23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I became aware of the Public Service Loan Forgiveness ( PSLF ) program around XXXX. At that time, I contacted my loan servicer, XXXX XXXX ( then to become Navient ) and asked the service representative if I could be placed on the right type of payment plan to qualify for PSLF. I was assured that yes, I was on the right type of payment plan. 

Through the following years, I had various phone interactions with XXXXXXXX XXXX/Navient customer service representatives. Each time I asked if I was on the right type of payment plan, and each time, these different representatives assured me that, yes, I was. Around XX/XX/XXXX, I submitted my first Employment Certification form. I have been working for a XXXX XXXX XXXX since XX/XX/XXXX. Upon review, it was determined that my work qualified for the PSLF program, and my loans were transferred from Navient to XXXX XXXX. Upon additional review, XXXX informed me that of all the payments I had made over the years, only 13 payments were considered qualified for PSLF. 

Apparently, I had been under the false assumption, due to false information, that my payments should have been qualified starting around XXXX. This means that while I thought I was on the right plan, I ultimately was not, and about 3 or 4 years worth of potential payments toward PSLF were essentially lost to me. 

In an effort to research the problem and hopefully correct any potential mistakes, I then contacted Navient. Navient confirmed I had only 13 qualifying payments. I asked them how on earth was that possible, as I expected accurate information from their customer representatives. After much discussion, Navient ultimately accepted no responsibility nor offered any avenue for recourse. I asked Navient for a hardcopy of all of my payment history to be mailed to me so that I could review it myself. They agreed. It 's now a good 8-9 months later, and I never received this information. I wish I had documented these interactions in a more meticulous manner, but I 've had dozens and dozens over the years of normal business with this servicer. This is further complicated by the shift from XXXX XXXX to Navient. Quite frankly, it is impossible to even investigate what information might have been lost in that transition. 

I feel like it 's unacceptable to expect regular every-day customers to have the file-keeping, documentation, and advocacy skills of a trial lawyer. I also feel it 's a reasonable expectation that Navient customer service representatives be properly trained, provide accurate information to their customers, and spend sufficient time with customers to understand all the options. The consequences of that failure are somehow placed solely on the shoulders of the customer. Now that my direct loans are being handled by XXXX XXXX, I 'm genuinely curious what options for recourse even exist from XXXXXXXX XXXX/Navient.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX on my credit report says I owe XXXX for a car. I've not had any vehicles that cost the original loan amount of XXXX.I think someone has bought a car with my information because this isn't right. Last car I had was a XXXX XXXX XXXX  for XXXX this definitely isn't it. Please help me fix this. Thank you
Product: Checking or savings account

CashApp allowed a merchant to obtain funds and not complete the service. CashApp then lied on the bank dispute and said that I, the consumer, received goods/services in full, which is a lie. I provided them with documentation showing the seller never responded after the company received a payment. I have contacted CashApp several times, and all they do is send automated responses. I have the proof, and it is unjustifiable for CashApp not to refund my money and lie.
Product: Checking or savings account

They are charging me overdraft fees if there isn't enough funds in your account. 
If a company request a payment and the payments not covered Navy Federal Credit Union will charge an overdraft fee.
Product: Credit reporting or other personal consumer reports

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

Account Information : Creditor Name : XXXX CARD Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$3400.00} I have previously disputed the accuracy of this charge off account withTRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit card

In the fall of XXXX, I lost my XXXX  so on XX/XX/XXXX I ordered refurbished XXXX XXXX  XXXX XXXX  on the Best Buy website, using my Best Buy Citi card to complete the purchase. I was not satisfied with the condition they came in so the day after I received them, XX/XX/XXXX, I went into the Best Buy near me and exchanged the refurbished headphones for brand new XXXX XXXX XXXXXXXX XXXX. I owed a balance of {$33.00} for the difference in price of which I paid for using a mastercard ( not my best buy citi card ). I found my XXXX  a month later and went into the same Best Buy store near me, on XX/XX/XXXX, and asked them to return the headphones. This was past their return window of 14 days however, they made an exception and returned the product. On XX/XX/XXXX I received a refund of {$33.00} to my XXXX but I have not received the refund of {$160.00} that I am owed to my Best Buy Citi card. 

