23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my third endeavor 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 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 or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX Balance : {$760.00} ; XXXX XXXX Balance : {$35000.00} ; XXXX XXXXXXXX  ; XXXX XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX  ( Opened XXXX XXXX, XXXX, Balance {$330.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$500.00} ), XXXX XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$710.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete this fraudulent information in my file. The item I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor account. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX  showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the item as soon as possible. 

DISCOVER FIN SVCS LLC XXXX
Product: Mortgage

I see on my credit report that I have approx 18 months of 120 days on my mortgage loan. I was divorced XX/XX/XXXX, and the house was awarded to my husband. He moved in XX/XX/XXXX and never paid another payment. The house was sold approx 2.5 yrs ago and the back payments were settled by the proceeds of the sale.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Student loan

I applied for public service loan waiver when that went into effect and sent all of my paperwork in to fedloan who was in charge of pslf program. I was pleased to find out I qualified for the forgiveness and had made 159 qualifying pslf payments. My 120 payments ( 10 years worth ) according to fedloan would have been done on XX/XX/XXXX ( I have the letter from fedloan ). According to the XXXX waiver, any payments made after 120 would be refunded to me as an overpayment due to waiver. Well I waited to get my refund check from the department of treasury and never recieved anything. I waited the recommended time frame of 4-6 weeks and emailed fedloan and asked when to expect my refund. Fedloan emailed back and said they didn't have my payment records on my loans after XX/XX/XXXX so they had nothing to send to department of treasury for refund. This was not true, because when I had access to my XXXX account online I could see all of my payments that qualified for XXXX and it was 159. They told me that since my loans were discharged through the pslf they no longer had my records and would have to open a reconsideration case with department of education FSA. Which I did file a case complaint/reconsideration and got a letter that makes no sense. They said that because my loans were paid off in XX/XX/XXXX, and I didn't make payments after that I would not get a refund. They didn't even look at my emails I sent them saying I qualify for pslf as of XX/XX/XXXX and will be due to get refund after the 120 payments. I am getting the run around and no one has my records it seems of my pslf and how many payments I have made. This is frustrating. I need help as fedloan is not even in business anymore. I reached to nelnet who is supposed to be holding my records but when I called they said they could not help me because they were not my loan servicer, but my loan servicer who handled my pslf is no longer in business. I am not sure how to handle this. I have been on reddit and people who were in the exact same position ( no refund, even though we clearly qualified for it ) had said to file a complaint here for help and they had some success. Thanks for your time and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX # 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 XXXXXXXX, 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681c. ( a ) ( 5 ) section states : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN 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 XXXX REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Incorrect Late Payment Reporting and for student loan deferment I am filing this compliant because my student loan account has been reported incorrectly on my credit report. 

The account shows a late payment for XX/XX/year>, even though my loan was in deferment. 

This error negatively impact my credit score. 

I have disputed this issue with XXXX, XXXX and TransUnion to request correction to my credit report.
Product: Credit reporting or other personal consumer reports

" I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
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. ACCT Name : XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of this item 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: Debt collection

XXXX XXXXXXXX discharged toll violation fees to a debt collector firm of Linebarger Goggan Blair & Sampson, LLP. I filed and mailed in a dispute form to XXXX XXXX XXXX claiming the debt was not owed by me because I do not own a XXXX XXXX XXXX that was seen violating tolls at their plaza. The temp plates I received from buying a vehicle was duplicated and illegally linked to my name & address. The debt is not mine and I have obtain an investigation report from NJ MVC Business Licensing Bureau proving my claim.
Product: Payday loan, title loan, or personal loan

I already had issues with this company coming on my job and attempting to collect a debt I front of everyone including customers and threatening me and calling multiple times after being asked not to call ... threatening me with law suit on my job where customers and other employees could here my personal information..now they have did 2 hard hit inquires on my credit report without my knowledge or permission once in XX/XX/2019 and again on XX/XX/2019.. they are continuing to violate my rights and I want these hard hit inquires removed because I did not authorize them
Product: Credit reporting or other personal consumer reports

Please know the information on my credit report is not correct. I've listed my name and addresses that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Please remove it urgently.
Product: Credit card or prepaid card

