23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

PHEAA invalidated the address once again after they advised me of this on XX/XX/2024 via email. I sent the following message to PHEAA as a result of this, because PHEAA is overextending its allowed actions. At this point, PHEAA should not be invalidating my address for any reason. When PHEAA does this, it begins to open the door for XXXX XXXXXXXX to occur. PHEAA is acting irresponsibly by invalidating my address after all the complaints made against them about this. Again, all mail will continue to be sent back, and PHEAA should not be using that as a reason to claim my address is invalid. PHEAA was also issued a Fair Debt Collection Practices Act notation for the ongoing violation of my rights by the Agency. PHEAA has sent loan information about my loans to people who no longer reside at addresses they have on file. This causes major concern as the addressee who would live at these addresses now could potentially open the mail and steal my information. Even if there is partially masked information, this is irresponsible of the Agency to even consider doing this given that I've communicated with them about NOT doing this on several occasions. 
-- As of XX/XX/2024, your Agency advised of contact information being invalidated. No contact information has changed since the last time your Agency misrepresented itself by claiming contact information was invalid. You may continue to invalidate the address although your Agency has been informed multiple times that the contact information is correct and will not change unless I reach out to you advising otherwise. These repetitive tactics will only prove that your Agency is operating in a wasteful manner. There is no governmental requirement to invalidate addresses of borrower as a result of receiving mail that is returned for the conveyance of Borrower and Cosigner simply not wanting it. Your agency is running out of reasons to continue doing this. --
Product: Credit reporting or other personal consumer reports

Navient is reporting a late payment that needs to be removed. I have had this account for a very long time, I put this account on auto pay and seem to have issues. Navient recently cancelled my auto pay without any notification to me. I noticed that the payment did not go through as normally so I went ahead and looked and sure enough they never drafted it because they cancelled it. I went ahead and put it on auto pay again and made the payment however, they notated the payment as late and it is now affecting my credit file. This needs to be removed as it was not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I dispute the inquiry on my credit report made by XXXX on XX/XX/2023. I have no recollection of authorizing this inquiry and believe it violates consumer protection laws. The Fair Credit Reporting Act ( FCRA ) guarantees accurate reporting of credit history. Please investigate this matter and provide documentation to validate the legitimacy of the inquiry. If you fail to do so within 30 days, I request its removal from my credit report. Kindly confirm receipt of this letter and update me on the investigation.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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. 

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

In accordance with Fair Credit Reporting Act XXXX, acct number beginning with XXXX, XXXX XXXX XXXX  ( date opened XXXX. XXXX, XXXX ), acct number beginning with XXXX XXXX XXXX date opened XXXX XXXX, XXXX ), acct number beginning with XXXX XXXX XXXX XXXX XXXX ( date open XXXX XXXX ), acct number beginning with XXXX XXXX XXXX XXXX ( date XXXX XXXX XXXX ), XXXX XXXX XXXX acct number beginning with XXXX ( date opened XXXX XXXX, XXXX ), XXXX XXXX XXXX ( XXXX XXXX, XXXX ) XXXX XXXX  ( XXXX XXXX, XXXX ), XXXX  XXXX ( XXXX XXXX, XXXX ), XXXX XXXX XXXX acct number beginning with XXXX ( date XX/XX/XXXX ) XXXX XXXX  ( date XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) Has violated my rights 15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A section 2. also states a consumer reporting agency can not furnish your acct without my written instructions.
Product: Debt collection

I keep getting calls from interstate recovery collections threatening me that they have a recording of me ordering over {$1000.00} worth of magazines. I do mot think this is accurate. I dont read magazines and they call constantly from different numbers threatening to send this recoding somewhere although they don't say where when i ask. Then they get nasty and hang up on me. I'm sick of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2017 / account # - ( XXXX ) / amount {$2100.00} I did not open this account. I sent a letter to the debt collecting agency over 30 days ago, no response. I also reported it on the credit karma and instead of verifying the requested information it was considered " verified ''. A copy of my signature on an original contract was not furnished at the time of this " verification '' process. 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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


Please note, since I have already sent this letter over 30 days ago with no response my rights have already been violated.
Product: Money transfer, virtual currency, or money service

Hello. 
I used XXXX at XXXX to transfer money and I closed the account because I had to go back to XXXX. 
The date was XX/XX/2020. 
I supposed to receive money by today but I did not still get it. 

Before I close account, I asked banker whether it is ok or not and he told me that it is ok because it did not show any error. 
But actually I think there is an error. 

