23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The Navient loan is in XXXX XXXX XXXX 's name, a XXXX XXXX private student loan # XXXX, is being reported as a defaulted XXXX loan through what is called XXXX which is there to monitor Federal debts and prohibits FHA Mortgage loans if there is a default being reported. This loan is not a XXXX student loan, this is wrong on so many levels and destructive especially at a time like this in our country. 
Navient is well aware that this loan is not a XXXX loan and that it has no association with any XXXX agency. Navient has been sued by multiple states they are very pleased to report this loan as a private loan. They are also very pleased to announce this loan does not have the protection the XXXX loans under the XXXX XXXX, and have no work out for customers for the XXXX time period. 
I actually found the original loan papers to confirm this loan as a XXXX loan. We have also finally, figured out this loan can actually be in a in-school deferment status and there should not delinquency at all during 2020 to the current date. 
Navient will not correct their reporting and will not remove the default from the Federal reporting through XXXX  and therefore, I can not proceed with getting my FHA Mortgage XXXX loan closed.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If 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 information 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 of the dispute from the consumer or reseller. 

AXXXX 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 XXXXXX/XX/XXXX
Product: Student loan

For years I have been in an XXXX ( income based repayment ) program ( historically XXXX ). I am also participating in XXXX. After the release of the XXXX program, I applied via studentaid.gov and linked my tax information. This information was received by my loan servicer ( MOHELA ) on or around XX/XX/2023. On or around XX/XX/2023, I contacted MOHELA to inquire about the application 's status. The agent told me that it was still in process and would be addressed and processed on a first come first out basis. In the meantime, I was told, I would be placed in administrative forbearance. At that point, I inquired if I could just pay the monthly payment ( so that it would qualify for PSLF ) that had been calculated in my account ( around {$350.00} under the XXXX plan ). I was transferred to the regular line and eventually hung up because of wait time. On XX/XX/2023, I called MOHELA again. I waited XXXX minutes for a call back and was connected with an agent. I let the agent know that I was hoping to either XXXX ) expedite the processing of my IDR application for XXXX or XXXX ) get rid of forbearance and pay the rate under the XXXX plan so the payment would qualify for XXXX. The agent then informed me that I was no longer on a XXXX eligible repayment plan and had been moved to the " Levels '' plan. The agent then hung up on me after stating she was going to put me on a brief hold. I called back again, waited around XXXX minutes, and was connected with another agent. This agent informed me that my IDR application for XXXX for lack of documentation, despite the fact that I had : XXXX ) never received notice that it had been denied or that I needed to provide more information ; and XXXX ) had submitted my application on XXXX, linking my tax information. The agent confirmed that I had been placed on the " Levels '' repayment plan, despite the fact that the studentaid.gov account info on my loan 's lists me as still being on the XXXX program. I was transferred to another agent who informed me that my loan repayment due date had also been changed from XX/XX/2023 to XX/XX/2023 without notice. This agent assisted me in resubmitting an XXXX application for XXXX -- I provided the same info as what was provided in my initial application at XXXX. This agent also let me know that my XXXX non-payment ( because I am in forbearance ) would not apply to my XXXX count. She said something like " in the scheme of things, it is only XXXX month. '' My grievance : changing repayment plans and due dates without notice and a staff that is not actually able to resolve issues/change anything. This company should not be handling federal student loans if they can not handle them.
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. 

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 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number. 

I am not liable for this debt with " XXXX '' and do not have a contract with " XXXX '' they do not provide me with the original application like i asked.
Product: Consumer Loan

Fraudulent account. Part of attached identity theft official report. Account removed from XXXX but put back on. Amount owed regularly changes from XXXX to XXXX, from open to closed and the account number continues to change. They 've done this on all XXXX reports. This was a fraudulent account and per the FACT aclt, itl clantl be put back on my credit reports once it is removed. Furthermore, they continue to report information while investigations are in progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report inaccurate payment history for the XXXX account ( XXXX XXXX ). 

This vehicle was sold on XX/XX/22 as a trade-in for a new vehicle ( documentation is attached ), yet, Equifax continues to report current payment activity as if the account is still active.

I am requesting Equifax remove this account for erroneous payment history.
Product: Debt collection

A inquiry from Midwest recovery showed up on my report, shortly after I received notification of a collection of {$1100.00} was reporting on my reports. There is no account number or information present to contact an original lender to validate an debt owed. However there was also the lack of a 30 day notification of a debt, which is against FCRA. I researched company and found that that's this company is known to report collections without notifying consumer and allowing time to validate and/or dispute. I would like for this company to validate this debt by providing the type of debt, by including a contract with my signature and an original detailed bill. THIS COMPANY IS NOT TO CONTACT ME VIA MAIL, EMAIL, OR PHONE. ALL REPSONSES AND DOCUMENTS IS TO BE UPLOADED TO THIS SITE.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations attached and case studies pertaining to my case as follows : XX/XX/XXXX - The 4,500-employee company, which started in XXXX, started offering credit to consumers in XXXX. These lawsuits allege XXXX 's violated federal telecommunication laws prohibiting telemarketers and debt collection agencies from calling consumers ' cell phones using automatic dialing systems without their express consent. 

