23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

There are five steps to submit your complaint : Step 1 : What is this complaint about? 
My complaint against Navient and Sallie on fraudulent activity towards my account. Sallie and consolidated loans i never entered agreement. Fraudulently sign my information on documents to take over my loans that was handle by XXXX XXXX. I have filed police reports and everything against this company. While trying to resolve the issue now Navient is over my loan I'm trying to resolve fraudulent activity alone with payments that paid XXXX for a XXXX loan plus interest totaling XXXX paid in full they keep having independent companies under umbrella to keep the account open on a paid account to get more money. This is fraudulent to me and they are transfer correct information on a loan that is paid in full. 
Step 2 : What type of problem are you having Step 3 : What happened? 
I try to call them but they give me a run around plus taking advantage of my situations to capitalize off me setting high interest rates and they care less to help you but work solely on the behalf of the Fraudulent company Navient. They have been paid in full. They find ways to keep the account current by selling my account to other companies. XXXX of my money then paid a account t Step 4 : What company is this complaint about? Navient and Sallie mae XXXX XXXX XXXX XXXX XXXX XXXX. 

Step 5 : Who are the people involved? 
XXXX XXXX consumer vs Navient Before you get started please help me
Product: Credit reporting or other personal consumer reports

This account lists the following company as the creditor MOHELA. This company is NOT the creditor, I never contracted with them, and I sent certified mail to them and also ALL of the credit consumer agencies to immediately correct my reports and remove this account. 

This account has been correctly show as PAID OFF since XX/XX/XXXX. 

This account is to be removed immediately, it is affecting my credit worthiness I worked very hard for. 

Last reported XX/XX/XXXX - Amount : {$170000.00}
Product: Prepaid card

I am writing to request your immediate assistance regarding a matter with my retirement payment through Direct Express. As an XXXX woman on a fixed income, this payment is crucial for my monthly expenses and well-being. 
My retirement payment has not been released by Direct Express, and despite my efforts to resolve this issue directly with them, I have yet to receive the funds. I rely entirely on this payment to cover my essential living costs, including housing, utilities, and groceries. 
As a XXXX citizen with limited resources, I am experiencing significant hardship due to this delay. I kindly request that the Treasury Department intervene on my behalf to ensure the prompt release of my retirement payment. 
Please let me know if there are any documents or additional information you need from me to expedite this process. I can be reached at the contact information provided above. 
Thank you for your prompt attention to this matter. I am hopeful for a swift resolution.
Product: Credit reporting or other personal consumer reports

ACCORDING TO THE FAIR CREDIT REPORTING ACT ( FCRA ) section 605B requires consumers reporting agencies ( CRAs ) to block the reporting of any information in a consumers file that the claims resulted from identity theft. I am unaware of the hard inquiries and collections on my report. pnc bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX ( unauthorized and unaware of this collection ) this company has yet to give a purchase agreement with my signature.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : U S DEPT OF ED/XXXX XXXX XXXX  Account Name : U S DEPT OF EDXXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : U S DEPT OF ED/XXXX # XXXX Account Name : U S DEPT OF EDXXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX
Product: Money transfers

My transaction was decline not only by western union. also I tried XXXX, XXXX, XXXX and all decline my transaction.
Product: Credit reporting or other personal consumer reports

Goodleap did not provide proof of transfer and did provide several documents show denial of contract but refused to remove false transfer of account. I accordance with the Fair credit act goodleap is in violation of article 1681 XXXX XXXX failure to report with in XXXX days.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. 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 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) 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 ( 15 U.S.C. 1681i ( a ) ( 6 ) ) 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.

3. Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) 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 : 1. Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2. Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXX. Immediately 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 XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I am writing because I opened a PayPal line of credit in XX/XX/XXXX account number XXXX. Since I had the account, it has been paid on time with no late or missed payments. Suddenly at the peak of the COVID-19 situation in late XX/XX/XXXX Synchrony Bank who is the parent company closed this PayPal account and two others under Synchrony Bank umbrella.

When they first closed all three lines of credit that I had with PayPal, Mattress Firm and Lowes totaling over {$67000.00} worth of credit limit. They said at the time that I was a high-risk account. This had me confused considering I was only using a total of about 13 % or so across the board of my available line of credit. None of the cards were maxed out or anywhere close to. Nonetheless, on XX/XX/XXXX PayPal solicited me via email to promote or offer me a line of credit to an account that they closed in XX/XX/XXXX as mentioned above.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Todays Date : XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Has a accounts on my credit report that should not be there. 


Account Number XXXX Account Type Installment Loan Terms 120 Months Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a collection account, insurance claim or government claim or was terminated for default Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - XXXX XXXX - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount {$3500.00} Comments - Payment History XXXX XXXX XXXX XXXX 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: Mortgage

I have an account with regions bank and I was in the process of tring to do a modification due to an XXXX and the company did not do the modification after only XXXX into the process they company has charge me foreclosure fees XXXX and XXXX. The home never went into foreclosure I caught up the payments. I have called numerous times to get this resolved was told all fees would be reversed and still XXXX months late they are not. Please .This has been a horrible experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a bankruptcy on my credit file from XXXX XXXX. XXXX XXXX is fraudulently reporting information as factual but they have stated that their company couldn't identify me. The information is suppose to be accurate if the company has chosen to give false information that is fraud.
Product: Credit reporting or other personal consumer reports

