23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I obtained loans from XXXX XXXX ( now Navient ) starting XX/XX/XXXX - XX/XX/XXXX for XXXX and XXXX school. Upon graduating, I contacted XXXX XXXX to request an income-sensitive payment plan since I was not making enough to pay the large amount that they stated I owed. I was told that there was a plan to I could do to reduce my payments. The next month, I saw that there was no payment due. I contacted XXXX XXXX to inquire why and they said that I could decide to make payments or not to, but that it wasnt required. I made payments and eventually saw that there was a small amount due each month and then after a while the payment due was huge even though I had been making payments. Flash forward to today where I have been making payments monthly for 5 years or so and my balance is not going down ... at some point the balance actually went up. I have tried repeatedly to call XXXX XXXX to get a transaction sheet of all payments and credits that I have made on my loan and was told that information is not available. I have been trying to get someone to look at my account for years to help me understand why my balance does not go down. After calling last week, I was told that they cant see back that far. I was also told that my loan was put on forbearance and not an income sensitive plan during which time it was accruing interest. I have been making over-payments for the last year and the balance still doesnt go down. HELP!!! There is no way that I can be making payments on time for this long and owe more than when I started with the balance not moving. There is something not right about my account.
Product: Mortgage

Recently my husband, XXXX, had to have XXXX. During this time, he had to be on XXXX for six months which was half his salary. We asked Ocwen if we could make partial payments until he recovered and or we asked for a mortgage modification. Ocwen would not work with us and instead doubled our payments. They did not accept any of the money we sent, instead they made it more difficult putting XXXX on an already horrible situation. Then they threatened foreclosure. We have XXXX dollars in equity and Ocwen refused to do anything for us in our most difficult situation. They charged us outrageous late fees and made the payment double making it impossible to catch up. Please help us get some of the fees and retribution for what they are putting us through in such a terrible time.
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea why it is there. I check my credit report regularly, but this time, I was shocked to find discrepancies that appeared out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but the unauthorized inquiry remained. This issue is extremely frustrating, and I demand that the documents I've submitted be reviewed thoroughly so I can finally have peace of mind.
Product: Bank account or service

I signed up for a Citi checking account on XXXX/XXXX/2016. The account offered a {$400.00} bonus if {$15000.00} was deposited within 30 days of opening the account and then kept in the account for 30 consecutive calendar days. The bonus was to be paid within 90 days of successfully completing these requirements. I deposited {$15000.00} into the account on XXXX/XXXX/2016 and no money was transferred out of the account until XXXX/XXXX/2016. As such the bonus should have been paid on XXXX/XXXX/2016 but I have not received it. I have had multiple communications with Citi ( email, online chat, and phone calls ). Each time they confirm that I 've met all of the criteria. They then proceed to open an " investigation '' which they claim will take no more than two days ( the last " investigation '' is currently 5 business days old, this has been similar for the others as well ). Two times ago after their investigation they said I needed to send in a form XXXX to receive the bonus. I have now mailed this form in three different times, the last two times confirming the send-to address with Citi, but Citi tells me they have not received it. The reps I spoke to this time, however, assured me that this would NOT keep me from getting the bonus.
Product: Checking or savings account

Charges totaling over {$3000.00} were made by a minor without authorization. We received no notification from the bank although this was not representative of our spending habits. We called the bank and were turned away. We were told there is nothing they can do and we must reach out to the vendor to resolve. The other option they gave us was to prosecute our child. We tried to arrange a refund through Google, but were denied. 

The line item for each charge was : XXXX Google XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received an email from " XXXX '' about supposed " Upcoming changes to your Online and Mobile Services Agreement. '' To my knowledge I have no financial relationship with Truist or XXXX ( mentioned in the email message text ). I have never downloaded either app on my mobile phone. I do not want to have a financial relationship with any of these entities, do not agree to any of their terms of service, and am confused why they have my contact information. 

I tried to access customer service on their website and they have no obvious option to contact them. The fine print of the email message directs me to reach customer service while logged into their App or website. But I do not have login credentials for an account I did not create. Their website does not allow me to reset these credentials using my email. I do not feel it is my obligation to chase down their opaque customer service options to discontinue this relationship since I never sought their services. 

My name is XXXX XXXX. The message was sent to XXXX. I would like them to close it down any account created attached to my name or my email.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX under XXXX XXXX has violated my rights. My right to privacy, my bonafied purchaser rights and fraudulently reporting a certain amount wrong to the reporting agencies and I have proof that the amount reporting on all agencies is wrong. They unlawfully repo'ed after the vehicle was placed under a TRUST and it was reported to the DMV, that it was no longer registered under the state with proof of no liens, which violates the XXXX XXXX that I have in place and all my property. We will be taking XXXX XXXX to Arbitration for securities fraud as they have no rectified this situation, by consistently ignoring my email.

