23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient has been a huge problem, this morning they called my home at XXXX demanding a payment of {$100.00}, plus over {$900.00} in late fees, when I visited the website today it shows and outstanding balance of {$27.00}. First, why do we have people from other countries ( XXXX ) handling matters of student loans? Second, when I made a payment in XXXX I was told I would be given until XXXX to restart payments, now I 'm being told that is not true. The person who assisted me in XXXX is from XXXX, PA, now someone from the XXXX is stating that is not true and demanding payment today, immediately as the payment is 19 days past due. First when I took these loans from XXXX, I was never permitted to read what I was applying for, it was " sign here, sign here, sign there '' no copies of anything and next person on the line. I 'm not saying I do n't owe the money what I 'm saying is that since Navient has taken over for XXXX, it seems like the amount I owe has risen, no assistance with helping me with forbearance or other options available. First, what I studied at XXXX has never, ever been put to use, I continued to earn between XXXX and XXXX a year. Currently my wife is unemployed, I pay {$1900.00} a month rent and times are difficult, yet all Navient seems to do is to call my house 3-4 times a day, leave no message, sometimes my wife answers and they hang up. I 'm tired of being mislead by Navient and the lack of honest and willingness to assist. XXXX should also be investigated for their Student Loan practices as I believe they were taking advantage of innocent students. In XX/XX/2004, I was in total XXXX ( XXXX ) XXXX and have been diagnosed with a XXXX called XXXX which can lead to XXXX, but received no assistance from XXXX or XXXX at that time and the interest just kept rising. Previously I 've been told that I have no forbearance time left and today I was told I can consolidate my loans ( which I did a year after gradutating XXXX ), I have other options. I mean this seems like a total paradox. I have all of my original documentation that was provided to me by XXXX. As well as the IBR paperwork showing I only need to pay {$77.00} a month.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The bankruptcy reporting has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I asked Experian to reinvestigate the bankruptcy they are reporting .However, they stated everything was verified and accurate. But how is that possible if I have a letter from the courts stating they didn't report my information. I have also attached the letter from Experian stating they verified the bankruptcy with the court ( which they are lying and breaking the law ) According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to have an account from XXXX XXXX removed from my credit reports. I contacted each of the 3 major credit bureaus explaining that I do not have an account with neither of the companies listed on my credit report ( XXXX XXXX   or XXXX  XXXX XXXX XXXX ). I was told I can enter a dispute which takes 30 days to complete. Each time I put in a dispute I literally received an alert within 24 saying my dispute has been resolved with know change. In mid XXXX I contacted each bureau again asking what is the method for verifying this is my account considering I'm reporting it does not belong to me. I was told they contact the creditor and if I want more information to contact the creditor directly. 

Starting back in XXXX I've reached out to the company XXXX XXXX XXXX XXXX collecting on behalf of XXXX XXXX. The first couple of times I called ( only verifying my named, I was told I took out a loan online in XX/XX/XXXX. I explained I don't know who this company is nor have I taken out a loan with them. I've also asked for documentation with my identity information ( SS, address, DOB, dates, times and my signature on it ). To this date I have not received anything from either company. I also made a point to ask why I never received any calls or delinquent letters of collection. Neither rep could answer my questions. When I did a check on XXXX XXXX through XXXX XXXX XXXX XXXX, I see that XXXX XXXX XXXX is dissolved. I mentioned this to XXXX XXXX and basically that was brushed off and they still asked me to pay them. 

I need immediate help from CFPB, my identity has been stolen 4 times within the last 7 years. This is not my debt and I would like it removed from my credit report immediately. Trying to resolve the issue with XXXX XXXX has been frustrating and time consuming to say the least. This is literally the only bill on my report and it is damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX are not responding to any letters I sent in for Debt Validation. I have multiple incorrect errors on my credit report that they are not reporting correctly. 

XXXX XXXX XXXX OPENED XXXX XXXX NOT VALIDATED, WILL NOT RESPOND WITH VALIDATIONS DEBT IS NOT MINE XXXX XXXX XXXX OPENED XX/XX/XXXX NOT VALIDATED, WILL NOT RESPOND WITH VALIDATION DEBT IS NOT MINE XXXX XXXX XXXX OPENED XX/XX/XXXX WILL NOT RESPOND WITH VALIDATION DEBT AND ACCOUNT WAS NOT MINE XXXX  XXXX XXXX  OPENED XX/XX/XXXX WILL NOT RESPOND WITH VALIDATION DEBT AND ACCOUNT WAS NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXXXXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX have 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.

