23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

The auto loan was financed by Truist Bank. The auto loan was paid off XX/XX/2022. We are asking for the Gap refund in the amount of XXXX. XXXX XXXX mailed a check to Truist on 8/01/2022.The check cleared XXXX XXXX Bank XXXX XX/XX/2022 Ck # XXXX. We have contacted Truist Bank many times to see if they have mailed the check back to us or XXXX and no one at Truist can give us any information on this check. As of today 's date we still have not received a check.
Product: Student loan

I missed a payment XX/XX/XXXX and did n't realize it until I received a letter from Navient XX/XX/XXXX. I was unable to make the entire payment at one time so I broke it up into 4 smaller payments and scheduled automatic deductions from my checking account via Navient 's website. I have one more payment left and Navient collectors have started calling my place of employment. Now the owner of the company I work for is questioning me about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'v been disputing with the bureaus month after month. There are items on my credit file for which I do not have a confirmed contract and there is no verification process what so ever. I'm seeking relief of damages from bureaus as I am owed compensation at this point. Information on my credit file for which the law clearly states there needs to be contracts for via the Comprehensive Credit Act of 2020 sec 401, other parts of the FCRA, and other portions of the law will entitle me to damages for the defamation of character that has been caused. For XXXX, There is a collection account that should not be there, as it's not even mine. There are 3 of the same exact inquiries on there for XXXX XXXX as well which ought not be. For XXXX  : There is 1 inquiry on there that I didn't even apply for ( XXXX XXXX XXXX ). No, this is illegal. Anything as well that's on my Experian file that also should not be there for which items are not verified also are to be removed. This includes collections, inquiries, and missed payments. Experian has been the most difficult to work with of all of the bureaus. I believe that their data breach is what really caused me the most issues with them. XXXX  is known for never verifying information as well. A closed collection account is not the same as having it removed which it should be removed. There should be no missed payments with them at all. Last I checked, Experian had collections on my file, inquiries and other late payments which are all wrong. I've already sent them verified/certified letters asking about this. 

Specifically For Experian I've written them the following,,, XXXX/XXXX  - {$5100.00} Never made any late payments, paid in full 34potentially negative months Account Info Account numberXXXX XXXX XXXX XXXX  XXXX - {$15000.00} Never made any late payments 3latepayments - not true Account Info Account numberXXXX XXXX/Dept. of ED - {$22000.00} Paid In Full, and On Time Account numberXXXX Collection : XXXX XXXX XXXX, Never Did Business With, Not my Debt Account numberXXXX {$5000.00}
Product: Credit card

I signed up for the Amazon.com store card, as it offered an interest-free special financing deal for 12 months, which seemed like a smart way to make an investment in new tools for the business. 

I made the purchases over time time period XX/XX/XXXX. I then received a bill over the XXXX Holiday, over which I was out of town and then slammed working 12 hour days. When I finally had a moment to check bills, I saw that Amazon had issued a bill that somehow had a due date of XX/XX/2016 -- less than 30 days after the purchase was made, giving nearly no time to pay the bill before the account went delinquent, a late fee was charged, the special financing turned into penalty financing, and collections agents began calling me. 

To me, that is a predatory lending practice that utterly violates the 30-day rule on credit card billing for consumer purposes in the United States. I will be closing this account and never doing business with Synchrony Bank / Amazon again. 

However, I would also like the CFPB to look into this case very closely, as I believe this may be a predatory lending institution out to fleece larger numbers of unsuspecting Amazon customers, with no intent of ever sticking to fair and honorable business practices.
Product: Credit reporting or other personal consumer reports

Inquires needs to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I previously filed a complaint against Med Data for reporting a collection account on my credit report without first giving me a notice of my right to dispute. The complaint # was XXXX. They responded to it, but with someone else 's information.
Product: Credit reporting or other personal consumer reports

Hi EQUIFAX, I don't know what is going on because I just checked my credit report and can not believe what I see. I found this fraud account opened without my knowledge and shall delete from my credit report. I spoke with the fraud team from XXXX XXXX XXXX and she told me since this account was opened due to fraud, she will closed it out. I was told that I have the right to delete this fraud account from my credit report. Account number XXXX is fraud and I would like to use my right to delete this fraud credit card from my credit report.
Product: Checking or savings account

It was {$710.00} taken from my account without my authorization or approval and i would like it back please
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request verification of the following accounts : 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 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request the companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with fair credit reporting act XXXX  Account XXXX XXXX XXXX n accordance what fair credit reporting act XXXX  Account XXXX XXXX consumer n accordance with fair credit recording act XXXX Account XXXX XXXX XXXX 15 u.s.c 1681 section 602 A States I have the rights 15 u.s.1681section 602 A Section 2 it also states a consumer reporting agency can not fumish A account without my written instructions
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 and privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX  15 U.S.C 1681c. section 602 A. States I have the right to privacy.

