23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am beyond frustrated with the run around and lack of follow up from AES. I have been going back and forth with Customer Service Representatives from AES since the summer of XXXX when I was first made aware of the fraudulent activity on my student loan account. I have since then been in contact with them every 2-3 weeks following up on the status of the distribution of the checks that were fraudulently cashed by god knows who. I have provided all the documentation they request and then when I think progress is being made they ask for more documents or a Police Report? Seriously, you are requesting a Police Report when this incident occurred in XXXX? Why didn't they advise me of the needed police report back in XXXX when I first reported this to them. 

I feel as if they are giving me the runaround because their bank refuses to refund a clearly fraudulently cashed check. I have given them everything they need in order to determine which reimbursement checks were cashed by me and which weren't. I have submitted affidavits that have been legally notarized and nothing. 

I recently received 2 out of the 6 checks reimbursements. Today, XX/XX/XXXX I called to follow up on the pending 4 checks and they inform me that they are not showing any outstanding check distributions pending. 

I informed them that I have yet to cash the first two being that I want to ensure this matter is closed once and for all.
Product: Student loan

Navient 's predatory practices one of the nations largest student loan servicers, reached a {$120.00} XXXX settlement to resolve Consumer Financial Protection Bureau ( CFPB ) allegations of misconduct and consumer deception. My problem is that the CFPB Bans Navient from Federal Student Loan Servicing and they are still trying to collect from me harassing me almost daily my student loan was forgiven by XXXX XXXX XXXX XXXX  and they still are trying to collect Please look in to it. 
Thank you very XXXX XXXX
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 
Please delete the following accounts XXXX XXXX  with a balance of {$670.00} XXXX  with a balance of {$7100.00} XXXX XXXXT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) with a balance of {$1300.00} XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1500.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) with A balance of {$730.00}
Product: Debt collection

Debts were paid in full, requested to be deleted from my credit report and debt collection stated they would not after they received payment in full. Contacted credited XXXX/XXXX/2016 Solomon XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account # XXXX & XXXX
Product: Mortgage

In 2017 we fell behind on our mortgage due to unexpected expenses and a slight reduction in income. We tried to get caught up and began making regular monthly payments of {$1400.00} ( almost {$150.00} extra each month ) in XX/XX/XXXX through our online bill payment through XXXX. We were 3 payments behind, but almost had enough in the unapplied ( XXXX ) to make up 1 full mortgage payment, then we would be under 90 days. I even spoke to customer service in XX/XX/XXXX and they explained as long as we did not go more than 90 days that was fine. We made our XX/XX/XXXX payment which would have brought us current for XX/XX/XXXX, but LoanCare returned this payment and told me they would only accept a full 3 months to get caught up! I was almost there now they do this!
Product: Credit reporting, credit repair services, or other personal consumer reports

i received a letter in early XX/XX/2022 from both company XXXX  and CapitalOne stating that my application for a credit card was denied. I have never requested or made a credit card application to either company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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, credit repair services, or other personal consumer reports

Applied for one car loan and the dealership ran my credit through several banks without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for Correction of Personal Information on My Credit Report I am writing to bring to your attention an inaccuracy in my credit report. It has come to my notice that my credit report includes some outdated personal information, specifically old addresses and phone numbers. These inaccuracies are a cause of concern for me, as they may potentially lead to incorrect assumptions or conclusions about my creditworthiness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX Phone Number : XXXX I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information on my credit report. I am therefore asking for your assistance in investigating and resolving this matter promptly. 

Attached to this letter are supporting documents that substantiate my claim. These include [ list any documents that you have that support your claim, such as utility bills or a lease agreement showing your current address ]. 

I appreciate your prompt attention to this matter. Please let me know if you require any additional information or documents from me. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and bring to your attention an instance of negligence and non-compliance under 15 U.S.C. 1681o, which has caused harm to me and violated my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, inclusion of inaccurate information on my credit report, failure to verify disputed information. Despite my previous attempts to address this matter, they have failed to correct the information, provided inaccurate. 

As stated in XXXX5 U.S.C. 1681o, you are required to exercise reasonable care in ensuring compliance with the FCRA. Your failure to meet these obligations has resulted in denial of credit, damage to my XXXX XXXXXXXX XXXX XXXX 


CCS XXXX {$240.00} spoke with representatives and she stated I had a XXXX dollar balance. I asked for proof of this and she stated she would email me. 

