23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Navient is charging me for a loan that was supposedly exonerated over 10 years ago. They've bullied me into making several payments so it could take the negative effect off of my credit report and be up to date. 
10 years ago my mother took out a student loan in my name with my step father as the co-signer. Shortly after, my dad had gotten cleared for XXXX XXXX veterans XXXX which allowed me, as his dependent, to utilize his benefits that paid for my college finances. Because of this, the loan was no longer needed and my mom had it exonerated. Only for 10 years later to pass and I am being charged for this! I do not have the funds to pay this loan and do not feel I was fairly approached and educated on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im disputing XXXX XXXX XXXX XXXX Account # XXXX. The reason for dispute is because I had and agreement with XXXX XXXX on the date of XX/XX/2018. XXXX XXXX agreed that I would receive the proper repossession paperwork on the date of XX/XX/2018. Exactly 14 days from my request or all previous agreements and arrangements between XXXX XXXX and I will become null in-void. I never received this paperwork. XXXX XXXX even asked for and extension of 30 days. It is now the date of XX/XX/2018 I still have not received this paperwork. Failure to validate debt in 30 days is Furnisher FCRA rule 660.4 ( e ). Also Furnisher rule 660.4 ( e ) states inaccurate dates of account activity and payment is a violation this account also has different dates of account activity between CRAs. If you as the CRA does not remove this account immediately that means you will be in violation as well of FCRA ACT section 1681s-2 ( a ) which is willing and knowingly reporting inaccurate information. I have and ILLinois States Attorney General claim for this matter as well case # XXXX. I suggest your CRA removes this information right away before I also file claim and suit against your bureau as well. Item has already been removed by XXXX. I have all supporting proof and documentation to have this account removed immediately. 
Attached documentation are as follow no particular order. First communication with XXXX XXXX Thru CFPB on XX/XX/2018. Next document is first letter agreement of 14 day response from XXXX XXXX. Following documentation is extension for additional time letter sent by XXXX XXXX. Documentation of follow up letter sent by me after XXXX XXXX violated the agreed upon dates. I have certified mail receipt attached for proof they received letter. Also attached is credit report proving inaccurate payments and inaccurate dates of activity. Also proof of deletion by XXXX of this account.
Product: Student loan

I have been making payments to Navient for XXXX XXXX years. Its a private loan, and they pretty much refuse to help me in any way shape or form, even when I had no job and was struggling badly, which I guess is up to them. However, recently I went and checked my payment history and how they were being applied, and its ridiculous how they apply my payments to the loans. There is absolutely no pattern and they wont give me a clear answer when I ask them why my payments are being applied the way they are, and why Ive made next to not progress on my loan. After over 3 years of making usually monthly payments, my principal balance is actually HIGHER than it was when it first started. That makes no sense, and even they wont explain it to me, The only time they are willing to talk to me at any length is if I owe them money, in which case they will call me 6-8 times a day, but if my loan is current, they will just rush to get me off the phone as quickly as possible.
Product: Debt collection

Subject : Complaint Against Hunter Warfield Inc. for Failure to Validate Debt Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Hunter Warfield Inc. ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) for failing to validate an alleged debt as required under federal law.

I was made aware of their attempt to collect an alleged debt less than five days ago. In response, I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and sent a written request for debt validation and verification. I specifically requested : 1. Proof of the Original Debt A signed contract or agreement proving my obligation to pay.

2. Detailed Account Information An itemized statement of the debt, including the original amount, interest, fees, and payment history.

3. Chain of Title Documentation showing continuous ownership of the debt from the original creditor to Hunter Warfield Inc.

4. Cessation of Collection Activities A halt to collection efforts, including credit reporting, until validation is provided. 

5. Insurance Claim Information Any records of insurance payments related to this alleged debt.

D

espite my request, Hunter Warfield Inc. has failed to provide any valid documentation to verify the debt within the required timeframe. They have also continued their collection efforts, which may be in violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. If the debt can not be verified, they are legally required to cease collection and remove any negative reporting from consumer credit agencies. Additionally, I provided formal notice under 15 U.S.C. 1692c ( c ) to cease all communications regarding this debt unless they could validate it. They have disregarded this notice. I request the CFPBs intervention to ensure that Hunter Warfield Inc. either properly validates the alleged debt or ceases all collection activities, including reporting to credit bureaus. I also request that any inaccurate or unverifiable negative reporting related to this debt be promptly removed. Please advise on the next steps to address this matter and hold Hunter Warfield Inc. accountable for their non-compliance with federal consumer protection laws. Thank you for your time and assistance.
Product: Consumer Loan

I had a XXXX XXXX credit card that I suspected was being used by a family member without my permission. I called XXXX XXXX and asked if they could put a block on the credit card and a password so that it could not be used for future charges. I also requested a password be put on the account and that the block not be removed by me without written consent by me. They agreed to do this for me. I paid the credit card off in full. 

