23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

We have made numerous attempts with Navient to set up affordable payment arrangements in XXXX that were all denied because the amount was not sufficient for them to accept and they were aware that the payments were unaffordable, was told that various items that we had by one of their agents were " luxury '' items ( such as a vehicle to get to work ). Account was sent to a collection agency, struggled to make {$250.00} a month payments which were supposed to help our credit, they were still reporting the loans as delinquent and not reporting the agreed upon amounts of the loans. Those payments were stopped after one year because they were, again, not affordable and were affecting our ability to pay our monthly rent payment. We were once again connected by yet another credit collection agency in XXXX and we advised them of the previous attempts with Navient to pay something toward the loans and nothing was ever received back from that agency nor Navient. 

Navient is reporting the loans as Closed and Charged off but still reporting them as being delinquent. If the loans are truly charged off, I would like them to stop being reported as delinquent and the amounts reduced to zero. We would be willing to make monthly payments, however, it would be an amount that we would feel comfortable in paying for a specific period of time and that Navient would need to report them as being current at the agreed upon amount.
Product: Credit reporting

I am a current subscriber with XXXX and have been for close to three years. In XXXX a collections account appeared on my report that was originated by XXXX XXXX ( XXXX ). I used the information from the to reach out to the creditor with the phone number listed in my file. After series of call attempts and transfers I was connected to the location that handles my account. After validation of debt I began to payoff the account. As of XX/XX/2016, this collection account was paid in full with a credit balance of {$1.00}. 
After payment was satisfied I had to dispute the account status to have it updated to show satisfied and closed with XXXX and XXXX as account was listed closed on Equifax. XXXX investigated and listed the account satisfied and closed. XXXX investigated and listed the account satisfied and closed. Then from my most recent XXXX report Equifax has the account listed as open with XXXX balance. I tried to submit a dispute along with getting a letter of satisfaction from the collections agency and when I called I was told that the account was being disputed and routed to another area that uses a voicemail to leave your response or inquiry. I tried to initiate a dispute with Equifax online only to receive an error that they were unable to verify me online and to contact by submitting a fax our mailing the office. This has become quite the Catch22 and does not support FCRA in many dimensions. 
I have worked diligently on my part as a consumer to be accountable for my past actions and information is not being updated as required by law from both the Collection Agency ( XXXX/XXXX XXXX ) as well as Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account KINGS CREDIT SERVICES which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that KINGS CREDIT SERVICES was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle handling disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Zelle has failed to investigate my claim adequality.
Product: Debt collection

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XX/XX/XXXX and XX/XX/XXXX for code of ethics violations.
Product: Mortgage

This all started when I lost my income due a hardship. I heard about hope for homes and so I tired to apply via XXXX XXXX in XXXX Arizona, I uploaded all the the documents they ask you to submit then there is a application for you to get help from XXXX XXXX. This was XX/XX/XXXX on XX/XX/XXXX they tried to contact Usbank to get my mortgage information but of course the bank would not respond to their requests. So, I call Usbank the next morning to let them know that i was seeking payment assist via XXXX XXXX and I want them to cooperate with them. Usbank has a history of doing customers dirty at least me. I had to file a forbearance with them late XX/XX/XXXX till XXXX of XXXX I was XXXX  in an XXXX  and was out of work for a very long time with zero income coming in. First, I had to apply and prove that I had a hardship because I did not have Covid. They actually ran my credit for the application but did not run the credit of people who claimed to have Covid-19. To make a long story short, I wasn't all the way XXXX  when I attempted to go back to work so I could catch up on my bills. In the mean time I was sending USbank partial payments which they did not apply to my loan. I finally caught up had to pay XXXX dollars and soon as I didn't owe anymore USbank reported my account to the credit bureaus as delinquent. I was XXXX and very angry so I closed all my other accounts with them. XXXX ended up closing my case because US banks failure to respond even though I filled an authorization form out. Now, I have applied for the HAF program via XXXX housing and they are now waiting for a response for access to my account they sent over XX/XX/XXXX so they can start sending the payments. Meanwhile, USbank is sending me lots of threatening letters in the mail so I called them up today XX/XX/XXXX at XXXX XXXX and recorded the phone conversation of me asking is they got the request from housing. The lady said, yes we have it we are working on it ; I told her that I want you to accept the payments that housing is trying to send on my behalf that was the end of the conversation.
Product: Mortgage

In early XX/XX/XXXX, A payment of {$1000.00} was to be applied to P & I for the XX/XX/XXXX bill. 
..includes extra to pay toward Principle. 

BUT - they applied it entirely to principle.. and want a 2nd payment for the XX/XX/XXXX bill. 
Now there is a late charge since I refuse to give two payments in 1 month. 

They have emails and a phone call to correct this. 

On phone call ( XX/XX/XXXX ) the customer service rep said that they have no way of knowing what a payment should be applied to and that she was not authorized to correct it. 