This is the second credit reporting issue I have had with XXXX. The first one was, XXXX reported me 31 days late when in fact I was not, I was in a hardship program with them. That was corrected on XX/XX/XXXX. Now I received an alert that the loan amount balance is {$90000.00} and the original loan amount was XXXX. This is the second reporting error less than a month which has affected my score twice. This is a stressful situation, and something needs to be done about this. I have attached my actual original loan document. In addition XXXX does not even offer XXXX personal loans.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, Zelle and my financial institution failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This unacceptable lack of accountability and transparency raises serious concerns about consumer safety.
Product: Checking or savings account

I am opening a bank account in wells fargo and I am sent to this company I need my bank account
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and noticed inaccurate reporting and accounts. This involved the following : 1. XXXX XXXX : Account number XXXX ; Date Opened XX/XX/XXXX ; Highest Balance {$370.00}. 
2. XXXX XXXX : Account Number XXXX ; Date Opened XX/XX/XXXX ; Highest Balance {$9800.00}. 
3. XXXX XXXX XXXX XXXX ; Account Number xxxx ; Date Opened XX/XX/XXXX ; Highest Balance {$1100.00}. 
4. XXXX XXXX XXXX XXXXXXXX : Account Number XXXX ; Date Opened XX/XX/XXXX ; Highest Balance {$910.00}. 
5. XXXX XXXX XXXX XXXXXXXX : Account Number XXXX ; Date Opened XX/XX/XXXX ; Highest Balance {$840.00} 6. XXXX XXXX  : Account Number XXXX ; Date Opened XX/XX/XXXX ; Highest Balance {$51000.00}. 
7. XXXX  : XXXX ; Date Opened XX/XX/XXXX ; Highest Balance {$720.00}.
Product: Credit reporting 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$29000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with the reporting agencies for months now trying to have public record information deleted from my personal credit reports but with no luck. However, based on the information that I have found per the NCAP it states

two things required : The public record data must have your name, address, and either your Social Security number or your date of birth. The data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records. After reviewing my 3 CRA records this information is not listed on the public record that is attached to my file. I am requesting that this public record..ie : bankruptcy information be deleted from all 3 CRA accounts ASAP per my right based on the NCAP law.
Product: Debt collection

In XXXX, received a letter stating they were trying to collect a debit from me from a previous landlord who had taken us to court. Judge Dismissed the case, no money was owed. I responded back to collector two days after notice and requested validation of debit and included a copy of the court dismissal. Never heard from the collector. 

XXXX, I reached out to collector for the information and informed them of the court dismissal & asked for them to validate collection. I emailed the court documents to email given by the rep. No response since then.
Product: Debt collection

This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two inquiries on my credit report for XXXX XXXX XXXX . One inquiring is for an airlines/cruise lines credit card and the other inquiry is for a Walmart credit card. I have reached out to SYNCB that I did not authorize these inquiries. They were not able to provide me with any personal information other than my social. I have never applied for a credit line with XXXX, Walmart or XXXX. The date for the Walmart listed inquiry is XX/XX/XXXX and the date for the airlines inquiry is XX/XX/XXXX.
Product: Credit card or prepaid card

Us bank Reliacard has had my funds on lock for 10 days now absolutely no information from customer service employees
Product: Checking or savings account

[ XX/XX/XXXX : Notified by XXXX that payment of {$1500.00} for damage claim was ready for transfer ; immediately emailed a receipt and noticed the last XXXX digits of the bank account in the paid to category was incorrect by XXXX digit ; called XXXX who stated the funds would be rejected due to the name and account number not matching. ] [ XX/XX/XXXX - XXXX : Dispute submitted to USAA after notifying them of the error ; USAA responded that the funds had not been located and refer back to sender to locate, send a letter of XXXX, OR provide a XXXX trace number. ] [ XX/XX/XXXX - Called USAA and they insisted that they needed an account number or trace number to locate funds ; reached out to XXXX XXXX USAA from XXXX to resolve the error. ] [ XX/XX/XXXX : XXXX XXXX from XXXX, emailed a Research Request Form compiled by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX handles transactions for XXXX ) ; this document was compiled after complaining numerous times of needing more information on the transaction so that USAA could locate the funds ; the option to reverse the deposit was never given to me. ] [ XX/XX/XXXX : By this time XXXX disputes had been submitted to USAA but the newest dispute contained the bank account number that the funds incorrectly went to so that USAA could locate the funds ; USAA responded funds posted as directed no error occurred. Refer back to sender to send letter of indemnity. Note that the previous dispute on XX/XX/XXXX gave XXXX options to rectify the issue ; after the funds had been located, we are now being told they can not remove the funds from the incorrect account without a letter of indemnity. XXXX more disputes have been submitted with USAA with no progress. ] [ I have called XXXX XXXX XXXX approximately XXXX times ; they claim that they are unable to transfer us to XXXX XXXX XXXX Each time they take my contact information and no one ever reaches out. We have also emailed XXXX ' and XXXX " requesting help and a letter of indemnity but made no progress. ] [ The only direction I received from XXXX Customer Service was to contact the following number XXXX ; from then on I am told someone in XXXX XXXX  will reach out and they do not return our request. ]
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 the items that are 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. Please delete the following items : XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.