23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient currently holds my student loans, but that was not always the case. Prior to them obtaining the loan, and beginning in XXXX, XXXX, I was paying another company. That continued until I went into XXXX in XXXX. I was in XXXX from XXXX, XXXX XXXX XXXX. However, Navient has no record of any payments made prior to XX/XX/XXXX. However, I made payments on the interest for the XXXX and I made monthly payments on the loan from XXXX, XXXX until XXXX, XXXX. These payments are evidenced in my tax returns, whereby I deducted for XXXX loan interest payments. Further, in XXXX and XXXX, I took out loans on my homes. This would not have been possible had I not been paying on my XXXX  loans during the time they indicate. 

I contacted Navient and requested the records but have hear nothing back. Even with the XXXX, my payments should have ended, and the loans paid in full, on XX/XX/XXXX. This is based on the loans beginning XXXX, XXXX for the amount of {$26000.00} at an interest rate of XXXX % and monthly payment of {$180.00}, with a two year XXXX. 

Further, Navient has continued to deduct payments since that date through XX/XX/XXXX. Navient owes me {$1400.00} in overpayments I made.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX, I sent multiple dispute letters to Experian regarding inaccuracies on my credit report. Despite following the proper process and providing detailed explanations, these issues remain unresolved. Below is a summary of the disputed accounts and actions : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Auto Loan opened on XX/XX/XXXX with a {$25000.00} balance. 
XXXX missed and late payments, requested complete payment records and proof of investigation. 
XXXX. XXXX XXXX ( Account # XXXX ) : Account opened on XX/XX/XXXX with an {$8400.00} balance. 
Disputed charge-off status and requested proof of charge-off or update of balance to {$0.00}. 
XXXX. XXXX XXXX  ( Account # XXXX ) : Revolving account opened on XX/XX/XXXX with a {$300.00} balance Disputed charge-off status and requested proof of charge-off or balance update. 
XXXX. XXXX XXXX ( Account # XXXX ) : Secured Loan opened on XX/XX/XXXX with a {$67.00} balance. 
Disputed late payment history and requested proof of payments made and missed, along with investigation details. 
XXXX. XXXX XXXX XXXX XXXX # XXXX ) : Collection account opened on XX/XX/XXXX with a {$1200.00} balance. 
Disputed debt ownership and requested proof from the original creditor that this debt collector owns the debt and has legal authority to collect. 

In all cases, I have not received adequate proof of investigation, payment records, or validation from Experian or the creditors to support the negative information being reported. This failure to investigate properly violates the Fair Credit Reporting Act. 

I request immediate resolution, including the removal of inaccurate items, correction of any errors, and written confirmation of all actions taken on my credit report
Product: Checking or savings account

My capital one CD was closed without any acknowledgement to me and money was transferred to a separate account which was not listed on my CD. I had no clue that the money was transferred to an external account. Your money is not secured in Capital One as they can transfer your money without your authorization to someone else 's account. This is a clear case of unauthorized fund transfer and they take no responsibility with this. Every time I call them, they said it was done in error and they have no option to fix it. Capital One should be held responsible for this as my money was transferred to an external account which was not listed on my CD. They can wrongfully take your money away
Product: Debt collection

Moneylion says I owe a XXXX dollars which I never received so how do I owe and it's on my credit score
Product: Credit card or prepaid card

I have two cards with Citibank - one is closed the other is still open. Last fall the card 's limit was reduced without notice after I made a large payment on the card. Today I got another email that the limit was reduced as I'm paying the balance on the open card down. I paid a significant amount down on this card last fall, and they cut my available balance to within {$50.00} of the current balance! 

Adding insult to injury is the fact I got behind on the closed card but worked very hard to stay current on this one ; within DAYS of me getting current they pulled this stunt on me! My family sacrificed in order to pay these people and I'm thanked with games like this? How is this legal? 

This continues to damage my credit score as I'm trying to dig out from more than six months of unemployment in the middle of a pandemic. Aren't they supposed to give notice before my limit gets reduced like this? 

