XXXX : Account Number XXXX XXXX XXXX : Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans are being reported on XXXX and Experian with one erroneous 90- day late payment in XX/XX/2019 ; there are no prior late reporting and my loans were in deferment at the time. I have tried on numerous occasions to dispute the items on my credit report, but there is no change to the reporting that addresses this specific issue. The loans are all broke down separately, so it shows as 19 separate 90 day late payments.