23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX, I received a notification by mail from my private loan Navient regarding Interest Rate Reduction program confirmation. According to the letter I was to first complete three qualifying payment of {$30.00} beginning of XX/XX/XXXX. I made the payment of {$30.00} online on XX/XX/XXXX and called Navient the same day. However, their office was closed and I left a voicemail with my name and contact information to verify the payment was submitted. I called again the private loan to confirmed payment and enrollment in the interest rate reduction program. However, I was not given any answers instead I was informed that my message was going to be sent to the department in charge of the program. I decided to call again on XX/XX/XXXX regarding the letter I received. I was informed by customer service representative that the program does not apply to the loan I have with them. I explained that the letter includes the private loan account number I have with Navient. However, customer service representative kept on reassuring me that it did not apply to the loan. 
I was very confused with this information since the letter did include the account number and reference number. I then requested to speak with the manager regarding this matter. The customer service representative put me on hold and then mentioned that the amount of {$30.00} on the letter was a mistake. I asked to speak to the manager again regarding this matter. The manager then explained that Navient did a mistake in sending the payment to be of {$30.00}. I told the manager how it is possible that they send false information to the customers. This is not the first time it happens that they send me false information. Regardless of the mistaken from Navient, the manager was going to proceed in enrolling me in the program. The manager then told me to check in 7-10 business days for the interest rate to change on my loan. I called on XX/XX/XXXX and there was no update on the changes. Up to this date, they keep telling me they working on changing the status of my loan. I have called on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have been calling and leaving a message to the person handling my loan at Navient. That person has not returned my phone calls.
Product: Credit reporting or other personal consumer reports

The deletion or blocking of accounts resulting from a data breach and unauthorized inquiries is governed by FCRA Section 605B, specifically addressing the blockage of information arising from fraud or data breaches [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 
I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ]. 
It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities. 
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX  Listed below are the Collections that are being challenged 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

XXXX XXXX account XXXX was settled for recent payment of XXXX and has agreed to to delete the collection. 
I was notified CFPB has filed a lawsuit company XXXX in under investigation Please put sloan/nelnet in positive status never paid let. 
I requested that this removed because XXXX violates my rights as a consumer and federal laws. I requested this to be removed.
Product: Money transfer, virtual currency, or money service

I an writing in regards to express my concerns on Zelles handling of disputes, in the light of recent CFPB lawsuit. Ive used Zelle numerous of times and even after reporting disputes and discrepancies Zelle or my financial institue failed to progress my claims accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The following accounts have violated my rights. The inaccurate reporting has affected my ability to purchase a home or get financing. I am an XXXX XXXX XXXX with XXXX  I feel taken advantage 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 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 XXXX XXXX XXXX XXXX 

Under the Fair Credit Act,15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1681c. ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( A ) ( 1 ), 12 CFR 1026.10 ( f ) I have tried to resolve these matters with the bureaus & CFPB. I submitted the complaint on XX/XX/2023. It has has been XXXX since submitting complaint and there's no action. All I get is letters from them to discurage me from seeking justice. 

According to 15 USC 1681n ( a ) ( 1 ) Any damages sustained by the consumer as a result of the failure or damages will be compensated. 

As a result of this I want all fradulent accounts removed from my credit report immediately with {$1000.00} dollars per violation. This level of injustice has tarnished my ability to get financing for a home for my family or even be able to apply for credit.
Product: Credit card

Bank of America continues to pursue Collections for a balance that was long ago reported as dispute : reason fraud. They are sending no reply emails to collect on account ending in XXXX, after first trying to Collect on account ending in XXXX ( not sure if that 's the exact lastXXXX because I shredded the card then was cut off from electronic statements. 

The reason for card re-issuance was the fraud on that number. After reporting that there should not be ANY balance on the card I was not using or receiving paper statements for, and receiving acknowledgement that this is clearly fraud, I suggested CLOSING the card for reason : Lost/Stolen and replacing it to prevent further fraud. 

The balance was verbally agreed to be in dispute, and I had to go to the Fidelity Service center to request they act on my behalf after nearly a week of not being able to get through to the department to be transferred to for fraud & disputes. XXXX made the call for me and was privy to the conversation. 