On XX/XX/XXXX I tried to make a balance transfer of {$20000.00} into my checking card per a promotion that XXXX was having. I kept checking to see if the money had successfully transferred, but after a week, I noticed it still was not reflecting in my checking account, although on my XXXX account, it was showing as done. After calling XXXX, I was told the money was transferred into a XXXX credit card account that does not belong to me. Apparently, the XXXX account has the same account # as my XXXX   checking account, and come to find out, the balance transfer promotion was for credit cards only. I explained the situation to whoever I talked to and they promised to resolve it and get the money back into my XXXX within a week. A week goes by and the money is still not in. I check back about 5 times and Im told something different each time. XX/XX/XXXX, a month after this issue started, I call back and Im told NOTHING was done to try to resolve the issue so the complaint would be transferred to the escalations team and be resolved in a week. Another week goes by and nothing is resolved. Meanwhile, my monthly payment is due, Im trying to purchase a house, and things arent going though due to this issue. I called today to follow up, and again Im told nothing was done, and that I need to contact XXXX and get the issue resolved with XXXX. How exactly do they expect me to contact XXXX and ask them to give me an amount of XXXX dollars back when the credit card company is the one who worongfully transferred the money to them? I am beyond frustrated that it has been almost 2 months, and this issue hasnt been resolved. Im still having to make monthly payments on money that went to someone else, and on top of that, I am unable to close on a house as a result of this. Please help.
Product: Credit reporting or other personal consumer reports

Checking my credit report a few months ago, I discovered errors regarding the account of XXXX XXXX XXXX ). This is violating my rights. I disputed these errors directly with the XXXX credit bureaus and the creditor itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC Code 1666b This code establishes that a creditor may not treat a payment as late on an open-end consumer credit plan account unless the creditor has adopted reasonable procedures to ensure that each periodic statement that includes the information required by section 1637 ( b ) of this title is mailed or delivered to the obligor no later than 14 days after the close of each billing cycle.
Product: Credit reporting or other personal consumer reports

There inaccuracies in the information dates and balance reported on my consumer report if sent in dispute letter for there charge off
Product: Credit card

I recently had several experiences with my XXXX XXXX Visa card, which explicitly says and is marketed as having no foreign transaction fees, that indicate something like a foreign transaction fee is being charged. What is actually happening is that Chase Bank and Visa ( and XXXX XXXX XXXX are complicit in allowing XXXX to mark up exchange rates so that the rate applied to a purchase in a foreign currency, when exchanged into dollars, is about 2.5 % higher than the rate that would be used if actual market-based exchange rates, published daily from, say, the XXXX XXXX XXXX, were applied. In my case, Chase Bank says they just go by what Visa uses and thereby allow Visa to mark up exchange rates by about 2.5 %, in my experience. In doing this, Chase and XXXX perpetrate the misleading, nay bait and switch, marketing they use to encourage people to get their " no foreign transaction fee '' credit cards ; indeed, the 2.5 % markup, though not billed as a foreign transaction fee, merely substitutes for such a fee because this extra 2.5 % should not be charged at all. Card holders are not unreasonable to assume, and Chase and Visa do not transparently disabuse us that, we will be receiving a market-based exchange rate ( with no additional markup ). In trying to talk with Chase ( who talks to Visa while XXXX sits idly by ), there is no way to get this situation corrected. Moreover, this hidden foreign exchange fee is in direct oppositon to a related class action suit that the credit card companies lost and paid dearly for several years ago. Finally, I ca n't believe I am the only person experiencing this situation.
Product: Credit card or prepaid card

Unable to use Synchrony Bank consumer portal website to view or manage account, including recent purchases and promotions for XXXX different stores. 

Attempted to access the site using XXXX different web browsers, and cleared cookies, but to no avail. 

Notified customer service on XX/XX/2022 through both chat and phone, who informed me that they were aware the site was down and to wait XXXX business days, on top of the approximate XXXX week that I had already waited- this timeline has been exceeded. 

No further notifications received from the bank- until a statement notice was received on XX/XX/2022 for payment due within XXXX weeks. Thinking the bill being sent implied the site was fixed, I again attempted to access my accounts with the bank. However, I am still unable to access my account to verify whether promotional terms have been applied, and any minimum payments due. 