15 USC 1681 section 602A, states I have the right to privacy 15 USC 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions 15 USC 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 and crimes which antedates the report by 7 years
Product: Money transfer, virtual currency, or money service

Unauthorized charges XX/XX/XXXX {$160.00} XXXX  XX/XX/XXXX {$180.00} XXXX Both charges at XXXX when the store was CLOSED!! 

Disputed charges with Venmo they decided against my favor. 

They gave me a temp credit that day. 
And now saying they will take away the credit on XX/XX/XXXX. 

I had the card in my position. Cancelled and alerted Venmo with in 4 hours of email notification of charges. 
Signed affidavit of fraud and sent notarized to Venmo.
Product: Credit reporting or other personal consumer reports

Dear Transunion 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. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting XXXX Account Number : XXXX Please update- All New Reporting Information to paid as agreed and current. 

4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following addresses and phone numbers have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section A. States I have a 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

Credit Collection Service Original Creditor : XXXX Account No. : XXXX XXXX : {$490.00} I have disputed these multiple entries for Credit Collection Service several times with no response. I have repeatedly asked them to send me a copy of the signed, exclusive contract between Credit Collection Service and myself for repayment. To this day, I still have not received a response. I've sent correspondence on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and sent in many letters in regards to the records management systems in order to get clarity on my record with XXXX but to no avail i need help in order to fix the many erroneous errors on my reports. 

The erroneous errors found on my report are actually violations under the fair credit reporting act and i have attached them to this complaint to the cfpb not only for a resolution but to bring closure before i bring my attorney in for restitution and court costs for 20 years of sending letters and calls in regards to my credit. 

I have found ten ( 10 ) Violations on my credit report under the fair credit reporting act and the fair debt collections practices acts. My payment history is thirty-five percent of my credit score and this is not shown or reflected in the monthly payment legend on each account in my file. 

Under section 611 ( a ) ( 2 ) and section 1681 ( i ) is my right for modifications to my accounts open or closed to reflect a accurate credit history under the fair credit reporting act as well as Fair and Accurate transactions acts, Electronic Funds Transactions Acts by which i demand accuracy in my credit record. The fair debt collections practices act of time barred debt is what i am disputing under section 1681 ( c ) as well as section 609 of the actual contract and record with a signed signature. 

I have pulled my credit report from XXXX XXXX and i have made changes with ink on my report along with the changes in ink with the law that i am disputing on each account with the sections and the law for a complete understanding by which i am disputing in order to correct the erroneously errors completely that i have submitted to my attorney. 

I have attached pages 1/30-12/30 of my credit report so that you can see the errors on the report by the law of the FTC. I also dont want them to use e-Oscar on the investigations of my disputes so that if in thirty days they dont respond i want the account deleted from my credit report
Product: Credit reporting or other personal consumer reports

RE XXXX XXXX  Block Request To Whom It May Concern, I am XXXX XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

We are a small woman owned business with XXXX employees. None of them other than myself has access to the banking account as they are not sufficiently senior. For 10 years we have been wiring in our payroll to XXXX to pay the employees, for social security and medical withdrawal. City National changed to a two-factor system that requires XXXX different people to authorize payroll wires to XXXX  from the bank account. We have had multiple phone calls and emails to discuss that this is not possible for our small business and have only received the run around from City National. I tried to wire in payroll for my employees but was denied access to my own account because of their inflexible system and inability to address the needs of a small business. Now my employees will not get paid!!!! 
XXXX  the payroll service will charge us a fine and still we get no help from City National. I am also writing the FED and our Senators but they never help small business. Maybe you can. Once again small business killed by big banks and inflexable regulation created by the government. XXXX XXXX and other money center banks do not take small accounts such as ours and other small banks are going under in XXXX. We do not know where to bank. Maybe you can help. Thanks
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Intent to Sue Unauthorized Reappearance of Accounts To Whom It May Concern, I am writing to dispute the unauthorized reappearance of several bank accounts on my credit report. These accounts were previously removed, and their reappearance is both erroneous and damaging to my credit profile. 

The account in question is as follows : - XXXX XXXX This unauthorized action has caused significant distress and potential financial harm. I demand the immediate and permanent removal of these accounts from my credit report. Failure to do so will leave me no choice but to pursue legal action to protect my rights and seek damages for the harm caused by your negligence. 

Please consider this letter as my formal notice of intent to sue if the aforementioned accounts are not removed promptly. I expect written confirmation of the removal within 15 days of receipt of this letter. 

Thank you for your immediate attention to this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Applications were made for credit cards using my information by unknown persons. Applications were made approximately around XX/XX/XXXX - XX/XX/XXXX. The were made at XXXX XXXX, XXXX XXXX, Chase and XXXX. I contacted Protect My ID by XXXX with XXXX and a case was opened. On XXXX their fraud department contacted each company to inform them that the applications were not made by me. A card had been issued by Chase and was cancelled. The other applications had been declined. 

