23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

SUBJECT : KEEP NOTES My servicer is FedLoanServicing ( myfedloan.org ). 

I submitted a request for employment certification. It was processed incorrectly, assigning dates that had no relationship to the dates on the employer-signed form which I submitted. Based on those bad dates, I was given PSLF credit for the wrong payments. 

On XX/XX/2020 I used the servicer 's website to submit a message requesting re-processing / correction. 

As of XX/XX/2020 nothing had happened, so I called. The representative ( XXXX XXXX ) could see that I'd submitted a message on XX/XX/2020, but the representative COULD NOT SEE the text of the message, nor did she think that the person who eventually processes the correction would be able to see the text of my message. The representative sent her own request asking for the previously submitted documents to be re-processed with the correct dates. I also asked XXXX to send me confirmation of my call and her actions. She said that a " special email '' would be sent to me in 7-10 days. 

Also on XX/XX/2020 I spoke with a representative ( XXXX XXXX ) to follow up on a XX/XX/2020 request to have my XXXX payment refunded as authorized by the CARES act. XXXX COULD NOT SEE my XX/XX/2020 request, which again I had submitted via the servicer 's website. He could not see my request at all, even though I have a copy of the request text, a screengrab of the system 's confirmation of receipt of the request and a copy of the same-day email confirming receipt of the request ( but not including the text of the request ). XXXX re-started the request and also requested that a confirmation of his actions be sent to me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and each credit agency has this information and have flagged my report for me to be contacted in the event of credit trying to be obtained XXXX is XXXX of the accounts and now theyve sold my account without my consent or knowledge violating my rights there has also been a breach in all three credit agencies causing multiple fraudulent transactions for myself
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XXXX XXXX  Amount : {$9500.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Bank account or service

I went into Suntrust Bank on Wednesday, XXXX XXXX, 2016 and spoke with a representative to open a Checking and Savings account. I had a previous positive history with this bank with over four Certificate of Deposits that I open totally over {$10000.00}. So I get the new debit card in the mail for the checking account and I try to activate it. The card would not activate it was blocked. I went into suntrust bank to speak with a rep and he told me because I owed {$130.00} to the bank they have closed the savings and checking acct and put a block on the card. I was totally outraged, hurt and disgusted. I had just did a opening deposit of over {$4000.00} cash. So the bank rep pleaded to the office to not close my account but just deduct the {$130.00} out of my account. I was shocked and then on top of that I said well where is my cash deposits, I need my money now. Then the representative said Suntrust will mail your funds within 7-10 working days. I said oh my XXXX, you all have left me with no access to my money and my bills are due. They did nothing to resolve this. Now I am left with no bank accounts and money. Could you help me resolve this.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit reports and I noticed Experian are continuously reporting same late payments for student loans that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED just like the other Credit agencies. 
Account name : Dept of EdXXXX Account number : XXXX Dates reporting NOT Accurate : XX/XX/year> 90 days late XXXX times .This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. I demand Experian, according to the law they are suppose to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation. I asked them to update this numerous times
Product: Credit reporting or other personal consumer reports

i found inquiries that do not belong to me on my credit report
Product: Credit card or prepaid card

There's more to the issue than what options were available. 

The account through Bluebird through American Express was used to make a purchase in the amount of {$49.00}. Funds ended up being added to the card later, in the same or similar amount as the purchase, but were subsequently removed. 

A separate account, the one for which the purchase was made, has recently informed me that the funds were returned from them to the Bluebird account, but since the funds were added and then removed again, I had not recieved the benefits of the returned money. 

Now, the second account has been temporarily suspended, until I can repay the returned funds. 