The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p,  approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.

The federal fair lending lawsthe Equal Credit Opportunity Act and the Fair Housing Actprohibit discrimination in credit transactions, including transactions related to residential real estate. ... Lending acts and practices that are specifically prohibited, permitted, or required are described in the regulation. ( violated my civil rights or lied to me ) Truth-In-Advertising. ... The Federal Trade Commission ( FTC ) regulates advertising and marketing in the United States and has the authority to file lawsuits and impose penalties against companies that do not comply with its rules. Generally, the FTC requires that : Advertisements are truthful and not deceptive.XX/XX/XXXX all companies listed violated all the above FTC violations
Product: Credit card or prepaid card

Capital One put my card on restricted hold sometime in XXXX XXXX and deactivated after. 
I have been using the card since XXXX XXXX and I have earned, I believe, more than XXXX reward points which is approx {$500.00}. 

Capital One coded the issue as " fraud '' and I did not request the card to be deactivated since I am still using it. Due to fraud, they have requested multiple documents to verify my identity such as copy of driver 's license, social security card and proof of residence which I all submitted. 

I have been doing multiple follow-up and talking to several representatives almost every other day in XXXX and each one gives me a different answer on status of reactivation or card and points.
Product: Credit reporting, credit repair services, or other personal consumer reports

It looks as though a Citi Bank card was taken out in my name and never paid for. Account was opened XX/XX/2019 and closed on XX/XX/2019. I have no knowledge of this account and would like it removed from my credit report. Please help me. I am a newly XXXX  mother of XXXX  kids and it is hindering me from doing a lot for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax Credit Bureaus the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX-Balance {$200.00} XXXX-XXXX-Balance {$0.00} XXXX-XXXX-Balance {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My birth name is : XXXX XXXX XXXX. This company ; Checkr, did a bank ground check for a potential employer ; XXXX. The report entailed erroneous info with 3 different alias ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These different names are not XXXX XXXX XXXX, I dont know them and have no affiliation with them. Additionally, the information contained in the report was for those people and not me.
Product: Credit reporting or other personal consumer reports

I contacted Equifax to report fraud after filing a report with the FTC. I spoke with a representative named XXXX, who failed to provide adequate assistance and refused to share her employee identification number when I requested it to document her performance. Additionally, XXXX declined to connect me with a supervisor to address my concerns. I was issued a confirmation number for my fraud report : XXXX. 
This experience reflects poor customer service and a lack of accountability, which hindered my ability to address the fraudulent activity on my account. I request an investigation into this matter and steps to ensure improved compliance with customer service obligations under applicable consumer protection laws. It has been over 90 days 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

I recently reviewed my consumer file and noticed that there are fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$890.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XX/XX/XXXX XXXXXX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

My information was leaked into a data breach and I have all these extra charges on my credit report that I was not aware of that have dropped my credit score down without my permission. It have caused a lot of problems with trying to get all the correct information about how it started and when. the company involved would be credit acceptance which I jus found out is a car loan place
Product: Checking or savings account

I have been unable to log in to my account since XX/XX/XXXX. I called on XX/XX/XXXX and they said it was an isolated issue with my account and their service team would resolve the issue within 3 days. I had money in my XXXX account that I needed to transfer but could not due yo lack of access. I can not not have access to my account for 3 days. I had to transfer money to my other card which cost me {$8.00}. I am expecting a deposit and need to know when it comes in.
Product: Debt collection

In XXXX I began disputing items in my credit report through experian website. XXXX XXXX reviving correspondence from Portfolio Recovery about an alleged debt owed. I was sent a page threatening litigation for debt unpaid. There was some sort of cupn for an unknown balance. 
I disputed it by certified mail according to my consumer rights Pursuant to 15 usc 1692g Sec. 809 ( 8 ) ( fdcpa ) Was sent an account statement and proof of the charged off debt being Sold to Portfolio recovery By XXXXXXXX XXXX Signature page was Not included. I personally have Not validated this debt. 
In XXXX Portfolio recovery sent to me via certified mail a complaint of alleged debt owed in my jurisdiction. 
I answered the complaint to their attorney And to the Debt collected disputed it again in XXXX, was sent correspondence that they had no further obligation to me and that their investigation was complete. 
Portfolio recovery has called me Monday through Friday for over a month. 

They never stopped reporting the debt even after I certified that it was fraudulent. They never produced a signature page and I have reason to believe they have willfully violated my rights as a consumer by not conducting a through investigation and assuming the validity of an actively disputed account. 

