23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX I got a student loan for {$13000.00}. I now owe {$75000.00}. This is due to forbearance and deferment options offered to me over the past 20 years. I now receive XXXX XXXX payments. I was deemed XXXX 6 years ago with my reevaluation next year. I called Navient yesterday to find out why there were no interest charges on my account only late charges. He tried to explain to me that capitalized interest was the late fees and these were applied to the principle or something to that effect. I applied for an income-driven repayment plan which was not accepted because my husband did not sign the form. They told me I had to resubmit with his signature. I refuse to do this as him signing papers on my loan would legally make him responsible for the loan. We were not married at the time of this loan and were only married 7 years ago. When I explained this to Navient they said that he would not be responsible for the loan legally but to apply for an income-driven repayment plan we had to count the total household income. That's pretty shady to me. A loophole I suppose. I have applied for a permanent and total XXXX discharge as I have COPD which is terminal. My physician will not sign off on the papers as he says that it states my condition will result in death within one year. I am only in the early stages as of now. I have submitted documentation of my illness in the form of medical records from my doctor but they were not accepted. Navient also explained that if I am on XXXX XXXX and it is expected to last 7 years or more, I am eligible for permanent and total XXXX discharge but must get a letter from XXXX XXXX XXXX stating such. I do have a letter from the XXXX XXXX XXXX stating that they will reevaluate every 3 years. However the 3 year Mark has gone and I am coming up on 7 years. I have tried on numerous occasions to compromise with navient but to no avail. Had I known this loan was going to be outrageously difficult to pay, I never would have considered a loan. The principal on this loan is {$73000.00}, interest {$610.00}, {$1200.00} in late fees and total payment due is {$1800.00} on XX/XX/XXXX. They seriously expect me to come up up with this amount of money. Our monthly income is barely over that. To my knowledge, income-driven repayment plan was only a recent thing. I was never told about this during the time of this loan and was always offered forbearance or deferment options. How can they get away with this? What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$17000.00} XXXX/XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$990.00} XXXX/XXXX  XXXX {$3100.00} XXXX XXXX {$3100.00} XXXX XXXX {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working to re-instate my student loan payments since XX/XX/XXXX because in order to qualify for a mortgage loan, my credit report needs to show my actual payments under the income-based repayment plan versus a XXXX  balance that was implemented with the COVID forbearance. I did get my payment plan re-instated in XX/XX/XXXX and made both XXXX and XX/XX/XXXX payments on-time and in full on the designated due date. My credit report has not been updated since XXXX and does not reflect my actual payment amount or the XXXX payment which should have been updated by now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal request to remove unauthorized Inquiries from my credit report. I've listed the unauthorized inquiries below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In accordance with the Fair Credit Reporting Act. I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiries outline above. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above-listed address. 

If your investigation determines the inquiry was authorized. I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation.
Product: Debt collection

I tried XXXX cell plan. After trying repeated attempts to improve service with tech help from XXXX we determined my home is in a dead zone. I canceled service on XXXX day. Then I get hit with collections. On XXXX XXXX removed this ( report # XXXX account # XXXX ) and deleted it from my credit report. It never should have been charged since I canceled XXXX service after XXXX  days of terrible service. Then it was deleted from my credit report in XX/XX/2022. Now its back again as IC SYSTEMS COLLECTIONS # XXXX for {$120.00} with about {$30.00} in fees and interest added to the amount. I have tried to get this removed, I never used the service because they couldnt provide service to me. The calls I made were all recorded for quality purposes. Ive requested copies of them several time, never get a response. 
Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Transunion and identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Transunion sent a letter stating this block was an error. It was not. Transunion has violated my consumer rights. According to 15 U.S. Code 1681i Transunion is supposed to delete the disputed items during a full and complete investigation. Transunion violated this federal law. Transunion is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Transunion to furnish anything on my consumer report. You also keep re-inserting " XXXX XXXX '' on my consumer report without the proper notification according to federal law. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Transunion for willfully and knowingly violating my consumer rights if this is not rectified within 15 days.
Product: Money transfer, virtual currency, or money service

