23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to express deep dissatisfaction with the ongoing presence of fraudulent item on my credit report. After reporting this identity theft, I contacted the company linked to this fraudulent account. While they acknowledged the validity of the report, they cited an inability to provide records. However, they assured me that the fraudulent account would be swiftly removed. 

XXXX XXXX XXXX XXXX 

It is important to note that both XXXX and XXXX have already removed this account from their records after identifying and correcting an error. I find it baffling that your bureau continues to verify this account when the other bureaus have already removed it. I urge you to remove this account from my file, as they are riddled with inaccuracies, errors, incompleteness, or unverifiability.
Product: Credit reporting or other personal consumer reports

All XXXX XXXX XXXX XXXX XXXX, TransUnion and XXXX ) are fraudulently reporting illegal in accuracies. Per the FCRA, 16 CFR 313.7, Privacy Act of XXXX, as federally protected consumer, I have opted out of any and all authorization, that I may have granted in written or unwritten, verbal or nonverbal for my accounts negatively and fraudulently continue to be reported. Per 15 U.S.C. 1681, U.S.C. 1681b & 1681e, 15 U.S.C. 6801-6802, and 15 U.S.C. 6803-6805. The attached IRS Forms XXXX which were sent by the companies ( see top of documents ) which should have been processed by the companies using the IRS Forms XXXX XXXX, Form XXXX, and Form XXXX. I would like to also mention the charge-offs are now considered certificates of indebtedness which means they are considered income and can not be reported as debts which they continue to be illegally reported as debts. 

It appears the CRA agencies are allowing the companies to continue to report for XXXX when in fact all accounts were resolved in XXXX. This is inaccurate, illegal reporting. 
REFERENCE XXXX XXXX XXXX The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the XXXX. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The XXXX and Accurate Credit Transactions Act added many provisions to this XXXX primarily relating to record accuracy and identity theft. The XXXX XXXX  transferred to the Consumer Financial Protection Bureau XXXX XXXX the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority
Product: Student loan

These are Parent Plus loans ( 4 of them ) that started in XX/XX/XXXX with a consolidation loan for {$44000.00} a XX/XX/XXXX for {$13000.00}, a XX/XX/XXXX for {$6600.00} and a XX/XX/XXXX for {$6600.00}. 

The calculation of interest payments via various " forced forberance option ''. ( It is forced because Navient did not give any other option ) In my case my son studied a XXXX XXXX degree in Puerto Rico and attended college all the way to be a XXXX candidate at XXXX, from XX/XX/XXXX till now. Evidence for attendance to schools was always provided to Navient. 

NAVIENT claims that the 4 parent loans have accumulated interest and that the loans are now {$120000.00} + This is not right.
Product: Student loan