The vendor was changed because of their gross negligence, and the account was purchased as part of a collections portfolio, when it should have been a XXXX balance and off my credit report. In fact, the account was only reported delinquent AFTER I reported fraud, placed the balance in dispute and was reissued a new card. A week or more later I received a credit alert that I was delinquent. 

I am willing to email BoA and have in writing what is being communicated but they are only sending no-reply emails with demands to contact Collections, noting the time frame within which they require an item to be placed in dispute. I am not willing to place the item in dispute AGAIN and miss their imposed time frame. The balance continues to grow, along with my desire to expose their devious practices to every person on the face of the earth. 

This was supposed to be resolved a very long time ago, and was the result of not doing the most basic fraud detection and prevention that is the expected standard for a financial institution. I am not willing to get into their technicality trap of fine legal print because they are ignoring the original dispute. They should not be in the banking business to be perfectly honest. 

This is an addendum to complaint # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies- XXXX XXXX XXXX XXXX XXXX Account. XXXX. Line of credit for {$5000.00}. SinceXX/XX/XXXX. 
XXXX has not showed any proof of any type of investigation that I was late in the years of :XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX. They will not investigate this issue. I have constantly have asked them and the 3 major bureaus to send me proof of documentation stating lates on any accounts I have with them. They will not answer. Please help CFPB
Product: Credit card or prepaid card

Citi closed my consumer credit card account without providing any notice or reason. The account is in good standing and not frequently used. I believe this could be retaliation for a previous CFPB compliant I filed against Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX financed alarm equipment for my business. 

They were deducting payments from our debit account as agreed. I dispute the late payments on my credit report. 

They report the account as closed when it is actually open and we are still making payments. The account is open. I am attaching the most recent statement. 

I reached out to XXXX and they were very difficult and refused to make changes to the credit bureau reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/2021
Product: Checking or savings account

Opened Checking account with Regions Bank XX/XX/XXXX. Had recieved an incentive if opened new account and kept {$1000.00} balance for a certian time I would recieve a {$400.00} bonus/ incentive. I have a mortgage account with Regions all has gone well with that account. The checking accout was opened with the help on a phone call, due to glitches in the Regions system. There should be a recording of this. Also to ensure the {$400.00} incentive would be applied. 
I have followed up with Regions several times, told to be patient and look for the deposit of {$400.00} and the end of XXXX. I called again, now being told the " online " banking for my account did not show being activated, was told on a phone conversation with customer service, this prevented the " auto tracker '' to track my account and make the deposit of the {$400.00} incentive. I was on the phone a length of time with Regions setting up the account and setting up the online banking due to the fact by the branch here in XXXX to initially set up the account and was told they were too busy and could not set up an appt. on that day being XX/XX/XXXX. 
I petition to recieve the {$400.00} incentive to the account as soon as possible.
Product: Student loan

Nelnet my previous Student Loan provider was taken over by something called Sloan Servicing this year. Since that time my payment date has been changed without my knowledge ( from the XXXX  of the month to what I think is the XXXX  ). Due to this change, I believe I've been charged late fees because when I go to the website it says " Past Due Amount '' and there is a larger amount. I've looked on the website to email what's going on and there is no email contact, just a M-F number from 8am to 8pm. It's very hard to call with my job ( teacher ) and when I do after work there is no getting through. I only have {$3300.00} left on my loan and I want to end this. Having no convenient way to ask a question or find out what's going on is wrong. I've paid this loan consistently for years, consistently paid more per month and many months in advance. I don't know what's going on with Sloan Servicing and resent that I was shuffled to this company without my consist or without any options. This is wrong and bordering on criminal and a scam. Please take action!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Identity Theft XXXX  Account Number : XXXX Delete this account. 
XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX Account Number : XXXX Delete this account. 
XXXX. Validate Inaccurate/Reported Late payment XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Identity Theft XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted. 
XXXX. Validate Inaccurate/Reported Late payment XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Milestone is reporting two separate conflicting accounts on my XXXX, XXXX, and XXXX credit reports. One of the accounts is showing as in " good standing '' and " Paid or paying as agreed. '' The other account is reporting as " Paid account/was delinquent 90 days past due date. '' On XX/XX/2023, at XXXX XXXX XXXX, I called Milestone on the phone number listed on my credit reports for both Milestone accounts, ( XXXX ) XXXX. The customer service representative confirmed that XXXX is unable to verify that a second negative account exist under my SSN and name, and that the only account they have in their system for me is paid as agreed and in good standing with no missed payments. The customer service representative then tried to transfer me to their " charge off '' department whom was also unable to verify the existence of a negative account in my name using my SSN. I reiterated to the customer service representative that I have two accounts reporting on my credit reports with severely conflicting information. The customer service representative advised me to dispute the second negative account reported to my credit reports. I have disputed the negative Milestone account in the past with XXXX, XXXX, and XXXX, but XXXX has verified the information with the credit bureaus as accurate. How can XXXX possibly verify an account that they claim to have no record of? Milestone, XXXX, XXXX, and XXXX are violating my FCRA rights by reporting inaccurate financial information on my credit report, not notifying me of a negative account in my name, and failing to provide information regarding the negative information on my credit reports when I requested this information directly from XXXX. I want this account removed from my XXXX, XXXX, and XXXX credit reports immediately. I have attached a copy of my credit reports with both Milestone accounts listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$850.00}
Product: Credit reporting or other personal consumer reports

