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

On my credit report with FedLoan it shows I have XXXX accounts/ loans. 
My loans have been in forbearance and/ or a {$0.00} payment re-payment plan. 
My account shows that the loans were late but I never had a payment due because I didnt have a payment. 
I have spoken to FedLoan many times and they said that they can not undue the mistakes that someone else made on my account because they can not verify what that person said. But the fact of the matter is I never had a payment to make. 
I have requested that the three credit bureaus investigate the accounts many times but the accounts are never corrected and the late/ missed payment reporting still shows. 
Now that the account is closed I can not do anything. 
This information is hindering me from be able to securing funding and operate my business. 
In accordance to 15 U.S.C. 1681a 602a the information furnished and being reported is inaccurate and causing tremendous burden.
Product: Money transfer, virtual currency, or money service

XXXX XXXX I XXXX  money to my cousin. However the account closed and I called Bank Of America and request a refund. The agent didn't fulfill my request. After making a complaint to you in XXXX, BOFA decide to contact me, promising to refund my money. Only for the disrespectful agent XXXX blaming me for not getting my money back.I would really like my refund cause I want no business with the bank after being stereotype 2 time at the branch at XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


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

he List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S. C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2 .Account Name : XXXX  XXXX Account Number : XXXX 15 U.S. C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, Delete this account immediately, unless you want to be held {$1000.00} per violation 3 .Account Name : XXXX  XXXX Account Number : XXXX 15 U.S. C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction, Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Student loan

Navient Student loans : I have been unable to figure out why, when I make an overpayment, my due date is not advanced when I direct it to be. I have gotten several different answers, including from customer service management, none of which make sense to me. An example : In XX/XX/2019, my amount due for that month was {$0.00} on XX/XX/XXXX, because I had made an overpayment already to advance this to XX/XX/XXXX. In XXXX, I made a full payment anyway, distributed as per federal requirements, and had instructed them to advance the due date. Despite this, my due date was not advanced, and remained XX/XX/XXXX. What Navient is saying is that, despite having a {$0.00} balance in a given month, I would have to pay two full monthly payments anyway, in order to advance the due date by one month. This makes no sense, as both payments would already be overpayments.This has happened to me repeatedly over the past two years. I have contacted them numerous times ( for which I was given different explanations and told it was fixed ), and it took a year ( and me directly emailing their CEO ) in order to get the above explanation ; which I still don't think makes any sense.
Product: Payday loan, title loan, personal loan, or advance loan

To whom it may concern, My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and I am writing you with a concern I have. I took out an unsecured loan with Reprise Financial on XXXX XXXX in the amount of XXXX dollars. I have been making on time payments since the first payment date in the amount of {$270.00}. To date this company has only reported XXXX payments to the XXXX credit bureaus leaving the loan to appear as if payments are not being made and the outstanding balance {$6400.00}. The company has failed to report XXXX XXXX payments to my credit report. The balance new balance that should be reported is {$5400.00}. Account number is XXXX. I contacted them at the consumer advocacy phone number XXXX and was told that they were reporting to all three bureaus and the balance reflected on my reports was accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA 15 USC 1681a A ( i ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
My transaction history between I and Capital One Auto Finance is excluded from the consumer report. 

Capital One Auto Finance is reporting Late Payments on consumer report I have 9 missed payments and the dates are different on all three credit bureaus.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within XXXX  days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within XXXX days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Account Name : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00} Account Name : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT :
Product: Credit reporting, credit repair services, or other personal consumer reports

I've spoken to Transunion several times and a majority of the time the reps are very rude.. My last call was XX/XX/XXXX, I spoke with XXXX who claimed she was a supervisor.. I was following up on a dispute from creditor XXXX XXXX  that the Transunion claims to have verified as a valid debt. I asked could they send me the method of verification used or any information they have that validates this debt. She told me she didn't have any and that if I needed it to get it from XXXX XXXX. I went on to explain to her that according to the FCRA guidelines that it is my consumer right to request this information and that it is Transunion 's duty to provide it to me upon request and to also report factual verified information. She got upset with me when I started quoting FCRA rules and guidelines according to the law and told me if I didn't have anything further or anything else to talk about then have a good day and hung up on me
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  : Account XXXX  XXXX - XXXX. XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Collections account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fraudulent Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I viewed my Consumer report and I noticed that the information from my auto loan from Prestige Financial is reporting across the Credit Reporting Agencies is inaccurate. Under the FCRA the law states the following. 

623 - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court
Product: Money transfer, virtual currency, or money service

I am unable to send payments using my credit card, using VENMO. The payment is for my mother to help pay for car insurance. I would not want her to revive any over draft fees from her bank. I would like to resolve the issue as quickly as possible before the holidays. There explanation for the reason my account is that I needed to wait or use PayPal.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, I XXXX XXXX XXXX is attaching this complaint against TransUnion Credit Reporting Agency for allowing fraudulent inquiries on my Credit Report. 

Please find attached my ID, the complaint, and the letter confirming that they have deleted the inquiries and an invoice with the remedy requested I am submitting this claim on behalf of myself with a sound mind. 