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. Major news media sources report that on XX/XX/XXXX XXXX XXXX and XXXX XXXX, at the behest of XXXX XXXX and the DOGE, gained access to sensitive DOE information. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 
This data breach represents departmental negligence, breach of contract, violations of statutory rights, and potential unjust enrichment. The unsanctioned accessing of these records without my consent represents potential alteration to my financial aid package, loan details, and/or servicing history. DOE & DOGE compromised the integrity of the loan process, undermined the legitimacy of loan records, and thus invalidated the loan terms as supported by the following : Breach of FERPA ( Family Educational Rights and Privacy Act of XXXX, XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX ( XXXX ) ( codified as amended at 20 U.S.C. 1232g ) which grants me the right to control access to my educational records. FERPA violations, such as unauthorized access or disclosure of a borrower 's educational records ( e.g., loan details, financial aid history ), undermine the integrity of the loan process. 
Failure to Comply with Title XXXX of the HEA ( Higher Education Act of XXXX, Pub. L. No. 89-329, 79 Stat. 1219 ( 1965 ) ) ( codified as amended at 20 U.S.C. 10701099d ) which governs the use and protection of federal student aid information and requires the Department of Education and its contractors to protect borrower information. Violations, such as improper use of FAFSA data or failure to secure borrower records, could undermine the legitimacy of the loan process. 
Violation of the Privacy Act of XXXX ( Privacy Act of XXXX, XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX ( XXXX ) ( codified as amended at 5 U.S.C. 552a ) which ensures that federal agencies, including the DOE, handle personal information responsibly. Unauthorized access or misuse of borrower data ( e.g., IRS tax transcripts, Social Security numbers ) constitutes a violation. Failure to protect borrower data which included IRS tax data, compromised loan servicing, exposed borrowers to identity theft, fraud, or other harm, and compromised the ability to repay the loan. 
The Department of Education is required to follow federal cybersecurity standards ( Federal Information Security Management Act of XXXX, Pub. XXXX XXXX. XXXX, XXXX XXXX. XXXX ( XXXX ) ( codified as amended at 44 U.S.C. 35413549 ) to protect borrower data. A data breach that exposes sensitive information could constitute a failure to meet these obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I got credit people to dispute with Ginny account I don't own no account like this I don't know my personal account like this and I asked for the coming to investigate it and to remove it and I said they just put on my credit report to my day going to let us stay then how you going to let something stay there and it don't belongs to you and then you said somebody use my name and my ID all my information and I don't recognize this and I don't want this account and I want it off my account and I mean it do I have to hire me lawyer to remove all this and plus I got some old account that has been on there for years old hospital bill and it also don't supposed to be on it I want it removed immediately all my credit report I'm going through some stuff now and trying to dispute a lot of stuff that don't belong to me and I asked for a dispute that Jenny account it's not mine I don't own no account somebody stole my identity use my personal information I want it removed from my account asap call when you're busy investigating something they supposed to get down to the nitty-gritty my ID was stolen seem like to meet at a new day job I want it removed I want to repeat it I want to dispute it off my account right now
Product: Student loan

I have emailed Nelnet 3 times. I am unsure of the first email. But the second one was on XX/XX/2023 and the 3rd email was sent on XX/XX/2023. I have tried calling a few times and on hold for more than an hour. I have also tried to research previous payments and there are non listed on my account. I was currently paying a little over {$300.00} through XXXX and Nelnet is wanting {$610.00}. THAT IS NOT DOABLE WITH MY INCOME! I can not get through, I am not recieving help and I am more than frustrated. My student loans have not decreased in the last 20 years and it's beyond frustrating that I have to deal with a different servicer that apparently lacks competency. Since loans have been postponed for several years, they should be more than prepared to answer any questions and hired/trained more employees to do so
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment entry on my record, as I have never been late in making payments. I request that this discrepancy be rectified promptly.
Product: Checking or savings account

XXXX ) Bought $ XXXX treasury XXXX in total using funds from my Citibank checking acct # XXXX XX/XX/XXXX Bought $ XXXX treasury XXXX for myself XX/XX/XXXX Bought $ XXXX treasury XXXX for my husband XX/XX/XXXX Bought $ XXXX treasury XXXX for my child XX/XX/XXXX Bought $ XXXX treasury XXXX for my husband XXXX ) Redeemed treasury XXXX XXXX XXXX transferred XXXX proceeds back to checking acct # XXXX XX/XX/XXXX redeemed {$10000.00}, XX/XX/XXXX redeemed {$10000.00}, XX/XX/XXXX redeemed {$10000.00}, XX/XX/XXXX redeemed {$10000.00}, XXXX ) As of XX/XX/XXXX my Citibank account balance saving acct # XXXX balance {$45000.00}, checking acct # XXXX balance {$12.00} XXXX ) XX/XX/XXXX, I requested to withdraw funds online, didn't go through, Citibank informed me that my account was being closed, and Citibank will mail me a check for the funds in the account. 
XXXX ) I waited XXXX months, Citibank never mailed the check. 
XXXX ) XX/XX/XXXX, Called Citibank for status of the check, was told that it's being processed. 
XXXX ) XX/XX/XXXX, Called Citibank again for status of the check, was told that no updates from back office, and would send an expedized request. 
XXXX ) XX/XX/XXXX, Called Citibank yet again for status of the check, was told that no updates from the back office, and would send an expedized request, and no account balance info could be provided XXXX ) XX/XX/XXXX, Filed a complaint with CFPB ( ID # XXXX ) XXXX ) XX/XX/XXXX, Citibank responded XXXX mailed a check in the amount of {$10000.00}, request proof of ownership of the other XXXX iBond proceeds XXXX ) XX/XX/XXXX, I responded to Citibank providing bank statement showing the fund was transferred to my Citibank account by TreasuryDirect. 
XXXX ) XX/XX/XXXX, Citibank requested XXXX transaction document to show ownership. ( Citi XXXX # XXXX ) XXXX ) XX/XX/XXXX, I downloaded XXXX transaction statement showing XXXX was purchased for myself, my husband and my child. 
XXXX ) XX/XX/XXXX, Citibank responded and instructed that my husband and my child should request to have funds deposited into their Citi account. ( Citi XXXX # XXXX ) XXXX ) XX/XX/XXXX, per Citibank instruction, My husband sent request to Citibank asking proceeds of XXXX in his name to be deposited to his Citibank account # XXXX, he also asked about the proceeds of our child, as she didn't have bank account. 

