23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Lawsuits : 1. Federal Trade Commission Vs XXXX Status : settled for XXXX ( XX/XX/XXXX ) 2.Consumer financial protection Bureau vs Navient Status : Pending I am XXXX XXXX XXXX Veteran who went to XXXX University from XX/XX/XXXX-XX/XX/XXXX Racked up XXXX student loans which eventually end up with Navient. I also have about XXXX private student loans with XXXX XXXX while going to XXXX XXXX sold me a dream, I got a college degree in XXXX XXXX and I am now XXXX. It has been a nightmare to find decent paying job with my worhtless degree. FTC vs XXXX Stated that allegely XXXX misled prospective students with ads and touted high employment rated and income levels upon graduation. XXXX ended settling in with FTC for XXXX. 

Navient is now being suit by Consumer Financial Protection Bureau along with US Attorney General office, XXXX Attorney general and XXXX Attorney general for unlawful practices such as misallocated payments, steered people into costly plan and supply wrong information. 

These XXXX loans payments, XXXX with Navient and another XXXX with XXXX racked up very high interest plus my other unsecured debt which forced me into Bankruptcy XX/XX/XXXX. 

I learned the US attoney general filed a lawsuit agains Navient along with other Attoney general from other states individually. I would US Attorney General to come on board strongly to protect the interest of XXXX residents affected by Navient reckeless behavior and joint other states AG and file a lawsuit against Navient. 

I would like some relief or perhaps forgiveness on my student loans since I got stuck with a worthless degree and very high student loan debt. 

See Links XXXX CFPB Lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XXXX I received an email that Paypal has permanently restricted my account with no explanation or reason for restricting. I've used this account for personal purchases and family transfers and they can not state why it was restricted with money still in my account.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on any payments. I've attached a copy of my report to this complaint on the following date of XX/XX/year>. I'm now requesting you investigate the XXXX account and update this payment to paid on time immediately. Thank you for your understanding and prompt action. 

15 U.S. Code 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

A debt collection had been reported to XXXX credit bureau experian and XXXX has reported this debt on my credit report. Harris & Harris XXXX is the company reporting the debt amount owed to XXXX XXXX {$520.00}. Harris & Harris gave me the account to contact XXXX cable. Account number XXXX that they're trying to college debt on has a XXXX balance. There is no money owed on that account. XXXX XXXX informed me that I do not owe. They informed me to access the account online to access the bill. I would like this derogatory mark removed from my credit report. I have a copy of the bill with a XXXX balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a XXXX XXXX Credit Card account on my XXXX XXXX, and Transunion accounts several times. Each time I dispute the discrepancies for the last day of activity, close date, and payment history, and the disputes are returned as verified. I have sent a dispute online and also mailed a dispute letter requesting validation of this account. XXXX, and transunion has failed to investigate this account and continues to report inaccuracies on my credit report. 
According to my research, XXXX XXXX is reporting to Transunion : a closed date of XXXX/XXXX/XXXX, high balance of XXXX}, and last date of payment XXXX/XXXX/XXXX, but no payment history. 
XXXX is reporting no close date, date of last payment XXXX/XXXX/XXXX, and no payment history. 
I am concerned that these accounts may not belong to me and/or the reporting to the credit bureaus may be inaccurate. XXXX XXXX has failed to provide any validation of this debt so I am submitting a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect addresses Incorrect names Unauthorized inquiries
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries XXXX XXXX XXXX DEPT OF ED 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: Credit reporting, credit repair services, or other personal consumer reports

The information about late payments is incorrect.
Product: Debt collection

Around the XX/XX/2016, I went to the emergency room. I had insurance to pay for the visit. I had both XXXX and XXXX health insurance. Well I have never received a bill from the hospital or anything and one day I was looking at my credit report on XXXX XXXX  and saw that the XXXX XXXX   Hospital turned in a bill into a creditor for {$8.00} XXXX XXXX  and it is the credit card t company called XXXX XXXX XXXX XXXX XXXX. I have disputed the debt collection with both XXXX XXXX and XXXX credit companies and I even told them that I had health insurance when I went into the emergency room. Finally after over 2 years of disputing the debt it was taken off of my credit report for about a month it was off of my credit report and then about 2 weeks ago it was back on my credit report. I am unable to dispute the debt online again because of the Coronavirus pandemic. I'm getting tired of disputing it and especially when I had insurance. It is not my fault that the XXXX XXXX Hospital didn't file the paperwork to the insurance companies that were supposed to do. It needs to be and should be taken off of my credit report because it shouldn't be on it in the first place.
Product: Checking or savings account