This is not a duplicate request nor filed by a 3rd party credit repair agency. I'm filing this CFPB complaint to request pursuant to FCRA 605 B ( 15 U.S. Code 1681c-2 ) that you, Experian a consumer credit agency, block information that is appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXXXXXX XXXX XXXX  ACCOUNT NUMBER XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUINT NUMBER : XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER : XXXX These accounts appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts and collections and or hard inquiries as reported. The aforementioned accounts, collections and or hard inquiries, appearing on my consumer credit report maintained by you, were not opened, made, or initiated by me. All of the aforementioned accounts ; collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity theft criminal complaint, FTC Report Number # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are a result of identity theft and fraud.
Product: Credit card

I accidentally made a payment of XXXX I meant to only pay XXXX I have sent XXXX emails requesting to have a refund. I have sent the requested documents ( voided check, transaction report showing payment to Chase bank and also a copy of my bank statement ). The payment was made via my bank bill pay online on XXXX/XXXX/16. 
I am being told that they did n't receive document by XXXX representative and then told by a different representative they received everything fine and it was forwarded for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX  XXXX Balance : {$10000.00} ; XXXX  XXXX  XXXX XXXX XXXX Balance XXXX {$9300.00} ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Dispute of Unauthorized Hard Inquiries Dear Equifax, I am writing to formally dispute the inclusion of unauthorized hard inquiries on my credit report. Specifically, the following inquiries were not authorized by me and should be removed : XXXX XXXX XXXX ( Date : XX/XX/XXXX ) I did not initiate or provide authorization for any of these inquiries. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that only accurate and verifiable information is included in a consumers credit file. Since these inquiries were not authorized, they must be deleted from my report. 

Additionally, I am aware that the Consumer Financial Protection Bureau ( CFPB ) recently took action against Equifax for failing to properly investigate consumer disputes. The CFPB found that Equifax ignored evidence submitted by consumers, failed to conduct proper investigations, and allowed inaccuracies to persist in credit reports. As part of the enforcement order, Equifax is required to comply with federal laws, including properly investigating disputes and ensuring the accuracy of consumer credit reports. 

In light of these findings and your obligations under federal law, I expect a thorough investigation into this matter. 

Please remove these unauthorized inquiries from my credit report and confirm the changes in writing. If you determine that the inquiries can not be removed, I request a detailed explanation and supporting documentation demonstrating that these inquiries were authorized. 

Failure to resolve this matter may result in further action, including filing a complaint with the CFPB or seeking legal remedies under the FCRA.

Thank you for your prompt attention to this matter. I look forward to your response within the required 30-day period. 

Sincerely, XXXX XXXX
Product: Debt collection

I called so many times ( since they refused to identify themselves when answering the phone nor wanted to spell their name for me ) employees are highly unprofessional, using extremely offensive language. 
I was given the number by hospital billing after I discovered on my credit report that some medical bill was still in hospital system. This is a scamming company. They report information to the credit bureau without contacting the person. After many attempts and MILLION of phone calls with scary techniques, i got scared and i provided my debit card information, they took around {$500.00} from my bank account with the promise to sent by mail a report to which i never received and when i tried to contact them NO ONE GIVES AN EXPLANATION or legitimate answer. 

The kind of unprofessional behavior is highly suspicious and i was a victim of their techniques to scare people over the phone.