23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am a co-signer on a few student loans with my son as the primary borrower. The lender is XXXX XXXX and the loan servicer is Navient. 

The loans have been in deferment/forbearance since his graduation in XXXX. Interest only payments have been made when required. 

I received a few calls from Navient in late XX/XX/XXXX advising me that the loan payments were delinquent. The representative asked if I could pay the approximate {$1000.00} outstanding balance, a partial payment ( 1 month ) or even {$50.00} to prevent the account going into collections and affecting my credit score. Since this was the first communication regarding an arrearage, I wanted to verify this was in fact Navient and be provided a statement from them detailing the account status. 

Although the rep confirmed my email & physical address for identification purposes, she stated that they could not send a statement to a personal email address. I asked for a paper statement to be mailed to me instead. She then indicated that it would take 5-7 business days to receive and the account would be referred to collections by then. I have still not received any confirmation statement from them. Their website ( through XXXX XXXX ) is not very user friendly and is difficult to access. 

I spoke to my son shortly after that call in XXXX and he said he had not received any calls/messages from Navient over the prior 2 months as the rep had indicated. He said that he reached out to them for alternative payment options and that the account is now up to date. 

Despite this history, I continually receive calls from who I believe is Navient. Without recognition of the source, no messages have been left stating the identity of the caller and/or the purpose of the calls. Ive been receiving 2-3 calls a week and at inconvenient timesaround or after dinner, weekends and XXXX XXXX XXXX  XXXX. The latest were yesterday ( XX/XX/XXXX ) at XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) around XXXX AM, XXXX  ( XX/XX/XXXX ) around XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) at around XXXX PM. 

I feel these practices are harassing. If they want/need to speak with me, leave a message with the pertinent information, text/email and/or mail a paper statement to me ( theyve already confirmed having that information ). 

My concern is that they are documenting these calls as contacts and non-responses from the borrower. If so, will they classify the account as delinquent and send to collections? This would unnecessarily affect my outstanding credit rating negatively. 

Thank you for your time and assistance with this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I left the USA on XX/XX/XXXX after I accepted an international assignment with my company. 

Before leaving I settled all my credit cards and debts. I had a credit card with TD Bank and I paid in full its balance. 

A year later, on XXXX XXXX, TD charged me an annual {$49.00} management fee for the credit card I believed was closed and settled. 

I was not monitoring this as I assumed I was in good standing with my debtors, so I didn't see nor pay it. 

I returned to the USA in XXXX of XXXX and I found in my credit report this outstanding amount affecting my credit score. I disputed it via XXXX  the week of XX/XX/XXXX. As a result TD bank updated my report and it now shows the balance as Charged Off since XXXX all the way to today. This lowered my credit score from over 700 to XXXX. 

I have called several TD customer services 1800 numbers and spent several hours on long waits. The TD employees I have spoken to do not know how to settle this and keep sending me to call other 1800 number lines/departments with no one assuming the solution. The TD associates argue that the fee is so old, that they can not see it in their system anymore. I even offered to pay the {$49.00} ( even though I disagree with it ) in an attempt to close the matter and improve my credit score. The TD customer services representatives again argue that the fee is so old that they can not settle it in their system, I disputed the account once more with XXXX  and TD came back with the same vague answer, updating the credit submission as Charged Off. 

On XX/XX/XXXX I sent a letter to : Dispute Resolution department Re : TD Bank Credit Card. 
XXXX XXXX XXXX XXXX, GA XXXX And I have not heard back from them. 

I believe this matter is unfair, a result of an internal mistake from TD Bank, and is directly affecting my credit score. 

Could you please help me to solve and clean my credit score? 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my countless request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX PL XXXX, IL XXXX XXXX XXXX XXXX PL XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9700.00} XXXX XXXX  XXXX XXXX Balance : {$2900.00} ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX attempted to fix the issues personally many months from XX/XX/2022 til XX/XX/2022 then had a credit repair team attempt to fix it from XX/XX/2022 to XX/XX/2022 at this point the XXXX credit bureaus and defaming me and I framing that all reports not with dates that dont match and incorrect information be deleted immediately I spent over {$300.00} buy a printer, ink, stamps and envelopes and countless hours doing so. I then spent {$140.00} a month for 3 months with a credit team. Its defamation of character next step will be to sue. Also paying for XXXX and XXXX 9 months
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX ending in XXXX has an incorrect balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was divorced on XX/XX/2019. 

My ex spouse 's credit card debt is inaccurately appearing in my credit report and damaging my score currently. I was an authorized user during the marriage and I have been removed from those credit Cards for XXXX XXXX XXXX, XXXX and XXXX for over $ XXXX in debt to himself. 

This information is now fraud as this point and I want the credit bureaus to remove this immediately. I have contacted them and they have told me to submit additional information which is a stall tactic it help address the issue now. 

I will seek damages for FCRA on the state and federal level if I do not get this remedy. 

