23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX
Product: Debt collection

COMPANY NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, OHXXXX  ... ... .SETTLEMENT PLAN OPTIONS ... .. 
OPTION 1. {$1000.00} I CHOSEN OPTION 2 OPTION 2. {$1100.00} INSTELLMENT PAYMENT EVERY XXXX OF THIS MONTH AND PAY FOR TOTAL 6 MONTHS ( {$1000.00} ) I START PAYING 1. XX/XX/21 -- {$200.00} 2. XX/XX/21 -- -- -- -- -- -- -- -- -- -- -- -- -- -- {$190.00} -- PAID 3. XX/XX/21 -- -- -- -- -- -- -- -- -- -- -- -- -- -- {$190.00} plus {$4.00} -- PAID but I cancelled regarding {$4.00} that is protection plan they said it is not necessary after that they didn't charged XXXX payment intentionally I do not know why and I find that out XXXXbecause I must pay XXXX installment and I called them why did not charged? AT THAT TIME I PUT THEM INTHE MY DEBIT CARD NUMBER and I got the credit for {$4.00} to my bank account 4. XX/XX/21 -- -- -- -- -- -- -- -- -- -- -- -- -- -- - $ XXXX-PAID after XXXX paid I find that out the my credit report the debit amount it suddenly JUMP UP TO {$1700.00} I'm very frustrated and called them why you guys not lying? but they did not listen at all after I mailed documents what is going on but never listen and pay {$1700.00} because I missed XXXX payment but I do not missed if I missed how can I pay XXXX payment? they do not charged intentionally and now they just changed collection company I got the new collection company and they said pay? XXXX the new collection company is RADIUS GLOBAL SOLUTION XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX so please help me out still they call me every twice a day I can not sleep, eat, anything because of that. please solve the problem THANK YOU VERY MUCH
Product: Credit reporting, credit repair services, or other personal consumer reports

Im in the middle of refinancing my home and the lender can not access my credit report because Experian has a freeze on it. It is impossible to reach anyone on the phone which makes no sense to have a customer service line with no operators to assist.
Product: Student loan

I pulled my credit report on XXXX XXXX. And found a student loan to Great Lakes. The student loan was in Georgia I have never been to Georgia and no one I know goes to school there. The rep at Great lakes gave me address of person XXXX XXXX XXXX XXXX, ga XXXX and email XXXX XXXX
Product: Debt collection

XXXX XXXX are reporting two outdated accounts on my credit. I called XXXX and they stated that both accounts are 10 years old. Yet they continue to re-age the accounts and report them on my credit. I have been disputing these accounts with XXXX for a year now and they are still violating the Laws of the FCRA
Product: Student loan