A few months passed and I got a bill from XXXX XXXX for about {$1700.00}. There were many charges for gift cards made on the card. I called to report and told they would investigate. After many phone calls and other correspondence with XXXX who is responsible for XXXX XXXX credit, I was told that only if I agreed to prosecute the person responsible for making the charges would I not be responsible for the charges. I did not want to prosecute or be involved in prosecution. I asked why the block was removed. I was told that I had called and removed the block from the phone number on my account. I have a letter from them in writing to verify this. I did pay the account. I did not remember making any such phone call. I am XXXX and thought maybe I was forgetting but just could not believe I would do such a thing. They refused to let me hear the recording of the conversation but the person I spoke with assured me that she had heard the recording and indeed it was my voice. 
Later, I decided to call my telephone company and see if I could get a list of all phone number made on the date I was suppose to have made that call. I have a list of those numbers and no such phone call was made. The people at XXXX just lied to me. I did not make the call! Is there anything I can do at this point? People beware of this credit card company! 
I have documented proof of their unethical practices and lies!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/year> S.S.N XXXX I am contacting you about the compromising of my Social Security number. I am a victim of a data breach/identity theft. I contacted the federal trade commission and filed a FTC. Report number # XXXX Please block and remove all information from my credit report and send me an updated copy of the credit report. My situation has been heart breaking and a burden. I have tried to report this to credit karma stating it being incorrect and I get no results. I have been declined for buying my first house. And Im asking for your help. 

Under 15 USC 1681 c-2 c ( a ) The credit reporting agency must block and remove any allege pieces of information. The consumer considers identity theft within XXXX business days of receiving the complaint. 

1. Definition of character 2. Neglect enhancement of identity fraud 3. Violation under 15 U.S code 1681o 4. Violation under 15 U.S 1681n ( b ) 5. Violation of the federal credit reporting act 6. Failure to comply with 15 USC 1692 ( g ) 7. Violation under code 15 U.S Code 1681b permissible purpose of consumer reports. 
8. Violation under 15 USC 1681 a ( 4 ) right to privacy 9. Violation under 15 U.S code 1681c requirements relating to consumer reports Account name : US DEBT. OF EDUCATION Account number : XXXX Account name : XXXX  XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX, XXXX Account XXXX : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : TEXAS ATTORNEY GENERAL OFFICE Account number XXXX # XXXX These accounts have violated my right. 
Please remove all negative accounts in XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time writing equifax about items that are misleading and false reporting on my credit report and they have failed to respond back to me in a timely manner. According to Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), The credit bureaus may be liable for their willful non-compliance. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Im asking for the CFPB to please hold them accountable for not following the laws. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. They received my second as proof on this XX/XX/XXXX, which means they now have 15 more days to finish their investigation. Which means they must delete every account they can not verify. 

1. The following personal information is incorrect Account Number : NAME : XXXX XX/XX/XXXXXXXX 2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX 3. The inquiry was not authorized ELANFINANC Date of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

4. The inquiry was not authorized XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

6. Validate Account XXXX XXXX Account Number : XXXX Please removed this inaccurate unverifiable information from my credit report. 

7. Validate Account XXXX XXXX XXXX Account Number : XXXX Please removed this inaccurate unverifiable information from my credit report. 


The following accounts listed above was disputed twice and the ( credit bureau ) have failed to respond the first time which is a violation of the FCRA. I have attached below proof of stamped certified timing that the letters was received this time by ( credit bureau ) and they must complete this investigation with 30 days or they must remove these accounts they can not verify. Also attached is notarized letter, original dispute letter, and credit report.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer 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 resolution 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 seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act *XXXX XXXX XXXX  Account : XXXX *XXXX XXXX XXXX Account 1 : XXXX *XXXX XXXX XXXX Account 2 : XXXX 15 U.S. Code 1681s2 ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ( 1 ) Prohibition ( B ) Reporting Information After Notice And Confirmation Of Errors APersonShall Not Furnish Information Relating To AConsumerTo AnyConsumer Reporting Agency Without My Written Instructions 15 U.S. Code section 602-A. States I Have The Right To Privacy.

THE LAW CLEARLY STATES : Transactions Between The Consumer ( ME ) And : XXXX XXXX XXXX  Account : XXXX *XXXX XXXX XXXX  Account 1 : XXXX *XXXX XXXX XXXX Account 2 : XXXX Making The Report Is Not INCLUDED On My Consumer Report! 
THE FCRA 15USC 1681a 2Ai By Reporting This Transaction Or Experience On My Consumer Which CONGRESS Clearly States IS NOT Included On My CONSUMER REPORTS.
Product: Debt collection