( What? You're a lender? And you don't know how to allocate payments as they come in? ) All payments are made on time and always have extra money for principle.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA XXXX.Failure to Conduct a Reasonable Investigation ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXXFailure to Block Inaccurate Information Promptly ( XXXX XXXX. XXXX ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : XXXXConduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXXProvide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXXImmediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number XXXX Consumer Darte of Birth XXXX this Cfb complaint has been filed pursuant to to FCRA - 605 B ( 15 U.S. C - 1681 c-2 ) that you XXXX credit reporting agency, XXXX XXXXXXXX XXXX XXXX agency and Equifax Credit reporting agency block any information appearing in my consumer credit report that is a result of identity theft and fraud with in 4 business days if you receiving this complaint This Fraudulent, inaccurate and false information consist of a personal credit card account opened at XXXX XXXX XXXX on XXXX XXXX XXXX XXXX the private account XXXX, XXXX on XXXX XXXX, XXXX the private account XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX , in the private account XXXX, XXXX XXXX on XXXX XXXX, in the private account XXXX and a cell phone in the company XXXX on XXXX XXXX in the private account XXXX and an Auto Loan in XXXX XXXX XXXX on XXXX XXXX in the private account XXXXThese accounts have resulted in several hard inquiries and fraudulent collections appearing in my consumer FICo credit report. I do not recognize these accounts and they were not insisted by me. I have attached a copy of the FtC criminal report that List all these fraudulent accounts ftc XXXX I am requesting that pursuant to FCRA - 605 B ( 15 U.S. C - 1681 c-2 ) that XXXX Credit Reporting Agency block all of the accounts, collections and hard inquiries identified in this CFB complaint from my consumer credit file with in 4 days of receiving said complaint. I request that all written confirmation regarding this CFB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies were required to remove fraudulent information from my report within 4 days it has been over XXXX XXXX and I have not gotten a response and the fraudulent information has not been removed this is a violation of my rights
Product: Debt collection

Transunion XXXX added a debt from XXXX XXXX XXXX that was previously removed for being inaccurate/ fraudulent. This acct was from XXXX and a judgement was made in XXXX deeming it false. It was then re added between XXXX XXXX also of this year in an illegal attempt to collect/ re age this debt. I 'd like this removed asap. Being the only negative acct on my transunion profile it has dropped my score significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a consumer transaction with XXXX Bank XXXX XX/XX/2022. Based on the condition of my credit I was pre approved for {$2000.00} credit limit ( see attached ). I then accepted the application because it would cover what I needed to purchase for my personal and or household goods. After I accepted the offer, I was told that correspondence will be sent to me in the mail. I received a letter dated XXXX XXXX stating that in order to complete my request, we require additional information to verify your identity. So I called the XXXX number provided in the letter ( XXXX ) XXXX and provided the info asked of me. At that time, another pull to my credit report was conducted to which the agent on the phone did not disclose to me that they would pull my credit. I was not informed that my credit limit would be subjected to the condition of my credit report arising from the credit pull on XX/XX/2022. This has caused me serious harm as defined in 18 USC 1589 ( c ) ( 2 ).

Pursuant 1581b ( a ) ( 2 ), my written consent is needed to furnish a consumer report about me. I did not give XXXX XXXX and XXXX permission to pull my credit on XX/XX/2022 and they did not have the lawful authority to report to a non affiliated third party my nonpublic personal information. On XX/XX/2022 the credit card account was opened and reported to to the credit reporting agencies without my written consent. No consent due to non disclosure is not lawful authority. No consent is aggravated identity theft. It is my right to a fair and equitable credit report. Pursuant 15 usc 1681 ( b ), Im aware that under the Gramm-Leach-Bliley Financial Protection Act ( 15 USC 6802 ) my nonpublic personal information should not have been disclosed to any non affiliated third party ( Credit Reporting Agency ) without my lawful consent. 

Furthermore, the agent told me that I was only approved for a credit limited for {$630.00}. I then told the agent and her manager that, that I have already accepted the credit limit of {$2000.00} on the date that I extended my credit on the initial consumer credit transaction in XXXXXXXX XXXX They then told me that there is no application in the system for that limit. This is a breach of their fiduciary duty. 

