23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello, I 've now been out of Navient 's autopay system for two months. The reason I declined autopay was because, all my loans were lumped into one payment. I wanted individual loans so I could pay more than my minimum payment each month on certain loans. So after being harassed by Navient for wanting to change my loans ( all within my rights ), this was finally done back in XXXX. Furthermore, after I made my XXXX payment, 3 days in advance of due date. The first issue, after the payment was removed from my bank account and cleared. Navient had my account showing past due, I was receiving emails and messages related to my account being past due on the due date. All this was happening, while my bank account was already debited for my student loan account. After calling Navient, they removed the past due and apologized. Now we are in XXXX and I paid my bill 2 days before due date. The payment has now cleared my bank, however, now my Navient account is showing past due. How is this fair and legal? 

I have paid my bill on time and the money has been cleared from my bank account. However, navient has the criminal negligence to put my account past due. This is absurd. Additionally, I try to call and there is a 30 min wait time. I believe Navient is mad that I took my account out of Auto-pay and requested my loans not be grouped together, so I can pay off my loans faster. Please look into this matter. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by XXXX  at XXXX this morning that there was an account added to my equifax credit file. The alert had no specific information as to what was added so I selected the option that " it was not me '' I called XXXX to find out what was added to my credit file and they did not have any information to provide to me either. I was told to contact equifax and i did but i got agents asking me to take a picture of my id to send to them ( I did not do ) and asking questions that i couldn't possibly answer because they wanted information from decades ago. they stated their system could not verify me ( they can't determine when they have the actual legitimate person on the line ). I went to try to view my credit report online to see what was added and again, their online system could not verify me with the basic information it was requesting ( SSN, DOB, current address, ETC ). I do not have access to my own information but they allow frauds to use my information to get goods and services and then i have to fight with them to find out what is going on. I Cant get a credit report or any information on my credit file.
Product: Debt collection

Lendmark Financial The account is due I the XXXX of every month however they are calling harassing starting on the day ( s ) before the due date. The calls then comes several times a day and respresentatives are being rude.
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. 
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
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a 47.6k purpose.
Product: Debt collection

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report on XX/XX/2022, and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XX/XX/2022, XXXX XXXX XXXX XXXX TransUnion has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of these reporting Accounts : XXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX : {$420.00}
Product: Debt collection

I asked on XX/XX/XXXX at XXXX that they stop calling me. They called again on XX/XX/24 at XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX  XXXX XXXX {$530.00} Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Original creditor : XXXX  {$470.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Original creditor : XXXX {$1800.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$530.00} Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Original creditor : XXXX {$470.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXXXXXX, XXXX Original XXXX XXXX XXXX {$1800.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX  XXXX Original creditor : XXXX {$3600.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$530.00} Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX XXXX & XXXX Original creditor : XXXXXXXX XXXX  {$470.00} Account number XXXX Date opened XX/XX/XXXX XXXX Original creditor : XXXX XXXX {$1800.00} Account number XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Date XXXX XX/XX/XXXX XXXX
Product: Debt collection

VALIDATION CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA, XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Subject : Debt Validation Request Dear IQ Data International, I have received correspondence regarding a debt collection and need to verify that you have contacted the correct individual. I am writing to request validation of the debt you have reported to me in your recent communication and am requesting that you provide documentation supporting this. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt. Please provide me with the following information regarding this debt : XXXX. A detailed contract showing the amount owed exists along with verification of the debt amount you are attempting to collect. 
XXXX. The name and address of the original creditor to whom the debt was originally owed and the current creditor. 
XXXX. Documentation showing that you are authorized to collect this debt, such as a copy of the original contract or agreement. Include documentation showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please provide this information within 30 days from the date of this letter. During this period, I request that you cease and desist all collection activities until you have provided the requested validation. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. 

Please note that this request does not acknowledge that I owe the debt. If you are unable to provide validation, please remove this entry from my credit report and cease all further collection efforts. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for help with car repairs. You have 90 days to pay off with no interest on the loan. The loan company left out that if payment is return all the interest roll back on your account. My bank return a payment to them. But with in week the company put back though my account. It was payed. So check my balance. because this month. I was paying off. I only owed {$300.00} dollars. Because the return check they throw out the deal charge me all that interest and fee. They told me it was void out. I told no body told me that. She said its in my paper work. I didnt know that. Thats how they make there money. Thats not fair. I will never deal with this company again. I have been on time with my payed. This was the first time. This company sucks dont care about there customers. This company suppose help you not harm you. Now am owing {$420.00}. This is not fair. They should be shut down just paid loans.
Product: Credit card

Re " XXXX Transaction : XX/XX/year> : XXXX XXXX XXXX XXXX XXXX  - {$3000.00} XX/XX/year> : XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/year> : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$38.00} I found out about the above fraud transaction and reported to American Express back in early XXXX, XXXX. In stead of taking any action against it, American Express decided to terminate the business relationship with me, denied the fraud claim without a specific evidence and closed my account. I tried to reopen the claim on XX/XX/year> and it was automatically closed the same day without further investigation or giving me a chance to submit more evidence. This is against the consumer right of the US government laws. 