Additionally, Bluebird has also Permanently suspended my account, and will not allow me to contact them to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well I had opted out from receiving any offers yet I still see them there and these credit reporting agencies need to held accountable for breaching our personal information when its due to negligence which is ussaully the case. Giving us credit mornitoring isn't good enough for the damages that they cause us. I am seeing a lot of XXXX in my reports that I have no idea what they are. Experian breached my data and then they wan na charged me {$4.00} a month for credit monitoring, what kind of since does that make. All the credit reporting agencies have a conflict of interest because they all use the consumer credit report to make money and than on top of that their sharing our personal information.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, Equifax, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Opened XX/XX/2017 Balance {$360000.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : [ XXXX. XXXX XXXX XXXX ; Account XXXX XXXX. XXXX XXXX ; Account XXXX XXXX. XXXX XXXX XXXX ; Account XXXX XXXX. XXXX ( Original Creditor:0XXXX XXXX XXXX XXXX XXXX XXXX ) ; Account XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX ) ; Account XXXX ], 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 or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Reason stated by company is unacceptable and non-compliant. This is a definite case of AGE DISCRIMINATION! My credit is EXCELLENT ( XXXX ) and balance on other cards extremely low. No history of late payments ever! Unjust and Unfair treatment!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX : Account Number : XXXX : Balance : {$210.00} Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2100.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX XXXX : Account Number XXXX XXXX : Balance : {$460.00} Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX XXXX Balance : {$860.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX : {$780.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX : Ref : XXXX XXXX inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Data Breach information compromised. Don't recognize account
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding the recent Equifax Security Breach that I was made aware of in news media on XXXX XXXX, 2017. My understanding of the situation is that " hackers '' compromised the Equifax systems, potentially exposing personal financial and other information ( including social security numbers, credit card information, and other personal details ) for a large number of people. I used the feature on the Equifax website ( https : //www.equifaxsecurity2017.com ) on this same day which informed me that " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I am not satisfied with this outcome, as it provides no actionable information to inform me of my vulnerability or to protect my financial and identity information. I have also placed a fraud alert on my credit monitoring.
Product: Debt or credit management

To Whom It May Concern, In XX/XX/year>, I applied for Student Loan Forgiveness due to School Misconduct with the Illinois XXXX XXXX XXXX and loans with Navient. After this application, I received written communication from Navient that they were assessing the application over 60 days. Upon this period ending, I contacted Navient and was told that the period was extended further. At the end of this extension, I contacted Navient and received a call back the same day ( In XXXX ). This call told me that my student loans had been forgiven and that I was receiving a refund check. Upon asking further, the individual with Navient noted that they were looking at the wrong screen. A few weeks later, I received the denial letters from Navient with the same vague response, consistent with the first application. I do not believe that Navient is reviewing my application and is provided an automated response as they seem to be randomly selecting applications to approve as the reasoning that I have for forgiveness is no different than those online that have been forgiven ( for a school that has already been proved by the U.S. Department of Education to have committed fraud, which I experienced first hand ). I am applying again with Navient and want to have them review the new application again, with additional support, and provide the reasoning why ( or why not ) the application is accepted or rejected ( per the Holder rule I am entitled to have this loan dismissed ). I noted that the same letter I received is not only consistent exactly with my first application, however also exactly what has been issued to many others ( and identified by the U.S. Senate review as being an issue ). I look forward to your support in this application as I believe fraudulent activities have occurred here to my detriment. Thank you for your time. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Received email from Wells Fargo on XX/XX/2022, regarding an Application for a Wells Fargo Visa Card in my name. I did not submit this credit card application and reported it on XX/XX/2022 to Wells Fargo at the number provided in the email : XXXX. 

The Wells Fargo representative asked me for my SSN and DOB in order to look up my application and mark it as fraudulent. I did provide that information and they stated Wells Fargo would follow up with me directly for additional fraud reporting. I received a Declaration of Fraud in the mail from Wells Fargo to complete by XX/XX/2022. The Declaration also asks for my SSN and I am uncomfortable proceeding further at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX
Product: Credit card

on XX/XX/year> at approximately XXXXXXXX XXXX central time, Aspire Credit Card company sent me an email saying they were going to raise my variable APR of a little over 20 % to a fixed rate of 32.4 % They also said the letter was " an important legal document '' and should be kept for future reference. I believe this is unfair and deceptive practices. 
I never received a appropriate Appendix XXXX - Right to Rescission ; explanation of why Section 5 of the FTC Act, 15 U.S.C. 45 violations are being ignored ; and Bait and Switch practices. 

