23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient problem. A serious problem. My daughter is a college grad with high debt making payoffs on loans. Navient fights the payoff of loans. What they did today is so egregious that we need your attention. Years ago ( 3+ ) my daughter paid off a loan we used my checking account and routing for a ONE TIME use. Today, I went to my checking account and Navient without my knowledge nor consent took {$1800.00} from my checking ( parent not co-signer ). I called my daughter immediately. She was as shocked as we were. She shared that she tried to payoff a very large loan this week and Navient simply refused her payment! They just mailed back her check w/o explanation. She called Navient asked for a Supervisor, gets the " I'll handle it '' conversation then they used my checking account! Now, my checking account is harmed ; I'll be in overdraft and, my daughter 's loan stays in accrual.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I paid my loan with USAA in full. I waited 7 to 10 days for it to show on my credit report. It had not, so I filed a dispute with XXXX  and XXXX. USAA came back saying the credit report was correct and dispute was not valid. So I waited a few days and submitted another dispute with XXXX, once again the same response from USAA. So I filed yet another dispute and attached the document below, which is from USAA clearly stating the account is paid in full. They once again come back on the XXXX of XX/XX/2021 stating the dispute is invalid, account is open and balance is correct. I have made numerous calls to both XXXX  and USAA and have gotten the run around over and over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold a vehicle to a young couple in Tennessee. When I requested the payoff amount from XXXX XXXX I was informed that the amount given would bring my account CURRENT and paid in FULL, as it was about 30 days behind due to me loosing my employment at the time. The couple had their bank, XXXX XXXX XXXX XXXX, mail a check to XXXX to transfer ownership of the vehicle. The check arrived on the XXXX of the month which is when my account due date was. 

XXXX LOST the check and the XXXX XXXX had to reissue another check to pay off the vehicle. That process took about 10 days before they were able to reissue the check to make sure that it was not in process of being cashed. By time the payment posted, it was the XXXX. 

Upon closing the account out XXXX changed the status of my account to no " more than 30 days late '' after I had to file a dispute with XXXX, Experian and XXXX  to get them to close the account out because for 60 days they were still reporting that the account was closed with a balance due! 

How can a vehicle be paid off and the pay off amount does not include any prior amounts due? It does not make any sense. If the amount was incorrect, they how can the account be closed out and it is not current? What is icing on the cake is that there was a credit on the account and a check for the balance was supposed to be mailed. I do not recall ever receiving those funds either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. I want to dispute fraudulent items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates that we eliminate any erroneous accounts from my credit report. Can you verify the documents? Several accounts listed have incorrect reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX To whom it may concern : I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX, XXXX, XXXX XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX, XXXX, XXXX  XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate. 
I look forward to your written response confirming your compliance on this matter as well as an updated credit report. 
Sincerely XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

Never received documentation from collection agency. I received correspondence from hospital in which I filed a written dispute of and also contacted insurance company. Insurance company advised XXXX  entered wrong billing code and should resubmit. Never received any additional correspondence from either the XXXX  nor any 3rd party. This item posted to credit profile out of nowhere Contacted collection agency they stated they had no record of my name or social in their database. Turns out its under my XXXX XXXX XXXX daughter. I gave them a cease and desist and advised of the circumstance also further advised I have received XXXX communications advising of collection efforts after my dispute and provided call logs where I contacted them and was advised they have no record of me
Product: Payday loan, title loan, personal loan, or advance loan

I keep being told that the payment amount will be different every month. No explanation as to why. I took out a {$650.00} loan on XX/XX/2023. As of this date XX/XX/2023, I have paid Cashnet {$920.00}. They say I still owe over {$500.00}. I am XXXX years old and having a hard time understanding how I can possibly still owe so much and don't understand how they can keep changing my payment amount. Please help.
Product: Credit card

I continue to get statements from spirit credit card which FAIL TO BREAK OUT BALANCE TRANSFER. So I get a demand for payment but it does not say, this portion you will owe on XX/XX/XXXX or it will suddenly jump up from XXXX percent interest to 18.9 % .. 
THIS PORTION YOU OWE FOR CURRENT CHARGES. As an elderly person I believe this is confusing and needs clarification. And if it takes some regulations promulgated by your department to get it done so be it. 
When I called on XXXX/XXXX/XXXX to ask a Spirit representative how much is in the balance transfer suspense, she suddenly said I owe {$4000.00} when i have been receiving monthly statements for less than 1/2 of that amount as a total amount due and I never transferred more than {$2000.00}. 
then I asked her specifically what amount do I have in a suspended balance transfer account that she said is due XXXX XXXX. When she started reading me a cue card about the rate, I POLITELY asked for a supervisor. Having supervised a nationwide credit agency I know most of the tricks if they get mad or you happen to ask for a supervisor. Well the young woman said she would put a supervisor on the telephone. Instead, my phone began to loudly ring, like a phone ringing. It continued for several minutes without anyone answering the phone and of course after ten minutes or so I realized that no one was going to answer a reverse phone ring. 
So I have a XXXX part complaint. 1st, failure to divide the billing between current and suspended balance transfer, so I know how much I need to pay and when I need to pay it. It should come in monthly on my statement. And attempts to find out should not result in the " treatment. '' 2. Fraud on the part of the creditor when asking politely to speak to a manager, I got the " treatment. '' I would like CFPB to require Spirit to provide the letters they send out which should be on the monthly statement highlighting the balance transfer information a consumer receives. 
Next I would like the CFPB to review the SOP Next I would like the CFPB to review the recordings that Spirit claims its representatives are taping when on a call to myself, to see how often the call results in the " treatment. '' As former XXXX XXXX XXXX for XXXX XXXX, XXXX Texas I can tell you I personally witnessed and overheard people who the collector did not want to talk to get an extension rattled loudly in a trash can. Was I disturbed by it. Yes, yes I was. 
While Spirit ; s response is tamer, it is unacceptable. The woman merely needed to tell me that I had XXXX in suspense transfer account that had to be paid on or before a date certain in XX/XX/XXXX. She failed and refused to do so. 
Perhaps your department can remind this credit provider that it can do better. 
Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