XXXX XXXX  originally tried to charge me {$6500.00}. We went to court on XX/XX/year> where i agreed that I would pay {$5600.00} to XXXX with XXXX of their reps and their attorney and then it was confirmed and handed down on an official order by a judge. The official order was sent to me by email by a XXXX representative reflecting this amount but still They have continued to try and request the full {$6500.00} I have requested a change and provided the court order but they responded by sending my debt to collections. I have disputed my case and the results came back as no change I want this removed from my report if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I at no time whatsoever authorized the XX/XX/XXXX XXXX  inquiry. When I contacted XXXXXXXX XXXX XXXX  services to obtain a reference number for the inquiry, I was told there was none for the date of XX/XX/XXXX because no further inquiries had been submitted after XXXX of this year XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX DOB- XX/XX/XXXX Email - XXXX SSN- XXXX Phone number XXXX Inquiries that need to be removed are listed below XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had a bank account for many years, I had both a checking account and savings account and had a secured credit card XXXX dollars, I recently had a incident where I became ill and nearly died, so I had to stop working for awhile, I was still receiving my social security income, XXXX  monthly, I had applied for an online loan, I was scamed by someone pretending to be an online payday loan company, they convinced me to provide then with my user id and password, they deposited the payday loan check, after I received the deposit, the next day, I informed my son about the situation, he advised me to alert my bank, that my baby account was compromised, and I informed bank of America customer service, my account was compromised, and it was possible that a fraudulent check was posted to my account and I would make sure that the XXXX dollar funds would be paid back back to which it was, I had my bank account for many years and this bank has since closed my account and is reporting negative information on XXXX XXXX, making it impossible for me to open another checking account with any bank in the United States, they have failed to provide me protection against a scammer, once I realized my account was compromised I notified my bank immediately, and paid all money owed including any fees, yet this tyrant bank has since refused to reopen my account, they claimed that they closed my accounts for my protection, yet they are reporting negative information so its impossible to open another checking account with any bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent out a certified letter to EXPERIAN in regards to removing the unverified accounts XXXX XXXX {$8400.00} Balance & XXXX XXXX XXXX - {$2700.00} Balance from my credit. the listed items are entirely inaccurate and incomplete & represents a very serious error in Experian 's reporting, I asked to see Verifiable Proof ( a original Consumer Contract with my Signature on it ), in which They are required by federal law to verify FCRA ( Section 609 ( a ) ) They did not provide me with a proof of verification, they replied stating that they have verified the information without the proper document. On XX/XX/2018 I sent out a 2nd letter Stating that they have not removed the items that have not been verified which is required by law and they have had 30 days to investigate in which law requires removal of unverified accounts if unable to verify. As a gesture of my goodwill before litigation if needed, I will restate my dispute. The following information needs to be verified by the credit reporting agency, following failure to verify, deleted from the report as soon as possible.
Product: Checking or savings account

Reference Case # XXXX I received an explanation from this bank that did not satisfy my concerns, I never spoke with anyone although I reached out to the XXXX  office several times by phone. According to the person who reviewed the case in his comment to me he admitted that the bank was in error with their transactions which caused me to lose several hundreds of dollars and I will not pay for their mistake. I am getting several different scenarios of why my account was overdraft including there were not sufficient funds to transfer money so it never posted to the transferring acct. which is n't true, then I was told that it posted but did not have enough funds. 
Here is what I received from XXXX that I question : Please see attachments the concerns will be highlighted
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i requested items on my credit report be investigated. these negative items are hurting my credit report
Product: Checking or savings account

Good Afternoon, Truist accepted these checks without the correct endorsements,
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is reporting incorrect information to my credit report. 

-Two year payment history is incorrect and not updated. 
XXXXLast reported dates are all different on all three credit bureau. 
-Date Last Active are all different on all three credit bureau. 
-Date of Last Payment are all different on all three credit bureau.
Product: Debt collection

I keep getting collection calls from Central Credit XXXX regarding a debt that I do n't owe. I 've called them and they say my phone number is not in their data base, but they will put me on their " do not call '' list anyway. The calls are continuing. 

I had the same problem last year with XXXX and it turned out that someone had their phone forwarded to my number. Central Credit does n't want to listen to any possible resolution.
Product: Checking or savings account

Money was available to cover charges but overdraft fees were charged without warning numerous times.
Product: Credit reporting or other personal consumer reports

Transunion : XXXX, XXXX are all reporting inquires that I'm not aware of and definitely did not authorized XXXX XXXX XX/XX/2023. XX/XX/2023 XXXX XXXX XX/XX/2023 XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023
Product: Payday loan, title loan, personal loan, or advance loan

i tried to reason with company on payments and futher payments they refused to take my money i asked for them to remove me from account
Product: Credit reporting, credit repair services, or other personal consumer reports

back ground check inaccurate
Product: Credit card

I continue to have issues with synchrony bank/ jc penny everytime I get approved their website does a redirect then says they can't approve me once I get pre approval / pre-qualification leaving me to make unwanted complaints from what the website says it's a easy process but for some reason I don't have any luck leading me to this process it's very inconvenience to keep complaining my personal family who applys does not have this problem when they apply to synchrony bank credit cards that is the website profiling people as if there a certain limit on the amount of credit cards/ bank accounts or applying per day one can have thankyou
Product: Debt collection

The truck keeps breaking down and I decided to volunteer surrender repossession back to the bank
Product: Credit card or prepaid card

Received email about credit inquiry, XX/XX/2023, hard credit pulls from Target Stores, received an email from Target stating they were looking over documents and card would be issued in 7-10 business days. notified target red card, that this was fraudulent, they confirmed mailing address and driver 's license # did not match mine, they put in a fraud claim to stop processing.