23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have many acounts that were affected by a data breach- please help and remove negative items - thanks in advance
Product: Debt collection

I sent a debt validation letter to Smith Rouchon & Assoc. Inc, XXXX XXXX XXXX, XXXX, XXXX XXXX on XX/XX/2022 and they failed to verify the documents Ive ask to be sent over to me. Instead they sent only a bill with procedures on it.
Product: Student loan

I have multiple student loans that were consolidated with Navient. After struggling to make payments I chose a deferment on my account. Once the deferment was over 1 payment would come out every month automatically but apparently another wasnt set up for autopay. I did not know I had missed multiple payments until they started harassing me about my account. Because I had missed multiple payments of 400 or more dollars a month I was unable to get caught up and my loan defaulted. So now I am rehabilitating my loan to get it out of default and hopefully off of my credit report. As soon as I am done rehabilitating my loan I will be switching companies.
Product: Credit card or prepaid card

on XX/XX/2020 - I received a US Bank Reliacard for unemployment benefits in the mail. I still work and have never filed for unemployment benefits. I've reported this to XXXX  and to XXXX. I tried calling US Bank to no avail. I've also reported this to the Colorado Dept. of Labor and Employment, Unemployment Insurance division.
Product: Credit reporting or other personal consumer reports

EXPERIAN : in XXXX of XXXXXXXX XXXX and XXXX of XXXXXXXX XXXX I did dispute fraudulent info regarding two collections agencies trying todo collection on the same debt " exact '' ACCOUNTS .... which both can not do? First... .of all .... 
and which I neither owe original debt too... also... .see below. Lastly, because " Debt was paid '' off long time ago. And neither one has presented proof I owe the debt... Experian refuses to investigate the collection agencies. Original Creditor was XXXX XXXX XXXX. " Paid them ''. See below : ( 1 ) XXXX XXXXXXXX XXXX XXXX , XXXX, sold to XXXX XXXX XXXX ..closed written off ( 2 ) XXXX XXXX XXXX XXXXriginal creditor XXXXXXXX XXXX XXXX, DEBT BUYER ..collection account What is Section 604 of the FCRA 15 USC 1681?

FCRA section 604 ( c ) defines when consumer reporting companies may furnish consumer reports in connection with credit and insurance transactions not initiated by the consumer. 15 U.S.C. 1681b ( c ).

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 usc 1681 602 ( a )
Product: Credit reporting

I was shopping for a car and the I put in a credit application with the dealership. For that single application I filled out, there are now XXXX inquiries into my credit. XXXX for the finance company, and XXXX for the dealership. The dealership claims this is standard procedure. Even if it is, does n't a credit reporting agency take into account multiple credit inquiries when someone is shopping for a vehicle?
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX. As a matter of fact, XXXX XXXX XXXX was investigated by the Dept of Consumer Affairs.

Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX XXXX XXXX, I was able to file a Borrower Defense claim with the Dept. of Education against XXXX XXXX XXXX XXXX XXXX An Affiliate of XXXX XXXX ( who purchased XXXX XXXX XXXX in late XXXX ), and my Fed. loans of approx {$50000.00} were discharged and my credit repaired. 
My Borrower Defense Claim was also part of the XXXX XXXX XXXXXXXX XXXX for which I was a full class member. 
I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools.
Product: Debt collection

IC System INC is reporting inaccurate and harmful information on my credit report. I disputed the information with XXXX, and they have yet to respond with verifiable proof of the debt. I have attached a copy of the report from XXXX as well as identifying documents for myself. I am using my right to FCRA Law and demanding immediate deletion of this item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX & XXXX Credit Reporting keep reducing my credit scores without any adverse issues or credit activity. Not more than a few months ago all three agencies had maintained my credit score in excess of XXXX. Most recently XXXX has reduced my credit score to XXXX ; XXXX reduced the score to XXXX while Experian has reduced my score to XXXX from XXXX less than 30 days ago. 

It appears, that unless I take out more credit or buy into their online services they ding my credit score.Other wise I have one of the cleanest credit histories you would find. 

I have contacted Experian and they sluff me off without any explanations. 