I am currently in the process of applying for Teacher Loan Forgiveness and my loan should have been processed or forgiven under the guidelines of the federal student loan forgiveness program. Despite meeting the necessary qualifications, the loan has not been properly removed or updated to reflect this status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
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 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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. 

I've asked for the companies to investigate the information and have received no response.
Product: Credit card or prepaid card

I purchased a {$100.00} gift card from Visa in  XXXX  of  2016 . In  XXXX  of  2016  I return some products to  XXXX  and used this card. This made the balance of credit on the card to {$130.00}. Now I 'm unable to use the card. After talking to  Visa  they said the card was not valid now because the card was only for {$100.00} and now shows credit of {$130.00}. They said the only way I can activate or use the card if I send them a receipt of my return to  XXXX . I do not have this receipt. So there is no way I can get my {$130.00} from Visa.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I looked into my credit report around XX/XX/18. I saw that my credit report had a XXXX credit card. I never signed up for one. So I disputed it on XXXX. They said that it was accurate. I called the home depot and they said that there is a credit card with my social sercurity number on it but they can not discuss it with me since my name isnt on the card. I disputed it again with XXXX and they are still saying that it is accurate. The has good history but its XXXX dollars limit. I would like to have the card removed from my report. ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never paid late in XX/XX/XXXX and XX/XX/XXXX on my XXXX XXXXXXXX XXXX However there are multiple inaccuracies when I recently checked my credit reports across all XXXX  bureaus. On my most recent TransUnion credit report, it states that I was late in XX/XX/XXXX and XX/XX/XXXX. It also states my status as current and paid as agreed. It does not state that i was past due nor have I ever paid late on those XXXX. It also states that my most recent payment was XX/XX/XXXX. On my most recent XXXX credit report, it states that I am current but also states that I was late on XX/XX/XXXX and XX/XX/XXXX. Then on my most recent XXXX report, it shows that I was on time in XX/XX/XXXX but XXXX XXXX late in XX/XX/XXXX. How can I be XXXX XXXX late on XXXX credit reports and current on another credit report. How can I be current on XXXX credit report yet the next month is XXXX XXXX XXXX when there is no evidence of being XXXX XXXX late. How can I be current and past due on the same report? Please explain to me where you are getting this information from as these are all inaccuracies on my credit file for this XXXX XXXX account. As the credit bureau reporting this information, it is your responsibility to ensure maximum possible accuracy, which you have not. I have a right to fair and accurate credit as protected by the FCRA and you have violated my rights by continuing to report blatant inaccuracies across my credit files.
Product: Mortgage

Last week I checked my account and it shows that the foreclosure is on hold, I then checked the foreclosure website for our local area and it shows I am in active foreclosure. 
I called in to the lender and they said that I am on hold because we are working on the loan modification process and that I have to submit only two documents before XX/XX/year>. I submitted the documents they asked for on Saturday and now I called today and they said that they need one more document. Why can they tell me that they only need 2 documents then say they need another one after the expiration date and I put everything on pause to get this completed?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX ACCT # XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # 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, 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-XXXX ( 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. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Mortgage

I had overpaid the XX/XX/XXXX Mortgage. The amount could cover the XXXX plus {$2000.00} principal ( paid on XX/XX/XXXX ) and XXXX ( paid on XX/XX/XXXX ). However the late fee {$140.00} kept on the balance. I had called five times and communicated with Mr. Cooper to resolve this mistake. The mistake still happened and the {$140.00} was deducted from the additional paid principal {$2000.00} and it became {$1800.00}. I want to complain about this mortgage company being not able to correct this mistake and this issue happening is not fair to the customer.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion due to their failure to properly investigate an inaccurate bankruptcy record on my credit report. I provided documentation from XXXX, showing they receive bankruptcy data directly from TransUnion as a reseller, not as an independent source from the court. Despite this evidence, TransUnion has kept the inaccurate bankruptcy record on my report without a complete and clear verification process. 

I requested a full method of verification, as outlined under the Fair Credit Reporting Act ( FCRA ), which requires TransUnion to provide specific information about how the bankruptcy was verified, including the name and contact information of the verifier and details about the verification process. TransUnion has not provided this information, which I believe constitutes a lack of compliance with FCRA guidelines and raises concerns about the accuracy of my credit report. 

In addition to disputing the bankruptcy record, I am requesting that an outdated address be removed from my report, as it no longer reflects my current residence. I have provided documentation to verify my current address, but TransUnion has not responded appropriately to my request. 

I am seeking CFPB assistance to ensure that TransUnion complies with FCRA requirements by properly investigating my dispute and providing a transparent response.