By this complaint, I respectfully request American Express to fulfill the duty of protecting customer from fraud transactions and approve the claim. I also would like to submit additional documents for evidence that the transactions are really fraud transactions. 

I contacted all the merchant and got XXXX responses from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Both of them confirm that the charges are fraud but as the fraud claim is already asserted, they advised me to submit the information to the bank to get the money back. XXXX XXXX XXXX confirmed there is no student associated with the payment and the payment has no relation to me as a card holder. 

XXXX XXXX XXXX XXXX also confirmed that on that day, the card was input by the card number and not the actual card by a group of players named XXXX XXXX from XXXX. I live in XXXX which is far away from XXXX. 

The suspect name is XXXX XXXX. 

Please see the attached file for the email from the merchant for the fraud confirmation.
Product: Credit card

Company is Best Buy, XXXX XXXX DC - Monday XX/XX/2024 my XXXX Phones did not work. On XX/XX/XXXX I went to the XXXX Store in our town and determined someone from a Best Buy iin another city had an in Store purchase accessed our XXXX account and disconnected our devices, they tried to set up other devices on the account. XXXX fixed our account. Today XX/XX/XXXX, we have emails stating an credit card was set in our name with {$1900.00} dollars worth of charges on a Best Buy Credit card. I would like Best Buy to delete/purge their system of my profile/information from their system and provide me proof of no other existing credit accounts. If this can't be done freeze our accounts from any additions to be created.
Product: Credit reporting or other personal consumer reports

I did not give expressed written consent to or authorized any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy. Please be reminded, no consent is identity theft. 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 4. XXXX XXXX XXXX. I've requested that the company send me a letter giving permission to report this to my credit profile according to pursuant 10 15 USC 1681-C 2 and they have failed to so. I demand that these accounts be removed promptly from my credit profile within 4 business days. Thank you for your timely compliance.
Product: Credit reporting or other personal consumer reports

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

I was looking at my report and notice there were some things that was not correct. I sent a letter to Experian on XX/XX/year>. But it has been more than 35 days since the credit bureaus haven't responded. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), it the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed intormation is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice
Product: Credit card

I found out XX/XX/XXXX that there was an additional credit card added to my Wells Fargo account for {$20000.00}. I called Wells Fargo on XX/XX/XXXX to confirm that this was an additional credit account and not just an upgrade to my original account. They confirmed that another card was opened. I never requested a new credit card account. They also told me that they sent a notification letter to an address that I lived at over 15 years ago and then sent the card to a different address that I lived at over 10 years ago. Neither of these addresses were the current address on file, so I don't understand why the card or any other information was sent to them. Given Wells Fargo 's history of opening accounts without permission, this situation should be looked into again. 

I will note that the staff on the phone were very courteous and understanding of my frustration. They closed down all of the accounts as I requested on XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX are all inquiries that I did not and never authorized to run my credit, I have not asked for them to be run my credit and have no business with them. XXXX XXXX XXXX has a collection on my credit report and I have no business, nor have Fraudulent Collection Accounts : The following collection accounts have been inaccurately attributed to me and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balances : {$810.00} and {$210.00} The CRAs failure to remove these unauthorized inquiries and fraudulent accounts, despite my disputes, constitutes a violation of the FCRA Legal Violations : Failure to Ensure Maximum Possible Accuracy ( FCRA, 15 U.S.C. 1681e ( b ) ) : The CRAs are obligated to maintain accurate information on consumer reports. Reporting unauthorized inquiries and fraudulent collection accounts is a direct violation of this requirement.

Failure to Conduct a Reasonable Investigation ( FCRA, 15 U.S.C. 1681i ( a ) ) : Ive asked numerous times to remove any address from my Credit report thats only has my ID and Bill addressed that has not been removed. Upon receiving my disputes, the CRAs were required to conduct a reasonable investigation into these items. Instead, they claimed the information was verified without providing supporting documentation or details of their investigation.

Unauthorized Inquiries ( FCRA, 15 U.S.C. 1681b ) : A credit inquiry must have a permissible purpose. The above-listed inquiries were made without my authorization, and the CRAs have failed to validate their legitimacy.

Impact on Me : These unauthorized inquiries and fraudulent collections have caused significant harm, including : A decline in my credit score. 
Denied access to credit opportunities. 
Reputational damage as a consumer. 
Emotional distress due to financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

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

Account name : XXXX XXXX XXXXXXXX, Account name : XXXX/DEPT OF ED # XXXX, Account name XXXX XXXX/DEPT OF ED XXXX XXXXXXXX, 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 15 U.S.C. 1681c ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.