Can you please look into this matter at your earliest convenience. 

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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # 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 instruction. 

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

I requested again the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA VIOLATION / NEVER LATE ON THE ACCOUNT. 
CRA VIOLATION / NO KNOWLEDGE/ TOO MANY INQUIRIES ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep uploading dispute letter to Experian and they keep sending back stall letters and not fixing my issue with a late payment on my credit report I explain XXXX XXXX XXXX XXXX has reporting 2 different months reporting late payments XX/XX/2021 and XX/XX/2021 and that is a clear violation under FCRA code15 U.S. Code 1681s2
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights US BANKRUPTCY COURT XXXX file # XXXX XXXX  XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX  US SM BUS ADMIN XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

This company has called me, my husband and our relatives about several accounts between my husband and I. They told my father in law that he's XXXX father of the year because he told them to stop calling. They are giving out personal information about the debts to my cousin. We also disputed with XXXX XXXX XXXX but no one responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by jpmcb that I have no open accounts with them and no applications with them and they have done no inquiries on me. I am to call back on Monday XX/XX/19 for them to connect me with there credit bureau department for further investigation when that department is open.
Product: Payday loan, title loan, or personal loan

I opened a personal loan with XXXX XXXX through Comenity Bank for XXXX XXXX XXXX of XXXX. I made regular payments on the loan until my family hit significant financial hardship. I worked with XXXX XXXX XXXX and they were able to make a payment arrangement with XXXX XXXX. I made payments on the balance and XXXX on the amount agreed upon. My credit report shows as the amount is unpaid and charged off and never addressed. I called Comenity, with whom XXXX made the arrangements with and sent payments, and they said they terminated the relationship with XXXX XXXX, they didn't take my money, and they could provide me no information on how to get in touch with XXXX XXXX. The website that is out there for payments is broken, you can't contact anyone. I have no recourse to fix this item. I paid the full amount and I can't get them to even talk to me. Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX my idenity was compromised. During this time the inquiries listed on the attached FTC report ere made in my name. I demand that XXXX and the creditors listed on the FTC report remove this from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my personal information due to the XXXX breech and exposure of my identity and personal account information, I found accounts that do not belong to me and were opened without my knowledge or consent. Although I am not sure of the exact date my information was stolen. However, I have contacted all of the credit bureaus as well as filed a report with the FTC. Please see the following account currently listed on my report : I have not signed or verbally entered into any contract or agreement. Someone has gotten my information and most likely opened accounts online thru the dark web and easily obtained goods. 

XXXX - {$2400.00} XXXX - {$7700.00} XXXX XXXX - {$12000.00}
Product: Student loan

Been on hold for XXXX hours. When I called the expected wait time was XXXX hours. XXXX, I didn't receive a call back for XXXX hours and I missed the call, and lost my spot in line. 
The form I need isn't on the website. a d due to their transferring of data XXXX XXXX of my XXXX didn't count ( XX/XX/year> ) which apparently happened to everyone in XXXX.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This is a follow up to a previous complaint that the company responded to. There explanation was not relevant to my concern. The previous CFP B Case Number i s  XXXX .     I am sending documents which further describe my complaint.       NOTE : THE TIMING OF THE EVENTS THAT ARE ATTACHED ARE PREDICATED ON CALLING THE BANK TO HAVE MY FUNDS APPLIED TO MY ACCOUNT. WITH MY INTERVENTION, IN 11 DAYS THE POSTING WAS COMPLETED. IT IS MY UNDERSTANDING THAT IT WOULD HAVE TAKEN 14 DAYS TO POST IF I HAD NOT CALLED AND REQUESTED THE PAYMENT BE POSTED.
Product: Credit reporting or other personal consumer reports

I have several auto inquires on my report that I did not consent to The only and last inquiry that is authorized is XXXX XXXX XXXX. 
All others did not have my written consent.
Product: Credit card or prepaid card

On XX/XX/2020 NF reported to XXXX I was 30 days late for {$12.00} on my Navy Federal Visa card. Up to this date, I was unaware I had a balance or if the account was still even open. The last time I spoke to NF regarding this account was on XX/XX/2020 when their security department informed me that they were closing my visa account because I had not applied for the car and blocking my online access to all of my accounts. I had not receive any invoices on this account nor able to log in online to get my statement. I didn't think I was late because as of XXXX XXXX., NF had reported to XXXX that my account was current. NF is reporting different and conflicting reports to the credit bureau regarding this account. Per NF, the visa account was closed because I had not applied for the card. So why am I being held responsible for an account I didn't apply for? And how am I supposed to know I owed a balance on an account deemed not applied by myself I don't receive statements or ability to get statements online? 

Why am i being charged {$20.00} per month? What is that {$20.00} charge? It's not a late fee nor interest. My balance has climbed from {$12.00} to {$92.00} in 5 months
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act Account # 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
Product: Credit reporting or other personal consumer reports

On or about XXXX/XXXX/23, I was sent an email by Discover Financial Services requiring me to have a waiver by obtaining a public notary for income information which included three months of a bank statement along with a waiver for me for some undisclosed IRS documents. I informed the rep at that time that I had no intent with complying with that request because it is my belief that it is unconstitutional that a private credit card company could make me do something that the IRS does not require. On or about XXXX/XXXX/23, I called Discover and I talked to XXXX. I asked XXXX why was I picked out for an income verification. XXXX could not explain why, and I asked to speak to a supervisor. XXXX, who identified herself as supervisor, come to the phone, and said the exact opposite of what XXXX has stated. XXXX stated emphatically that this was not an income verification, but rather an identity verification. I told her " I was not required by law to file a income tax statement that the Internal Revenue Service did not require me to file. '' In fact, the Social Security Administration says that I can use the figure they assign for all types of loans. I told her I was willing to provide this federal documentation. That I have a valid US passport, a valid Illinois driver 's license, and a valid Illinois state ID, and I would gladly provide that information if she would provide me a reasonable way to provide this. On or about XXXX/XXXX/23, I was told that this issue would be resolved. I was given specific dates. I was suppose to get a call XX/XX/23 before XXXX XXXX. I was supposed to receive a call on XX/XX/23 before XXXX XXXX  as well. I did not get a call. I talked to a XXXX XXXX, and I let him know that we were coming up on XXXX/XXXX/23, and I wasn't going to comply with signing an IRS document, getting a notary affidavit, or providing three months of notarized bank statements. I wanted to know what the internal process was of being to resolve this issue since it has been from XXXX to XX/XX/XXXX to resolve it. I informed Discover Card that I think this is discriminatory and arbitrary, and had no reasonable system for the consumer to resolve the issue with the credit card company. Moreover, if the problem was truly identity verification why were there no procedures in place for the consumer either by email, snail mail, or fax to provide the requisite identity information. I think this is an attempt by Discover Card and XXXX to either purge/interfere/or manipulate the customer 's of a rival, in this case XXXX.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is showing a past due balance actively open on a closed collections account which is fraudulent and needs to be removed from my credit report according to my rights within the FCRA. I have disputed this multiple times and nothing has ever changed. They are adding interest and compounding the total balance on a closed account.
Product: Money transfer, virtual currency, or money service

I am filing complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

requested transunion unauthorized inquries remove and transunion customer services refused to dispute and remove. 
unauthorized creditor : 1. XXXX 2. XXXX 2 times
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the account to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate the account. Please follow the law so that this situation can be settled quickly. 
XXXXDEPT OF ED XXXX Date Opened XXXX XXXX, XXXX Balance {$5700.00}
Product: Consumer Loan

I had an auto loan through XXXX - they went out of business and sold the loan to XXXX Bank. The car was included in my Chapter XXXX BK as a surrender. My attorney called them to pick the car up but was told they had no loan in file and had no interest in the car. The car is broke down & costing me storage fees. I want them to pick up the car of send a lien release to the Idaho DMV.
Product: Debt collection

This should not be on my credit report and is inaccurate. My personal health insurance company paid for this service, in addition, I made a payment as part of my co-pay. 

I 'm also reading that " Syndicated Office Systems ( file number XXXX ) '' has a history of not handling consumer credit reporting disputes.