And may be I found what the error is. 

I told the recipient account number is " XXXX ''. 
But I think may be I needed to put " XXXX '' which is branch code before the number. 

about this error, I called XXXX first. 
And he told me to call to XXXX, and it told me that they can do nothing. 

Why do you do rotation????? 
I am so frustrating. 

I do not need the phone number any more, but please give me the solution. 
I want you to send me money as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX and Experian have some other people information on my account I havent consented to or agree to those accounts and or companies. This needs to be regulated a little more. Ive spent XXXX XXXX XXXX  on credit repair and monitoring f for identity theft protection. Theyre no good either. Please reference the consumer protection laws/rights that allows them to get away with this.
Product: Checking or savings account

I suddenly was notified by fifth third bank about my account being in the negative. there was no reason for the account be in the negative. I then began to question the bank on why my account was in a negative balance, and the bank proceeded to inform me that a a check for XXXX was deposited and withdrawn, then a XXXX dollar check was deposited and withdrawn, the XXXX dollar check was deposited and withdrawn then a XXXX dollar check was deposited and withdrawn, the a XXXX dollar check was deposited and withdrawn, then a XXXX check was deposited and withdrawn and finally XXXX dollar check was deposited and withdrawn from this account. 
I continued to question the customer service rep concerning these transactions and notified them that i did not authorize any of these transactions at any time. They began to inform me of an XXXX XXXX who was in newyork and said that the payment was taken from the account for medical expenses. Which I have never been to any doctor in New York for any medical expenses being taken from my account. Then another check and withdrawal was supposedly for wages earned by myself from a grocery store that I was suppose to have worked. Which I have never heard or worked at any grocery store when I was able to work, because I have XXXX which at this time of my life i am confined to a XXXX XXXX, and have been for years. So there is no way that I could have traveled to connecticut to work at any grocery store. 
I have attempted to work with the bank, but the bank is refusing to give me any information on my account. So i can see no other option but to report Fifth Third Bank to the consumer finance because of their actions and practice at this bank.
Product: Mortgage

company, S.P.S. mandating flood insurance but XXXX says I have valid XXXX letters. Insurance not required S.P.S. will not honor XXXX letters charging new escrow account will not respond to inquiry for information
Product: Credit card

My son was an authorized user on my Discover account. He went to the store to use the card where he often shops, and when the card was swiped, the code came up " Call Authorities. '' Fortunately, the cashier knew him enough and did not call the authorities. 
I contacted Discover and they told me that they had requested the authorized user 's SSN and DOB by email or mail, and when they did not receive the information they removed him from the account. I understand this part due to the Patriot Act. However, I have gone through all my emails and paper mail and I received no such request. I also did not receive any notification that my son was removed from the account. 
What I am furious about is that the code sent to the merchant at the time said to " Call Authorities, '' scaring the XXXX out of my XXXX year old son, and making him look like he did something wrong. 
When I contacted Discover, the agent was very helpful, but also agreed that the code sent to the merchant should have just been a decline. I am not sure if they are having system issues with this type of decline or what, but I am so furious about this. I can not imagine what it would have been like if he had been somewhere they did n't know him and actually called the authorities, as directed by Discover. He visits XXXX and XXXX, and this is the card that I send for emergencies too! What would have happened? I am now requesting compensation for this bad bad error. I would like an account credit for no less than {$500.00}. I do n't even think that 's enough.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to significant inaccuracies in the personal information reported by FactorTrust on my consumer report. These errors include incorrect details regarding my name, address, employment history, and driver 's license information. These inaccuracies are causing a misrepresentation of my identity, which could potentially affect my financial standing and access to credit.

I am requesting that FactorTrust conduct a thorough investigation and correct these errors to ensure that my consumer report accurately reflects my personal information, as required under the Fair Credit Reporting Act ( FCRA ). 

I have attached supporting documents that clearly verify my correct information and expect this matter to be resolved promptly.
Product: Credit card or prepaid card

I applied for a Citi card on XX/XX/2020 Application ID XXXX. 

I was DENIED for having 1 INQUIRY!!!! HOW?!? 

My credit score is XXXX!!! Ive had Citi for over 12 years now and never been late, I have XXXX XXXX credit lines to $ XXXX and Capital Ones just as much. However Im denied because I had ONE INQUIRY?! 