As of today, XX/XX/XXXX, we have not heard anything back from Citibank. From XX/XX/XXXX to XX/XX/XXXX, for 9 months, Citibank withheld our funds without any valid reason. I bought XXXX using funds from my Citibank account, once redeemed, XXXX automatically transferred the proceeds back to the same Citibank account. I felt helpless and extreme frustrated, please help us!
Product: Credit card

The creditor Capital One advertised 0 % promotional APR for 12 months on balance transfers. When I logged into the my on-line account, I looked for balance transfer offers and they had the offer for 12 months for 0 % APR for 12 months. he offer was 0 % on balance transfer with 3 % transfer fee and offer expiring before XX/XX/XXXX. I took the offer on XX/XX/XXXX and paid {$300.00} transfer fee. I then made my first payment in the amount of {$350.00} dollar on XX/XX/XXXX. They send me a statement for XX/XX/XXXX charging me {$210.00} finance charges, charging me 26.24 % interest charge. No promotional rate, same rate as purchases. The {$300.00} transfer fee was charged to my account " Special Rate Offer - Fee ''. I called customer service, they couldn't find any such offers and told me they couldn't help and I had to pay it. They can't find any offer where they would charge 3 % transfer fee and you would pay same rate as your purchase rate 26.24 %. 

This is unacceptable. I have done balance transfers before and never seen this before. 
The offer on my existing account was 0 % APR for 12 months with 3 % fee. They are now charging me 26.24 % on top of the 3 % transfer fee.
Product: Credit reporting or other personal consumer reports

