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

On XX/XX/year> I've made an investigation on LexisNexis regarding some improper information on my report. On XX/XX/year> I've received a letter stating that the list of errors were removed from my report. 
However when I received a new copy of my Lexisnexis Report on XX/XX/year> I still see the accounts on my report that Lexisnexis said was removed.
Product: Debt collection

A utility account from XXXX XXXX was opened on XX/XX/2023 and closed a month later. address used was XXXX XXXX XXXX XXXX TX XXXX, account # XXXX
Product: Debt collection

I filed XXXX  XXXX bankruptcy and was XXXX XX/XX/22. My car that was financed through XXXX XXXX was on there in the amount of {$15000.00}. I contacted them and was told its through the fault of Experian. I filed a dispute with Experian who contacted XXXX XXXX on XX/XX/22 who told Experian that I was delinquent in my payments. I contacted XXXX XXXX again, and they admitted speaking to Experian but says I need to take it up with Experian. Im not sure what steps I need to take to get this off my credit at this point. Please help.
Product: Checking or savings account

On the night of Sunday XX/XX/XXXX, I was XXXX of the professional photographers for XXXX of the XXXX  artists performing at the XXXX XXXX XXXX XXXX XXXX event at XXXX XXXX XXXX  XXXX XXXX XXXX. 

XXXX XXXX is a large venue in XXXXXXXX XXXX XXXXhat can host up to XXXX people. I believe I may have been drugged and then my cell phone, debit card and credit card were stolen. My XXXX  card and phone were used together to make the following unauthorized transactions ; XXXX. XXXX SENT XXXX XXXX BALANCE. {$4500.00} XXXX. XXXX PAYMENT TO XXXX XXXX. {$5000.00} XXXX. XXXXXXXX XXXX NAME : XXXX XXXX ENTRY DESCR : TRANSFER SEC : XXXX XXXX XXXX XXXX XXXXXXXX. {$410.00} XXXX XXXX  DEBIT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX$900.00} XXXX. XXXX DEBIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$100.00} XXXX. CASH XXXX PAYMENT TO XXXX XXXX. {$1200.00} XXXX XXXX CHASE BANK as soon as I realized what happened. CHASE BANK denied my claim and has not been helpful.
Product: Checking or savings account

XX/XX/2019 XXXX payment made. Missing from account. Bank has not refunded {$2000.00} that was meant for loan care. The executive resolution department XXXX and XXXX were very disrespectful and deceiving as the information given. XXXX stated money is no where that they can trace but, back office still needs to credit. I apparently need to watch my mouth when it comes to money because, money laundering is only an accusation. They dont know where the money is so ... how can that not be a true statement? An illegal activity money was taken and never returned by USAA with use of deceitful associates and accounting to continue to not know what happened and XXXX has it but, XXXX wouldnt charge an NSF on my USAA account thats how I know USAA has my money and using every tactic possible to steal my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi thank you again for taking the time for reading my complaint. 

Equifax is taking longer than 30 days for debt validation. 

I have requested from XXXX XXXX  to provide proper debt validation and they are unable to. They do not have a copy of a contract. 

I have also asked Equifax to investigate this matter and it has been longer than 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian is reporting a balance of {$5000.00} with XXXX account. This balance is incorrect. This account has been paid in full and the balance that should be reporting is {$0.00}. I would like XXXX to send the correct balance of {$0.00} to XXXX and Experian. I would like XXXX and Experian to correct XXXX account balance from {$5000.00} to {$0.00} immediately based on the federal fair reporting act. This account has been paid in full and is in excellent standing.
Product: Student loan