15 U.S.C 168 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing to dispute an item on my credit report issued by XXXX XXXX. Upon reviewing my credit report, I noticed an entry that I believe to be inaccurate and damaging to my creditworthiness. The details of the disputed item are as follows : XXXX XXXX XXXX Balance Owed : {$2200.00}
Product: Student loan

I have applied for SAVE and I qualified for SAVE back in XXXX of last year ( XXXX ). Nelnet rejected my application to be on SAVE. I applied AGAIN and specifically requested to be on SAVE and still they refused to put me on SAVE. So I applied a third time and I filed a complaint with the Department of education. They finally put me on SAVE at XXXX $ payments. However they refuse to take me off forbearance and back in repayment and all of my loans say IDR PROC admin and payments are not due until XX/XX/XXXX. I have been occurring interest this ENTIRE time.
Product: Checking or savings account

Bank of America closed my account and restricted my access after I made a deposit I never got the funds but it was credited to my account but I definitely have received got a refund check or anything so where is my funds also miscellaneous fee was charged to my account struggling to get a bank account after this happened for some time now
Product: Student loan

In XXXX of XXXX I was behind by a payment on seven private loans with Navient, so I called to make a payment and find out what options I had on dealing with the issue. 

XX/XX/XXXX I spoke with a representative named XXXX who helped me apply for forbearance and request a rate reduction program. I made a payment of {$450.00} to bring my account current and specifically asked her if I needed to do anything to ensure it wouldn't affect my credit report ( as nothing had been submitted yet ). She recommended making an additional payment to ensure it doesn't go past due while I was waiting for approval of the rate reduction program. I made another payment on the same call for {$300.00}. As part of setting up the program, I also set up autopay to have {$450.00} paid on XX/XX/XXXX and XX/XX/XXXX to keep the account current while I was pending the program. Those payments both came out as well on the respective dates. 

XX/XX/XXXX I noticed that a delinquency was posted on my account ( per XXXX ) and I was confused because I was told by XXXX that this wouldn't happen and I hadn't lapsed in payments. 

XX/XX/XXXX I called Navient and spoke with a manager in collection named XXXX. I explained what happened and asked about the credit reporting and he said they were " backed up and they falsely reported '' the delinquency. XXXX told me that " the collection will be reversed '' and on " XX/XX/XXXX theyll rescind the delinquency ''. He also informed me that I was approved for the rate reduction program and would be paying {$450.00} a month with 3 % interest rate on all of my loans for the next 6 months. 

XX/XX/XXXX My credit report still shows a delinquency so I called Navient again to follow up on the issue. I spoke with XXXX ( ID # XXXX ) who read my account notes and said there is a note that they requested it changed and late fees should be removed. She transferred me to a manager named XXXX ( ID # XXXX ) who said there was nothing he could do about reversing a delinquency. He said he would add notes to my account and request a review from an ombudsman who would review the calls I referenced and determine if my complaint was valid. He told me this person would reach out in 2-3 days at most and it's been a week and I haven't heard anything. 

XX/XX/XXXX I also submitted disputes with XXXX for the four loans that show as delinquent. I don't understand why it was only four loans since I have seven loans with Navient. This makes me think they were applying my payments to only some loans and not all of them, therefore allowing some to go into delinquency for a couple of months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 8 and 9 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit card or prepaid card

I have filed a dispute with XXXX, and XXXX on multiple occasions and they have not been able to successfully verify this debt. My wallet was stolen and this card was used leaving me with a balance {$2300.00} it has now been charged off as bad debt.
Product: Credit reporting or other personal consumer reports

I applied to Lightstream for a personal loan as well as went through the website XXXX and applied for a personal loan. They reported back to me saying my credit score was way below what XXXX told me it was. My credit score with XXXX at that time was XXXX. But these companies reported my score which they obtain through XXXX way lower than my actual credit score which has hurt my credit with inquiries as well as me not being able to apply for any new credit to pay my bills. XXXX stated that my credit score was a XXXX pulled on XX/XX/year> through XXXX. 

Lightstream reports that my credit score is XXXX reported on XX/XX/year>. 

Both are not true as I've spoken with XXXX, but it's still being reported tlby XXXX these scores to these companies. I have the documents.
Product: Money transfer, virtual currency, or money service

I received an email from my landlord instructing me to make a rent payment to a new email address via XXXX. Since I was already laying via XXXX and he is going through a financial institution change I made sure I sent the payment immediately, and on time. When I texted my landlord to confirm receipt he then notified me that hos email address was hacked, and that he does not recognize the requester. In a panic, I immediately called Navy Federal Credit Union requesting assistance. They told me that they are not responsible because XXXX transactions is not protected from fraud. 