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: Payday loan, title loan, or personal loan

The expected interest rate of the loan was to be expected at 23  %. The company sent me the loan terms after they deposited the funds into my account and had the interest rate set at 767.5 %, and they are now trying to withdraw about {$530.00} per month from my checking account for 21 months totalling {$5300.00} repayment on a {$1000.00} note.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint with the CFPB informing them that the credit reporting agencies are reporting inaccurate information. Within that complaint I mentioned that XXXX XXXX XXXX XXXX and XXXX XXXX XXXX were reporting a couple of late payments for the months that I paid on time. I should not have any late payments with either company. I requested for the companies to be contacted and made aware of these errors so that they can correct and update the payment history. Somehow, in the midst of doing so, these accounts were deleted form my credit reports. I specifically typed in my complaint " please do not delete these accounts ''. By these accounts being deleted, my credit score dropped, and the length of my credit history has shortened. I have be unable to obtain new credit. Reading is fundamental, and due to the someone's mistake, I would like for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX begin furnishing information onto my credit report again, as long as they fix the errors. Here are the corrections that need to be made. XXXX XXXX XXXX XXXX. I have written this creditor and have not received a response. XXXX of XXXX *Shows 30 days late, but I paid on time. XXXX of XXXX * Shows 30 days late, but I paid on time. This creditor is also reporting two months of unknown payment history for months that I paid on time ; XXXX of XXXX *Shows unknown, but I paid on time. XXXX of XXXX *Shows unknown, but I paid on time. Please have the creditor correct the payment history of as soon as possible. Lastly, XXXX XXXX XXXX XXXX reporting a late payment for XX/XX/XXXX. I made this payment! The payment status for this account reflects " Paid, was past due 30 days '', please change this to " Paid Satisfactorily '' Thank you so much for your help with this, and please make sure I receive a copy of my consumer report upon completion.
Product: Credit reporting

I have requested from Esperian,, XXXX times for my report. I get the runaround, it is in the mail, next week for sure. Sent me a letter to tell me it would be within the next week. What re-coursedo I have, if it is a legal claim, bring it on.
Product: Credit reporting, credit repair services, or other personal consumer reports

fact, I the affiant is aware and have proof that XXXX has and definitely continues to violate my consumer privacy rights. I the affiant during my personal investigation, observed XXXX violations and counting on my consumer credit report. XXXX continues to be in violation of 15 U.S. CODE 1681 ( A ) ( 4 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A ). Even after being informed that the information was in fact incorrect and should not have be placed on there. Due to XXXX willful and gross behavior ; I have been reputedly violated and as a result of XXXX negligence, I have been Injured numerous times. The injuries include but are not limited to being denied credit, My valued reputation has been utterly disgraced and ruined, loss of business income, XXXX, and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my new credit report and i saw information which i believe, doesn't belong to me, so i am writing to dispute accounts and inquiries on my credit report. I discovered several accounts and inquiries that are not related to any transactions I have made. This indicates potential identity theft..
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX amount {$720.00} XXXX XXXX XXXX XXXX  sold my information to XXXX XX/XX/XXXX AMOUNT {$600.00} XXXX  Sold my information to XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX sold my information to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Debt collection

Midland Credit Management is trying to collect on a debt that was already paid in full on XX/XX/2020. via my savings account with XXXX  bank.
Product: Checking or savings account

My edd account in Bank Of America was accessed by another person and transferred funds since XX/XX/2023. I have been reporting this to Bank of America but they keep denying my case to give back my money. I dont know why someone can access my account when I changed all the password and secret questions.
Product: Credit reporting or other personal consumer reports

Dear, CFPB I am writing to formally complain about the fraudulent reporting of an account on my TransUnion credit report by XXXX Upon reviewing my credit report, I discovered that XXXX has inaccurately listed an account that does not belong to me. This erroneous reporting not only tarnishes my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Pursuant to 18 USC 8, I assert that I do not owe any debt to XXXX or any affiliated entity. Therefore, the inclusion of this account on my credit report is not only unjust but also illegal under federal law. I demand immediate removal of this inaccurate information from my credit report to rectify the damage caused to my creditworthiness and reputation. 

Furthermore, it has come to my attention that XXXX is not licensed and bonded in my state to collect debts. This raises serious concerns about the legitimacy of their operations and their compliance with state regulations. As such, I question the validity of their claim and request proof of authorization to collect debts in my jurisdiction. 

I expect prompt action to rectify this matter and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this issue to the appropriate regulatory authorities and legal entities. I urge you to take this matter seriously and address it with the urgency and attention it requires. 

Please acknowledge receipt of this complaint and provide a timeline for resolution. I can be reached at my contact information listed below to discuss this matter further. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
Product: Student loan

One of my federal student loans has continued to accrued interest through the whole student loan relief time period. The loan is XXXX XXXX - XXXX and has an approximately balance of {$8100.00}. In addition, when my student loans were transferred to XXXX that same loan was kept by Navient and also transfered to XXXX doubling the loan. Now my accounts in both Navient and XXXX show a balance for that loan which means I would have to repay that loan twice. When contacting both companies they would refer to one another for answers and none were able to help me at all. I need help resolving this issue.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my Paypal account. I am using my Paypal account for my online business as a seller in online digital business since XX/XX/2022 and this is my first transaction in my Paypal account. XXXX XXXX XXXX has stucked fund in it that I have to withdrawn asap for emergency purposes. And I am hoping that I wil getback my account and able to withdraw and deposite my funds on it. Thank You and Godbless. 

