23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

To who it may concern. On XX/XX/2019 XXXX XXXX  PST I made an international money transfer using Remitly to a friend in XXXX in the amount of {$430.00} USD which emulated to XXXX in XXXX currency. The transfer number was [ Transfer No. : XXXX XXXX XXXX XXXX ]. the recipient didn't receive the transfer and called them to notify the problem. They said it went through I should send a bank statement as proof which I did. Within 8 days of this still didn't hear from them. Made various calls within this period to resolve this but they don't seem interested. I would like help on how to proceed with this matter. Note : password in the uploaded bank statement is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed and paid XXXX auto loan account is reporting late payments that are not actual. I would like the late payments removed or the entire trade line deleted from my credit reports with all 3 bureau 's
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

US DEPARTMENT OF EDU ( Original creditor : DIRECT LOANS ) XXXX Balance : {$10000.00} US DEPARTMENT OF EDU ( Original creditor : DIRECT LOANS ) XXXX Balance : {$4100.00} US DEPARTMENT OF EDU ( Original creditor : DIRECT LOANS ) XXXX Balance : {$4200.00} US DEPARTMENT OF EDU ( Original creditor : DIRECT LOANS ) XXXX Balance : {$7600.00XXXX 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: Checking or savings account

I used to have a bank account at Wells Fargo back in XXXX and one day I went to the ATM machine and my account didnt exist any more. I didnt do anything at that time I just feel frustrating. I dont really know how much money I had in the account. Days later I went back to the bank and they told me I didnt have an account. I was mad and I just left I was younger and I really didnt care about money but even if I dont receive anything I want to support other people because wells fargo is the worst bank ever. They steal your money. They steal my money back there.
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, The XXXX XXXX XXXX XXXX. 
As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 
Because of the numerous claims of fraud and misconduct perpetrated by The XXXX XXXX, the Biden administration has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 
My Federal loans in the amount of {$57000.00} were discharged and my credit repaired.

I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. 
These private loans with a high risk of default were part of a package deal offered to " for profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 
I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools.

After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates?

Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? 
Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. 
This application is a sham. 
Why do we need to prove anything? 
Navient knows who we are. 
Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools.

Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 
XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
Product: Checking or savings account

On XX/XX/2020 I was charged XXXX by a Third party vendor for a device and service. The device was defective and the service unusable. I went back to the store on XX/XX/2020 and asked for a refund as the company has a 7 day money back guarantee. 
I was refused a refund and instead told there was nothing they could do and they did not have a return policy. After speaking to several other locations I learned that specific location is not following practices and rules put in place by their corporate office. 
On XX/XX/2020 I filed a dispute with Chase as the location had sold me a defective device with unausable service and was refusing to honor their money back policy. This is a common way they scam customers. I gave Chase detailed information about the situation and recieved a credit for the amount disputed. 
On XX/XX/2020 I recieved a statement from Chase claiming that after their research they have concluded the charge is correct and the retailer is not at fault and are now charging me for the disputed amount of XXXX. I had to pay more to switch companies in order to have working service and also had to pay for a new device.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to Dispute a recent credit report listing on my accounts, which i believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ) XXXX acct # XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX In Accordance with the fair credit Reporting act all these Creditors violated my rights 15 USC 1681 Section 602 States i have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 16666B : A creditor may not treat a payment on a credit card acct under an open end consumer credit plan late for purpose I kindly request that you Conduct a reinvestigation of the Disputed Information and remove the inaccurate listing from my credit report as soon a possible. if the information can not be verified the accuracy of the information it must be removed from my credit report in accordance with Section 1681i of the FCRA Thank you
Product: Credit reporting or other personal consumer reports

The credit agencies Experian, XXXX and XXXX are not authorize to use my identity to list the accounts, the accounts listed are an error. I do not lawfully owe the debt listed. Provide verification of claim against me ( a sworn affidavit ) and a copy of the signed contract signed by both parties binding parties to an agreement. 

XXXX XXXX XXXX XXXX XXXXk XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In XXXX I defaulted on a Bank of America credit card, which caused my promotional rate to sky rocket to the default rate. I contacted BofA and asked them what my options were to get the rate lowered, they told me I could opt out, that would close my account and look in a lower rate until the balance was paid. I agreed to do that. A few months ago i pulled my credit report, I see that BofA is reporting " account closed by creditor '', I disputed this with the credit reporting agencies, BofA responding saying that was correct. I sent them a certified letter, letting them know that they are reporting incorrect information, they responded saying they are not. I called and spoke to someone that told me my account had been closed by the creditor, in XX/XX/XXXX, I told them, thats false, i closed it in XX/XX/XXXX. We have gone round and round, they claim they have done XXXX investigations and found that they in fact closed it in XX/XX/XXXX. Well I was either mislead in XX/XX/XXXX or im being mislead now, and in XX/XX/XXXX i was not informed they closed the account, had i been informed I would have told them then that was incorrect. Only did I find out their claim to have closed the account in XX/XX/XXXX, during my attempts to have them report correctly to the credit reporting agencies. I closed the account in XX/XX/XXXX, regardless of what their bias investigation is showing now. there has been no activity on the card except payments since XX/XX/XXXX. Bank of America is such a huge corporation, its hard to believe that they have such shady business practices. Lying to their customers.
Product: Credit reporting or other personal consumer reports

