23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loans, for studies at XXXX XXXX XXXX, entered the repayment period 3 months ago, however, I am unable to make the payments. I notified Navient through their Customer Advocacy division ( XXXX ) and they are well aware of my difficulties, having submitted to them a full financial worksheet detailing my inability to make payments on private loans. I gave them this information 7 months ago so that we could work out a payment plan that would prevent me from missing payments. 

Despite knowing of these issues well before my students loans entered their repayment period, I have not received a payment plan adjusted for my income and costs of living. In the last 3 months, I have sent multiple e-mails to Navient but have not received offers of alternate payment options. In the meantime, my credit is suffering since I am unable to make the requested payments ( of XXXX $ /month ). 

My complaint is simple : I am displeased with their failure to communicate within a reasonable time frame. For every XXXX I send to Navient over a 2 week period, I receive only 1 message in return, despite the urgency. That is, while I hope we can work together to agree on a repayment plan, my credit is suffering due to miss payments. 

I propose all future communications with Navient become restricted to the CFPB platform so that our discussion is monitored by a trusted third-party. From these discussions, I hope we can agree upon a fair payment plan.
Product: Checking or savings account

I opened an Account with HSBC Bank on XX/XX/2021 with {$10.00}. a Few days later I was advised by them that they were closing my account. They have not provided a reason why and they still to this date will not release my funds to me. I have made multiple attempts to contact them. They say go to a branch but I am over a 900 miles from the closest branch.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. 
XXXX HAS This account is incorrectly reporting that I have 32 late payments. On my XXXX report there are 12 late payments being reported. 

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this in accurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about the bad experience I had at the XXXX XXXX XXXX  Dealership located at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX ; On XX/XX/2018. 


While at work, I received a credit monitoring alert that my credit was ran at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX location around XXXX XXXX XXXX XXXX XXXX. I notified the salesman of this error and he ask the Manger, XXXX if this was done. She said yes, and they would correct it. However, I would have not known of this egregious error if I have not been alerted. I call the dealership requesting an at fault letter : XXXX, dealership manager on duty said that one would be sent, but never received. That was on XX/XX/2018. Thats really concerning. She violated the Federal Fair Credit Report Act, by running my credit without my permission. They were very unconcerned with trying to correct this very important and urgent issue. 

Second complaint with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX. My wife and I purchased two vehicles, one in XXXX and the other in XXXX. The vehicle purchased in XXXX, according to XXXX XXXX, they never received the payoff from XXXX. Because of this, my wife and I credit have been affected. Were both employees of the Federal government and maintaining good credit is a must due to our security clearances. We have worked with a different manager at the dealership, which has been more helpful than the last. My wife and I are seeking punitive damages for these reprehensible acts. I have buyer remorse. This has taken a lot out of my already busy schedule to address this. 


Since we were recommended by a friend who said that XXXX XXXX XXXX always had a good reputation, thought youd like to know you just lost a potential customer because of these poor business practices.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a hard inquiry on my credit report that was conducted without my authorization. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit consent, which I did not provide in this instance.
Product: Credit reporting

XXXX # XXXX {$620.00} ... .i have contacted this collection agency and they can not verify this account as mine but it comes back as verified with transunion ... ... method of verification is wrong when i disputed this account ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXXXXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX  Account # 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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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
Product: Money transfer, virtual currency, or money service

Between XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my BOA account to fraudulent investment firms.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021. {$7600.00}. I have requested XXXX XXXX XXXX  to update the account as I no longer owe them and have a XXXX  balance. the account is reporting that it is in collection and and I have a outstanding past due balance which I dont have with them because we have come to a settlement and I now owned the vehicle. Theyre reporting a closed paid account as in collection and negatively hurt my credit and so I cant get approve for loans. I have also disputed this to the credit Bureaus and they told me to contact XXXX XXXX XXXX, then XXXXXXXX XXXX XXXX telling me to go back to the bureau. They are double reporting a account that is paid as in collection with a balance
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XX/XX/2022, I sent a letter requesting investigation and removal of several accounts reporting on my credit that have incorrect opening dates, last payment dates and missing full account numbers. These accounts have not been removed OR updated. They still remain on my credit report, negatively affecting my credit file. It has been over 60 days and I have received no response or updates from the credit reporting agency
Product: Credit card

While I have been in the process of getting qualified to purchase my home, an account was brought to my attention by a XXXX XXXX that was showing on my credit report. 

