23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient has been sending a select number of borrowers the school misconduct discharge application. I did not received this application by Navient instead Navient questioned who had given me the application to send in. The project on predatory student lending group sent me this application and I sent in 114 pages of supporting documents with the 12 page application. I was a student at XXXX XXXX of design in XXXX with my original loan taken out by Sallie Mae. In the paperwork, you can see that at the age of XXXX there was no XXXX then and XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX school told me I was not eligible for a loan, the financial aid department coerced me to sign my mother signature as a cosigner. My mother was aware they had me do this. I asked if I was able to bring the paperwork home they said I was not able to bring it home, and had me sign for her. This school closed in XXXX. I sent supporting documents for my approval by XXXX XXXX and that I am part of XXXX XXXX XXXX  settlement. In XXXX, Navient had me refinance to remove my mother as consigner, this was the only way the would remove her from my loan. Navient had never told me that refinancing would make me Ineligible for any sort of forgiveness. My first phone call to Navient after I submitted my application, I was told there was no documentation that consolidating with Navient made you in eligible for school misconduct relief. I called a couple days later and that rule had quickly changed. They told me that my loans were not eligible, even though I had so much proof of school misconduct. Today after I called to beg them to tell me what to do and how to receive relief I was told this is a new program and the rules keep changing. There are so many things wrong with this Loan that I have been struggling with for 20 years. Please, someone help me.
Product: Credit card or prepaid card

Credit card issuer 's online automatic payment feature duplicated different debit/ amounts ( {$300.00}, {$120.00}, {$120.00}, etc. ) from my bank account for 1 single payment date ( 6/15/18 ). Several calls were made to the issuer to resolve and reverse erroneous, subsequent debits. Issuer claims " 14-21 business days of research is required '' before any funds can be reversed/returned. In the meantime, I have cancelled all future automatic payments.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024
Product: Debt collection

I am writing to bring to your attention a concerning situation involving XXXX employees and Capital One that has left me facing an unjust {$2500.00} bill. Recently, XXXX employees mistakenly loaded the wrong shingles onto my contractor 's trailer without my authorization. I want to emphasize that my contractor did not have the authority to load or operate the XXXX forklift. 

Despite providing evidence that the materials were loaded in error, I am being held accountable for the {$2500.00} worth of materials by Capital One. I strongly believe that this action violates the Consumer Credit Protection Act of 1968, as I am being unfairly burdened with a debt that is not rightfully mine. 

I refuse to pay for the incorrectly loaded materials, as I had no part in the error that occurred on XXXX ' end. I am deeply disappointed by the lack of quality assurance processes in place at XXXX, which allowed for such a mistake to happen in the first place. 

I urge both XXXX and Capital One to rectify this situation promptly and ensure that I am not held responsible for the negligence of others. It is clear that this situation is a result of a series of missteps on the part of the companies involved, and I trust that a fair resolution can be reached. 

Thank you for your attention to this matter. I look forward to your prompt response. 

I will sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Questioned billing and computer error through first and second notice. Received zero to answer my questions under FCBA. XXXX reported my account as delinquent to XXXX with no investigation. A violation of my rights!! My credit score is now damaged due to negligence on XXXX part to do a proper investigation. My credit was perfect up until this fraud and deception took place!
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in Collections from XXXX XXXX has some inaccuracies through out all three bureaus. The status shows as Open and Past Due, Dates of last activity is not matching ( all 3 are different ), And all 3 reports have different payment history. 

The account with XXXX XXXX is for the same account as XXXX and again, none of the three reports match. Dates are different, the balance and payment history does not match. Lots of inaccuracies. 

Can both companies report the same account?
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelles handling of disputes, particularly in light of the recents CFPB lawsuit highlighting significant issues with the platform, despite using Zelle numerous times and reporting discrepancies they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible, the CFPBs finding indicate that Zelle has not only neglected to protect costumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams, this lack of accountability and transparency is unacceptable and raises serious concerns about customers safety.
Product: Debt collection

This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt.
Product: Debt collection

Sentry Credit put a collection of debt on my credit report. I never received notice of the debt owed and asked to provide an itemization of the debt from XXXX XXXX XXXX since I had moved out a year ago. 