On one unfaithful afternoon, I saw that my credit report was showing up some inaccurate accounts. This disappointed me as I have no idea why these inaccurate accounts are showing up on my report. Please look at the documents I've sent regarding this.
Product: Credit reporting or other personal consumer reports

Hi Equifax, I don't know what is going on here. I just received a copy of my credit report today and I found this fraud collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THAT shall delete from my credit report. I never have XXXX  phone and also this is the first time I seen this fraud collection without an opened date. I would like to know how this account was opened and my wit of signature because this is a fraud collection opened without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I transacted with XXXX XXXX XXXXXXXX to get a home mortgage pre-approval, which according to them required a credit report be pulled from XXXX, XXXX, and Experian. Starting on XX/XX/2023 I have received on average 10 phone calls per hour on my mobile phone from mortgage companies soliciting home mortgages. The credit bureaus clearly shared my information to others outside XXXX XXXX XXXXXXXX without my consent and now I am being inconvenienced at an unacceptable rate with calls, texts, and emails.
Product: Student loan

Im currently with Navient  as my loan servicing company and I have tried MULTIPLE times to work with Navient with no success and no relief in the end. Navient received my loans from Sallie Mae after the switch and I have continuously tried to work with them since XXXX the year of graduation. My original loan was for XXXX from XX/XX/XXXX with a 6 % interest rate. I have have ASKED on several occasions can I get a lower payment with Navient and time and time again I was told " I do not qualify based on my income '' and to just do a forbearance. Then I proceed to ask for the income based repayment based on the fact that I work fro the Department of Veterans Affairs Healthcare ( worked from XXXX & then from XXXX to present ) and have continuously. Again I was denied because of income and even denied based on the location at which I work. Which I thought the VA was a facility that was granted forgiveness because of income and population. Overtime, I have incurred several forbearances and now the loan has trippled in what is owed due to the forbearance and the interest rate. NAVIENT does not work with working mothers trying to stay above water on maintaining a good credit to be able to provide for her children. In addition, when you tell NAVIENT you can't afford what the payments are going to be there wonderful customer service says " how about a forbearance until while we check for applications for the IBR-income based repayment ''. Soon after you will get the denial and back to square one ... SO FRUSTRATING AND DEFINITELY SOMETHING THAT STRESSES PEOPLE TO THE NEXT LEVEL.
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 XXXXXXXX Account Number XXXX Account Name : XXXX AUTO Account Number XXXX Account Name : XXXX XXXXXXXX Account Number XXXX and 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 XXXX 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 recently received a copy of my Equifax, XXXX and XXXX consumer report. I noticed some accounts being furnished on my consumer report without my consent as the CONSUMER!! 

XXXX XXXX BANK ACCT # : XXXX This company is in clear violation of the LAW!. Pursuant to 15 USC 1681b Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I NEVER gave anyone written instructions to furnish this account on my consumer report!
Product: Debt collection

They are trying to collect something thats not under my name which I already spoke to them and they said my name and all the information I gave them is not showing on their system. That they have about 60 names like mines with owing a debt but nothing with my information. The collection agency is called I.Q. International Data theyre phone number is XXXX the balance is {$5000.00} for XXXX XXXX XXXXXXXX XXXX XXXX  XXXX This was opened on XX/XX/2021 thats what shows on XXXX XXXX. I have not lived in apartments over almost 14 years, my address does not match what they say. Thank you. How can I send documents or letters of something that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX stated that payment was late 30 - 59 days late and that is false. I am current I talked to manager XXXX and he stated they will fix the issue. Months later I still see missed payment.
Product: Credit reporting

Inaccurate employer information XXXX XXXX XXXX i have never used or herd of that name before
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

XXXX XXXX XXXX claimed I owe XXXX. They could not provide me with “validation”; that is competent evidence bearing my signature, showing that I have (or ever had) some contractual obligation to pay them. I have not heard from the company saying that I owe them. Also when I called I got no response. A certified letter was sent and I received nothing.
Product: Credit reporting or other personal consumer reports

The attached letter serves as a formal demand to LexisNexis Risk Solutions XXXX regarding repeated violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws related to the inaccurate reporting of bankruptcy Case # XXXX. Despite multiple prior disputes submitted to LexisNexis, the XXXX major credit bureaus, and the Consumer Financial Protection Bureau ( CFPB ), you have failed to address the validity of this record and the legality of its dissemination. It is critical to note the following key violations : 1.Source of Information : The negative information pertaining to Case # XXXX was not directly reported or confirmed by the XXXX Bankruptcy Court , which is the sole authorized source of such records. Instead, LexisNexis relied on secondary sources such as PACER without proper verification of the informations accuracy or legitimacy.