I am a licensed firearms dealer and my customer from XXXX was wiring funds for a purchase to secure inventory while I processed an export permit with XXXX. I sent the international wire instructions from Relay Financial Technologies , Inc. that used XXXX XXXX XXXX as their payment processing institution. My customer sent the wire and sent me the wire confirmation. I then received an email from Relay asking for the nature of the wire and for additional information. I provided the information, Incvoice and a letter from XXXX XXXX XXXX that explained the transaction. About an hour later, I received an email notifying me that the transaction was unsuccessful. I then called and opened a trouble ticket with Relay and inquired as to the reason it was unsuccessful. They responded by writing to me that XXXX XXXX declined to process the payment due to internal policies and sent me a link to their site. While this was a lawful transaction, XXXX XXXX applied their internal policies to a wire transfer. This is illegal in the state of Georgia where I have offices, and the state of Wyoming where I am registered, under XXXX. XXXX and Wyoming Statutes Title 13, Article 3 discrimination by denying a service to the firearms industry. Since they are nationally chartered, they must comply with all state laws. I want you to suspend their ability to operate in the united states until they comply with state laws of Georgia and Wyoming.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a delay with a start date with my new employer, and I notified XXXX XXXX that I could not make my XX/XX/XXXX payment. I spoke to XXXX and was given the option to be placed in the Temporary Payment Program, and I agreed to pay {$100.00} for six months. He told me, to make my 1st payment by XX/XX/XXXX to avoid delinquency being reported to the credit bureaus. I received notification that I was written 30 days and spoke to XXXX on XX/XX/XXXX and was told that XXXX 's information was incorrect. The program doesn't start until I make the initial payment, completed XX/XX/XXXX. XX/XX/XXXX I received the attached electronic letter and was okay with the terms until I received the additional letters about missed payments, account closures, and most recently being reported negatively to the credit bureaus for missed payments when I have not. I spoke to someone else recently, and he was very nasty and said the reporting is correct, which it is not. I have other creditors who placed me on a similar plan and have not reported me negatively as I have paid them upon our agreement, so I'm not sure about the issue with XXXX XXXX You have people who don't know what they are doing, and I demand this issue be fixed immediately!
Product: Debt collection

This account is inaccurately and erroneously reported. I want to request for an investigation of this account. Please confirm the information shown in these collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. These accounts were already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the XXXX Credit Bureau is legally allowed to report these on my credit report. If unable to, remove the accounts immediately. ( I C SYSTEM ( XXXX XXXX XXXX ) ***** Opened date : XX/XX/2021 Balance {$1100.00} ) This company is attempting to collect on an out of statute debt. This is against the law, per the Fair Debt Collection Practices Act. Perhaps that doesnt matter to you, but it matters to me. In addition, this company has chosen to illegally add fees, clearly in noncompliance with the Fair Debt Collection Practices Act. Please provide proof that this account belongs to me along with documentation stating your FCC clearance and that you have not abrogated my rights in reporting this debt.
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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.
Product: Debt collection

I have been harassed by this company XXXX XXXX since XX/XX/XXXX and prior to this date. They have been calling my home number and cell number requesting payments be made. I am receiving statements in the mail requesting payments on a balance of {$1000.00}. They are claiming they had purchased my account that I had with XXXX XXXX. My supposively charge off date with XXXX XXXX was XX/XX/XXXX. XXXX have sent letters offering reduced payment options. This company has sent negative reports to all three credit bureaus ( XXXX, XXXX, and XXXX Credit ) with an open account date of XX/XX/XXXX. I have sent a certified letter to XXXX requesting this information be immediately deleted from my credit file and to provide me with copies of any documents associated with this account, bearing my signature with XXXX showing that I owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : It has come to my attention that continued requests for removal of items that do not belong to me are still entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. This is an immediate, eighth request for removal and blockage of incorrect information. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute every 30 days for the removal of this information. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 
Id like to know how and why your company has added credit accounts to my report that do not belong to me. 

This is a demand to remove these accounts at once! 

FRAUDULENT Accounts to be Removed IMMEDIATELY : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} Unknown Equifax Collection XXXX {$1200.00} Unknown Equifax Collection XXXX {$82.00} Unknown Equifax Collection XXXX {$130.00} Unknown Equifax Collection XXXX {$680.00} There are also a number of Inquiries that should also be removed. I did not request service or credit from them : XXXX XX/XX/XXXX XXXX XX/XX/XXXX There are also incorrect addresses listed, which I have complained about and request the immediate removal of this incorrect information XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the fraudulent information has been removed, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution. 

I look forward to hearing from you soon. 


Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Money transfer, virtual currency, or money service

On Monday, XX/XX/2021, I closed my Coinbase account because I thought my Coinbase Pro account was a completely separate account which still had $ XXXX {$1500.00} in cryptocurrency in the wallet. I went ahead to close my Coinbase account, where Coinbase did checks to make sure I had no money in the wallet before I can close it. So I got my Coinbase wallet down to {$0.00} and was able to close. There was no mention that my Coinbase Pro wallet is the same account and/or no mention or warnings to move my money out of my Coinbase Pro account. This entire time I thought it was completely separate and would have no impact to my Coinbase Pro account if I went ahead and closed my Coinbase account. I went forward with closing my Coinbase account and next thing I know, my Coinbase Pro account is also closed with my money still in the account! There is no way to ever get to speak with a live human being when things go wrong. I submitted a ticket for Help through the Coinbase website and it has been 4 days and still no response. This is a scam! Coinbase basically XXXX XXXX XXXX. I can not access my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening! 
I be receive some disturbing news from my credit information and none these accounts Are reporting positive information Im gon na excise my right under 15usc 1681 I demand that all of these accounts be update to reporting all positive information On time payments delete collections as well Accounts : XXXX XXXX XXXXopen date Change to on time payments Last report date XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX open date Chamge to on time payments Last report date XX/XX/XXXX Chamge to on time payments XXXX opendate XX/XX/XXXX Last update XX/XX/XXXX Positive on time payments XXXX XXXX  Open date XX/XX/XXXX Last report date XX/XX/XXXX On time payments XXXX open date XX/XX/XXXX Charge off delete Last update XX/XX/XXXX Thats charge off delete XXXX XXXX open date XX/XX/XXXX Closed XXXX update to on time payments I am going to Folllow up with a civil suit as well Im going to notify the attorney general as well thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Final Request for Removal of Inaccurate Late Payment Information Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXXXXXX account number XXXX. Despite multiple requests for correction, with dispute letters sent on XX/XX/XXXX and XX/XX/XXXX, TransUnion has not addressed my requests. This ongoing lack of response violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my XXXXXXXX XXXX XXXXXXXX account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has harmed my creditworthiness, causing undue hardship. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, thus preventing unfair penalties to consumers. Desired Resolution I am formally requesting the immediate removal of the inaccurate late payment notation from my credit report for this account, along with written confirmation of the correction from TransUnion. Discrepancies and Errors Across Bureaus TransUnion Payment Errors : Incorrect 30-day late payment reported in XXXX and XX/XX/XXXX. XXXX  Payment Errors : Incorrect 30-day late payment reported in XXXX and XX/XX/XXXX. XXXX Payment Errors : Has no late payments reported. Please resolve these discrepancies and remove the erroneous late payment notations across all bureaus immediately to prevent further escalation, including potential legal action and additional complaints with relevant consumer protection agencies. Sincerely, XXXX XXXX XXXX
Product: Credit card

I was approved for a credit card with a processing fee. I submitted a payment with a debit card that was declined due to a typographical error. I found the correct card and attempted to process my information within the time frame to process my fee and the company canceled my application and card without prior consent.
Product: Payday loan, title loan, or personal loan

I HAD ALOAN WITH THEM AND NEED TO FIND OUT LOAN NO. EXCESSIVE FEE AND INTEREST PAID ON THE LOAN
Product: Student loan

Previous case number from CFPB - XXXX : I received another additional research is needed response from MOHELA regarding my complaint. This is the second time they have provided a generic, non-specific answer without addressing the core issues of my complaint. 

MOHELA has a documented pattern of stalling tactics, including : Multi-hour/day long hold times, frequent disconnections, and vague responses during direct phone inquiries. 
Providing no clear timeline or specific steps being taken to resolve the delayed refund issue and administrative errors related to my PSLF eligibility. 
Failing to provide documentation or evidence of the additional research they claim to be conducting. 
I am requesting immediate action from the CFPB to demand a concrete and detailed response from MOHELA, including : A specific timeline for resolution. 
Documentation of any research or investigations they claim to be conducting. 
Clear answers regarding the status of my refund and what steps are being taken to address the administrative issues impacting my PSLF progress. 
MOHELAs continued delays are unacceptable, and I am asking the CFPB to intervene to ensure my case is not unjustly stalled.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX THis account has re-appeared on my credit report. I filled a dispute in XX/XX/XXXX due to the fact this account was not mine. The account was removed from my report on XX/XX/XXXX but it has now re-appeared. I have attached a copy of my report showing the account removed and a copy of my report showing the account reappeared.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX, XX/XX/year>, XXXX ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried yesterday and today to place a 90 day credit alert on Equifax 's website after their lax cybersecurity processes distributed my private information to hackers. Their website just does NOT work! It keeps saying they have a system problem. This is unacceptable. When can I become part of a class action lawsuit against Equifax? The XXXX and XXXX sites work fine.