Once the balance is paid off I plan on chopping this card up and sending it back to them because Citi has been AWFUL to deal with. They have some kind of robot reducing my available balance, thus making sure that it's impossible to dig out of this hole. 

I have attempted to get satisfaction from Citibank in the past and they are positively USELESS! They are the worst bank I've ever had to deal with.
Product: Checking or savings account

I enrolled in Pnc purchase pay back program. I signed up for the XXXX XXXX  pay back to receive 10 % of the purchase. I made a purchase on XX/XX/2020 for {$1500.00}. I was to receive {$32.00} which was the maximum amount on the XX/XX/2020 but never did. I filed a dispute within the bank but the bank never deposited the {$32.00}. I called again today and was not provided no assistance or explanation. I would just like the {$32.00} indicated under the purchase pay back program. I followed the rules and it is wrong for the bank to cheat customers after the transaction has been completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I filed a dispute with the Equifax about the about incorrect addresses on my credit file : XXXX XXXX XXXX, XX/XX/XXXX XXXX -- 2020 XXXX XXXX, XX/XX/XXXX XXXX -- XXXX XXXX XXXX, XX/XX/XXXX XXXX -- XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX -- XXXX XXXX XXXX, XX/XX/XXXX XXXX -- XXXX XXXX XXXX, XX/XX/XXXX XXXX. In that time I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these inaccurate addresses as of today. Thank you
Product: Payday loan, title loan, or personal loan

Charged late fees Had money taken out of my account Credit card fees And charged for checking account in fees
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX XXXX and i am personally composing this complaint. Transunion credit bureau is reporting inaccurate inquiries to my credit report. I have complained several times and called several times and was placed on hold for hours every time that i call. They do not respect me and it is making me depressed. These negative inquiries are making my profile poor. PLEASE HELP me, i really need help with this issue. Inquiries Below XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

After advertising and advising me a debt consolidation loan would payoff outstanding amounts they denied me a loan- That same day we purchased a new vehicle- score XXXX XXXX respectfully. They did NOT take into consideration we were paying and based their loan rejection of evidently erroneous information! See attached!
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed several inaccuracies and unauthorized accounts and information reporting to my credit report. These remarks have been XXXX to my life and XXXX.
Product: Credit card

They charge me for things that I did not resolve I call them and ask for information and they just told me to return it he thing back when I reserve them but I never reduce nothing then I call them when I reserve the paper where I have to pay and I told them but they put me in hold and then they hang up the phone
Product: Debt collection

XXXXDisputed on XX/XX/2024, XX/XX/2024, XX/XX/XXXX, and XX/XX/2024 requesting for them to investigate and ask the company to provide details relating that this is my date because I have not recieved any thing from the reporting agency National credit Agency . I called agency several times asking for them to provide me documentation that this debt is owed due to a letter I recieved that I was a victim of XXXX credit Breach. I filed a dispute several times asked for XXXX to dispute and send me the company information and finding that I owe this debt and if the company have the right to this debt. I have not recieved anything and the debt is still on my credit. Total amout of debt is XXXX XXXX XXXX XXXX XXXX  and debt was sold to National Credit System. I called the XXXX XXXX XXXX XXXX and the wouldn't provide me with any details either.

On the same dates above I asked XXXX by writting to update my credit with the correct address do to fraudentaly things I see on there and the address on there are not mine. They are my ex-husband from XXXX. The address are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX XXXX TX XXXX. These are not my address. 

0n XX/XX/XXXX, I seen a Mortgage company on my report from XXXX XXXX XXXX  This is not my Mortgage company and I asked XXXX to remove this Comapny and remarks and this is still on my report. Please Help
Product: Credit card or prepaid card

I received pre-approved offer of a credit card from XXXX, which I accepted online. Approximately 10 days later, I received a letter from XXXX, denying my card for the reason of : " Elements associated with fraud. '' I have never committed fraud. 

I am not aware that fraud has been committed on any of my accounts, which I monitor regularly and balance my accounts each month. 