Around XXXX to XXXX, I obtained student loans in amounts totaling about 23000. in XXXX these loans were consolidated with a American Education Services ( AES ) which called me over the phone and offered to help me with my repayment. I was set up for a payment plan that i thought was manageable, between XXXX and XXXX, but I did not know that it wasn't actually paying off my loan. I was only paying interest for about 10 years without any actual change. In XXXX I decided to consolidate with Fedloan and attempt to enter the Student Loan Forgiveness Program. During the re-consolidation I entered into delinquent status for not making the  regular payment on my loan, but I wasn't getting any feedback from the new loan holder Fedloan. Little did I know that these two companies are one and the same, and they could have both easily seen the status of my account. Of course this affected my credit score. But the worst part was that somehow my loan was compounded from an original balance of XXXX to XXXX when Fedloan took it over, which is close to what I still owe today. I have paid {$10000.00} total to fedloan, but have only paid {$2500.00} on my principal since XXXX. When I look at my payment history i see several months of payments going straight to the interest but nothing to the principal, even when i know I'm ahead on my payments. Meaning it should be going to principal. I believe this company AES/Fedloan/PHEAA is engaging in predatory lending practices and abusing their ability to manage borrowers money. I do not believe they intend on actually assisting borrowers with paying down their loans, but instead keep them confused about what exactly their payments are covering. Also, the fact that they go by different company names and can transfer a loan from one to the other and add several thousands of dollars should also be considered a fraudulent business practice. If i can speak to an attorney and explain my situation i believe i would have a case against this company for their misleading behavior and abusive business practice. i don't believe my complaint will actually help me or anyone else because i have seen other complaints come here to die. It is obvious that the corrupted practices of this company and this " official '' complaint service are nothing more than another dead end/misleading business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car from XXXX in XX/XX/XXXX. They utilized Santander, an XXXX authorized lender, for financing. Not making enough money working XXXX, I fell behind in my $ XXXX  monthly payments. They repossessed my car in XXXX XXXX. 

Santander was sued by a group of Attorney Generals ' and a settlement was agreed upon. As noted in the press release, " The settlement resolves allegations that Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. Todays settlement stems from a multistate investigation of Santanders subprime lending practices, which began in XXXX. 

I meet the parameters for relief outlined in the Attorney General 's lawsuit yet, I was not included in the restoration of deleting the car from my credit reports nor refunding me the monies I paid in settlement ( {$5000.00} to XXXX XXXX XXXX ). I have called many times and all they continue to tell me that they do not know why I wasn't on the list.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, personal loan, or advance loan

Loan ID # XXXX The Loan Origination date was XX/XX/XXXX, in the amount of {$5000.00} with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via a service offered through my employer XXXX XXXX as an employee benefit option. 

XX/XX/XXXX, I received an e-mail correspondence from XXXX XXXX advising the company has been rebranded and now Fin Fit brand will be servicing my loan- my account has been moved to the Fin Fit platform. 

Upon reviewing my loan balance history on the Fin fit website on XX/XX/XXXX, a payment adjustment of {$26.00} was added to my account ( no explanation provided as to why ). 

My Balance increased from {$3900.00} to {$4400.00} on XX/XX/XXXX ( no explanation provided to the increased and no payments have been missed- as the payments are deducted from bi-weekly payroll advice ). 

I contacted FinFit customer service on XX/XX/XXXX to inquire on the balance increased and no resolution has been provided to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$5900.00}, XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance XXXX {$1600.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent in a dispute to Trans union, the item i disputed was XXXX, that 's the only XXXX account on my credit report, now i find out Trans union never sent in my dispute to XXXX they never investigate my dispute, i spoke to trans union the date of the dispute letter was dated XX/XX/XXXX so they received it about XX/XX/XXXX by law Trans union needs to remove it it from my report
Product: Student loan

I took out several student loans from XXXX to XXXX that were consolidated into XXXX FFEL loans in XXXX. I have been paying on these XXXX loans for 20+ years. According to Navient, I still have XXXX more years ( XXXX XXXX, XXXX ) to go until I will have paid them in full. I had a Chapter XXXX bankruptcy, job losses and had various forbearances over time. I still owe approximately {$38000.00} which is close to the original amount I took out 20 years ago. I pay around $ XXXX/month and have paid almost the original amount off. 
I have looked at refinancing the XXXX loans before and I have gotten turned down as I have not been out of my bankruptcy for 9 years. The loans were consolidated once. 
My XXXX score is close to XXXX and I make $ XXXX per year working very hard in public service for the XXXX XXXX . I know that if I took out a 10-yr consolidation loan I 'd be able to pay off the XXXX FFEL loans for around the same monthly payment I 'm making now. My current interest rate is +/- 8 %. 
I feel I am being taken advantage of by Navient since they are missing all of my payment information from XXXX to XXXX. I paid XXXX XXXX from XXXX to XXXX when I entered into a Chapter XXXX bankruptcy which I successfully completed in XXXX. Interestingly, none of my payments during those 5 years I was making bankruptcy court payments made its way into paying off any principal - only interest - and now both XXXX XXXX and Navient have conveniently lost my payment info ( yet somehow Navient did obtain my payment info from XXXX to XXXX, but not XXXX to XXXX - 15 years of data )! Neither XXXX XXXX nor Navient have any of my 15 years of payment info! 
I know I have paid off the original sum in full, but over the years they have both deceived me by failing to disclose exorbitant fees and penalties which compound interest so that I will never pay off these loans For example, my apartment suffered damage as a result of a hurricane last XXXX and Navient contacted me via email and instructed me to contact them if " you need payment help due to recent natural disasters. '' I did call them and was old that Navient would n't require payments for two months from the time of my call to help me out after the hurricane. What they did n't tell me was that interest would be accumulating as usual, so it would have been better off not to take the forbearance and just pay them while cleaning up after XXXX Hurricane. 
In addition, I accepted a XXXX offer in XXXX primarily due to the public service debt repayment benefit. I was devastated to find out after accepting the job that I did not qualify from r this program since my loans had been consolidated - this after already trying to pay them down for 20 years! 
These deceptive practices have taken a huge financial toll on me over the years. I ca n't make ends meet, I ca n't stop Navient and XXXX XXXX from deceiving me .... The time has come to put an end to all of this. At this rate, I am never going to pay Navient off - and only they know it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX stone, # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXXXXXX, # XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the rights 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.
Product: Credit reporting or other personal consumer reports