I have disputed unauthorized hard inquiries present on my credit reports provided by XXXX, TransUnion, and XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( 7 ), 15 U.S.C. 1681 ( e ), 15 U.S.C. 1681 ( b ) ( c ), and 18 U.S.C. 242. I request a thorough investigation into these unauthorized inquiries and their immediate removal from my credit reports. Ive sent letters and yet they still are on my credit report and all three Credit agencies are past their 30 day response to my complaint to my credit report. 
Upon reviewing my credit reports obtained from XXXX, TransUnion, and XXXX, I have identified several hard inquiries that I did not authorize or recognize. These unauthorized inquiries have negatively impacted my credit score and financial standing. 
As per 15 U.S.C. 1681i ( 7 ), XXXX, TransUnion, and XXXX are required to conduct a reasonable reinvestigation of disputed items upon receipt of this dispute letter. Additionally, the inclusion of unauthorized hard inquiries on my credit reports violates 15 U.S.C. 1681 ( e ), which mandates that consumer reporting agencies maintain accurate and up-to-date information on consumer credit reports. 
Furthermore, the unauthorized hard inquiries may also constitute violations of 15 U.S.C. 1681 ( b ) ( c ), which outlines the duties of consumer reporting agencies regarding the accuracy of consumer information, as well as 18 U.S.C. 242, which prohibits deprivation of rights under color of law. 
I am enclosing copies of my credit reports highlighting the unauthorized hard inquiries. I request that XXXX, TransUnion, and XXXX provide me with written notification of the results of the investigation and any actions taken as a result. 
Furthermore, pursuant to 15 U.S. Code 1681g and 16 CFR 660.4, I request updated copies of my credit reports from all three agencies reflecting the removal of the unauthorized hard inquiries. Additionally, I request information regarding the source of these unauthorized inquiries, as provided under 15 U.S. Code 1681 q and 15 U.S. Code 1681b. 
The following Inquires XXXX -15 U.S. Code 1681b XXXX XXXX XXXX  USA INQUIRY DATE : XX/XX/XXXX XXXX XXXX- INQUIRY DATE : XX/XX/XXXX XXXX-15 U.S. Code 1681b XXXX XXXXXXXX XXXX- INQUIRY DATE : XX/XX/XXXX XXXX XXXX XXXX : INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX TRANSUNION-15 U.S. Code 1681b XXXX- INQUIRY DATE : XX/XX/XXXX XXXX INQUIRY DATE : XX/XX/XXXX XXXX  INQUIRY DATE : XX/XX/XXXX XXXX INQUIRY DATE : XX/XX/XXXX Failure to address these unauthorized hard inquiries and adhere to the FCRA 's requirements may result in further legal action, including but not limited to pursuing remedies available under the law.
Product: Bank account or service

On XXXX XXXX I deposited my paycheck and another check at a US Bank branch inside a XXXX on XXXX XXXX in XXXX, CA. I asked the teller to deposit {$500.00} of the $ XXXX deposit into my savings account. He, instead, transferred out of my account {$500.00} into my secured credit cards savings account. This did not result in an increased limit on my credit card. The money was tied up in an account that I had no access to for 5 days. It was finally corrected on XX/XX/XXXX when the branch ( after many hours and managers in the US Bank customer service line ) finally released the funds and transferred them into my checking account.
Product: Mortgage

At XXXX on the morning of XX/XX/2018 Senior Sales Agent XXXX XXXX from Quicken Loans called me to inquire about information that I filled out online. Within 5 minutes, he proceeded to explain how he was going to help me today and without verifying my identity, gave me a full name, DOB and social security number of an individual whose information ... ... I could have easily written down and saved for myself to steal the identity of? He then repeatedly called me from his personal cell phone and other work numbers to try and pretend like it wasnt him so he could get me to tell him who I was, which Im sure personal cell phone use is against the company policy. He has been doing this for 15 years he says and I wonder how many identities have been stolen from XXXX XXXX. Seems like he is notorious for making his own policies. Please investigate.
Product: Bank account or service

Wells Fargo opened numerous accounts that were unauthorized starting approx. XXXX, including XXXX credit card. One time a significant amount of money was transferred into my new account. I brushed it off as employee incompetence, and because I had a large number of automatic withdrawals coming out of that account each month, chose not to change banks. 

After hearing that Wells Fargo did this millions of times, I called to have my account closed immediately. I had a previous issue with overdraft fees being charged that should not have been charged, and an unauthorized transaction in the amount of nearly {$4000.00}, so I was overdraft at the time. On Sunday, XXXX XXXX, XXXX, I called to finally close my account. I told them I had been the victim of the fraudulent schemes and was sick of being charged overdraft fees for unauthorized transactions. They refunded enough fees to get my account to a balance of XXXX and told me it was closed. 

I wanted my account closed immediately due to fraud, and notified the multiple companies whose payments were debited automatically from that account, however most told me that the pending payments could not be stopped. Wells Fargo in fact apparently did NOT close my account, and charged me, as of today, nearly {$1200.00} in overdraft fees for these transactions I was not able to stop. ( The whole reason I went to the trouble of closing my account was because they committed fraud and forgery to begin with, which was their doing to begin with. ) After calling their customer service number, I was told they would waive approximately 15 % of the fees. I told them I was n't paying any of the fees because I had to immediately close my account due to their fraudulent activities and could not stop the automatic payments. Furthermore, I do not understand how a " closed '' account could incur those fees. They accused me of not having closed the account, even though all my other accounts were closed that day, and I have phone records to prove I was on the phone that day XXXX XXXX XXXX ) with them. Furthermore, they credited exactly enough fees to bring my balance to {$0.00}. They accused me of lying. My wife heard the conversation as well. 