I am XXXX. I asked for payments. They said no. 
I worked in XXXX 15 years and know the FDCPA, when to accept payments, and when to sue. They think I am ignorant of collection tactics and the FDCPA. I was XXXX by the State of California XXXX. I know the rules. 
1 ) NAVIENT said you were not in school XXXX XXXX to XXXX XXXX so no deferment. I said check XXXX I WAS ENROLLED. 
2 ) I graduated in XXXX XXXX and was already getting bills and default threats without time to try to find ANYONE who would hire someone with my XXXX, have time to start a business, or raise the money in other ways. 
3 ) I OFFERED to sign a contract Navient has online - I was told those applications are only for XXXX. 
4 ) If Navient defaults me, I can be sued. I can lose my apartment, other creditors will sue because Navient hits my assets. 
5 ) I cant get a job or another apartment because THEY CHECK CREDIT. 
6 ) I SAID I WANT TO PAY what fits my Social Security XXXX and can increase payments as I sell personal items. They said NO 7 ) They said they never got the doctor 's note I emailed them - the headers on emails do not lie, Navient does. Their representative kept me on the telephone until he verified they received the email and downloaded the PDF document of the doctor 's noted. I have the date, time, and person 's name from that ay on the phone AND HE gave me the email address of Navient 's XXXX advocate. 
8 ) I told Navient if I am unemployable, have a limited income, and rendered homeless, HOW CAN I PAY what they want when I COULD HAVE BEEN paying all along? 
9 ) Navient has never said, you can consolidate he private loans. I get MANY CALLS DAILY and US mail letters. I remember rules in the FDCPA about dunning and the amount of calls per day. Navient is an omnipotent entity - they feel they are except when it comes to the law, and they are woefully ignorant that SOME MONEY is better than NO money 10 ) although Social Security has affirmed I am XXXX, why does n't Navient think I am XXXX enough? They use XXXX to " determine '' who is an IS NOT XXXX? 
11 ) It is odd that collusion between Navient and XXXX insurance company is the acceptable format in deciding the extent of XXXX. 
12 ) Thee is NOTHING anyone can say or do because Navient has us by the throat - we do what THEY want, WHEN they want, or they will ruin our chance or employment via bad credit, ruin chances to rent an apartment vi bad credit, and NOT have to go bankrupt on all other creditors. 
13 ) Per credit and collection classes I had in XXXX, certain things creditors do force individuals into " an act of bankruptcy '' ( favoring XXXX creditor over another ) PLEASE HELP. I WANT to pay, Navient says NO, you can not. Why ca n't I consolidate the private loans and avoid dozens of phone calls per week and many hard copy mail duns per month? 
Thank you, A XXXX person according o doctors and Social Security
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 request for transunion to verify in accurate accounts on my consumer report I asked for them to send me documentation they have in their files that they used to verify these accounts ( FAIR CREDIT REPORTING ACT, 15 U.S.C - 1681g ) I have not received any response from Transunion regarding these accounts. I have asked for them to send me the documents and not to just send that they have been verified I would like documentation that show this and if not documentation is not there to immediately delete them under section 611 ( a ) ( 5 ) ( A ) ( I )
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( for card ) open a fraudulent account in my name with out my permission this account is not mine, I did not open this account, my information was used to open this account, XXXX just recently had a massive data breach and my information was leaked, someone open this account, please delete this account immediately and block it, I will be providing a identity theft report and information, This card is called the fit card by XXXX XXXX for XXXX Transunion delete and block XXXX XXXX XXXX XXXX XXXX, this account is fraudulent I did not open this account it was open in my name my identity was stolen and used Im sending information for yall to delete this account
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company ( Loancare ) reopened ( updated ) my bankruptcy account on my credit report on XX/XX/XXXX. I submitted a credit dispute on XX/XX/XXXX with XXXX. Due to this error my credit score has dropped almost XXXX points. My bankruptcy was discharged with no reaffirm on XX/XX/XXXX. My credt report is now showing an open account with a balance of {$63000.00}. It is also reflecting that any payments will be now be posting on this account! I reached out to Loancare twice and I received a notice stating they are " investigating ''. I NEED this matter resolved as quickly as possible. This bankruptcy had fallen off my credit ( 10 years ) and NOW it has been opened back up!!
Product: Credit card

I purchased a jewelry item from XXXX. Upon my attempt to return the item, I was informed that 60 days had passed, and I would be unable to return the item for store credit or return to card. However, there was no policy clearly stated throughout he store or on a receipt. The store clerk also did not ensure that I was aware of the store policy. I simply wanted to return the item because I had no use for it. I gave a copy of the receipt to the store as well as the banking institution as well as the store manager for XXXX. Still there is no resolve. This is in fact impacting my credit because I am struggling to keep up with the payments for an item that should have been returned to the store. The company should make their policy clear for the consumer so that they are able to make an informed decision regarding their purchase.
Product: Credit card or prepaid card

American Express continues to block access to my Optima account online, and has refused to send me hard copy of the bills on the account, starting in XXXX, XXXX. During all this time, I have made steady payments of {$45.00} per month on the Optima account, always for delivery from my bank checking account on or before the XXXX day of the month. 

My previous complaints to CFPB highlighted the fact that my payments on the Optima account appeared to be directed to my other American Express Account, the EveryDay Blue Card, while the Optima account showed no payments recorded. This same trouble with American Express accounting incorrectly for my payments has occurred 4 times in 4 separate years. In XXXX, XXXX, when this latest trouble with American Express began, I demanded hard copy of the bills on both of my American Express accounts, but my request was ignored. Then my online account access was blocked for both accounts. Thus I have no way to verify what payments are noted and which ignored, nor to summarize the endless list of fees assessed on this Optima account. 

Within the month of XXXX, I received 6 letters from American Express, 4 informing me that my Optima account is more than 60 days overdue, and 2 bills showing that my American Express Blue account is no longer receiving any credit at all for the American Express Optima payments. Thus, my Optima payments are being illegally taken by American Express with no credit for the payments allocated to either of my accounts. Furthermore, American Express has now illegally informed 4 credit reporting agencies that my account is overdue. 