They also said there was correspondence sent via mail, which is a violation of privacy and an attempt to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because I was a victim of identity fraud at the age of XXXX. I am now dealing with hardship over these incidents. I have filed proper documentation and provided this information on XX/XX/2021 to XXXX, Transunion, & XXXXXXXX. I received a response from all bureaus refusing to remove this fraudelt information even after providing them proof. This is truly upsetting that I have to suffer the cost of someone stealing my identity.
Product: Debt collection

I received a letter from XXXX XXXX XXXX and Castle Credit, letter dated XX/XX/XXXX, stating this is a " Second Notice of Fraud Claim ''. I have never received any letter from XXXX XXXX XXXX nor Castle Credit regarding this fraud claim before today. This is the only letter I have ever received. I have even emailed them, as they requested by phone, and I have not received any response by email either. Neither Castle Credit nor XXXX XXXX XXXX has mailed me before this letter which claims they need proof of my current residence and a complete police report. I have contacted the police and they guided me to report the Identity Theft to the Federal Trade Commission, which I did originally on XX/XX/XXXX but had to file another Identity Theft report on XX/XX/XXXX due to other fraudulent accounts listed on my credit reports. I have also mailed Castle Credit and XXXX XXXX XXXX several letters which included my FTC Identity Theft Report, Drivers license and notarized identity affidavit, all by Certified Mail and have proof of delivery of the mail I sent. I will not continue mailing or sending my personal information to Castle Credit and XXXX XXXX XXXX and this will be my last contact with them. I am attaching copy of the only letter I ever received from Castle Credit and XXXX XXXX XXXX and also a copy of the original invoice/receipt, which i obtained from XXXX XXXX XXXX XXXX  XXXX based out of XXXX XXXX  and whom told me by phone that they do not have my name in their records and that a XXXX XXXX was the one that was billed for the total amount of {$15000.00}. I was not given any other information and I was emailed this invoice/receipt today on XX/XX/XXXX. Castle Credit and/or XXXX XXXX XXXX have put a lien on my property but never had any business with XXXX XXXX XXXX XXXXXXXX, Castle Credit XXXX XXXX XXXX Finance or a XXXX XXXX XXXX I want this Lien removed ASAP, as I will sue for my time used in this investigation I had to do myself and which I have requested Castle Credit XXXX XXXX XXXX XXXX to do but still have not done so. Also, the letter I received from XXXX XXXX XXXX has a contract with an XXXX XXXX, who I also have never had any business with and the copy of that contract has my name but not my phone number nor email address and I definitely have never signed. I will also email XXXX XXXX XXXX XXXX Castle Credit a copy of this XXXX XXXX XXXX XXXX original invoice and let this serve as proof that I never had any service done with XXXX nor Castle Credit nor XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Zelle has repeatedly failed me when it came to doing money transfers. I had Zelle through the XXXX bank until I closed my account. There were many instances where Ive tried to send money by Zelle and I was given an error message and to my assumption I assumed the money was never sent. However in this particular instance, Ive tried to send money by Zelle to a business on the same day with multiple attempts and was given an error message & my funds were never sent. What was meant to be only ONE Zelle transfer, I wake up the next day and my bank balance is WIPED after the many attempts of trying to send the initial payment. I had over XXXX Zelle transactions that were sent to this business when it was supposed to be one transactions. Given the error message that Zelle provided, I never thought they would seamlessly send the same transaction multiple times to this business on the same day. Ive contacted the business about the error and had asked them to give me back XXXX of my Zelle payments and keep the first initial payment since it was only supposed to be one. I was ignored & they robbed me outta my money all because Zelle did not have restrictions or proper implementations when it came to failed transactions with an error message on their end. Ive contacted my bank at XXXX and they were not helpful either. Zelle was also unhelpful and basically made it seem as if it was my fault. 

A second instance Ive had was when Zelle LOST a transfer that was meant to be sent to me. Not sure how it was lost but the person who was supposed to transfer money to me with my phone # registered to my name, I never received their payment and they lost out on their money and I lost out on mine too.
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. 


Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

XXXX XXXX : Account number : XXXX, I was a victim of identity theft. 
XXXX  : Account number : XXXX, I was a victim of identity theft. 
XXXX XXXX : Account number : XXXX, I was a victim of identity theft. 

Failure to respond satisfactorily will result in a small claims action against your Agency. I will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Product: Payday loan

Didnt apply for the internet payday loan from Multi Loan Source and its on my credit report and i can not get off my report