23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/2021 I received an unsolicited solicitation for a student loan. 

This mailing contained NO INTEREST RATE information other than " no payments until after graduation ''. This appears to be fraudulent scam mail, and I believe it is illegal. I will NOT respond, of course, so I have no account with this business. If it is not illegal to entice and entrap consumer students in this way, it should be illegal! I will be contacting my XXXX Representative with this information. 

The source was : DISCOVER Student Loans, Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX
Product: Student loan

I borrowed from then XXXX, now Navient, a total of about {$8000.00} in XXXX separate loans. This is on top of my federal loans that I currently had to put in to forbearance. The loans were all to cover on-campus housing expenses, transportation costs, and supplies for school. At the time, I had no other options and was forced to have my father co-sign on all XXXX loans. I do not feel I was properly prepared to take these loans out and did not anticipate how aggressive the repayment terms would be. I am now almost XXXX payments behind and have done voluntarily forbearance twice, with a significant fee, to prevent default. Navient frequently harasses both me and my father XXXX the co-signer XXXX numerous times during the day and even late at night. I currently work as a paramedic and my father as an elementary school principal. I have attempted to express what I can afford per month, which is less than what Navient wants. I have given them a complete financial review of all my expenses and they still claim that I have enough to afford my monthly payments. I have been berated and made to feel bad about borrowing the money, even times when the representative will say " It 's only {$8000.00}, why ca n't you pay this back? ". My credit has suffered due to my accounts with Navient. I am unable to refinance and can not seem to qualify for any consolidation programs. I feel like I am running out of options and Navient continues to bully both me and my co-signer. 

I obtained these loans while attending the University XXXX XXXX Florida between XX/XX/XXXX and XX/XX/XXXX. 

Thank you.
Product: Consumer Loan

I currently have a loan with Santanders Credit Consumer. I took out this loan is XXXX 2015 from XXXX. I have been making all my payments on time. I have actually been paying off more on the loan than the minimum payments. Santanders had been reporting the status of my loan to all XXXX credit bureaus since I opened the account. When XXXX stopped using Santander as a finance company for their business, Santanders stopped reporting to all XXXX of the credit agencies. I have called customer service numerous times and they keep telling me that they report to all the credit bureaus on the XXXX of every month, but for the last two months they have not shown on any of my reports. They keep telling me that they are working to fix the situation but still nothing has shown on my credit report. When Santanders removed themselves from my credit my credit score dropped dramatically.I do not think this is fair especially since I am still making payments and I would like this good credit history to reflect on my credit report. Although Santanders is no longer doing business with XXXX, my account is still open and not closed so I do not understand why they are not reporting it. If I was not making payments I am quite sure they would report that! I am just asking please fix this issue because I am in the process of of trying to purchase a home and I need this to reflect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # : XXXX, XXXX # : XXXX, XXXX XXXX INT # : XXXX XXXX XXXX # XXXX and XXXX XXXX # XXXX, has violated my rights. 

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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Equifax ( https : //www.equifaxsecurity2017.com/potential-impact/ ), my personal information was obtained by hackers on Thursday, XX/XX/XXXX and now I 'm at risk of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Delete these unauthorized credit inquiries. 
XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022 and XXXX XXXX XX/XX/2022. 
And I attached a copy of theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX HOSPITAL ) XXXX
Product: Credit card or prepaid card

XX/XX/XXXX Called bank that their was a charged of XXXX on my account that i did not make from a store name XXXX in New York. The same day a box was delivered by XXXX  with merchandised from this store it had no invoice or paper work inside the box. I tried calling the store, but because the store only get emails it did not return any of my emails because i did not gave any information regarding the invoice. On XX/XX/XXXX I received a letter from chase that the charge was correct and that they close my complaint because a box was delivered to my home from the store. The next day XX/XX/XXXX we called Chase again regarding the claim being denied they said that we have to return the merchandised which cost me XXXX to sent back and they told us to call chase back and give them the tracking number so we did call them and gave them the information. On that same day I filed a complain with the XXXX  regarding my situation with the store two days later they reached out and said they would process my refund once they received the merchandise.They received the merchandise and tried to refund the money but since my card was closed they cant refund it. I have called chase and their no help they cant find the calls we made them when they said to send the merchandise back or they drop our calls or make us wait 30 minutes for some one to  answer.The XXXX  sent us a copy of the invoice on XX/XX/XXXX all the information was incorrect the phone number was from someone in florida and email was wrong so i dont get it when chase said that they wore able to prove that i was the one who purchased it.??? It has been a rough 2 months because XXXX plus XXXX for shipping and not working has made it hard.
Product: Money transfer, virtual currency, or money service

