23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been unemployed on and off for the better part of two years. I am currently 7 months behind on my Private Student loans serviced through Navient. 

I responded to Navient on XX/XX/XXXX to begin communication with this account and determine what my options were to get the account current, and informed Navient that I currently was unable to make a payment. 

Today, XX/XX/XXXX, I was able to speak to two representatives -- XXXX and XXXX XXXX at XXXX Extension XXXX after receiving an unprofessional voicemail from XXXX on XX/XX/XXXX stating that I was " uncooperative and unwilling to communicate properly '' and as a result he aggressively stated that " they would be forwarding my account to the compliance team in the month of XXXX. '' I obviously want to avoid my account being deliquent, possibly being sued, and having my credit ruined because of this scenario. 

I was given two options on XX/XX/XXXX over the phone after being forwarded over to XXXX XXXX, both of which must be executed by XX/XX/XXXX. 

One of the options was to make a minimum payment of around {$500.00} or to file for forebearance, which would cost {$150.00} to process. I informed XXXX that I could not execute either option today or by XX/XX/XXXX but I was still interested in exploring options. 

Unfortunately, I was not given any other options, was told that I was irresponsible and needed to take accountability for this loan and have had 7 months to make a payment. As a result, XXXX XXXX stated she would mark my account as delinquent or that I would not be making a payment. The conversation spiraled out of control with XXXX and XXXX using their tactics to try and provoke anger or get a response from me over a recorded line. 

I am wanting to make a payment and to work on bringing this account current but the limited options they are providing do not allow me the time to do so. Additionally, it is incredibly unprofessional to have the representatives from Navient laugh at me, put me on unnecessary holds, and then tell me that I am irresponsible for not keeping my account up to date.
Product: Debt collection

Rent Recovery Solutions contacted myself and a family member by phone on XX/XX/2022. A dunning clause was included in the message indicating they were attempting to collect a debt. I sent written notice on that same day XX/XX/2022 limiting contact to mail and they proceeded to make contact by phone again today, XX/XX/2022. I also included in the written letter my mailing address and notified them I have not received any identifying information or notices from them. I still have not been given any notice or information either by phone or writing of any alleged debts. I have no idea if this company is legitimate or not, please advise me. The phone number I was contacted by is ( XXXX ) XXXX.
Product: Credit card or prepaid card

On XX/XX/22, I received a credit card that I did not apply for. I did not activate said card. On the morning of XX/XX/22, I received a call from the credit card company, that this looked like a fraudulent card. They closed the account. This card was sent to an old address and used another phone number and email address, not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/22 Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX XXXX account number ending in : XXXX NOTICE : CEASE AND DESIST Pursuant to 15 USC 1692e ( c ) ATTN : To whom it may concern, I, XXXX XXXX the natural person Consumer '' ), have become aware of ( multiple violations of Consumer Credit Protection laws by XXXX XXXX XXXX in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. I am a victim of identity theft and i sent a cease and desist, and also sent a FTC
Product: Debt collection

Received a call from XXXX threatening me that legal action was taking place regarding a check fraud case for a payday loan that was taken out XXXX years ago. I was told to make sure that when a process server arrives at my place of employment that if I did n't not sign for the papers, that they would file the papers with the court system and keep coming to my employer every day to serve me until either I sign or the court preceding 's end.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX : {$38000.00} ; XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX I contacted Synchrony bank in reference to a charge of XXXX on my lowes bill. I found the charge was for a my card security program that I did not enroll in. It was for XXXX of unemployment type of coverage. I explained I had not elected to receive this protection and did not want this protection and informed them that my husband was and is XXXX. If I knew I had the program it would make sense I would have used it. I called back on XX/XX/XXXX after I returned from vacation and called and talked to XXXX and explained the situation again. We discussed that since XX/XX/XXXX I have been enrolled in this program without my knowledge. They are saying that I signed up by checking a box and I am saying that someone would have checked that box for me because this is not something I would have elected to sign up for. In any case, I requested these fees be reimbursed. After being placed on hold for a few minutes XXXX returned and stated I was being given a " courtesy '' reimbursement of {$1.00}, XXXX. Which I disagree with and request the entire {$3100.00} be reimbursed. I did not ask for nor authorize these charges and want them reversed. This is a scam and would have gone on if I hadn't noticed the charge.
Product: Debt collection