Thats XXXX 

Ive spoken with their fake reconsideration department and was still denied, theyre saying because I was Approved for a XXXX XXXX a few days prior that disqualifies me for any products?! Thats XXXX!! Im XXXX off!!!
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I looked at my XXXX credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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
Product: Credit card or prepaid card

on XX/XX/XXXX I had accessed my credit report for review. I found that my XXXX XXXX CC ( XXXX  ) was closed in XX/XX/XXXX. Today i called XXXX CC and asked if i can have my account reinstated. I have been a loyal card member with 99 % ontime payments since XX/XX/XXXX and my card was closed d/t inactivity. The initial rep said there was nothing she could do and gave me to supervisor XXXX. XXXX basically stated the same notion. However, she stated that express sends out notifications if accounts are going to be closed and the cardholder has 7 days to respond to the notice. I stated that i did not receive a notice from XXXX. She placed me on hold to verify if a notice was sent. After being on hold for over 10minutes our line was disconnected. 
I then called back and spoke to a different supervisor by the name of XXXX. XXXX stated that XXXX did not send a notice to me in XX/XX/XXXX and that my account is closed d/t inactivity. I tried to explain my long good standing with the company and how in the past 5 years i've had XXXX kids and that was the reason for the inactivity. Additionaly, my husband was XXXX from XX/XX/XXXX-XX/XX/XXXX and i had no opportunity to use the card with children in tow. XXXX stated he can not re-instate my account. 
I had a similar situation with XXXX and they re-opened my account for use on the spot.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letters of in XXXX XXXX2022 my Tracking numbers are for XXXX XXXX, Trans union XXXX and XXXX Told the credit bureaus to " investigate every piece of information and I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant, or else wise compliant to every single one even each any and all of the regulations, applicable laws, and or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. The following challenged information is among such allegations of which each and one all require immediate deletion or REMOVAL FROM REPORTING otherwise. I DEMAND rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 
They Stated my account has been verified but how is that possible if they did not do a proper investigation according to law. Also every piece of information on these accounts are still not reporting reporting 100 % Accurate. According to the FCRA 15 USC 1681 everything has to be 100 % Accurate. 
list of Accounts see the attachments of accounts than need to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at XXXX trying to apply for a credit card. As they submitted my information I was told I was denied and that it could be due to a low credit score. I wondered for days what could be the other reasons for this. I knew I had outstanding credit. I got my credit pulled and found out the problem I am a witness of identity theft. Most of these open accounts that have been open for a while do not belong to me. Please remove these items from my account. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX   XXXX {$8400.00} XXXX/XXXX XXXX XXXX {$490.00} XXXX XXXX   XXXX XXXX {$650.00} US DEPARTMENT OF ED XXXX {$7000.00} US DEPARTMENT OF ED XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I XXXX, XXXX XXXX XXXX FOR XXXX XXXX XXXX, beneficiary ( XX/XX/2023 ) have placed numerous complaints with TRANSUNION through the CFPB about the inaccurate reporting of non public information. The continuous sharing of inaccurate, non public information without my expressed written consent of my consumer credit report has been ruining my reputation and is identity theft. The information being reporting is not relating to any transaction made by the consumer. 

Please See Attached Documents
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 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 that 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 ( i.e., an original consumer contract with my signature on it ) that you have on file for the account ( s ) listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account ( s ) listed below. I demand that the following account ( s ) be verified or removed immediately : 1 ) XXXX XXXX XXXX Account number - XXXX Date opened- XX/XX/XXXX XXXX ) XXXX XXXX, XXXX Account number - XXXX Date opened - XX/XX/XXXX I respectfully request to be provided with proof of this alleged item ( s ), specifically the contract, note or other instrument bearing my signature failing that, the item ( s ) must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. In addition, please remove all non-account holding inquires over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within fifteen ( 15 ) days of the completion of your reinvestigation. 
Thank You
Product: Credit card

I closed out my credit card last year, paid off my balance in full last month leaving me with a XXXX balance which means I am now officially done with Big Lots or Commenity. No, my payment was not late. I paid it on XX/XX/XXXX and payment was not due until the XXXX. I should not be receiving a statement from them and yet I received a statement for {$3.00}. When I called on XX/XX/2023 between the heavy accent that I could not understand I got out of her that the {$3.00} is a floating fee just in case I didn't pay off my balance? A floating fee??? What on earth is a floating fee and how in good heavens can they charge interest on a XXXX balance? How is this legal? She's sorry but I have to pay the {$3.00}. I don't think so. At this point I do not owe them a dime and I suggest they remove that from my account and considered it paid in full.