Debt recovery solution account number XXXX {$340.00} asked for debt validation never received XXXXXXXX XXXX XXXX {$150.00} asked for debt validation never received XXXXXXXX XXXX XXXXXXXX account number XXXX {$140.00} never received debt validation from company.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX contacted XXXXXXXX XXXX  and XXXX XXXX and XXXXXXXX XXXX XXXX XXXX to show information they have on me they sent bank statement but not proof of the check or the original signature I also listing them the accounts that's not mine and don't know who the accounts to belong to I also gave them FTC Report that was not honor so im resubmitting the documents need assistance to help remove or block the accounts thats reporting on my credit report without my permission Transunion XXXX. XXXX is giving personal detail without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a membership with experian i corrected with XXXX  when i noticed they had wrong information on my credit report they have XXXX XXXX XXXX on there which iam not my middle name is XXXX or maiden name XXXX  please correct.
Product: Student loan

My personal information was sold to a third party lender in which I didn't give permission to have my loan services by this company, I was only told this id now my loan servicing company. This Agency has violated and tried to market to me which is a breach of the Gramm-Leach Act GRAMM-LEACH-BLILEY ACT NOTICE In XXXX, Congress enacted the Gramm-Leach-Bliley Act ( Public Law 106-102 ). This Act requires that lenders provide certain information to their customers regarding the collection and use of nonpublic personal information. 
We disclose nonpublic personal information to third parties only as necessary to process and service your loan and as permitted by the Privacy Act of XXXX. See the Privacy Act Notice below. We do not sell or otherwise make available any information about you to any third parties for marketing purposes. 
We protect the security and confidentiality of nonpublic personal information by implementing the following policies and practices. All physical access to the sites where nonpublic personal information is maintained is controlled and monitored by security personnel. Our computer systems offer a high degree of resistance to tampering and circumvention. These systems limit data access to our staff and contract staff on a need-to-know basis, and control individual users ability to access and alter records within the systems. All users of these systems are given a unique user ID with personal identifiers. All interactions by individual users with the systems are recorded.
Product: Checking or savings account

On XX/XX/XXXX a fraudelnt charge of {$180.00} ws made on my XXXX account. I notified XXXX and they credited the account back but i have not been able to receive my funds back. I have sent in new email, phone number, id, etc. That the company requested and as it stands today on XX/XX/XXXX i have not had the release of the {$180.00}
Product: Debt collection

I called Citibank and Wayfair once I saw the late payment notification on XXXX. Both companies confirmed on a recorded line that I paid off all debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


It has been over 4 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing 2 accounts from XXXX XXXX in the amount of {$620.00} and another account with the amount of {$460.00} over and over again because they are reporting false information all over the place.There are inaccuracies all over the place and I have dispute it several times and the account always comes back as verified well this last time I disputed I record over 15 yes over 15 letters from the creditor stating they did NOT know what I was disputing but they got my request to dispute information on the accounts. But XXXX  and XXXX  and equifax always updates results saying the accounts were verified and accurate?? Whos the lier here. That makes no sense XXXX .XXXX, equifax doesnt even investigate disputes! Im tired of getting the run around over and over the place i have even sent in documents. Uploaded them online showing proof that. Collections agency has my account I get debt letters sent to me. This is not fair name being the consumer and they report false information on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to urgently address the fraudulent account that has been reported on my credit file. I am a victim of identity theft, and this negative account is the result of criminal activities conducted without my knowledge or consent. 
It is essential that this inaccuracies be rectified immediately to prevent further harm to my credit standing. The fraudulent account in question was opened by someone close to me, who stole my personal information and used it to open account in my name. After becoming aware of these unauthorized activities, I contacted the bank, who has acknowledged the situation and agreed to remove the fraudulent account from their records. 
To support my claim, I have submitted the necessary Identity Theft Report with the Federal Trade Commission ( FTC ), and I have attached a copy of this report for your reference. The bank has confirmed the identity theft and is aware that the account was opened without my authorization. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/scrub>/2025 Wise unexpectedly closed my account without any prior warning or explanation. I had been using my account for important financial transactions, and there were no issues from my side that would justify the closure. 

I submitted an appeal through Wises internal process ( Wise Payments Limited ), but have received no response or communication from them regarding the appeal. This sudden action has caused a major disruption in my financial activities, including important transactions that were in progress. 

I am seeking assistance in understanding the reason for this account closure, reinstating my account, and resolving the disrupted transactions caused by this action.
Product: Debt collection

I have tried mail and phone to verify this account from XX/XX/XXXX to current. XXXX XXXX does not have posted an actual working phone and mail was returned as well. I have disputed this via XXXX only for someone to update that date at said time. How can they be working in fair business fashion if not allowing debit to be verified and corrected? I feel as if this could be a fraudulent company. 

Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Account Designator Code INDIVIDUAL_ACCOUNT Date Assigned XX/XX/XXXX Account Number xxxxxx XXXX  Original Amount Owed {$140.00} Creditor Classification Medical or Health Care Amount {$140.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID Comments Medical Contact XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've checked my consumer report XX/XX/2024 I still see the same inaccurate and malicious items on my report. I would like for XXXX, equifax, and XXXX to reinvestagate and please inform me where they validate these inaccurate items from : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, all the inquiries and all the false addresses. Please delete of of the malicious and inaccurate information from my consumer report as soon as possible.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of unauthorized accounts and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Derogatory Collection Account being reported to my credit reporting by XXXX, XXXX, and XXXX. 

IC System is now knowingly, willfully, and recklessly violating my FCRA rights by reporting an incorrect, invalid debt and collection account. The information reported is derogatory, and affects my ability to obtain proper credit, and defames my character. 

I have attempted to remedy the invalid, incorrect reporting myself however, IC System refuses to remove it as evidenced by the documents included in this complaint. 

USPS Certified Signature Required Letter : XXXX, USPS reports " Your item was delivered at XXXX XXXX  on XX/XX/2020 in XXXX  XXXX, MN XXXX to IC SYSTEMS MISC. The item was signed for by XXXX XXXX. '' Document received XX/XX/2020 USPS regular mail in response from IC System dated XX/XX/2020 labeled " ACCOUNT VALIDATION '' does not meet proper FCRA documentation requirements or provide proof this debt belongs to me. This is not my debt. IC Systems is incorrect in it's reporting of this adverse information.
Product: Mortgage

I have been searching for a home since last year. I locked in a rate with XXXX by paying a returnable {$500.00} fee if I dont get approved. I finally found a condo and put in a offer. I was pre approved for 20 % down. I was also told the rate expired so it went up. Fine.. We did appraisal and investigation beginning for escrow, which opened on XX/XX/XXXX and closes on XX/XX/XXXX. 9 days before closing, they let me know I will have to sell my car and put a 25 % down. When I asked for my deposit back, the agent let me know it already went towards the appraisal. A few weeks later I get hit with another {$590.00} bill from the company. I later on find out its a bait and switch scam.
Product: Student loan

I have not been able to obtain accurate account information from Navient over the past 2+ months. The problem started when I noticed that the Navient website contains account information that has an " Estimated Payment Schedule '' which lists the loan start and end payment date, and the " Total Amount to be Repaid ''. On my loan - the website states that my " Total Amount to be Repaid '' is {$55000.00}. The problem is - I have paid to date {$63000.00} - which is almost $ XXXX more than they are stating I will have to pay over the life of the loan. So either there is a mistake on my account - and my account balance should be XXXX - or the numbers on their website are grossly incorrect. Note that the total I have paid to date is calculated from the Navient website with their information - and I have confirmed this is what I have paid. 

I have both emailed and called Navient to inquire what is included in the " Total Amount to be Repaid '' and have been consistently told that this includes " payment, interest and fees '' - both in writing, and on the phone. I have also asked them to verify my " Total Amount to be Repaid '' ( {$55000.00} ) is the correct number and they have confirmed ( multiple times! ) that it is. And yet, I have paid more than that - and my account still shows that I owe XXXX {$12000.00} - so there is something very clearly wrong. This has led to a lot of stress and work on my end. It is also *exceptionally* concerning that a lender who is responsible for millions ( maybe billions ) of dollars in loans - ca n't provide timely and accurate account information. Are they willfully misleading consumers - or can they not do math? Or have I overpaid on my loan? Do I have to keep paying? Someone please help! Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from NavyFCU on XX/XX/18. I dont not recognize this lender or giving authorization to perform a hard inquiry.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Sputhwest credit systems added a debt to my credit report today. I called them provided my social and name and no one could find an account. I tried to dispute via XXXX  and system gave errors. Account number XXXX XXXX XXXX. I dont have any delinquent accounts. This is now going to appear as if i have had a delinquent account as part of my history.
Product: Debt collection

Harley Davidson has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Checking or savings account

On XX/XX/2022 I was held at XXXX point and robbed of my purse which contained my debit card passwords and my phone I immediately reported this to police since I had no money it took me awhile to get a new phone and in that time XXXX was taken from me and spent using my debit card on various things I disputed this as soon as I found out and was denied getting my money back Im currently XXXX XXXX XXXX  and I was saving for a apartment this set me back months and I dont know what to do because the bank denied me in less than 2 days of investigating my claim please help me
Product: Other financial service

I used Lexington Law for 2 years to raise my credit score and remove some items from my credit report well my score went down about XXXX points after I was finished paying them {$99.00} a month for 2 years They did nothing for me except take my money every month. I truly would not recommend them to any one. I would call periodically and was told that if I would hang in there a year that I would see results a year after I started my score went DOWN.