2.Failure to Provide Notice : No pre-placement or post-placement notice regarding the reporting of this negative information was provided to me, as required under FCRA 1681i ( a ) ( 6 ) and related provisions. Per FCRA, consumer reporting agencies must notify consumers both before and after furnishing negative information to their credit reports, yet this did not occur. 
3.Breach of Security Freeze : A security freeze has been in place on my LexisNexis file XXXX prevent unauthorized access or dissemination of my information. Despite this, LexisNexis negligently transmitted my private data, including the bankruptcy record, to the nationwide credit reporting agencies in clear violation of my rights under FCRA 1681c-XXXX. The repeated mishandling of this matter has caused significant harm to my financial standing and reputation, including the continued degradation of my credit profile and missed opportunities with potential creditors. This demonstrates not only negligence on the part of LexisNexis but also a flagrant disregard for federal consumer protection laws.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, XXXX, I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. As part of the financing process, the dealership required access to my credit report through **TransUnion**. However, I discovered that my **XXXX** account ( TransUnions identity protection service ) was locked due to errors on their part. Specifically, TransUnion had added several unauthorized individuals to my account, which prevented me from unlocking my credit report. 

Despite multiple attempts to contact XXXXTransUnion to resolve the issue, they were unable to unlock my account in a timely manner. I was told the issue would be fixed, but I did not receive any updates or resolution for an extended period. Although they claimed the issue was resolved a couple of days ago, they failed to notify me, and the problem was only **barely resolved today, XX/XX/XXXX, XXXX. As a result, my auto loan application was denied because the lender could not access my credit report. This has caused significant complications with the dealership, and I am now concerned that they may repossess the vehicle I was driving due to the unresolved financing issue. 

Additionally, the dealership may have already sold my trade-in vehicle, leaving me without compensation for its value. TransUnions failure to maintain accurate credit information and resolve the issue promptly has caused me significant financial harm, emotional distress, and unnecessary inconvenience. 

I am requesting assistance in resolving this matter and holding TransUnion accountable for their errors and failure to act in a timely manner.
Product: Credit reporting or other personal consumer reports

I recently had all of my student loans discharged. I informed XXXX, XXXX and Transunion of this and sent them documentation that proves this and they have not updated the information to reflect the loans as having a XXXX balance.
Product: Credit card

On XX/XX/year>, I went to use my credit card like any other normal day, to my shock the card was declined. I opened up the Wells Fargo app and saw that both of my recently issued cards through Wells Fargo were closed. I called the number on the back of the card and I was told that my cards were on a block for " Income Verification ''. I was told the letter would take 2 weeks to get to me, and then I would have to send it back or go into the branch. Two weeks passed and I received my letters, one for each card, each asking for form 4506-C. I filled out the form and signed the other paperwork, and then went into a branch to submit the paperwork. The branch told me that they had no clue what to do with the paperwork and that they would overnight ship it for me. Two more weeks passed and I call customer service to ensure that my letters were received. Both letters were still not received, insinuating that the branch never mailed out my documents. The letters were reissued by Wells Fargo after talking to 5 different customer service agents. Many customer service agents had never heard of the issue that I was presenting and were of no help. I repeated the process, this time asking the Branch to Fax my paperwork, on XX/XX/year>, to the fax number provided, over the phone. I called the Credit Customer support the next day and they said that they had received my paper work. I also requested my issue to be elevated to the executive offices, which was done for both cards. On XX/XX/year>, one of my cards with a {$500.00} balance remaining completely disappeared from the app, leaving me no way to pay it off. I called the direct line of the executive office and they said that unfortunately my card had been closed, due to them not being able to verify my income. I asked how this was possible seeing that I had submitted all of the paperwork needed for them to verify my income, and my representative was unsure and elevated my case even further. On XX/XX/year>, the same thing happened on my other card, raising my questions even further. I requested information regarding the reasoning behind these closures because being unable to verify my income is not a valid reason seeing how I submitted the paperwork to do just that. I still have not received any answers and really doubt I will with how unhelpful many of the Customer support agents have been.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries not authorized by me were added to my credit history
Product: Mortgage

Quicken Loans refuses to close my loan. They pushed off my date while not requesting I provide all required information to do the loan. Now I am in a hotel with my kids and no home because of it. They told my bank I fraudulently provided bank statements for my earnest money check. Which is absolutely wrong. I had the check and everything provided to them.