I have opened at least XXXX disputes with Citi card and on the most recent dispute, I submitted a letter similar to this XXXX and included attachments of the XXXX receipts involved as well as screenshots of my call log to show that I did contact the best buy store that this took place as well as a screenshot of a voicemail transcription from a best buy employee confirming that they contacted their higher up department and a credit was sent to my citi card. I also included bank statements of my Citi card showing that no credit was given for the product that was returned. 

Every dispute I submitted to Citi has been denied including the most recent one with all of the proof I provided to them. My most recent call with them took place on XX/XX/XXXX after I learned that my dispute was denied, I asked for the call to be escalated and was told there was no one else I could speak to, the woman on the phone told me they would send the dispute department a letter asking them to look at all the documentation I sent to them to which I asked her if they did not look at the paperwork in the first place. I have not received any contact or letters with an update. 

I have called Best Buy Citi bank on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Violation of the Fair Credit Reporting Act ( XXXX ) Your company denied my claims of fraud for a negative account and verified the account is reporting accurately. My claims were not reported in error, and you are violating my rights has a federally protected consumer. 

It is against the law to report any information that is not PROVEN as accurate. You are required to provide evidence of your allegations to deny my request associated with the account below : PLEASE REMOVE THE FOLLOWING ACCOUNTS REPORTING THAT SHOULD BE EXCLUDED THATCONTAINS TRANSACTIONS EXPERIENCES PER VIOLATION 15 U.S.C. 1681 ( a ) ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal financial information was obtained without my permission which qualifies as identity theft. Thus, a violation pursuant to 15 USC 1681c-2. Block of information resulting from identity theft. 

Enclosed : 1. FTC Report 2. Copy of Driver License
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received a notification XXXX XXXXXXXX XXXX XXXX   reported to TransUnion my credit card account was above the credit limit decreasing my score XXXX points. When contacting XXXX XXXX XXXX XXXX the call again is routed outside of the United States which the agent was unable to resolve. Balance is below credit line
Product: Credit reporting or other personal consumer reports

In early XXXXXXXX XXXX XXXXXXXX, I was stricken with XXXX, I was hospitalized and put on a ventilator and almost lost my life. During this troubling time I was late on my payment to XXXX XXXX XXXX Balance : {$0.00} Under the CARES Act, if credit bureaus had an agreement with your lender or creditor to defer payments, enter forbearance, or make partial payments due to the COVID-19 pandemic, your account was generally protected from being reported as delinquent. Specifically, for late payments, the CARES Act required that account must be reported as current if they were current before the agreement was made, even if payments were deferred or reduced. This protection was effective from XX/XX/XXXX, and lasted until 120 days after the national emergency concerning COVID-19 was terminated. The emergency declaration was officially terminated on XX/XX/XXXX, which means the protections would have lasted until XX/XX/XXXX. If your lender did not honor this, credit bureau may have grounds to dispute the late payment. The account was late on XXXX when I was ill with XXXX. This account should not be delinquent. The payment history and the status of this account is inaccurate. This account should not be late pursuant to CARES ACT. Thoroughly investigate and update with lawful accuracy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Date : XX/XX/year> XXXX Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Bankruptcy Entry on My Credit Report Dear Experian XXXX Department : I am writing to formally dispute a bankruptcy entry that appears on my credit report. According to XXXX U.S.C. XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including bankruptcy filings, must be removed from a credit report after a specific period of time. The presence of an outdated or inaccurately reported bankruptcy entry violates my rights under federal law. 

The bankruptcy in question has either surpassed the legally allowed reporting period or is inaccurately reported. I request that you investigate and, if necessary, remove this bankruptcy entry from my credit report to comply with the provisions of XXXX U.S.C. XXXX ( a ). 

Under this section of the FCRA, consumer reporting agencies are prohibited from reporting bankruptcy cases that are older than : XXXX years from the date of filing for XXXX  XXXX bankruptcies. 
XXXX  years from the date of discharge for XXXX XXXX bankruptcies. 
The presence of this bankruptcy on my credit report is damaging to my creditworthiness. If it can not be verified or if it exceeds the permissible reporting period, I request that it be promptly removed. 