I have no way of correcting this situation without the intervention of a regulatory agency, as proof of this illegal taking of my payments is not verifiable without bills or online access to this account. 

I am certain that other American Express Optima cardholders must be experiencing similar problems. I attach for CFPB consideration the online reviews for the American Express Optima cards available from XXXX and from XXXX, which make it clear that American Express does not treat Optima cardholders equitably. 

It is time for federal regulators to address the illegal actions of non-bank credit card companies, including American Express and XXXX XXXX. Managements of both American Express and XXXX XXXX have made public comments indicating that the rules affecting bank issuers of credit cards do not apply to them. In fact, the CEO of American Express said in XXXX " we are not a credit card company '' when making excuses for his decision to ignore federally mandated COVID relief requirements for credit card holders. 

A review of all of my previous filings with CFPB, including the years prior to XXXX, will verify that this situation with American Express has been repeatedly reported but has never been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

cfpb complaint # XXXX XXXX responded STATUS Company responded on XX/XX/2019 RESPONSE TYPE Closed with non-monetary relief Company 's Response MrXXXX XXXX, We have requested that the derogatory remark be removed from your credit report. 
DESCRIPTION OF NON-MONETARY RELIEF Account will be removed from the credit report. 

XXXX stated they will remove the remark but Transunion stated It will stay on as of XX/XX/19
Product: Credit card or prepaid card

Since the beginning of the month of XXXX my internet service has been laggy, buffering, or not connecting at all which still continued to occur after making a payment to my internet company using my CashApp prepaid card. As a result I disputed that payment and explained to CashApp why Im filing a dispute however they provided no information where I can submit actual proof like screenshots to show my side but instead they heard one word from the internet company and immediately took their side. Not fair and also not legal for this type of issue. Attached youll see an email from the FCC way back in XX/XX/XXXX when I originally submitted my complaint about my horrible internet service
Product: Checking or savings account

a thief used a phony driver license to steal money from my td bank account at XXXX, nj. The amount was {$2900.00}. I call TD bank every day and they give excuse that it is with XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I was scamed by someone posing as an XXXX care technician that said that my bank account was being charged for service totaling {$3500.00} and that they would have to reverse the. Payments to me by XXXX They were XXXX to trick me to down load and app called XXXX from there they started stealing money from XXXX XXXX a total of {$17000.00} I called my bank which is Bamk of America immediately unfortunately they said that they could not do anything because XXXX is like a cash payment
Product: Money transfer, virtual currency, or money service

When it come to claims, disputes, support team Cash app has the worst service ever. XXXX every issue or problem Ive ever had on cash app never got resolved never. I lost so much money using this app due to scams and unauthorized transactions sent I also feel like since using app my personal information been leaked
Product: Debt collection

Debt collector never attempted communication with me and just put and old debt that was discharged in a bankruptcy on my credit report. Furthermore, the state of TN requires debt collectors to hold a valid TN collections license which this debt collector does not have
Product: Credit card or prepaid card

This bank is horibke Im a loyal Credit card holder but at the time I applied I did not qualify and was told a secured card would be a good option Ive opened it and keep it in good standing pay on time and its over a year and they wont graduate my account and refund me My deposit they lied to me
Product: Student loan

I have had a private loan through XXXX College for a long time now. I started school bak in 2006 and since then I never found a job with the degree I obtain. I was told I would be placed in a XXXX and that never happen. I was told there was a law sue with XXXX college and that those that were lied to that there loans would be forgiven. I was with XXXX XXXX and then another company after that. Since then I was changed to Navient, who is a very hard company to work with and do n't want to help at all and do n't care to help. Since there are just here to collect the money they do n't care what went on with XXXX they just want there money. I currently owe over 97 thousand, and I am also currently in school right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to TransUnion was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX : {$790.00} XXXX XXXX XXXX Balance : {$630.00} XXXX & CO XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX : {$780.00}
Product: Credit reporting or other personal consumer reports

Reference is made to a previous Complaint XXXX. 