I can provide the Divorce Decree stating separation of credit.
Product: Credit reporting or other personal consumer reports

Im filling this complaint against XXXX for failing to proper investigate my disputes regarding inaccuracies in my credit report despite my submissions. 
This company refuses to provide a form 1099 C since more than two years ago to properly file my taxes to the IRS and be able to properly discharge my debt. 
Im kindly requesting that CFPB take action to ensure XXXX complies with federal law, and provides prosper consumer reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not so long ago I wrote a letter regarding accounts that I have disputed and can be found in my credit file that was incorrect and inaccurate, I am very upset that they are still showing in there. I do not validate that accounts and it is a violation of the US Code 1681 Accuracy and Fairness in Credit Reporting under the Fair Credit Reporting Act.
Product: Mortgage

My original loan was sold to Flagstar Bank. Since then, Flagstar has been adding fraudulent late fees on my account. I called about it and was told they would remove it and its still occurring. It started months ago when my escrow fell short. I had the option to pay the difference or have the mortgage go up to make up the difference. I attempted to pay the difference using their online system but they said the payment didnt go through because either the account number or routing number was wrong. Once this happened they sent the payment attempt ( which was optional ) to collections and I had a collections department call me about less than {$50.00}. Since then, theyve assigned a fraudulent late fee to may account that is rolling over every month and causing more fees. Ive never been late on a mortgage payment and use the same bill pay Ive always used. When I spoke to a rep, they said my payments have been on time. This escrow collection and late fee is erroneous and attempt to financially penalize me despite never being late.
Product: Credit card or prepaid card

On XX/XX/2021, I received an electronic letter from Citi Bank informing me that theyve closed my credit cards, the cited reason is : We frequently review cardmember credit reports, a recent review of yours shows you have too many open revolving credit accounts. 

I found this action to be unfair, the cited reason is not correct and deceptive. My credit score is EXCELLENTXXXX, my credit card utilization is consistently less than 1 %, I pay all my balances in full each month, Ive had 4 car loans, my payment history is flawless, no missed, late, or returned payment ever. The last credit card I opened was more than 6 months ago. 

In fact, I didnt use my Citi Bank credit cards for months until last month after which Citi Bank offered me a Flex Loan, its a personal loan against my credit card line of credit. Unfortunately, I accepted the offer and from what I read online about other customers RECENT experience with Citi Bank, thiss what flagged my accounts for closure. It looks like Citi Bank has been sending Flex Loan offers to its customers only to shut their accounts down after they accept the offer. I personally have been receiving this deceptive offer from Citi Bank by mail, email, and through my online banking for years. I even received another offer last week from them even though I already accepted one. Im confident that the CFPB will be receiving more complaints about this same issue in the coming days.
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 Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Product: Credit card or prepaid card

i tried to withdraw XXXX and XXXX i was given a provisional credit and the money was wrongly takem back total XXXX
Product: Money transfer, virtual currency, or money service

Sent money via XXXX but never was sent a warning that if money was sent to the wrong person that the bank was not liable
Product: Credit card or prepaid card

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020 an individual went to the Home Depot store in XXXX XXXX Georgia and charged {$1800.00} on my account. After several attempt to have the store remedy the situation they still insisted that I am responsible to pay these bills. I have paid some of these bills and is due a refund. Based on my calculation I have overpaid {$360.00} on the account. They have reported me to the credit reporting agencies which has been causing me a lot of stress. I can not do any thing that requires a credit score and this is very distressing because I paid my bill on time. Since this time they issued me Two new cards plus my original card adding up to 3 cards. My Question to Home Depot is Why did they issue me " 3 new cards ''
Product: Credit reporting or other personal consumer reports

I have wrote disputes several times with this company within 2 to 3 days they will write back stating that the inquiries has been verified. I have asked for proof showing this information. 
XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX XXXX  XXXX XXXX account which is powered by Experian credit bureau it states that the XXXX XXXX XXXX account that is reporting on my credit report that this XXXX  XXXX XXXX account is XXXX XXXX XXXX XXXX XXXX old. Experian has a policy by which persons can request an early exclusion or deletion of an account if that account is within a 3 month period of it falling off your credit report. 
This XXXX  XXXX XXXX account is within a 3 month period of it falling off my credit report. I am therefore requesting an early deletion/ exclusion of the XXXX XXXX XXXX account that is reflecting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries were not done by me, I did not authorize them, and I do not know where they came from. Everything else on my report seems to be correct currently but this is worrying me because I know they are bringing my scores down : XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX SC, XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Money transfer, virtual currency, or money service

I am finally your complaint against Cash App ( Bloc, Inc ). Due to an adequate customer services and unfair practices, which violate the consumer protection financial act ( CPFA ). Specifically, cash app failed to take XXXX and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with air resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Credit card