Sentry Credit received the certified letter, I have the signed return receipt, and they have yet to respond to my letter and are still are reporting to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I disputed my credit report ( Dept of Education account XXXX ) with TransUnion and received results that were updated/modified with the same inaccurate information after the 7 year period 2018 XXXX, XXXX, and XXXX. This account is not in accordance with the other 2 agencies ( XXXX and XXXX ). Under the FCRA SECTION U.S.C 15 CODE 1681 ( a ) ( b ) ( i ) all consumer credit reporting shall be accurately furnished under congressional law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX # XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I do not know why this collection is on my credit for an account that was closed in XX/XX/1999. This company keep updating account so it will continue to be on my credit. I do not havwe an account with this company and I would like if they will verify that I owe them and why. I would lke for this to be removed off all XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

After receiving my report from CIC i called and told them that it was reporting wrong due to fraud, they then told me i have to get it all shut down myself, but they are reporting with out my permission and i did not give Contemporary Information Corp. ( CIC ) to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX, XXXX XXXX XXXX Apartments consent to share my stolen information, a guy off XXXX i got into a argument with copyrighted my birth right name and stuff went crazy on my credit report again and i been fighting identity theft for so long now. This disclosure violates the XXXX XXXX XXXX ( 15 U.S.C. 6802 ( b ) ) and may also constitute a criminal offense under 18 U.S.C. 1028 ( c ) regarding fraud and related activity in connection with identification documents, authentication features, and information. 

CIC actions also violate Violation of 15 U.S.C. 6802 ( b ) Under 15 U.S.C. 6802 ( b ), financial institutions, including consumer reporting agencies like CIC, are prohibited from disclosing nonpublic personal information about a consumer to nonaffiliated third parties without providing the consumer with a clear and conspicuous notice that accurately reflects the institution 's privacy policies and practices. Additionally, the consumer must be given a reasonable opportunity to opt-out of such disclosures before they occur. 
I have reviewed my records and have not received any notice from CIC regarding the disclosure of my information to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX, XXXXXXXX XXXX XXXX XXXX. Moreover, I was not provided with an opportunity to opt-out of these disclosures. This lack of notice and opt-out opportunity constitutes a clear violation of the statutory protections afforded to me under the XXXX XXXX. 

Finally C.I.C. actions also is a Violation of 18 U.S.C. 1028 ( c ) Further, the unauthorized disclosure and potential misuse of my personal information may fall under 18 U.S.C. 1028 ( c ), which addresses fraud and related activity in connection with identification documents, authentication features, and information. Unauthorized disclosure of my personal information without proper notice and consent could constitute a violation under this statute.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

Account Name : XXXX XXXX XXXX XXXXXXXX - Opened on XX/XX/XXXX Account Name : XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX # XXXX - Opened on XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated the federally protected consumers rights to privacy and confidentiality under 15 USC1681. XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX & XXXX ( Originanal Creditor XXXX XXXX account XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) account # XXXX I looked at my Experian report on XX/XX/year> and noticed that somethings are incomplete and inaccurate according to the Fair Credit Reporting Act. Whenever a consumer agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy according to 15USC1681 ( e ) ( b ) And according to 15 USC1681i ( 5 ). They are suppose to do this treatment of inaccurate or un verifiable information .In general after any reinvestigation under paragraph ( 1 ) and information disputed
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit report pulled by a bank because I am in the process of purchasing a home. On my credit report, Trans Union shows a student loan from XXXX XXXX University ( where I attended ) for {$2000.00} that caught my attention because I had never seen it before and have been paying on my student loans since XXXX. The credit report stated this loan has not been updated in Trans Union 's system since XX/XX/XXXX. I contacted XXXX XXXX University and XXXX XXXX ( which is the loan provider XXXX XXXX uses ) and they could not find this loan anywhere in their system. After 50+ phone calls to XXXX XXXX and XXXX XXXX from XXXX, Heartland concluded that this portion of the loan was never updated to Trans Union from XXXX XXXX, which is the loan provider XXXX XXXX used XXXX XX/XX/XXXX. I attended XXXX XXXX University from XXXX XXXX XX/XX/XXXX. In XXXX of XXXX, XXXX XXXX university transferred all of the student loan accounts from XXXX to XXXX XXXX. On my credit report from Transunion, it is showing I still owe XXXX  that loan amount because Transunion has not gotten any updated loan information from XXXX XXXX about my account since XX/XX/XXXX. So, it is still showing on my credit report that I have a balance with XXXX XXXX of {$2000.00}. Transunion informed me the only way this can be changed is if XXXX XXXX sends them an updated report showing that this account no longer exists or has been transferred/paid off. I called XXXX XXXX 3 times on XX/XX/XXXX and they informed me they can not help because they can not find my loan account ( because it was transferred to XXXX XXXX ). They are unwilling to help me and I do not know where else to turn. I can confirm this loan amount was with XXXX XXXX because all of their loan accounts start with the same XXXX numbers, and the account number that is on the attached document match. I need this removed from my credit report because it is no longer valid, and no one will help me. The attached file is information of the account balance I am referring to. I tried to file a dispute with Trans Union and this was the result. Trans Union reached out to the contact information provided, but it is the contact information for XXXX XXXX, not XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to find incorrect accounts on my credit report, and I dont understand how this happened. I check my credit report often, but suddenly, discrepancies showed up out of nowhere. I even tried refreshing my browser, thinking it might be an error, but the inaccuracies were still there. Because of this, Im asking that the documents I've provided be carefully reviewed so I can finally stop stressing over this.
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. 
These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