This is simply unacceptable and scammy for a bank that maintains a consumer account management and payment portal.
Product: Checking or savings account

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX . XXXX XXXX, IL. XXXX ( XXXX ) XXXX Account # : 1. XXXX - opened XX/XX/XXXX-closed XX/XX/XXXX JPMorgan Chase & Co XXXX XXXX. XXXX XXXX XXXX, IL. XXXX Dear Sir or Madam : I am writing to dispute in regards to my checking account, which was closed without anyone telling me why? I opened acct. with Chase on the day mentioned above with the upmost of good intentions. My SSI check and my child support check is deposited monthly. I was wondering since XX/XX/XXXX why, would your bank chose to just close my account? I tried to pay a bill and my card was denied! So I called the bank and was told that my account was closed and, I will be notified by mail! But what happens to my direct deposit checks? How am I to get my money? I am a single mother with XXXX sons, I have bills to pay! Im a very honest person. I feel that someone in the bank should have set down with me and told me why my account was closed. 
If you are wondering what took me so long to contact you on this matter, the reason is I didnt know what to do. 
I would appreciate a response from you in writing or email. Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX CC : Consumer Financial Protection Bureau Federal Trade Commission Office of the Comptroller of the Currency Federal Reserve Consumer Help Center FDIC Consumer Response Center National Credit Union Administration
Product: Debt collection

I am disputing the entry related to XXXX XXXX Apartments, which incorrectly states that I owe an amount I do not. In 2017, I provided a XXXX notice of my move-out, fulfilling all obligations. Despite this, XXXX XXXX XXXX falsely reported a debt, and subsequently, they illegally sold my information to Mars Incorporation. This erroneous entry has severely impacted my life for years, making it impossible to pass background checks for new housing. I request the immediate removal of this inaccurate information from my credit report. I have tried for years to get this removed, still it stays on all XXXX credit reports.
Product: Student loan

Hello CFPB, I am filing this complaint against Navient due to their negligence to negotiate affordable payments. They have harassed me with phone calls. They even sent me a holiday card saying that my balance was pass due. I have been in communication with them in order to get my loans out of default. Before my loans went into default in XXXX XXXX, 2017. I was trying to negotiate with them to lower the payments. Navient 's service representative told me that I would have to pay at least {$10000.00} in order to make it current. I told them I did not have {$10000.00} to pay. They asked me is there a way I could ask my grandfather who since he was the co-signer. I replied no, because he has XXXX. They said sorry to hear that, is there a way you can take it out of his account or retrieve the money from his 401 k or insurance policy. I told them that was very inconsiderate and no, I could not do that. After that I was told my loans would go into default and my account would go to a 3 party debt collector. A few weeks later, I began receiving called from Navient credit collections department. The first offer was if I pay 10 % down on my initial loan than my balance would decrease and be up to date. Also, I had to pay {$250.00} every month for the next 10years. The  service agent asked if I needed time I said yes. A day later, I kept getting random calls from different service agents. The only reason how I knew it was them calling because of the different voicemails I received when I got out of my meeting. I called Navient back last Thursday, XXXX XXXX,2017 in order to negotiate my loans being in default. They said that I could try to take out a PERSON LOAN from the following : XXXX, XXXX, XXXX XXXX, XXXX XXXX. I applied for all of the loans and got denied. The agent told me that I did it wrong, I was supposed to fill it out for a PERSONAL LOAN. I rechecked my accounts for the personal loans, the only loan I applied for incorrectly, were the loans for XXXX. Since XXXX already denied me a loan, they would n't give me the option of a loan. I told Navient 's customer service agent that I did not have a co-signer but I can pay the $ XXXX month. She told me that due to my account being pass due and it is being a private loan, they could do whatever they can charge whatever they wanted. I told her I am not getting approved for a loan due to my student loans being in default. They did n't care at all nor try to negotiate. I told her I dont have it and that I would be consulting a lawyerIn order to resolve this issues.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed account from my credit report as well as update the account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a fraudulent charge affidavit with XXXX XXXX XXXX XXXX and they failed to address. At the time I had a {$1000.00} credit limit, and they allowed a charge from XXXX in the amount of {$1800.00} and said I need to pay it. The charge was not authorized and at the time the card did not have the credit limit to support the charge. When I submitted a dispute with the XXXX XXXX XXXX 's XXXX, Transunion, XXXX and they failed to investigate and remove the negative item from my consumer report.