I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts thats inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. I need financing for a car and this inaccurate report is hindering me. As the consumer
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this complaint against the credit bureaus for failing to properly address issues with my XXXX account reporting, and I request immediate investigation and resolution. Additionally, I request that the following statement be added to my XXXX account : " Paid in full, including all fees, but XXXX never provided proper debt validation or a complete breakdown of charges, despite multiple requests. This occurred during XXXX. I was assured the account would be removed from my credit report after payment, but XXXX did not honor this agreement. '' Details of the Issue : Failure to Provide Debt Validation : XXXX did not provide proper debt validation or a complete breakdown of the charges on the account, despite my repeated requests. 
This lack of transparency caused significant stress, particularly as this issue arose during the XXXX pandemic. 
Payment Made in Full : Despite the lack of validation, I paid the account in full, including additional fees and charges. 
I was explicitly told by XXXX that the account would be removed from my credit report once the payment was completed. 
Failure to Remove the Account : XXXX did not follow through on their assurance to remove the account from my credit report after payment. This constitutes a breach of their promise and has negatively impacted my credit score and financial standing.

Credit Bureaus Lack of Action : Despite my disputes and requests, the credit bureaus have failed to properly investigate this issue or resolve the inaccuracies in the reporting of my XXXX account. 
Relief Sought : I request the following actions : Statement Addition : Ensure that the above statement is added to my XXXX account reporting to accurately reflect the situation. 
Thorough Investigation : Require XXXX to conduct a thorough investigation into this matter, including validation of the debt, a breakdown of all charges, and the circumstances surrounding their failure to remove the account as promised. 
Account Removal : Remove the XXXX account from my credit report, as I was assured it would be, following payment in full. 
Compensation : Investigate and hold XXXX accountable for their actions, including compensation for the stress, financial harm, and breach of their agreement during a time of hardship. 
Credit Bureau Accountability : Ensure that the credit bureaus are compliant with their obligations under the FCRA to investigate disputes and report accurate information. 
I trust the CFPB will investigate this matter thoroughly and take the necessary steps to ensure my rights as a consumer are upheld. 

Thank you for your attention and action on this matter.
Product: Credit reporting or other personal consumer reports

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX the only name I want to see being reported not multiple names. 
My Address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  GA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX whose reporting a collection amount of {$2000.00}. This collection agency is performing unfair practices, in which this keeps the account reporting as open/ current and does not display a closing date on my credit report. This debt also exceeds the statutory limit for the state of XXXX XXXX, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; XXXX XXXX et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, Experian, and XXXX respectfully. Thank you in advance for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a victim of identity theft and have sent the required information to the following consumer reporting agencies Experian, and XXXX. It has been past the 4 business days required by law under 15 USC 1681c-2 and they have yet to block the information. I also want to make it clear that this Identity theft was not made in error by me, a consumer, as stated in 15 USC 1681c-2 ( c ) ( 1 ) ( A ). I am seeking an immediate response from XXXX and Experian reporting agencies in order to feel that this matter has been fulfilled to my satisfaction in accordance with federal law.
Product: Bank account or service

My bank BBVA Compass will not return {$6.00} to my checking account that was not authorized. I called and emailed them numerous times but they would not return the funds to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.