When I contacted XXXX to receive an explanation, I was transferred several times, and none of the departments understood the issue, none were able to correct, and each wanted to quickly pass me off to someone else, who in turn lacked the basic skills to address this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX with XXXX XXXX XXXX initiated a hard inquiry on my XXXX credit report without my knowledge or consent. I called XXXX XXXX and asked about the inquiry, he stated he assumed I was ready to move forward, I asked him how was I ready to move forward if I didnt fill out an application nor did I provide my Social Security number, he could not explain. My last correspondence with XXXX XXXX was on Friday XX/XX/XXXX when I inquired about his company offers and/or incentives, I have not given any one including XXXX XXXX permission or access to run my credit.
Product: Debt collection

I have Nissan Financial on my credit for a vehicle that was a total loss. I had gap insurance on the vehicle through this company that I paid every month. The gap insurance should of covered any additional fees
Product: Credit card or prepaid card

American express blue prepaid card XXXX XXXX XXXX, code XXXX, expiration XX/XX/XXXX charged me {$2800.00} without my permission or authorization for a car rental which was already prepaid. They took {$900.00} I had on my account at that time, plus left unpaid balance, and fees American express imposed. It happened in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX currently is reporting under CARRINGTON Mortgage Services that I have a 120-day late payment in XX/XX/XXXX and a 30-day late payment in XX/XX/XXXX ; both are incorrect and should not have been on the report to begin with. 

I initially filed a dispute to this item earlier this fall and was told by XXXX that they have no control over what they are reporting but rather they have to report what the creditor tells them to report -in this case CARRINGTON Mortgage Services .

I have spoken to CARRINGTON Mortgage Services on several occasions regarding this issue and each time I am told that this reporting discrepancy should have been resolved since the other reporting agencies have already removed these erroneous late payments. 

These incorrect late payments are still being reported by XXXX and it is currently keeping me from my correct and proper credit score and status. I need to turn to you because I can't determine which one of these parties is actually responsible for removing these items from my XXXX credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I requested an update on my personal information from Equifax
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, is falsely reporting a collection account on my credit report inaccurately. They are reporting a collection account as open and past due, which is inaccurate. They are reporting late payments on a collection account which is inaccurate. They are reporting different dates opened, Last reported and Last Active, which is inaccurate. They are reporting the same collection account under different names which is inaccurate and illegal. Ive communicated through ALL credit bureaus and disputed with them multiple times. All come back verified with is a complete lie because this account is so inaccurate and false. Per the FCRA, Im entitled to a correct credit report and I DEMAND for XXXX XXXX to completely delete this account off my credit report due to it being false and inaccurate.
Product: Credit reporting or other personal consumer reports

This company NUVELL CREDIT CO still wants to show up on my credit report for account opened in XXXX & should not be reporting anymore after receiving all payment in full of {$41000.00} original amount owed in XXXX they are claiming some {$100.00} fee I owed since XXXX & claims I settled XXXX but never settled anything, company took upon there self to settle outside my knowledge & personally using this against my credit report to destroy my credibility ask that this company be investigated with how they can take action with no acknowledgement from other party which in turn has my credibility paying the price, this is an illegal act that should not go on. This account should be removed immediately from my credit report without any delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account XXXX XXXX  with XXXX XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX and the incorrect information is still there. 
This account was Never Late and never charged off however XXXX has it marked as late and charged off. 

I disputed the account XXXX XXXX with XXXX XXXX and Transunion and the incorrect information is still there. 
This account was Never Late and never charged off however XXXX XXXX and Transunion have it marked as late and charged off. 