Beginning on XX/XX/2021, I opened a Coinbase account and transferred {$5000.00} into Coinbase. On XX/XX/2021 I expanded my account to Coinbase Pro. On XX/XX/2021 I added another {$3000.00} to the account. I made a few trades. On XX/XX/2021 I tried accessing my account and was locked out. I contacted Coinbase via every way I could find and only received canned letters saying it was being reviewed. On XX/XX/2021 I attempted to check the status of the " review '' and received a reply saying the problem was resolved and closed. It was not and I remained locked out of my account. I filed another complaint on XX/XX/2021 and other than a confirmation of the complaint, that is the last I have heard. I can not open or even view the status of my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX/XXXX, XXXX XXXX, and NORDSTROM/TD BANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and XXXX/XXXX, XXXX   XXXX, and NORDSTROM/TD BANK  with no successful resolution. There was definitely an error on their part.
Product: Credit card or prepaid card

I was given an offer while logged into my American Express account online to receive XXXX Membership Rewards Points for opening a American Express XXXX XXXX XXXX after meeting terms and then also XXXX Membership Rewards Points for opening a Business ' Checking account through American express after meeting the terms and conditions of offer. In addition, there was a bundle bonus offer for XXXX more Membership Rewards Points for opening the credit and checking account at same time. I received the XXXX and XXXX points for the credit card and checking account but did not receive the XXXX bonus offer. I have called several times to American Express and been given different/incorrect information. A complaint was filed on my behalf on XX/XX/23 and was told that I would receive update in writing withing 6-8 weeks. I did not receive anything and called today after the 8 week mark to be told that case was closed and nothing would be sent in writing. I was told by a supervisor that the reason why I was denied is that a pop-up advertisement while signed into my unique log-in on americanexpressXXXX  does not qualify as a " solicitation '' of said offer. I am seeking your assistance as I am sure that the commission will agree that this indeed was a solicitation and will help in my pursuit to get the XXXX membership reward pints that are due to me. Thank you for your time.
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 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 items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX  XX/XX/2020 XXXX  XXXX XXXX
Product: Student loan

I have qualified for XXXX XXXX XXXX XXXX since XX/XX/2021. I submitted my XXXX form for it to be rejected for information that was provided in the form. On my XXXX form, it clearly indicates that I am still employed with my qualifying employer but my application got rejected because " Your employer provided an employment end date on your XXXX Form that is more than 60 days prior to the date we received your form. Therefore, we are unable to confirm if you are still employed with that employer. You must be employed full-time by a qualifying employer when you apply for and receive forgiveness under XXXX or XXXX. '' I've tried calling customer service since XX/XX/XXXX to no avail. On the main Fedloan number, I'm on hold for 90+ minutes, only to have the call disconnected. This has happened numerous times. I've called a Fedloan contact by the name of XXXX and left messages. She has not returned my calls. I've messaged Fedloan on XXXX and received no reply back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my consumer report and noticed several non mailable addresses and other incorrect personal information. To ensure I receive all mail from the United Postal Services, heres my corrected address XXXX XXXX XXXX XXXX, GA XXXX as all others are not reportable as per the FCRA, since they are inaccurate. I do not desire a phone number be listed My name should also read : XXXX XXXX XXXX, My Date of Birth is : XX/XX/ My employer is : XXXX XXXX XXXX My Social Security no. : XXXX Remove any and all other information to relinquish all identity theft claims as the information you are reporting is not mine. 

XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> XXXX XXXX went into the Main Branch of Bethpage Federal Credit Union and with the assistance of a Bank Teller made a " Pay Down Payment '' to a {$0.00} balance on our Line of Credit. 

Nevertheless, Bethpage FCU is reporting a Late Payment for XXXX, XXXX AND XXXX, WHICH IS NOT POSSIBLE based upon our Bank Statements which show {$0.00} balance throughout XXXX. In addition NO LATE FEES WERE CHARGED in XXXX and XXXX. And finally, reviewing the Bank Account XXXX proves that we made a " Regular Payment '' in XXXX, and we were charged TWO " Regular Payments '' in XXXX the day prior to the " Pay Down '' which was done at the Main Branch. We included the XXXX Bank Statement to prove a " Regular Payment '' in XXXX as well as NO LATE FEE. 

Previously our Line of Credit payments were set up to be automatically withdrawn from our Savings Account. We were never notified of a missed payment, or a late payment, by either mail or email. If we had been, we would have immediately responded because we are diligent in keeping our Excellent Credit Score rating. We have not had a late payment to any account in over XXXX XXXX 

The only notification that we received that there was an issue was from the Credit Reporting agencies which unfortunately was too late to maintain our Credit ratings. 

As previously stated, on XX/XX/year> I went to the Bethpage main branch to complete the payoff of the balance in person with the assistance of a bank representative : XX/XX/year> Principal Receipt Transfer From XXXX {$2000.00} - Line of Credit Balance {$9100.00} XX/XX/year> Pay Down Payment {$9200.00} - Line of Credit Balance {$0.00} Although the Line of Credit Balance was {$0.00}, the system continues to make {$530.00} payments from our Savings account to the Line of Credit Account on XX/XX/XXXX and XX/XX/XXXX. There were ample funds in the Savings Account and the Unapplied Funds in the Line of Credit account were automatically re-deposited back to our Savings Account. 

