23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have already submitt ed one complaint about Navient, bu t they have continued to handle my account in appropriately. I make extra principal payments each payment, which they have been putting on principal, but they are continuing to say I am ahead on payments due to this. The supervisor I spoke today said it is being marked as paid in advance. They have never once told me that was marked in t he 3  other times I have spoken to them, or offered to unmark it until I spoke to the supervisor today. They should not be allowed to just mark that with extra payments on principal without discussing it with the customer. That is a shady and unethical way to try to maximize the interest they are getting back on the loan.   Additionally, the payment for  XXXX  was sent on  XXXX   XXXX ,  2017  and then the payment for  XXXX  was sent on  XXXX   XXXX ,  2017  and the  XXXX  payment was  XXXX   XXXX ,  2017 . However, when the supervisor said he could unmark the paid in advance but then I had a payment due tomorrow,  XXXX   XXXX ,  2017 , so the other payments have not been applied correctly. Every time the payment is made a note is included saying the extra money is to go on principal and not to change the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an account ( Macy 's ) supposedly opened in XXXX. There is absolutely any way I could have made this charge as I was incarcerated that year. My incarceration was from XX/XX/XXXX to XX/XX/XXXX. I disputed it with XXXX first. But I've noticed it showing up as if I activated the account again. This account should have been closed a long time ago seeing that it's 10 years old.
Product: Credit reporting

I disputed an account with Equifax concerning an authorized user account in which I was deleted off of with XXXX but Equifax continued to report after I contacted them by phone and U.S. Mail. I checked my credit report and noticed that there are now charge offs being noted for every single month up to and including XXXX 2015. These insertions were not there before the dispute but they are now. The weird thing is that the authorized user account Equifax seemed to have verified does not match the reporting of the Account Holder. The authorized user account is reporting much more negatively and I believe Equifax did this out of spite because I disputed the account. I am not an authorized user on this account. Equifax needs to remember that authorized user accounts are NOT responsible for the account ; they ca n't order new cards, request statements, etc. Equifax is in violation of falsely verifying this account and continuing to report it. If they verified with XXXX XXXX they would n't have been able to since I am completely deleted off as an authorized user and have been for over a year but yet Equifax continues to update and add more negative information each time it is disputed.
Product: Credit reporting

I have disputed all the credit inquires that are listed on my report and have gotten XXXX help with them being removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A COLLECTION FOR XXXX XXXX AND XXXX XXXX XXXX, I DO NOT OWE THESE COMPANYS ANY MONEY, THEY CAN NOT PLACE A DEBT ON MY CREDIT THAT SHOULDNT BE ON MY CREDIT,
Product: Debt collection

Enhanced Recovery has violated my consumer rights by continuing to furnish data to the consumer reporting agencies regarding an alleged debt as if they are the original creditor. They are violating federal law USC 1692e. They are falsely reporting information to the credit bureaus for an alleged debt not owed to Enhanced Recovery. Enhanced Recovery placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. I demand this debt to be removed from their system and from the credit bureaus systems immediately. The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres : for these violations.
Product: Credit reporting or other personal consumer reports

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is included in Chaper XXXX  bankruptcy case number XXXX in the XXXX XXXX  of Michigan
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In section 611 ( a ) it is plainly stated that a failure to investigate these claims within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I'll file for litigation due to the stress you've caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit file under the Fair Credit Reporting Act ( FCRA ) and Metro2 guidelines. Below are the details of the account in question : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Report Date : [ Date from credit report, e.g., XX/XX/year> ]
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a request on CFPB to Experian and XXXX. Complaint ID # : XXXX & XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code $ 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I am writing to you once again regarding the unauthorized credit inquiries that still appear on my credit report. As a consumer, I am entitled to accurate information reported about me under the Fair Credit Reporting Act ( FCRA ). Despite my previous dispute and my request for an investigation into these inquiries under Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) of the FCRA, I have yet to receive a satisfactory resolution or sufficient documentation justifying the presence of these inquiries on my credit report. 

Disputed Inquiries : 1.- XXXX XXXX Inquired XXXX XX/XX/2023. 
2.- XXXX  Inquired on XX/XX/2023. 
3.- XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/2023. 
4.- XXXX  Inquired on XX/XX/2023. 

Legal Basis for the Dispute : Under Section 611 ( 15 U.S.C. 1681i ), you are legally obligated to investigate and correct any inaccurate or incomplete information in my credit report. Failure to correct inaccurate information after an investigation is a direct violation of the FCRA. Additionally, Section 604 ( 15 U.S.C. 1681b ) specifies that credit inquiries may only be made for permissible purposes. The inquiries listed above were not authorized by me and do not serve any permissible purpose under this law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I come across on my credit report, there was incorrect items appears when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( 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 items that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXBankruptcy Reference # XXXX Date Filed/Reported:XXXX
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Product: Credit reporting or other personal consumer reports

MY STUDENT LOANS HAVE BEEN FORGIVEN PER THE Biden-Harris Administrations one-time account adjustment. AND ALL THREE CREDIT REPORTING AGENCIES HAVE NOT CORRECTED THIS ON MY CREDIT REPORT SINCE ITS COMPLETION, FAILING TO ADHERE TO THE FAIR DEBT COLLECTION ACT.
Product: Student loan