For Identity verification, I attached my Valid ID. Please see attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a statement of account for XXXX XXXX XXXXXXXX XXXX from XXXX XXXX. 
I dispute this debt and all claims contract according to 15 USC1692g. Validation of a debt. Also the account has been closed. I rebuttal the XXXX XXXX account because I do not owe this credit card statement and this is a true bill of commerce. Also XXXX XXXX has double dipped for least 3 years. Therefore I am requesting a Rescission under 15 USC 1635b : Return of money or property following rescission. Under the Truth of Lending Act, it is against the law to denial me of my own credit, charge interest on my credit and close my account. Thank You
Product: Checking or savings account

I was selling my car on XXXX XXXX. 
I was having a buyer, he sent me a cashier 's check. 
I went to Bank of America branch at XXXX XXXX, XXXX XXXX XXXX NJ XXXX, United States I deposited the cashier 's check on XXXXXXXX XXXX XX/XX/year>. 
On XX/XX/XXXX, check was cleared ( see screenshot ) At this point I was confident as the check was cleared, I was thinking BofA mades all the necessary verifications to validate the money is legit and here. 
The buyer asked me to send some money to the car mover to pick it up. I sent XXXX  XXXX through a XXXX  transfer. 

On XX/XX/XXXX, BofA changed their mind and check was returned! 


I went back on XX/XX/year> to see why the check was cleared then returned and what I can do about it. 
XXXX told me there nothing to do about it even though I made a XXXX transfer to the " movers ''. 
I end up loosing the XXXX XXXXXXXX On this same day, I went to the XXXX XXXX XXXX NJ Police department report this scam. 
To this day, the investigation is still ongoing and the Police is trying to track down the scammer and where the money went. 
They have an ongoing request at XXXX. 

Police detective told me a week ago that I can do a claim about this to Bank Of America, which I did few days ago and they denied the XXXX claim. 
( I didn't do any before as the cashier 's at the branch told me, there's nothing they could for me ) BofA has clearly failed to make the security verification on the cashier 's check. 
They could easily track down where the money went through the XXXX transfer and get it back.
Product: Debt collection

I'm not able to pay this debt off now. This debt is bringing my credit score down. I am injured and currently not employed.
Product: Credit reporting, credit repair services, or other personal consumer reports

So, I tried to get a Police Report for the this Suspicious Activity item on my XXXX XXXX & XXXX. Unfortunately, due to my jurisdiction they're unable to do so, even if that wouldn't help resolve my case no how. What do I owe to Bank of America to not remove this from my report? I didnt received a notification when it was first reported. This situation does not effect Bank Of America.
Product: Debt collection

in XXXX I lost my double cash Citibank MasterCard.and fraudulent charges appeared in my account, I reported to Citibank, but Citibank ignored my complaint and didn't help me with this fraudulent charges so I decided to close this account with them, now an other collection company appears in my credit report, trying to collect the money from Citibank, with the wrong information in this account claiming that they own this debt and treating me, with agresive phone calls, late a night or early mornings treating to sue me for a debt that was owed by XXXX XXXX XXXX XXXXXXXX, is the name of this collection agency according to the information planted in my credit report by them, this account was opened in XXXX, when I have proof that this debt is from XXXX from Citibank
Product: Credit reporting, credit repair services, or other personal consumer reports

I am taking action against the US Department of Education on an acct ending in XXXX and an acct ending in XXXX for incorrect information reported to my credit report since XX/XX/2019. Despite several attempts to dispute this since then, I have yet to receive any resolution. This has caused me to suffer financially, as I have been denied credit, charged a higher interest rate, and prevented from buying a home. I have also attempted to dispute this with the three major credit bureaus, TransUnion, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries were not and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEW UPDATED INFORMATION! 
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF TRANSUNION NEEDS MY AUTHORIZATION TO PROCEED, THEN I XXXX TRANSUNION MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, submitted a dispute of information, obtained from accounts XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX, to TRANSUNION and they stated that they've " verified '' that the items I disputed are being " reported correctly ''. I reached out to TRANSUNION for the details of the investigation that they did to verify this account. This is my second request and I have not received any proof of details showing that they've done an investigation. I filed my complaint about this and I requested a description of the procedures used to determine the accuracy and completeness of the information reporting. It is my belief that no such records exist and my right to privacy has been violated for profit. My financial reputation is being ruined due to TRANSUNION 's blatant disregard for federal law. It is my belief that TRANSUNION feels comfortable committing blatant violations of the FCRA because they know the CFPB will not enforce the laws set forth by congress as shown time and time again. TRANSUNION has caused me stress, anxiety, marital issues, sleepless nights, and depression due to its profits over the law mentality. Pursuant to 15 U.S.C. 1681i ( 5 ) ( A ), if any reinvestigation of any information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. Pursuant to 15 U.S.C. 1681a ( e ), " The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. However, such information shall NOT include specific FACTUAL INFOTMATION on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. '' Since this statement let 's me know that their " investigation '' is not valid, this information must be excluded from my consumer report. I preferred to receive their response through the CFPB portal because I know that they've told me before that they would provide a response through the mail and it was not what I thought it would be. 15 U.S.C 1681a ( 2 ) ( A ) ( i ) also states that the consumer report should NOT include a report containing information soley as to transactions or experiences between the consumer and the person making the report.