See attachments showing proof that : 1. I entered into the transaction in XXXX. 
2. The XX/XX/2022 letter states in order to complete your request proof that an application was accepted in XXXX. 
3. The original credit limit I was approved for which is {$2000.00}. 
4. Credit report showing the date open which is incorrect, fraud, and proof that they ran my report again on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Remaining items To whom it may concern : XX/XX/XXXXThis letter is being written to dispute the account below in attachment which i have done several times. You have responded by stating that the creditor or collection agency verified the inquiry or account. I have contacted the collection agency on several occasions as well and they have yet to respond to my dispute. Therefore your company could not reach them concerning this debt. The Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well verify its accuracy. If the inquiry or account could not be verified, your company must delete & permanently remove the inquiry or account from my credit report immediately. If you can not show proof that you can not verify this debt and you continue to list this item on my credit report i am prepared and will sue you under The Fair Credit Reporting Act. If you refuse to respond to this letter or theirs another verified letter sent out to me, your company will be prosecuted in a court room where you will face charges for violating The Fair Credit Act, FACTA, and falsely using my identity to defraud my name without my consent placing errors on my credit file. I am allowing 48 hrs turnaround after receiving this message. This is not an attempt to collect a debt nor a threat. The inaccurate errors is listed in an attachment. Please continue below to see the inaccurate inquiries and accounts that remained on my credit file. Accounts reporting inaccurately are 1.  XXXX, 2. XXXX Inquiries reporting inaccurately : 1. XXXX XXXX 2. XXXX XXXX 3. SYNCB/JCP 4.  XXXX Sincerely XXXX XXXX
Product: Checking or savings account

In reviewing my checking account statement this month I was shocked to discover an outstanding loan ( which I never approved ) for which Ive been paying monthly interest for God knows how long. After innumerable futile calls to the bank, I went to a branch and talked to an officer, who told me it was a line of credit that got generated as a result of a {$2900.00} overdraft that occurred this XX/XX/XXXX. Instead of notifying me that I could pay the balance and liquidate the loan, the bank sneakily kept the line of credit outstanding, charging me 14 % interest per month. This is a bank that Ive maintained business and personal accounts with for hundreds of thousands of dollars for 30 years! If I hadnt noticed the line of credit had kicked in, they wouldve milked me for the loan until XX/XX/2035 or beyond! I immediately paid off the loan from my ample funds ( the overdraft was a one-time technical glitch due to a temporary cash flow issue ) and demanded to speak to an officer to get the interest charges reversed. Thats when I discovered that the bank officer I was talking to had zero flexibility for problem resolution ; she, like me on the phone the day before, was shunted from one department to another with no results. Finally, they offered me an opportunity to talk to a manager in a couple of days by phone, but that it it probably wouldnt do any good anyway. ( i.e. XXXX XXXX ) I think this is # Citibanks version of the XXXX XXXX scandal where accounts were opened on behalf of customers without their consent resulting in huge penalties for XXXX XXXX. It may be legal but its a scam designed to entrap unwary consumers, many of whom are poor. After all, how else get they generate big $ s on a checking account maintained by a customer who never overdrafts?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian alerts me to a change in my score. It was over 800 for quite a long time. Then they arbitrarily lower it, again and again. When I spoke to them about why, they gave conflicting statements. Saying at different times that the same thing has a positive and then later said it has a negative impact on my score.

Today a new report was generated, they lowered my score again ( I am about to close on buying a home ) on the Overview page of the site when I log in, it says reason for change ... whats impacting your score, your credit usage is LOW then when I go to the Score page, under whats hurting your score, credit usage is HIGH says heavy usage of revolving credit. So the site explanations are in conflict with each other. Additionally, I only have 2 credit cards, and currently have a balance of {$320.00} on

one of them. We have no other revolving credit accounts.
I have asked them to articulate how they lower and then re raise and then lower my score sometimes several times in a month when my activity had remained unchanged for a few years. Why would you lower my score 27 points? Then raise the next month 27 points? Then lower it again ... and their website does not nor can they properly explain in my case why they are doing that. Nothing they say makes sense, they only give you the run around and give conflicting explanations all which make no sense.

How is it that they can be allowed to affect your score so dramatically and then offer no sound reason?

Lastly, I tried calling Experian again today, the number on the site often doesnt work, then when it does, you step through all the choices ... and it hangs up. Not professional and not confidence instilling at all.

Very frustrated and sad.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I applied online for a title loan with this company I was awarded a total amount of XXXX but only opted for XXXX funds were then deposited that following Monday XX/XX/XXXX. On XX/XX/XXXX I then wanted to see if I could qualify for more and when I logged in the website advised me that I could get XXXX more in cash and click to apply. Once I clicked applied I was advised to pay XXXX and some change to refinance my Loan for the new amount. I paid the money and the system refinanced my entire loan for XXXX. I never signed any documents I never agreed to the full amount and no funds were ever deposited into my account. I then called and spoke to XXXX who advised me I refinanced with no funds and that she would refund me the XXXX and then send it to her supervisor and would call me back. ( I never got a call or a refund ) I then called again on XX/XX/XXXX and spoke with XXXX who said that she didnt see me ever getting a XXXX dollar loan she saw me getting a XXXX loan and when I attempted to explain to her I had a different loan number she said she would have to send it to corporate. I called today on XX/XX/XXXX and spoke to XXXX again and asked to immediately speak to a supervisor. XXXX said she would transfer me to XXXX and put me on hold for several moments. When she returned she said she was transferring me and disconnected the call. I know it was on her end because I was on my XXXX and had no contact with my phone. 

I feel This is clear predatory lending and did not agree to any of the terms to be charged the full amount.