They call me 4-5 times a day every day of the week.
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you today to file a final dispute regarding several unauthorized inquiries and unverified collection accounts that have been reported on my credit file. I have previously disputed these items, but they have not been removed despite my efforts. 

The items in question are as follows : XXXX  XXXX Bankruptcy Case Number : XXXX To the best of my knowledge, this does not belong to me. I have repeatedly asked for it to be removed from my credit file, but it remains. This has caused significant stress and anxiety in my life, as it has prevented me from obtaining credit when I have needed it most. 

UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION AMERICREDI Date of inquiry : XX/XX/2021 UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION AMERICREDI Date of inquiry : XX/XX/2021 UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2021 UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION ALLYFINANC Date of inquiry : XX/XX/2021 UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/2021 UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION ONEMAIN Date of inquiry : XX/XX/2021 These inquiries have also caused me significant distress, as I have not authorized these companies to pull my credit report. This has caused me to feel violated and powerless, and has impacted my ability to obtain credit when I have needed it. 

I would like to share a personal story of how these issues have affected my life. Due to these negative items on my credit report, I was denied a loan when I needed it to cover unexpected medical expenses for my child. This was a devastating blow, as my child 's health was at stake, and I was unable to obtain the funds needed to cover the medical costs. I felt helpless and alone, as I did not have any other means of covering these expenses. 

This experience has left me with significant emotional trauma, as I have felt the weight of financial hardship and its impact on my family 's well-being. It has caused me to question whether I will ever be able to regain financial stability, and has left me feeling hopeless. 

Therefore, I ask that you enforce the legal rights that protect me as a consumer, and that you require the creditor to remove these unverified collection accounts from my credit report. I am confident that with your assistance, I will be able to regain control over my financial situation and move forward with my life. 

Thank you for your time and attention to this matter. 

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

I have tried to open an checking account at the XXXX XXXX  seeing that I can open an savings account with them. They refuse due to the inquires on my XXXX XXXX file. I have been fighting XXXX XXXX to get my report and score to due disputes and see whats there and it took 6 months to finally get to sign in and now i cant see nothing on my report and notable to use the tools on their website. also finally recieved my report from XXXX XXXX  and no report is found from any banks nor credit unions. On the other hand I have a ton of inquiries from trying to open an check account. Not being able to obtain one for the score they are reporting due to the inquiries is the problem, I have disputed the inquiries but they state they dont report a score and the inquiries should not be a problem. I tried contacting XXXX and they state they cant supply an answer for why they wont open the checking account and to contact XXXX XXXX. it is a burden to me and not getting no resultion.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX located in XXXX, GA ; EXPERIAN located in XXXX, TX and XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this 3 bureaus namely XXXX, EXPERIAN AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Credit card or prepaid card

I used my citi bank Master Card on the XXXX of this month to buy new Tires for my car XXXX it was paid by citi bank ... I get an email from citi bank saying my account has been closed as of the XXXX. I called today on the XXXX and spoke to Supervisor she told me my account is closed and I cant do anything about it she wants me to pull my credit again ( I asked why did the charge go through used it so it cant be cancelled ). I feel am being discriminated because of having good credit citi does not want to respect that I already used the card .... They should open my account without having to pull my credit ... ..
Product: Credit card

Theyre being prejudice against me theyre denying every application title, XXXX subsection title, XXXX faults, misleading in denial of my own personal credit