ERC collection agency claims I owe XXXX XXXX XXXX money. I do not have an account with XXXX XXXX XXXX of any kind. Never had! The amount claimed is {$1100.00}. Received the letter from them on XXXX. I have called ERC and explained that I had NO account with XXXX XXXX XXXX and it seems like it is FRAUD even how they wanted to make payments to XXXX XXXX or XXXX market. This is a strange? This sounds like crooks to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently reached out to Experian because I am in the process of fixing my credit and I noticed I have a lot of inquiries on my report that I do not recognize. They failed to do anything about when asked to remove them. 

I provided the list below XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THEY WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT AS SOON AS POSSIBLE. THE FOLLOWING INFORMATION DOES NOT BELONG TO ME EITHER : NAMES : XXXX XXXX XXXX : XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX INQUIRIES : XX/XX/XXXX XXXX/XXXX/2023, XXXXXX/XX/XXXX XX/XX/XXXX2023, XXXX XXXX/XXXX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/2022, to XX/XX/2022. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed bylaw, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX Balance : $ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX, XXXX, M ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$190.00} ; XXXX CREDIT XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX  XXXX  SVC XX/XX/XXXX ; XXXX  FINANCIAL XX/XX/XXXX ; XXXX XXXX F XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  LENDING SERVICE XX/XX/XXXX XXXX XXXX XXXX AND AS XX/XX/XXXX ; XXXX  ACCEPTANCE XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  CREDIT XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX FINANCIAL/XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX AUTO XX/XX/XXXX ; XXXX  CREDIT ACCEPT XX/XX/XXXX ; XXXX/XXXX  CAR SL XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  DISTRIBUTING XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  FL XX/XX/XXXX XXXX SAFE XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  CONSUME XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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 XXXX XXXX XXXX. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 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: Vehicle loan or lease

On XX/XX/XXXX I electronically paid off the entirety of the debt on my car, on XX/XX/XXXX the money cleared my bank. monday XX/XX/XXXX I go to the dmv to get my title and the DMV tells me that omni has not released my title. As soon as they electronically release my title I will be able to get my title I call omni on XX/XX/XXXX and they tell me they can nor release my title for several weeks because they have to make sure the bank can not recall the money, but if I go to the bank and get the bank to say that they will not ask for the money back they will release my title all I have to do is fax them a statement from the bank showing that the payment is good. I go to the bank get a statement showing that the money actually came out of my account, the bank manager assures me that they can not recall that money, then they put the bank stamp on it. 

The omni person told me to put her name on the fax, " XXXX '', and I was to fax it to XXXX, with early release, and proof of payment/cleared bank highlighted on the paper I sent it. She said that they could get it released by the next day. 

I call then ext day on XX/XX/XXXX and now a new person says that they wont even get the fax for 72 hours.

They are just making me run around and jump through hoops. I need my title now, not several weeks from now. All they have to do is press a button to release my title electronically and they refuse even though they have the money, and proof its been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulently reporting inn accuracies and reporting wrong residence verifying illegal or unauthorized actions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Report Act, the following accounts has violated my rights. 
XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( Inquiry ) 15 U.S.C. 1681 section 602 states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Mortgage

I began a refinance process of my current mortgage back in XXXX of 2016 at that time the current rates were XXXX percent on a 30 yr fixed rate VA loan. There was a previous problem with the posting of my payments which I did not find out until I started my refinance process. I am now completeing my refinance and the current interest rates are XXXX. I believe that since the mortgage company has caused me to delay my mortgage process because of their mistake which took them over 8 months to correct it has cost me in my refinance. I would like for Setarus to pay the current mortgage company the difference to buy down my current rate to XXXX from XXXX. Or they can pay me the difference in the total payments for the next 30 years.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX  XXXX - XXXX - {$9600.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Debt collection

I received a settlement offer of {$130.00} with an original balance of {$540.00}. 

Requested payment date was XX/XX/22 The letter stated my account would be satisfied and closed if I pay the resolution amount by XX/XX/22 The payment was received and posted on XX/XX/22 I just received a letter stating, I owe the balance due of {$410.00}. 