The requested remedy is attached to my complaint.
Product: Student loan

I enrolled as a student with XXXX last quarter of XXXX. I went through the admissions process and became eligible to start classes for the spring semester. I relocated from XXXX to XXXX MN and signed up for classes before end of XX/XX/XXXX. When I was scheduling for my classes a financial aid advisor began to request information, I already submitted using baseless arguments. For example, he insisted I must provide transcripts from a school that was no longer open, the school was closed for fraudulent activity almost a decade ago. He kept threatening to cancel my loans because the department of education won't pay for the same college credits. I don't have a XXXX, XXXX XXXX or any XXXX XXXX. The only certification I have from previous education is an XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Every time I presented documentation to show his concerns were unmerited made him double down on his antiques. He rejected or canceled my XXXX XXXX stating I wasn't eligible without my consent. I escalated the issue and he presented to his oversight documentation after he cancelled the loans to show no loans were ever approved and I was unable to pay for the course I had applied for. I was scheduled to take a final exam XX/XX/XXXX and then advance to the practical training but my classes were dropped and told to start over next semester. I was relying on my XXXX XXXX for my living expenses.
Product: Money transfer, virtual currency, or money service

Last Friday, XX/XX/2024 my buddy sent me {$850.00} via Venmo. It showed up in my account like normal however, as soon as I tried to make any transaction whatsoever, I tried to transfer it to my debit card on file and which Ive done before I tried to buy cryptocurrency I tried to send it to my friend so he could try another way to give me the money, however, I was stopped multiple times with fail transactions when reaching out to Venmo support, they took an extensive amount of time to get back to me and when they did, they let me know that he needs to verify my identity so I did and instantly to make transaction however they froze my account again I went through the process again to get my account unfrozen and the transactions that I tried to make once my account was unfrozen just last night XXXX XXXX I was not able to make any transactions so my money has been stuck in this account since I received it and nobody over there can tell me why or what the reason is just a system flag so I can however make a standard transfer which could take up to five days that is ridiculous. As I mentioned to them I was traveling and I needed the funds when matter why I needed the funds.
Product: Credit reporting or other personal consumer reports

My Equifax information has been breached, here is the proof. They refuse to delete these accounts, so please delete these from my credit reports immediately. As I was a victim of this data breach. 

XXXX XXXX XXXX XXXXAccount XXXX XXXX XXXX *Account XXXX XXXX XXXXXXXX *Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX *Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXAccount XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XX/XX/XXXX ; XXXX BANK XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I currently have two private loans with Navient. The first loan was taken in the amount of {$15000.00} and is now after interest {$28000.00}. The second loan I took was in the amount of {$12000.00} and is now {$22000.00}. My total loan balance has nearly doubled and now {$50000.00} and growing when my original loan balance was {$28000.00}. I have been on the payment reduction plan because the normal monthly payments they expect me to make are truly unrealistic and impossible for me based on my income. I have made my best attempt at making every payment in the payment reduction program however the balance continues to grow because those payments I am making are simply going to growing interest. At this rate I will never be able to pay off these loans and simply do not know what to do. I believe I was deceived by XXXX XXXX when I took these loans and had I known what I would be going through now I simply would have never taken private loans in the first place!
Product: Vehicle loan or lease

Was charged {$570.00} miscellaneous fee on my XXXX statement. Called and was told it was for a repossession fee however my car was never repossessed. They are refusing to take the charge off and this is the second time I have dealt with them either trying to illegally take money from me or " losing '' payments that I have made.
Product: Credit reporting or other personal consumer reports

I have XXXX XXXX XXXX  XXXX and they reported late payment for XX/XX/year> to experian. The company suspended my account without my consent and blocker access to view or pay the balance. They also did not send out notification on balance and reported to credit bureau. I have opened the dispute with experian 4 times and they said it is accurate. I am unable to reach them or make them understand the reason. The information may be accurate but the reason for the late payment is XXXX. 

Since, I have called XXXX up and repaid the full amount they are not incentivized to correct their mistake. Experian is unwilling to do the right thing and am unable to reach human dispute specialist as the AI won't connect the phone. The late payment was XXXX $ and this has decreased my score by XXXX points. This is unfair, though the other Bureau initially agreed with my dispute, they have all added Experian 's results now.
Product: Checking or savings account

There was a credit card charge on my account from a XXXX XXXX I did order candles from them but they would not be in time for a trade show i needed them for so i canceled the order. The company shipped them anyway I refused shipment. I never brought the boxes into my home, I did not want them - however the company charged me {$1000.00} XXXX disputed the charge - Chase wanted me to provide the company received the product back. I don't have that information I was not the shipper nor did I take possession of the item They kept asking me for something I did not have. I did not get the product and should not be charged for it Chase removed the charge- then placed it back onto my account when I did not give the tracking. I cant give Chase something I dont have - I refused the product
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXXXXXX XXXX failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues which may violate the Electronic Funds Transfer act ( EFTA ) as it requires timely access to funds. This situation rises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ( my.equifax.com ) online account login fails. Reset password fails. Account recovery fails. Phone support is unable to resolve the issue.
Product: Credit reporting or other personal consumer reports

someone stole my identity and opend a bunch of fraudenlt accounts in my name please investigate these accounts.