I disputed the account XXXX XXXX with XXXX and the incorrect information is still there. 
This account was Never Late and is paid off however, XXXX  has it incorrectly marked as late with a balance I disputed the account XXXX XXXX  with XXXX   and Transunion and the incorrect information is still there. 
This account was Never Late and never charged off however XXXX XXXX  and Transunion have it marked as late and charged off. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that on my consumer report is result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting of this information be blocked and deleted. 
My request to block is not being made in error ; nor is my request to block and delete such information made on the basis of a material misrepresentation of fact by me relevant to the request to the identified transaction. The identified transaction are not information related to any transaction by me as a consumer. 
XXXX. Account name : XXXX XXXX Account number # XXXX XXXX. Account name : XXXX. Account number : # XXXX XXXX. Account name : XXXX XXXX XXXX. Account number # XXXX XXXX. Account name : XXXX XXXX XXXX. Account number : # XXXX XXXX. Account name : XXXX XXXX XXXX. Account number : # XXXX XXXX. Account name : XXXX XXXX XXXX. Account number : # XXXX XXXX, Account name : XXXX XXXX XXXX. Account number # XXXX XXXX. Account name : XXXX XXXX. Account number # XXXX XXXX XXXX XXXX XXXX XXXX Account number # XXXX as well as the following inquires a. XXXX XXXX Under 15 U.S. Code 1681c-2 Block of information resulting from identity theft I demand this information to be block and removed from my consumer report with in 4 days from the date of receipt of this notice. 

FEDERAL TRADE COMMISSION Identity theft report # XXXX
Product: Credit reporting or other personal consumer reports

Urgent Complaint Regarding Failure to Update Account Status - Loan Paid in Full I am writing to file a formal complaint against XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX XXXX ) concerning the mishandling of my account status. Despite having paid off my loan in full and receiving the 1099-A copy B from the IRSXXXX XXXX XXXX ( XXXX XXXX XXXX ) , theyhas failed to update my account to reflect the paid-in-full status. 

This oversight not only affects my credit report accuracy but also raises concerns about the bank 's adherence to proper financial reporting standards. I have made multiple attempts to rectify this issue by contacting XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX XXXX ) directly, but the situation remains unresolved. 

I kindly request the CFPB 's intervention to investigate this matter and ensure that XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX XXXX ) promptly updates my account status to " Paid in Full. '' Additionally, I would appreciate guidance on any further steps I should take to address the consequences of this reporting discrepancy on my credit profile. 

Thank you for your prompt attention to this matter, and I trust that the CFPB will work to ensure fair and accurate financial reporting practices.
Product: Credit reporting or other personal consumer reports

The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX, XXXX, and Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible ACCURACY of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) PROMPTLY notify the furnisher of that information that the information has been modified or DELETED from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

My debt with XXXX XXXX XXXX should be not listed as a charge-off. Instead, the deficiency of the auto loan should be listed as a part of the XXXX  bankruptcy discharge. This debt originated/predated the XXXX  XXXX conversion date of XX/XX/2018 and for that reason, the debt was discharged. Therefore, the trade line is required by law to reflect that. The docket from the bankruptcy court is attached. Please make the necessary updates to the tradeline reports to reflect the debt being discharged as a part of the bankruptcy. Failure to do so will result in potential bankruptcy litigation based on this apparent violation of the Bankruptcy Discharge order as well as FCRA litigation in Federal Court. If you have any questions, please contact my bankruptcy attorney, XXXX XXXX of XXXX XXXX XXXX. 

I have made several attempts to resolve this issue by sending letters by Register Mail to XXXX XXXX XXXX and letters to all three credit bureaus.
Product: Checking or savings account

Someone else opened the account under my name and last name via TD bank routing : XXXX account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My SSN, DOB, full address, and potentially DL and credit card numbers were stolen from Equifax via an easily patchable security flaw, along with the information of 143 million other Americans. This is obvious negligence, and no such company should be allowed to conduct such sensitive business in the USA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item is identified as bankruptcy. The bankruptcy was dismissed. You need to remove this Bankruptcy from my record to make sure that I don't need to comply with my personal legal rights according to 15 USC Section 1681n or 1681o, which needs your conformity utilizing the law. US XXXX  CT CA XXXX XXXX  Reference number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This i

nformation has not been validated. They have caused me to be denied and not been able to secure financial stability for my family. I have disputed this information more than 4 times and it does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.