I accepted the terms and fulfilled what was required and they still want full payment, even though I paid the settlement offer
Product: Checking or savings account

From XX/XX/2022 thru XX/XX/2022 I over paid. Wells Fargo charged me twice. And gave me overdraft fees. My bank account went into a negative state and I told them that I don't spend money I don't have. I can't overdrafts on this account and when I told them this the lady to me I was making bad choices. If I can't go into overdrafts and di my account go {$350.00} over. This is not the first time it has done this but I don't know the other date. I paid it but now that I see they have been getting there customers I'm sure I was right. I very righteous about spending money. If I don't have it I don't spend it. I pay very good attention to my account and know what I have in there. No I don't use this account that often because of that.
Product: Credit card or prepaid card

On XX/XX/XXXX, I opted to close my Secured Credit Card from Elan Financial Services. On that date, a letter was given to me, of which I received two weeks late. The letter states that Elan Financial will not produce my real cash value until an additional billing cycle passed, but where I need a cashiers check for my funds. Even though I have not done such things like any cash advances nor international transactions nor returned payments. My credit card was fully paid from my checking account. On XX/XX/XXXX, made a complaint with the CFPB about this lack of logical rational on withholding. Then on XX/XX/XXXX, a letter was given to me by the CEO which only was the subject of having agreed to the terms of conditions, but of which the CEO did not respond to the subject of lack of logic and unfair withholding. Now it is XX/XX/XXXX, and after all the wrongs, there is still no cashiers check mailed to my home address. I demand an immediate payment or there will be legal consequences.
Product: Debt collection

On XX/XX/2023 I visited a XXXX  store and received a receipt of confirmation that all equipment has been returned and there is no outstanding debt.
Product: Credit card

On XX/XX/year>, I made an XXXX reservation and paid a deposit of {$4300.00}. The payment was made on my Capital One credit card account ( ending in XXXX ). That charge was on my Capital One statement dated XX/XX/year>, which I paid in full on XX/XX/year>. 

Earlier this month, because of Hurricane Helene, my reservation was cancelled and my deposit was repaid in full. A credit for the full amount was posted to my card on XX/XX/year>. 
I requested that the refund be transferred to my Capital One savings account. I was told that the refund would have to be made by paper check. I requested a check, but then I was told that Capital One would deduct my current balance on the credit card along with any other charges that are made on the card prior to the check being issued. 

I believe this is improper. XXXX  was paid by Capital One and I paid Capital One for that charge in full. My agreement with Capital One is to pay the full amount on a monthly statement on or by the due date, and no interest will be charged. My current balance on the card is {$670.00}, and the payment due date is XX/XX/year>. Capital One should not be able to take that payment in advance of the due date simply because a refund has showed up on my statement. 

Capital One is, in effect, stealing the interest that would accrue to me on the {$670.00} that is not due until XX/XX/XXXX. They should be required to pass on the refund to from XXXX in full. thank you very much for your assistance.
Product: Credit card

Please refer to the attached documents. I request the bureau to initiate an investigation into these accounts, which I am never late for but are erroneously reported as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the Trans Union web site just to get my free credit report. They must switch screens and you continue they ask for a credit card in order to continue. As soon as I realized what they did I found a way to cancel immediately and I wrote them a letter also telling them I was going to report them if they charged my credit card which they did. I try really hard as a senior to avoid the pitfalls that are on the internet, but the manner in which they get you to fill out the information was so totally deceptive. Maybe you could go to their web site and see how they do it. I did not think a financial reporting agency would be so deceptive and underhanded. I have excellent credit and get my score from XXXX and credit monitoring from XXXX and XXXX. I wrote all 3 credit agencies and sent each a check for {$10.00} to freeze my credit because of XXXX. I do not think it is right for anyone to trick you and to something and besides when I realized they tricked me I got in there a found a way to cancel, but they still charged me. I believe there is a law that says you have 3 days to cancel and I did that within the hour. The date was XXXX XXXX th and they charged me {$19.00}. I do n't want this to happen to other people especially seniors. Thank you for you time and consideration.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I completed a balance transfer with 0 % interest for 6 months, but now my statements no longer show the promotion. I have been charged interest for the months XXXX and XX/XX/2022, but the advertised promotion should have been until XX/XX/2022.