In XX/XX/XXXX there was a judgement issued against me for not paying on the credit card balance. Prior to this I had reached out to the company many times to make arrangements to pay a lower amount until I was back to work. I was out of work for 4 1/2 months due to injury. The company refused to work with me and then sued me. I was never notified of the suit nor the judgement. I filed for bankruptcy in XXXX of XXXX and the card company was notified at this time of the discharge to this account. At that time there was no judgements showing as my lawyer at the time has confirmed for me. Because it was not showing, no additional paperwork was filed by my lawyer at the time of my bankruptcy. I am now trying to refinance my house and get a new title as part of my divorce requirements. The title company found that due to this suit there is a lien on my house. I reached out to Discover on XX/XX/XXXX through email as instructed. I was told it would take up to 2 weeks to have the Satisfaction of Judgement done. I have called almost every day to get an update and each time I am told there is no update, no one I can speak to such as a supervisor, and no time frame as to when this will be resolved. I reached out to the law firm who filed the suit and was told they no longer represent Discover, even though Discover has told me it is up to the law firm to file. At this point I have requested multiple call backs from a supervisor and have yet to hear from anyone and the Satisfaction of Judgement still has not been filed.
Product: Credit reporting or other personal consumer reports

I sent certified mail to the Credit reporting agencies to investigate incorrect, invalid, and impermissible information pertaining to my credit report regarding an XXXX  account with the account number - XXXX. After conducting an investigation I was told the referred account has not been changed and will remain on my credit report. Earlier this year I made a complaint to the CFPB about this same company furnishing all of this invalidated data without my written consent. I, The consumer should be protected under SECTION 15 United States Code 1681 in its entirety. The negligence to uphold these standards and willful non compliance to maintain accurate reporting is extremely disheartening as it is very damaging to my reputation causing me extreme XXXX, mental anguish, and making it very difficult for me to maintain financial stability. I have attached proof to validate my claims. Please investigate this matter immediately. Thank you for your time.
Product: Debt collection

IQ DATA INTERNATIONAL XX/XX/2022 I've contacted IQ DATA INTERNATIONAL regarding a debt on my credit report in the amount of {$1200.00}. I've requested documentation and they will not provide. Only documents they provide is balance due. This account was paid in full to former company XXXX XXXX now XXXX XXXX. Since the request they've been harassing me for payment.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported by XXXX XXXX concerning my loan account XXXX. Upon review, I have identified multiple inaccuracies and issues that I request you investigate and correct. Below are the details supporting my dispute : XXXX. XXXX XXXX Not Followed The loan agreement with XXXX XXXX includes an arbitration clause that specifies disputes must be resolved through arbitration. The relevant portion of the agreement states : " Any claim, dispute, or controversy ... shall be resolved by binding arbitration... XXXX applies to any claim that arises out of or relates to this agreement or your account, including claims related to default, collection, and credit reporting. '' Despite this, XXXX XXXX charged off my account on XX/XX/year>, and reported this status to TransUnion without initiating or completing arbitration as required by the agreement. This action bypasses the mandatory arbitration process and potentially breaches the agreement 's terms. 
The reporting of the charge-off without fulfilling this obligation raises questions about the legitimacy of the reported account status. I request verification of XXXX compliance with the arbitration clause before accepting the charge-off as valid. 
XXXX. Violations of the Truth in Lending Act ( XXXX ) The loan agreement fails to meet several XXXX disclosure requirements, which mandate that loan terms be clear and conspicuous to borrowers. Key violations include : a. APR and Finance Charges The agreement specifies an APR of 36.20 % but does not include a clear, accessible breakdown of finance charges contributing to this rate. 
XXXX requires lenders to disclose the total cost of the loan, including all fees and interest, in a single, clear disclosure. Instead, these details are embedded within dense legal text, making it difficult for borrowers to understand the full cost of the loan. 
b. Payment Schedule The payment schedule lists bi-weekly payments of {$110.00} but does not provide a clear total number of payments required or the cumulative amount to be repaid. 
XXXX requires lenders to disclose this information prominently, so borrowers understand their obligations. 
These omissions and lack of clarity make it impossible for the average borrower to evaluate the true cost of the loan, which XXXX constitute a violation of TILAs Regulation Z. 
XXXX. Discrepancies in Charge-Off Reporting Personify Financial charged off my account and reported the charge-off to your agency but subsequently sold the account to Axiom Acquisition Ventures. However : The credit report still lists XXXX XXXX as the account owner, which is factually inaccurate. 
The charge-off balance lacks clear documentation of how it was calculated, particularly given the lack of clarity in the original agreement regarding fees and finance charges. 
These discrepancies raise concerns about the accuracy of the information reported to your agency, in violation of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file and are listed on my credit report 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 or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXXXXXX Account # XXXX
Product: Debt collection

Someone from XXXX keeps contacting my employer and asking for me by full name, making threats, being rude and scary, insulting me to my coworkers and telling them I owe money, in general being disrespectful to people in the office- and they're calling on a toll free number so my employer is paying for the harassment. No attempts were made to reach me directly before they started doing this and it keeps happening despite the supervisors telling them to stop calling. 

I have no idea who these people are, they would not identify themselves when I called to ask them unless I provided confidential information such as my social security number, which of course I would not do.