The account was added in XXXXXXXX XXXX XXXX without my knowledge or consent. In fact, the individual who added me as an XXXX XXXX onto this account has received XXXX XXXX requesting the exact opposite. In fact, I have recently initiated XXXX XXXX  against the individual for other reasons. 

The company, Elan Financial Services, was contacted by me on XXXX  XX/XX/XXXX. I requested access to be able to view the account XXXX through XXXX XXXX and the representative would not give me access. I am not sure why I was unable to receive this access upon review of the full policy and terms of agreement for the XXXX XXXX XXXX, I should have been able to request access or information. 

This has been taxing my report heavily, showing I am XXXX XXXXXXXX in debt that is not mine. Please expedite and investigate this matter to the fullest extent.
Product: Debt collection

The false representation and/or implication by the " Wakefield & Associates, Inc. '', a Collection Agency, caused me to lose any claim or defense to payment of the debt including questionable interests.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Complaint about lack of credit reporting : Approximately around XX/XX/XXXX, I noticed on my XXXX app, my Capital One Credit Card information had been deleted from my XXXX Credit Report. 
Both XXXX and XXXX continue to reflect the Capital One Credit Card Account which has perfect payment history. Please dont confuse the credit card with my Capital One Car Loan. 

I have been treated like a ping-pong ball between Capital One and XXXX for more than 5 months. They both blame the other for the error. I have been told month after month by Capital One the account will be restored to my XXXX file. Only to find, after the first of each month, there has been no change. Absolutely unacceptable! 

I request my Capital One CC history be restored to my XXXX report immediately, as I am applying for a mortgage in the VERY near term and want the best credit score possible. 

This needs to be correct in time to reflect on my XX/XX/XXXX report. If a MANUAL CORRECTION is necessary so be it. My 3 credit reports as of XX/XX/XXXX are attached. 

My next step is to file a lawsuit. Ive been more than tolerant of the idiocy. 

Thank you. 

XXXX XXXX XXXX
Product: Student loan

I have had my debt discharged in Bankruptcy back in 2014 and Navient has continued to collect. I saw that a lawsuit was settled to discharge my 2 private loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bill from XXXX XXXX XXXX Hospital ( XXXX ) in XXXX AL after an accident that was deemed no fault of mine ; but, I paid the bill which was {$150.00} for ER care. I have the cashed check from XXXX, and I even sent them a copy, to no avail. I contacted the credit bureaus, and sent them a copy of the cashed check. The date of the bill was XX/XX/XXXX and the hospital cashed my check in XX/XX/XXXX. My bills were subrogated and this bill was paid again. When the credit bureaus investigated, they found the bill had been paid and the bill collector company wrote a letter to the credit bureau stating the bill had been paid by insurance and would be removed from my credit report. To this day, the bill is still on my credit report, and it has been months. The hospital was XXXX, but it is now XXXX XXXX  Hospital and the collection company is Smith and Rouchon. I have a copy of my canceled check and the letter from the collection company about the bill being paid, but nothing has changed ; the bill is still hurting my credit.
Product: Debt collection

BAnk of America Credit Card Debt in amount of {$6100.00} Please Delete Debt I've the right to recession I also have the right to privacy this debt was sold to multiple companies and my information was shared without my consent. 

I never received a recession form I've the right to recession and it wasn't disclosed of the consumer credit transaction. Under 15 usc 1635 Under truth and lending disclosure We know for those that have been here for some time you guys are fairly new the finance charge is the sum of all charges some of them are charges me the total payments I need the total amount of all charges but granted they're still looking to continue to make month payments on something that's already been financed by someone that's already getting credited that's why we talk about the lending misuse of one 's credit and that's why they talk about that you know let 's see it is the purpose of the subject to assure a meaningful disclosure of credit terms so that the consumer will need to prepare more revenue various credits and avoid the uninformed use of credit by why are we talking about avoiding the uninformed use of credit because on the use of our credit we would understand that we are the creditor do every single transaction with these that collectors and financial institution as one from and the rights therefore extend credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm being billed for charges on a Chase card that had been locked and inactive at the time of charges when I called Chase the people on the phone could barely speak English.
Product: Credit reporting or other personal consumer reports

The credit inquiry listed below are unauthorized and I have attempted multiple times to contact these companies directly to have them remove and haven't received a response. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My lender will not provide a monthly bill. I am ahead on my payments, therefore my account is in a prepaid status, therefore ACS does n't send out bills while interest accrues on the account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  sold my account to XXXXXXXX XXXX  When my account was sold XXXX provided the wrong information - the wrong address, phone number, email, everything. They also disabled my login, and left me unable to authenticate myself ( can't if I dont have account number or matching information ). I was unable to register a new login because my information did not match ( I live in Texas, the address was a new york corporate address for a corporation I do not work for and never did ).