XX/XX/year> Unapplied Disbursement - {$530.00} Unapplied Receipt Transfer From XXXX {$530.00} XX/XX/year> Unapplied Disbursement - {$530.00} Unapplied Receipt Transfer From XXXX {$530.00} Perhaps the Unapplied Funds somehow generated late payment notifications to the Credit Reporting System if this is correct, then Bethpages system has to be fixed.
Product: Student loan

My information was accessed by the unauthorized personnel currently invading the department of education.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, have contacted the companies to confirm the information on the credit report and confirmed that the information is correct. by doing a deep look through my credit report I noticed that some of the information was not accurate. 

XXXXXXXX XXXX XXXXXXXX XXXX Account number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX of {$4400.00} In accordance with the Fair credit reporting act acct # XXXX has violated my rights. 

15 U.S.C 1681 section 604 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it's also stating a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

this company was a trying to repo the car even though I sent them payments and they they never told me they was reposing the car. They kept all my items in the car and refused to give them to me. They sold the car, they refuse to update the information correctly or remove this off my credit report. They never sent me anything to fill out and they never tried to give me the opportunity to redeem the car back.
Product: Debt collection

On XX/XX/2021, a collection agency called Amsher Collection Services reported to the credit bureaus that I owe {$990.00} for XXXX XXXX. I have never been a customer for XXXX. We've had XXXX XXXX for decades continuously and would have no reason to add a XXXX network. 

I disputed the item through the credit bureau processes, but the response came back as the debt being confirmed. I then contacted Amsher directly on XX/XX/2021 by both phone and email. They later sent an email acknowledging receipt of my inquiry but to date, I have not heard anything. I also contacted headquarters of XXXX  in Colorado, who were able to confirm immediately that I was NOT and NEVER, have been a customer for XXXX 

I have worked extremely hard to clean up my credit and raise my score as bad credit was having all kinds of negative ramifications in my life, but Amsher has destroyed my efforts with no resolution in sight, and it is hampering my efforts to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent disputes to Transunion three times and they sent a stall tactic letter in response every time. no investigation was done! this is extremely frustrating
Product: Checking or savings account

Not sure on dates but I have called many times about my account being charged twice for or for example the other day I only had XXXX dollars in my checking use it on gas next day it's saying XXXX XXXX dollars over how the XXXX this has been going on for years I have complained for years and nothing is solved the right way
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain inaccuracies on my credit report that I have recently reviewed. Upon closer examination, I have found errors, as well as accounts that appear to be fraudulent or unauthorized. Please find the details below : XXXX XXXX XXXX Opened : XXXX Showing an amount of {$3400.00} then {$4000.00} XXXX XXXX XXXX Opened : XXXX {$170.00} I request that these discrepancies be thoroughly investigated and corrected. Please remove any fraudulent or inaccurate accounts from my credit report as soon as possible. I would also appreciate receiving confirmation of any updates made to my report.

Attached are any supporting documents that may assist in resolving this matter, including copies of identification and evidence of the disputed accounts.

Thank you for your prompt attention to this issue. I look forward to your swift resolution. 

Kindly!
Product: Credit reporting or other personal consumer reports

I opened a Parent Plus Loan with XXXX XXXX in the amount of {$32000.00}. On XX/XX/2023, I paid the loan off in full. My account at XXXX XXXX now shows Paid in Full balance {$0.00}, but as of XX/XX/2023, my credit reports ( Equifax and XXXX ) do not show the updated balance nor do they show closed. 

I submitted a dispute to XXXX letting them know the account balance should show {$0.00}, but they responded with this statement. " We investigated this item, verified it belongs to you, and updated : Date Updated; Last Payment Made ; Terms ; Historical Trended Data. Here is how this item appears on your credit report following our investigation. '' I did not dispute the account ; I disputed the balance showing for this trade line and that the account still shows open and should show closed. They did not address my specific request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint to Equifax citing a violation that they made against me against as such : n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX ( Equifax ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

However during the companies response on XX/XX/XXXX the company made no mention of my exact complaint nor their violation of my rights as stated above. 

Further failure to acknowledge their violation and my proposed solution within 14 days of this complaint will force me to escalate this problem with the CFPB, XXXX and the attorney generals office as well as but not limited to other legal actions available to me.
Product: Checking or savings account

My name is XXXX XXXX and someone stole or somehow got my card in some drive thru or something and sent themselves {$500.00} through XXXX XXXX on my wells fargo account without my permission
Product: Vehicle loan or lease

My account was transferred to XXXX XXXX XXXX XXXX account number XXXX the we reached and agreement to settle paid XX/XX/20. Requested they report to vw credit to adjust my credit file not completed to date still shows a balance.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. 
Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

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

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.