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX U.S.C. XXXX ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Bankruptcy cases under XXXX XXXX must be removed from the credit report after XXXX years from the date of filing. 
Bankruptcy cases under XXXX XXXXXXXX must be removed after XXXX years from the date of discharge. 
Other adverse information, such as charge-offs and collections, must generally be removed after XXXX years from the date of the original delinquency. 
The law ensures that outdated and damaging information does not remain on a consumer 's credit report indefinitely, protecting consumers from undue harm to their creditworthiness.
Product: Credit card or prepaid card

I XXXX XXXX is submitting this complaint without influence. Please see attached documents resolution,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent investigation requests to the 3 credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not. They have even ignored the follow-up letters I mailed last week.
Product: Mortgage

On XX/XX/XXXX, I had paid off my mortgage at a local branch of the servicer of the loan XXXX XXXX where I held a {$100000.00} money market account and paid XXXX to pay off the mortgage. The original lender was XXXX XXXX XXXX. In XX/XX/XXXX Wells Fargo called me to inform me I was in default on my loan and said they had purchased it from XXXX  XXXX. To make a long story short I was not able to resolve the problem to prove the pay off and for several years I paid Wells Fargo between 40-50,000.00 dollars in payments and they foreclosed in XX/XX/XXXX on a mortgage they did not own. I also had a checking account that they seized for a debt that I owed them 10 years prior. Then 6 years later I was returned the {$7500.00} they seized by the Nevada State Treasurer as unclaimed property.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I friended XXXX XXXX on XXXX. I now believe that this is a fake profile. We began messaging and a few days later was told about investing in XXXX, that it had a high percentage of return. I started off by wire transferring {$2000.00} from my bank into XXXX. Through messaging this person walked me through how to transfer the money from XXXX to XXXX wallet and purchase XXXX or XXXX, and then deposit that money into a site called XXXX XXXX. I now know that XXXX XXXX is a scam website, at first it originated from openrarit.com and now XXXX XXXX XXXX. At first I was able to withdraw some money from the account. On XX/XX/23 I was offered {$50000.00} by the site to put into my account for 10 days to help make more money and a higher percentage of return. The site messaged me and said the {$50000.00} must be paid back in 10 days or my account would be suspended, that the money could not be taken back from the account. On XX/XX/23 I wire transferred {$52000.00} from my bank branch at Chase with a teller. The site messaged me and let me know they had received the deposit. I then tried to withdraw the money back out and was told that my account exceeded {$80000.00} and that I would need to deposit {$30000.00} to open a vip withdrawal channel to be able to withdraw funds. On XX/XX/23 I wire transferred {$32000.00} from my bank branch at Chase with a teller. I was then messaged from the site and was told in response to the US tax authorities I would need to pay {$22000.00}. This is when I was absolutely sure this was a scam. I have screenshots on my phone of the process of the money being wire transferred to XXXX then to XXXX wallet and then to makersplace pro. I also believe Chase Bank should have questioned me or warned me about doing a wire transfer for such large amounts of money but they never said anything to me. I have made a report of this to Chase Bank, the FTC, the FBI and the XXXX XXXX police office. I still have an open line of communication with the person the scammed me, their profile is still on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 



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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX ACCOUNT # : XXXX PORTFOLIO RECOVERY ASSOCIATES IS IN VIOALATION OF INVADING MY PRIVACY, THEY HAVE MY INFORMATION AND I NEVER DID BUSINESS NOR SIGN A CONTRACT WITH THEM.

AND CREDIT REPORT IS IN FULL VIOLATION 1. ACCOUNT ACTING AS A CHARGE OFF & COLLECTIONS AT SAME TIME 2. WRONG DATE OPEN & NO CLOSED DATE 3. PAYMENT HISTORY, ACTIVITY STILL OCCURING EACH MONTH AFTER ACCOUNT CLOSED
Product: Debt collection

I got a local number calling me saying they are representing a company asking me confidential information about me saying they was a particular agency and when I called back they were not the agency they claimed to be making false and misleading information in order to get confidential information about a person this company is misrepresenting themselves as if they are an agency but when you call back they answer the phone as another agency committing deceptive tactics to get information they do not have they are using deceptive tactics in order to get confidential information about the consumer