This negligent act meant the company would not allow me to make payments and it took several months to correct this issue. By the time it had corrected they marked me with a 30, 60, and 90, 120, and 150 day late payment on my credit report. While the account is current now they intentionally and maliciously sabotaged my credit score. Then to add salt to the wounds they slashed my credit limit based on the low score they caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  XXXX Account XXXX XXXX, XXXX  XXXX Account XXXX XXXX, and XXXX XXXX XXXX  XXXX  Account XXXX XXXX have 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 an account without my written instructions.
Product: Credit card or prepaid card

On XX/XX/2020, filed a fraud claim with Synchrony/CareCredit against XXXX  XXXX doing business under the name, XXXX  XXXX XXXX XXXX ( attached ). Asked for accumulated charges, billed by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, in the amount of {$960.00} be refunded due to fraudulently billing and advertising for a weight loss program that offered weight loss monitoring, supervised medical health assessments and phentermine, a powerful weight loss medication approved by FDA. In letter provided by CareCredit, sent on XX/XX/2020, outlining the conclusion of its investigation, investigators acting on behalf of Synchrony/CareCredit determined that I am responsible for fraudulent service charges ( attached ). However, I disagree with the findings and the scoop of the investigation. The Fair Credit Billing Act ( FCBA ) states it was my responsibility to dispute billing error charges within 60 days of appearing on my CareCredit charge account statement. Synchrony/CareCredit investigators concluded that a doctor providing and billing nearly {$1000.00} for incomplete/fake assessment and issuing counterfeit prescriptions as a billing errors. I disagree with the findings and the scoop of the investigation. Therefore, in addition to charges billed by XXXX  XXXX XXXX XXXX, I amend my complaint to include a formal complaint against Synchrony/CareCredit for disregarding FCBA ( attached ). I have resubmitted my complaint to Synchrony/CareCredit. As continue to dispute charges in the amount of {$960.00}, I ask that CareCredit provide proof used to reject my claim and CFPB to investigate Synchrony/validity refusal to refund all charges billed XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and their respective creditors are in direct violations of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX XXXXREVVI Account No. : XXXX Below are the following US Code violations these entities have committed.

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion. XXXX XXXX/REVVI ( Vervent Inc. ) and XXXX have continued to report this fraudulent account to my credit report after confirming with me it would be removed ; regardless of the documentation supplied confirming the account is indeed a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is ridiculous I can never access my account online with Equifax, but they send tons of emails to sign up for their paid membership.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XX/XX/year> XXXX required by XXXX XXXX XXXXXXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I'm in the process of buying a home and I realized I had damages on my credit report. According to the 15 U.S. Code 1681 their should not be any damages on my credit report its a defamation to my character.
Product: Checking or savings account

My husband and I established new accounts with Navy federal Credit Union. We explained during the opening of accounts, we wanted to bring our XXXX XXXX XXXX XXXX to them as well. They explained to us that we had to establish personal first and someone from the business department will reach out to us. However, I received payments from my clients for services rendered from direct deposit from the IRS into our personal account while we await the opening of our business account. We notified customer service of the large transaction deposits upcoming before deposits hit and the rep reached out to the business department and explained the urgency of the openings of the accounts. When deposits hit, they froze all our personal accounts and my general manager account as well because her account was utilized in transfers. We spoke to the security team and they requested for affidavits, driver licenses and signatures from our clients authorizing their deposits into our account. We provided that information which was told to us that it should only be a 7-10 day process to review. It has now been two weeks and was told by the representative on XX/XX/23 that no time frame can be given to us for our funds to be released.
Product: Credit card

My wife and I recently signed up for the US Bank XXXX XXXX credit card. The credit card is suppose to come with a XXXX night free award night after paying the {$75.00} annual fee. Well, 1 month after paying my annual fee on my card and my wife 's card XXXX XXXX ended the XXXX night free award without any notice at all. They are not honoring the terms that we signed up for! I am supposed to get XXXX night free with the card per agreement after paying the {$75.00} fee. The agreement we signed up for clearly says that XXXX night free award after paying the {$75.00} annual fee. They have to live up to their terms & conditions here!