I pleaded and provided ample proof, to no avail.
Product: Debt collection

On Friday XX/XX/XXXX I spoke with United Recovery, a debt collection agency regarding a XXXX credit card with an outstanding balance. The collection agency called my place of employment, XXXX XXXX, at XXXX. This number leads to an automated system explaining it is XXXX XXXX, and clearly not a personal number. I informed the gentleman on the phone that I am unable to take personal calls at work, and not to call me at this number again. I politely informed him I would call him regarding the matter from my personal phone when I am off the clock. On Monday XX/XX/XXXX at approximately XXXX XXXX, the same debt collector called my employer yet again, after being informed not to on a recorded line. My manager happened to answer the phone, and I was scolded for having personal calls at work. This is unacceptable and can jeopardize my job. We have a strict policy on personal calls at the bank, and I told them of this. They have disregarded my privacy and request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not get through to Equifax regarding the credit freeze I placed on my personal information. The company has effectively blocked me from speaking to anybody in person by asking me bogus security questions, or asking these questions in another language. 
I even went through obtaining a verification code by mail, following the instructions to enroll in my.equafax.com, and was locked out of enrollingin this also. This enrollment would have let manage the freeze that I placed on my personal information. 
I have not had any problem with managing the credit freeze on my information with XXXX  or XXXX. 
Equifax has made it impossible for me or anyone in our household to speak directly with somebody in their customer service.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent account on my report please removed this account from my report it's hurting my ability to obtain credit. 

UPDATE NAME- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX Please. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2018 I contacted transunion and XXXX about numerous inquiries on my credit report that I did not apply for and they were no help told me to just call the creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an old account with XXXX XXXX XXXX/XXXX in the amount of XXXX that was opened in 2009. All of my loans were consolidated with a government program and XXXX is now over my payments. But this company is reporting 180 days past due even though it has been closed. Its also more than 7 yrs old. I have disputed this with equifax numetous times and they have failed to remove this old account. They dont even investigate it. This is harming my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to dispute open collections on my Equifax report - confirmation number XXXX. I did not receive a status update. when I attempted to check the status online it said pending, until it was close to the 30 day mark, then equifax kept on saying the information is incorrect and there is no dispute matching my records. I called them multiple times and was put on hold for hours. when I finally reached them they told me that the information is accurate and I can contact the collection agency myself. I informed them that I tried that, however the collection agency did not change its mind. this {$12.00} collection that 's stopping me from being able to buy a house was a doctor 's bill that was paid long before it went to collections and needs to be removed.
Product: Debt collection

I received a letter from Caine & Weiner that was dated XX/XX/2019 saying that they've been hired to collect debt from me. I do not recognize the company Caine & Weiner claim I owe money from. The letter instructs me to call Caine & Weiner if I didn't recognize the debt and I did call multiple times, on XX/XX/19, XX/XX/19, and XX/XX/19. All three times no one picked up and 2 out of 3 times I left a voice message with my information for them to call me back. I did not receive any phone call back from Caine & Weiner.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$21000.00} Original creditor CONSOLIDATED DIRECT LOANS XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$22000.00} Original creditor CONSOLIDATED DIRECT LOANS XXXX XXXX XXXX Account type Auto Loan XX/XX/XXXX {$7400.00} XXXX XXXX Account type Secured Card Date opened XX/XX/XXXX {$380.00} Formal Complaint Against [ Credit Bureau Name ( s ) : Equifax , Experian, TransUnion ] for Failure to Remove Fraudulent/Inaccurate Information Due to Data Breach To Whom It May Concern, I am writing to formally file a complaint against [ Credit Bureau Name ( s ) ] under the **Fair Credit Reporting Act ( FCRA ) ** for their repeated failure to investigate and remove fraudulent and inaccurate information from my credit report, despite providing evidence of identity theft linked to a data breach
Product: Debt collection

Received a flag on XXXX credit report rom Enhanced Recovery for amount of {$950.00}. After contacting XXXX I learned this was for an XXXX XXXX XXXX XXXXccount-which I don't have. Nor have I ever had an XXXX XXXX XXXX account.
Product: Checking or savings account

On my capital one app it shows a charged off account. It's several years old XXXX+ to be exact. Tried to have it removed bit no solution. This needs to be fully closed off and removed from the dashboard for active accounts.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$7100.00}, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, PAYMNT 1 Date of Inquiry XXXX XXXX, XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed fraudulent activities. this is stopping me from obtaining credit.
Product: Credit card or prepaid card

On the date of XX/XX/XXXX, I recieved a statement from capital one stating that I owed interest, I paid off all my cards before the due dates, and I was told multiple time by their customer service staff that I would not be charged any interest. Paid off my cards on the XXXX or XXXX, and the payments were due the XXXX, they charged me XXXX $ for nothing. I have bank statements that proves they received their payments on the XXXX. I have contacted them, gave them a chance to resolve this issue, through talking to one of their supervisors on XX/XX/XXXX, and they refused to do anything about it, their excuse was because they closed my account theirs nothing they can do, but they were the ones who closed the accounts. They are charging me for purchases for litterally nothing, I did try to contact the company in writing and they do not have anyone at the company who accepts billing issues in their company that accepts writing, phone only.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelle 's handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unreasonable. The CFPB 's findings indicate that Zelle hasn't only neglected to protect consumers but has also allowed repeatedly offenders exploit the system, leaving users vulnerable to scams.The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting XXXX XXXX account # XXXX act 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

The existence of this account has caused me significant distress, to XXXXhe point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.