Bank of America has sent a debit card on my personal account and it does NOT work. The PIN they provided does not work. It has been going on for last 6 months. This is a criminal bank and have wait to 40 minutes to talk to customer service. Have to spend 5 days at the bank and no one knows how to fix it. Customer service is a 4 letter word.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX BANK ) XXXX Balance : {$4300.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
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-2 ( 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. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 4. there is some inaccurate information reporting. 
XXXX XXXX Bankruptcy Case Number : XXXX Delete this account.
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of urgency regarding fraudulent accounts associated with my identity XXXXXXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Subject : Urgent : Request for Assistance and Resolution - Account Number XXXX Dear [ Car Max Finance Representative ], I trust this message finds you well. I am writing to bring to your attention a matter of utmost concern regarding my ongoing attempts to coordinate the retrieval and closure of my account associated with the XXXX XXXX, identified by account number XXXX. 

Despite my multiple attempts to communicate and facilitate the pickup of the vehicle, I have encountered evasive and uncooperative behavior from Car Max Finance representatives. Of particular note is the fact that my loan account, contrary to explicit instructions provided, remains open. 

The conduct exhibited by Car Max Finance throughout this process has been disappointing, characterized by rudeness and disrespect. Furthermore, the persistent refusal to facilitate the closure of the account raises serious concerns and may be viewed as violations of the Uniform Commercial Code ( UCC ). This ongoing situation appears to involve elements of business fraud. 

In light of the aforementioned issues, I am seeking a prompt and amicable resolution to this matter. I kindly request your immediate attention and assistance in addressing these concerns in accordance with the applicable legal standards. 

I appreciate your prompt response and cooperation in bringing this matter to a swift resolution. 

Sincerely, XXXX XXXX XXXX [ Account XXXX : XXXX ]
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute certain information on my credit report that I believe is inaccurate and was reported without my authorization or consent. Specifically, I am referencing the entry listed under the account number [ insert account number or description of item you dispute ] in my credit report.

According to 15 U.S.C. 1681b, a credit reporting agency may only furnish consumer information to third parties with the consumer 's written consent or when otherwise permissible under the Fair Credit Reporting Act ( FCRA ). I do not recall ever providing written consent, either directly or indirectly, for the reporting of my information to your bureau or the furnishing of my information to any third party.

In addition, under 15 U.S.C. 1681e ( b ), it is required that credit bureaus maintain and ensure the accuracy of all information reported. Since I have not authorized the reporting of this account, I request that you immediately investigate this entry to determine its origin and accuracy, and provide documentation to confirm that my written consent was obtained prior to reporting my information. 
Please investigate this matter in accordance with FCRA regulations and provide me with the results of your findings. Should you fail to provide the necessary documentation or if you are unable to verify the accuracy of this information, I request that you remove the disputed entry from my credit report.

In compliance with the FCRA, I expect a response within the legally mandated 30-day period from the receipt of this letter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that have been recorded on my credit file. Upon reviewing my recent credit report, I have identified a number of inquiries that were made without my consent or knowledge. These inquiries are fraudulent and result from identity theft. I hereby demand immediate removal of these inquiries from my credit report, in compliance with all applicable federal and state laws governing credit reporting. 

All inquiries I listed in Identyty Theft report, which I uploaded with nessesary documents.

As I am a victim of identity theft, I invoke my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that credit reporting agencies must promptly investigate and correct any disputed information, including fraudulent inquiries, within 30 days of notification. Specifically, I am requesting the following actions : Immediate removal of all fraudulent inquiries listed above from my credit file.

Written confirmation that these inquiries have been removed and that my credit report has been updated accordingly.

- A detailed explanation of the steps that will be taken to prevent further fraudulent activity on my credit file.

- As supporting documentation, I am providing the following : - A copy of my government-issued photo ID to confirm my identity.

A copy of the Federal Trade Commission ( FTC ) Identity Theft Report or other official documentation of the identity theft incident.

A copy of the police report, if applicable, detailing the identity theft or any fraudulent activities associated with my personal information.

Any other documents supporting my claim of identity theft and the fraudulent inquiries.