In early XXXX, the First Bank of Puerto Rico contacted me about my car loan payments that had fallen behind. Despite being informed of the reason for the delay, I received multiple calls from the bank within a short period, as per the official phone records attached ( exaggerated as 3 calls within 5 minutes ) from their number XXXX. Their actions were intrusive and harassing, and I refuse to tolerate such behavior. Unfortunately, their response did not provide a satisfactory resolution, and I am disappointed that their communication strategies were less than subpar. Their malpractice had a significant impact on my credit report and well-being, and I was unable to work and make payments as a result. However, I am confident that the CFPB will assist fairly and satisfactorily. I will not be intimidated by their previous tactics.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX SSN:XXXX  DOB : XX/XX/XXXX Complaint Summary : I am filing this complaint due to multiple inaccuracies and unauthorized accounts on my credit report caused by identity theft. .These fraudulent accounts consists of a personal credit card account opened at XXXX around XX/XX/XXXX account # XXXX, and XXXX XXXX around XX/XX/XXXX account # XXXX and other accounts at XXXX XXXX around XX/XX/XXXX account # XXXX, at XXXX XXXX around XX/XX/XXXX Account # XXXX, automobile loan opened at XXXX XXXX around XX/XX/XXXX account # XXXX, at XXXX around XX/XX/XXXX account # XXXX and XXXX XXXX around XX/XX/XXXX account # XXXX. I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and submitted supporting documentation to the credit reporting agencies, but these fraudulent accounts remain on my report. These accounts include collections, charge-offs, and loans that were opened & reported without my consent. 

Despite my formal disputes, these inaccuracies continue to damage my credit. Furthermore, I am opting out of all accounts in dispute, whether any consent was given in written, verbal, unwritten, or nonverbal form. I do not provide consent for any continued reporting or data sharing.

Key Issues : Identity Theft ( 15 U.S.C. 1681c-2 ) : As required by the FCRA, once I submitted my FTC Identity Theft Report, all fraudulent accounts should have been blocked within four business days. However, these accounts remain active on my report.

Accuracy of Information ( 15 U.S.C. 1681e ( b ) ) : The credit reporting agencies Transunion, XXXX, and XXXX  have failed to maintain accurate and verifiable information. These accounts are a result of identity theft, and I have provided sufficient documentation to prove they are not mine. 

Opt-Out Rights ( Gramm-Leach-Bliley Act, 15 U.S.C. 6802 & 16 C.F.R. 313.7 ) : I have exercised my right to opt-out of all disputed accounts. This opt-out applies to any consent that may have been obtained in written, verbal, unwritten, or nonverbal form. Despite this opt-out request, the disputed accounts are still being reported, and my personal information continues to be shared without authorization with third party companies, Transunion, XXXX, and XXXX. 

Privacy Act Violations ( 5 U.S.C. 552a ) : My personal data has been mishandled, in violation of the Privacy Act of 1974. There have been unauthorized disclosures of my personal information without the necessary safeguards or my explicit consent. 

Identity Theft Penalties ( 18 U.S.C. 1028A & 15 U.S.C. 1681q ) : The continued reporting of these fraudulent accounts also constitutes violations under identity theft laws. This has caused significant financial harm and distress.
Product: Credit card

A payment was returned after being made via automatic draft, since I forgot to update my account information. A block was placed on my card, preventing the use - even though a payment was made and it cleared my account. This has also happened once before and I never received any notification of why my card wouldn't work. Only after the embarrassment of having a decline occur when I knew credit was available did I call and received verbal confirmation of this policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Experian, XXXX, and XXXX to verify the accounts thats showing on my credit report as negative. I have no knowledge of the accounts and every request has came back verified without a proper investigation. I asked for dates, balances, and signed contracts. I have haven't received any proper verification that the accounts belong to me. The accounts don't match up and some are all there with the same account number twice but a different balance. I'm just asking for a veritication for the following accounts listed. 

XXXX XXXX Acc # XXXX XXXX Acc # XXXX XXXX Acc # XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX Acc # XXXX XXXX XXXXXXXX Acc # XXXX XXXX XXXX Acc # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX If after any reinvestigation under paragraph ( i ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verfied, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation.
Product: Credit reporting or other personal consumer reports

I have already filed a dispute with Equifax about accounts that have been charged off. I wrote a letter in the dispute saying that any charged-off accounts are now certification of indebtedness which is now income and income can not be reported on a credit report. Also, the account has been reported to my report recently. Which is a violation of The privacy of 1974, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1679c - Disclosures, 15 U.S. Code 6803 - Disclosure of institution privacy, and 15 U.S. Code 1681 - Congressional findings and statement of purpose. I will be attaching my letter and their response to just update instead of delete the account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX Balance : {$790.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Date of inquiry XX/XX/year> XXXX Date of inquiry XX/XX/year> XXXX XXXX XXXX Date of inquiry XX/XX/year>