My daughter under direction of her father and boyfriend was advised to apply for private student loans for college, they cosigned for XXXX and I was forced to cosign for another. I was never provided a copy of the actual loan terms or the fact that the payment would never be based on her income when it came time for repayment. She is XXXX and working part time due to her current medical condition and can not make the payment amount they are requiring ( $ XXXX/month ). In 2016 she paid almost XXXX in interest alone and only XXXX is tax deductible. If I would now begin to assist her with these payments I can not deduct any of the interest. I just want her to have the entire loan amount renogiated for a reasonable interest rate with the payments based on her income. If I could also have this removed from my credit that would be good since this was not a loan I had full disclosure on and now my credit score has been so damaged that I can not get a car loan and I am now constantly harassed by Navient phone calls. Please help. She is XXXX yrs old and entirely on her own, without some real help, she will never be out from under this burden.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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: Credit card or prepaid card

On XX/XX/XXXX and XXXX, I got text messages from XXXX XXXX XXXX saying my monthly cell phone service could not be renewed. My monthly cell phone bill has been charged to my navy federal XXXX credit card every month for XXXX years without an issue. When I called XXXX XXXX XXXX on XX/XX/XXXX, I was told my bank had declined the charge. COMPLETELY UNACCEPTABLE!!! I sent an email to navy federal demanding to know why they would refuse a legitimate charge that had been recurring for XXXX  years and explained that instead of continuing my monthly charge on my XXXX, I switched to my XXXX  card. The incompetent navy federal employee who responded without providing their name of course said that an authorization code was required and he/she was happy I was able to use my XXXX card to make the charge. The incompetent employee of course completely missed all the points of my complaint starting with the fact that I should not have had to switch credit cards and should be allowed to use whichever one I want especially since I pay my balance in full, on time every month even when navy federal says my minimum payment is only {$20.00} or {$0.00} I still pay the balance in full and I am nowhere near my credit limit!!!! There was also no explanation as to why my XXXX card would suddenly require an authorization code for a charge that had already been recurring for 48 months!!!!! Navy federal doesn't seem to care about how embarrassing it is to have a perfectly valid credit card be declined for a legitimate recurring charge!!!! COMPLETELY UNACCEPTABLE!!! This is also my only phone service and my only means of communication and I was about to lose my phone access because of navy federal 's complete incompetence. I also asked in the email for confirmation that nothing like this would ever happen again but the completely incompetent employees refused to provide such confirmation. Even when I do EVERYTHING right and pay my credit card bills on time and in full, navy federal still manages to find a way to completely XXXX me over without any regard to my rights!!!! I need to speak to someone with a first and last name who will sincerely apologize for the problem ( although I probably won't believe them ), explain why navy federal denied the legitimate charge, what is being done to prevent this from ever happening again, and explain why navy federal is continuously looking for ways to XXXX me over and make my life XXXX unnecessarily!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 hand written instructions.
Product: Payday loan, title loan, or personal loan

In 2014, I received a home improvement loan from Navy Federal Credit Union in the amount of {$20000.00}. 

On last month, I reached out get a payoff for the loan and the amount due was more than I originally received eight years ago. I spoke with several representatives asking for an explanation detailing how the current balance is more than what was borrowed. I asked for an audit of the account to be sent to me for to understand my indebtedness. 

As of today, I have not received any communication of any form regarding my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Vystar Credit Union XX/XX/2022 in regards to two charge off accounts with a cease and desist letter and have not heard back from Vystar about these two accounts. The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any media. Pursuant to my rights as per 15 USC 1692c ( C ). I am here by providing you formal notice to cease any further communication regarding this account immediately.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX Subject : Urgent Complaint Regarding Account Closure and Fund Transfer Dear XXXX, I hope this letter finds you well. I am writing to formally express my concern regarding my Capital One account ( Account No : XXXX ) which was closed on XX/XX/year>2024. I have encountered several issues concerning the transfer of funds from my closed account. Upon closure, my remaining funds were transferred to an external attached account. However, I have been informed that this external account has also been closed, and as a result, I have not received my funds. This situation has left me quite worried and uncertain about my financial safety. Given these circumstances, I kindly request that transaction should b canceled for the fund transfer and instead issue a cheque for the total amount of my funds. Please send the cheque to my mailing address as provided above. I appreciate your prompt attention to this urgent matter, as I am currently experiencing significant stress over the loss of my funds. Thank you for your understanding, and I look forward to your swift resolution of this matter. Sincerely, i m attaching closing account proof funds transfer proof, closed account proof of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX Subject : Urgent Complaint Regarding Account Closure and Fund Transfer Dear XXXX, I hope this letter finds you well. I am writing to formally express my concern regarding my Capital One account ( Account XXXX : XXXX ) which was closed on XX/XX/year>2024. I have encountered several issues concerning the transfer of funds from my closed account. Upon closure, my remaining funds were transferred to an external attached account. However, I have been informed that this external account has also been closed, and as a result, I have not received my funds. This situation has left me quite worried and uncertain about my financial safety. Given these circumstances, I kindly request that transaction should b canceled for the fund transfer and instead issue a cheque for the total amount of my funds. Please send the cheque to my mailing address as provided above. I appreciate your prompt attention to this urgent matter, as I am currently experiencing significant stress over the loss of my funds. Thank you for your understanding, and I look forward to your swift resolution of this matter. Sincerely, i m attaching closing account proof funds transfer proof, closed account proof of XXXX XXXX.