Pursuant to the FCRA, I request that you thoroughly investigate this matter and take the necessary steps to correct my credit file. Should you require any additional information or documentation, please contact me directly at the information provided above. Additionally, I request that you inform me of the outcome of your investigation within 30 days of receipt of this letter, as required by law.

Please note that failure to comply with this request will leave me no choice but to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory agencies, and to pursue all available legal remedies to enforce my rights under the Fair Credit Reporting Act and the Identity Theft and Assumption Deterrence Act. 

Thank you for your prompt attention to this serious matter. I expect swift action to ensure that my credit report is corrected and that my legal rights are fully protected.
Product: Bank account or service

The reason for my complaint is a couple years back I had XXXX bank accounts never bounce a check went over draft or anything I lost my job and applied for a XXXX job for some income until I get a real job so I was told to cash the check they sent me and do Wat I was told like shop at a store and give feedback. I did so but just XXXX the process I found out that it was a scam. I called my bank to advise them of the situation and I was told I needed to wait for the check to cash XXXX so I did the next day I called the bank to see what I can do about the situation and they told me unfortunately they had to place a check fraud under my name. And I could n't do anything about it for 7 years. XXXX off I called the bank to advise them of the situation and the fact I was not aware it was a fraud before the cashd itit. XXXX of all I was never arrested or convicted for that either. Which I should n't have cause I was in contact with the bank advising them what hAppened all I want is a bank account so I can deposit my money. I do n't think I was treated fair in this situation I need help please help me it was bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card was stolen and maxed out and a loan was taken out of my name, .Here are the two accounts though both credit bureaus have different account numbers. I was told by the credit bureau my accounts were investigate it properly why do I have to different account numbers. Where is my signature signing off on this? 

XXXX. Trans Union XXXXXXXX XXXX Account XXXX {$7400.00} XXXXXXXX XXXX  : Account XXXX {$11000.00} XXXX. XXXX XXXX XXXX Account XXXX. {$7400.00} XXXX XXXX  : Account XXXX. {$11000.00}
Product: Checking or savings account

Capital One 360 savings account. Capital One reduced the APY from 4.35 % to .30 % without my knowledge. 
Subsequently the Consumer Financial Protection Bureau filed a lawsuit and I just want to be sure I will be reimbursed for the difference
Product: Debt collection

08 CAPITAL ONE BANK USA N A XXXX XXXX/XXXX/2021 {$430.00}
Product: Checking or savings account

On XXXX XX/XX/XXXX, I received a check for {$160.00} and a letter stating " We determined activity occurring in your account ( s ) violates our Membership Agreement and is abusive to Navy Federal Credit Union and its membership. '' I opened this account XX/XX/XXXX and the only deposits made were one or two paychecks from my employer. I withdrew {$250.00} from the branch which I used to get a money order, which I still have the receipt for. XXXX XX/XX/XXXX, Navy Federal restricted my account due to negative reporting from XXXX XXXX and I provided a police report and letter from my attorney that I was a victim of fraud. The only reason I found out is because my company could not deposit my check due to the restriction and I received a paper check. After calling about this issue, I have not been in contact nor walked into a Navy Federal Bank. When I received the letter, I contacted Navy Federal to find out what they were referring to. I was told I was trying to make a deposit for unemployment. I told them I never applied for unemployment because I was working full-time. I called Texas Workforce Commission and was advised someone fraudulently made a claim XX/XX/XXXX which I submitted a fraud report on XXXX XX/XX/XXXX. I was not contacted by anyone regarding this issue until I received this letter. My credit has had a fraud alert and frozen since XX/XX/XXXX. Someone has to call me to receive my information. I contacted the social security office to put an alert on my social security number. The agent stated the controls I've done was all they can suggest I do. If an entity allowed fraudulent information to come through, it is the error of the entity. Now Navy Federal Credit Union is falsely accusing me of something I didn't do and I was never advised about this issue until now, XX/XX/XXXX and Navy Federal is reporting a negative comment about me to XXXX XXXX  which I don't appreciate. I need the negative comment removed and I went into the bank XXXX XX/XX/XXXX and permanently closed my account. I filed a complain with the Federal Trade Commission, report XXXX, against Navy Federal Credit Union. I don't want to bank here and I want them to kindly leave me alone.
Product: Mortgage

Wells Fargo Home Mortgage has yet to prove my signature on the California All Purpose Document
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX