23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been trying to enroll in an income based repayment plan for 2 months. The first time I tried the loan company said they needed my tax information when typically in the past they electronically obtained it. This year, ironically I had to submit the document by mail, email or fax. I faxed the information and they wrote me telling me they could not enroll me in a program because they did not receive tax information. So I resubmitted an application to enroll in the plan and they said I was approved but told me I needed to fill out the, application again! My  XXXX  payment is due on   XXXX   XXXX   and it appears as if they are stalling me on purpose to ensure that I reach repayment status and end up in default. I can not afford to pay {$2000.00} in repayment. This is unfair to me as a borrower. I am depressed and going to see a psychiatrist because of this issue. This will ruin my life and I will certainly be in default by the end of the year if I can not enroll in this program.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX  XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance XXXX {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

A Bank of America Pre-Paid Card was issued to me on behalf of the State Of XXXX Division of Child Support Services. This card was closed and any outstanding future payments owed to me were removed. 

I was notified on XX/XX/2021, by the State of XXXX, where I currently live, that the California State Controllers Office, Department for Unclaimed Property had been notified that Bank of America had unclaimed property, a cash balance of {$5500.00}, which had not been issued to me. 

In the letter issued by the State of XXXX, I was instructed to contact the business entity to claim my property. I contacted Bank of America to claim my property. They refused to assist me or provide me any claim forms so that I could collect the money they possessed that I am owed. I believe Bank of America is trying to block my attempts to collect the funds owed to me. 

I would like any assistance CFPB can provide to collect all funds owed me on any Pre-Paid, closed accounts held by Bank of America.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violated federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stonlen on XX/XX/2022. A credit card account was opened fraudulently using my information with XXXXXXXX XXXX XXXXXXXX. I contacted them on XX/XX/2022 and XX/XX/2022 and on XX/XX/2022 to try and get this problem resolved but they refuse to send a letter to the credit Bureaus to get this removed off my credit report. I had to spend over 40hrs contacting and emailing credit card companies and bureaus to place fraud alerts and credit freezes on my accouunt. After doing a XXXX search on XXXXXXXX XXXX XXXX I see the have a 1.5 star rating with many people in the reviews calling them a scam.
Product: Student loan

I was previously paying {$370.00} a month on my student loans to XXXX, which were transferred to Aidvantage in XXXX. In XXXX I changed my auto-pay payment method from withdrawing from my personal savings account to withdrawing {$350.00}, the required payment, from my spouse and my joint savings account. Immediately my interest rate, which had been 6.125 % while on autopay for consolidated loans, went up to 6.375 %. Simply switching which account I pay from shouldn't cause an increase in interest rate. I already think this account is overcharging me in interest. I would appreciate if the CFPB would look into this because Aidvantage is being sketchy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Last XXXX of XXXX XXXX & XXXX XX/XX/XXXX Credit Bureau XXXX XXXX Experian XXXX To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE of {$480.00}. XXXX on Experian, XXXX, and XXXX how can First Premier, opened XX/XX/XXXX This is a violation of the FCRA XXXX XXXX XXXX ( I ) XXXX XXXX XXXX ( XXXX ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite XXXX XXXX Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account Their is also false inaccurate incomplete Inconsistent payment history made so all three reporting agencies Experian shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : XXXX shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : XXXX shows no payment history within the last 24 months
Product: Credit reporting or other personal consumer reports

I received a letter dated XX/XX/XXXXXXXX  from XXXX XXXX XXXX XXXX regarding a complaint submitted to the XXXX XXXX XXXX XXXX against the credit because of a fraudulent inquiry that has been disputed with TransUnion on or about XX/XX/XXXX. 

I contacted TransUnion on or about XX/XX/XXXX disputing the fraudulent inquiry to get it removed and XXXX XXXX XXXX XXXX received a notification from TransUnion. XXXX XXXX XXXX XXXX conducted an internal investigation and sent a file transmission to TransUnion on XX/XX/XXXX to have the fraudulent inquiry deleted from my credit report. 

I contacted TransUnion on XX/XX/XXXX to inform them of this letter and to delete this from my credit report based this letter of allow me to upload this for their record to complete the process. The above paragraph is based on conversation with TransUnion 's representative of the process to have the fraudulent inquiry deleted was initiated per TransUnion to inform XXXX XXXX XXXX to send correspondence to them to delete the fraudulent inquiry. Now TransUnion id instructing me do something different to get the fraudulent inquiry deleted.
Product: Vehicle loan or lease

In XX/XX/2020 I was trying to pay the car off. The payoff amount was about {$1100.00} more than the loan. I was in a family emergency then so I just made the regular payment. As of XX/XX/XXXX my account page showed a credit of {$340.00} and a payment due of {$730.00}. I tried e-mail but got a generic response. On XX/XX/XXXX I called customer service. After several minutes I requested to be transferred to a supervisor. After much more time with the supervisor she did some calculations and said that I had over paid the loan and should receive a refund and title within 5-7 business days. More family issues so I did not call again until XX/XX/XXXX. Again I had to go through the phone tree to get a supervisor. Same conversation. I had overpaid and was due a refund. I asked about what happened. Evidently these " supervisors '' do not not have any authority to fix the loan and can only create an e-mail to that department on what the issue is. I called again XX/XX/XXXX, as I hadn't heard any updates. Same conversation again. 
On XX/XX/XXXX I received a delinquent payment notification. On XX/XX/XXXX I again called, but was transferred to the collections department. After being transferred to customer service and then to a supervisor yet again, that supervisor again agreed that I was due a refund and the title. Today I was again told 5-7 business days. I have also contacted Hyundai corporate by e-mail. There response was they do not mediate in these situations. I also contacted the dealer where I purchased the car with the same results. No explanation was ever given as to why the {$1100.00} difference from what is owed and the payoff amount. Each of these calls takes about an hour and are very frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen from the movie theater. I did not take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I am receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. XXXX {$590.00} XXXX {$18000.00} XXXX {$11000.00} XXXX XXXX {$79.00} XXXX XXXX XXXX {$290.00} XXXX  XXXX {$1400.00} XXXX XXXX XXXX   XXXX {$2100.00} XXXX XXXX {$560.00}
Product: Credit reporting

XXXX and XXXX were deleted and then reinserted back on my credit report.
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX XXXX - In accordance with the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX - XXXX - In accordance with the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit card

On Friday, XXXX XXXX, 2025 at XXXX Eastern time I contacted Bread Financial and spoke with XXXX for the XX/XX/XXXX . I had {$25.00} inXX/XX/XXXXXX/XX/XXXX rewards that I attempted to use while placing an order. The order did not go through because I entered the CVV incorrectly. However, upon going back to place the order after grabbing my physical card, I notice I was now down {$5.00} and only had {$20.00} inXX/XX/XXXX XX/XX/XXXXrewards. I contacted Bread Financial at the time indicated in my opening statement and I was told I would be credited the {$5.00} within roughly 5 minutes. An hour later the credit was still not in my account so I had to call Bread Financial yet again and spoke with XXXX who stated it could take longer than 5 minutes with no indication of how long. This is an absolutely unacceptable way of conducting business. My order was never placed therefore I should not have lost any of my credit card rewards. Luckily I had screenshot everything showing that I had {$25.00} in credit card rewards before {$5.00} of those credit dollars went mysteriously missing. This is a common complaint if you read the reviews about this card and its rewards. Bread Financial is totally deceptive and never ends up crediting the missing rewards. I am done wasting time trying to solve this via phone call.
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 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 Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

on my TransUnion Inquiry details XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these two inquiry 's I don't remember making I did make an inquiry with XXXX XXXX but they already have XXXX on my report then these on my XXXX XXXX I don't recall XXXX at all and other three I received no bredit cards from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries 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

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX  XXXX XXXX XXXX listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit card or prepaid card

Home Depot card Impacted credit score negatively, card has a promotional period then deferred interest. They charged {$700.00} interest and now my balance is up to over {$1000.00} dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen me and my family of 7 will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I receive a call Capio Partners being disrespectful over the phone. About making comments about my debt when I said I sent you a letter and please do n't call me until you respond to the letter. I found out that 12 days ago they receive this debt from XXXX XXXX without my permission and not responding to the letter of validation on XXXX XXXX, 2016. Plus I mail an request for Validation letter to Capio Partners on XXXX XXXX, 2016.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$980.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX  XXXX, # XXXX XXXX XXXX, # XXXX XXXX  XXXX, # XXXX 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