Finally, I began receiving autodialed calls trying to collect the overdraft balance that I do not owe. I told Wells Fargo they were harassing me and I did not ever wanted to be contacted by their bank again, for any reason. They responded that they took my phone number off the account but that I may receive future calls because my account is overdraft. I responded that I would sue them for harassment if they did not leave me alone. 

I want my account CLOSED, the fees that I DO NOT owe taken off, and I want Wells Fargo to stop harassing me immediately. Further, I want compensation for all the time I have wasted the past 3 years dealing with their fraudulent accounts and fees.
Product: Credit card or prepaid card

I have a Capital One credit card. My most recent payment was Due on XXXX XXXX, 2022 I mailed out my payment on Sat. XXXX XXXX, 2022 but I post dated my check for the due date because that is also the date that I get paid. However Capital One cashed my check on XXXX XXXX, 2022 before I got paid and now I have a negative balance in my checking account
Product: Credit reporting or other personal consumer reports

Chexsystems company is reporting information that is inaccurate or misleading. They have caused a checking account to be denied. I am in the process of moving and this is causing financial damages and untold stress. 
I contacted them on the phone and they directed me to their website. The website is completely unworkable and defaults to constant errors at every page. They offer to mail me a copy of my report but were unwilling to help in any way. 
This is causing me and our family tremendous stress and potential financial loses.
Product: Credit card

Good afternoon : The complaint I am bringing forward is towards PenFed Credit Union.

I have been paying a Credit Card with Pen Fed Credit Union during the past 10 years.

I was laid off in XXXX and requested they provide me a payment plan and they provided me a {$150.00} fixed payment which I have been paying ever since.

The card was actually closed. The balance when this agreement began I believe was at {$8000.00} cap.

During the past 10 Years I have been making a $ XXXX monthly payment which when you add up sums up to over $ XXXX. 
12 months x {$150.00} = {$1900.00} yearly x 10 years already sums up approximately to more than $ XXXX ; almost 3 times the original amount of debt.

Recently I have been a bit delayed on payment and they are constantly either calling, texting, emailing for the delayed balance and have even reported this delay to the Credit Bureau impacting my Credit. They do not negotiate any type of agreement to have the credit amount cancelled, not even considering the amount of money already paid.

The Only History of Payments on System that I can view as well as the Representatives at Pen Fed are from XXXX. All the Payment History does not appear.
Product: Debt collection

I signed a 1 year lease agreement with The estates at XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX XXXX.That was in XXXX tx XXXX 
Rent, water, sewer, parkingXXXX  paid each month in 1 bill. 
Rent itself was {$1300.00} plus other charges mentioned above. 
XX/XX/XXXX, i paid to them the amount of {$1600.00} { rent plus all other charges } XXXX, XX/XX/XXXX i rented a XXXX truck to relocate from XXXXXXXX tx to XXXX ohio. 
My 1 year lease agreement in XXXX ohio was signed with XXXX XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX. 
I was surprised to see a collection agency asking me to pay {$3800.00}, asking the same amount to my wife too. 
I disputed with them, as response they said '' i moved out on XX/XX/XXXX which is wrong. 
They said again that i gave the move out notice on XX/XX/XXXX which is wrong.The notice was given in their required time { 2 months before }. 
Estates at XXXX XXXX  or National credit system can not prove that in XX/XX/XXXX i was still in XXXX tx.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I dont have exact date but sometime between June 2024-August 2024 Cashapp had closed my account for some random reason happened to many other people all over the U.S. and when they closed down my cashapp I had over XXXX dollars in my savings. Chatting with there aibot I asked over and over for my funds or my account to be restored no answers even tried calling the number didnt get any help from them either so that why Im filing my complaint.