Also, my XXXXXXXX XXXX XXXX XXXX had been hacked and charges were made on XX/XX/XXXX. On XX/XX/XXXX I contact XXXX XXXX XXXX and canceled the card. On XX/XX/XXXX I visited my local branch offices and reported the hack and filed a report. 

On XX/XX/XXXX an unknown person filed a mail forwarding request for our mail to be sent to an address in Georgia. On XX/XX/XXXX I reported this to the XXXX, TN post office. We did not receive our mail until XXXX. 

On XX/XX/XXXX I filed a police report with the XXXX XXXX Tennessee police department.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I settled with Santander XXXX USA for money owed on my XXXX XXXX XXXX. When speaking to them on the phone, I was assured that this would be a pay to delete scenario. As the letter received stated that my credit should be updated within 30 days, I followed up in XXXX of XXXX to file a dispute with XXXX. I submitted the confirmation letter from Santander stating the account was paid. I called multiple times and received multiple answers as to what was going on. 
As of XX/XX/XXXX, I am STILL having issues purchasing a car because the charge off was not deleted from my account. 

Additionally, I have shared multiple times that my name is XXXX XXXX, NOT XXXX XXXX. XXXX is not a pseudonym, XXXX is a different person who now goes by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To Whom it may concern. I have been reported by a XXXX  credit card company as no payment and charged off. XXXX XXXX act # XXXX and XXXX XXXX act # XXXX. I'm unfamiliar with these accounts and they do not belong to me XXXX XXXX, or my company XXXX XXXX XXXX. I've reached out to dispute with Equifax Commercial Services but they have failed to verify the accuracy of this account. They informed me " ONLY THE CREDITOR/LENDOR CAN REMOVE THIS. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020, Equifax has stated that my Date of Birth as they alone have, is verified. I want to know The procedure to determine this DoB? Who exactly provided this information? As after 4 certified mailing sent with all required documents, I still can not log into or use phone tree as my SS # and DoB do not match. I really am only asking, who with exact details, is disclosing this information. The only answer I get after repeated request XXXX by my consumer rights ) is how did equifax determine their accuracy? Who exactly provided this information? 
COMPLAINT ID XXXX After the above, I still only receive an answer of " no exact details. '' I want exact details.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was notified of a hard inquiry on my credit report from Transunion. The same day, also on XX/XX/XXXX, I received a confirmation email from XXXX 's congratulating me on my new XXXX 's XXXX  card, issued by XXXX  XXXX. I can't even remember the last time I went into XXXX 's ( if I ever have ) and I NEVER applied for this credit card. 

About a week later, the XXXX 's card showed up in my mailbox. When I called the " card services '' number listed, the person I spoke to immediately said she needed my social security number. I didn't feel comfortable offering this information and I hung up. 

Furthermore, I almost missed both the credit alert and the initial XXXX 's email because they were buried in what I have since learned is called subscription bombing. On XX/XX/XXXX, my email was flooded with hundreds of confirmation emails from hundreds of random websites.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/XXXX but XXXX  Equifax and XXXX  are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from Equifax data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
Original Creditor : XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$110.00} Reason : Original Creditor : XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$550.00} Reason Original Creditor : XXXXXXXX XXXX XXXX   Open Date : XX/XX/XXXX Status : OPEN Balance : {$510.00} Original Creditor : XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$490.00} Original Creditor : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$11000.00} XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$790.00} Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX GA Open Date : XX/XX/XXXX Status : OPEN Balance : {$1900.00} Original Creditor : XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$2300.00} Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX Status : Discharged Amount : {$0.00} Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX Status : Dismissed Amount : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act Ally Account XXXX has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit pan as late for any purpose.
Product: Credit card

I was a former Well Fargo Bank ( WFB ) Credit Card customer since XX/XX/2013, this card was marketed by WFB as a way to improve an individual credit score and the capacity to earn cash rewards for its use. The rates associates to this card were higher than other usual account but the WFB representatives reason on the offering that the rate did not matter because the opportunity to earn rewards was extensive. So I signed up for this card. I was used to making purchases with this card and the earning started to accumulate and when they started to reach higher and higher credit for the use toward me - WFB without warning, or ability to cash the rewards decided to cancel my credit card effective immediately without the opportunity to cash my rewards and they keep over {$300.00} in cash rewards that I had earned. I do n't dispute the cancellation policy but the cancellation without notice amounts to change of terms for earnings received and a taken. Other credit cards issuers like XXXX even after cancellation allow consumers the opportunity to cash their rewards even after cancellation of the credit card. 
Wells does not. Wells takes consumers monies by the enacting of this policy. Their policy is deceitful and its based on unfair business dealings.
Product: Checking or savings account

Im unable to transfer my funds or send money from my Venmo account. I received a SBAD loan for my small business and have been unable to use my funds to get the supplies I need for such. The amount is {$10000.00}. The funds has been in my account since XX/XX/2021