As of XX/XX/year> I have sent them by certified mail proof of identities theft ( XXXX breach affirmation ), I am initiating a claim with the XXXX about their harmful policies according to the CRA XXXX. I have requested that they cease all phone contact. 
As of today there are still reporting and this continues to harm me. 
I have spent over {$300.00} attempting to reclaim my identity with the CRAs and have lost in the past year many opportunities for extension of credit in my name. Partially due to portfolio recovery services bad policies, practices and willful non compliance with FCRA guidelines. 
I believe remedy is owed to me from the liable party Portfolio Recovery services
Product: Credit reporting, credit repair services, or other personal consumer reports

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I noticed unauthorized inquiries reporting on my XXXX and TransUnion that needs to be deleted. I filled out an FTC report which I will attach mentioning the referenced inquiries and pursuant to the block of information section of the Fair Credit Reporting Act ( FCRA ) which is 15 USC 1681c-2 these inquiries had to have been deleted within 4 business days of receipt of my FTC report so I would appreciate this to be done promptly to avoid the continuation of XXXX and TransUnion continuing to violate federal law.
Product: Checking or savings account

XXXX XXXX Account Closing notification Keep calling customer number and multiple visit to the branch.
Product: Debt collection

Earlier this year, I rightfully disputed my debt to Portfolio Recovery Associates, LLC for {$790.00}, which was purchased from a closed XXXX   XXXX credit card in XX/XX/XXXX. After Portfolio Recovery Associates validated my debt, I called them on XX/XX/XXXX to pay off the debt. I explicitly told the representative that I am paying off the debt for full removal from my credit report, and the representative stated that a full deletion would not occur unless paid in full. With the sole purpose of removing the debt from my credit report, I paid the debt of {$790.00} in full on that call. 

However, the paid collection was not removed on my credit report, and still reflected a charge-off on my credit report. On XX/XX/XXXX, I sent a certified letter to Portfolio Recovery Associates to review my call with the representative, and to have my paid collection removed from my credit report. 

On XX/XX/XXXX, I received a letter from Portfolio Recovery Associates dated XX/XX/XXXX that they would not conduct an investigation of my dispute and claim of misrepresentation. I called them on XX/XX/XXXX to ask again to review my call and request for full deletion. The representative I spoke to referred me to a supervisor and they both explained that full deletions are not offered by Portfolio Recovery Associates. In addition, the supervisor stated that : - a complaint had already been filed on my account ( I never filed a complaint before ) - they will review my call - apologized for any incorrect information that was given to me. 

If I was given full disclosure with the original representative that a deletion was not available, I would have offered a settlement for far less than a payment in full. There is no incentive to a paid-in-full collection that still reports negatively as a charge-off on my credit report. 

Portfolio Recovery Associates is not fully representing the consequences of a paid collection to those looking to pay their debts in full. I did not deny the debt and take responsibility for it with full payment, however, I would have made a different decision to pay a settlement, not paid in full.
Product: Prepaid card

I purchased a online product from XXXX a pink tablet with a mouse and keyboard. From XXXX XXXX XXXX trading company..and the tablet has software that makes duplicate banking apps but you can not access those duplicate banking app but you can see them under your and it allows them to steal your direct deposits..and federal government benefits..it also allows them to access your debit or credit card without you being able to control it.XXXX XXXX XXXX company has stolen XXXX federal benefits checks through a electronic device that I purchased online through XXXX  from. My XXXX XXXX ... which that electronic device makes duplicate copies of apps..but you can not access them but you can see them..the tablet came like that ..that I purchased from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I submitted an online dispute with XXXX regarding an account on my credit report that I was not familiar with name XXXX XXXX XXXX XXXX XXXX. account number XXXX... I requested a copy of the original agreement for this account which turned out to be a pay day loan of some sort. NO supporting documents were sent only an updated copy of my credit report. 

XX/XX/XXXX, I sent a certified letter to all 3 credits bureaus for them to check into this account and to have the company provide written proof that the account belonged to me and that I signed to have this unknown account opened. When the credit bureaus sent the report back I never received supporting documents that the account was mine and the information was never fixed on my report. In addition to the information not being updated/ verified TransUnion reported and shows that this account was Placed for collectionXXXX, XXXX shows the account was opened XX/XX/XXXX and XXXX shows XXXX account opened in XX/XX/XXXX. 

The information that they have provided does not match. How can 1 Bureau report that the account was opened in XXXX and another one report that it was placed in collection in XXXX. The information is not valid and per the Section 611 of the FCRA, this is in complete violation of my rights that this account was not investigated and sufficient proof was provided. Section 611 states, " ... ..of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate ''
Product: Credit reporting or other personal consumer reports

This is in addition to my previous complaints. I have requested for one of my accounts to be closed because of identity theft. The account got compromised and I request for the credit bureaus to delete it from my credit report. The bank already closed it, I just need your help to remove it totally from my credit profile. I have attached the proof and letter that I received from XXXX themselves regarding this. 

That account is fraud and was used by the thieves. Please delete this fraud account : XXXX - XXXX - XX/XX/XXXX. Along with the remaining fraud inquiries : XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXX XXXXXX/XX/XXXX. I have attached here my FTC reports, IDs, and proof of address.